Shubh Invest Protect

What this product is

A newly launched Tata AIA 'Term + Wealth' plan — confirmed as listed on the insurer's own site alongside Param Raksha Life Pro+ and Maxima+ — combining life cover with market-linked investing; detailed terms weren't publicly retrievable at the time of this research.

You might need this if…

• You're comparing Tata AIA's 'Term + Wealth' plan family (alongside Param Raksha Life Pro+/Maxima+) and want to know Shubh Invest Protect exists and roughly where it sits — a bundled protection-plus-investment plan rather than a pure term or pure ULIP.
• You want high life cover with an opportunity to grow wealth in the same policy, which is how Tata AIA's own site describes this product category.
• You're doing early research before requesting a personalised illustration from an advisor or the insurer directly.

How it actually works

• Category-typical mechanics for this family of plans: pay premiums, a portion covers life insurance charges, and a portion is invested in market-linked funds you select.
• Expect a death benefit (lump sum and/or fund value to your nominee) and a maturity benefit (accumulated fund value) — the exact formula for this specific plan could not be confirmed.
• Like sibling plans in this family, likely features could include free fund switching, optional riders, and a 5-year lock-in — but these are typical-for-category assumptions, not confirmed facts about this plan.
• As a plan positioned in the 'Term + Wealth' family, it likely sits between a pure term plan (cheaper, protection-only) and a pure ULIP (investment-first) — but the exact balance for this plan couldn't be verified.

Worth knowing before you decide

• Tata AIA's site confirms this plan exists and is tagged 'New' under Term + Wealth plans, but the dedicated product page did not return specific eligibility, premium, or charge details during this research, and the official brochure is not publicly downloadable without a lead form.
• Do not rely on the 'how it works' bullets above for exact numbers — get the current brochure/illustration directly from Tata AIA or a licensed advisor.
• Being newly launched, terms and even the exact structure could still be evolving — always check the latest version before buying.

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 ulips explainer → · See all ulip products →