In Unit Linked Insurance Policies, the investment risk is borne by the policyholder. These insurance products do not offer any liquidity in the first 5 years, as they have a mandatory lock-in period of 5 years. During this period, the policyholder cannot fully or partially withdraw the invested amount or surrender the policy.
Tata AIA ULIP Plans
TATA AIA Life ULIP plans are plans that provide the perfect blend of insurance coverage and market-linked investment potential in one convenient package. You can choose from various TATA AIA Life Unit Linked Insurance Plans according to your future financial goals.
Returns as on 13-11-2026. The returns are the returns of best-performing fund in the plan
Disclaimer : ˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s
insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar Insurance Brokers Private Limited does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.inRead MoreRead Less
Key Features of Tata AIA ULIP Plans
Dual Benefits
Like any ULIP Plan, these plans offer both insurance coverage and market-linked investment opportunities under a single product. The insurance component helps you secure your family financially even in your absence, and the market-linked investments help you grow your savings by maximising your returns.
Partial Withdrawals
After a lock-in period of five years, you can withdraw your money partially to meet your sudden financial needs and let the remaining amount be invested.
Fund Options
ULIP Plans provide you with the option to choose from a variety of funds to suit your needs based on your risk appetite and financial goals, where risk profile matching is key to selecting the best SIP plan.
Maturity Benefits
When the policy ends, the policyholder gets the accumulated fund value, including their investment and the market-linked returns.
Tax Benefits
Tata AIA ULIP plans offer tax benefits on premium payments under Section 80C and on the maturity fund value under Section 10(10D) of the Income Tax Act. Tax laws are subject to change.
Why Invest in India's Growth Story?
Long-term financial planning is steadily evolving as more investors seek opportunities that combine wealth creation with financial protection. According to AMFI data, India’s mutual fund industry AUM crossed ₹65 lakh crore in 2024, reflecting growing participation in market-linked financial products and increasing preference for disciplined long-term investing.
As financial goals become more diverse, covering retirement planning, children’s future, wealth accumulation, and family security, products that combine market-linked investment opportunities with life insurance cover have gained wider relevance among long-term investors.
Tata AIA ULIP plans support this approach through features such as multiple investment strategies, broad fund choice, return of charges, and long-term policy flexibility designed to adapt to changing financial priorities over time.
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How Much Historical Returns are Provided by the Plans?
Investment Scenario
Monthly Investment
₹22,000
Investment Duration
18 years
Exit Timeline
At Policy Maturity
Product Category
Market-Linked ULIP Plans
Scenario 1
Returns @ 4%
Plan name
Maturity Value
Growth %
Tata AIA Premier SIP
₹92.8 L
4%
Tata AIA Smart Sampoorna Raksha Supreme
₹90.4 L
4%
Tata AIA ISIP
₹88.9 L
4%
Tata AIA Smart Fortune Plus
₹86.7 L
4%
Tata AIA Fortune Pro
₹84.6 L
4%
Scenario 2
Returns @ 8%
Plan name
Maturity Value
Growth %
Tata AIA Premier SIP
₹1.72 Cr
8%
Tata AIA Smart Sampoorna Raksha Supreme
₹1.67 Cr
8%
Tata AIA iSIP
₹1.63 Cr
8%
Tata AIA Smart Fortune Plus
₹1.58 Cr
8%
Note: Past performance is illustrative. Actual returns depend on market conditions, fund choice, and economic cycles. Historical returns do not guarantee future performance.
Benefits of Tata AIA ULIP Plans
Long-Term Wealth Creation
Exposure to market-linked funds across equity, debt, balanced, momentum, thematic, and index-oriented allocations creates opportunities for long-term corpus accumulation.
Life Cover Alongside Investments
Tata AIA ULIP plans combine wealth creation with life insurance protection, with select variants offering high sum assured flexibility and whole life coverage options.
Flexible Investment Strategies
Select plans include Enhanced SMART, life-stage portfolio strategies, systematic fund transfers, and age-based investment allocation.
