Smart Fortune Plus

What this product is

A flexible ULIP offered in four benefit structures (Wealth Secure, Future Secure, Goal Secure, Family Secure) so you can pick how death benefits are paid out — lump sum, continued investing, or ongoing income — alongside market-linked fund investing.

You might need this if…

• You want to choose how your family is protected on your death — a straight payout, continued fund growth with premiums waived, or a monthly income stream — rather than a single fixed structure.
• You want a plan that can run for a whole lifetime: this plan supports whole-life-style coverage under its Wealth Secure option.
• You're comparing 60+ fund options across equity, balanced, fixed income, index, and pension-oriented funds, and want a plan with broad fund choice.
• You want fee-free flexibility — no charges for fund switching or partial withdrawal, and no discontinuance charge on the top-up premium portion.
• You want extra allocation boosts for being a higher-premium payer (High Premium Booster) or a female policyholder (Smart Lady Benefit), which add a bit of extra unit allocation over the term.

How it actually works

• Pick one of four structures at purchase: Wealth Secure (whole-life cover, maturity paid if you're alive), Future Secure (on death, insurer funds future premiums and the fund keeps growing for the family), Goal Secure (death benefit plus continued fund value), or Family Secure (monthly income of about 1% of sum assured to the family, with the insurer funding further premiums).
• Premiums can be paid single, annual, semi-annual, quarterly, or monthly; top-up premiums (minimum ₹1,000) are also allowed.
• Money is invested in your chosen mix from 60+ funds; loyalty additions of about 0.20% of units are credited annually starting from the 11th policy year.
• Female policyholders get an extra 0.50% of annualised premium (0.25% of single premium) added to allocation in year one; higher annual premiums (₹50k+, ₹1.2L+) unlock an additional 0.25-0.50% allocation booster.
• At maturity, you (or the plan structure you chose) receive the fund value including any top-up fund value, valued at the prevailing NAV.
• If you stop paying premiums after the lock-in, the policy can continue as reduced paid-up, with mortality charges applied only to the reduced sum assured.

The tiers

Option	What happens on death
Wealth Secure	Policy ends; nominee gets death benefit; no further premiums
Future Secure	Insurer pays future premiums; fund keeps growing for family; maturity value paid later
Goal Secure	Nominee gets death benefit plus the fund value continues to accumulate
Family Secure	Family gets ~1% of sum assured monthly; insurer funds further premiums; maturity value paid later

Worth knowing before you decide

• The four options materially change what your family receives and when — 'Family Secure' trades a lump sum for ongoing monthly income, which suits some households and not others; understand the trade-off before choosing.
• 5-year ULIP lock-in and market-linked, non-guaranteed returns apply as with any ULIP.
• Loyalty additions and boosters only kick in from certain years or premium tiers — don't assume you'll automatically get the maximum booster percentage.
• The exact PDF brochure couldn't be opened directly during this research (Tata AIA blocks automated downloads); details are drawn from the insurer's product page and rider/UIN references found via a licensed aggregator — confirm current terms 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

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