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Overview

Aviva Dhan Samruddhi is a traditional life insurance plan that gives guaranteed cash back every 5 years in addition to guaranteed maturity benefit, to meet your short and long term needs.

Features & Benefits

Features
  • Guaranteed returns: Your policy earns a guaranteed addition of 7% per annum to 9% per annum of the annualised premium (excluding taxes and any other extra premium), depending upon the policy term chosen by you, till the end of the policy term which is payable at maturity
  • Liquidity: Your policy pays back 125% of the annualised premium (excluding taxes and any other extra premium) as survival benefit every 5 years (except at maturity)
  • Guaranteed Maturity Benefit: At maturity, you get the sum assured plus accrued guaranteed additions minus survival benefits already paid
  • Rebate for high Sum Assured: Rebate on basic premium is allowed if your sum assured is INR 5 lakh or higher
Benefits
  • Death Benefit: In the unfortunate event of death of the life insured within the policy term, the following payment would be made to the Nominee, provided all due premiums till date of death have been paid:
    The amount payable on death shall be highest of the following amounts:
    • 10 times of annualised premium (excluding taxes and extra premiums, if any), or
    • 105% of all the premiums paid (excluding taxes and extra premiums, if any) as on date of death or
    • Sum assured of the policy plus the guaranteed additions accrued till the date of death without deduction of any survival benefits already paid
  • Guaranteed Additions: You will be eligible for guaranteed additions at the end of each year depending on the chosen Policy Term if all due premiums are paid. The accrued guaranteed additions will be paid along with the maturity benefit, or on earlier death of the life insured.
Policy Term Guaranteed Addition per annum as % of Annualized Premium*
Policy Term 10 years 7%
Policy Term 15 years 8%
Policy Term 20 years 9%
  • Survival Benefit: You get guaranteed survival benefit equal to 125% of the annualised premium (excluding taxes and any other extra premium) at the end of every 5th policy year except at maturity, if all due premiums till the due date of Survival Benefit payments have been paid
  • Maturity Benefit: If you pay all due premiums, you get a guaranteed maturity benefit equal to the sum assured plus accrued guaranteed additions till maturity, less survival benefits already paid
  • Tax Benefits: Tax benefits will be applicable as per section 80C and 10(10D) of Insurance Act 1961. Tax laws are subject to change

Disclaimer: Insurance is the subject matter of the solicitation. IndusInd Bank Bank Ltd (License No. 1749817) is the Corporate Agent of Aviva Life Insurance Company India Limited (Regn.No.122Regn.No.122: Registered Office Address- 2nd floor, Prakashdeep Building, 7 Tolstoy Marg, New Delhi-11001). The Insurance products are offered and underwritten by Aviva Life Insurance Company India Limited. The contract of insurance is between the insurer and the insured and not between the bank and the insured. For more details on risk factors, terms and conditions, please read sales brochure carefully before concluding a sale. Tax benefits are available as per the prevailing tax laws, which are subject to change. AN No: Oct24/13

Eligibility

Entry Age Minimum: 13 years last birthday
Maximum: 55 years last birthday
Maturity Age 23 to 70 years
Policy Term 10, 15 or 20 years, subject to maximum maturity age
Premium Payment Term 10 years for all the Policy Terms
Sum Assured Minimum: INR 100,000; Maximum: INR 5 crore
Minimum Premium Depends upon Age, Policy Term and Sum Assured
INR 6,464 for yearly mode
INR 3,302 for half-yearly
INR 1,675 for quarterly mode
INR 563 for monthly mode
Maximum Premium INR 47.53 lakh
Premium Payment Frequency Annual, half yearly, quarterly and monthly
For monthly mode, only ECS/ Direct Debit are allowed
High Sum Assured Rebate High Sum Assured rebate is applicable for sum assured of INR 5 lakh and above.

Service tax would be charged over and above the premium as per the prevailing tax laws. Tax laws are subject to change.

Apply Now

Choose the basic sum assured depending upon corpus you wish to build to meet your financial goals and the time when you need it:
Minimum Sum Assured: INR 100,000
Maximum Sum Assured: INR 5 crores
Policy Term = 10, 15 or 20 years, subject to maximum maturity age
Premium Payment Term = 10 years for all policy terms

Disclaimer: Insurance is the subject matter of the solicitation. IndusInd Bank Bank Ltd (License No. 1749817) is the Corporate Agent of Aviva Life Insurance Company India Limited (Regn.No.122Regn.No.122: Registered Office Address- 2nd floor, Prakashdeep Building, 7 Tolstoy Marg, New Delhi-11001). The Insurance products are offered and underwritten by Aviva Life Insurance Company India Limited. The contract of insurance is between the insurer and the insured and not between the bank and the insured. For more details on risk factors, terms and conditions, please read sales brochure carefully before concluding a sale. Tax benefits are available as per the prevailing tax laws, which are subject to change. AN No: Oct24/13

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  • SAVINGS RATES

  • Daily balance upto 1 lac 4.5 %
  • Daily balance above 1 lac 6 %
  • DEPOSIT RATES

  • 2 years 6 months to below 2 years 9 months 9.25 %
  • Indus Tax Saver Scheme - 5 years (upto Rs 1 lac) 8.75 %
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