Buy Term Plan EXTRA 2.5% FESTIVE OFFER
Term Insurance Calculator
₹ 1 Crore Term Insurance
Term Plan With Return of Premium
Term Plan + Market-linked Returns
ULIP Plans NEW FUND OFFER
Market-linked Returns + Term Plans
Term Insurance for NRI
Investment Plans for NRI
Life Insurance Plans for NRI
Retirement Plans for NRI
Gift an Annuity to your Parents
Term + Wealth Plans NFO
Retirement/Pension Plans
Savings + Wealth Plans
Group Insurance Plans
Tata Employee Offers
Secure the financial future of your loved ones with our term insurance plans.
Tata AIA UPTO 18.5% + 2.5% FESTIVE OFFER
Sampoorna Raksha Promise
Maha Raksha Supreme Select
Tata AIA Exclusively for women
Protect your family with a higher life cover with the opportunity to grow wealth .
Param Raksha Life Pro +
Param Raksha Life Pro
Param Raksha Life Maxima +
Shubh Invest Protect
Guaranteed tax-free saving solutions to financially prepare for important life goals.
Tata AIA Best-seller
Fortune Guarantee Plus
Shubh Flexi Income Plan
Smart Value Income Plan
Fortune Guarantee Secure
Trusted Unit-Linked Insurance Plans to grow wealth with top rated funds
I Systematic Insurance Plan
Smart Sampoorna Raksha Supreme
Explore a Fund-Based Investment Journey
Retirement planning solutions with guaranteed pension for your second innings.
Smart Pension Secure
Fortune Guarantee Pension
Shield yourself from the financial strain of an unforseen illness with our Health Plans.
Sampoorna Care – Cancer
Sampoorna Care – Cancer Fund
Combination of capital guarantee with growth opportunity through market-linked returns
Capital Guarantee & Immediate Income Solution
Capital Guarantee Solution
Capital Guarantee & Income Solution
Group Sampoorna Raksha Supreme
Group Micro Raksha Supreme
Enhance your coverage with optional riders
Non-Linked Comprehensive Protection Rider
Benefit Protection Rider
Vitality Protect Plus
Vitality Health Plus
Linked Comprehensive Protection Rider
Life Protect Supreme (USD Denominated)
Tata AIA Shubh Global Invest
Servicing Philosophy
Online Premium Payment
Set Standing Instructions
Locate Nearest Branch
Update Mobile Number
Raise Service Request
Open/Link e-Insurance Account
Add Rider to your existing policy
Check Unclaimed Funds
Login to My DigiAccount
Download Tata AIA App
Account Holder Statement
Unsolicited Communication
Voice of Happy Customers
Register/Download ABHA
Share a Compliment/Feedback
Have query on premium, payout or any servicing need?
Dedicated NRI Helpdesk:
Monday - Saturday | 10 am - 7 pm IST Call charges apply
Want to buy a new policy online?
For Indian Residents
All Days | 8 am - 11 pm IST
Give missed call for a call back:
All Days | 9 am - 9 pm IST
FOR NEW POLICY (NRIs)
Exclusively for NRIs
Data charges may apply
Available All Days | 24 x 7
Note: Consent is provided to Tata AIA Life Insurance Company Limited to contact you by calling/giving missed call to the above numbers.
This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.
Tata AIA Life Insurance Co. Ltd will send you updates on your policy, new products & services, insurance solutions or related information. Select here to opt-in.
Thank you for sharing your details. To receive a call from Tata AIA Financial Advisor.
reCAPTCHA is not working.
No relevant search results found.
Continue from where you left of
Term Insurance AWARD WINNING
View All Term Insurance Plans
View All Investment Plans
Param Raksha Life Pro + Best Seller
Shubh Invest Protect New
Capital Guarantee & Immediate Income Solution New
Tata AIA Life Protect Supreme (USD Denominated)
ULIP Calculator New Fund Offer
Retirement & Pension Calculator
Compound Interest Calculator
Human Life Value Calculator
View All Calculators
Bonus & Dividend Performance
Tata AIA New Fund Offers (NFO)
Single Premium Term Insurance
2 Crore Term Insurance
Claim Settlement Ratio
Term Insurance Benefits
Awards & Recognition
Corporate Social Responsibility
Planning for retirement early gives your savings more time to grow. It can make future financial goals easier to ... Read more manage. The 35 year retirement plans encourage disciplined, long-term investing, so you can gradually build a retirement corpus while balancing other life priorities. Staying committed throughout the journey allows compounding to work over decades, helping you prepare for a financially independent retirement with confidence. Read less
Your premium calculation is in progress
Kindly enter the OTP sent to
Please enter valid OTP
Technical issue detected please continue without OTP verification
In this policy, the investment risk in investment portfolio is borne by the policyholder.
