Tata AIA Investment Plans

Tata AIA Life Insurance is a joint venture between Tata Sons Ltd., one of India's leading financial groups, and AIA Group Limited, the world's largest independent listed life insurance group. Tata AIA Life Insurance offers a variety of investment plans to help you achieve your financial goals. These plans combine life insurance coverage with investment options, providing both security and the potential for growth.

4.8^~ Rated
7.7 Crore Registered Consumer
50 Partners Insurance Partners
4.2 Crore Policies Sold

Investment Plans

Plan starting from ₹1,000/month
Save upto ₹46,800 in Tax under section 80C^{^}
Zero LTCG Tax^¶
In built life cover

Top performing plans with High Returns^**

Invest ₹10K/Month & Get ₹1 Crore^# on Maturity

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We are rated^~

7.7 Crore

Registered Consumer

Insurance Partners

4.2 Crore

Policies Sold

Disclaimer: #The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CAGR 8%; ₹50,45,591 @ CAGR 4%. *Tax benefits and savings are subject to changes in tax laws. All plans listed here are of insurance companies’ funds.

Tata AIA Top Investment Plan List

Plan Names	Entry Age	Minimum Investment Amount
ULIP Plans
Tata AIA Smart Sampoorna Raksha	18 years	Limited Pay 5 years: ₹60,000 Others: ₹18,000 Top-up Premium: ₹5,000 per Top-up
Tata AIA Fortune Pro	0 years (30 days)	Single Pay – ₹25,000 Regular/Limited Pay – ₹12,000 per annum
Tata AIA Wealth Maxima	0 years (30 days)	Single Pay – ₹5,00,000 Limited Pay – ₹2,50,000 per annum
Tata AIA Fortune Guarantee	18 years less Policy Term or 0 years (30 days), whichever is higher	₹24,000
Tata AIA Wealth Pro	0 years (30 days)	Single Pay – ₹5,00,000 Regular/Limited Pay – ₹2,50,000 per annum
Tata AIA Fortune Maxima	0 years (30 days)	Single Pay – ₹25,000 Limited Pay – ₹12,000 per annum
Tata AIA Smart Sampoorna Raksha Pro	18 years	Single Pay: ₹20,000 per annum
Tata AIA i Systematic Insurance Plan	Option 1 – iSIP Wealth: (30 days) Option 2 – iSIP Young Genius: 18 years	-
Traditional Plans
Tata AIA Fortune Guarantee Supreme	30 days	Single Pay – ₹5,000 Limited Pay /Regular Pay – ₹24,000 p.a.
Tata AIA Smart Income Plus	0 years subject to minimum maturity age of 18 years *The Life Insured must be at least 30 days old at the time of purchase and risk shall commence immediately	For Option I: ₹18,000 For Option II: ₹36,000
Tata AIA Fortune Guarantee Plus	Other than POS: Option 1: 1 year Option 2: 18 years For POS: Option 1: 1 year Option 2: Not Available	Single Pay - ₹5,000 Limited Pay /Regular Pay – ₹24,000 p.a.
Tata AIA Guaranteed Return Insurance Plan	Minimum: 18 years	Endowment: ₹24,000 Regular Income: ₹24,000 Whole Life Income: ₹24,000
Tata AIA Smart Value Income Plan	30 days	Single/Limited/Regular Pay: ₹24,000 p.a.
Tata AIA Diamond Savings Plan	3 years	Min:₹18,000 p.a.
Tata AIA Gold Income Plan	5 Pay: 6 years 12 Pay: 3 years	5 Pay: ₹50,000 p.a. 12 Pay: ₹36,000 p.a
Tata AIA Money Back Plus	0 years (30 days)	-
Tata AIA Mahalife Gold	0 years (30 days)	-
Tata AIA Value Income Plan	30 days	PPT- 5 to 8: ₹50,000/- p.a. PPT- 9 to 15: ₹24,000/- p.a.
Tata AIA Guaranteed Monthly Income Plan	For Policy Term 5 years: 13 years For Policy Term 8 years: 10 years For Policy Term 12 years: 6 years	For Policy Term 5 years: ₹75,000/- per annum For Policy Term 8 years: ₹50,000/- per annum For Policy Term 12 years: ₹36,000/- per annum

What are Tata AIA Investment Plans?

