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Tata AIA Life Insurance Fortune Guarantee Pension Plan Review: Good or Bad?

Tata AIA Life Insurance Fortune Guarantee Pension Plan Review: Good or Bad?

by Holistic Leave a Comment | Filed Under: Insurance

Listen to this article


Retirement is a period in your life where you get time for yourself.

Retirement planning is essential to have a worry-free retirement.

Tata AIA Fortune Guarantee Pension Plan proclaims that it provides regular guaranteed income for life.

This in-depth IRR analysis gives an idea of whether to buy this plan for your post-retirement income or not in detail below.

Table of Contents:

1.)What is Tata AIA Fortune Guarantee Pension Plan?
2.)Features of the Tata AIA Fortune Guarantee Pension Plan
3.)Eligibility Criteria of the Tata AIA Fortune Guarantee Pension Plan
4.)Annuity Options of the Tata AIA Fortune Guarantee Pension Plan
5.)Benefits under the Tata AIA Fortune Guarantee Pension Plan

  • Immediate Life Annuity
  • Immediate Life Annuity with Return of Purchase Price
  • Deferred Life Annuity (GA-I) with Return of Purchase
  • Deferred Life Annuity (GA-II) with Return of Purchase Price

6.)The Grace Period, Revival & Paid-up of the Tata AIA Fortune Guarantee Pension Plan
7.)Free Look-Up Period of the Tata AIA Fortune Guarantee Pension Plan
8.)Surrendering the Tata AIA Fortune Guarantee Pension Plan
9.)Advantages of the Tata AIA Fortune Guarantee Pension Plan
10.)Disadvantages of the Tata AIA Fortune Guarantee Pension Plan
11.) Research Methodology
12.) IRR Analysis of the Tata AIA Fortune Guarantee Pension Plan
13.) Tata AIA Fortune Guarantee Pension Plan Vs Other Investment Products
14.) Final Verdict on the Tata AIA Fortune Guarantee Pension Plan

What is Tata AIA Fortune Guarantee Pension Plan?

It is a Non-Linked, Non-Participating, Annuity Plan. It helps you gain Financial Freedom during your second innings. The plan offers you a regular guaranteed income for life to help you manage your expenses post-retirement.

The Group version of this product helps Employer-Employee groups to purchase annuities in respect of annuity payments for their members.

Features of the Tata AIA Fortune Guarantee Pension Plan

  • Premium Paying term at your convenience – Single, or Regular or Limited
  • Option to increase annuity through Top-up premiums.
  • Multiple annuity options to suit your needs.
  • High purchase price benefit to encourage you to save more.

Eligibility Criteria of the Tata AIA Fortune Guarantee Pension Plan

Some of the basic information we need to know to enter this plan is given at a glance below;

  Minimum Maximum
Entry Age For PoS Option: 40 years
Other than POS 30 years
For PoS Option: 70 years
Other than POS Option 1 & 2: 85 years
Option 3 & 4: 84 years
Premium Payment Term Single Pay 1 year
Regular / Limited Pay 5 years 12 years
Deferment Period Single Pay 1 year 10 years
Regular Pay Equal to Premium Payment Term
Limited Pay Premium Payment Term + 1-year Premium Payment Term + 5 years
Annuity Amount Yearly in arrears: Rs. 12 (in ‘000s)
Yearly in advance: Rs. 12 (in ‘000s)
Half Yearly in arrears: Rs. 6 (in ‘000s)
Quarterly in arrears: Rs. 3 (in ‘000s)
Monthly in arrears: Rs. 1 (in ‘000s)
No limit
Purchase Price Corresponding to the minimum annuity amount above As per the maximum annuity chosen
Group size 5 No limit
Premium Paying Modes Single, Annual, Half-Yearly, Quarterly, and Monthly

Annuity Options of the Tata AIA Fortune Guarantee Pension Plan

  1. Immediate Life Annuity
  2. Immediate Life Annuity with Return of Purchase Price
  3. Deferred Life Annuity (GA-I) and with Return of Purchase Price
  4. Deferred Life Annuity (GA-II) and with Return of Purchase Price

Plan Options 1 and 2 are available under the Single Pay & Single Life and Joint Life basis Plan.

Options 3 and 4 are available under the Single, Limited, and Regular Pay & Single Life and Joint Life basis Plan.

