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Jul 03, 2015

Aviva Life - Dhan Samriddhi Plan


Fund Name:

Plan Group: Dhan Samriddhi Plan

Product Type: Individual

Plan Objective: Saving Plan

Investment Objective

Aviva Dhan Samruddhi insurance plan that enables you to build a corpus for future investments, while periodically giving money back during the policy term, so you can continue to meet your ongoing financial requirements with ease.

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Premium Details

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.

Policy Term

Policy Term :
10, 15 or 20 years, subject to maximum maturity age .


Guranteed Returns :
Your policy earns a guranteed addition of 7%v per annum to 9% per annum of the annualized premium (excluding taxes and any other extra premium ),till the end of the policy term,depending upon the policy term chosen by you.
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) .
Guranteed Maturity Benefit :
At maturity,you get the sum Assured plus accrued guranteed 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 .


Survival Benefit :
You get guranteed survival benefit equal to 125% of the Annualized premium (excludind tax & 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 hane been paid.
Maturity Benefit :
If you pay all due premiums ,you get a guranteed Maturity Benefit equal to the sum Assured plus accrud Guranteed Additions till Maturity ,less survival Benefits already paid.
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 .
Tax Benefit :
Tax Benefit will be as per the prevailing tax laws .Tax laws are subject to change.
Guranteed 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 accrude guranteed additions will be paid along with the maturity benefit ,or on earlier death of the life insured.

Sum Assured Details

Sum Assured :
Minimum: Rs. 100,000
Maximum: Rs. 5 crore

Entry Age Details

Entry Age :
Minimum13 years last birthday.
Maximum: 55 years last birthday.

Premium Payment Term

Premium Payment Term :
10 years for all the Policy Terms

General Exclusions

If death of the life insured occurs due to suicide or attempted suicide , within 12 months of the date of commencement or date of reinstatement/revival of the policy ,only surrender value (Guranteed surrender value or special surrender value ,which ever is higher),if any will be payable.

Surrender Details

Surrender Details :
An in-force or a paid up policy can be surrendered after third policy anniversary provided all due premiums of first two policy years have been paid.

Surrender value payable is greater of the guaranteed surrender value (GSV) and special surrender value (SSV).
GSV = 30% of (premiums paid excluding taxes and any other extra premium, less Survival Benefits already paid, if any)
SSV = {(Paid up Sum Assured plus accrued Guaranteed Additions) * SSV Factor} less (Survival Benefits already paid, if any)

Maturity Age Details

Maturity Age :
23 to 70 years

Grace Period

There is a grace period of 30 days to pay your premium for Yearly, Half Yearlys and Quarterly modes & 15 days for Monthly mode from th due date. The policy will continue with full risk cover during the grace period.

Free Look Period

You have the right to review the policy terms and conditions, within the freelook period which is 15 days from the date of receipt of the policy document. If you cancel the policy during the freelook period, the company will refund the premium on the date of cancellation after deducting expenses incurred on medicals and stamp duty.

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