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TATA AIA Fortune Maxima: ULIP Review (2023)-Is it Good or Bad?

by Holistic Leave a Comment | Filed Under: Investments

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TATA AIA Fortune Maxima is a ULIP that gives a market-oriented return.

It claims to be a solution to increase your wealth.

But, is it worth having the policy in your investment portfolio?

Will it help you to increase your wealth?
Or
Will it bring more risk to your investment portfolio?

Let’s discover the answer here.

Here is a brief ULIP review on TATA AIA Fortune Maxima. This article can help you to make the right investment decision.

Table of Content:

1.) What is TATA AIA Fortune Maxima Plan?

2.) Features of TATA AIA Fortune Maxima

3.) Benefits of TATA AIA Fortune Maxima

4.) Eligibility of TATA AIA Fortune Maxima

5.) What are the investment avenues of TATA AIA Fortune Maxima?

6.) Other Benefits of TATA AIA Fortune Maxima

7.) Charges of TATA AIA Fortune Maxima

8.) Discontinuance Policy

9.) Surrendering/Cancelling the TATA AIA Fortune Maxima during the free look period

10.) How to surrender TATA AIA Fortune Maxima after the free look period?

11.) Advantages of TATA AIA Fortune Maxima

12.) Disadvantages of TATA AIA Fortune Maxima

13.) Research Methodology on TATA AIA Fortune Maxima

14.) IRR of TATA AIA Fortune Maxima-Explanation with an illustration

15.) Final Verdict on TATA AIA Fortune Maxima:

What is TATA AIA Fortune Maxima Plan?

TATA AIA Fortune Maxima is a non-participant ULIP plan that claims to help investors to create the wealth to achieve their financial goals. It is a whole-life individual plan that offers both wealth creation and life-long coverage to its customers.

But will it increase your wealth? Let’s discover here.

Features of TATA AIA Fortune Maxima:

  • It is a ULIP plan.
  • Option to pay your premium as lumpsum or limited period.
  • Loyalty Additions regularly to Increase Investments.
  • Option to choose between 11 funds to invest.
  • Option to customize your plan with 3 additional unit deduction riders.
  • Select between Enhanced Systematic Money Allocation and a Regular Transfer Investment Portfolio Strategy.
  • Tax benefits under Sections 80C and 10 (10D) of the Income Tax Act of 1961.

Benefits of TATA AIA Fortune Maxima:

Maturity Benefit:

If the policyholder survives throughout the policy term, then the policyholder will get the fund value as on the date of maturity.

Death Benefit:

If the policyholder passes away, unfortunately, then the nominee or the legal heir of the policyholder will get the death benefit as the highest of the following.

  • Basic Sum Assured excluding the partial withdrawal if any
  • The fund value as on the date of the death of the policyholder.
  • 105% of the total premium paid.

In addition to this, the highest of the following:

  • The authorized Top-up Sum Assured or
  • Policy’s Top-up Premium Fund Value or
  • 105% of the total Top-up premium paid.

Loyalty Additions:

For the regular premium payment option, 0.20% loyalty extra units will be credited from the 11th policy term onwards.

For a lumpsum premium payment option, the loyalty extra units at the rate of 0.35% will be deposited from the 6th policy term onwards.

Eligibility of TATA AIA Fortune Maxima:

Minimum Issue Age   0 years (30 days)
Maximum Issue Age 60 years
Policy Term  100 minus Issue age
Premium Paying Term  Single Pay 
Limited Pay –7/8/9/10/12/15 and 20 years
Pay Mode  Single, Annual, Semi-Annual, Quarterly, Monthly
Minimum Premium  Single Pay –  1,00,000                        Limited Pay – 50,000 per annum
Maximum Premium Single Pay –  5,00,000                                     Limited Pay –  5,00,000 per annum
Minimum/Maximum Basic Sum Assured For Single Pay –  1.25 times the Single Premium
For Limited Pay – Higher of (10*AP) OR (0.5*Policy Term*AP) 

What are the investment avenues of TATA AIA Fortune Maxima?