Benefits under the Tata AIA Fortune Guarantee Pension Plan

Let us look at the Annuity payment, Death benefit & Guaranteed Addition under each option;

    1. Immediate Life Annuity
    2. An annuity shall be paid till the annuitant(s) is/are alive. There is no death benefit payable under this option. Annuity payments commence immediately as per the frequency chosen. There is no Guaranteed addition under this option.

    3. Immediate Life Annuity with Return of Purchase Price
    4. An annuity is paid till the annuitant(s) is/are alive and annuity payments commence immediately as per the frequency chosen. The death benefit is the Total Premiums Paid to date. There is no Guaranteed addition under this option.

    5. Deferred Life Annuity (GA-I) with Return of Purchase
    6. An annuity is paid till the annuitant(s) is/are alive and annuity payments commence post the end of the Deferment Period as per the frequency chosen.

      Death benefit payable within Deferment Period:

      Death Benefit is higher of –

      Total Premiums Paid up to date of death + Accrued Guaranteed Additions
      105% of the Total Premiums Paid up to the date of death.

      Death benefit payable Post Deferment Period:

      Total Premiums Paid (excluding loading for modal premiums) up to date of death + Max (Accrued Guaranteed Additions − Total Annuity pay-outs till the date of death, 0).

      Guaranteed Addition:

      GA-I = 1/12th of the Yearly Annuity amount

    7. Deferred Life Annuity (GA-II) with Return of Purchase Price

    An annuity is paid till the annuitant(s) is/are alive and annuity payments commence post the end of the Deferment Period as per the frequency chosen.

    Death benefit payable within Deferment Period:

    Death Benefit is higher of –

    Total Premiums Paid up to date of death + Accrued Guaranteed Additions
    105% of Total Premiums Paid up to the date of death

    Death benefit payable Post Deferment Period:

    Total Premiums Paid (excluding loading for modal premiums) up to date of death + Max (Accrued Guaranteed Additions − Total Annuity pay-outs till the date of death, 0)

    Guaranteed Addition

    GA-II = 1/12th of 6% of Total Premiums Paid

    There is no Maturity benefit under this plan. The death benefit under Single Life is payable on the death of the annuitant & for Joint Life, it is payable on later of the death of the two annuitants.

    The Grace Period, Revival & Paid-up of the Tata AIA Fortune Guarantee Pension Plan

    Grace period:

    This plan has a grace period of 30 days for yearly, half-yearly, and quarterly frequencies from the premium due date. The grace period for the monthly frequency is 15 days from the premium due date.

    Revival Period:

    If a premium is in default beyond the Grace Period and subject to the Policy not having been surrendered, it may be reinstated/revived, within five years after the due date of the first unpaid premium and before the end of the deferment period.

    Paid up Benefit:

    If you have not paid at least two (2) full years of Premiums, the Policy will be converted to a lapsed Policy at the end of the grace period, and no benefit will be payable.

    If you have paid at least two (2) full-year Premiums, and subsequent Premiums have not been paid, your Policy will be converted to a Paid-up Policy at the end of the grace period and the Annuity amount will be converted to Paid-up Annuity.

    Paid-up Annuity = (t/n) * Original Annuity Amount

    Where “t” is the total period for which premiums have already been paid “n” is the maximum period for which premiums were originally payable.

    Free Look-Up Period of the Tata AIA Fortune Guarantee Pension Plan

    If the Annuitant is not satisfied with the terms & conditions/ features of the Tata AIA Fortune Guarantee Pension Policy, he/she has the right to cancel the Policy within 15 days of receiving the Policy Document. The said period of 15 days shall stand extended to 30 days if the policy is sourced through electronic or distance marketing mode.

    Surrendering the Tata AIA Fortune Guarantee Pension Plan

    No surrender benefit is applicable for Option 1.

    For Single Pay: The policy acquires surrender value at any time after Policy Commencement Date.

    For Regular / Limited Pay: The policy acquires surrender value provided at least 2 full years’ premiums have been paid.

