Tata AIAULIPProtection + wealth structures
Fortune Pro
A ULIP offering life cover up to age 80 combined with market-linked investing across 11 fund options, aimed at buyers who want structured wealth-building with flexible premium payment terms.
Product data last fetched 26 August 2026. Features, premiums and availability may change — verify against the official brochure/policy wording before deciding.
The truth card
PurposeSavings — Linked (ULIP)
CategoryProtection + wealth structures
InsurerTata AIA
Life CoverNot available in the current product data
PremiumNot available in the current product data
Policy TermNot available in the current product data
Premium-Paying TermNot available in the current product data
GuaranteeNot available in the current product data
Market ExposureYes — fund-value linked
LiquidityNot available in the current product data
Lock-in5 years (statutory minimum for ULIPs)
ChargesNot available in the current product data
Maturity BenefitNot available in the current product data
Death BenefitNot available in the current product data
SurrenderNot available in the current product data
Paid-upNot available in the current product data
Tax NotesDepends on policy structure, premium amount, issue date and applicable tax law — see our tax notes
XIRRNot available in the current product data
What this product is
A ULIP offering life cover up to age 80 combined with market-linked investing across 11 fund options, aimed at buyers who want structured wealth-building with flexible premium payment terms.
You might need this if…
- You want life cover that runs long (up to age 80) alongside an investment component, rather than buying term and mutual funds separately.
- You want to choose between paying once (single pay) or over a limited number of years, rather than being locked into paying for the entire policy term.
- You want a moderate, curated set of fund choices (11 options) rather than being overwhelmed by dozens of funds.
- You're comfortable investing a meaningful amount upfront — minimum premium is around ₹1 lakh single pay or ₹50,000/year for regular/limited pay — for a more substantial investment-linked policy.
- You want optional riders (accidental death, waiver of premium among them) layered on top of the base cover.
How it actually works
- Entry age 0 (30 days) to 59 years; maturity age 18-75; policy term 15-40 years.
- Minimum premium: about ₹1 lakh for single pay, or ₹50,000/year for regular or limited pay.
- Premiums are invested across your choice of the plan's 11 fund options; loyalty additions are credited periodically to boost the fund value over time.
- Partial withdrawals are permitted after you've completed 5 policy years, subject to plan rules.
- On death, the nominee typically receives the higher of sum assured or fund value (standard ULIP structure); at maturity, you can take the payout as a lump sum or in instalments.
- Tax benefits apply under Section 80C (premiums) and Section 10(10D) (proceeds), subject to prevailing tax law and premium-to-cover ratio conditions.
The tiers
| Parameter | Detail |
|---|---|
| Entry age | 0 (30 days) - 59 years |
| Policy term | 15-40 years |
| Minimum premium (single pay) | ~₹1,00,000 |
| Minimum premium (regular/limited pay) | ~₹50,000/year |
| Fund options | 11 |
Worth knowing before you decide
- 5-year lock-in applies before any withdrawal or surrender, standard for ULIPs in India.
- Minimum premiums here are meaningfully higher than many other Tata AIA ULIPs (like Smart SIP or Premier SIP), making this a higher-ticket product.
- Returns are market-linked and not guaranteed; loyalty additions and other boosters have specific eligibility years/tiers — check the payout schedule rather than assuming immediate benefit.
- The official brochure PDF link provided couldn't be opened directly during this research due to the insurer's site blocking automated PDF access; figures are cross-checked against the insurer's product page and an aggregator summary.