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, Jeelani Basha, Chief Distribution Officer, Tata AIA Life Insurance said, “Many people want to save for the long term, but they often worry that rising expenses will make it hard to sustain premium payments. With the Premium Offset feature and predictable income benefits, Fortune Guarantee Supreme makes long-term saving easier and more manageable. This will allow consumers to stay on track with their financial goals without the stress of rising costs, offering a more secure and predictable path for the future.”

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.