    Advantages of the Tata AIA Fortune Guarantee Pension Plan

    • Joint Life option is available under all variants.
    • Guaranteed addition during the deferment period.
    • Guaranteed Income for life & the Annuity frequency can be chosen as per convenience.
    • There is an option (“Top-Up”) to increase the annuity by paying an additional Purchase Price/ Premium as a Single Pay.
    • Loan can be availed & the maximum loan amount is 80% of the surrender Value.

    Disadvantages of the Tata AIA Fortune Guarantee Pension Plan

    • You receive the same annuity amount without adjusting to inflation during your entire lifetime.
    • The annuity can’t solely rely on post-retirement expenses.
    • Annuity is taxable as per your slab rate.

    For further details, you can refer to the Tata AIA Fortune Guarantee Pension Policy Brochure.

    Research Methodology

    When it comes to retirement planning, utmost care should be given during the accumulation phase as well as the disbursement period.

    For an Immediate annuity, there is only the disbursement phase & there are both phases under the Deferred Annuity.

    Tata AIA Fortune Guarantee Pension has both variants with the return of purchase price & without the return of purchase price.

    Let us analyze the cash flow under each variant & figure out the internal rate of return of the Tata AIA Fortune Guarantee Pension Plan. This will help you to estimate how far it is beneficial to you in the long run.

    IRR Analysis of the Tata AIA Fortune Guarantee Pension Plan

    The Assumptions for Comparison:

    Option 1:

    Age at Entry: 60 years

    Premium Payment Term: Single Pay – Rs. 25 Lakhs

    Annuity Payment Frequency: Annual

    Return of Purchase Price: Nil

    Option 2:

    Age at Entry: 60 years

    Premium Payment Term: Single Pay – Rs. 25 Lakhs

    Annuity Payment Frequency: Annual

    Return of Purchase Price: At Maturity/Death

    Option 4:

    Age at Entry: 60 years

    Premium Payment Term: 5 years

    Deferment Period: 5 years

    Annual Premium: Rs. 1 Lakh

    Annuity Payment Frequency: Annual

    Return of Purchase Price: At Maturity/Death

    Let us look at the IRR calculations of all the options in the below table;

    Age Option 1 Immediate Life Annuity Option 2 Immediate Life Annuity with Return of Purchase Price Option 4 Deferred Life Annuity (GA-II) with Return of Purchase Price
    60 -25,00,000 -25,00,000 -1,00,000
    61 2,00,550 1,54,550 -1,00,000
    62 2,00,550 1,54,550 -1,00,000
    63 2,00,550 1,54,550 -1,00,000
    64 2,00,550 1,54,550 -1,00,000
    65 2,00,550 1,54,550 –
    66 2,00,550 1,54,550 38,350
    67 2,00,550 1,54,550 38,350
    68 2,00,550 1,54,550 38,350
    69 2,00,550 1,54,550 38,350
    70 2,00,550 1,54,550 38,350
    71 2,00,550 1,54,550 38,350
    72 2,00,550 1,54,550 38,350
    73 2,00,550 1,54,550 38,350
    74 2,00,550 1,54,550 38,350
    75 2,00,550 1,54,550 38,350
    76 2,00,550 1,54,550 38,350
    77 2,00,550 1,54,550 38,350
    78 2,00,550 1,54,550 38,350
    79 2,00,550 1,54,550 38,350
    80 – 25,00,000 5,00,000
           
    IRR 4.62% 6.01% 5.54%

    We have worked out the IRR for the given variants. By inferring the table, it is clear that if the return of purchase price is not chosen, then the annual annuity amount will be high.

    By analyzing the various option, it is evident that the annuity rate is between 4.6% & 6%. This rate is below the inflation rate.

    Considering the inflation during the post-retirement period & also the rising medical expenses, investing your hard-earned money at this level of low yield wouldn’t be beneficial in the long run.

    Even the bank FD interest rate for senior citizens is better than the Tata AIA Fortune Guarantee Pension Plan’s return in the long run. Also, there is no liquidity, the funds get locked once the plan is purchased.

