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TATA AIA Smart Fortune Plus
Get life cover up to 100 years of age 11
Receive extra allocation with Smart Lady benefit and high premium booster
Enhanced Coverage with Waiver of Premium Benefit¹
In this policy, the investment risk in investment portfolio is borne by the policyholder.
Buu your Investment Plan
Tata AIA Smart Fortune Plus offers you the dual benefits of wealth creation potential and life insurance protection. This plan offers numerous benefits, like whole life coverage, flexible withdrawals to help your wealth grow. The unique plan supports you to work towards long-term financial goals while securing your family’s future.
Enjoy uninterrupted life insurance coverage up to 100 years of age 11 so that you need not worry about the financial security of your family.
Policyholders get an extra allocation on their first-year premium: 0.25% for annual premiums between ₹50,000 and ₹1,19,999, and 0.5% for premiums of ₹1,20,000 and above, on Limited/Regular pay policies.
Women policyholders benefit from an additional allocation: 0.25% for single-pay and 0.5% for limited/regular pay policies, helping them build a wealth over a period.
Your investment can be boosted with loyalty additions 8 and maturity booster 10 as an incentive for staying consistently invested in the plan over the investment period. These additions add to the total corpus in your fund to boost your wealth plan.
Enjoy potential tax 2 benefits on your premiums paid under applicable income tax laws, allowing you to save money while growing your wealth.
Incorporate wellness into your financial plan by availing Tata AIA Vitality Wellness program 3 . It offers potential discounts 4 on first year rider premiums, complimentary health check-ups, and other valuable benefits based on your healthy lifestyle choices.
Returns as of '26 . Fund ratings by Morningstar as of July'26.
After the lock-in period ends, you can choose a withdrawal option that best fits your financial goals. Here are some withdrawal options available with Tata AIA Smart Fortune Plus.
Stay in control by withdrawing a set amount or a certain percentage of your fund value at regular times.
Prioritize growth by setting a target growth rate for your investment. If your investment grows more than this rate, the extra amount will be given to you as a payout, subject to the applicable terms and conditions.
Link your withdrawals to market performance by choosing an index as a benchmark. If your fund value grows more than the selected index, the excess amount can be withdrawn as per the policy terms.
Limited Pay: 6 years
Regular Pay: 10 years
Limited Pay – 5 to 20 years
Regular Pay – 10 to 50 Years
Premium Payment Mode
Single, Annual, Semi-Annual, Quarterly, Monthly
Wealth Secure and Goal Secure – 30 days for Single Pay/Limited Pay/ Regular Pay
Future Secure and Family Secure –18 years for Limited Pay/ Regular Pay
Up to age 49 Single Pay – 1.25 X Single Premium Limited Pay/ Regular Pay – 7 X Annualised premium
Age 50 & above Single Pay –1.10X Single Premium Limited Pay/ Regular Pay – 5 X Annualised premium
Minimum Maturity Age
Wealth Secure and Goal Secure - 18 years Future Secure and Family Secure - 24 years
Age as on last birthday Definition:
Single Pay: Pay the complete premium amount once at the start of the policy.
Limited Pay: Pay premiums over a specified, shorter period, while enjoying policy benefits for the complete policy term.
Regular Pay: Pay your premiums regularly as per the option selected (Single, Annual, Semi-Annual, Quarterly, Monthly), throughout the entire policy term.
Families Protected 7
Presence across major cities in India
Flexibility to choose premium payment mode as per convenience
Payments for Savings Plans
Assets Under Management (AUM) 6
Explore four distinct Smart Fortune Plus plan variations to align with your goals, that is, Wealth Secure, Future Secure, Goal Secure, and Family Secure. Based on the plan options selected, estimate potential returns based on your chosen plan and investment horizon.
Decide on the investment term (duration) that best suits your needs. Then, select your preferred premium payment method - Single, Regular, or Limited.
Choose a premium amount within the minimum and maximum limits for your selected plan option. Utilize the available Smart Fortune Plus Funds to build a diversified portfolio based on your risk tolerance. Consider consulting a financial advisor to determine the most suitable investment strategy for you.
Our experts are happy to help you!
Frequently Asked Questions
What is the best time to invest in a ULIP like Tata AIA Smart Fortune Plus?
You should start investing in a ULIP plan as early in your life as possible. Well-designed plan like Tata AIA Smart Fortune Plus allows you to:
Why are Smart Investment Plans like Tata AIA Smart Fortune Plus important?
Smart Investment Plans offer a combination of benefits:
Investment opportunities : Invest in a variety of funds based on your risk tolerance to potentially achieve your financial goals.
