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New Fund Offers

In This Policy, The Investment Risk in the Investment Portfolio Is Borne by The Policyholder

Looking to explore and drive advantages from the world of investments and insurance?

New Fund Offers (NFOs) in Tata AIA Unit Linked Insurance Policies (ULIPs) offer a seamless passage to balance the two necessities.

NFOs introduce a distinct opportunity for investors to combine the benefit of life insurance coverage with a range of innovative investment strategies. With Tata AIA’s innovative solutions, combining life insurance protection with wealth creation, you can plan long-term wealth creation. 

Let us look at the key features and benefits of NFOs in ULIPs and the popular Tata AIA NFO launches for a distinct investment journey. 

Looking to buy a new insurance plan?

Our experts are happy to help you!

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What Is New Fund Offers (NFO)?

  • A New Fund Offer refers to the launch of a new fund option for the investment in financial securities, providing the opportunity to invest during its initial offering period. Every New Fund Offer will have a different investment objective, asset allocation, and strategy.

    New Fund Offers in life insurance plans are provided with Unit-Linked Insurance Plans (ULIPs) to offer the investment benefit with the life insurance coverage.

    Therefore, it is aligned to secure the policyholder’s family’s financial future in their absence and provide capital appreciation during the long term.

Key Features

  • New Fund Offer during Subscription Period

    Subscription period

    The investors can purchase the New Fund Offer during a specific duration that can be a day and extend up to a few weeks. The investors can allocate funds to the New Fund Offer during this subscription period.

  • Initial Offer Price for New Fund Offer

    Initial Offer Price

    The initial offer price is the price at which the investors can buy units of the New Funds Offer during the subscription period. It is generally available at an NAV of ₹10.

  • Units of New Fund Offers

    Units

    Investors can purchase units of these New Fund Offers at the fixed initial offer price.

  • Investment Objective of New Funds Offer

    Investment Objective

    The investment objective of the New Funds Offer will differ based on the type of funds invested, such as mid-cap, small-cap funds, etc.

Benefits Of NFO In Life Insurance Plans

Financial Security

ULIP Policy: Secure family, Invest Wisely

Financial Security

ULIP Policy provides the necessary life cover to offer financial protection for the policyholder's family while providing the opportunity to invest in the financial market based on their risk profile and money goals.

Tailored Investment Objectives

NFO's Financial Objectives

Tailored Investment Objectives

NFOs focus on financial objectives such as sustainability, growth potential, flexibility, stability, etc. Individuals can compare the investment options based on their objectives and choose a suitable ULIP fund option per their risk appetite.

Comprehensive Solution

ULIP Policy: Insurance and Investment Combined

Comprehensive Solution

The ULIP Policy is a combination of insurance and investment streamlining financial objectives into a single solution for both protection and wealth creation needs.

Long-term Investment Advantage

Long-Term Capital Growth Strategy

Long-term Investment Advantage

Investors can choose to invest in the NFOs with the ULIP Policy for the long term to focus on capital appreciation. It can help them plan and secure funds for their long-term financial objectives.

Affordability

Affordable New Fund Offers

Affordability

The initial offer price for the New Fund Offers is extremely affordable. While the early entry provides the advantage of lower prices, it provides the opportunity to benefit from the fund’s growth potential from its inception.

Access to New Investment Strategies

New Investment Strategies

Access to New Investment Strategies

As the New Fund Offers (NFOs) have unique investment objectives and strategies aligned to the current market trends, policyholders get exposure to new investment strategies for a higher growth potential.

Tata AIA Life Insurance NFO Offerings

We at Tata AIA offer wide-ranging New Fund Offers to suit individual financial objectives and risk profiles. Furthermore, our expert team conducts a well-defined fundamental research process to meet investors’ objectives and return expectations.

So, here is what we have at our desk for your dynamic investment journey.

Sustainability Equity Fund

Meaning

Environmental, Social, and Governance (ESG) Fund, also called a Sustainable Fund, is a new consideration in investment options. It will invest in companies or businesses that are environmentally responsible, socially active, and abide by ethical management practices. 

The Sustainability Equity Fund is our popular ESG Fund. The fund option allows you to invest in equity and equity-related instruments that follow the NIFTY 100 ESG Index Benchmark. 

