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Tata AIA Smart Fortune Plus
Tata AIA Smart Fortune Plus gives you the best of both worlds: a way to grow your hard earned money and the security of life insurance. This plan offers numerous benefits, like whole life coverage, flexible withdrawals to help your wealth grow.
Benefits at a glance
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![Lower Premium Rates for Women - Highlights of Tata AIA Life Insurance Sampoorna Raksha Supreme]( "Lower Premium Rates for Women - Highlights of Tata AIA Life Insurance Sampoorna Raksha Supreme")
Life Cover Till 100 Years
Enjoy uninterrupted life insurance coverage up to 100 years of age11 so that you need not worry about the financial security of your family.
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![Death Benefit Pay-out - Highlights of Tata AIA Life Insurance Sampoorna Raksha Supreme]( "Death Benefit Pay-out - Highlights of Tata AIA Life Insurance Sampoorna Raksha Supreme")
High Premium Booster
Policyholders get an extra allocation on their first-year premium: 0.25% for annual premiums between ₹50,000 and ₹1,19,999, and 0.5% for premiums of ₹1,20,000 and above, on Limited/Regular pay policies.
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![Flexibility to Choose Plan Option - Highlights of Tata AIA Life Insurance Sampoorna Raksha Supreme]( "Flexibility to Choose Plan Option - Highlights of Tata AIA Life Insurance Sampoorna Raksha Supreme")
Smart Lady Extra Allocation
Women policyholders benefit from an additional allocation: 0.25% for single-pay and 0.5% for limited/regular pay policies, helping them get a boost in building their wealth.
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![Option to get Income Pay-outs - Highlights of Tata AIA Life Insurance Sampoorna Raksha Supreme]( "Option to get Income Pay-outs - Highlights of Tata AIA Life Insurance Sampoorna Raksha Supreme")
Fund Additions
Your investment can be boosted with loyalty additions8 and maturity booster10 as an incentive for staying consistently invested in the plan over the investment period. These additions add to the total corpus in your fund to boost your wealth plan.
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![Maturity Benefits - Highlights of Tata AIA Life Insurance Sampoorna Raksha Supreme]( "Maturity Benefits - Highlights of Tata AIA Life Insurance Sampoorna Raksha Supreme")
Tax-Saving Benefits
Enjoy potential tax2 benefits on your premiums paid under applicable income tax laws, allowing you to save money while growing your wealth.
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![Top-Up Sum Assured - Highlights of Tata AIA Life Insurance Sampoorna Raksha Supreme]( "Top-Up Sum Assured - Highlights of Tata AIA Life Insurance Sampoorna Raksha Supreme")
Get fit with Tata AIA Vitality Wellness Program
Incorporate wellness into your financial plan by availing Tata AIA Vitality Wellness program3. It offers potential discounts4 on first year rider premiums, complimentary health check-ups, and other valuable benefits based on your healthy lifestyle choices.
The 4 Plan Options to Meet Your Life Goals
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01
Wealth Secure
This plan allows you to invest your premiums and earn market linked returns5, offering whole life coverage and the flexibility for unlimited fund switches to get the most out of your investment. -
02
Future Secure
This plan ensures that your loved ones’ financial future is secured if you’re not around. In case of an unfortunate event, the nominee receives the death benefit. Additionally, Tata AIA Life Insurance will cover any remaining premiums (if applicable) and the policy benefits continue to accumulate, ensuring financial security. -
03
Goal Secure
Goal Secure is a thoughtfully designed plan option to protect your family’s financial dreams. In case of an unfortunate event, the nominee will receive both the death benefit and the total fund value you've built up. This smart investment plan helps you achieve your long-term financial goals for your family. -
04
Family Secure
This plan offers a complete safety net for your family if you're no longer around. It provides a monthly income equal to 1% of the base sum assured, so that their needs are met. Additionally, Tata AIA Life Insurance will cover any remaining premiums and the policy benefits continue to grow. Upon policy maturity, the accumulated total fund value is paid out to your beneficiaries.
