About Tata AIA Shubh Muhurat
Know More About the Plan
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Plan Benefits
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Plan Eligibility
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Commission-related information
Disclaimer
Shubh Muhurat Solution is a combination of Tata AIA Life Insurance Fortune Guarantee Secure (Individual, Non-Linked, Non-Participating, Life Insurance Savings Plan) UIN:110N206V03 and Tata AIA Life Insurance Smart Fortune Plus (Unit Linked, Individual Life Insurance Savings Plan)-UIN:110L177V01.
- These products are also available for sale individually without the combination offered/ suggested. This benefit illustration is the arithmetic combination and chronological listing of combined benefits of individual products. The customer is advised to refer the detailed sales brochure of respective individual products mentioned herein before concluding sale.
- Tata AIA Benefit Protection Rider - A Non-Linked, Non-Participating Individual Pure Risk Health Rider (UIN: 110B049V03)
- 1Return of invested premium in the form of Regular Income or Lumpsum benefit through Tata AIA Life Insurance Fortune Guarantee Secure (Individual, Non-Linked, Non-Participating, Life Insurance Savings Plan)
- 2All funds open for new business which have completed 5 years since inception are rated 4 star or 5 star by Morningstar as of August 2024
- 3©2025 Morningstar. All rights reserved. The Morningstar name is a registered trademark of Morningstar, Inc. in India, and other jurisdictions. The information contained here: (1) includes the proprietary information of Morningstar, Inc. and its affiliates, including, without limitation, Morningstar India Private Limited (“Morningstar”); (2) may not be copied, redistributed or used, by any means, in whole or in part, without the prior, written consent of Morningstar; (3) is not warranted to be complete, accurate or timely; and (4) may be drawn from data published on various dates and procured from various sources and (5) shall not be construed as an offer to buy or sell any security or other investment vehicle. Neither Morningstar, Inc. nor any of its affiliates (including, without limitation, Morningstar) nor any of their officers, directors, employees, associates, or agents shall be responsible or liable for any trading decisions, damages or other losses resulting directly or indirectly from the information.
- 4Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfillment of conditions stipulated therein. Income Tax laws are subject to change from time to time. Tata AIA Life Insurance Company Ltd. does not assume responsibility on tax implication mentioned anywhere in this document. Please consult your own tax consultant to know the tax benefits available to you.
- 5The waiver of Premium benefit is from TATA AIA Benefit Protection Rider (UIN: 110B049V02) or any later version.
In case of terminal illness or unfortunate death, all your future premiums payable under base policy will be waived off. Further, all the future survival/maturity benefits of the base policy shall continue as in-force. For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale. The precise terms and condition of this plan are specified in the Policy Contract.
- These products are underwritten by Tata AIA Life Insurance Company Limited.
- The customer is advised to refer the detailed product brochure of respective individual products, segregated premium particulars of each product.
- The premium amounts shown in the illustration above is indicative and calculated assuming that the life Proposed/ Assured is a healthy person.
- Depending upon the factors such as health, occupation of the customer and other intrinsic factors such as non-submission of documentary evidence like age proof, the premium will be adjusted accordingly, as per the underwriting guidelines of Tata AIA Life Insurance Company Limited.
- For details of the rates and the terms and conditions applicable to the particular person/ policy, kindly refer to the specifications in the policy document after issuance.
- For more details on risk factor, terms and conditions, please read Sales brochure of the particular plan carefully before concluding a sale. For more details on risk factors, terms and conditions please visit us at: www.tataaia.com
- The fund is managed by Tata AIA Life Insurance Company Ltd. (hereinafter the "Company").
- Past performance is not indicative of future performance. Returns are calculated on an absolute basis for a period of less than (or equal to) a year, with reinvestment of dividends (if any).
- Please make your own independent decision after consulting your financial or other professional advisor.
- All investments made by the Company are subject to market risks. The Company does not guarantee any assured returns. The investment income and price may go down as well as up depending on several factors influencing the market.
- The performance of the managed portfolios and funds is not guaranteed, and the value may increase or decrease in accordance with the future experience of the managed portfolios and funds.
