Fortune Pro

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.

Official source

⌟ Official product brochure

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