{"uin":"110N206V04","name":"Tata AIA Fortune Guarantee Secure","url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-secure-110n206v04","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":"Product","kind":"product","status":"active","approved_on":"2024-12-03","withdrawn_on":null,"summary":"Tata AIA Fortune Guarantee Secure is an individual non-linked, non-participating life insurance savings plan with four benefit options. The death benefit is the highest of the stated premium multiple, 105% of total premiums paid, or Sum Assured on Death, and the free-look period is 30 days.","analysis":{"state":"machine","analysed_at":"2026-10-19 23:11:32.465764+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":["Option 1 – Regular Income","Option 2 – Regular Income ROP","Option 3 – Regular Income Plus","Option 4 – Early Income Plus"],"display":"Option 1 – Regular Income; Option 2 – Regular Income ROP; Option 3 – Regular Income Plus; Option 4 – Early Income Plus","note":null,"quote":"The plan offers the following benefit options, one of which must be selected at inception of the contract and cannot be altered later:\n• Option 1 – Regular Income ... • Option 2 – Regular Income ROP ... • Option 3 – Regular Income Plus ... • Option 4 – Early Income Plus","sources":[{"clause":"3.1","heading":"BENEFITS","page":3,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-secure-110n206v04/document/16690#c-3-1"},{"clause":"3.1(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-secure-110n206v04/document/16690#c-3-1-b"},{"clause":"3.1(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-secure-110n206v04/document/16690#c-3-1-b-2"},{"clause":"3.1(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-secure-110n206v04/document/16690#c-3-1-b-3"}],"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":"The CIS points to the Policy Schedule for the Policy Term, but the product documents provided do not state a product-level term or range.","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":"All death claims must be notified in writing within 90 days. Appropriate forms and supporting documents must also be submitted within 90 days after the insured event happens, unless specified otherwise.","display":"Death claim notice within 90 days; claim forms and supporting documents within 90 days after the insured event","note":null,"quote":"Notice of Claim – All cases of death must be notified, within a period of 90 days, to us in writing. ... Appropriate forms and supporting documents must be submitted, at the Claimant’s expenses, within 90 days after the date the Insured event happens, unless specified otherwise.","sources":[{"clause":"6.8","heading":"CLAIMS","page":12,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-secure-110n206v04/document/16690#c-6-8"}],"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":["Claimant Statement","Copy of Death Certificate issued by a local Municipal Authority","Original Policy Document","Copy of Claimant's Photo Identification Proof & Current Address Proof","Cancelled cheque with name and account number printed or cancelled cheque with copy of Bank Passbook / Bank Statement","If no nomination - Proof of legal title to the claim proceeds (e.g. legal succession paper)","Attending Physician's Statement","Medical Records* (Admission Notes, Discharge/Death Summary, Indoor Case Papers, Test Reports etc.) #","Copy of the First Information Report (FIR) or Panchanama/Police complaint/Inquest#","Copy of Post Mortem report (PMR)/Autopsy and Viscera report#","Copy of the Final Police Investigation report (FPIR)/Charge sheet#","FATCA/CRS self-certification forms Individual","FATCA/CRS self-certification forms Non-Individual","NEFT Form","a cancelled cheque or copy of passbook with pre-printed name and bank account number, for payout through NEFT","a self-attested photo ID proof"],"display":"Death claim: claimant statement, death certificate, original policy document, claimant ID/address proof, bank proof, legal title if no nomination, and cause-specific medical/police/NRI documents. Maturity claim: NEFT form, cancelled cheque or passbook copy, and self-attested photo ID proof.","note":null,"quote":"Death (All causes of death other than the Accidental Death) | • Claimant Statement • Copy of Death Certificate issued by a local Municipal Authority • Original Policy Document • Copy of Claimant's Photo Identification Proof & Current Address Proof (List of acceptable photo ID and Address proofs) • Cancelled cheque with name and account number printed or cancelled cheque with copy of Bank Passbook / Bank Statement • If no nomination - Proof of legal title to the claim proceeds (e.g. legal succession paper) Additional documents required on basis of cause of death Medical/Natural death: • Attending Physician's Statement • Medical Records* (Admission Notes, Discharge/Death Summary, Indoor Case Papers, Test Reports etc.) # ... In case of an unnatural death (to be submitted in addition to the above) | • Copy of the First Information Report (FIR) or Panchanama/Police complaint/Inquest# • Copy of Post Mortem report (PMR)/Autopsy and Viscera report# • Copy of the Final Police Investigation report (FPIR)/Charge sheet# ... Additional documents for NRI (to be