- To know the details of premium and benefits for each plan of this combination solution please go through the benefit illustration of individual product as provided to you.
- The benefits available under this combination shall be as per the respective product's terms and conditions. All Premiums, Charges and interest payable under the policy are exclusive of applicable taxes, duties, surcharge, cesses or levies which will be entirely borne/ paid by the Policyholder, in addition to the payment of such Premium, charges or interest. Tata AIA Life shall have the right to claim, deduct, adjust, recover the amount of any applicable tax or imposition, levied by any statutory or administrative body, from the benefits payable under the Policy.
- Insurance cover is available under these products.
- All reference to age is as on last birthday.
- These plans are not a guaranteed issuance plan, and it will be subject to Company's underwriting and acceptance.
- Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs, and the Surrender Value payable may be less than the total premiums paid.
- Unit Linked Life Insurance products are different from traditional insurance products and are subject to risk factors.
- Premium paid in ULIPs are subject to investment risks associated with capital markets & the NAV of the units may go up or down based on the performance of the fund and factors influencing capital markets & the insured is responsible for his/her decision.
- Tata AIA Life Insurance Company Limited is only the name of the Insurance Company & Tata AIA Life Insurance Smart Fortune Plus is only the name of the Unit Linked Life Insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns.
- No Goods and Service Tax shall be applicable on Individual life insurance products as per prevailing laws.
- Please know the associated risks and the applicable charges, from your insurance agent or the Intermediary or policy document issued by the insurance company.
- Various funds offered are the names of funds and do not, in any way, indicate the quality of the funds, their future prospects & returns
- L&C/Advt/2026/Mar/1691
HDFC Bank Limited (4621612) (IRDAI Registration No: CA0010) is the Corporate Agent of Tata AIA Life Insurance Company Limited and does not underwrite the risk or act as an insurer. HDFC Bank Limited, HDFC Bank House, Senapati Bapat Marg, Lower Parel (West), Mumbai - 400 013.
Participation by the Bank’s clients in the Insurance products is purely on a voluntary basis. The contract of Insurance is between Tata AIA Life and the Insured and not between HDFC Bank and the Insured.
Tata AIA Life Insurance Company Limited (IRDAI Regn. No. 110) CIN: U66010MH2000PLC128403. Registered & Corporate Office: 14th Floor, Tower A, Peninsula Business Park, Senapati Bapat Marg, Lower Parel, Mumbai - 400013. Trade logo displayed above belongs to Tata Sons Ltd and AIA Group Ltd. and is used by Tata AIA Life Insurance Company Ltd under a license. For any information including cancellation, claims and complaints, please contact our Insurance Advisor / Intermediary or visit Tata AIA Life's nearest branch office or call 1-860-266-9966 (local charges apply) or write to customercare@tataaia.com. Visit us at: www.tataaia.com
Frequently Asked Questions
The Benefit Protect Rider provides immediate death benefit for family in case of death of the life insured, waives future premiums, ensuring policy continuity and helps pays maturity benefit to the nominees.
MWPA (Married Women’s Property Act) ensures that policy benefits are exclusively secured for your family and protected from creditors or lenders.
Tata AIA Shubh Muhurat is ideal for parents aspiring to plan a grand wedding or other significant milestones for their child.
You can avail of tax4 benefits on premiums paid and policy payouts as per prevailing tax laws.
Marriage holds a special place in Indian culture, often regarded as one of the most significant milestones in a child’s life. Studies show that:
- Often Indian parents prioritise saving for their child’s marriage over other major life goals like buying a house or retirement planning.
- In 2024, the average Indian wedding costs ₹36 lakh, rising to ₹51 lakh for destination weddings. These budgets are expected to grow with time due to evolving trends and inflation.
- Indian families spend nearly one-fifth of their lifetime wealth on weddings, as these occasions go beyond mere celebrations; they are often seen as status symbols and a reflection of parents' aspirations to provide their child with a dream wedding.
- Early investing helps you fulfil your child's wedding aspirations without compromising other life goals.