Market-linked returns : Your returns are linked to the market performance 5 , offering the potential for higher returns compared to traditional savings plans.
Life insurance coverage : Provides financial security for your loved ones in case of an unfortunate event.
Are minimum returns guaranteed with Tata AIA Smart Fortune Plus?
No, minimum returns are not guaranteed in Smart Fortune Plus funds or any other market-linked investment. The performance of your investment will depend on the chosen funds and market fluctuations. However, our fund managers work to give you the best possible returns on your investment.
When can I withdraw funds from my Smart Fortune Plus policy?
Partial withdrawals are allowed after a lock-in period of 5 years. You can withdraw a maximum of 25% of the fund value each policy year. After this period, you can utilize various systematic withdrawal options like SWP (Systematic Withdrawal Plan) or CWP (Chosen-rate Withdrawal Plan) to access your funds.
What is the minimum maturity age for the Smart Fortune Plus?
The minimum maturity age depends on the plan option you select:
Wealth Secure and Goal Secure - 18 years
Future Secure and Family Secure - 24 years
What riders 9 are available with the Smart Fortune Plus?
Tata AIA Smart Fortune Plus offers a variety of riders to customize your coverage. The below riders are available with this plan
Tata AIA Life Insurance Waiver of Premium (Linked) Rider 9 - Linked, Individual, Health Insurance Rider (UIN: 110A026V02)
Tata AIA Life Insurance Waiver of Premium Plus (Linked) Rider - Linked, Individual, Health Insurance Rider (UIN: 110A025V02) - Not available with Future Secure and Family Secure plan option
Tata AIA Life Insurance Accidental Death and Dismemberment (Long Scale) (ADDL) Linked Rider - Linked, Individual, Health Insurance Rider (UIN: 110A027V02)
TATA AIA OPD Care - A Linked, Non-Participating Individual Health Rider (UIN: 110A166V02)
Tata AIA Life Insurance Linked Comprehensive Health Rider - A Non-Linked, Non- Participating Individual Health rider (UIN: 110A031V03 or any later version)
Tata AIA Life Insurance Linked Comprehensive Protection Rider - A Non-Linked, Non- Participating Individual Health rider (UIN: 110A032V03 or any later version)
Tata AIA Vitality Health Plus - A Non-Linked, Non- Participating Individual Health rider (UIN: 110A047V02 or any later version)
Tata AIA Vitality Protect Plus - A Non-Linked, Non- Participating Individual Health rider (UIN 110A048V03 or any later version)
Tata AIA Sampoorna Health - A Non-Linked, Non-Participating Individual Health Rider (UIN: 110A167V02)
What documents are required to file a claim under the Smart Fortune Plus?
Some of the documents required are Claim form, Death certificate, photo identification proof of claimant, etc. to find the complete list please click here .
How can I file a claim under the Smart Fortune Plus?
You can file a claim with Tata AIA Life Insurance through various channels:
Email : [email protected]
Phone : 1860-266-9966
Branch Visit : Locate a branch near you .
Mail : Write directly to this address -
The Claims Department,
Tata AIA Life Insurance Company Limited
15th Floor, Centaurus,
Hiranandani Business Part,
Hiranandani Estate, Thane West,
Maharashtra, Pin code - 400607
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 Fortune Plus - Non-Participating, Unit Linked Individual Life Insurance Savings Plan (UIN: 110L177V01)
1 Waiver of premium is available only in Future Secure and Family Secure option under TATA AIA Smart Fortune Plus.
2 Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfillment of conditions stipulated therein. For ULIP policies, maturity income will be taxable if annual aggregate premium exceeds ₹2.5 Lakh in a financial year. For non ULIP insurance policies, maturity income will be taxable if annual aggregate premium exceeds ₹5 Lakh in a financial year. 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.
3 Tata AIA Vitality - A Wellness Program that offers you an upfront discount at policy inception. You can also earn premium discount / cover booster (as applicable) for subsequent years on policy anniversary basis your Vitality Status (tracked on Vitality app) Please refer rider brochures for additional details on health and wellness benefits.
4 On enrolling into the wellness Program, you get an upfront discount of 5% on first year premium for Accidental Death, Accidental Total & Permanent Disability, Accidental Disability Care Benefits and of 10% on first year premiums of the other benefit options. The rewards are offered on cumulative basis and in any year, the maximum rewards in view of both the upfront rewards and annual rewards together shall be 15% for Accidental Death, Accidental Total & Permanent Disability, Accidental Disability Care Benefits and 30% for all other benefit options. Discount is driven by accumulated points which is achieved through wellness status. Please refer policy document for more details.