submitted in addition to the above) | • FATCA/CRS self-certification forms Individual • FATCA/CRS self-certification forms Non-Individual ... - NEFT Form;\n- a cancelled cheque or copy of passbook with pre-printed name and bank account number, for payout through NEFT, and\n- a self-attested photo ID proof.","sources":[{"clause":"6.6","heading":"LOSS OF POLICY DOCUMENT","page":11,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-secure-110n206v04/document/16690#c-6-6"},{"clause":"6.8","heading":"CLAIMS","page":12,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-secure-110n206v04/document/16690#c-6-8"},{"clause":"6.8.1","heading":null,"page":12,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-secure-110n206v04/document/16690#c-6-8-1"}],"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":"conflicting","value":"For death claims not warranting investigation, the policy wording states 15 days from the date of receipt of claim. For death claims warranting investigations, it states 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":"CIS says: '• 15 days from receiving all the documents,\n• 45 days from the day of the claim intimation, if further investigation required.'","quote":"1 | Death Claims (Not warranting investigation) | 15 days from the date of receipt of claim ... f) The timelines for settlement are given below: 45 days from\nDeath Claims | the date of\n(Warranting | receipt of\nInvestigations) | claim ... • 15 days from receiving all the documents,\n• 45 days from the day of the claim intimation, if further investigation required.","sources":[{"clause":"Row 1","heading":"Death Claims (Not warranting investigation)","page":13,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-secure-110n206v04/document/16690#c-row-1"},{"clause":"6.9","heading":"CLAIMS INTIMATION PROCESS","page":13,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-secure-110n206v04/document/16690#c-6-9"},{"clause":null,"heading":"Sub-Wallet","page":4,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-secure-110n206v04/document/16174#c-sub-wallet"}],"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 (twelve) 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 Insureds occurs during the first 90 days from the Date of Commencement of Risk"],"display":"Suicide within 12 months; for Point-of-Sale product, death during the first 90 days except accidental death","note":"The 90 days waiting period is stated as applicable in case of Point-of-Sale product.","quote":"In case of death due to suicide within 12 (twelve) months from the Date of Commencement of Risk under the Policy or from the date of revival of the Policy, as applicable, the Claimant 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 (if applicable) whichever is higher, provided the Policy is in force. ... If death of any of the Life Insureds 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 shall not be applicable if the death occurs due to an accident, provided all due Premiums have been paid.","sources":[{"clause":"6.2.1","heading":"SUICIDE EXCLUSION","page":11,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-secure-110n206v04/document/16690#c-6-2-1"},{"clause":"6.2.2","heading":"WAITING PERIOD (APPLICABLE IN CASE OF POINT","page":11,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-secure-110n206v04/document/16690#c-6-2-2"}],"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":"Register grievances through the insurer's service avenues such as helpline, email, online policy account, branch/CAMS service center, agent/distributor, or by writing to the Customer Service Department. If not satisfied or no response is received within the stipulated timelines, escalate to the Grievance Redressal Officer at GRO@tataaia.com before approaching IRDAI or the Insurance Ombudsman.","display":"First complain to Tata AIA through its service avenues; then escalate to the Grievance Redressal Officer at GRO@tataaia.com","note":null,"quote":"Customers can register their grievances through Multiple Service Avenues:\n• Call our helpline number 1-860-266-9966 (Call charges apply)\n• Email us at life.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 resolution provided by the Company, or has not received any response within the stipulated timelines, they may contact the following officials for resolution:\n- Level of Escalation: Grievance Redressal Officer (GRO) ... For escalations, customers can email to GRO@tataaia.com or write to:","sources":[{"clause":null,"heading":"GRIEVANCE REDRESSAL PROCEDURE","page":14,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-secure-110n206v04/document/16690#c-grievance-redressal-procedure"}],"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":"quote-verified","value":"Sum Assured on Death equals the Basic Sum Assured. Basic Sum Assured equals the Death Benefit Multiple multiplied by the Annualised Premium, with the Death Benefit Multiple varying by age.","display":"Sum Assured on Death = Basic Sum Assured = Death Benefit Multiple × Annualised Premium","note":null,"quote":"8) “Basic Sum Assured” shall be equal to the Death Benefit Multiple (DBM) multiplied by the Annualised Premium. The Death Benefit Multiple is provided below: ... 