Flexibility at Your Fingertips with Multiple Partial Withdrawal Options
After the lock-in period ends, you can choose a withdrawal option that best fits your financial goals. Here are some withdrawal options available with Tata AIA Smart Fortune Plus.
Systematic Withdrawal Plan (SWP)
Stay in control by withdrawing a set amount or a certain percentage of your fund value at regular times.
Chosen-rate Withdrawal Plan (CWP)
Prioritize growth by setting a target growth rate for your investment. If your investment grows more than this rate, the extra amount will be given to you as a payout.
Index-based Withdrawal Plan (IWP)
Link your withdrawals to market performance by choosing an index as a benchmark. If your fund value grows more than the selected index, the excess amount can be withdrawn.
Know your Plan
Minimum Policy Term |
Single Pay: 5 years Limited Pay: 6 years Regular Pay: 10 years |
Premium Paying Term |
Single Pay Limited Pay – 5 to 20 years Regular Pay – 10 to 50 Years |
Premium Payment Mode |
Single, Annual, Semi-Annual, Quarterly, Monthly |
Minimum Entry Age |
Wealth Secure and Goal Secure – 30 days for Single Pay/Limited Pay/ Regular Pay Future Secure and Family Secure –18 years for Limited Pay/ Regular Pay |
Minimum Sum Assured |
Up to age 49
|
Minimum Maturity Age |
Wealth Secure and Goal Secure - 18 years |
Age as on last birthday
Definition:
Single Pay: Pay the complete premium amount once at the start of the policy.
Limited Pay: Pay premiums over a specified, shorter period, while enjoying policy benefits for the complete policy term.
Regular Pay: Pay your premiums regularly as per the option selected (Single, Annual, Semi-Annual, Quarterly, Monthly), throughout the entire policy term.
Why Choose Tata AIA Life?
77 Lakh+
Families Protected7
500+ Branches
Presence across major cities in India
Pay your Way
Flexibility to choose premium payment mode as per convenience
1 Lakh Crore +
Assets Under Management (AUM)6
How to Purchase This Plan?
Explore four distinct Smart Fortune Plus plan variations to align with your goals, that is, Wealth Secure, Future Secure, Goal Secure, and Family Secure. Based on the plan options selected, estimate potential returns based on your chosen plan and investment horizon.
Decide on the investment term (duration) that best suits your needs. Then, select your preferred premium payment method - Single, Regular, or Limited.
Choose a premium amount within the minimum and maximum limits for your selected plan option. Utilize the available Smart Fortune Plus Funds to build a diversified portfolio based on your risk tolerance. Consider consulting a financial advisor to determine the most suitable investment strategy for you.
Looking to buy a new insurance plan?
Our experts are happy to help you!
Download Documents
Frequently Asked Questions
What is the best time to invest in a ULIP like Tata AIA Smart Fortune Plus?
A good time to start a ULIP plan like Smart Fortune Plus is early in your life. This allows you to:
- Grow your wealth over a longer period: The longer your investment timeframe, the greater the potential for growth.
- Benefit from lower mortality charges: Generally, younger individuals have lower mortality charges, leading to a higher allocation towards investment units.
Why are Smart Investment Plans like Tata AIA Smart Fortune Plus important?
Smart Investment Plans offer a combination of benefits:
Investment opportunities: Invest in a variety of funds based on your risk tolerance to potentially achieve your financial goals.
Market-linked returns: Your returns are linked to the market performance5, offering the potential for higher returns compared to traditional savings plans.
Life insurance coverage: Provides financial security for your loved ones in case of an unfortunate event.
Are minimum returns guaranteed with Tata AIA Smart Fortune Plus?
No, minimum returns are not guaranteed in Smart Fortune Plus funds or any other market-linked investment. The performance of your investment will depend on the chosen funds and market fluctuations. However, our fund managers work to give you the best possible returns on your investment.
When can I withdraw funds from my Smart Fortune Plus policy?
Partial withdrawals are allowed after a lock-in period of 5 years. You can withdraw a maximum of 25% of the fund value each policy year. After this period, you can utilize various systematic withdrawal options like SWP (Systematic Withdrawal Plan) or CWP (Chosen-rate Withdrawal Plan) to access your funds.
