Aviva Dhan Samruddhi


Financial emergencies generally come unannounced, having the power to destroy your life and leave you in shambles. It is wise to prepare oneself for such conditions, ensuring that one is ready for anything that might come along. Aviva Dhan Samruddhi is a money back plan which assures guaranteed returns to policyholders, helping them meet both short and long term requirements. The Aviva Life plan offers guaranteed cash every 5 years, ensuring a policyholder has sufficient liquidity for unforeseen events.

Eligibility Criteria of Aviva Dhan Samruddhi

Entry Age

Minimum – 13 years

Maximum – 55 years

Maturity Age

Minimum – 23 years

Maximum – 70 years

Sum Assured

Minimum – Rs 1,00,000

Maximum – Rs 5 crore

Minimum Premium

Yearly mode – Rs 6,464

Half yearly mode – Rs 3,302

Quarterly mode – Rs 1,675

Monthly mode – Rs 563

Maximum Premium

Rs 47.53 lakhs

Key Features of Aviva Dhan Samruddhi


Non linked non participating money back scheme with guaranteed returns


Death Benefit – In the event of unfortunate demise of policyholder, his/her nominee will be entitled to the highest among the following options:

  • 10 times the annualized premium or

  • 105% of total premiums paid till time of death or

  • sum assured in the policy

In addition to these, a Guaranteed Additions amount will also be paid.

Survival Benefit – Policyholders get a guaranteed survival benefit equivalent to 125% of annualized premium every 5 years (except on maturity).

Maturity Benefit – On maturity, policyholders will be entitled to a maturity benefit equivalent to the Sum Assured and any accrued guaranteed additions. This amount will be paid after deducting the survival benefits which have already been paid.



Premium paying term (PPT)

10 years

Premium paying frequency

Monthly, quarterly, half-yearly and yearly


Lapsed policies can be renewed/revived within 2 years from date of first unpaid premium by clearing all outstanding dues and an interest of 9% per annum, which is compounded every month. In addition to this they are also required to pay a revival fee of Rs 250.

Free Look Period

Policyholders get a 15 day Free Look period within which they can decide to terminate the policy.

Surrender Value

Surrender option available, subject to premiums for 2 years being paid. The surrender value depends on the year of surrender and policy term.

Advantages of Aviva Dhan Samruddhi

Tax Benefits

Policyholders are eligible for tax benefits under Section 80C and 10 (10D) of the Income Tax Act, 1961.

Assured Income

This plan offers a guaranteed addition ranging between 7 and 9% per annum on the annualized premium, for the chosen policy term.


Policyholders are paid 125% of the annualized premium every 5 years.

Rebate on sum assured

Policyholders get a rebate on premium if the sum assured is over Rs 5 lakh.

Maturity Benefit

Policyholders are assured of a guaranteed maturity benefit.

How the Plan Works

Aviva Dhan Samruddhi is designed to ensure policyholders aren't left short changed when it comes to short term monetary requirements. Individuals who wish to invest in this plan need to pay a premium amount for a fixed period of 10 years. The policy term can be chosen as per their needs, with an option between a 10, 15 or 20 year term. The sum assured and premium amount can be adjusted according to the financial position of an individual. Policyholders get a maturity benefit at the end of the policy term and a survival benefit every 5 years.

The example below highlights how this plan works.

Mr. John, aged 30 decides to secure his future by investing in Aviva Dhan Samruddhi plan. He opts for a policy term of 15 years, with an annual premium of Rs 20,000. As per the plan he will receive a survival bonus after the end of the 5th and 10th year, the amount being 125% of his annualized premium. He is also entitled to a guaranteed addition of 8% per annum on the annualized premium. At the end of his policy term, Mr. John will receive a maturity benefit which is equivalent to this sum assured and the guaranteed additions till this date. This final payment will be paid after deducting the survival benefits.

Premium Payments

The premiums for this plan can be paid either monthly, quarterly, half-yearly or yearly, depending on the policyholder. This amount needs to be paid for 10 years, with the minimum premium amount depending on the payment mode. The table below highlights the premium payment options.


Minimum Premium


Rs 6,464


Rs 3,302


Rs 1,675


Rs 563


There are no riders available under this plan.

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