{"uin":"110N120V13","name":"Tata AIA Fortune Guarantee","url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-110n120v13","insurer":{"slug":"tata-aia-life-insurance","name":"TATA AIA Life Insurance Company Limited","url":"https://indiainsurances.com/insurer/tata-aia-life-insurance"},"line":"life","category":"savings-life","category_name":"Endowment and savings plans","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Tata AIA Life Insurance Fortune Guarantee is a non-linked, non-participating individual life insurance savings plan with single, limited or regular premium payment options. It pays a maturity sum assured on survival and on death pays the highest of the basic sum assured, 105% of total premiums paid and the maturity sum assured, with a 30-day free-look period.","analysis":{"state":"machine","analysed_at":"2026-10-20 00:59:21.026617+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["Point of Sale variant","Single Pay SA-I","Single Pay SA-II"],"display":"Point of Sale variant; Single Pay SA-I; Single Pay SA-II","note":null,"quote":"This plan is also available under Point of Sale variant. In case the plan is availed under Point of Sale variant, no rider can be attached. ... Limited/Regular Pay/Single Pay SA-I and varies as per Policy Term, gender and Single Premium band for Single Pay SA-II.","sources":[{"clause":"10","heading":null,"page":1,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-110n120v13/document/16685#c-10"},{"clause":null,"heading":"3.1. MATURITY BENEFIT","page":3,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-110n120v13/document/16685#c-3-1-maturity-benefit-2"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Death must be informed to the company immediately. Affirmative proof of loss and forms required by the insurer must be furnished within 90 days after the insured event, unless specified otherwise.","display":"Immediately upon death; proof of claim within 90 days after the insured event","note":null,"quote":"Please inform the company immediately upon occurrence of death. ... Filing Proof of Claim – Affirmative proof of loss and any appropriate forms as required by us must be completed and furnished to us, at the claimant’s expenses, within 90 days after the date the Insured event happens, unless specified otherwise.","sources":[{"clause":null,"heading":"3.11. CLAIMS INTIMATION PROCESS","page":5,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-110n120v13/document/16685#c-3-11-claims-intimation-process"},{"clause":null,"heading":"6.11. CLAIM PROCEDURES","page":11,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-110n120v13/document/16685#c-6-11-claim-procedures"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Claim Forms Part I: Application Form for Death Claim (Claimant's Statement) along with NEFT form","Part II: Physician's Statement - to be filled by last attending physician","Death Certificate issued by a local government body like Municipal Corporation","Medical Records (Admission Notes, Discharge/Death Summary, Indoor Case Papers, Test Reports etc)","Claimant's Photo ID with age proof & relationship with the Insured along with Address proof of the claimant and Cancelled cheque","If no nomination - Proof of legal title to the claim proceeds","Postmortem report (Autopsy report) & Chemical Viscera report - if performed","All Police Papers – Panchnama, Inquest, First Information Report (FIR) and Final Investigation Report","NEFT Form","a cancelled cheque or copy of passbook with pre-printed name","a self-attested photo ID proof"],"display":"Death claim forms, death certificate, medical records, claimant ID/address/bank proof, legal title if no nomination; for accidental death, postmortem/viscera report and police papers; for maturity payout, NEFT form, cancelled cheque/passbook and self-attested photo ID proof","note":null,"quote":"Death (All causes of death other than the Accidenta l Death) | a) Claim Forms Part I: Application Form for Death Claim (Claimant's Statement) along with NEFT form Part II: Physician's Statement - to be filled by last attending physician ... b) Death Certificate issued by remain in force during this period. If any a local government body premium remains unpaid at the end of its like Municipal Corporation Grace Period, the Policy shall lapse and\nc) Medical | Records\n(Admission | Notes,\nhave no further value except as may be Discharge/Death provided under the Non-Forfeiture Summary, Indoor Case Provisions. Papers, Test Reports etc)1\nd) Claimant's Photo ID with If any claim occurs during the Grace age proof & relationship Period, the death claim shall be paid after with the Insured along with deducting any due Premium (without Address proof of the claimant and Cancelled interest) before settlement. cheque with name and account number printed or 3.8. DEDUCTION OF PREMIUM AT cancelled cheque with CLAIM copy of Bank Passbook / If a claim is payable under this Policy, any Bank Statement balance of the premiums due for the full If no nomination - Proof of legal title to the claim proceeds ... If Death due to Accident (to be submitted in addition to the above) | e) In case of accidental death in addition to the above