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Aviva Life Insurance Plans

About Aviva

Aviva India is a joint venture between one of the country's oldest and largest groups, Dabur, and Aviva group, One of the largest insurance group in UK, whose association with India dates back to 1834.

Our vision is to be amongst India's leading life insurers with a quality business model, focused on sustainable growth. We seek to build a robust product portfolio meeting all customer lifecycle needs related to - Savings, Retirement, Investments and Protection.

With a strong sales force of over 30,000 Financial Planning Advisers (FPAs), we have initiated and pioneered many innovative sales approaches, including the concept of Bancassurance and Financial Health Check services. We are among the first companies to introduce the contemporary unit-linked products.

Keeping with our commitment of social responsibility, we have been successful in reaching out to the underprivileged strata through our Micro-insurance initiatives

Child Plans

IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER".

1) Aviva Young Scholar Advantage is a comprehensive plan that enables you to secure your child's future in any eventuality through:

All future premiums being waived off and invested as a lump sum amount in to the funds, so the policy continues even in the unfortunate event of the parent's death while the Life Cover (Sum Assured) is paid out immediately. These benefits are also applicable upon disability or critical illness if the Comprehensive Health Benefit (CHB) Rider is opted
Provision of a regular income for the minor child, in the event of parent's death if Aviva Child Education (CE) Rider is opted for
An additional lumpsum being paid in the event of parent's death if Aviva Term Plus Rider is opted
Loyalty Additions to enhance your Fund Value
A choice of 9 fund options; Investment flexibility through Automatic Asset Allocation (AAA) and Systematic Transfer Plan (STP)
The product will be offered only to those who have atleast one child

For more detail on risk factor, terms and conditions please read sales brochure carefully before concluding a sale.

UIN No.: 122L085V01

Link: http://www.avivaindia.com/Individual/Child/AvivaYoungScholarAdvantage.aspx

2) Aviva Young Scholar Secure: At Aviva we believe there is no greater insurance in the world than a good education. Education is the bridge between your child's dreams and reality. This journey has many milestones -schooling years leading up to Board exams, entrance exams, college years and professional courses. Each of the milestones has a cost attached to it right from extra coaching for Boards to reference material for entrance exams to admission fee for a professional course.

Now guarantee funds for each of these milestones with Aviva Young Scholar Secure and provide your child the best education. With AYS Secure you can plan your savings and payouts for your child's education in a manner that match the child's educational journey.

For more detail on risk factor, terms and conditions please read sales brochure carefully before concluding a sale.

UIN No.: 122N092V01.

Link: http://www.avivaindia.com/Individual/Child/AvivaYoungScholarSecure.aspx

Savings

IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER".

1) Aviva Freedom Life Advantage allows you to choose the proportion of savings and protection and change it subsequently, in line with your changing needs, with the option to pay premiums for as few as 5 years, through:

Option to increase / decrease Life Cover (Sum Assured)
Option to cover husband and wife under the same policy
100% allocation from sixth year if Annual Premium is Rs. 1 lakh or more
Inbuilt Accidental Death cover
Loyalty additions every 3 years from the end of 10^th policy year
Pay off all the premiums in 5 years or choose to pay throughout the term
Flexibility to choose Life cover
Enhance maturity proceeds and life cover with Top-up Premiums
Select from two optional riders for additional protection - Aviva Dread Disease (DD) Rider and Aviva Term Plus Rider
9 fund options (Bond-II, Protector-II, Balanced-II, Growth-II, Enhancer-II, Infrastructure, PSU, Dynamic P/E Fund and Index-II Funds), AAA & STP

For more detail on risk factor, terms and conditions please read sales brochure carefully before concluding a sale.

UIN No.: 122L083V01

Link: http://www.avivaindia.com/Individual/Savings/AvivaFreedomLifeAdvantage.aspx

Aviva Dhan Vriddhi is a traditional money back plan that provides you a guaranteed amount of money at regular intervals along with protection through the Life Cover (Sum Assured), in the event of death

Guaranteed returns: Guaranteed Additions @7% of Life Cover for each completed policy year till maturity
Limited premium payment: Premiums are not required to be paid during the last five years of the policy
Additional protection: You can opt from 5 riders to enhance protection with the benefits ranging from additional Sum Assured for the incident covered, waiver of future premiums and also a regular income for your beneficiary in case you are not around
Rebate for high Sum Assured: Rebate on basic premium is allowed if your Sum Assured is Rs. 1 Lac or higher

For more detail on risk factor, terms and conditions please read sales brochure carefully before concluding a sale.

UIN No.: 122N038V02

Link: http://www.avivaindia.com/Individual/Savings/AvivaDhanVriddhi.aspx

IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER".

