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Aviva Dhan Vriddhi Plus is a non-linked, participating, & limited pay endowment insurance plan that helps fulfill your long term financial goals such as children’s education, planning for retirement, etc. This plan provides guaranteed lump sum equal to the premiums paid plus accrued bonuses at maturity of the policy that ensures growth to your savings. This plan also provides financial cover for your family, in case of your unfortunate demise.
Get QuoteDeath Benefit
In case of unfortunate demise of the life insured during the policy term, death sum assured plus vested simple reversionary bonus plus terminal bonus is payable. Death sum assured is higher of 105% of all the premiums paid, 10 times of annualized premium, sum assured, or maturity sum assured of the policy. The policy will terminate on death of the life insured.
Maturity Benefit
100% return of premiums paid plus vested simple reversionary bonuses plus terminal bonus is payable at maturity of the policy, provided all due premiums have been paid and the insured survives till end of the policy term
Bonus
Simple Reversionary Bonus is a percentage of the sum assured and it is declared at the end of every financial year. Upon declaring Simple Reversionary Bonus, it will become guaranteed and is payable at death/maturity under the policy. Terminal Bonus is a percentage of the sum assured and it is payable on termination of the policy on death/surrender/maturity.
Loan Benefit
Loan is not available under this policy.
Surrender Value
The Surrender Value payable is higher of Special Surrender Value and Guaranteed Surrender Value. Under this policy, the surrender value is available after payment of all due premiums for at least 2 full policy years.
Tax Benefit
Premiums paid and the policy benefits can avail tax benefits under section 80C & 10 (10D) of the Income Tax Act, respectively.
| Factor | Minimum | Maximum |
| Age (as on last birthday) | 18 Years | 50 Years |
| Age at Maturity | - | 70 Years |
| Policy Tenure | 20 Years | - |
| Premium Paying Term | 5/7/11 Years | - |
| Premium Paying Mode | Annually Only | - |
| Premium Amount | Rs 21,258 | Rs 48,68,500 |
| Sum Assured | For 5 Years PPT- Rs 5 Lacs (18 To 45 Years Entry Age), Rs 10 Lacs (46 To 50 Years Entry Age) For 7 Years PPT- Rs 5 Lacs For 11 Years PPT- Rs 3 Lacs | Rs 5 Crores |
| Freelook Period | 15 Days | - |
| Grace Period | 30 Days | - |
| Plan Type | Offline | - |
No rider(s) can be attached under this plan.
Mr. Sharma at 30 years of age purchases Aviva Dhan Vriddhi Plus with policy term of 20 years, sum assured of Rs 16.31 lacs with annual premium of Rs 1 Lacs.
Case I: If Mr. Sharma survives till end of the policy term, the benefits payable are as shown below.
Case II: In case of death of Mr. Sharma at the end of the 5th policy year after paying five premiums, the benefits payable are as shown below.
Please Note: The returns illustrated above are calculated at 4% and 8% assumed investment return. The actual return may vary and it depends on future experience in with-profit fund.
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