documents, we would require the following documents - - Postmortem report (Autopsy report) & Chemical Viscera report - if performed; - All Police Papers – Panchnama, Inquest, First Information Report (FIR) and Final Investigation Report. ... - NEFT Form;\n- a cancelled cheque or copy of passbook with pre-printed name ... - a self-attested photo ID proof.","sources":[{"clause":null,"heading":"Claim","page":4,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-110n120v13/document/16685#c-claim"},{"clause":null,"heading":"BENEFITS","page":4,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-110n120v13/document/16685#c-benefits"},{"clause":"24(f)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-110n120v13/document/16685#c-24-f"},{"clause":null,"heading":"3.10.2. Maturity Claim Requirements","page":5,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-110n120v13/document/16685#c-3-10-2-maturity-claim-requirements"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"Death claims not warranting investigation are to be settled within 15 days from the date of receipt of claim. Death claims warranting investigations are to be settled within 45 days from the date of receipt of claim.","display":"15 days from receipt of claim; 45 days from receipt of claim if investigation is warranted","note":null,"quote":"1 | Death Claims (Not warranting investigati on) | 15 days from the date of receipt of claim ... Death\nClaims | 45 days\n(Warrantin | from the\ng date of\nInvestigati | receipt\nons) of claim","sources":[{"clause":"Row 1","heading":"Death Claims (Not warranting investigati on)","page":5,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-110n120v13/document/16685#c-row-1"},{"clause":"24(f)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-110n120v13/document/16685#c-24-f"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["death due to suicide within 12 months from the Date of Commencement of Risk under the Policy or from the date of revival of the Policy","If death of any of the Life Insured occurs during the first 90 days from the Date of Commencement of Risk","Waiting period of 90 days is not applicable if the death occurs due to an accident"],"display":"Suicide within 12 months; for Point of Sale product, death in the first 90 days from commencement of risk is subject to refund of total premiums paid, except accidental death","note":null,"quote":"In case of death due to suicide within 12 months from the Date of Commencement of Risk under the Policy or from the date of revival of the Policy, as applicable, the nominee or beneficiary of the Policyholder shall be entitled to at least 80% of the Total Premiums Paid till the date of death or the Surrender Value available as on the date of death whichever is higher, provided the Policy is in force. ... Waiting Period in case of Point of Sale Product:\nIf death of any of the Life Insured occurs during the first 90 days from the Date of Commencement of Risk, We shall refund the Total Premiums Paid and the Policy will terminate with immediate effect. Waiting period of 90 days is not applicable if the death occurs due to an accident","sources":[{"clause":null,"heading":"6.3. SUICIDE EXCLUSION","page":10,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-110n120v13/document/16685#c-6-3-suicide-exclusion"},{"clause":null,"heading":"3.2. DEATH BENEFIT","page":3,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-110n120v13/document/16685#c-3-2-death-benefit"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"Customers can first register grievances with Tata AIA through the listed service avenues including helpline, email, online policy account, branches/CAMS service centres, agent/distributor or by writing to the Customer Service Department. If not satisfied or if no response is received within the stipulated time, they may escalate to the Grievance Redressal Officer at GRO@tataaia.com before approaching IRDAI or the Ombudsman.","display":"First complain to Tata AIA service avenues; escalate to Grievance Redressal Officer at GRO@tataaia.com if not satisfied or no response","note":null,"quote":"Customers can register their grievances through multiple service avenues:\n• Call our helpline number at 1-860- 266-9966 (Call charges apply)\n• Email | us | at\nlife.complaints@tataaia.com\n• Login to online policy account on www.tataaia.com\n• Visit any of the nearest Tata AIA Life branches or CAMS Service Centers\n• Contact your Tata AIA Life Agent / Distributor\n• Write to us on the following address:\nCustomer Service Department Tata AIA Life Insurance Company Limited 15th Floor, Centaurus, Hiranandani Business Park, Hiranandani Estate, Thane West, Maharashtra Pin code – 400607. ... In case customers are not satisfied with the decision of the above offices, or has not received any response within stipulated time, they may contact the following officials for resolution:\n• Level of Escalation: Grievance Redressal Officer (GRO) - A senior member at corporate office of the Company shall be designated as the GRO. For escalations, customers can email to GRO@tataaia.com","sources":[{"clause":null,"heading":"7.2. GRIEVANCE REDRESSAL PROCEDURE 7.2.1. Resolution