    Tata AIA Fortune Guarantee Pension Plan Vs Other Investment Products

    Now we can compare the Tata AIA Fortune Guarantee Pension Plan with other investments where you get regular income. For regular cash flow, you can opt for;

    • Fixed Deposits
    • Systematic Withdrawal Plan (Debt Mutual Funds)
    • Post office Saving schemes Viz Pradhan Mantri Vaya Vandana Yojana (PMVVY)
    • Senior Citizen Savings Scheme (SCSS)
    • RBI Floating Rate Bond

    Fixed Deposits: FDs are a low-risk investment option where the investor deposits a lump sum amount for a fixed period and receives regular interest payments on the investment. The interest rate offered on FDs is fixed at the time of investment, and the investor knows the exact amount of interest they will earn. The interest earned is taxable (Exempt up to Rs. 50000 for Senior citizens).

    Systematic Withdrawal Plan (SWP): Through SWP, you can withdraw money at regular intervals from the initial investment made in the Mutual fund scheme. Debt Mutual funds are generally advisable for SWP. Debt mutual funds returns are taxable as per the investor’s tax slab. Debt mutual funds offer higher returns than FDs, but they are not as safe as FDs.

    You can refer to the following table for other risk-free investments similar to Tata AIA Fortune Guarantee Pension.

      PMVVY SCSS RBI floating rate Bond
    Interest Rate (As on Feb 2023) 7.4% 8% 7.35%
    Tenure 10 years 5 years 7 years
    Frequency of Pay-out Yearly, half-yearly, quarterly, monthly Quarterly Half-yearly
    Maximum Investment Amount Rs. 15 Lakhs Rs. 30 Lakhs No Limit
    Taxation Fully Taxable Exempt up to Rs. 50 K as Per Sec 80 TTB Fully Taxable
    Premature Withdrawal Allowed Allowed Allowed (For Senior citizens)
    Return on the Purchase price (Investment Amount) Returned at the end of Tenure

    The above products also offer fixed income. From a returns & liquidity perspective, they are superior to the Tata AIA Fortune Guarantee Pension Plan.

    Final Verdict on the Tata AIA Fortune Guarantee Pension Plan

    Tata AIA Fortune Guarantee Pension Plan provides a guaranteed regular income for the lifetime of the investor but offers lower returns compared to other investments.

    In addition to that, annuities are perpetual. Thereby, the funds get locked at the prevailing interest rate. On the other hand, the cost of living & medical expenses is towering. It is difficult to cope with inflation in old age.

    Divide your retirement corpus into different buckets or portfolios, each with a specific time horizon and risk profile. You can diversify your investment portfolio. The primary objective of the diversification strategy is to ensure a steady and reliable stream of income at the same time to provide growth opportunities to maintain the purchasing power of the retirement corpus over time.

    By investing your retirement corpus as stated above, you can very well earn an inflation-adjusted income year after year.

    Carefully consider the risks and returns of each investment option before making a decision or consult your Financial Advisor to avoid any pitfalls.