Smart Withdrawal Features
Certain plans provide Systematic Withdrawal Plan (SWP), Chosen-rate Withdrawal Plan (CWP), and Index-based Withdrawal Plan (IWP).
Broad Fund Choice with Switching Flexibility
Depending on the plan, policyholders may access up to 23+ investment funds, with switching and premium redirection facilities to realign portfolios.
Value Enhancement Features
Selected variants offer wealth boosters, loyalty additions, return of premium allocation charges, and refund of mortality charges.
Liquidity Through Partial Withdrawals
Eligible policyholders may access partial withdrawals after the lock-in period to support milestone-based or emergency financial needs.
List of Tata AIA ULIP Plans
Below are the Tata AIA ULIP plan variants designed for different investment preferences, protection needs, premium structures, and long-term financial goals.
ULIP Plan
Entry Age
Maximum Maturity Age
Premium Payment Term (PPT)
Policy Term (PT)
Minimum Premium (in Rs.)
Tata AIA Fortune Pro
Varies by option
Up to 100 years
Limited / Regular Pay
Flexible
Based on selected variant
View plan
Tata AIA Smart Fortune Plus
30 days to 65 years
Up to 100 years
Single / Limited / Regular Pay
Flexible
₹24,000 p.a. onwards
View plan
Tata AIA Smart Sampoorna Raksha Supreme
18 years to 65 years
Up to 100 years
Single / Limited / Regular Pay
20 to 82 years
Based on selected sum assured and premium mode
View plan
Tata AIA Premier SIP
18 years to 50 years
Up to 60–80 years
Limited Pay / Regular Pay
Up to 50 years
₹1,000 monthly onwards
View plan
Tata AIA iSIP
0 years onwards (varies by option)
Varies by selected term
Limited / Regular Pay
Long-term flexible tenure
Based on chosen option and premium mode
View plan
Invest More Get More!
YOU GET
₹ 1 Crore *
YOU INVEST
₹ 10K/ month
YOU GET
₹ 80 Lakhs *
YOU INVEST
₹ 8K/ month
YOU GET
₹ 50 Lakhs *
YOU INVEST
₹ 5K/ month
Details of Tata AIA ULIP Plans
Each Tata AIA investment plan follows a different approach to wealth creation, with variations in investment flexibility, life cover structure, withdrawal pathways, and long-term portfolio management features.
Tata AIA Premier SIP
EachTata AIA Premier SIP follows a different approach to wealth creation, with variations in investment flexibility, life cover structure, withdrawal pathways, and long-term portfolio management features.
Key Features of Tata AIA Premier SIP:
Waiver of Premium Benefit
In case of an unfortunate event, future premiums are waived off, keeping your plan active.
Zero Allocation Charges
Your entire premium is invested from day one, maximising your returns.
Health and Wellness
This investment plan offers doctor teleconsultations, preventive health check-ups, and discounted vaccinations through Health Buddy.
Smart Lady Benefit
Female policyholders receive an additional 0.5% allocation on their first-year premium, boosting their wealth creation.
Unlimited Fund Switching
You have complete control to switch between funds as often as you like, without any extra cost.
Tata AIA Smart Fortune Plus
Tata AIA Smart Fortune Plus provides the dual advantage of wealth creation and a whole-life insurance cover. This plan offers long-term financial security with benefits like high premium boosters and loyalty additions.
Key Features of Tata AIA Smart Fortune Plus:
High Premium Booster
The plan offers extra fund allocation for high-value annual premiums; 0.25% for annual premiums between ₹50,000 and ₹1,19,999, and 0.5% for premiums of ₹1,20,000 and above, on Limited/Regular pay policies. This extra allocation accelerates your wealth growth.
Whole-Life Cover
Enjoy life insurance protection up to 100 years of age, ensuring lifelong security for your family.
Fund Additions
Your investment is enhanced with loyalty additions and a maturity booster for staying invested consistently.