of Grievances","page":13,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-110n120v13/document/16685#c-7-2-grievance-redressal-procedure-7-2-1-resoluti"},{"clause":null,"heading":"7.2.2. Escalation Mechanism","page":13,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-110n120v13/document/16685#c-7-2-2-escalation-mechanism"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_assured","label":"Sum assured","section":"Cover","meaning":"The minimum and maximum life cover, or the rule that sets it (for example 10 times the annual premium).","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"death_benefit","label":"Death benefit","section":"Cover","meaning":"What your family gets if you die during the term, and how it is calculated.","status":"quote-verified","value":"On death of the insured during the policy term while the policy is in force, the claimant receives the Sum Assured on death, which is the higher of Basic Sum Assured, 105% of Total Premiums Paid up to the date of death, or Maturity Sum Assured. For Point of Sale product death in the first 90 days from commencement of risk, the insurer refunds Total Premiums Paid and terminates the policy, except for accidental death.","display":"Higher of Basic Sum Assured, 105% of Total Premiums Paid up to date of death, or Maturity Sum Assured; POS first 90 days refund Total Premiums Paid unless accidental death","note":null,"quote":"Upon death of the insured during the term of the Policy, provided the Policy is in force, the Sum Assured on death shall be payable to Claimant. Sum Assured on death shall be higher of the following\ni) Basic Sum Assured; or\nii) 105% of the Total Premiums Paid up to date of death; or\niii) Maturity Sum Assured ... If death of any of the Life Insured occurs during the first 90 days from the Date of Commencement of Risk, We shall refund the Total Premiums Paid and the Policy will terminate with immediate effect. Waiting period of 90 days is not applicable if the death occurs due to an accident provided all due Premiums have been paid and benefits as per Part C shall continue to be payable.","sources":[{"clause":null,"heading":"3.2. DEATH BENEFIT","page":3,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-110n120v13/document/16685#c-3-2-death-benefit"}],"law":[]},{"key":"maturity_benefit","label":"Maturity benefit","section":"Cover","meaning":"What you get if you survive to the end of the term.","status":"quote-verified","value":"If the insured is alive on the maturity date and the policy is in force with all due premiums paid, Maturity Sum Assured is payable after deduction of any unpaid due premium and indebtedness. Maturity Sum Assured equals the maturity benefit factor multiplied by Total Premiums Paid, with the factor varying by premium paying term, policy term, gender, premium band and entry age or by policy term, gender and single premium band for Single Pay SA-II.","display":"Maturity Sum Assured = maturity benefit factor multiplied by Total Premiums Paid, payable if alive on maturity and policy is in force with all due premiums paid","note":null,"quote":"If the Insured is alive on the Maturity Date and the Policy is in force and all due premiums have been paid into the policy, Maturity Sum Assured shall be payable, after deduction of any due premium and indebtedness which are unpaid as on date of maturity. Maturity Sum Assured is equal to maturity benefit factor multiplied by Total Premiums Paid, where maturity benefit factor varies as per the Premium Paying Term, Policy Term, gender, Annualised Premium/Single Premium band & entry age for Limited/Regular Pay/Single Pay SA-I and varies as per Policy Term, gender and Single Premium band for Single Pay SA-II.","sources":[{"clause":null,"heading":"3.1. MATURITY BENEFIT","page":3,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-110n120v13/document/16685#c-3-1-maturity-benefit-2"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"quote-verified","value":"Premium paying term options are Single Pay, Limited Pay from 5 to 20 years, and Regular Pay from 10 to 20 years.","display":"Single Pay; Limited Pay: 5 to 20 years; Regular Pay: 10 to 20 years","note":"From the sales brochure.","quote":"Premium Payment Term | • Single Pay • Limited Pay: 5 to 20 years • Regular Pay: 10 to 20 years","sources":[{"clause":null,"heading":"Tata AIA Life Insurance Fortune Guarantee","page":2,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-110n120v13/document/16215#c-tata-aia-life-insurance-fortune-guarantee"}],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"suicide_clause","label":"Suicide clause","section":"Exclusions","meaning":"What is paid if death is by suicide within the first 12 months.","status":"quote-verified","value":"If death is due to suicide within 12 months from commencement of risk or revival, the nominee or beneficiary is entitled to at least 80% of Total Premiums Paid till death or the Surrender Value available on the date of death, whichever is higher, provided the policy is in force.","display":"Within 12 months: at least 80% of Total Premiums Paid till death or Surrender Value, whichever is higher, if policy is in force","note":null,"quote":"In