Call us

Customer login

Calculators

Fund Performance

Trending Topics

About Us

Download Tata AIA App

Term Insurance

Wealth Plans

Customer Service

Claim with Ease

Claims Process

Submit a complaint

Service TAT

View all

About Us

In this policy, the investment risk in investment portfolio is borne by the policyholder

Pay $1200/month¹ for 10 years,
Get $2.1 Million after 20 years

Grow your wealth with global funds in USD

Zero LTCG Tax²

Option to choose waiver of premium

T&C apply... Read More ¹Illustrative returns @4%: $206k | @8%: $367k | @20.51%: $2.1M
20.51% is the 5-year back-tested CAGR of Tata AIA Global AI and Technology Leaders Fund Strategy as of Feb’26, which is projected for 20 years after adjusting for all expenses. Available with Tata AIA Shubh Global Invest. Past performance is not indicative of future performance. Returns are illustrative only and not guaranteed. T&C apply. Illustration shows a monthly premium of $1,200 for Tata AIA Shubh Global Invest for a 30-year-old male, standard life, premium payment term: 10 years, policy term: 20 years. The linked insurance product do not offer any liquidity during the first three years of the contract. 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 the total premiums paid.

Calculate
Returns

Investment Calculator

Full name (First and last)

Date of birth

Are you an NRI?

Yes

Gender

Male

Female

Do you smoke?

Yes

Email ID

Calculate
Returns

Tata AIA Shubh Global Invest

Tata AIA Shubh Global Invest is a dollar-denominated unit-linked insurance plan (ULIP) developed to help you invest, grow, and protect your wealth while ensuring financial security for your loved ones. This plan allows you to invest in global funds, earn market-linked³ returns, and receive benefits in US dollars. In simple terms, it combines global market exposure with the discipline of an insurance-backed investment plan.

This plan is structured as an international ULIP plan, allowing investors to access global equity markets through professionally managed funds. This type of international wealth plan provides currency diversification along with structured wealth creation. It benefits investors with global financial goals such as overseas education, retirement abroad, or dollar-based liabilities.

Key Benefits of Tata AIA Shubh Global Invest

The key benefits of the Tata AIA global wealth plan are:

Invest and Receive Benefits in USD

Enjoy currency stability by making premium payments as well as receiving payouts in US dollars.

Invest in Global Funds

Gain access to diversified investment opportunities with global Exchange-Traded Funds (ETFs).

Waiver of Premium

Future premiums will be waived off and benefits will continue in case of any unfortunate event.

Zero Premium Allocation Charge

No premium allocation and administration charges.

Zero LTCG

No tax on maturity benefit².

Get Financial Protection

Nominee will receive a lump sum payout, ensuring their financial security in case of any unfortunate event.

Flexible Withdrawals for Liquidity

Post completion of 3 years, you can make partial withdrawals to meet your immediate financial needs.

Multiple Premium-Paying Options

Pay through multiple premium payment modes, with optional benefits for enhanced coverage.

Avail Maturity Booster

Basis your policy maturity year, additional Boosters shall be added to your fund value on the day of maturity.

Loyalty Additions

Loyalty Additions are added to your fund value every year, starting after the 7th policy year and will continue until the end of the policy term.

Option to switch between funds

Switch between funds based on market outlook. 2 free fund switches allowed every year.

Premium Re-direction

Allocate future premiums to a different fund or set of funds. There is no Premium-Redirection charge.

Top-Up Facility

Flexibility to pay additional premium as ‘Top-up Premium’, provided the policy is in force.

Flexible Payout Option

Option to opt for lump sum, staggered benefit or a combination of both at the time of purchase.

Plan Options with Shubh Global Invest Tailored for You

How the Tata AIA Shubh Global invest plan works

The following section explains the working of the Tata AIA wealth plan for NRIs:

Choose your premium structure

You select the premium amount, policy term, and premium payment term based on your financial goals. This structured investment plan ensures disciplined contributions.

Funds are allocated to global equity exposure

Your premiums are invested in the Tata AIA Funds, offering exposure to global markets including the US.

Life cover remains active

Throughout the policy term, life insurance protection continues, ensuring financial security for your nominee.

Track and manage your portfolio

You can monitor fund performance and switch between available options if required, depending on market conditions and personal goals.

Make partial withdrawals (if needed)

After completion of the lock-in period, partial withdrawals can be made, subject to policy terms.

