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UIN: 110N120V01

At every stage of your life you decide on a milestone to achieve. They come in forms like renovation of your house, an overdue vacation, marriage, child birth, child’s education or securing the golden years; the list is endless and increases with time. Along with this you also carry the burden of uncertainty and preparedness to face the same.

In this endeavor, you would want a plan which provides you the guarantee of a fixed amount that would be received in the near future, besides required protection for your family.

We at Tata AIA Life have come up with an ideal plan, Tata AIA Life Insurance Fortune Guarantee which is a Limited premium paying Non Linked Non Participating Endowment Assurance plan that offers you benefits of a savings product and protection for your family in case something unfortunate were to happen. This plan offers you Guaranteed Maturity Benefit with a short premium paying term. You can also enhance your protection cover by opting for a Rider.



  • Guaranteed Maturity Benefit* that varies from 138% to 159% of Total Premiums Paid
  • Easy to understand with the policy term of 10 yrs & premium paying term of 5 yrs
  • Simplified plan with Basic Sum Assured as 10 times of the Annualised Premium
  • Higher benefits for female lives
  • Option to enhance protection through rider
  • Tax benefits u/s 80C & 10(10D) of the Income-Tax Act, 1961

* Provided the policy is in force and all due premiums have been paid. Maturity Benefit depends on the entry age, gender and premium band


Plan Parameters  
Min Issue Age ( Age as on last birthday) 8 years
Max Issue Age ( Age as on last birthday) 55 yrs
Max Maturity Age ( Age as on last birthday) 65 years
Policy Term 10 years
Premium Payment Term 5 years
Premium Mode Annual/Semi-annual/Quarterly/Monthly 
Basic Sum Assured 10 times Annualised Premium “Annualised Premium” shall be the premium paid in a year with respect to the basic sum assured chosen by the policy holder, excluding the underwriting extra premiums and loading for modal premiums, if any.
Min Annualised Premium Rs. 50,000
Max Annualised Premium No Limit, Subject to Underwriting

You may choose to pay your premiums in Annual, Semi-annual, Quarterly or Monthly mode as per your convenience.

Modal loading is as follows:

Annual Premium Rate Multiply Annual Premium Rate by 1 (i.e. No loading).
Semi-Annual Premium Rate Multiply Annual Premium Rate by 0.51 (i.e. loading of 2%).
Quarterly Premium Rate Multiply Annual Premium Rate by 0.26 (i.e. loading of 4%).
Monthly Premium Rate Multiply Annual Premium Rate by 0.0883 (i.e. loading of 6%).

Increase / Decrease in Basic Sum Assured is not allowed.


  • The brochure is not a contract of insurance. The precise terms and conditions of this plan are specified in the policy contract available on Tata AIA Life website.
  • 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 total premium paid.
  • This product brochure should be read along with sales Illustration.
  • This product is underwritten by Tata AIA Life Insurance Company Ltd. This plan is not a guaranteed issuance plan and it will be subject to Company’s underwriting and acceptance.
  • Insurance is the subject matter of the solicitation.
  • Insurance cover is available under this product.
  • Rider is not mandatory and is 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/ branch.
  • In case of non-standard lives and on submission of non-standard age proof, extra premiums will be charged as per our underwriting guidelines.
  • Risk cover commences along with policy commencement for all lives, including minor lives.

INDUSIND Bank Limited (1749817)is the Corporate Agent of Tata AIA Life Insurance Company Limited and does not underwrite the risk or act as an insurer. INDUSIND Bank Limited, 2401, Gen. Thimmayya Rd., (Cantonment), Pune - 411001. Participation by the Bank’s clients in the insurance products is purely on a voluntary basis. The contract of insurance is between Tata AIA Life and the insured and not between the bank and the insured.

Beware of Spurious Phone calls and Fictitious/Fraudulent offers:
IRDA of India clarifies to public that

  • IRDA of India or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums.
  • IRDA of India does not announce any bonus. Public receiving such phone calls are requested to lodge a police complaint along with details of phone call, number.
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  • Daily balance upto Rs.10 Lakhs 4 %
  • Daily balance above Rs.10 Lakhs and upto Rs.1 Crore 5 %
  • Daily balance above Rs.1 Crore and upto Rs 10 Cr 5.5 %
  • Daily balance above Rs.10 Crore 6 %

  • 1 year to 1 year 2 months 7 %
  • Indus Tax Saver Scheme - 5 years (upto Rs 1.5 lacs) 6.5 %
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