Tata AIA Life Insurance Fortune Guarantee

Tata AIA Life Insurance Fortune Guarantee



Tata AIA Life Insurance is a Non-Linked, Non-Participating Endowment Insurance Plan.

At every stage of your life we have a milestone to achieve. Along with this we also carry the burden of any uncertainty happening & work towards being prepared to face the same. Life Insurance is the best way to protect our family from financial crisis in case of an unfortunate event and help us to fulfil our dreams.

“Tata AIA Life Insurance Fortune Guarantee” provides life insurance cover throughout the policy term for the financial security of your family and a guaranteed lump sum benefit on maturity to fulfil your future goals. You can also enhance protection cover with a wide range of riders.

Key Features

  • Guaranteed Maturity Benefit from 114% to 276%** of Total Premiums Paid

  • Flexible policy term of 10,11,12, 15 & 20 years to plan your future goals

  • Pay for just 5 or 10 years

  • 10 Times minimum life cover of annualized premium to protect your loved ones

  • Higher benefits for female lives

  • Option to enhance protection through riders

  • Tax benefits may be available u/s 80C & 10(10D) of the Income-Tax Act, 1961^

Eligibility Criteria:

Minimum Entry Age*

0 years

Maximum Entry Age*

65 years

Minimum Maturity Age*

18 years

Maximum Maturity Age*

85 years

* Age as on last birthday


Minimum Entry Age^

0 years

Maximum Entry Age^

65 years

Minimum Maturity Age^

18 years

Maximum Maturity Age^

85 years

Policy Term (PT)

10,11,12,15 and 20 years

Premium Payment Period (PPT)

5 Pay for PT 10,11,12 and 15

10 Pay for PT 20

Minimum Premium

Rs.50,000 p.a. (in multiples of 1,000)

Maximum Premium

No Limit (in multiples of 1,000)

Basic Sum Assured

10 Times of Annualized Premium

Premium Mode

Yearly | Half Yearly |Quarterly | Monthly


Survival Benefit:

There is no survival benefit in this plan.

Maturity Benefit

Maturity Sum Assured will be paid on maturity. The “Maturity Sum Assured” is equal to maturity benefit factor multiplied by Total Premiums Paid, where maturity benefit factor varies as per the policy term, gender, annualised premium band and entry age as mentioned in Annexure A (refer the product brochure).

Death Benefit:

In case of unfortunate event of the death of the insured; during the term of the policy, Sum Assured on death as defined below shall be payable.

Sum Assured on death” shall be the highest of the following:

  • Basic Sum Assured

  • 105% of the Total Premiums Paid

  • Maturity Sum Assured

Where, Basic Sum Assured is 10 times of the 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.

Total Premiums Paid" means amount equal to the total premiums paid during the premium payment term of the policy. Such amount should be excluding interest, tax, underwriting extra premiums and loading for modal premiums, if any.

Maturity Sum Assured” refers to the absolute amount of benefit which is guaranteed to become payable on maturity of the policy.


HDFC Bank Limited (4621612) (IRDAI Registration No: CA0010) is the Corporate Agent of Tata AIA Life Insurance Company Limited and does not underwrite the risk or act as an insurer.

HDFC Bank Limited, HDFC Bank House, Senapati Bapat Marg, Lower Parel (West), Mumbai - 400 013. 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 HDFC Bank and the insured. ​​​​​​​

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

For any information including cancellation, claims and complaints, please contact our Insurance advisor or visit Tata AIA Life’s nearest branch office or call 1-860-266-9966 (local charges apply) or write to us at customercare@tataaia.com. Visit us at: www.tataaia.com or SMS 'LIFE’ to 58888. 
Tata AIA Life Insurance Company Limited (IRDAI Regn. No.110) CIN - U66010MH2000PLC128403 Registered & Corporate Office: 14th Floor, Tower A, Peninsula Business Park, Senapati Bapat Marg, Lower Parel, Mumbai – 400013. UIN: 110N120V04

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

  • IRDAI or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums.

  • IRDAI does not announce any bonus. Public receiving such phone calls are requested to lodge a police complaint along with details of phone call and number.