Tata AIA Life Insurance launches Shubh SIP, a flexible financial solution designed to evolve through every stage of life

 Tata AIA Life Insurance launches Shubh SIP, a flexible financial solution designed to evolve through every stage of life




New unit-linked solution combines market-linked wealth creation, family protection and retirement planning within one long-term financial journey


Mumbai, 17 September 2026: Financial priorities evolve with life. An individual may begin by focusing on building wealth, later prioritise protecting a growing family and eventually look at creating a planned income stream for retirement. However, these needs are often managed through separate financial decisions.


Recognising this need, Tata AIA Life Insurance, one of India’s leading private life insurers, has launched Tata AIA Shubh SIP, a unit-linked insurance plan (ULIP) designed to bring wealth creation, protection and retirement planning together within one flexible solution.


Commenting on the launch, Jeelani Basha, Chief Business Officer – Partnership Distribution and Group Business, Tata AIA Life Insurance, said, “Financial priorities do not remain constant throughout life. The need today may be wealth creation, tomorrow it may be protecting family responsibilities, and later it may be creating a steady income during retirement. With Tata AIA Shubh SIP, our aim was to bring these evolving needs together within one flexible solution, enabling individuals to continue their financial journey without having to start again at every stage of life.”


Tata AIA Shubh SIP enables individuals to build a market-linked corpus, with Loyalty Additions and Maturity Boosters to support long-term wealth creation, subject to applicable policy terms and conditions. For family protection, the plan offers enhanced Waiver of Premium benefits with 1X, 2X and 3X multipliers, depending on the option selected, along with a Family Income Continuation Benefit providing additional monthly income to dependants in the event of the policyholder’s death.


For retirement, the Retirement/Whole Life option allows individuals to build a retirement corpus and opt for an automatic Systematic Withdrawal Plan (SWP) from age 60, through either a fixed amount or percentage of fund value. The plan also provides partial withdrawals and an Automatic Partial Withdrawal Facility, subject to applicable terms and conditions.


In applicable options, capital protection linked to the higher of the Sum Assured or Fund Value is available. Additional premium allocation benefits for female lives are also available, subject to applicable policy terms and conditions.


The plan extends financial planning to nominees through Nominee Continuation Rights, allowing permitted fund switches, fund transfers and partial withdrawals after the Life Assured’s death. The Nominee Settlement Option allows death benefits to be received as regular income over 15, 20, 25 or 30 years, subject to applicable terms and conditions.


Tata AIA has also partnered with Policybazaar, one of India’s leading online insurance platforms, to make Shubh SIP available digitally.


Commenting on the partnership, Vivek Jain, Chief Business Officer – Life Insurance, Policybazaar.com, said, “Individuals today are looking for financial solutions that address their diverse needs and aspirations across different life stages. Tata AIA Shubh SIP brings together wealth creation, protection and retirement planning within one proposition. The enhanced Waiver of Premium options, including 1X, 2X and 3X benefits, help keep long-term goals on track even in the policyholder’s absence. Through this partnership, we are pleased to offer individuals a digital platform to explore a solution designed for their long-term financial journey.”


About Tata AIA Shubh SIP: Tata AIA Shubh SIP is a unit-linked insurance plan designed to help individuals pursue multiple financial goals through one flexible solution.


Risk Note


The investment risk in the investment portfolio is borne by the policyholder. Market-linked returns are subject to market risks and applicable policy terms and conditions.


Disclaimers


Tata AIA Shubh SIP (UIN: 110L190V01)

Non-Participating, Unit Linked, Individual Life Insurance Savings Plan

Tata AIA Fortune Guarantee Supreme - Individual, Non-Linked, Non-participating, Life Insurance Savings Plan (UIN110N163V14).

Tata AIA Life Guaranteed Return Insurance Plan (UIN: 110N15216) Individual, Non-Linked, Non-Participating, Life Insurance Savings Plan.

Tata AIA Fortune Guarantee Secure - Individual, Non-Linked, Non-participating, Life Insurance Savings Plan (UIN: 110N206V03), Tata AIA Life Insurance Fortune Guarantee Plus (UIN: 110N158V14) - Non-Linked, Non-Participating, Individual Life Insurance Savings Plan.

Tata AIA Life Insurance Smart Income Plus (UIN:110N126V09) - A Non-Linked, Non-Participating, Individual Life Insurance Savings Plan. Tata AIA Life Insurance Fortune Guarantee - Non-Linked, Non-Participating, Individual Life Insurance Savings Plan (UIN: 110N120V12).

Tata AIA Shubh Flexi Income Plan (UIN:110N207V03) - Individual, Non-Linked, participating, Life Insurance Savings Plan.

Tata AIA Life Insurance AIA Smart Value Income Plan (UIN: 110N162V03) - Individual, Non-Linked, Participating Life Insurance Savings Plan. 

The linked insurance product do not offer any liquidity during the first five years of the contract. The policy holder will not be able to surrender/withdraw the monies invested in linked insurance products completely or partially till the end of the fifth year.

Guaranteed returns in this plan depends on Age at Entry of life assured, Premium payment term, policy term, premium amount and plan option chosen. Guaranteed Annual Income (GAI) in the Regular Income option is a percentage of one Annualized Premium while in the Whole Life Income option is a percentage of the Total Premiums Paid. Guaranteed returns in this plan depends on Age at Entry of life assured, Premium payment term, policy term, premium amount and plan option chosen. 

Premium paid in Unit Linked Life Insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions. On survival to the end of the policy term, the Total Fund Value including Top-Up Premium Fund Value valued at applicable NAV on the date of Maturity will be paid.

Market-linked returns are subject to market risks and terms & conditions of the product. The assumed rate of returns or illustrated amount may not be guaranteed and depends on market fluctuations.

Market-linked returns are subject to market risks and terms & conditions of the product. The assumed rate of returns or illustrated amount may not be guaranteed and depends on market fluctuations.

The Company does not guarantee any assured returns. ~Market-linked returns are subject to market risks and terms & conditions of the product.

Investments 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.

This product is underwritten by Tata AIA Life Insurance Company Ltd. Insurance cover is available under this product. This plan is not a guaranteed issuance plan, and it will be subject to Company's underwriting and acceptance.

The investment income and price may go down as well as up depending on several factors influencing the market. Please know the associated risks and the applicable charges, from your Insurance Agent or the Intermediary or Policy Document issued by the Insurance Company. Please make your own independent decision after consulting your financial or other professional advisor. Returns are calculated on an absolute basis for a period of less than (or equal to) a year, with reinvestment of dividends (if any). All investments Company are subject to market risks. The Company does not guarantee any assured returns.

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 all the premiums paid. Unit Linked Life Insurance products are different from traditional insurance products and are subject to risk factors.

BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS IRDAI or its officials do not involve in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.

No Goods and Service Tax shall be applicable on Individual life insurance products as per prevailing laws. Tax laws are subject to amendments from time to time

 

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