Investment Objective

The investment objective of ULIP Policyholders who choose the Sustainability Equity Fund is to generate long-term wealth appreciation using a diversified asset allocation of businesses that follow green, sustainable, and good business practices. 

Fund Strategy

The fund is designated to adopt Tata AIA’s holistic approach to invest in equity and equity-related instruments predominantly to generate market-linked returns aligned with individual policyholder’s financial objectives.

Benefits

  • Equity-related investment benefit - Policyholders can invest in equity-related financial instruments at a higher proportion for better market-linked returns.

    The asset allocation is as follows:

    • Equity and equity-linked products - 80% - 100%

    • Debt funds - 0% - 20%

    • Mutual Funds, Money Market Instruments, Cash, and Bank Deposits - 0% - 20%

  • Sustainable Growth - Sustainable business practices help companies enhance their growth and profitability, offering sizeable returns on investment.

  • Long-term Capital Appreciation - Companies following sustainable practices will have higher growth potential, reduced business risk, and reliable financial results that can ascertain long-term capital appreciation.

  • Life cover with market-linked returns - The ULIP Plan with the Sustainability Equity Fund provides a life cover for the family’s financial security and market-linked returns for accomplishing future financial goals. 

Who Should Invest In This Fund?

The Sustainable Equity Fund is suitable for policyholders seeking a life cover and options for long-term capital appreciation while contributing to a better society and a greener planet. 

NFO Link

Sustainability Equity Fund

Dynamic Advantage Fund

Meaning

The Dynamic Advantage Fund allows ULIP policyholders to dynamically invest in a mix of equity and debt funds to benefit from both fund options. 

Investment Objective

The investment objective is to invest in a diversified portfolio with equity and debt-related fund options in a balanced manner for long-term capital growth, minimising volatility risk. 

Debt funds help combat market volatility, and equity funds create wealth appreciation.

Fund Strategy

The Dynamic Advantage Fund adopts Tata AIA’s dynamic investment approach to capitalise on a bull market advantage, creating long-term wealth while facing and managing the downside for higher market-linked and risk-adjusted returns. 

Benefits

  • Life cover with market-linked returns - The ULIP Plan with the Dynamic Advantage Fund provides a life cover for the family’s financial security and market-linked returns for accomplishing future financial goals. 

  • Stability - The debt fund option helps reduce portfolio risk by minimising the losses during market corrections. 

  • Growth and Safety - The equity component helps create long-term market-linked returns to beat the inflation rate, and the debt component secures the investment against market volatility risk.

Who Should Invest In This Fund?

It is an ideal New Fund Offer for policyholders seeking a life cover for their family’s financial security and first-time investors for capital appreciation while expecting to be covered under a safety net.

NFO Link

Dynamic Advantage Fund

Emergency Opportunities Fund

Meaning

The Emergency Opportunities Fund is a New Fund Offer that provides the opportunity to invest in mid-cap stocks and benefit from their growth potential. These investments offer consistent returns long term as it is proven better to showcase agility towards adapting to a business cycle.

Investment Objective

The investment objective of the Emergency Opportunities Fund is to generate consistent, long-term, risk-adjusted market-linked returns to the policyholders. 

Fund Strategy

The Emergency Opportunities Fund adopts Tata AIA’s holistic investment approach to benefit from long-term wealth-creating opportunities by choosing equity investments in the mid-cap segment. It also provides the flexibility to move towards the multi-cap segment for a diversified investment portfolio.

Benefits

  • Enhanced competitive advantage - Companies in the mid-cap segment are considered new-age disruptors with innovative offerings. They can expand their business initiatives to develop a competitive advantage for global growth.

  • Life cover with consistent market-linked returns - The ULIP Policy with the Emergency Opportunities Fund will provide a life cover for the family’s financial security while ascertaining opportunities for consistent market-linked returns.

Who Should Invest In This Fund?

The Emergency Opportunities Fund is most suited for people seeking a conservative approach to investing with a life cover. Mid-cap stocks offer better growth potential than large-cap stocks but with lesser risk than small-cap stocks. 