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Jey S
Jey S
24. September, 2021.
I have been using Holistic Investment Planners for the last three years. Mr. Srinivasavaradhan answered all my questions and doubts very patiently during the first free consultation. I was able to clearly define my short-, medium- and long-term goals once I signed up for the comprehensive plan and got their investment plan suggestion to achieve my goals. They are very polite and highly professional whenever I contact them for any queries or make investments. They never pressurize you to invest on their recommended financial products. I would have been lost money by investing directly without their help since I do not have time and knowledge about different financial products. Risk planning is also done as part of financial planning. Truly, they are holistic planners when it comes to your financial planning. They help you to define your life goals, understand your financial resources and establish a plan to invest towards reaching those goals. They do review your plan as you progress to make sure that you are on correct path to achieve those goals. Kudos to the team and keep up the good work!!! I am happy that I found holistic investment planners for my financial planning and management.
aksaswadkar
aksaswadkar
24. September, 2021.
I was about to retire and really not understanding how to invest money to have financial freedom and fulfilling my goals. Was desperately searching on internet way out and fortunately came across Holistic Investment Planners. I read number of articles on their website and realized that this is the agency which I want and engaged their services for my retirement planning. It is an excellent experience to be associated with Holistic. Right from day one our interaction was fantastic and they gave me such a wonderful plan that I had never imagined. I am fortunate enough to be in the client list of Holistic. I have recommended Holistic to my friends as well.
Lionel Faber
Lionel Faber
16. September, 2021.
I've been availing their services for the past year. They are highly knowledgeable in the field and are very patient with all doubts and queries. Personalized financial planning is provided keeping your short term, medium term and long term goals in mind. They do not pressurize you to purchase schemes of their choice. They provide their input and suggestions and leave the decision up to you which shows their honesty and high principle.
Sridhar
Sridhar
8. September, 2021.
Financial planning brings peace in life. Holistic Investment have supported in arriving financial plan based on future goals. My investments are regular since then. They are professionals in their business, will recommend others.
Nitesh Agrawal
Nitesh Agrawal
6. September, 2021.
I have been using Holistic Investment Planners from last one year. The journey has been fantastic. Being a finance person myself I always thought we can look after and plan own finances also. However, due to lack of time and deciplain the things are not always as desired. After joining with Holistic Investment for the first time Icame to know the Financial goals and quantified them. Some dreams were unrealistic based on the earnings and savings so had a reality check. Also got the information and deciplain of investing on regular and more rewarding securities. I definetly suggest to use Holistic Investment Planners. They are professionals, available and hear youor full story before presenting plans. They are flexile in the sense if there are some urgent deviations required, they help to plan the same. For all professionals/individuals I would suggest using professional help of Holistic Investment Planners for best results in long term investment and financial goals achivements. Last advise will be to start early in your life. It really pays well to start in the beginning itself else the dreams needs to adjust :)
Swetha Vasanth
Swetha Vasanth
6. September, 2021.
This is my first year service with the Holistic Team and I would say that they are very much helpful in creating a financial plan and follow ups during the year. I would definitely suggest them if anyone who is willing to proceed with their savings professionally.
Joseph Mathias
Joseph Mathias
6. September, 2021.
I came to know about Holistic Investment Planners online while searching for different investment ideas. Once I contacted them the journey was very smooth. Mr. Ramalingam explained all the aspects of Financial planning in detail and it opened my mind. I realized how important it is to have a Financial planning. Mr. Rajan suggested all the requirements as per my goals and made a Investment plan keeping in mind of my goals. I started my Investment journey with them. I wish I had done it some years back then it would have been in a different level. Review meetings were held every six month to check the implementation of the plan and check the results as per the requirements and to check if any changes required. Overall it was a good experience with Holistic Investment team and would like to continue in the years to come.
Srinvas Kannan
Srinvas Kannan
30. July, 2021.
I came across Holistic investment planners almost 5-6 years back, but I did not have the trust since I had met a few of them who did not sound promising. Then I started investing through a financial advisor of my friend. After 4 years of investing the returns were very low. I was disappointed and started looking for financial advisors when I came across Holistic investment. I had a detailed discussion about my goals and the way they would approach achieving my goal before deciding to switch my investments to them. After a thorough analysis of my then existing portfolios, they suggested new ones and we zeroed-in on 6 schemes/funds where our investment would be split. I am glad I made the decision of switching over and taking Holistic planner's advise, my returns are handsome and I only wish I could have taken their help/advise 5 years back itself. Neverthless, I would like to recommend their services for investment and financial advise if someone is serious about their investments.
Shivaram Andiappan Selvaraj
Shivaram Andiappan Selvaraj
3. July, 2021.
I got a free first time consultation. I got my doubts resolved. They also gave additional advises for investment planning which was also useful.
Nellai B
Nellai B
26. June, 2021.
I have been associated with them for the past three years. They are very professional and polite in answering all our questions. I have complete trust in their suggestions. I strongly recommend for anyone. I am looking forward to have strong and successful association with them.
Google rating score: 4.4 of 5,
based on 61 reviews