TATA AIA Fortune Maxima gives the option to choose between 11 funds to invest or the following “Portfolio Strategy”!
Enhanced Systematic Money Allocation & Regular Transfer (Enhanced SMART)

11 Funds options:

Fund Name Risk Profile Asset Allocation
    Equity Debt Money Market
Multi Cap Fund  High 60-100% 0-40% 0-40%
India Consumption Fund High 60-100% 0-40% 0-40%
Top 50 Fund  High 60-100% – 0-40%
Top 200 fund  High 60-100% – 0-40%
Super Select Equity Fund  High 60-100% 0-40% 0-40%
Large Cap Equity Fund  High 80-100% – 0-20%
Whole Life Mid Cap Equity Fund High 60-100% – 0-40%
Whole Life Aggressive Growth Fund Medium to High 50-80% 20-50% 0-30%
Whole Life Stable Growth Fund Low to Medium 30-50% 50-70% 0-20%
Whole Life Income Fund  Low –  60-100% 0-40%
Whole Life Short-Term Fixed Income Fund (ULIF 013 04/01/07 WLF 110) Low –  60-100% 0-40%
    Govt Sec Money market  
Discontinued policy fund   60-100% 0-40%  

Enhanced SMART option:

Under the Enhanced SMART option, the policyholder has the option to choose two funds: debt oriented fund and an equity-oriented fund.
Here the premium you paid will be transferred into debt oriented fund and then it will be systematically transferred into the equity fund that the policyholder chooses.

Debt oriented funds Equity oriented funds
Whole Life Income Fund  Multi Cap Fund 
Whole Life Short-Term Fixed Income Fund (ULIF 013 04/01/07 WLF 110) India Consumption Fund
  Top 50 Fund 
  Top 200 fund 
  Super Select Equity Fund 
  Large Cap Equity Fund 
  Whole Life Mid Cap Equity Fund

Other Benefits of TATA AIA Fortune Maxima:

The flexibility of Partial Withdrawals:

There are 4 partial withdrawals allowed per year. The policyholder can withdraw Rs. 5000 per year.

The flexibility of Top-ups:

Each top-up premium has 5 years lock-in period. It is not allowed during the last 5 years of the policy term. The policyholder can top up their premium 5 times per year. The minimum top-up premium amount in TATA AIA Fortune Maxima is Rs. 5000.

Top-up Sum Assured:

The policyholder can top up their sum assured when they top up their premium. 

Top-up Sum Assured = 1.25 * Top-up premium

The flexibility of Premium Mode:

The policyholder can pay their premium on yearly, half-yearly, quarterly, and monthly modes.

Monthly Premium = 0.0833 of Annualised Premium,

Quarterly Premium = 0.25 of Annualised Premium,

Semi-annual premium = 0.50 of Annualised Premium

The flexibility of Additional Coverage:

The policyholder has the option to choose the optional riders.

  • Tata AIA Life Insurance Waiver of Premium (Linked) Rider 
  • Tata AIA Life Insurance Waiver of Premium Plus (Linked) Rider 
  • Tata AIA Life Insurance Accidental Death and Dismemberment (Long Scale) (ADDL) Linked Rider

If the policyholder pays their premium as lumpsum then they have an additional option to choose from.

Tata AIA Life Insurance Accidental Death and Dismemberment (Long Scale) (ADDL) Linked Rider.

Charges of TATA AIA Fortune Maxima:

Premium Allocation Charge:

Premium Allocation Charge as a % of Annualised Premium   
Premium Payment Term % of Annualised Premium
1 6.00%
2 6.00%
3 to 5 5.50%
6 to 7  4.50%
8 to 10  3.50%
11 year onwards  2.00%
Single pay 3% of Single Premium
Top-up premium 1.5% of top-up premium

Policy Administration Charge:

For the regular premium term, 0.75% p.a. will be deducted throughout the policy term.

For the lumpsum premium option, 0.90% p.a. will be deducted throughout the policy term.

Fund Management Charge:

Sr.No  Fund Name Fund Management Charge per annum
1 Multi Cap Fund  1.20%
2 India Consumption Fund 1.20%
3 Top 50 Fund  1.20%
4 Top 200 fund  1.20%
5 Super Select Equity Fund  1.20%
6 Large Cap Equity Fund  1.20%
7 Whole Life Mid Cap Equity Fund 1.20%
8 Whole Life Aggressive Growth Fund 1.10%
9 Whole Life Stable Growth Fund 1.00%
10 Whole Life Income Fund  0.80%
11 Whole Life Short-Term Fixed Income Fund (ULIF 013 04/01/07 WLF 110) 0.65%
12 Discontinued policy fund 0.50%

Mortality Charge:

Mortality charge = Sum at Risk (SAR) multiplied by the appropriate Mortality Rate for the month, calculated using the Life Assured’s age achieved.