NFO Link

Emergency Opportunities Fund

Emerging Opportunities Fund

Meaning

An Emerging Opportunities Fund is an investment option that allows investors to benefit from mid-cap companies and emerging market leaders. They exhibit immense potential to create significant future growth. Although they focus on mid-cap stocks, they provide the flexibility to invest in multi-cap funds with greater growth potential.

Investment Objective

The investment objective of the Emerging Opportunities Fund is to generate long-term capital appreciation by investing in a portfolio of mid-cap stocks in the new-age sectors. It can invest up to 30% of the portfolio in equity and equity-related instruments not in the mid-cap range. 

Fund Strategy

The Emerging Opportunities Fund adopts Tata AIA’s holistic investment approach to benefit  from long-term wealth-creating opportunities in the mid-cap segment. It also provides the flexibility to move towards the multi-cap segment for a diversified investment portfolio.

Benefits

  • Diversified portfolio - Investing in the mid-cap segment provides the right balance between the growth potential of small-cap stocks and the stability of large-cap stocks. 

  • Emerging options for long-term wealth creation - The mid-cap stocks have the potential to provide returns and grow similar to large-cap stocks over time, offering long-term capital appreciation for investors. 

  • Agile for emerging trends - Mid-cap companies can easily and quickly adapt to changes in the business environment, leading to better responses to emerging trends.

  • Life cover - While generating capital appreciation from the mid-cap segment, the ULIP Policy with the Emerging Opportunities Fund provides the necessary financial coverage for the life insured to secure their family’s future in their absence. 

Who Should Invest In This Fund?

The Emerging Opportunities Fund is suitable for investors seeking long-term growth potential and is highly risk-averse. 

NFO Link

Emerging Opportunities Fund

Small Cap Discovery Fund

Meaning

The Small Cap Discovery Fund is a fund option that invests in small-cap companies that have the potential to grow big and become great giants in the future. They trade at reasonable valuations, making them an attractive source of investment.

Investment Objective

The investment objective of a Small Cap Discovery Fund is to choose fundamentally best-valued small-cap stocks that have a higher growth potential. Nifty small-cap 100 Index has given 14.07% CAGR since inception.

Fund Strategy

The Small Cap Discovery Fund adopts Tata AIA’s holistic approach to investing in small-cap companies with a fundamentally strong early stage in their life cycle, ascertaining a higher growth potential.

Benefits

  • Expansive advantage - There are over 4500 small-cap company stocks to select from and invest long-term.

  • Exhibit strong growth potential - Small-cap stocks are well-established businesses with a strong track record and greater financials. Although the volatility risk is higher, they have a greater chance of growth. 

  • Untapped investment benefits - As these companies are small and often in their early stages of development, they can launch new products or services, experience rapid expansion, capitalise on emerging trends, and provide consistent returns. However, they remain untapped investment opportunities given their early-stage development and lack of experience.

  • Life cover - While policyholders invest and grow with these small-cap funds, they can also get the required sum assured to secure their family against unprecedented scenarios that can result in their unexpected death.

Who Should Invest In This Fund?

Small Cap Discover Fund suits people willing to take a higher risk to seek the maximum out of their investment portfolio. These funds give a higher return when the market is bearish and can have a significant downfall when it is bullish. 

NFO Link

Small Cap Discovery Fund

 

 

 

 

Last 5-year Performance

Since Inception

 

Tata AIA Funds

Morningstar Rating*

Fund Return (%)

Benchmark Return (%)

Fund Return (%)

Benchmark Return (%)

1

MULTI CAP FUND

5 star

24.45%

13.48%

20.67%

11.67%

2

INDIA CONSUMPTION FUND

5 star

23.08%

13.48%

19.37%

11.67%

3

SUPER SELECT EQUITY PENSION FUND

4 star

15.39%

14.51%

13.57%

11.21%

4

WHOLE LIFE MID CAP EQUITY FUND

4 star

19.91%

17.73%

15.03%

12.88%

 

Data as on Oct 31st, 2023. Past performance is not indicative of future performance.

Fund Benchmark: Multi Cap Fund – S&P BSE 200; INDIA CONSUMPTION FUND - S&P BSE 200, SUPER SELECT EQUITY PENSION FUND - Nifty500 Shariah; WHOLE LIFE MID CAP EQUITY FUND - Nifty Midcap 100; INFRASTRUCTURE FUND - Nifty 50.


