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  • Aviva Dhan Samruddhi

    Aviva Life Insurance


    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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