Capital Guarantee Solution

What this product is

A combo of a market-linked ULIP and a guaranteed non-linked savings plan sold together, letting you split money between locked-in capital protection and equity-linked growth potential.

You might need this if…

• You want part of your money in something growth-oriented (an equity-linked fund) and part in something capital-protected, without managing two separate purchases
• You're comfortable with a long entry window (roughly ages 18-50) and a multi-year premium commitment (7 or 10 years)
• You want the option to choose how much of your premium is capital-guaranteed (e.g., 80%, 90% or 100%) versus market-linked
• You want life cover that increases over the term as part of the package

How it actually works

• Combines a ULIP (e.g., a Fortune Pro / Wealth Pro style unit-linked plan) with a traditional guaranteed savings plan (e.g., a Smart Income Plus style plan) bought together
• Entry age typically 18-50; premium terms of 7 or 10 years, with policy terms around 15 or 21 years respectively
• You select a capital guarantee percentage (commonly 80%/90%/100% of total premiums) as the protected floor on the guaranteed leg
• The ULIP leg lets you choose among multiple funds; maturity value there depends purely on fund performance
• Partial withdrawals from the ULIP fund are generally allowed after an initial lock-in (commonly around 5 years)
• Death benefit provides increasing life cover across the term, split across the two underlying policies

Worth knowing before you decide

• The actual capital-guarantee percentage, surrender charges, and fund choices depend on which underlying products are bundled at the time you buy - always check the current benefit illustration
• The market-linked leg carries investment risk that you bear, not the insurer
• Two bundled policies mean two sets of charges and terms to track over the life of the combo
• This summary draws on third-party plan reviews rather than Tata AIA's own product page, which wasn't directly retrievable - verify specifics before purchase

Official source

Not available in the current product data — this insurer has not published a standalone brochure PDF for this plan; the notes above are drawn from their official product page instead.

Learn about this category

Read the full traditional life insurance explainer → · See all traditional savings products →