Google Reviews

Jey S
Jey S
24. September, 2021.
I have been using Holistic Investment Planners for the last three years. Mr. Srinivasavaradhan answered all my questions and doubts very patiently during the first free consultation. I was able to clearly define my short-, medium- and long-term goals once I signed up for the comprehensive plan and got their investment plan suggestion to achieve my goals. They are very polite and highly professional whenever I contact them for any queries or make investments. They never pressurize you to invest on their recommended financial products. I would have been lost money by investing directly without their help since I do not have time and knowledge about different financial products. Risk planning is also done as part of financial planning. Truly, they are holistic planners when it comes to your financial planning. They help you to define your life goals, understand your financial resources and establish a plan to invest towards reaching those goals. They do review your plan as you progress to make sure that you are on correct path to achieve those goals. Kudos to the team and keep up the good work!!! I am happy that I found holistic investment planners for my financial planning and management.
aksaswadkar
aksaswadkar
24. September, 2021.
I was about to retire and really not understanding how to invest money to have financial freedom and fulfilling my goals. Was desperately searching on internet way out and fortunately came across Holistic Investment Planners. I read number of articles on their website and realized that this is the agency which I want and engaged their services for my retirement planning. It is an excellent experience to be associated with Holistic. Right from day one our interaction was fantastic and they gave me such a wonderful plan that I had never imagined. I am fortunate enough to be in the client list of Holistic. I have recommended Holistic to my friends as well.
Lionel Faber
Lionel Faber
16. September, 2021.
I've been availing their services for the past year. They are highly knowledgeable in the field and are very patient with all doubts and queries. Personalized financial planning is provided keeping your short term, medium term and long term goals in mind. They do not pressurize you to purchase schemes of their choice. They provide their input and suggestions and leave the decision up to you which shows their honesty and high principle.
Sridhar
Sridhar
8. September, 2021.
Financial planning brings peace in life. Holistic Investment have supported in arriving financial plan based on future goals. My investments are regular since then. They are professionals in their business, will recommend others.
Nitesh Agrawal
Nitesh Agrawal
6. September, 2021.
I have been using Holistic Investment Planners from last one year. The journey has been fantastic. Being a finance person myself I always thought we can look after and plan own finances also. However, due to lack of time and deciplain the things are not always as desired. After joining with Holistic Investment for the first time Icame to know the Financial goals and quantified them. Some dreams were unrealistic based on the earnings and savings so had a reality check. Also got the information and deciplain of investing on regular and more rewarding securities. I definetly suggest to use Holistic Investment Planners. They are professionals, available and hear youor full story before presenting plans. They are flexile in the sense if there are some urgent deviations required, they help to plan the same. For all professionals/individuals I would suggest using professional help of Holistic Investment Planners for best results in long term investment and financial goals achivements. Last advise will be to start early in your life. It really pays well to start in the beginning itself else the dreams needs to adjust :)
Swetha Vasanth
Swetha Vasanth
6. September, 2021.
This is my first year service with the Holistic Team and I would say that they are very much helpful in creating a financial plan and follow ups during the year. I would definitely suggest them if anyone who is willing to proceed with their savings professionally.
Joseph Mathias
Joseph Mathias
6. September, 2021.
I came to know about Holistic Investment Planners online while searching for different investment ideas. Once I contacted them the journey was very smooth. Mr. Ramalingam explained all the aspects of Financial planning in detail and it opened my mind. I realized how important it is to have a Financial planning. Mr. Rajan suggested all the requirements as per my goals and made a Investment plan keeping in mind of my goals. I started my Investment journey with them. I wish I had done it some years back then it would have been in a different level. Review meetings were held every six month to check the implementation of the plan and check the results as per the requirements and to check if any changes required. Overall it was a good experience with Holistic Investment team and would like to continue in the years to come.
Srinvas Kannan
Srinvas Kannan
30. July, 2021.
I came across Holistic investment planners almost 5-6 years back, but I did not have the trust since I had met a few of them who did not sound promising. Then I started investing through a financial advisor of my friend. After 4 years of investing the returns were very low. I was disappointed and started looking for financial advisors when I came across Holistic investment. I had a detailed discussion about my goals and the way they would approach achieving my goal before deciding to switch my investments to them. After a thorough analysis of my then existing portfolios, they suggested new ones and we zeroed-in on 6 schemes/funds where our investment would be split. I am glad I made the decision of switching over and taking Holistic planner's advise, my returns are handsome and I only wish I could have taken their help/advise 5 years back itself. Neverthless, I would like to recommend their services for investment and financial advise if someone is serious about their investments.
Shivaram Andiappan Selvaraj
Shivaram Andiappan Selvaraj
3. July, 2021.
I got a free first time consultation. I got my doubts resolved. They also gave additional advises for investment planning which was also useful.
Nellai B
Nellai B
26. June, 2021.
I have been associated with them for the past three years. They are very professional and polite in answering all our questions. I have complete trust in their suggestions. I strongly recommend for anyone. I am looking forward to have strong and successful association with them.
Google rating score: 4.4 of 5,
based on 61 reviews

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