31) “Sum Assured on Death” means an absolute amount of benefit which is guaranteed to become payable on death of the life assured and shall be equal to the Basic Sum Assured.","sources":[{"clause":"2.1","heading":"BASIC DEFINITIONS","page":1,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-secure-110n206v04/document/16690#c-2-1"}],"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 during the Policy Term while the policy is in force and all due premiums are paid, the insurer pays the highest of 7 times Annualised Premium for entry age less than 50 years and 5 times Annualised Premium for entry age greater than 50 years, 105% of Total Premiums Paid up to death, or Sum Assured on Death. The death benefit is subject to a minimum of the surrender value as on death, and the policy terminates after payment.","display":"Highest of 7x Annualised Premium if entry age is less than 50 years or 5x if greater than 50 years, 105% of Total Premiums Paid, or Sum Assured on Death","note":null,"quote":"On death of the Life Insured during the Policy Term, We shall pay the highest of below, provided the Policy is in force and all due Premiums are paid: ... a) 7 x Annualised Premium (for Age entry less than 50 years) and 5 x Annualised Premium (for Age entry is greater than 50 years); ... b) 105% of Total Premiums Paid (excluding loading for modal premiums and discount) up to date of death; or ... c) Sum Assured on Death\nThe above Death Benefit shall be subject to minimum of the Surrender Value as on the date of death of the Life Insured. ... The Policy shall terminate upon the death of the Life Insured during the Policy Term and no other benefit under the Policy shall be payable.","sources":[{"clause":"3.1.1","heading":"DEATH BENEFIT","page":5,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-secure-110n206v04/document/16690#c-3-1-1"},{"clause":"3.1.1(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-secure-110n206v04/document/16690#c-3-1-1-a"},{"clause":"3.1.1(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-secure-110n206v04/document/16690#c-3-1-1-b"},{"clause":"3.1.1(c)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-secure-110n206v04/document/16690#c-3-1-1-c"}],"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":"On survival to the end of the Policy Term with all due premiums paid, Options 1 and 2 pay level income equal to Base Income plus Accrued Income Booster during the income period; Option 2 also pays Guaranteed Maturity Benefit at the end of the Income Period. Options 3 and 4 pay a lump sum equal to Guaranteed Maturity Benefit plus Accrued Milestone Booster at the end of the Policy Term.","display":"Options 1 and 2: level income during income period; Option 2 adds Guaranteed Maturity Benefit at end of Income Period. Options 3 and 4: Guaranteed Maturity Benefit plus Accrued Milestone Booster at end of Policy Term.","note":null,"quote":"On survival of Life Insured at the end of Policy Term and and provided all due premiums have been paid, below benefits are payable (if applicable) irrespective of the survival status of the Policyholder during the income period: ... a) Option 1 & 2:\nA level income shall be payable as per the chosen Income Benefit Frequency during the income period. Such level income is equal to Base Income plus Accrued Income Booster. ... Under Option 2, an additional lump sum benefit shall be payable which equals to Guaranteed Maturity Benefit at the end of Income Period. ... b) Option 3 & 4:\nA lump sum amount equal to Guaranteed Maturity Benefit plus Accrued Milestone Booster shall be payable at the end of Policy Term.","sources":[{"clause":"3.1.3","heading":"MATURITY BENEFIT","page":5,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-secure-110n206v04/document/16690#c-3-1-3"},{"clause":"3.1.3(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-secure-110n206v04/document/16690#c-3-1-3-a"},{"clause":"3.1.3(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-secure-110n206v04/document/16690#c-3-1-3-b"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"not-stated","value":null,"display":null,"note":"The CIS shows Premium payment Term as a Policy Schedule item, but the provided documents do not state the product-level premium paying term or range.","quote":null,"sources":[],"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 from revival, the claimant 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. The policy terminates after this payment.","display":"Within 12 months: at least 80% of Total Premiums Paid or surrender value, whichever is higher","note":null,"quote":"In case of death due to suicide within 12 (twelve) months from the Date of Commencement of Risk under the Policy or from the date of revival of the Policy, as applicable, the Claimant 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 (if applicable) whichever is higher, provided the Policy is in force. Upon such payment, the Policy shall terminate, and no further benefits shall be payable.","sources":[{"clause":"6.2.1","heading":"SUICIDE EXCLUSION","page":11,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-secure-110n206v04/document/16690#c-6-2-1"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"revival","label":"Revival period","section":"Renewal and