Features & Benefits

• With a strong sales force of over 30,000 Financial Planning Advisers (FPAs), Aviva  has initiated and pioneered many innovative sales approaches, including the concept of Bancassurance and Financial Health Check services.
• A seasoned team of fund managers make our fund management are one of the key differentiators with Aviva. Keeping with Aviva’s commitment of social responsibility, Aviva has been successful in reaching out to the underprivileged strata through their Microinsurance initiatives.
• Aviva brings to you, not just a robust product portfolio meeting all your lifecycle needs related to – Savings, Retirement, Investments and Protection but right investment strategies that will help you plan for a secured future.

Types

• Child Plans: A comprehensive plan to help realize your child’s dreams.
• Savings: A simple plan to take care of 100% of your protection and saving needs.
• Retirement Plans: A plan that ensures that you don't wait till 60 to follow your heart.
• Protection Plan: A pure risk coverage plan that provides Financial protection against unforeseen risks
  
  

Child Plans
 
Aviva Young Scholar
Aviva Young Scholar is a comprehensive plan that enables you to secure your child’s future in any eventuality through:

• Attractive returns, enhanced by bonus units every 5 years to build the desired corpus of funds on maturity of the policy.
• 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, disability or on contracting a critical illness, while the Sum Assured is paid out immediately.
• Provision of a regular income for the minor child, in the event of parent’s death.
  
  
Savings Plans

Save Guard is a predominantly savings plan with low risk cover that does not require a medical examination

• Life Cover (Sum Assured) is 5 times annual premium, subject to a max of Rs 18 Lacs
• Minimal documentation
• Guaranteed loyalty addition during the term and on maturity
  
  
Life Saver Plus is a flexible long term savings plan that offers the option to increase or reduce premium or sum assured after 3 yrs, with the benefit of increasing protection through :

• Increasing level of protection:
• Life Cover (Sum Assured) plus Fund Value as death benefit
• Flexible Life Cover 5*APE to 1.5*PT*APE
• Long-term savings in line with changing needs
• Increase / decrease premium and /or Life Cover after 3 years
• Fund options - Growth, Balanced, Protector & Secure, STP option available
  
  
Aviva Sachin Century Plan offers a high level of protection with ease of saving through :

• Ease of saving
• Minimum premium of Rs 6,000
• Partial withdrawals allowed after 3 years
• Premium holiday (upto 2 years) after 3 years
• 3% guarantee on Secure Fund
• Policy issued basis 5 questions Declaration of Good Health (DGH)
• High level of protection
• Sum Assured plus Fund Value as death benefit
• Accidental Death Benefit (ADB) rider for additional protection
  
  
Freedom Life Plan allows you to choose the proportion of savings and protection and change it, in line with your changing needs, with the option to pay premiums for as few as 3 years, through:

• Option to reduce premium and increase / decrease Life Cover (Sum Assured)
• Range of cover from 5*AP to 1.25*PT*AP
• Select from three riders – Accidental Death and Dismemberment Rider (AD&D) , Critical Illness and Permanent Total Disability Rider (CI&PTD) , Hospital Cash Benefit Rider (HCB)
• Indexation to protect savings & protection against inflation
• Limited premium paying term(PPT) including 3 & 5 years, with an option  to increase the PPT (if PPT>=10)
• 5 fund options (Growth, Balanced, Enhancer, Protector, Bond), AAA & STP
• 100% allocation from sixth year
  
  
Aviva Dhan Vriddhi is a money back plan that provides you a guaranteed amount of money at regular intervals and protection through the Life Cover (Sum Assured), in the event of death

• Traditional Money Back with a guarantee of 7% of Life Cover till maturity
• Discount on premium at the rate of 1.2% of Life Cover if it is more than Rs 5 lakhs
• Fixed return on regular interval (can opt for odd term options as well like 13 yrs / 19 yrs/ 23 yrs etc.) as per need / milestones
• Good option to balance with equity investments
  
  

Retirement Plans:
  
Pension Plus is a market leading pension plan that helps you accumulate and grow your investments, to fund your post-retirement years through: 

• Attractive returns (one of the best in the industry, enhanced by loyalty additions for all regular premium polices, with policy term of at least 20 years)
• Option of Indexation and Additional Regular Premium to beat inflation as well as align the retirement corpus with the desired lifestyle post-retirement
  
  

Aviva Pension Elite is a complete retirement solution, which helps you build a corpus to provide you with regular income even when you stop earning, through 

• Attractive returns, enhanced by loyalty additions on maturity.
• Flexibility to change the policy term, once during the policy term.
• Option of increasing the regular premium amount by a fixed indexation rate, to safeguard the real value of your investments from inflation
• Life cover as a death benefit

Protection Plans:
  
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
• Most competitive rates