What is the minimum maturity age for the Smart Fortune Plus?
The minimum maturity age depends on the plan option you select:
Wealth Secure and Goal Secure - 18 years
Future Secure and Family Secure - 24 years
What riders9 are available with the Smart Fortune Plus?
Tata AIA Smart Fortune Plus offers a variety of riders to customize your coverage. The below riders are available with this plan
Tata AIA Life Insurance Waiver of Premium (Linked) Rider9 - Linked, Individual, Health Insurance Rider (UIN: 110A026V02)
Tata AIA Life Insurance Waiver of Premium Plus (Linked) Rider - Linked, Individual, Health Insurance Rider (UIN: 110A025V02) - Not available with Future Secure and Family Secure plan option
Tata AIA Life Insurance Accidental Death and Dismemberment (Long Scale) (ADDL) Linked Rider - Linked, Individual, Health Insurance Rider (UIN: 110A027V02)
TATA AIA OPD Care - A Linked, Non-Participating Individual Health Rider (UIN: 110A166V02)
Tata AIA Life Insurance Linked Comprehensive Health Rider - A Non-Linked, Non- Participating Individual Health rider (UIN: 110A031V03 or any later version)
Tata AIA Life Insurance Linked Comprehensive Protection Rider - A Non-Linked, Non- Participating Individual Health rider (UIN: 110A032V03 or any later version)
Tata AIA Vitality Health Plus - A Non-Linked, Non- Participating Individual Health rider (UIN: 110A047V02 or any later version)
Tata AIA Vitality Protect Plus - A Non-Linked, Non- Participating Individual Health rider (UIN 110A048V03 or any later version)
Tata AIA Sampoorna Health - A Non-Linked, Non-Participating Individual Health Rider (UIN: 110A167V02)
What documents are required to file a claim under the Smart Fortune Plus?
For details on claim settlement documents, please click here.
How can I file a claim under the Smart Fortune Plus?
You can file a claim with Tata AIA Life Insurance through various channels:
Email: customercare@tataaia.com
Phone : 1860-266-9966
Branch Visit: Locate a branch near you.
Mail: Write directly to this address -
The Claims Department,
Tata AIA Life Insurance Company Limited
B- Wing, 9th Floor,
I-Think Techno Campus,
Behind TCS, Pokhran Road No.2,
Close to Eastern Express Highway,
Thane (West) 400 607.
IRDA Regn. No. 110
- THE LINKED INSURANCE PRODUCT 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.
- Tata AIA Smart Fortune Plus - Non-Participating, Unit Linked Individual Life Insurance Savings Plan (UIN: 110L177V01)
- 1Waiver of premium is available only in Future Secure and Family Secure option under TATA AIA Smart Fortune Plus.
- 2Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfillment of conditions stipulated therein. For ULIP policies, maturity income will be taxable if annual aggregate premium exceeds ₹2.5 Lakh in a financial year. For non ULIP insurance policies, maturity income will be taxable if annual aggregate premium exceeds ₹5 Lakh in a financial year. Tax laws are subject to change from time to time. 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.
- 3Tata AIA Vitality - A Wellness Program that offers you an upfront discount at policy inception. You can also earn premium discount / cover booster (as applicable) for subsequent years on policy anniversary basis your Vitality Status (tracked on Vitality app) Please refer rider brochures for additional details on health and wellness benefits.
- 4On enrolling into the wellness Program, you get an upfront discount of 5% on first year premium for Accidental Death, Accidental Total & Permanent Disability, Accidental Disability Care Benefits and of 10% on first year premiums of the other benefit options. The rewards are offered on cumulative basis and in any year, the maximum rewards in view of both the upfront rewards and annual rewards together shall be 15% for Accidental Death, Accidental Total & Permanent Disability, Accidental Disability Care Benefits and 30% for all other benefit options. Discount is driven by accumulated points which is achieved through wellness status. Please refer policy document for more details.