rights","meaning":"How long after lapsing you can restart the policy.","status":"quote-verified","value":"Revival period means five consecutive complete years from the date of first unpaid premium. Revival is before maturity and requires a written application, health/medical evidence as required, and payment of all overdue premiums with interest.","display":"Five consecutive complete years from first unpaid premium; before maturity; overdue premiums with interest","note":null,"quote":"30) “Revival period” means the period of five consecutive complete years from the date of first unpaid premium. ... If there is default in Premium Payment beyond the Grace Period and subject to the Policy not having been surrendered, it may be revived, in accordance with Underwriting Policy within Revival Period but before the Date of Maturity of Policy, subject to: (i) Your written application for revival; (ii) production of Insured’s current health certificate, medical documents/information and other evidence of insurability as per the Underwriting Policy; and (iii) payment of all overdue Premiums with interest.","sources":[{"clause":"2.1","heading":"BASIC DEFINITIONS","page":1,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-secure-110n206v04/document/16690#c-2-1"},{"clause":"4.4","heading":"REVIVAL","page":10,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-secure-110n206v04/document/16690#c-4-4"}],"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 loan is available up to 80% of Surrender Value once the policy acquires surrender value. Loan interest is the prevailing SBI domestic term deposit rate for 1 year to less than 2 years plus 2%, with current rate stated as 8.25% p.a. from 1st April 2026.","display":"Loan up to 80% of Surrender Value; interest SBI 1 year to less than 2 years deposit rate + 2%","note":null,"quote":"You may apply for a loan up to 80% of Surrender Value provided the Policy acquires Surrender Value. ... Interest rate applicable to policy loan will be equal to prevailing SBI (State Bank of India) domestic term deposit interest rate for tenure ‘1 year to less than 2 years’ + 2%. ... The current interest rate for Loan from 1st April 2026 is 8.25% p.a. (i.e. SBI interest rate of 6.25% + 2%) compounding annually.","sources":[{"clause":"4.5","heading":"POLICY LOAN","page":10,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-secure-110n206v04/document/16690#c-4-5"}],"law":[]},{"key":"riders_available","label":"Riders available","section":"Cover","meaning":"Optional add-ons such as accidental death, critical illness or waiver of premium.","status":"quote-verified","value":["Rider/s may be attached at the inception of the Policy or any Policy Anniversary"],"display":"Riders may be attached at inception or any policy anniversary, subject to conditions","note":"The policy wording does not name specific riders. No rider can be attached if the product is bought under Point-of-Sale norms.","quote":"No rider can be attached if the product is bought under Point-of-Sale norms. ... Rider/s may be attached at the inception of the Policy or any Policy Anniversary, provided the rider premium payment term and the rider term shall not be more than the outstanding Premium Payment Term and outstanding Policy Term for the Base Plan.","sources":[{"clause":"3.1","heading":"BENEFITS","page":3,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-secure-110n206v04/document/16690#c-3-1"},{"clause":"3.1(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-secure-110n206v04/document/16690#c-3-1-b-3"}],"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 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; for non-fraud misstatement, premium collected till repudiation is paid within 90 days.","display":"After 3 years, no questioning on any ground; within 3 years for fraud or material misstatement with written grounds","note":null,"quote":"No Policy of Life Insurance shall be called in question\non 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 whichever is later. ... On the ground of fraud, a policy of Life Insurance may\nbe called in question within 3 years from ... 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\nyears on the ground that any statement of or suppression of a fact material to expectancy of life of the Life Assured was incorrectly made ... In case repudiation is on ground of mis-statement and\nnot on fraud, the premium collected on policy till the date of repudiation shall be paid to the Life Assured or legal representative or nominee or assignees of insured, within a period of 90 days from the date of repudiation.","sources":[{"clause":"1","heading":"No Policy of Life Insurance shall be called in question","page":20,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-secure-110n206v04/document/16690#c-1-3"},{"clause":"2","heading":"On the ground of fraud, a policy of Life Insurance may","page":20,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-secure-110n206v04/document/16690#c-2-4"},{"clause":"6","heading":"Life insurance Policy can be called in question within 3","page":20,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-secure-110n206v04/document/16690#c-6-15"},{"clause":"7","heading":"In case repudiation is on ground of