Investments in life insurance provide the dual benefit of saving for your future financial requirements as well as financial security for your dependants in case of your death. Unlike other investment instruments (term deposits, mutual funds and stock market securities etc.), the nature of life insurance products is such that they are designed for the long term (10 years or more) and provide the best results when they are continued for their full term.

The right investment strategies won't just help you plan for a more comfortable tomorrow -- they will help you get Kal Par Control.

At Aviva, life insurance plans are created keeping in mind your changing needs and your family's. Our life insurance plans are designed to provide you with flexible options that meet both protection and savings needs.

We offer our customers a full range of transparent, flexible and value for money products that include whole life (LifeLong, Aviva LifeLine), endowment (LifeSaver, SaveGuard, EasyLife Plus, LifeSaver Plus, LifeSaver Super and traditional endowment – Dhan Vriddhi, Aviva Moneyback), child plan (Aviva Little Master) single premium (LifeBond Plus), pension (PensionPlus), term (LifeShield), fixed term protection cum savings plan (Freedom LifePlan), health plan (Aviva Health Plus) and a short-pay recurring premium investment cum protection plan (LifeBond5). Aviva products are modern and contemporary unitized products that offer unique customer benefits like flexibility to choose cover levels, indexation, partial withdrawals and unique investment options like a Systematic Transfer Plan to get the benefit of systematic investments and an Automatic Asset Allocation Plan which changes the risk structure on your investments as your age increases. We also have 3 rural plans which are a low cost term plan – Amar Suraksha and 2 endowments – Anmol Suraksha and Jana Suraksha.

We also offer you a choice of investment options. You can choose between our Unit Linked Fund and our With Profits Fund (only on PensionPlus).

The With Profits Fund guarantees that the selling price of the units will never fall. The unit value of this fund is increased by crediting bonuses on a daily compounding basis. The fund provides investment security to your capital.

The Unit Linked Funds are designed to provide relatively more progressive capital growth wherein you automatically receive the benefit related to the investment performance of the fund.

Under our Unit-Linked Insurance Plans we offer a choice of Unit-Linked Fund options:

Bond Fund: To generate a steady income through investment in high quality fixed income securities. The fund comprises of 100% debt and money market and no equities.

Protector Fund: Progressive returns on your investment by investing higher element of assets in debt securities, with minimum exposure to equities. The fund comprises of debt securities in the range of 60-100%, equities in the range of 0-20% and money market and cash in the range of 0-40%.

Secure Fund: The investment objective of this fund is to provide progressive return on your investment with a minimum guarantee on maturity. The fund comprises of debt securities in the range of 50-100%, equities in the range of 0-20% and money market and cash in the range of 0-40%. Initially the equity exposure will be 10 %.

Balanced Fund: The investment objective of this fund is to provide capital growth by availing opportunities in debt and equity markets and providing a good balance between risk and return. The fund comprises of debt securities in the range of 50-90%, equities in the range of 0-45% and money market and cash in the range of 0-40%.

Growth Fund: The investment objective of this fund is to provide high capital growth by investing higher element of assets in the equity market. The fund will comprise of debt securities in the range of 0-50%, equities in the range of 30-85% and money market and cash in the range of 0-40%.

Index Fund: To generate returns in line with the stock market index – NIFTY. The fund comprises of debt and money market securities in the range of 0-20% and equities in the range of 80-100%.

Enhancer Fund: To provide aggressive, long term capital growth with high equity exposure. The fund will comprise of debt and money market in the range of 0-40% and equities in the range of 60-100%.

Aviva also offers a whole range of group insurance and savings products catering to pensions, gratuities, credit protection and pure protection. We have a dedicated team that works with corporates across the country.

As per IRDA guidelines, all our unit-linked products have been modified.These guidelines have come into effect from 1 July 2006.

EasyLife Plus is a simple, unit-linked endowment plan with the benefit of life protection. By choosing an appropriate premium level and term, you can match the maturity date of the plan to a specific savings need such as your child’s education, wedding or any other financial need. It also offers extra financial protection against accidents without requiring you to undergo any medical examinations.

EasyLife Plus offers you 3 Unit Linked investment fund options, which give you the flexibility of choosing how your money should be invested in terms of the risk and the security of the return on the investment.

Regular Savings Personal Pension Plan

PensionPlus is a tax efficient, personal pension unit linked plan that is designed to help you earn a regular income, even after you stop working. Through this plan, you build a fund till you retire which provides you financial security after retirement.