case of death due to suicide within 12 months from the Date of Commencement of Risk under the Policy or from the date of revival of the Policy, as applicable, the nominee or beneficiary of the Policyholder shall be entitled to at least 80% of the Total Premiums Paid till the date of death or the Surrender Value available as on the date of death whichever is higher, provided the Policy is in force.","sources":[{"clause":null,"heading":"6.3. SUICIDE EXCLUSION","page":10,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-110n120v13/document/16685#c-6-3-suicide-exclusion"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 21","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 35","url":"https://indiainsurances.com/law/irdai-life-products-2024"}]},{"key":"surrender","label":"Surrender value","section":"Renewal and rights","meaning":"What you get if you stop the policy early, and from when.","status":"quote-verified","value":"The policy can be surrendered any time during the policy term. It acquires Surrender Value throughout the policy term for Single Premium policies, and for Regular/Limited Pay policies on completion of one policy year if one full year's premium has been paid; the amount payable is the higher of Guaranteed Surrender Value or Special Surrender Value.","display":"Surrender any time; Surrender Value throughout for Single Premium, and after one policy year with one full year's premium paid for Regular/Limited Pay; higher of GSV or SSV","note":null,"quote":"The Policy can be surrendered any time during the term of the Policy, however it shall acquire Surrender Value as below:\n• Single Premium – throughout the Policy Term;\n• Regular/ Limited Pay - on completion of one policy year, if one full year’s Premium have been paid, in case of Policy other than Single Pay.\nThe surrender value payable is higher of Guaranteed Surrender Value or Special Surrender Value.","sources":[{"clause":null,"heading":"4.5. NON-FORFEITURE PROVISIONS","page":8,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-110n120v13/document/16685#c-4-5-non-forfeiture-provisions"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.1 to 26.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.4 and 26.5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 27","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.16 and 1.17","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(1) to (3)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(4) and (5)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(6) to (9)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(B)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vi)(c)(V)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"paid_up","label":"Paid-up value","section":"Renewal and rights","meaning":"What cover continues if you stop paying premiums after a few years.","status":"quote-verified","value":"For Limited/Regular Pay, if the full premiums for the first policy year have been paid and later premiums remain unpaid without surrender, the policy becomes Reduced Paid-up by default. Death benefit is the highest of Basic Sum Assured multiplied by premiums paid divided by premiums payable, and Maturity Sum Assured, subject to a minimum of 105% of Total Premiums Paid; maturity benefit is Maturity Sum Assured.","display":"After first policy year premiums are paid, unpaid later premiums convert Limited/Regular Pay policy to Reduced Paid-up; death benefit highest of reduced Basic Sum Assured and Maturity Sum Assured, minimum 105% of Total Premiums Paid; maturity benefit Maturity Sum Assured","note":null,"quote":"In case of Limited/Regular Pay, if the full premiums for the first policy year have been paid, and subsequent premiums remain unpaid and the Policy has not been surrendered, the Policy will be converted into a Reduced Paid-up Policy by default. ... a) Death Benefit: On death of the life insured during the policy term, the benefit payable shall be highest of:\n- Basic Sum Assured x (Number of premiums paid)/ (Number of premiums payable, during the entire policy term)\n- Maturity Sum Assured\nThis total amount will be subject to a minimum of 105% of Total Premiums Paid, up to the date of death. ... b) Maturity Benefit:\nMaturity Sum Assured shall be payable","sources":[{"clause":"Row 1(b)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-110n120v13/document/16685#c-row-1-b-2"},{"clause":"Row 1(a)","heading":"Death Benefit","page":8,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-110n120v13/document/16685#c-row-1-a-3"},{"clause":"Row 1(b)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-110n120v13/document/16685#c-row-1-b-3"}],"law":[]},{"key":"revival","label":"Revival period","section":"Renewal and rights","meaning":"How long after lapsing you can restart the policy.","status":"quote-verified","value":"Under Limited/Regular Pay, a policy in premium default beyond the grace period and not surrendered may be revived within five years after the due date of the first unpaid premium and before maturity. Revival requires written application, current health certificate and other evidence of insurability, payment of all overdue premiums with interest, and