mis-statement and","page":20,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-secure-110n206v04/document/16690#c-7-5"}],"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":"not-stated","value":null,"display":null,"note":"The document only states that taxes, duties, surcharge, cesses or levies are borne by the policyholder; it does not state tax benefits.","quote":null,"sources":[],"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":"Refund is of premiums paid without interest after specified deductions.","quote":"Such notice must be signed by You and received directly by the Company within 30 days after You receive the policy document sourced through electronic mode or otherwise..","sources":[{"clause":"4.1","heading":"FREE LOOK PERIOD","page":8,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-secure-110n206v04/document/16690#c-4-1"}],"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":30},"display":"30 days; 15 days for monthly mode","note":"15 days applies where premium is paid on a monthly basis; 30 days applies in all other cases.","quote":"The grace period for payment of the premium for all types of life insurance policies shall be fifteen days, where the policyholder pays the premium on a monthly basis and 30 days in all other cases. ... If the Premium is not paid by the due date, You may pay the same during the Grace Period without any interest. The Policy will remain in force during this period.","sources":[{"clause":"2.1","heading":"BASIC DEFINITIONS","page":1,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-secure-110n206v04/document/16690#c-2-1"},{"clause":"3.5","heading":"GRACE PERIOD","page":7,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-secure-110n206v04/document/16690#c-3-5"}],"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":"The provided documents do not state the minimum and maximum entry ages for buying the policy.","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","Half - Yearly","Quarterly","Monthly"],"display":"Single Premium, Annual, Half - Yearly, Quarterly, Monthly","note":null,"quote":"except in case of Single Pay, Premiums may be paid on monthly, quarterly, half-yearly or annual mode ... Mode | Modal Loading\nand must be exercised at least 3 (three)\nSingle Premium | Multiply Single Premium Rate by 1 (i.e., No loading)\nmonths prior to the Date of Maturity of Policy. ... Annual | Multiply Annual Premium Rate by 1 (i.e., No loading) ... Half - Yearly | Multiply Annual Premium Rate by 0.51 ... Quarterly | Multiply Annual Premium Rate by 0.26 ... Monthly | Multiply Annual Premium Rate by 0.0883","sources":[{"clause":"3.4.1","heading":"CHANGE OF FREQUENCY OF PREMIUM PAYMENT","page":6,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-secure-110n206v04/document/16690#c-3-4-1"}],"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","non-single pay option"],"display":"Single Pay and non-single pay options","note":"The documents provided do not further label the non-single pay option as regular premium or limited premium.","quote":"4) “Annualised Premium” shall be the premium payable in a year under a non-single pay option chosen by the policyholder, excluding the taxes, rider premiums, underwriting extra premiums, loading for modal premiums, if any. ... except in case of Single Pay, Premiums may be paid on monthly, quarterly, half-yearly or annual mode","sources":[{"clause":"2.1","heading":"BASIC DEFINITIONS","page":1,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-secure-110n206v04/document/16690#c-2-1"},{"clause":"3.4.1","heading":"CHANGE OF FREQUENCY OF PREMIUM PAYMENT","page":6,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-secure-110n206v04/document/16690#c-3-4-1"}],"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":"Fortune Guarantee Secure 110N206V01 T&C","pages":34,"fetched_at":"2026-10-17 20:14:11+00","source_url":"https://www.tataaia.com/content/dam/tataaialifeinsurancecompanylimited/pdf/download-centre/english/withdrawn-plans/tata-aia-fortune-guarantee-secure/Fortune-Guarantee-Secure-110N206V01-TandC.pdf","url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-secure-110n206v04/document/16642"},{"kind":"wording","label":"Policy Document","pages":21,"fetched_at":"2026-10-17 20:15:01+00","source_url":"https://www.tataaia.com/content/dam/tataaialifeinsurancecompanylimited/life-insurance-plans/savings-solutions/fortune-guarantee-secure/FG-Secure-V4-Policy-Document.pdf","url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-secure-110n206v04/document/16690"},{"kind":"cis","label":"Customer Information Sheet","pages":10,"fetched_at":"2026-10-17 20:05:13+00","source_url":"https://www.tataaia.com/content/dam/tataaialifeinsurancecompanylimited/life-insurance-plans/savings-solutions/fortune-guarantee-secure/Tata-AIA-Fortune-Guarantee-Secure-110N206V04-CIS%20.pdf","url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-secure-110n206v04/document/16174"}],"versions":[{"uin":"110N206V01","version":null,"approved_on":null},{"uin":"110N206V04","version":null,"approved_on":null}],"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 Secure (UIN 110N206V04), IndiaInsurances, https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-fortune-guarantee-secure-110n206v04"}