Sample Age     Mortality Charges per 1000 Sum at Risk (Rs) (per annum) 
25 1.494
35 1.07
45 1.911
55 5.567

Discontinuance Charge:

For regular premium charge:

Policy year  Maximum Discontinuance Charges for the policies having annualized premium up to  50,000/- Maximum Discontinuance Charges for the policies having annualized premium above  50,000/
1 Lower of 20% of Annualised Premium or Regular Premium Fund Value subject to a maximum of  3000  Lower of 6% of Annualised Premium or Regular Premium Fund Value subject to a maximum of  6000
2 Lower of 15% of Annualised Premium or Regular Premium Fund Value subject to a maximum of  2000  Lower of 4% of Annualised Premium or Regular Premium Fund Value subject to a maximum of  5000
3 Lower of 10% of Annualised Premium or Regular Premium Fund Value subject to a maximum of  1500 Lower of 3% of Annualised Premium or Regular Premium Fund Value subject to a maximum of  4000
4 Lower of 5% of Annualised Premium or Regular Premium Fund Value subject to a maximum of 1000 Lower of 2% of Annualised Premium or Regular Premium Fund Value subject maximum of  2000
5 and onwards  Nil  Nil

For lumpsum premium payment:

Policy year  Maximum Discontinuance Charges for the policies having Single Premium up to R 3,00,000/-  Maximum Discontinuance Charges for the policies having Single Premium above R 3,00,000/-
1 Lower of 2% of Single Premium or Single Premium Fund Value subject to a maximum of  3000/- Lower of 1% of Single Premium or Single Premium Fund Value subject to a maximum of  6000/
2 Lower of 1.5% of Single Premium or Single Premium Fund Value subject to a maximum of  2000/-  Lower of 0.70% of Single Premium or Single Premium Fund Value subject to a maximum of  5000/-
3 Lower of 1% of Single Premium or Single Premium Fund Value subject to a maximum of  1500/-  Lower of 0.50% of Single Premium or Single Premium Fund Value subject to a maximum of  4000/
4 Lower of 0.5% of Single Premium or Single Premium Fund Value subject to a maximum of  1000/-  Lower of 0.35% of Single Premium or Single Premium Fund Value subject to a maximum of  2000/
5 and onwards  Nil  Nil

Partial Withdrawal Charge:

There is no partial withdrawal charge.

Fund Switching Charge:

There are 12 switching charges free per policy term after that the policyholder needs to pay Rs. 100 per switch.

Premium Re-direction Charge:

There is no Premium Re-direction Charge.

Insight on Charges:

Though some charges like fund management charges are reasonable, some charges like mortality charges and switching charges are unreasonable. And compare to other ULIP plans, they are quite expensive. So, even if you manage to get 8% of investment return, you still lose more than you earned here.

Discontinuance Policy:

During the lock-in period:

a. For lumpsum payment option:

The policyholder has the option to surrender the policy anytime during the lock-in period. However, the fund value will be credited to the Discontinued Policy Fund after deducting the charges. The policy will continue in the discontinued policy fund till the end of the lock-in period.

b. Regular Premium Payment Option:

If the policyholder fails to pay the premium within the grace period, then the fund value will be moved to the discontinued policy fund until the revival period of three years.

After the lock-in period:

a. For lumpsum payment option:

The policyholder can surrender the policy anytime and get the fund value as on the date of surrender.

b. Regular Premium Payment Option:

If the policy is terminated owing to non-payment of premiums after the lock-in period after the grace period has expired, the policy will be changed into a reduced paid-up policy with the paid-up sum insured.

“Reduced paid-up sum assured = Basic Sum Assured * (total number of premiums paid / original number of premiums payable)”

Surrendering/Cancelling the TATA AIA Fortune Maxima during the free look period:

If the policyholder is not satisfied with the terms and conditions of the TATA AIA Fortune Maxima policy then they can return the policy by giving the written statement within 15 days from the date of the TATA AIA policy purchased.

It will be extended up to 30 days if the policy is purchased through distance mode.
You can read the TATA AIA Fortune Maxima brochure here for more details

How to surrender TATA AIA Fortune Maxima after the free look period?