Tata AIA Life Insurance Plans In Which The NFOs Are Applicable
 

  • Tata AIA Fortune Pro Plan

    Tata AIA Life Insurance Fortune Pro 

    (UIN: 110L112V06)

    Product Composition

    The complete name of Tata AIA Fortune Pro is Tata AIA Life Insurance Fortune Pro (UIN: 110L112V06) - Unit Linked Individual Life Insurance Savings Plan

  • Tata AIA Wealth Pro Plan

    Tata AIA Life Insurance Wealth Pro 

    (UIN: 110L111V04)

    Product Composition

    The complete name of Tata AIA Wealth Pro is Tata AIA Life Insurance Wealth Pro (UIN: 110L111V04) - Unit Linked, Individual Life Insurance Savings Plan

  • Tata AIA Smart Sampoorna Raksha Plan

    Tata AIA Life Insurance Smart Sampoorna Raksha 

    (UIN: 110L156V03)

    Product Composition

    The full name of Tata AIA Smart Sampoorna Raksha is Tata AIA Life Insurance Smart Sampoorna Raksha - Unit-linked, Non-participating, Individual Life Insurance Plan for Savings and Protection (UIN: 110L156V03)

  • Tata AIA Smart Sampoorna Raksha Plus

    Tata AIA Life Insurance Smart Sampoorna Raksha Plus 

    Product Composition

    Tata AIA Life Insurance Smart Sampoorna Raksha solution comprises of A Unit-linked, Non-participating, Individual Life Insurance Plan for Savings and Protection (UIN:110L156V03), Tata AIA Vitality Protect Plus, A Non-linked, Non-participating, Individual Health Rider (UIN: 110A048V02).

  • Tata AIA Capital Guarantee Solution

    Tata AIA Life Insurance Capital Guarantee Solution 

  • Tata AIA Life Insurance Fortune Maxima

    Tata AIA Life Insurance Fortune Maxima 

    (UIN: 110L113V07)

    Product Composition

    The complete name of Tata AIA Fortune Maxima is Tata AIA Life Insurance Fortune Maxima - Non-Participating, Unit Linked, Whole Life Individual Savings Plan (UIN: 110L113V07)

  • Tata AIA Wealth Maxima Plan

    Tata AIA Life Insurance Wealth Maxima 

    (UIN: 110L114V04)

    Product Composition

    The full name of Tata AIA Wealth Maxima is Tata AIA Life Insurance Wealth Maxima - Unit Linked Whole Life Individual Savings Plan (UIN:110L114V04)

  • Tata AIA i Systematic Insurance Plan

    Tata AIA Life Insurance i Systematic Insurance Plan 

  • Tata AIA Vitality

    Tata AIA Life Insurance Param Rakshak Solution

    Product Composition

    Param Rakshak solution comprises of Tata AIA Life Insurance Smart Sampoorna Raksha - A Unit-linked, Non-participating, Individual Life Plan for Savings and Protection (UIN:110L156V03), Tata AIA Vitality Protect Plus - A Non-linked, Non-participating, Individual Health Rider (UIN: 110A048V02 or any other later version)

  • Tata AIA Life Insurance Param Rakshak Plus

    Tata AIA Life Insurance Param Rakshak Plus Solution

    Product Composition

    Param Rakshak Plus solution comprises of Tata AIA Life Insurance Smart Sampoorna Raksha, A Unit-linked, Non-participating, Individual Life Insurance Plan for Savings and Protection (UIN:110L156V03), Tata AIA Vitality Protect Plus, A Non-Linked, Non- Participating Individual Health rider (UIN: 110A048V02) and Tata AIA Vitality Health Plus, A Non-linked, Non-participating, Individual Health Rider (UIN: 110A047V02). Tata AIA Life Insurance Smart Sampoorna Raksha is also available individually for sale.

  • Tata AIA Life Insurance Param Rakshak II Plan

    Tata AIA Life Insurance Param Rakshak II Solution

    Product Composition

    Param Rakshak II solution comprises of Tata AIA Life Insurance Smart Sampoorna Raksha, A Unit-linked, Non-participating, Individual Life Insurance Plan for Savings and Protection (UIN:110L156V03), Tata AIA Vitality Protect Plus, Non-participating, Individual Health Rider (UIN: 110A048V02) Tata AIA Life Insurance Smart Sampoorna Raksha is also available individually for sale.