2) Aviva Life Saver Advantage is predominantly a savings plan that offers disciplined saving with high level of financial security for the family, in case something untoward happens

Increasing death benefit: Life Cover (Sum Assured) plus Fund Value as death benefit
Flexible Life Cover (1.05 x Policy Term x Annual Premium) to (1.5 x Policy Term x Annual Premium)
Inbuilt Accidental Death cover
Select from the two optional riders - Aviva Child Education (CE) Rider and Aviva Dread Disease (DD) rider
Pay top-up premiums to increase the savings element along with a nominal life cover
Reduce life cover under the base plan
9 Fund options - Bond-II, Protector-II, Balanced-II, Growth-II, Enhancer-II, Infrastructure, PSU, Dynamic P/E Fund and Index-II Funds,
STP option available for safer entry into and exit from equities

For more detail on risk factor, terms and conditions please read sales brochure carefully before concluding a sale.

UIN No.: 122L082V01

Link: http://www.avivaindia.com/Individual/Savings/AvivaLifeSaverAdvantage.aspx

IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER".

3) Aviva LifeBond Advantage is a Single Premium unit linked insurance plan that offers you an opportunity to invest a lump sum for medium to long term together with Life Cover and flexibility to access your money after 5 years, besides the regular tax benefits through:

9 unit linked funds as well as two options for life cover
Extra financial protection through the inbuilt Accidental Death Benefit
Systematic partial withdrawal for hassle free structured withdrawal
Opportunity for additional investment with a nominal life cover (top-up

For more detail on risk factor, terms and conditions please read sales brochure carefully before concluding a sale.

UIN No.: 122L086V02

Link: http://www.avivaindia.com/Individual/Savings/AvivaLifeBondAdvantage.aspx

4) Aviva Dhan Varsha is a traditional investment cum protection plan that provides you Guaranteed Addition of 6% to 9% of the sum assured along with life protection

Guaranteed Additions basis the policy term, longer the Policy Term, higher the rate of Guaranteed Additions
Guaranteed Survival Benefit equal to sum of all accrued guaranteed addition at the end of the Premium Payment Term
Guaranteed Maturity Benefit at the end of the Policy Term
No premium payment liability during the last five years for policy term of 10, 15 and 20 years
Optional riders for additional protection in the event of accidental / non-accidental death

For more detail on risk factor, terms and conditions please read sales brochure carefully before concluding a sale.

UIN No.: 122L088V01

Link: http://www.avivaindia.com/Individual/Savings/AvivaDhanVarsha.aspx

IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER".

5) Aviva Sachin Extra Cover Advantage is a hassle-free savings plan that gives you a high life cover without undergoing any medical examination by signing a self-declaration of good health. This plan offers high Life Cover (Sum Assured) in the first 10 years and reduces in the last 10 years balancing your need for high protection during initial years and investment towards maturity.

No medical examination
Higher Life Cover
Loyalty Additions to boost maturity proceeds
9 fund options including Infrastructure and PSU Fund
In-built accidental death cover for enhanced protection

For more detail on risk factor, terms and conditions please read sales brochure carefully before concluding a sale.

UIN No.: 122L087V01

Link: http://www.avivaindia.com/Individual/Savings/AvivaSachinExtraCoverAdvantage.aspx

Retirement

1) Aviva Pension Builder helps you choose to build your retirement fund with savings accumulated during your working life or make a lump sum one time investment. This plan offers a guarantee of double of the premiums you have paid as maturity proceeds and offers your family an unmatched support with death benefit of return of all the premiums paid with an interest calculated @10% per annum, compounded annually till date of death.

Your retirement savings plan is an essential part of your future financial security. In volatile investing environment, the best protection against market uncertainty is a guaranteed retirement corpus from your pension plan. Presenting Aviva Pension Builder with guaranteed maturity benefit and increasing death benefit to support your family in any unfortunate turn of event.

For more detail on risk factor, terms and conditions please read sales brochure carefully before concluding a sale.

UIN No.: 122N094V01

Link: http://www.avivaindia.com/Individual/Retirement/Aviva%20Pension%20Builder.aspx

Health

1) Aviva Health Plus is a health cum savings plan that provides a cover on life, accidents, critical illnesses, disabilities, surgery and hospitalization, while guaranteeing the return of a part of the premium on maturity through:

Provision of a Life Cover (Sum Assured) on death
Additional protection against accidental death and disability
Coverage against Total Permanent Disability due to sickness
Coverage against 18 critical illnesses
Protection against 37 major surgeries
Cash payout in case of Hospitalization
Guaranteed maturity benefit, even if all health benefits have been claimed

For more detail on risk factor, terms and conditions please read sales brochure carefully before concluding a sale.