Receive maturity benefits in USD

On maturity, the accumulated fund value is paid out in US dollars, aligning with global financial needs.

This structured approach makes the international ULIP plan suitable for investors who prefer disciplined, long-term allocation.

Shubh Videsh Vidya Shubh Advantage

Shubh Videsh Vidya
Secure your child’s overseas education dream

Key Plan Benefits

Built-in premium waiver for continued education
Higher partial withdrawals to support education milestones.
Invest globally and build USD corpus for overseas expenses.

Shubh Advantage
For wealth creation and global portfolio diversification

Key Plan Benefits

Optional Waiver of Premium to safeguard wealth goals.
Invest in international funds for global growth opportunities.
Partial withdrawals for flexible access to funds.

Coverage & exclusions of Tata AIA Shubh Global Invest

Coverage	Exclusions
Life insurance cover during policy term	Claims arising from suicide within specified period as per policy terms
Waiver of premium under applicable conditions	Fraudulent or misrepresented information
Maturity benefit in USD	Policy lapse due to non-payment beyond grace period
Partial withdrawal facility after lock-in	Market losses due to equity volatility
Loyalty additions and maturity boosters	Exclusions as defined in policy document

Policyholders should review the detailed policy wording to understand specific terms.

Who should buy Tata AIA Shubh Global Invest Plan?

This wealth plan for NRI suits:

Non-Resident Indians (NRIs)

Indian citizens residing abroad seeking structured dollar-based investments.

Overseas Citizens of India (OCIs)

Foreign citizens of Indian origin holding OCI status.

Persons of Indian Origin (PIOs)

Individuals with Indian ancestry looking to maintain financial links with India.

In practice, this global wealth plan works well for those planning overseas education, global retirement, or estate transfer across jurisdictions.

How to buy Tata AIA Shubh Global Invest online?

Follow the steps below to invest in an international ULIP plan:

Step 1: Assess eligibility
Confirm residency status and documentation requirements.
Step 2: Select plan option
Choose between Shubh Videsh Vidya or Shubh Advantage.
Step 3: Decide premium and term
Align policy duration with financial goals.
Step 4: Complete KYC and proposal form
Submit required documents and personal details.
Step 5: Make premium payment
Pay the first premium in USD as per selected mode.
Step 6: Policy issuance and confirmation
Upon underwriting approval, the policy is issued.

This streamlined process makes the international wealth plan accessible even to investors residing abroad.

Retirement Wealth Creation Child Education

Why is ULIP an Ideal Choice?

A Unit Linked Insurance Plan (ULIP) is an excellent investment plan since it provides a unique combination of life insurance and wealth-building potential. Here is the reason why it’s an ideal choice for Non-Resident Indians.

Global Access

Manage your policy from anywhere in the world with easy online access.

Portfolio Diversification

Achieve a more diversified portfolio by investing in US Dollars.

Estate Planning

Ensure seamless wealth transfer and financial security for your family.

Flexibility

ULIPs offer flexibility in premium payments, plan options and fund switches, tailored to your changing financial needs.

Comprehensive Protection

With the added benefit of life insurance, you can secure your family’s financial future while growing your wealth.

Flexible Withdrawals and Liquidity

Post the lock in period, you can make partial withdrawals to meet your liquidity needs, whether for emergencies or planned expenses.

Withdrawal Strategies

Earn passive income with the help of 2 partial withdrawal strategies which can be availed post completing 3 policy years:

Systematic Withdrawal Plan (SWP)

With this strategy you can withdraw your money in a structured manner. The withdrawal amount can be a pre-defined amount/ pre-defined percentage of Fund Value.
Chosen-rate Withdrawal Plan (CWP)

With this strategy, you can set the minimum growth of funds that you would like to stay invested with and withdraw the additional growth. Fund value basis actual growth and your required growth shall be compared, and any additional amount shall be paid out to you.

Performance / Illustrative Scenarios
Here are some examples.

Overseas education planning
A parent invests consistently for 15 years. On maturity, the USD corpus aligns naturally with foreign tuition payments.
NRI retirement planning
An NRI professional builds a dollar-denominated retirement fund, reducing currency mismatch risk..
Estate planning
The life cover ensures immediate liquidity to family members while investments continue to grow.
Currency diversification strategy
Investors holding primarily INR assets add this international wealth plan to balance exposure.