  • Tata AIA Life Insurance Param Rakshak III Plan

    Tata AIA Life Insurance Param Rakshak III Solution

    Product Composition

    Param Rakshak III solution comprises of Tata AIA Life Insurance Smart Sampoorna Raksha, A Unit-linked, Non-participating, Individual Life Insurance Plan for Savings and Protection (UIN: 110L156V03) and Tata AIA Vitality Protect Plus, A Non-linked, Non-participating, Individual Health Rider (UIN: 110A048V02). Tata AIA Life Insurance Smart Sampoorna Raksha is also available individually for sale.

  • Tata AIA Capital Guarantee Solution

    Tata AIA Life Insurance Capital Guarantee* Solution

  • Tata AIA Life Insurance Pro-Fit Plan

    Tata AIA Life Insurance Pro-Fit 

    Product Composition

    Tata AIA Pro-Fit comprises of Tata AIA Smart Health, A Unit-linked, Non-participating, Individual Health Insurance Plan (UIN: 110L168V02), Tata AIA Sampoorna Health, A Non-Linked, Non- Participating Individual Health rider (UIN: 110A167V02) & Tata AIA OPD Care, A Linked, Non-Participating Individual Health rider (UIN: 110A166V01).

  • Tata AIA Smart Health Plan

    Tata AIA Life Insurance Smart Health

    (UIN: 110L168V02)

    Product Composition

    Tata AIA Smart Health (UIN: 110L168V02) - Unit Linked, Non-participating, Individual Health Insurance Plan. Tata AIA Smart Health is also available for sale individually.

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Frequently Asked Questions

What are Unit Linked Insurance Plans?

ULIPs, or Unit Linked Insurance Plans, are financial products that combine life insurance with investment options. Insurance companies offer them to provide both insurance coverage and investment opportunities in a single package.

What are the different types of funds available under a ULIP?

ULIPs offer various fund options for different risk profiles and investment goals. 

The specific names and categories of funds can vary between different insurance companies. For instance, Tata AIA offers nearly 11 different types of funds with varied features and risk profiles.

Here are some common types of funds that are typically offered under ULIPs:

  1. Equity Funds

  2. Debt Funds

  3. Balanced Funds

  4. Money Market Funds

  5. Growth Funds

  6. Income Funds

  7. Opportunity Funds

  8. Index Funds

  9. Sector Funds

  10. Aggressive Growth Funds

  11. Conservative Funds

Before making investment choices, it's essential to thoroughly understand the characteristics, risk profiles and historical performance of the different fund options the ULIP offers. You should consider your financial goals, risk tolerance and investment horizon when selecting funds within a ULIP.

What is the difference between an existing fund option and an NFO in a ULIP Policy?

New Fund Offers (NFO) launch a new fund option with a distinct investment objective, fund strategy, and asset allocation against the existing fund option. Therefore, it allows policyholders to diversify their investment portfolios based on their risk appetite and financial objectives.

How to choose the right NFO for my ULIP Policy?

Choosing the right NFO for your ULIP Policy depends on your individual financial objectives, investment tenure, risk tolerance, and investment strategy. You can compare the different NFOs available based on their past performance and make a well-informed decision.

Is it better to opt for an NFO within a ULIP than a direct NFO?

Following are some of the benefits of opting for an NFO within a ULIP:

  1. Simplicity: If you're already considering a ULIP for life insurance and investment combined, choosing NFOs within the ULIP might simplify your financial management by consolidating your insurance and investment needs.

  2. Insurance Coverage: ULIPs offer life insurance coverage and investment, which could be beneficial if you seek both. This can provide a comprehensive solution in a single product.

  3. Diversification: ULIPs typically offer a range of investment funds, not just NFOs. This diversification might provide more stability to your investment portfolio.

  4. Professional Management: The investment options within ULIPs, including NFOs, are managed by professionals employed by the insurance company. This can provide a sense of security in terms of investment decisions.

However, whether NFOs within ULIPs are "better" depends on your individual circumstances and preferences. If you're primarily seeking life insurance coverage and investment options and are comfortable with the terms and costs associated with ULIPs, they could be a suitable choice. 