Build Wealth Today for a Worry-Free Tomorrow
13.49% 5-yr returns 1 (Benchmark: 8.71%)
Zero premium allocation charges
Withdraw fund for emergencies 2
1 13.49% is the 5-year CAGR of Future Equity Pension Fund as of June’26. Past performance is not indicative of future performance. Returns are illustrative only and not guaranteed. T&C Apply.
Buy Your Retirement plan
A 35 year retirement pension plan is a long-term retirement solution designed to help you accumulate a retirement corpus over 35 years through regular or lump-sum contributions. The accumulated amount can later be used to generate retirement income, depending on the plan's payout structure and applicable terms.
Starting early gives your investments more time to benefit from compounding, where returns may generate additional returns over the long term. Using a pension calculator before investing can help estimate the retirement corpus required based on your age, expected retirement income, contribution amount, and investment horizon. This allows you to plan systematically and review your progress as your financial goals evolve .
A 35 year retirement plan generally has two stages: the accumulation phase and the payout phase. During the accumulation phase, you contribute regularly over 35 years. Depending on the plan, these contributions may earn guaranteed additions or market-linked 3 returns, helping your retirement corpus grow gradually over time.
Once the policy reaches maturity, the payout phase begins. Based on the plan's features, you may receive a lump sum, regular pension payments, or a combination of both. Some retirement plans also allow the accumulated corpus to be used for purchasing an annuity that provides periodic income after retirement.
This is the period when you invest consistently throughout the policy term. Starting early gives your investments a longer duration to benefit from compounding, allowing your retirement corpus to grow steadily with disciplined contributions.
After the accumulation period ends, the corpus is used according to the policy terms. You may opt for a lump-sum withdrawal, regular pension income, or both, depending on your retirement requirements and the available payout options.
Suppose Rohan starts a 35 year retirement pension plan at the age of 30 and contributes ₹10,000 every month until he turns 65. Throughout these 35 years, his investments continue to grow based on the returns generated under the chosen plan. At maturity, he has accumulated a sizeable retirement corpus, which he may use to receive regular pension income, withdraw a lump sum, or combine both options according to the plan's provisions and his financial needs.
Choosing a 35 year retirement plan gives your investments sufficient time to grow while helping you prepare for long-term financial needs. Here are some key benefits to consider:
Starting early allows your investments to remain invested for decades. Over time, compounding can significantly increase the value of your retirement corpus compared to investing later in life.
A longer investment horizon gives you more time to accumulate wealth through regular contributions. Even moderate investments made consistently over 35 years can contribute towards a sizeable retirement fund.
Many retirement plans offer different payout options at maturity. Depending on the policy terms, you may choose a lump-sum withdrawal, regular pension payments, or a combination of both to suit your retirement needs.
Eligible retirement plans may offer tax* benefits under the applicable provisions of the Income Tax Act, subject to prevailing tax laws and the tax regime selected. Understanding the taxation of retirement income is equally important while planning withdrawals after retirement.
Long investment horizons generally reduce the impact of short-term market volatility. If your retirement plan includes market-linked 3 investments, remaining invested for several decades may help smooth fluctuations over time.
A 35 year retirement pension plan encourages regular investing over the long term. Treating retirement contributions as a fixed financial commitment can help maintain consistency despite changing financial priorities.
Building a retirement corpus gradually can help create a dependable source of post-retirement income. This may reduce financial dependence during retirement and provide confidence while managing future living expenses.
A 35 year retirement plan encourages you to prioritise retirement alongside other financial goals instead of postponing it until later in life. Beginning early gives you a longer investment horizon, making it easier to build a retirement corpus gradually while managing changing financial responsibilities.
Long-term planning also promotes financial discipline. Treating retirement contributions as a regular commitment rather than an optional investment can help you stay consistent despite career changes, lifestyle expenses, or other milestones.
Depending on your financial goals, you can explore different retirement savings plans that align with your preferred level of risk, investment horizon, and expected retirement income. Similarly, comparing various retirement investment options allows you to diversify your retirement strategy instead of relying on a single asset class.
Your investment horizon also plays an important role when selecting a suitable plan. If you have a shorter timeline, you may compare a 5 year retirement plan to understand near-term retirement strategies. On the other hand, individuals who start even earlier may consider a 40 year retirement plan, where the additional years of compounding can contribute to a larger retirement corpus.
