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Tata AIA Life Insurance Fortune Guarantee

Non Linked Non Participating Endowment Assurance plan

UIN: 110N120V02

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 prepare yourself to face the same.

In this endeavour, 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.


Tata AIA Life Insurance Fortune Guarantee Features

  • Guaranteed Maturity Benefit* that varies from 125% to 161% of Total Premiums Paid.
  • Flexible Policy Term of 10, 11 and 12 years and paying term of just 5 years
  • Life Cover 10 times of the Annualised Premium
  • Higher benefits for female lives
  • Option to enhance protection through Rider1
  • Tax benefits u/s 80C & 10(10D) of the Income-Tax Act, 19612
  • *Guaranteed Maturity Benefit is "Maturity Sum Assured" which is equal to Maturity Benefit Factor multiplied by Total Premiums Paid, where Maturity Benefit Factor varies as per the gender, Annualised Premium band, Policy Term & entry age.


Tata AIA Life Insurance Fortune Guarantee Eligibility

Eligibility Criteria:
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) 65/66/67 years
Policy Term 10/11/12 yrs
Premium Payment Term 5 yrs
Premium Provisions:
Premium Mode Annual/Semi-annual/Quarterly/Monthly  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%).
Min Annualised Premium Rs. 50,000 (Premium will be allowed in multiple of Rs. 100)
Max Annualised Premium Unlimited, subject to underwriting
Sum Assured Provisions:
Basic Sum Assured 10 times annualized 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.


  • 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 cover is available under this product
  • 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.
  • For more details on risk factors, terms and conditions, please read sales brochure carefully before concluding a sale
  • 1Riders 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 Accidental Death and Dismemberment (Long Scale) (ADDL) Rider (UIN: 110B028V01), Tata AIA Life Insurance Waiver of Premium Plus (WOPP) Rider (UIN: 110B029V01) and Tata AIA Life Insurance Term Rider (UIN: 110B030V01) are available under this plan.
  • 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.
  • 2Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfillment of conditions stipulated therein. Tata AIA Life Insurance Company Ltd does not assume responsibility on tax implication mentioned anywhere in this document. Please consult your own tax consultant to know the tax benefit available to you.
  • 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, recover the amount of any applicable tax or imposition, levied by any statutory or administrative body, from the benefits payable under the Policy

Tata AIA Life Insurance Company Ltd.(IRDA of India Regn. No.110) CIN No. U66010MH2000PLC128403; Registered & Corporate Office: 14th Floor, Tower A, Peninsula Business Park, Senapati Bapat Marg, Lower Parel, Mumbai – 400013. Trade logo displayed above belongs to Tata Sons Ltd and AIA Group Ltd. and is used by Tata AIA Life Insurance Company Ltd under a license. For any information including cancellation, claims and complaints, please contact our Insurance Advisor / Intermediary or visit Tata AIA Life’s nearest branch office or call 1-860-266-9966 (local charges apply) or write to us at Visit us at: or SMS 'LIFE’ to 58888. L&C/Advt/2018/Mar/131



IRDAI 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. 1 Lakh 4 %
  • Daily balance above Rs. 1 Lakh & upto (& including) Rs. 10 Lakhs 5 %
  • Daily balance above Rs.10 Lakhs 6 %

  • Above 1 year 4 months to below 2 years 7.25 %
  • Indus Tax Saver Scheme - 5 years (upto Rs 1.5 lacs) 7.15 %
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