Flexibility of Additional Coverage

Policyholders have an option to choose from a set of premium-paying optional benefits:

Accidental Death Benefit

In the event of death of the life insured due to an accident within the term of the benefit, the Accidental Death Sum Assured is paid.

Terminal Illness with Term Booster

In the event of death or diagnosis of Terminal illness (whichever happens first) of the life assured during the term of the benefit an amount equal to Term booster Sum Assured will be paid.

Accidental Total and Permanent Disability

In the event of Total and Permanent Disability of the life assured due to an accident within the applicable benefit term an amount equal to Accidental Total and Permanent Disability Sum Assured will be paid, provided the disability occurs within 180 days from that accident.

Critical Illness

Benefit The monetary benefit in critical illness depends on whether it is a minor critical illness, major critical illness or a catastrophic critical illness.

Type of critical illness	Monetary Benefit
Minor Critical Illness	25% of the Critical Illness Sum Assured or USD 10,000 whichever is lower will be paid.
Major Critical Illness	100% of the Critical Illness Sum Assured less any previously paid claim for minor Critical Illness will be paid.
Catastrophic Critical Illness	150% of the Critical Illness Sum Assured less any previously paid claim for minor Critical Illness will be paid.

Multiple Tax Advantages

Zero LTCG tax

No LTCG tax² on maturity benefit

Zero Goods and Services Tax (GST)

No GST⁴ on premium payments. So, you get to pay less for same benefits.

Maturity Benefits

Get tax benefits⁵ at maturity of the policy.

Non-Resident Indians (NRIs)
Full Maturity Exemption: Under Budget 2025, proceeds from life insurance policies (including ULIPs and endowment plans) issued by an IFSC insurance office are completely tax-exempt⁵ for non-residents. Subject to fulfilling conditions of premium to sum assured ratio in accordance to prevailing provision of Income tax Act 2025.
Resident Indians
For residents, if the annual premium exceeds ₹2.5 Lakh, the maturity proceeds are treated as capital gains and taxed at 12.5%.
Residents can invest in GIFT City insurance products via the Liberalised Remittance Scheme (LRS) up to USD 250,000 per year.
Remittances exceeding ₹10 Lakh per year attract 20% Tax Collected at Source (TCS), which is adjustable against total tax liability.

Coverage Continuance Option

In coverage continuance option, the company will fund all future premiums, base and Optional Benefit (if chosen), and policy will continue as in-force under following cases:

Waiver of Premium on Death
Waiver of Premium on Death or Accidental Total and Permanent Disability
Waiver of Premium on Death or Major / Catastrophic Critical Illness
Waiver of Premium on Death or Accidental Total and Permanent Disability or Major / Catastrophic Critical Illness

Why Choose Us?

Hassle Free Online Purchase Process
Access To Global Exchange-Traded Funds (ETFs)
Experienced Fund Managers
Dedicated Support for All Policy Requirements

Looking to buy a new insurance plan?

Our experts are happy to help you!

Name

Downloads

Download Brochure

Download Policy Document

Fund Performance

1. Is it mandatory for NRIs, OCIs, or PIOs, to be present in India to buy this product?
No, it is not mandatory for them to be present in India for the purchase. They can apply online and upload the necessary documents from their country of residence to buy this plan online.

2.How to initiate the death claims process?
The nominee can raise a claim online at our Online Intimation Page or Connect with Us for further queries.

3.Can I manage my Tata AIA Shubh Global Invest plan from abroad?
Yes, the plan offers global access, allowing you to manage your policy from anywhere in the world online.

4. What is the Cover Continuance option?
The Cover Continuance option ensures that your coverage continues in your absence, providing financial protection during tough times.

5. Can Indian citizen invest in this product?
Yes. This is an ideal product for parents planning to send their children for overseas education as well as investors looking for portfolio diversification.

6. Is it mandatory for NRIs, OCIs, or PIOs, to be present in India to buy this product?
No, it is not mandatory for them to be present in India for the purchase. They can apply online and upload the necessary documents from their country of residence to buy this plan online.

7. How to initiate the death claims process?
The nominee can raise a claim online at our Online Intimation Page or Connect with Us for further queries.

8. Can I manage my Tata AIA Shubh Global Invest plan from abroad?
Yes, the plan offers global access, allowing you to manage your policy from anywhere in the world online.

