Build financial certainty with thoughtful saving.
Explore saving-oriented insurance solutions designed around income, maturity benefits, life protection and long-term financial goals.
Save with a purpose.
Understand income-oriented and savings-focused insurance options before you choose.
Saving is more meaningful when it has a purpose.
Financial goals can vary—from creating a future income stream to planning for a milestone while maintaining life protection.
Saving-oriented insurance products can combine different elements such as income benefits, maturity benefits and life cover, depending on the selected plan.
Maa Bhagwati Fintech helps customers across India understand these options in simple language so they can review the features that matter to them.
What You Can Plan For
- Future income needs
- Long-term savings goals
- Maturity-oriented planning
- Life protection for loved ones
- Financial milestones
- Tax benefits, where applicable
Explore the available saving solutions.
The following plans and features are based on the insurance-category product information supplied for Maa Bhagwati Fintech. Benefits are subject to product terms, eligibility and applicable conditions.
Tata AIA Life Insurance Fortune Guarantee Plus
A saving-oriented insurance solution offering income-focused options along with life protection.
- Flexibility to choose Regular Income or Regular Income with an inbuilt Critical benefit.
- Flexibility to choose an Income Period from 20 to 45 years.
- Return of premium at the end of the Income Period, subject to applicable terms.
- Choice to receive income monthly or annually.
- Flexible premium payment term: Single, Regular and Limited Pay.
- Option of Joint Life under Single Premium payment option.
- Optional Riders available to enhance protection.
- Tax benefits as per applicable tax laws.
Tata AIA Life Insurance Fortune Guarantee Plus POS
A POS version of Fortune Guarantee Plus with income-oriented features and life protection, subject to applicable terms.
- Flexibility to choose Regular Income or Regular Income with an inbuilt Critical benefit.
- Flexibility to choose an Income Period from 20 to 45 years.
- Return of premium at the end of the Income Period, subject to applicable terms.
- Choice to receive income monthly or annually.
- Flexible premium payment term: Single, Regular and Limited Pay.
- Option of Joint Life under Single Premium payment option.
- Optional Riders available to enhance protection.
- Tax benefits as per applicable tax laws.
Tata AIA Life Insurance Smart Income Plus
A savings and income-oriented solution with flexibility around plan options and income periods.
- Flexibility to choose between Regular Income and Endowment plan options.
- Under Regular Income, receive guaranteed payouts along with a Maturity Benefit, subject to applicable terms.
- Option to choose income start year and number of years for receiving income.
- Under Endowment, receive two guaranteed payouts: in the year preceding maturity and on maturity, subject to applicable terms.
- Preferential benefit for female life, where applicable.
- Life cover throughout the policy term.
- Optional Riders.
- Tax benefits as per applicable laws.
Tata AIA Life Guaranteed Return Insurance Plan
A saving-oriented insurance plan offering flexibility around plan selection and life protection.
- Flexibility to choose the plan option.
- Flexibility to cover your spouse in the same policy under the Whole Life Income Option.
- Choice of policy term with Limited Premium Payment Term.
- Life cover throughout the policy term.
- Optional Riders.
- Tax benefits as per applicable laws.
Tata AIA Life Guaranteed Return Insurance Plan POS
A POS variant offering saving-oriented benefits and life protection, subject to applicable product terms.
- Flexibility to choose the plan option.
- Flexibility to cover your spouse in the same policy under the Whole Life Income Option.
- Choice of policy term with Limited Premium Payment Term.
- Life cover throughout the policy term.
- Optional Riders.
- Tax benefits as per applicable laws.
Tata AIA Fortune Guarantee Supreme
A flexible saving-oriented solution with income, maturity and protection features.
- Option to choose guaranteed income from the first year or defer it after the premium payment term, subject to terms.
- Option to choose a maturity benefit at the end of the policy term.
- Special premium discount of 2% in the first year for women customers, where applicable.
- Grow income by accumulating it in a Sub-Wallet and earn loyalty additions, subject to product terms.
- Option to receive income on a Special Date of your choice.
- Premium Offset option to adjust premiums against income.
- Life cover throughout the policy term.
- Comprehensive coverage with riders.
- Tax benefits as per applicable laws.
Tata AIA Life Insurance Smart Value Income Plan
An income-oriented solution with plan flexibility and continued life protection features.