However, investing directly in NFOs or established mutual funds might be more appealing if you're more focused on investment opportunities, flexibility and cost-efficiency.

Before making any decision, it's crucial to thoroughly research and understand the specific terms, charges, risks and benefits associated with both options.

Disclaimer

  • Unit Linked Life Insurance products are different from traditional insurance products and are subject to risk factors. The premium paid in Unit Linked Life Insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions. The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns.

  • The fund is managed by Tata AIA Life Insurance Company Ltd. (hereinafter the “Company”). 

  • Past performance is not indicative of future performance. Returns are calculated on an absolute basis for a period of less than (or equal to) a year, with reinvestment of dividends (if any).

  • All investments made by the Company are subject to market risks. The Company does not guarantee any assured returns. The investment income and price may go down as well as up depending on several factors influencing the market.

  • Linked Insurance Products do not offer any liquidity during the first five years of the contract. The policy holder will not be able to surrender/ withdraw the monies invested in Linked Insurance Products completely or partially till the end of the -fifth year.

  • Please know the associated risks and the applicable charges, from your Insurance agent or the Intermediary or policy document issued by the insurance company.

  • Buying a Life Insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the Surrender Value payable may be less than the all the Premiums Paid. Insurance cover is available under the product. For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.

  • The performance of the managed portfolios and funds is not guaranteed, and the value may increase or decrease in accordance with the future experience of the managed portfolios and funds.

  • Premium paid in the Unit Linked Life Insurance Policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the Insured is responsible for his/her decisions.

  • Please know the associated risks and the applicable charges, from your insurance agent or the Intermediary or policy document issued by the Insurance Company.

  • Insurance cover is available under the product.

  • The products are underwritten by Tata AIA Life Insurance Company Ltd.

  • The plans are not a guaranteed issuance plan, and it will be subject to Company’s underwriting and acceptance.

  • For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.

  • All Premiums, Charges, and interest payable under the policy are exclusive of applicable taxes, duties, surcharge, cesses or levies which will be entirely borne/ paid by the Policyholder, in addition to the payment of such Premium, charges or interest. Tata AIA Life shall have the right to claim, deduct, adjust and recover the amount of any applicable tax or imposition, levied by any statutory or administrative body, from the benefits payable under the Policy.

  • Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfilment of conditions stipulated therein. Tata AIA Life Insurance Company Ltd. does not assume responsibility on tax implications mentioned anywhere on this site. Please consult your own tax consultant to know the tax benefits available to you.

  • Goods and Services Tax and cesses, if any will be charged extra by redemption of units, as per applicable rates. Tax laws are subject to amendments from time to time.

  • Whilst every care has been taken in the preparation of this content, it is subject to correction and markets may not perform in a similar fashion based on factors influencing the capital and debt markets; hence this advertisement does not individually confer any legal rights or duties. This is not an investment advice, please make your own independent decision after consulting your financial or other professional advisor.

  • ©2020 Morningstar. All rights reserved. The Morningstar name is a registered trademark of Morningstar, Inc. in India and other jurisdictions. The information contained here: (1) includes the proprietary information of Morningstar, Inc. and its af-liates, including, without limitation, Morningstar India Private Limited ("Morningstar"); (2) may not be copied, redistributed or used by any means, in whole or in part, without the prior, written consent of Morningstar; (3) is not warranted to be complete, accurate or timely; and (4) may be drawn from the data published on various dates and procured from various sources and (4) shall not be construed as a n offer to buy or sell any security or other investment vehicle. Neither Morningstar, Inc. nor any of its aflliates (including, without limitation, Morningstar) nor any of their officers, emerging Opportunities Fund is part of a various funds which a policyholder can choose from. For further details on funds refer the sales brochure.

  • Emerging Opportunities Fund (SFIN. ULIF 064 12/09/22 EOF 110)1 TATA AIA Life Sustainable Equity Fund (SFIN: ULFI 065 12/09/22 ESG 110)1 Dynamic Advantage Fund (SFIN ULIF 066 12/09/22 DAF 110) Smart Sampoorna Raksha plan in isolation is also available for sale. Tata AIA Life Insurance Fortune Maxima - 110L113V05