Tata AIA Life Insurance offers a range of investment plans designed to meet various financial goals and risk appetites. These plans include Unit Linked Insurance Plans (ULIPs), which combine the benefits of investment and insurance. With ULIPs, a portion of the premium is allocated towards life insurance coverage, while the remainder is invested in equity, debt, or balanced funds based on the policyholder's choice and risk tolerance. Tata AIA Savings plans provide flexibility with options to switch between funds, top-up investments, and partial withdrawals, allowing policyholders to tailor their investments according to changing financial needs. These plans also offer tax benefits under Section 80C and 10(10D) of the Income Tax Act.

Market-Linked Insurance Plans
Traditional Insurance Plans

Details of the Best Tata AIA ULIP Plans

Below are the best investment options in India by Tata AIA:

Tata AIA Smart Sampoorna Raksha
- Unit-Linked Insurance Plan (ULIP) - combines life insurance protection with investment potential
- Provides financial protection for your loved ones in case of your unfortunate demise.
- Get a lump sum payout at the policy's maturity.
- Choose from a variety of investment funds to suit your risk appetite.
- Get back a portion of the premium allocation charges in later policy years.
- Receive refunds of mortality charges after a specific policy year.
- Potentially reduce your tax burden under applicable tax laws.
Tata AIA Fortune Pro
- Choose from a variety of investment funds (all rated 4 or 5 stars by Morningstar) to match your risk appetite.
- Benefit from market-linked returns, allowing your investment to grow alongside the stock market.
- Get additional units periodically (starting from the 6th policy anniversary) to boost your corpus.
- Switch between funds as market conditions change to optimize your investment strategy.
- Provides financial security for your loved ones in case of your unfortunate demise.
- Enjoy tax savings on premiums paid and potential maturity benefits (as per applicable tax laws).
- Choose a payment schedule that suits your budget (single, annual, half-yearly, quarterly, or monthly).
- Enhance your coverage with additional benefits like accidental death, critical illness, or waiver of premium riders (subject to additional costs).
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Tata AIA Wealth Maxima
- Provides financial protection for your loved ones throughout your life, with coverage extending up to 100 years of age.
- Choose to pay premiums in a single lump sum (single pay) or spread them out over a limited period (limited pay) instead of lifelong payments.
- Offers a wide range of up to 18 investment funds allowing you to tailor your investment strategy based on your risk tolerance and financial goals. These funds may include equity, debt, and balanced options.
- From the 11th policy year onwards, your policy benefits from loyalty additions in the form of additional units allocated to each chosen fund, potentially boosting your returns.
- Provides flexibility to withdraw a portion of your accumulated funds after a certain lock-in period (usually 5 years).
- Allows you to increase your investment in the plan by making additional contributions after a specific period. You may even be able to increase your sum assured through this feature.
- Enhance your coverage with optional riders (additional benefits) that come at an extra cost. These may cover critical illness, accidental death, or waiver of premium in case of disability.
- As with most ULIPs (Unit Linked Insurance Plans), you may be eligible for tax benefits on premiums paid, death benefit received, and maturity benefit (subject to prevailing tax laws).
Tata AIA Fortune Guarantee
- Get a lump sum payout at the policy's end to achieve your long-term goals.
- Provides financial security for your loved ones in case of your unfortunate demise.
- Choose a policy term and premium payment term that suits your budget.
- Premiums paid qualify for tax deductions under Section 80C of the Income Tax Act.
- Enhance your coverage with additional riders (optional) for a more comprehensive plan.
Tata AIA Wealth Pro
- Invest for growth potential based on market performance.
- Get bonus units added to your investment regularly.
- Choose to pay a lump sum or spread it out over time.
- Invest in different funds based on your risk appetite.
- Provides financial security for your loved ones.
- Save on taxes under applicable Income Tax Act sections.
- Add riders for extra protection (e.g., waiver of premium).
Tata AIA Fortune Maxima
- Provides financial security for your loved ones throughout your life.
- Invest in various funds (debt, equity, balanced) to grow your wealth.
- Choose premium payment terms and switch between funds based on your needs.
- Get bonus units to boost your savings from the 6th policy year onwards.
- Save on taxes with deductions under Section 80C and tax-free death benefit.

