Tata AIA Life Makes Long-Term Savings Easier With Premium Offset And Guaranteed Income Options

Saving for the future is something most people want to do—but sticking to a long-term savings plan can often feel difficult. Rising household expenses, changing priorities, and the pressure of paying premiums year after year can make long-term commitments hard to sustain. To make saving simpler and more affordable, Tata AIA Life Insurance has enhanced its long-term savings plan, Fortune Guarantee Supreme*, with features that ease the financial burden while offering guaranteed returns.

Sharing the Responsibility of Saving with the ‘Premium Offset’ feature
At the heart of this enhancement is Tata AIA’s unique ‘Premium Offset’ proposition. Under this feature, customers pay premiums only for the first six years of a 12-year premium-paying term, and can choose to offset the remaining six premiums with the income benefit offered by Tata AIA. This offset structure allows customers to stay invested for the long term without the pressure of paying premiums throughout the entire term. By reducing the out-of-pocket commitment, the plan lowers the barrier to disciplined saving—especially in an environment where costs and taxes often make long-term financial commitments feel overwhelming.

Commenting on the enhancement, Sujeet Kothare, Chief of Products, Marketing, Corporate Communications & Business Mid Office, Tata AIA Life Insurance, said:
“Many consumers want to save for the long term but hesitate because the commitment often feels heavy and difficult to sustain—especially with rising costs and taxes. With the strengthened Fortune Guarantee Supreme, we are changing this experience by sharing the responsibility of saving with our customers. The premium offset proposition, combined with guaranteed income options, is designed to make disciplined saving simpler, more predictable, and easier to sustain over time.”

Clarity, Certainty, and Confidence with the ‘Power of 6’
Fortune Guarantee Supreme also offers customers the option to receive a guaranteed income and other guaranteed benefits with an attractive Internal Rate of Return (IRR) upwards of 6%, subject to policy terms and conditions. This feature, known as the ‘Power of 6’, is designed for individuals seeking certainty and regular income in the future—whether to support post-retirement needs, long-term family goals, or financial stability during later life stages.

The “Power of 6” variant strengthens the company’s focus on dependable long-term solutions by offering customers an attractive guaranteed of 6% IRR. Built for individuals planning for life goals such as children’s education, retirement, and income security, the variant combines assured returns with life insurance protection to deliver greater confidence in financial planning.

Designed for Long-Term Security
As an individual, non-linked, non-participating life insurance savings plan, Fortune Guarantee Supreme provides guaranteed benefits along with life cover throughout the policy term—ensuring continuity and financial protection even in unforeseen circumstances. Eligible premiums continue to qualify for tax benefits under Section 80C, while maturity and death benefits are exempt under Section 10(10D) of the Income Tax Act, subject to prevailing tax laws.

With these enhancements, Tata AIA Life Insurance aims to help consumers move beyond hesitation and cost-related concerns—empowering them to commit to long-term savings with greater ease, confidence, and clarity.

* Fortune Guarantee Supreme: UIN110N163V12

About Tata AIA Life

Tata AIA Life Insurance Company Limited (Tata AIA) is a joint venture Company formed by Tata Sons Pvt. Ltd. and AIA Group Ltd. (AIA). Tata AIA Life combines Tata’s pre-eminent leadership position in India and AIA’s presence as the largest, independent listed pan-Asian life insurance group in the world, spanning 18 markets in the Asia Pacific region.

Tata AIA reported a total Premium Income of INR 31,484 crore for FY25, up 23% from FY24. The Company continues to rank among the Top 3 Private Insurers in Individual Weighted New Business Premium (IWNBP) with an IWNBP income of INR 8,511 crore. The Company also achieved industry-leading Persistency performance (based on premiums), ranking #1 in four out of five cohorts.

About the Tata Group

Founded by Jamsetji Tata in 1868, the Tata group is a global enterprise, headquartered in India, comprising 30 companies across ten verticals.

The group operates in more than 100 countries across six continents, with a mission 'To improve the quality of life of the communities we serve globally, through long-term stakeholder value creation based on Leadership with Trust’.

In 2023-24, the revenue of Tata companies, taken together, was more than $165 billion. These companies collectively employ over 1 million people.

Each Tata company or enterprise operates independently under the guidance and supervision of its own board of directors. There are 26 publicly listed Tata enterprises with a combined market capitalisation of more than $365 billion as on March 31, 2024.

About AIA

AIA Group Limited and its subsidiaries (collectively “AIA” or the “Group”) comprise the largest independent publicly listed pan-Asian life insurance group. It has a presence in 18 markets –wholly-owned branches and subsidiaries in Mainland China, Hong Kong SAR(3), Thailand, Singapore, Malaysia, Australia, Cambodia, Indonesia, Myanmar, New Zealand, the Philippines, South Korea, Sri Lanka, Taiwan (China), Vietnam, Brunei and Macau SAR(4), and a 49 per cent joint venture in India. In addition, AIA has a 24.99 per cent shareholding in China Post Life Insurance Co., Ltd.

The business that is now AIA was first established in Shanghai more than a century ago in 1919. It is a market leader in Asia (ex-Japan) based on life insurance premiums and holds leading positions across the majority of its markets. It had total assets of US$305 billion as of 31 December 2024.

AIA meets the long-term savings and protection needs of individuals by offering a range of products and services including life insurance, accident and health insurance and savings plans. The Group also provides employee benefits, credit life and pension services to corporate clients. Through an extensive network of agents, partners and employees across Asia, AIA serves the holders of more than 43 million individual policies and 16 million participating members of group insurance schemes.

AIA Group Limited is listed on the Main Board of The Stock Exchange of Hong Kong Limited under the stock codes “1299” for HKD counter and “81299” for RMB counter with American Depositary Receipts (Level 1) traded on the over-the-counter market under the ticker symbol “AAGIY”.