Before making a decision, it is useful to estimate your future retirement needs using a Pension Calculator. Reviewing factors such as expected expenses, retirement age, inflation, and planned contributions can help you choose a retirement plan that supports your long-term financial objectives.
Choosing the right 35 year retirement plan involves more than starting early. Reviewing the following factors can help you select a plan that matches your long-term financial goals.
The 35 year retirement plans provide a structured approach to building long-term financial security through disciplined investing and the potential benefits of compounding. Starting early allows you to spread contributions over a longer period while preparing for future retirement needs. Before choosing a plan, assess your retirement goals, financial capacity, expected expenses, and preferred payout options. Planning carefully today can help you build a retirement corpus that supports your financial needs in the years ahead.
The amount depends on your retirement goals, expected lifestyle, and future expenses. As a general guideline, many individuals aim to save around 10–15% of their annual income, though your ideal amount may vary.
One commonly discussed approach is the 4% withdrawal rule, where a small portion of the retirement corpus is withdrawn annually to help balance regular income needs with long-term sustainability.
A diversified portfolio that includes equity, debt, and other suitable investment options based on your risk appetite may help balance long-term growth with risk management. Reviewing your portfolio periodically can also help keep it aligned with your retirement goals.
The linked insurance product do not offer any liquidity during the first five years of the contract. The policy holder will not be able to surrender/withdraw the monies invested in linked insurance products completely or partially till the end of the fifth year.
Tata AIA Smart Pension Secure (UIN: 110L182V09) - Non-Participating, Unit Linked, Individual Life Insurance Pension Plan
1 5-year computed NAV for Future Equity Pension Fund as of June 2026. Other funds are also available. Benchmark of this fund is Nifty 50.
2 Partial withdrawals only available 3 times during the entire policy term and only for reasons specified in IRDA Regulations as amended from time to time
3 Market-linked returns are subject to market risks and terms & conditions of the product. The assumed rate of returns or illustrated amount may not be guaranteed and depends on market fluctuations.
*Income 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 implication mentioned anywhere in this document. Please consult your own tax consultant to know the tax benefits available to you.
The premium paid in Unit Linked Life Insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions. The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns. On survival to the end of the policy term, the Total Fund Value including Top-Up Premium Fund Value valued at applicable NAV on the date of Maturity will be paid.
The fund is managed by Tata AIA Life Insurance Company Ltd. (hereinafter the “Company”). Tata AIA Life Insurance Company Limited is only the name of the Insurance Company & Tata AIA Smart Pension Secure is only the name of the Unit Linked Life Insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns.
The fund is managed by Tata AIA Life Insurance Company Ltd. For more details on risk factors, terms and conditions please read Sales Brochure carefully before concluding a sale. The precise terms and condition of this plan are specified in the Policy Contract.
Past performance is not indicative of future performance. Returns are calculated on an absolute basis for a period of less than (or equal to) a year, with reinvestment of dividends (if any).
Investments are subject to market risks. The Company does not guarantee any assured returns. The investment income and price may go down as well as up depending on several factors influencing the market.
Please make your own independent decision after consulting your financial or other professional advisor.
Tata AIA Life Insurance Company Limited is only the name of the Insurance Company & Tata AIA Smart Pension Secure is only the name of the Unit Linked Life Insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns
Unit Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factors. Please know the associated risks and the applicable charges, from your Insurance Agent or Intermediary or Policy Document issued by the Insurance Company.
Various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns. Premium paid in Unit Linked Life Insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions.
The investment income and price may go down as well as up depending on several factors influencing the market. Please know the associated risks and the applicable charges, from your Insurance Agent or the Intermediary or Policy Document issued by the Insurance Company. Please make your own independent decision after consulting your financial or other professional advisor. Returns are calculated on an absolute basis for a period of less than (or equal to) a year, with reinvestment of dividends (if any). All investments made by the Company are subject to market risks. The Company does not guarantee any assured returns.
The performance of the managed portfolios and funds is not guaranteed, and the value may increase or decrease in accordance with the future experience of the managed portfolios and funds. The solutions are underwritten by Tata AIA Life Insurance Company Limited.
Premium paid in the Unit Linked Life Insurance Policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the Insured is responsible for his/her decisions.
Please know the associated risks and the applicable charges, from your insurance agent or the Intermediary or policy document issued by the Insurance Company.
This product is underwritten by Tata AIA Life Insurance Company Ltd.
The plan is not a guaranteed issuance plan, and it will be subject to company’s underwriting and acceptance.
For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale. The precise terms and condition of this plan are specified in the Policy Contract.
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.
L&C/Advt/2026/Aug/4879