PensionPlus offers you 5 unit linked funds including a new Pension Protector Fund and a new Pension Index Fund which invests your premium in line with the stock market index – NIFTY. It also gives you the flexibility of increasing your regular premiums when you need to and protect the real value of your investments through the Indexation option. With PensionPlus you can also revise the policy term as per your convenience.

SaveGuard is a simplified, unit-linked endowment plan. It is specially designed to help you save for important milestones like your child’s education and marriage, building a house or even creating a retirement fund. It also provides financial protection for your dependants in the unfortunate event of your demise. SaveGuard offers life an investment opportunity as well as insurance without requiring you to undergo any medical examinations.

SaveGuard offers you 5 Unit Linked investment fund options, which give you the flexibility of choosing how your money should be invested in terms of the risk and the security of the return on the investment.

Life Save Super is a unique unit linked endowment plan which offers flexibility as well as a higher life cover. The plan gives both the fund value as well as the Sum Assured in case of death thus providing higher financial protection to your family. It has the option of the Systematic Transfer Plan which reduces the risk of mis-timing the market and provides the benefits of a systematic investment plan.

Life Save Super offers you 4 unit linked funds as well as loyalty additions during the policy year, at maturity and a pay back of the first year premium. It also gives you the option of increasing or decreasing your premium amount as well as additional financial protection against accidental death or disability

LifeSaver Plus is a Unit Linked endowment plan designed to meet your future savings requirements besides offering a higher life cover. The plan offers full Sum Assured in addition to the Fund Value as death benefit in case of your unfortunate death, thereby providing a higher financial protection to your family. You can also opt for the “Systematic Transfer Plan”. The plan provides a loyalty addition at maturity.

LifeSaver Plus gives you the flexibility of choosing different policy and premium payment terms, a choice of 3 riders to cover accidental death, disability and hospitalization. It also gives you the option of choosing from or a combination of 4 unit-linked funds as well as the flexibility of increasing or reducing your premiums during the premium payment term.

Financial planning is an integral part of our life to meet our own goals, besides meeting the financial necessities of our loved ones. Aviva Dhan Vriddhi provides the necessary platform to make regular savings, get periodical returns out of your savings and also provide an insurance cover that protects your family financially, incase of your early death.

Aviva Dhan Vriddhi provides a guaranteed 7% addition on the sum assured for every completed policy year, provided all the due premiums have been paid. It also pays out a lump sum every 5 years of your sum assured to meet your immediate needs. With Aviva Dhan Vriddhi, you may opt for the Accidental Death Benefit (ADB) rider and your loved ones will get additional financial protection in case of your accidental death.

LifeSaver is a unit linked endowment plan designed to meet your specific long-term savings needs such as education and wedding costs for your children, with the added reassurance of a life cover to meet those costs in the unfortunate event of your death before the policy matures.

LifeSaver offers you 3 Unit Linked investment fund options as well as the option to increase or decrease your regular premiums. It also gives you the option of covering your spouse under the same policy (joint life) as well as a loyalty addition on regular premiums. You can also increase the value of your investment through top up premiums.

A simple unit-linked plan with 100% premium allocation.

We offer Aviva Sachin Century Plan With 100% allocation of all your premiums, giving you a return on the entire 100% invested by you. The plan is issued basis a simple declaration of good health by you, without having to undergo any hassles of medical examination.

A 6-in-1 health plan with Guaranteed maturity benefits.

When it comes to healthcare there can be no compromises. Even though healthcare comes with huge cost implication and at most unexpected of times. One must at all time be prepared to meet this contingency by setting aside a certain sum of money in form of saving or premiums for health assurance.

Most health assurance polices cover medical expenses at the time you need financial assistance most. But what happen to all the premium money in case a medical emergency never arises?

To answer this very question Aviva introduces Health plus. A health assurance policy that helps you manage the cost due to unexpected medical emergency and guarantees return of premiums amount at the end of policy period.

So you can truly live every moment, khul ke!

Term Insurance with Premium Back

Amar Suraksha is a life insurance plan which guarantees to pay a lump sum amount in the unfortunate event of your death during the term of the policy. On survival through the duration of the policy, you are returned the entire premium amount without interest.

Amar Suraksha can be purchased for any life between 18 to 45 years. The maximum age at maturity of the policy should be 50 years.

Amar Suraksha can be purchased for any amount ranging from a minimum sum insured of Rs. 20,000 to a maximum sum insured of Rs. 100,000.

The policy can be bought for a term of 5,10,15 or 20 years.

The minimum annual premium is Rs. 500. The maximum premium would depend upon the level of sum insured chosen.