UIN No.: 122N057V01

Link: http://www.avivaindia.com/en/Individual/Health/AvivaHealthPlus.aspx

Term Assurance/Protection

1) Aviva LifeShield Advantage provides comprehensive protection for your family incase you are not around. Additionally, the money paid as base premium will be returned to you on survival at the end of the Policy Term through:

Payment of Life Cover (Sum Assured) to your family in the event of your death (Option A)
Additional protection against Accidental Permanent Total Disability (Option B)
Return of the money paid towards the base premium on your survival at the end of the policy term
Additional protection against Permanent Total Disability (PTD) and 18 Critical Illness covered by the Aviva Dread Disease (DD) Rider (available with Option A regular premium mode)
A rebate on your premium for higher levels of Sum Assured

For more detail on risk factor, terms and conditions please read sales brochure carefully before concluding a sale.

UIN No.: 122N081V01

Link: http://www.avivaindia.com/Individual/Protection/AvivaLifeShieldAdvantage.aspx

2) Aviva LifeShield plus provides comprehensive protection for your family at a nominal cost through:

Payment of Life Cover (Sum Assured) to your family in the event of your death, with a provision of double the Life Cover in the case of an accidental death.
Immediate payment of the Life Cover in the case of critical illness or permanent total disability, while life cover continues till the policy term
Competitive rates

For more detail on risk factor, terms and conditions please read sales brochure carefully before concluding a sale.

UIN No.: 122N064V01

Link: http://www.avivaindia.com/Individual/Protection/AvivaLifeShieldPlus.aspx

3) Life Shield Platinum, a unique protection plan to help you plan for your family in case you are not around.

Option A - Life Protection
Choose this option if you foresee a need for lump sum payment of large sum of money to your family in case you are not around. You can opt for additional health and Accidental Death Benefit rider. We offer differential rates for Smokers, Non-smokers and preferred rates for (Healthy) Non-smokers.
The special rates for non-smokers is subject to Cotinine test, which is available in select cities.

Option B - Income Replacement
Choose this option if you want to provide a regular monthly income to your family in your absence. This amount increases by 5% p.a. compounded annually from the very first year of your policy to beat inflation. Your premium obligation is limited to about 2/3rd of the policy term.

Option C - Loan Protection.
Choose this option to cover for higher financial liabilities and family responsibilities in the early years of your life, the Life Cover decreases evenly across the policy term. Your premium obligation is limited to about 2/3^rd of the policy term.
This Insurance plan offers rebate on your premium for higher levels of Sum Assured.

For more detail on risk factor, terms and conditions please read sales brochure carefully before concluding a sale.

UIN No.: 122N089V01

Link: http://www.avivaindia.com/Individual/Protection/AvivaLifeShieldPlatinum.aspx

Group

1) Aviva Sampoorna Suraksha Bima Yojna is for employer-employee groups and the customers of banks and financial institutions with an aim to provide:

Life cover for employees/bank customer
Additional benefits in case of Accidental Death/ Total and Permanent Disability
Guaranteed Survival Benefit on Maturity
Provide protection with minimum medical formalities

For more detail on risk factor, terms and conditions please read sales brochure carefully before concluding a sale.

UIN No.: 122N084V01

Link: http://www.avivaindia.com/Group/Savings/AvivaSampoornaSurakshaBimaYojna.aspx

DisclaimersAviva Life Insurance Company India Limited (Regn.No.-122), Aviva Tower, Sector Road, Opp. Golf Course, DLF Phase V, Sector 43, Gurgaon
Insurance is the subject matter of the solicitation
These products are offered and underwritten by Aviva Life Insurance Company India Ltd.
Tax benefits are as per Income Tax Act, 1961 and are subject to change from time to time Riders are not mandatory and are available for a nominal extra cost.
ULIP products are different from traditional Life Insurance products and are subject to risk factors
Premium paid in ULIP are subject to Investment risks associated with capital Markets & the NAV of the units may go up or down based on the performance of the fund and factors influencing capital markets
The insured is responsible for his/her decisions
Aviva Life Insurance Company India Limited is only the name of insurance company & Aviva Young Scholar Advantage, Aviva Freedom Life Advantage, Aviva Life Saver Advantage, Aviva Sachin Extra Cover Advantage & Aviva LifeBond Advantage are only the name of the ULIP contract and does not in any way indicate the quality of the contracts, its future prospects or returns.
The premiums and funds are subject to certain charges related to the fund or to the premium paid and there is a possibility of increase in charges.
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.
Unit-linked funds are subject to market risks and there is no assurance or guarantee that the objective of the investment fund will be achieved.
Advt. No. 2234

*The customer data is kept strictly confidential.