Smart Lady Extra Allocation
Women policyholders receive an additional 0.25% to 0.5% allocation, giving a boost to their wealth from the very first year.
Vitality Wellness Program
You can receive potential discounts and other benefits by making healthy lifestyle choices.
Tata AIA Smart Sampoorna Raksha Supreme
Tata AIA Smart Sampoorna Raksha Supreme plan offers a blend of high life insurance coverage and increased investment benefits. It is a comprehensive solution that helps you discover wealth while being well-protected.
Key Features of Tata AIA Smart Sampoorna Raksha Supreme:
Refund of Premium Allocation Charges:
Two times the total premium allocation charges are added to your fund value at specific policy years.
Cover Continuance Boosters:
Additional units are added to your fund value if it falls below a certain threshold to help maintain your cover.
Multiple Withdrawal Plans:
After the lock-in period, you can choose from various withdrawal strategies to generate a second income. Those three withdrawal plans:
Systematic Withdrawal Plan
Chosen-Rate Withdrawal Plan
Index Based Withdrawal Plan
Loyalty Additions:
Extra units are added to your fund value as a refund of mortality charges from the 11th policy year.
Maturity Payout Flexibility:
You have the option to receive the maturity benefit as a lump sum or through regular payments over a five-year period.
Riders for Additional Coverage:
To provide you with additional coverage, Riders can be included in the plan.
Tata AIA Fortune Pro
Tata AIA Fortune Pro is a linked unit investment plan that gives you greater control over your financial future. It is a reliable option for achieving long-term goals like buying a home or creating a legacy for your family.
Key Features of Tata AIA Fortune Pro:
Wealth Creation
A part of your premium is invested in funds of your choice to help you build a substantial corpus over time.
Long-Term Life Cover
Provides life insurance coverage up to the age of 80, securing your family for a significant duration.
Strategised Investment
You can align your portfolio with the Tata AIA Life Insurance Enhanced SMART strategy for structured growth in a volatile market.
Flexible Premium Options
This plan allows you to choose from various policy terms and premium payment tenures to suit your financial goals.
Waiver of Premium Riders
To give you extra coverage, you can add the following riders to your plan:
Tata AIA Accidental Death and Dismemberment (Long Scale) (ADDL) Linked Rider
Tata AIA Waiver of Premium (Linked ) Rider
Tata AIA Waiver of Premium Plus (Linked ) Rider
Tata AIA i Systematic Insurance Plan
Tata AIA i Systematic Insurance Plan is a Unit-Linked Insurance plan that provides a host of benefits, including flexible withdrawals and a wealth booster to help you achieve your life goals, such as securing your loved ones' financial future or planning for your child’s education.
Key Features of Tata AIA i Systematic Insurance Plan:
Wealth Booster
Your investment is supercharged with a wealth booster, helping you earn more on your investment.
Smart Lady Feature
Female policyholders get an extra allocation of 0.25% to 0.5% on their first-year premium, boosting their investment from the start.
Return of Mortality Charges
A unique feature where mortality charges are returned to your fund from the 121st policy month.
Second Income
After the five-year lock-in, you can generate a second income using various withdrawal strategies.
Loyalty Program Reward
Get Neu coins equivalent to a percentage of your first-year premium, available through the Neu pass loyalty program.
Tata AIA Smart SIP
Tata AIA Smart SIP combines the advantages of wealth creation with life insurance protection. This plan is designed for individuals who want to invest systematically while benefiting from strong market performance.
Key Features of Tata AIA Smart SIP:
Zero Allocation Charges
From the very first day, the whole premium given by you is invested, helping to maximise returns from the very beginning.
Top-Rated Funds
You can invest in a selection of funds that are consistently rated 4 or 5 stars by Morningstar.
Second Income Generation
The plan allows you to generate a second income after the lock-in period through flexible withdrawal options like SWP, CWP, and IWP.
Waiver of Premium
In case of an unforeseen event, future premiums are waived, ensuring your investment and financial goals remain on track.