For lumpsum payment option:

The policy can be surrendered anytime.

Regular Premium Payment Option:

a. Before the lock-in period:

The fund value after deducting the charges will be paid after the lock-in period of 5 years.

b. After the lock-in period:
The fund value as of the date of complete withdrawal shall be paid to the policyholder.

Advantages of TATA AIA Fortune Maxima:

  • You have the option to choose from 11 funds.
  • Top-up premiums increase the value of your investment.
  • The addition of loyalty will increase the fund’s worth.
  • When the premium-paying period has expired, there is an extended life cover (up to 100 years).
  • There are no fees for partial withdrawals or premium redirection.
  • The SMART method safeguards the entire investment from market volatility.

Disadvantages of TATA AIA Fortune Maxima:

  • No liquidity during the lock-in period of 5 years.
  • The policyholder will not be able to wholly or partially surrender or withdraw funds invested in linked insurance products until the end of the fifth year.
  • The loan option is not available.
  • The premium will be invested in funds after deducting the charges.

Research Methodology on TATA AIA Fortune Maxima:

We have seen all the necessary details that we need to know about TATA AIA Fortune Maxima. 

But still, this information does not give clarity to deciding whether to purchase this plan or not. 

So, now let’s dig out more information by calculating the IRR of TATA AIA Fortune Maxima by using the online calculator provided by TATA AIA and compare it to other investments, whether it gives us a better return or not.

IRR of TATA AIA Fortune Maxima-Explanation with an illustration:

Age(Year) Policy Term(Year) Premium Paying Term(Year) Annual Regular Premium (₹) Premium Multiple Chosen Guaranteed Benefits Higher Rate Illustration (8%) Lower Rate Illustration (4%)
Non-Guaranteed Benefits Non-Guaranteed Benefits
Basic Sum Assured (₹) Total Maturity Benefit(₹) Net Yield**@8% Total Maturity Benefits*(₹)
35 65 Single 100,000 1.25 125,000 58,63,362 6.76% 4,03,034
35 65 7 100,000 17.5 1,750,000 3,39,93,464 6.77% 23,82,834
35 65 10 100,000 17.5 1,750,000 4,58,12,843 6.79% 44,12,1256
35 65 15 100,000 17.5 1,750,000 6,10,63,271 6.81% 65,80,821

Now, let’s calculate the IRR of TATA AIA Fortune Maxima for its worst-case scenario and the best-case scenario.

Annual Premium: Rs. 1,00,000

Premium Term: 15

Policy Term: 65

Here, let’s take the assumed gross return as 4% in the worst-case scenario.

At 4% p.a
Age Year Annualized premium/Maturity Benefit Death Benefit
36 1 -1,00,000 17,50,000
37 2 -1,00,000 17,50,000
38 3 -1,00,000 17,50,000
… … … …
50 15 -1,00,000 17,50,000
51 16 0
52 17 0
… … …
100 65 0
65,80,821
IRR 2.57%

As you can see in the above illustration, at the end of the policy term, we get an IRR of 2.57%. And the policyholder will get Rs. 65,80,821 as maturity benefit and Rs. 17,50,000, if the policyholder passes away, unfortunately.

Now, let’s calculate the IRR for the best-case scenario.

In the best-case scenario of TATA AIA Fortune Maxima, let’s take the assumed gross return as 8%.

Then,

At 8% p.a
Age Year Annualized premium/Maturity Benefit Death Benefit
36 1 -1,00,000 17,50,000
37 2 -1,00,000 17,50,000
38 3 -1,00,000 17,50,000
… … … …
50 15 -1,00,000 17,50,000
51 16 0
52 17 0
… … …
100 65 0
6,10,63,271
IRR 6.53%

As you can see in the above illustration, at the end of the policy term, the policyholder will get Rs. 6,10,63,271 as a maturity benefit and the IRR of 6.53% in the best-case scenario. 

Investment Options IRR (Internal Rate of Return) Maturity Benefit Death Benefit
Worst case scenario 2.57% Rs. 65 lacs Rs. 17.5 lacs
Best case scenario 6.53% Rs. 6.10 cr Rs. 17.5 lacs

Here, this policy may seem like giving you a better investment return. But, after calculating the IRR, it gives us a clear picture of what we will get as an investment return.

If we look into it, then you may notice that the IRR in the worst-case scenario is lower than the savings bank account. 

