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Tata AIA Fortune Guarantee Secure

Tata AIA Fortune Guarantee Secure is a savings plan offering guaranteed* returns and life coverage to help you achieve your goals, whether it's extra income, funding your child’s education, or planning your dream family vacation. Choose when to start receiving benefits, either right away or later, based on your needs and timeframe.

Benefits at a glance

Get guaranteed income

Receive guaranteed* income from the very first month or year basis the plan chosen to effortlessly meet your financial needs.
Flexible Plan Options

Choose from 4 different plan options tailored to your financial goals.
Sub Wallet Feature

Grow your income and withdraw as needed with the flexibility of a sub-wallet¹.
Special Woman Discount

Get a 2% discount on the first year's premium for women customers.
Premium Offset Feature

Use your survival benefit payouts to cover your premium payments.
Tax Benefits

Enjoy tax²benefits on premiums paid and maturity benefit received, as per applicable tax laws.

*T&C apply

Plan Options

Choose from 4 different plan options tailored to your financial goals.

Regular Income: Receive regular income for an income term of your choice, tailored to suit your needs.

Regular Income (Return of Premium): In addition to regular income enjoy the benefit of receiving all the premiums paid back at the end of Policy Term.

Regular Income Plus: Receive regular income along with a lump sum benefit at the end of the Policy Term.

Early Income Plus: Enjoy instant income starting from 1st month/year, along with lump sum payout at the end of Policy Term.

Eligibility Criteria

Eligibility Criteria (Non-Pos)

Plan Parameters	Minimum	Maximum
Age at Entry³	30 days	65 years
Age at Maturity³	18 years	100 Years
Premium Payment Term (PPT)	5 Years	12 Years
Policy Term (PT)	Option 1 & 2: 5 Years Option 3: 10 Years Option 4: 15 Years	Option 1 & 2: 17 Years Option 3: 55 Years Option 4: 50 years
Basic Sum Assured	INR ₹ 24,000*Death Benefit Multiple	No Limit, subject to the Board Approved Underwriting Policy (BAUP)
Premium (Rs.) (excluding discount)	Rs. 24,000 p.a.	No limit, subject to the Board Approved Underwriting Policy
Premium Payment Mode	Annual / Half-yearly / Quarterly / Monthly
Income/Survival Benefit frequency	Annually / Half-yearly / Quarterly / Monthly in Advance and Arrears

Eligibility Criteria (POS)

Plan Parameters	Minimum	Maximum
Age at Entry³	30 days	55 years
Age at Maturity³	18 years	65 years
Premium Payment Term (PPT)	5 Years	12 Years
Policy Term (PT)	Option 1 & 2: 5 Years Option 3: 10 Years Option 4: 15 Years	Option 1 & 2: 17 Years Option 3 & 4: 20 Years
Basic Sum Assured	INR ₹ 24,000 * Death Benefit Multiple	Corresponding to a maximum Death Benefit of ₹ 25 lakhs
Premium (Rs.) (excluding discount)	Rs. 24,000 p.a.	Corresponding to a maximum Death Benefit of ₹ 25 lakhs
Premium Payment Mode	Annual / Half-yearly / Quarterly / Monthly
Income/Survival Benefit frequency	Annually / Half-yearly / Quarterly / Monthly in Advance and Arrears

³Any reference to Age is as on last birthday

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Frequently Asked Questions

When will I start receiving income from the plan?

You can choose to start receiving income immediately (from the first month or year) or at a later stage based on your financial needs and goals.

What is the Sub Wallet Feature?

The Sub Wallet¹ Feature allows you to grow your income and withdraw funds as needed, giving you greater flexibility to manage your finances.

How does the Premium Offset Feature work?

The Premium Offset Feature lets you use the survival benefit payouts to cover your premium payments, making it easier to manage your policy costs.

Is this plan suitable for long-term financial goals?

Yes, Tata AIA Fortune Guarantee Secure is designed for both short and long-term financial goals, providing dual benefit of life coverage and guaranteed* returns.

Disclaimer

Tata AIA Fortune Guarantee Secure - Individual, Non-Linked, Non-participating, Life Insurance Savings Plan (UIN: 110N206V03)
*Guaranteed returns in this plan depends on Age at Entry of life assured, Premium payment term, policy term, premium amount and plan option chosen. Guaranteed income shall be a % of Annualized Premium (before discount). Such Income shall be payable every year during Income Period as per the guaranteed chosen option.
¹The current loyalty addition rate on the Sub-wallet will be 4.05% compounding annually. This rate will be reviewed every six months (on 1st April & 1st October every year). At inception or any time during the policy term, as applicable, the policyholder can choose to receive full or part of his benefits into his ‘Sub-Wallet’. The Sub-wallet will earn a loyalty addition that will accrue daily.
²Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfillment of conditions stipulated therein. Income 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.
No Medical examination shall be required under POS variant of the product.
This product is underwritten by Tata AIA Life Insurance Company Ltd.
Insurance cover is available under this product.
This plan is not a guaranteed issuance plan, and it will be subject to Company’s underwriting and acceptance.
This plan is also available for sale through online mode.
This product brochure should be read along with Benefit Illustration.
Risk cover commences along with policy commencement for all lives, including minor lives. The policy shall vest in the life of the minor insured once he/she attains majority i.e. 18 years.
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.
In case of non-standard lives and on submission of non-standard age proof, extra premiums will be charged as per our underwriting guidelines.
All Premiums 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 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/2025/Apr/1818