- 5Market-linked returns are subject to market risks and terms & conditions of the product. The assumed rate of returns or illustrated amount may not be guaranteed and depends on market fluctuations.
- 6As on 03rd April 2024, the company has a total Assets Under Management (AUM) of Rs.100,099.11 Crores
- 777,26,727 families protected till 31st March 2023.
- 8Loyalty Additions will be credited only if Policy is in-force and all due premiums have been paid. For Regular Pay & Limited Pay, additional units @ 0.20% of units in each of the funds under Regular Premium Account will be credited (post deduction of applicable charges) to the respective funds every Policy Anniversary starting from eleventh (11th) Policy Anniversary till end of Policy Term. For Single Pay, additional units @ 0.35% of units in each of the funds under the Single Premium Account will be credited (post deduction of applicable charges) to the respective funds every policy anniversary starting from sixth (6th) Policy Anniversary till end of Policy Term. Loyalty Additions are not payable on Top-up Premium Account.
- 9Riders are not mandatory and are available for a nominal extra cost. For more details on benefits, premiums, and exclusions under the Rider, please contact Tata AIA Life's Insurance Advisor/Intermediary/ branch.
- Tata AIA Life Insurance Waiver of Premium (Linked) Rider - Linked, Individual, Health Insurance Rider (UIN: 110A026V02), Tata AIA Life Insurance Waiver of Premium Plus (Linked) Rider - Linked, Individual, Health Insurance Rider (UIN: 110A025V02)- Not allowed to be attached under Future Secure and Family Secure, Tata AIA Life Insurance Accidental Death and Dismemberment (Long Scale) (ADDL) Linked Rider - Linked, Individual, Health Insurance Rider (UIN: 110A027V02),TATA AIA OPD Care (UIN: 110A166V02), Tata AIA Life Insurance Linked Comprehensive Health Rider - A Non-Linked, Non- Participating Individual Health rider (UIN: 110A031V03 or any later version), Tata AIA Life Insurance Linked Comprehensive Protection Rider - A Non-Linked, Non- Participating Individual Health rider (UIN: 110A032V03 or any later version), Tata AIA Vitality Health Plus - A Non-Linked, Non- Participating Individual Health rider (UIN: 110A047V02 or any later version), Tata AIA Vitality Protect Plus - A Non-Linked, Non- Participating Individual Health rider (UIN 110A048V03 or any later version),TATA AIA Sampoorna Health (UIN 110A167V02) are available under this plan.
- 10An inforce policy with all due premiums paid will be eligible for fund booster on the date of maturity. Such fund boosters are defined as a percentage of the average of the Fund Value including Top-up Fund Value, if any, on the last business day of the last eight policy quarters will be added to the Fund Value in the form of addition of units. These boosters will be allocated to the Fund(s) in the same proportion of the Fund Value on the maturity dateA percentage of the average of the Fund Values including Top-up Fund Value, if any, on the last business day of the last eight policy quarters will be added to the Fund value in the form of addition of units. Percentage is defined basis policy term and option chosen.
- 11Maximum Maturity Age for 100 years is applicable for Option 1 - Wealth Secure. For Options - Future Secure, Goal Secure and Family Secure, the Maximum Maturity age is 85 years
- 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.
- Tata AIA Life Insurance Company Limited is only the name of the Insurance Company & Tata AIA Smart Fortune Plus is only the name of the Unit Linked Life Insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns
- The fund is managed by Tata AIA Life Insurance Company Ltd.
- For more details on risk factors, terms and conditions please read Sales Brochure carefully before concluding a sale. The precise terms and condition of this plan are specified in the Policy Contract.
- 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).
- Investments 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.
- Please make your own independent decision after consulting your financial or other professional advisor
- Unit Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factors. Please know the associated risks and the applicable charges, from your Insurance Agent or Intermediary or Policy Document issued by the Insurance Company.
- 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 underlying Fund's NAV will be affected by interest rates and the performance of the underlying stocks.
- 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.
- 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).
- 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.
- 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.
- L&C/Advt/2024/Sep/2606