Details of the Best Tata AIA Traditional Plans

Below are the top Tata AIA Guaranteed Return Insurance Plans:

Tata AIA Fortune Guarantee Supreme

This is a non-linked, non-participating savings plan. This means the returns are guaranteed, but they are not linked to the market performance.
- Get guaranteed income starting from the first month (Immediate Income option) or defer it until after your premium payment term (My Income option).
- Receive a guaranteed lump sum payout at policy maturity to achieve long-term goals.
- Grow your income with a loyalty addition feature in a separate sub-wallet, allowing you to withdraw funds as needed.
- Use your guaranteed income to pay or offset future premiums, reducing your financial burden.
- Provides life cover throughout the policy term. In case of an unfortunate event, your nominee receives a lump sum death benefit.
- Enjoy tax benefits on premiums paid and benefits received under the plan, as per prevailing income tax laws. This can help you save on taxes.
- Receive a special discount on the first year's premium if you are a female applicant.
- Flexibility in choosing policy terms and premium payment terms.
Tata AIA Fortune Guarantee Plus

This plan offers a combination of life insurance, guaranteed income, and flexibility to suit your financial goals. Here are the key features and benefits:
- Choose between regular income or regular income with an inbuilt critical illness benefit.
- Select an income payout period between 20 and 45 years.
- Get your total premiums back at the end of the income payout period.
- Choose to receive income monthly or annually.
- Opt for a lump sum payment of your future guaranteed income payouts during the income period (flexibility).
- Choose between single premium, limited pay, or regular pay to fit your budget.
- Enhance your coverage with additional riders like accidental death benefit or waiver of premium rider (for additional cost).
- Premiums paid may be eligible for tax deduction under Section 80C of the Income Tax Act (subject to change). Maturity benefits and death benefits may also be tax-exempt under applicable sections (subject to change).
- Opt for joint life coverage under a single premium payment option (protects both lives).
Tata AIA Guaranteed Return Insurance Plan

Tata AIA Life Guaranteed Return Insurance Plan combines life insurance coverage with a savings element to help you achieve your financial goals. Here are the key features and benefits:
- Provides financial protection for your loved ones in case of your unfortunate demise. The payout amount varies depending on the chosen option (more on that below).
- Offers guaranteed maturity benefits, safeguarding your investment and ensuring predictable returns.
- Choose how you receive your payout at maturity:
  - Lump Sum: Get a guaranteed maturity benefit along with accrued guaranteed additions as a single payout.
  - Regular Income: Receive a fixed income payout throughout a chosen period.
  - Lifetime Income: Enjoy a regular income stream for your entire lifetime.
- Select a payment frequency that suits your budget (monthly, quarterly, half-yearly, or annually).
- Access a loan against your policy to meet short-term financial needs after acquiring a surrender value.
- Tax Benefits (subject to change in tax laws):
  - Premiums paid qualify for tax deduction up to ₹1,50,000 under Section 80C of the Income Tax Act.
  - The maturity benefit may be exempt from tax under Section 10(10D).

Conclusion

Tata AIA empowers you to choose between security and potential for higher returns, all while providing valuable life insurance coverage. For a well-rounded financial strategy, consider consulting a financial advisor to explore which plan best aligns with your unique needs and aspirations.

FAQs

What are the different types of Tata Investment Plans?
Tata AIA offers two main categories of investment plans:
- ULIPs (Unit Linked Insurance Plans): These plans invest a portion of your premium in market-linked funds, offering the potential for higher returns but with market risk.
- Trad Plans (Traditional Plans): These plans provide guaranteed returns on your investment, ideal for those seeking stability and predictability.
What are the benefits of investing in a Tata AIA Investment Plan?
- Investment and Insurance Combined: Get both life insurance coverage and the potential for investment growth.
- Flexibility: Choose between ULIPs for market-linked growth or Trad Plans for guaranteed returns. Some ULIPs offer flexibility when switching between investment funds.
- Tax Savings: Premiums paid may qualify for tax deductions under Section 80C of the Income Tax Act (subject to change).
- Peace of Mind: Secure your financial future and provide protection for your loved ones.
Which plan is right for me?
The best plan for you depends on your individual circumstances. Consider your:
- Risk Tolerance: Are you comfortable with market fluctuations (ULIPs) or do you prefer guaranteed returns (Trad Plans)?
- Investment Goals: Are you saving for a long-term goal like retirement or a short-term goal like a child's education?
- Financial Situation: How much can you afford to invest regularly?
Can I withdraw money from my Tata AIA Investment Plan?

Withdrawal options vary depending on the plan type and chosen terms. Some plans may have restrictions on withdrawals in the initial years. It's important to understand the terms and conditions of your specific plan.

†Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. The sorting is based on past 10 years’ fund performance (Fund Data Source: Value Research). For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Please note that the quotes shown will be from our partners
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
~Source - Google Review Rating available on:- http://bit.ly/3J20bXZ

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Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

Average Rating

4.1 / 5

(Based on 25 Reviews)

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Tata AIA Traditional Plans Reviews & Ratings

4.1 / 5 (Based on 25 Reviews)

(Showing Newest 10 reviews)

Chitvan

Kolavada, September 27, 2016

★★★★★

Trustable Policy

After a long web search, got great traditional insurance policy which i took from tata aia life insurance company. Service is fantastic provided by the executives and staff members of the insurance company. Policy coverage is high approx.89% and the claims are even better. Procedure of the claims are very easy due to fast service.

Ashish

Garifa, August 25, 2016

★★★★★

Tata insurance policy

Tata AIA life insurance is very great insurance company from long time. I purchase traditional insurance policy from them. Service is quick and the renewal of the policy can be done on online portal of the company website. Good coverage and claims, which can be easily sanctioned by the help of the executives of the company.

Manish

Ludhiana, July 27, 2016

★★★★★

Investment policy

I have bought an insurance policy plan from tata aia life insurance company. The company provides good service which is on time too. Online website facilitate the easy method to renew the policy with few clicks. It reduces paperwork and waste of time waiting in the queue.

Gaurav

Madhupur, July 12, 2016

★★★★★

Traditional Plan

The premium of my traditional insurance plan is less and infact it come in low investment too. Policy coverage is high and the claims are good enough to reimbursed the amount. Service provided is fantastic and due to that the claiming become easy.

Chirag

Algum, June 30, 2016

★★★★★

Good Plan

The traditional insurance plan you provided is superb which has low premiums. Service of tour staff is fabulous and even online portal service is easy to use. Updates of the insurance plan is mailed to me regularly. Policy coverage and claims are high.

Yogesh

Kolkata, May 09, 2016

★★★★★

Awesome

Tata aia traditional plan which has 94% policy coverage and the claims are easy to get because of fast services provided by the executives and staff members. The daily updates are texted and mailed time to time to may email id and cell number. Nice future investment and tax saving too.

Jayant

Sonipat, May 09, 2016

★★★★★

Wonderful Plan

I invest my money in tata aia traditional plan. The policy coverage is good ~86% and the claims are high. The premiums are low ~14 K quarterly per year. Paybacks are really very good Rs.41 L. Good investment and tax saver policy plan. The executives and staff members are behave well with fast service.

Nilesh

Durgapur, May 09, 2016

★★★★★

Perfect Policy Plan

Tata aia life insurance is one of the best insurance company. I took traditional insurance policy plan which provide me good service and high returns. The premiums are low and the policy coverage is high ~93% with high claims. The behaviour is good from executives and staff members. Good future investment.

Umakant

Hapur, May 09, 2016

★★★★★

Poor Plan

I purchase tata aia traditional policy plan. The policy coverage is low that is 71% and the claim is around 31 L. Service is bit slow, please improve your services for better performance. The web service is also slow. The policy is not good for long term investment and the tax rate cutter has low percentage. Please improve the terms and conditions for better results.

Manish

Siliguri, May 09, 2016

★★★★★

I Like It

I have traditional insurance policy plan which i buy from tata aia life insurance. The policy coverage is 92% and the claims are good. The premiums are low and the claiming process is easy and sanctioned in short time period. The policy is good future investment and it saves taxes too. I like the policy.

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Tata AIA Investment Plans

Investment Plans

Tata AIA Top Investment Plan List

What are Tata AIA Investment Plans?

Details of the Best Tata AIA ULIP Plans

Tata AIA Smart Sampoorna Raksha

Tata AIA Fortune Pro

Tata AIA Wealth Maxima

Tata AIA Fortune Guarantee

Tata AIA Wealth Pro

Tata AIA Fortune Maxima

Details of the Best Tata AIA Traditional Plans

Tata AIA Fortune Guarantee Supreme

Tata AIA Fortune Guarantee Plus

Tata AIA Guaranteed Return Insurance Plan

Conclusion

FAQs

What are the different types of Tata Investment Plans?

What are the benefits of investing in a Tata AIA Investment Plan?

Which plan is right for me?

Can I withdraw money from my Tata AIA Investment Plan?

Investment plans articles

Tata AIA Traditional Plans Reviews & Ratings