repayment of outstanding indebtedness plus interest.","display":"Within five years after the due date of the first unpaid premium and before maturity, subject to application, insurability evidence, overdue premiums with interest and outstanding indebtedness with interest","note":null,"quote":"Under Limited/Regular Pay, if a premium is in default beyond the Grace Period and subject to the Policy not having been surrendered, it may be revived, within five years after the due date of the first unpaid premium and before maturity subject to: (i) Your written application for revival; (ii) production of Insured’s current health certificate and other evidence of insurability satisfactory to Us; (iii) payment of all overdue premiums with interest.; (iv)\nrepayment | of | any | Indebtedness\noutstanding at the due date of the premium at default plus interest.","sources":[{"clause":null,"heading":"4.2. REVIVAL","page":7,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-110n120v13/document/16685#c-4-2-revival"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.1 and 40.1.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.4","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.7","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.28","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.39","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"policy_loan","label":"Policy loan","section":"Renewal and rights","meaning":"Whether you can borrow against the policy.","status":"quote-verified","value":"A policy loan is available once the policy acquires Surrender Value, up to 65% of Surrender Value, and the policy must be assigned to the insurer. Policy loan is not available while the insured is a minor.","display":"Available after Surrender Value is acquired, up to 65% of Surrender Value; not available while the Insured is minor","note":null,"quote":"Provided that the policy acquires Surrender Value, You may apply for a policy loan for such an amount up to 65% of Surrender Value. The Policy must be assigned to Us. ... Policy loan is not available while the Insured is minor.","sources":[{"clause":null,"heading":"4.3. LOAN","page":7,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-110n120v13/document/16685#c-4-3-loan"}],"law":[]},{"key":"riders_available","label":"Riders available","section":"Cover","meaning":"Optional add-ons such as accidental death, critical illness or waiver of premium.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"section45","label":"Claims after 3 years (Section 45)","section":"Claims","meaning":"After 3 years a life policy cannot be questioned on any ground, and only for fraud with proof before that.","status":"quote-verified","value":"No life insurance policy can be called in question on any ground after expiry of 3 years from the later of issuance, commencement of risk, revival or rider date. Within 3 years it may be questioned for fraud or for material misstatement/suppression, with written communication of the grounds and materials.","display":"After expiry of 3 yrs, no questioning on any ground; within 3 years, fraud or material misstatement/suppression may be questioned with written grounds and materials","note":null,"quote":"No Policy of Life Insurance shall be called in question on any ground whatsoever after expiry of 3 yrs from\na) the date of issuance of policy or\nb) the date of commencement of risk or\nc) the date of revival of policy or\nd) the date of rider to the policy\nwhichever is later. ... On the ground of fraud, a policy of Life Insurance may be called in question within 3 years ... For this, the insurer should communicate in writing to the Life Assured or legal representative or nominee or assignees of insured, as applicable, mentioning the ground and materials on which such decision is based. ... Life insurance Policy can be called in question within 3 years on the ground that any statement of or suppression of a fact material to expectancy of life of the Life Assured was incorrectly made","sources":[{"clause":"01","heading":"No Policy of Life Insurance shall be","page":23,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-110n120v13/document/16685#c-01-2"},{"clause":"02","heading":"On the ground of fraud, a policy of","page":23,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-110n120v13/document/16685#c-02-3"},{"clause":"06","heading":"Life insurance Policy can be called","page":23,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-110n120v13/document/16685#c-06-3"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 45","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"tax_note","label":"Tax note in the document","section":"Premium","meaning":"What the document says about tax benefits. Not stated when it only says taxes are charged on the premium. Tax law changes; confirm separately.","status":"quote-verified","value":"Tax benefits and liabilities under the policy are subject to prevailing tax laws, and tax laws and benefits may change. The policyholder is advised to seek a tax advisor's opinion.","display":"Tax benefits and liabilities subject to prevailing tax laws; tax laws and benefits may change; seek tax advisor