5 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.
6 As on 31st March 2026, the company has a total Assets Under Management (AUM) of ₹145,589 Crore.
7 98,01,699 families protected till 31st May 2026.
8 Loyalty Additions will be credited only if Policy is in-force and all due premiums have been paid. For Regular Pay & Limited Pay, additional units @ 0.20% of units in each of the funds under Regular Premium Account will be credited (post deduction of applicable charges) to the respective funds every Policy Anniversary starting from eleventh (11th) Policy Anniversary till end of Policy Term. For Single Pay, additional units @ 0.35% of units in each of the funds under the Single Premium Account will be credited (post deduction of applicable charges) to the respective funds every policy anniversary starting from sixth (6th) Policy Anniversary till end of Policy Term. Loyalty Additions are not payable on Top-up Premium Account.
9 Riders 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 Waiver of Premium (Linked) Rider - Linked, Individual, Health Insurance Rider (UIN: 110A026V02), Tata AIA Life Insurance Waiver of Premium Plus (Linked) Rider - Linked, Individual, Health Insurance Rider (UIN: 110A025V02)- Not allowed to be attached under Future Secure and Family Secure, Tata AIA Life Insurance Accidental Death and Dismemberment (Long Scale) (ADDL) Linked Rider - Linked, Individual, Health Insurance Rider (UIN: 110A027V02),TATA AIA OPD Care (UIN: 110A166V02), Tata AIA Life Insurance Linked Comprehensive Health Rider - A Non-Linked, Non- Participating Individual Health rider (UIN: 110A031V03 or any later version), Tata AIA Life Insurance Linked Comprehensive Protection Rider - A Non-Linked, Non- Participating Individual Health rider (UIN: 110A032V03 or any later version), Tata AIA Vitality Health Plus - A Non-Linked, Non- Participating Individual Health rider (UIN: 110A047V02 or any later version), Tata AIA Vitality Protect Plus - A Non-Linked, Non- Participating Individual Health rider (UIN 110A048V03 or any later version),TATA AIA Sampoorna Health (UIN 110A167V02) are available under this plan.
10 An inforce policy with all due premiums paid will be eligible for fund booster on the date of maturity. Such fund boosters are defined as a percentage of the average of the Fund Value including Top-up Fund Value, if any, on the last business day of the last eight policy quarters will be added to the Fund Value in the form of addition of units. These boosters will be allocated to the Fund(s) in the same proportion of the Fund Value on the maturity date. A percentage of the average of the Fund Values including Top-up Fund Value, if any, on the last business day of the last eight policy quarters will be added to the Fund value in the form of addition of units. Percentage is defined basis policy term and option chosen.
11 Maximum Maturity Age for 100 years is applicable for Option 1 - Wealth Secure. For Options - Future Secure, Goal Secure and Family Secure, the Maximum Maturity age is 85 years
Tata AIA Life Insurance Non-Linked Comprehensive Protection Rider - A Non-Linked, Non- Participating Individual Health Rider (UIN:110B033V04)
Tata AIA Vitality Health (A Non-Linked, Non- Participating Individual Health rider (UIN:110B045V03)
Tata AIA Vitality Protect (A Non-Linked, Non- Participating Individual Health rider (UIN:110B046V04)
Tata AIA Life Insurance Waiver of Premium Plus (Linked) Rider - Linked, Individual, Health Insurance Rider (UIN:110A025V03)
Linked Insurance Products 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 Life Insurance Company Limited is only the name of the Insurance Company & Tata AIA Smart Fortune Plus 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.
To know more about the products, features, and eligibility, kindly visit our nearest branch or contact us at +91 22 6984 9300
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
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. The underlying Fund's NAV will be affected by interest rates and the performance of the underlying stocks.
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 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.
Please know the associated risks and the applicable charges, from your insurance agent or the Intermediary or policy document issued by the Insurance Company.
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.
The solution is underwritten by Tata AIA Life Insurance Company Limited. The solutions are not guaranteed issuance solutions and it will be subject to Company’s underwriting and acceptance.
Insurance cover is available under this product.
The products are 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 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 Fortune Plus 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. 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).
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.
Life insurance cover is available under the solution. For details on products, associated risk factors, terms and conditions please read Sales Brochure carefully before concluding a sale.
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, and recover the amount of any applicable tax or imposition, levied by any statutory or administrative body, from the benefits payable under the Policy.
This product is underwritten by Tata AIA Life Insurance Company Ltd.
L&C/Advt/2026/Sep/5346