Aviva Dhan Samruddhi - (UIN No 122N097V02)

    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.
    • Guaranteed returns: Your policy earns a Guaranteed Addition of 7% per annum to 9% per annum of the Annualized 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 Annualized 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 Rs. 5 Lacs or higher.

Specifications

    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: Rs. 100,000; Maximum: Rs. 5 crore
    Minimum Premium

    Depends upon Age, Policy Term and Sum Assured 
    Rs. 6,464 for Yearly mode
    Rs. 3,302 for Half-Yearly
    Rs. 1,675 for Quarterly mode
    Rs. 563 for Monthly mode

    Maximum Premium Rs. 47.53 lacs
    Premium Payment Frequency Annual, Half Yearly, Quarterly & Monthly
    For monthly mode, only ECS/ Direct Debit are allowed
    High Sum Assured Rebate High Sum Assured rebate is applicable for Sum Assured of 5 Lacs and above.

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

    What am I going to get?

    • 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 annualized 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%

    * Annualized Premium excludes taxes and any other extra premium

    • Survival Benefit: You get guaranteed Survival Benefit equal to 125% of the Annualized 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

Easy Steps to Plan

    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: Rs.100,000
    Maximum Sum Assured: Rs. 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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