- Two plan options: Cash Bonus and Accumulating Cash Bonus, subject to declaration and applicable terms.
- Flexibility to choose Premium Payment Term and Policy Term.
- Life Protect Feature: full life cover continues even when the policy is converted to paid-up, subject to applicable terms.
- Optional Riders.
- Tax benefits as per applicable laws.
Tata AIA Fortune Guarantee Secure
A flexible solution designed around income planning, savings and protection.
- Flexibility to choose from four plan options as per financial goals.
- Advanced income option to receive income immediately after the stated policy-issuance period, subject to terms.
- Sub-Wallet feature with withdrawal flexibility, subject to applicable terms.
- Special 2% first-year premium discount for women customers, where applicable.
- Premium Offset feature to offset premium against survival benefit payouts.
- Tax benefits on premiums and benefits, as per applicable laws.
Tata AIA Fortune Guarantee Secure POS
A POS version of Fortune Guarantee Secure with saving, income and protection-oriented features.
- Flexibility to choose from four plan options as per financial goals.
- Advanced income option to receive income immediately after the stated policy-issuance period, subject to terms.
- Sub-Wallet feature with withdrawal flexibility, subject to applicable terms.
- Special 2% first-year premium discount for women customers, where applicable.
- Premium Offset feature to offset premium against survival benefit payouts.
- Tax benefits on premiums and benefits, as per applicable laws.
Tata AIA Life Insurance Diamond Savings Plan
A savings-focused insurance solution combining savings benefits with life protection.
- Receive guaranteed income after the premium payment term, subject to applicable terms.
- Vested Compound Reversionary Bonus and Terminal Bonus on maturity, as applicable.
- Flexible policy term and premium paying term.
- Life cover for the entire policy term.
- Optional Riders.
- Tax benefits as per applicable income-tax laws.
Tata AIA Life Insurance Diamond Savings Plan Plus
A savings-oriented insurance solution with income, maturity and life protection features.
- Receive guaranteed income after the premium payment term, subject to applicable terms.
- Vested Compound Reversionary Bonus and Terminal Bonus on maturity, as applicable.
- Flexible policy term and premium paying term.
- Life cover for the entire policy term.
- Optional Riders.
- Tax benefits as per applicable income-tax laws.
Tata AIA Life Insurance Fortune Guarantee
A saving-oriented insurance solution focused on maturity benefits and life protection.
- Guaranteed lump-sum benefit on maturity, subject to applicable terms.
- Life cover throughout the policy term for financial protection of loved ones.
- Flexible policy term and premium paying term.
- Additional maturity benefit for female lives, where applicable.
- Option to enhance protection through Riders.
- Tax benefits as per applicable laws.
Tata AIA Shubh Flexi Income Plan
A flexible income-oriented solution with multiple plan options and features designed around different financial goals.
- Three plan options: Endowment, Early Income and Deferred Income.
- Flexibility to choose higher Cash Bonus through the deferment option, subject to applicable terms.
- Choice of Waiver of Premium option.
- Choice of Cover Continuance Benefit.
- Sub-Wallet feature with withdrawal flexibility, subject to applicable terms.
- Freedom to combine multiple plan options for tailored solutions.
- Flexibility to choose level of life cover.
- Multiple discounts, where applicable.
Compare the things that matter to you.
A saving solution should be evaluated in the context of your goals, affordability and required protection.
Define the Purpose
Identify whether your priority is future income, a maturity goal, savings or a combination of savings and protection.
Review Premium Commitment
Consider the premium payment term, policy term and whether the commitment fits your financial situation.
Read the Product Terms
Review applicable benefits, exclusions, charges, conditions and tax provisions before purchasing.
Saving plan questions, answered simply.
What is a saving plan?
A saving plan is a financial product designed to help build savings over time. Some insurance-based saving plans can also provide life cover and specified income or maturity benefits.
Are saving plans guaranteed?
Some plans may offer guaranteed benefits, while others may include bonuses or market-linked elements. Always check the specific product terms.
How should I choose a saving plan?
Compare the goal, premium commitment, policy term, benefits, liquidity, protection and applicable conditions before choosing.
Saving Solutions FAQ
Let's discuss your saving goals.
Speak with Maa Bhagwati Fintech to understand the available saving-oriented insurance solutions for your requirements.