Why Buy an Tata AIA ULIP Plans from Policybazaar?
Over 9 lakh customers have invested ₹12,400 Cr through Policybazaar
No hidden charges. All costs and returns are clearly disclosed
Certified advisors provide unbiased guidance based on your needs
IRDAI-regulated, ensuring advice is in the customer’s interest
What is the primary benefit of a Tata AIA ULIP Plan?
A Tata AIA ULIP Plan offers a dual benefit, combining life insurance protection for your family with the potential for wealth creation through market-linked investments.
How can a Tata AIA ULIP Plan help me with my long-term financial goals?
Whether an HDFC ULIP plan is good for 5 years depends on several factors, including your investment goals, risk tolerance, and the specific plan features.
Tata AIA ULIP Plans provide a disciplined way to invest and grow your wealth over the medium to long term, helping you save for significant milestones like a child's education or retirement.
Do I have flexibility in managing my investments in a Tata AIA ULIP Plan?
Yes, many Tata AIA ULIP Plans, including the Tata AIA Premier SIP and Tata AIA Fortune Pro, offer benefits like unlimited fund switching and a choice of investment strategies to help you manage your portfolio based on market conditions.
What are the benefits of investing in Tata AIA ULIP Plans?
benefit: Get life insurance protection and the potential for market-linked returns.
Tax benefits: Premiums paid qualify for tax deductions under Section 80C of the Income Tax Act, 1961. Tax laws are subject to amendments.
Investment flexibility: Choose from a variety of fund options to match your risk appetite and investment goals.
Partial withdrawals: Access a portion of your investment after a lock-in period.
Maturity benefit: Receive a lump sum amount at the end of the policy term.
How to pay premium? What payment modes are available?
TATA AIA Life Insurance offers 5 modes of premium payment namely;
Online Payment
DropBoxes
Auto debit
Cash/Cheque collection center
Payment Collection Center.
For online payment mode, the policyholder can pay via;
NEFT transfer
Activating auto debit facility in the bank account
Quick pay via ICICI portal
Internet Mobile Payment Service
Alternatively, the policyholder can pay in cash or drop cheque at any of the payment collection centers or dropboxes mentioned on the TATA AIA website.
How can I check policy status for Tata AIA ULIP Plans?
If you are a registered user, log in directly to the TATA AIA website with your relevant username and password. You would be directed to the homepage of your policy account. Now simply click the tab “Check Policy Details” to check the status of your policy and other relevant details. For new policyholders, they must register on the website and proceed with the same steps.
What is the policy renewal process for Tata AIA ULIP Plans?
TATA AIA offers the policyholders a chance to renew their policy online. Simply log in to the portal and follow the link that leads to secured payment process. You can renew your policy by using debit, credit card, or net banking option. Opt for Auto Renewal when you initially sign up for the policy to save time and effort. If you did not then you can do so now by contacting customer helpdesk at the same toll free number.
What is the company’s process to settle claims for Tata AIA ULIP Plans?
The company offers a transparent claim process. The policyholder can register claims by submitting their request at the customer care helpdesk. Upon receiving complete documents, the claim is settled within 7 working days. There are dedicated offices at certain locations to directly file the claims.
What is the policy cancellation process for Tata AIA ULIP Plans?
The policyholders must attach the relevant policy documents along with a filled surrender form at any of the branch locations in their city. Upon receiving the correct documents, the deposited amount is credited into the policyholder’s bank account as per the company’s records, and the policy is cancelled.
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Oman, November 10, 2026
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"I bought SBI Life-eWealth Plus. The team helped me understand the market-linked features and policy conditions."
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Qatar, November 10, 2026
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Australia, November 08, 2026
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*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
Tax benefit is subject to changes in tax laws
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
#The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CAGR 8%; ₹50,45,591 @ CAGR 4%. *Tax benefits and savings are subject to changes in tax laws. All plans listed here are of insurance companies’ funds. The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.
˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar Insurance Brokers Private Limited does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in
