Retire
with Confidence: A Pension Plan That Pays You for Life — and Grows with You
Mumbai : Imagine
having peaceful retirement with an income that last as long as you do, a retirement where you have savings which is
not only stable but also grows to keep up with rising costs and helping you
maintaining your lifestyle. Tata AIA Life Insurance has made that dream a
reality with the Shubh Flexi Pension Plan, a plan designed to help you
retire with confidence, flexibility, and financial security.
A Smarter Way to Plan Your
Retirement
With increasing lifespans
and rising healthcare costs, the financial pressure is real. Traditional ‘debt
oriented’ pension plans offer peace of mind, but without any growth in the
income amount received. On the other hand, index-linked investments offer growth,
but with no certainty. What if you could get the best of both worlds?
Shubh Flexi Pension Plan
offers guaranteed income for life, with the added benefit of market-linked
growth potential, boosted by equity investment up to 40%. Here’s how Tata AIA Shubh
Flexi Pension Plan, a ‘Equity oriented, Regular pay’ solution works:
- Guaranteed
Income for Life
You receive annuity payouts for as long as you live. No need to worry about running out of money during retirement. - Market-Linked
Upside
With the Variable Annuity option, you can tie a portion of your income to the performance of the NIFTY 50. Choose from: - 60%
guaranteed (debt) + 40% market-linked (equity)
- 70%
guaranteed (debt) + 30% market-linked (Equity)
- 80%
guaranteed (debt) + 20% market-linked (Equity)
- 90%
guaranteed (debt) + 10% market-linked (Equity)
This ensures that while you
have a solid base income, your pension can also grow with the market’s
performance — helping you keep up with inflation.
Kshitij Sharma,
Appointed Actuary, Tata AIA Life said, “Retirement
planning in India is evolving. With longer life expectancies, rising healthcare
costs and fluctuating interest rates, people want solutions that not only
provide stability but also grow with them. The Shubh Flexi Pension Plan is our
answer — giving customers both guaranteed income and the opportunity to grow
their savings.”
Designed Around Your
Retirement Journey
No two retirements look the
same. Everyone has their own unique goals and timeline. The Shubh Flexi Pension
Plan offers flexibility to suit different retirement needs:
- Start
Early: You can start building your retirement
corpus as early as age 35, giving you the power of compounding over time.
- Choose
When Income Starts:
- Immediate
Annuity: Start receiving income right after
retirement.
- Deferred Annuity: Let your money grow
for up to 20 years before payouts begin, to enhance your corpus. The
maximum 20 year deferment is addition to PPT. e.g. if a policy has a
premium payment term of 12 years, the maximum deferment can be 12 + 20 =
32 years
- Flexible
Premium Options:
- Pay
a lump sum
- Spread
payments over 2–12 years
Protect What You Leave Behind
It’s not just about securing your own future; it’s also
about protecting your family’s. With the Return of Purchase Price
option, your nominee can receive the original purchase price when you are no
longer around.
Who Is It Ideal For?
The Shubh Flexi Pension Plan isn’t just for one type of consumer,
it’s for anyone looking to retire comfortably:
- Early
planners who want to build their retirement income early (FIRE generation)
- Lifestyle
aspirants, who aim to maintain their lifestyle while enjoying financial
independence,
- Pre-retirees
who want predictable, reliable income
- Retirees
who want stability with growth potential
- NPS
subscribers seeking annuitisation options
- Individuals
who want a structured, long-term retirement strategy
The Bottom Line
Retirement should be about freedom — not financial
stress. The Shubh Flexi Pension Plan offers:
✔ Guaranteed income for life
✔ Market-linked growth
potential to beat inflation
✔ Flexible premium and payout
options
✔ Liquidity when you need it
✔ Family protection for peace
of mind
Because when you plan your retirement with
Tata AIA, it’s not just about securing your future — it’s about living it
fully, confidently, and independently.
Tata AIA Life Shubh Flexi Pension Plan (A Non-Linked, Non-Participating
Annuity Plan): 110N209V02
About Tata AIA Life
Tata AIA Life Insurance
Company Limited (Tata AIA) is a joint venture Company formed by Tata Sons Pvt.
Ltd. and AIA Group Ltd. (AIA). Tata AIA Life `combines Tata’s pre-eminent
leadership position in India and AIA’s presence as the largest, independent
listed pan-Asian life insurance group in the world, spanning 18 markets in the
Asia Pacific region.
Tata AIA reported a total
Premium Income of INR 31,484 crore for FY25, up 23% from FY24. The Company
continues to rank among the Top 3 Private Insurers in Individual Weighted New
Business Premium (IWNBP) with an IWNBP income of INR 8,511 crore. The Company
also achieved industry-leading Persistency performance (based on premiums),
ranking #1 in four out of five cohorts. For more information on
Tata AIA Life’s product portfolio and retirement solutions, please visit www.tataaia.com.