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Aviva LifeShield Advantage provides comprehensive protection for your family incase you are not around. Additionally, all the money paid as premium will be returned to you on survival at the end of the Policy Term through:
Minimum Sum Assured: Rs 2 lacsMaximum Sum Assured:Option A - No limitOption B - Rs 50 lacs
Death / PTD Benefit:
• Option A: Life Protection
Death Benefit: In the unfortunate event of your death during the policy term, provided that all the due premiums are paid till death, the Sum Assured is paid to your nominee and the policy terminates
• Option B: Life-cum-disability protection along with Return of premium
Death/PTD Benefit: In the unfortunate event of your death or suffering from Permanent Total Disability (PTD) due to an accident, whichever is earlier during the policy term, provided that all the due premiums are paid till death, the Sum Assured along with the sum of all premiums paid till date of notification of death, will be paid and the policy terminates.
A life insured shall be regarded as Permanently and Totally Disabled only if, as a result of accidental bodily injury:
1. Life insured has suffered the loss by physical separation (or loss of use) of two limbs or
2. The complete and irremediable loss of sight in both eyes or
3. The loss by physical separation (or loss of use) of one limb, accompanied by the complete and
irremediable loss of sight in one eye or
4. Life insured has been continuously disabled for a period of 1 year and has been determined by
the Company to be incapacitated to such an extent as to render that person unable ever to
resume own or similar employment.
Here limb means hand/foot at or above wrist/ankle.
The amount payable on death shall be highest of the following:
a)10 times of the annualized premium (excluding taxes and extra premiums, if any), or (Applicable for Regular Premium Policy)
b)in case of Single premium, 125% of the single premium paid (excluding taxes and extra premiums, if any)
in case of Regular premium, 105% of all the premiums paid (excluding taxes and extra premiums, if any) as on date of death. or
c)the amount payable on the maturity of the policy.
d)In case of Option A-Sum Assured
In case of Option B-Sum Assured plus sum of all premiums paid (excluding extra premiums, if any and taxes)
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