9. What is the Cover Continuance option?
The Cover Continuance option ensures that your coverage continues in your absence, providing financial protection during tough times.

The linked insurance product do not offer any liquidity during the first three years of the contract. 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 the total premiums paid.
Tata AIA Shubh Global Invest (USD Denominated) - Non-Participating, Unit Linked, Individual Life Insurance Savings Plan (UIN: TALL003V02) Tata AIA Life Insurance Company, IFSC Branch (IIO) Branch (Reg No: IFSCA/IIO/008/2023-24)
Tata AIA Global AI and Technology Leaders Fund: TGT (ULIF 504 31/03/26 TGT 110)
Asset Allocation: Equity & Equity related instruments: 70%-100%, Debt: 0%-30%, Cash / Money Market Instruments, Bank Deposits and Mutual Funds: 0 – 30%
¹Illustration shows a monthly premium of $1,200 for Tata AIA Shubh Global Invest for a 30-year-old male, standard life, Non-smoker, premium payment term: 10 years, policy term: 20 years with 100% investment in Tata AIA Global AI and Technology Leaders Fund. 4% and 8% are assumed rates of return. 20.51% is the 5-year back-tested return as of Feb’26. Maturity amount: $2,06,150 at 4% returns, $3,66,881 at 8% returns and $20,88,824 at 20.51% returns. The fund value calculation is done by projecting the 5-year back-tested CAGR of Tata AIA Global AI and Technology Leaders Fund Strategy after adjusting for all expenses in Tata AIA Shubh Global Invest.
²Subject to sum assured multiple being 10x and above.
³Market-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.
⁴No 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. If any imposition (tax or otherwise) is levied by any statutory or administrative body under the Policy, Tata AIA Life Insurance Company Limited reserves the right to claim the same from the Policyholder. Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfillment of conditions stipulated therein. Tata AIA Life Insurance Company Ltd. does not assume responsibility on tax implications mentioned anywhere on this site. Please consult your own tax consultant to know the tax benefits available to you.
^5Income Tax benefits would be available as per the prevailing income tax laws under old tax regime, subject to fulfilment of conditions stipulated therein. Income Tax laws are subject to change from time to time. Tata AIA Life Insurance Company Ltd. does not assume responsibility on tax implications mentioned anywhere on this site. Please consult your own tax consultant to know the tax benefits available to you.
Back-tested returns of Tata AIA Global AI and Technology Leaders Fund Strategy
Fund returns shown are based on back-tested performance of Tata AIA’s internal investment strategy and are provided for illustration purpose only. Back tested performance is not guaranteed in nature and is prepared using retrospective application of the strategy methodology. They are not actual fund returns and not guaranteed/indicative for the future performance.
The above funds follow Tata AIA’s internal investment strategy, which does not directly benchmark any index/indices. The strategy uses a model-based portfolio allocation derived from securities, indices, ETFs, mutual funds or companies across multiple overseas jurisdictions, in line with the internal strategy methodology. The strategy’s reference portfolio, constituents, geography, and allocation may change from time to time in accordance with such methodology and applicable internal governance. Investment allocation is based on Tata AIA’s proprietary internal strategy framework.
The products are underwritten by Tata AIA Life Insurance Company Limited, IFSC Branch.
Tata AIA International is Tata AIA Life Insurance Company, IFSC Branch (IIO)
Linked Life Insurance products are differ rent from traditional insurance products and are subject to risk factors.
The premium paid in Linked Life Insurance policies is subject to investment risks associated with capital markets and publicly available index. The NAV of the units may go up or down based on the performance of Fund and factors influencing the capital market/publicly available index and the insured is responsible for his/her decisions.
Tata AIA Life Insurance Company Limited is only the name of the Life Insurance Company & Tata AIA Shubh Global Invest is only the name of the Linked Insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns.
Please know the associated risks and the applicable charges, from your insurance agent or the Intermediary or policy document issued by the insurance company.
The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns.
Past performance is not indicative of future performance.
For more details on risk factors, terms and conditions please read Sales Brochure carefully before concluding a sale. Insurance cover is available under this product.
The information, provided herein, may not be treated as a solicitation request in any manner. Any decision to buy online insurance by NRIs is completely his/her choice. The insurer is permitted to solicit insurance in India and settles claim in USD/Forex currency.
L&C/IIO/2026/Apr/0033

Calculate Returns