opinion","note":null,"quote":"Tax benefits and liabilities under the Policy are subject to prevailing tax laws. Tax laws and the benefits arising thereunder are subject to change. The Policyholder is advised to seek an opinion of tax advisor in relation to the tax benefits and liabilities applicable.","sources":[{"clause":null,"heading":"6.12. TAXES","page":12,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-110n120v13/document/16685#c-6-12-taxes"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":null,"quote":"Such notice must be signed by you and received directly by the Company within 30 days from the date of receipt of the policy document by you whether the policy is sourced electronically or otherwise.","sources":[{"clause":null,"heading":"4. PART D 4.1. FREE LOOK PERIOD","page":7,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-110n120v13/document/16685#c-4-part-d-4-1-free-look-period"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":15},"display":"15 days for monthly mode; 30 days for all other modes except Single Pay","note":"Value and norm use the shorter monthly-mode grace period; all other modes except Single Pay have 30 days.","quote":"A Grace Period of fifteen (15) days for monthly mode and thirty (30) days for all other modes except Single Pay, from the due date of the first unpaid Premium will be allowed for payment of each subsequent premium (“Grace Period”). The Policy will\nb) Death Certificate issued by remain in force during this period.","sources":[{"clause":null,"heading":"Claim","page":4,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-110n120v13/document/16685#c-claim"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["Single Premium","annual","semi-annual","quarterly","monthly"],"display":"Single Premium, annual, semi-annual, quarterly or monthly","note":null,"quote":"premiums may be paid on annual, semi-annual, quarterly or monthly mode at the premium rates applicable on the Issue Date. ... Single Premium | Multiply Single","sources":[{"clause":null,"heading":"3.5. CHANGE OF FREQUENCY OF PREMIUM PAYMENT","page":3,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-110n120v13/document/16685#c-3-5-change-of-frequency-of-premium-payment"}],"law":[]},{"key":"premium_type","label":"Premium payment type","section":"Premium","meaning":"Single premium, regular premium (every year of the term) or limited premium (fewer years than the term).","status":"quote-verified","value":["Single Pay","Limited Pay","Regular Pay"],"display":"Single Pay; Limited Pay; Regular Pay","note":"From the sales brochure.","quote":"Premium Payment Term | • Single Pay • Limited Pay: 5 to 20 years • Regular Pay: 10 to 20 years","sources":[{"clause":null,"heading":"Tata AIA Life Insurance Fortune Guarantee","page":2,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-110n120v13/document/16215#c-tata-aia-life-insurance-fortune-guarantee"}],"law":[]},{"key":"guaranteed_benefits","label":"Guaranteed benefits","section":"Cover","meaning":"What is guaranteed, in rupees or as a formula, regardless of the insurer's performance.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"bonus","label":"Bonus type","section":"Cover","meaning":"Participating plans share profits as bonuses; these are NOT guaranteed.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"illustration_returns","label":"Illustrated returns","section":"Cover","meaning":"The benefit illustration at the IRDAI rates (4% and 8%); not a promise.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"money_back","label":"Survival or money-back payouts","section":"Cover","meaning":"Instalments paid during the term.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Policy bond","pages":24,"fetched_at":"2026-10-17 20:14:56+00","source_url":"https://www.tataaia.com/content/dam/tataaialifeinsurancecompanylimited/life-insurance-plans/savings-solutions/fortune-guarantee/Fortune-Guarantee-Policy-Document-V13.pdf","url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-110n120v13/document/16685"},{"kind":"cis","label":"Customer Information Sheet","pages":7,"fetched_at":"2026-10-17 20:04:46+00","source_url":"https://www.tataaia.com/content/dam/tataaialifeinsurancecompanylimited/life-insurance-plans/savings-solutions/fortune-guarantee/Fortune-Guarantee-110N120V13-CIS.pdf","url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-110n120v13/document/16153"},{"kind":"brochure","label":"Brochure","pages":7,"fetched_at":"2026-10-17 20:06:09+00","source_url":"https://www.tataaia.com/content/dam/tataaialifeinsurancecompanylimited/life-insurance-plans/savings-solutions/fortune-guarantee/Fortune-Guarantee-V13-Brochure.pdf","url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-110n120v13/document/16215"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"TATA AIA Life Insurance official website","url":"http://tataaia.com/","note":"Website as listed by IRDAI. Not checked: the site blocks automated requests (bot wall) for our crawler on 2026-10-19; we do not bypass walls."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Tata AIA Fortune Guarantee (UIN 110N120V13), IndiaInsurances, https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-110n120v13"}