And for a long-term investment, it does not help you to create wealth and the power to beat inflation.

In the best-case scenario, we get an IRR that we can get from Bank FDs. 

Also, for a long-term investment, it only gives you purchasing power, not the inflation-beating return.

Now, let’s see the IRR of other investments.

Let’s take PPF as a risk-free investment.

TATA AIA Fortune Maxima vs. PPF + Pure Term Insurance:

Overall contribution: Rs. 1,00,000

Pure term insurance contribution:

Annual Premium: Rs. 8,500

Sum Assured: Rs. 75,50,000

Tenure: 15 years

PPF Contribution: Rs. 91,500

Interest rate: 7.10% without investment risk

Then,

Term Insurance + PPF
Age Year Term Insurance Premium + PPF Death Benefit
36 1 -1,00,000 17,50,000
37 2 -1,00,000 17,50,000
38 3 -1,00,000 17,50,000
… … … …
50 15 -1,00,000 17,50,000
51 16 0
52 17 0
… … …
100 65 0
10,60,89,196
IRR 7.53%

As you can see, at the end of the maturity period (15 years for PPF), we get Rs. 28,81,607 as a maturity benefit. If you want, here you can reinvest this amount as a 70:30 ratio in equity and debt for the next 50 years with a 7.80% assumed interest rate.

  weight Returns
Equity 30% 12%
Debt 70% 6%
  Weighted average returns 7.80%

If we reinvest this amount for the next 50 years, then we will get an IRR of 7.53% after 65 years and Rs. 10,60,89,196 as investment return.

Investment Options IRR (Internal Rate of Return) Maturity Benefit Death Benefit
TATA AIA Worst-case scenario 2.57% Rs. 65 lacs Rs. 17.5 lacs
TATA AIA Best case scenario 6.53% Rs. 6.10 cr Rs. 17.5 lacs
PPF 7.53% Rs. 10 cr Rs. 17.5 lacs

This way, we can get an inflation-beating return without taking any investment risk.

Now, let’s calculate the IRR for ELSS, a risk-oriented investment plan.

TATA AIA Fortune Maxima vs. ELSS + Pure Term Insurance:

Overall contribution: Rs. 1,00,000

Pure term insurance contribution:

Annual Premium: Rs. 8,500

Sum Assured: Rs. 75,50,000

Tenure: 15 years

ELSS Contribution: Rs. 91,500

Assumed Interest rate: 12% with investment risk

Then,

Term Insurance + ELSS
Age Year Term Insurance Premium + ELSS Death Benefit
36 1 -1,00,000 17,50,000
37 2 -1,00,000 17,50,000
38 3 -1,00,000 17,50,000
… … … …
50 15 -1,00,000 17,50,000
51 16 0
52 17 0
… … …
100 65 0
15,32,86,474
IRR 8.20%

Here, after 15 years, we get Rs. 35,85,632 as a post-tax return.

Now, here we can reinvest this amount as a 30:70 ratio in equity and debt for the next 50 years.

So, after 65 years, we can get an IRR of 8.20% in ELSS+ Term investment and Rs. 15,32,86,474 as investment return.

Investment Options IRR (Internal Rate of Return) Maturity Benefit Death Benefit
TATA AIA Worst-case scenario 2.57% Rs. 65 lacs Rs. 17.5 lacs
TATA AIA Best case scenario 6.53% Rs. 6.10 cr Rs. 17.5 lacs
ELSS + Term 8.20% Rs. 15 cr Rs. 17.5 lacs

As you can see, compared to TATA AIA, ELSS gives us a better investment return even after taking investment risk. 
Also, the return we get from ELSS gives us an inflation-beating return along with additional corpus to invest in the long term.

Final Verdict on TATA AIA Fortune Maxima:

After calculating the IRR, it gives us a clear picture to make the right investment decision.

Though the TATA AIA Fortune Maxima does not provide the wealth-creating return as it claims. 

Compare to other investments, it does not give us an inflation-beating return or purchasing power. Also, it is quite expensive compared to other ULIP plans. 

So, it is better to choose an individual investment and separate term insurance plan.

If you want you can choose risk-free investment plans such as PPF and RBI Bonds for long-term investments. If you want to take risks, you can choose mutual funds to get a better return.

As for life protection, you can choose pure term insurance that can give you high life coverage at a low cost.
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