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Aviva Freedom Life Advantage allows you to choose the proportion of savings and protection and change it subsequently, in line with your changing needs, with the option to pay premiums for as few as 5 years, through:
Decide the corpus you wish to build for your future and the time when the same should be available. This will influence the choice of premium and the policy term.
Tip - Use the "Wealth Planner" calculator to help you decide
Policy Term (PT) - 15-30 years, subject to maximum maturity age of 75 years.
Choose the level of protection you desire through:
Single and Joint Life Cover Option
Range of Life Cover
Life Cover = (1.05 x PT x Annual Premium) to (2.5 x PT x Annual Premium)
For PPT= 5 years:
Minimum: (10 x Annual Premium) or (0.5 x Policy Term x Annual Premium), whichever is higher
Maximum: for age <= 40 years, 20 x Annual Premium
for age >40 years, same as minimum cover
In-built Accidental Death Cover
Optional Riders available:
Arrive at the amount of premium you wish to pay, which will be determined by step 1 and 2. Also choose the Premium Payment Term (PPT) and Premium Payment Frequency (PPF) based on your convenience.
Choose the funds you want to invest in depending on your risk appetite.
For details refer to the "Investment options" section in the product brochure.
Additional benefits are payable if the following riders are opted on the life of the Life Insured:
See an illustration for yield net of charges
Click here to see the illustration
This illustration is for a male aged 35 years, opting for minimum Sum Assured, pays premiums yearly and invests 100% into the Enhancer Fund-II (Premium Paying Term = Policy Term) and does not opt for the riders.
*Refer to the policy brochure for disclaimers
The policy will attract charges under various heads. The details of the same are given below:
Year 6 onwards
1.35% p.a. across all funds
0.1% of annual premium per month subject to a maximum of Rs 400 p.m. throughout the Policy Term
Refer to the policy brochure
#This depends on the amount of Premium Paid every year
For further details, please refer to the policy brochureRider premiums depend on the rider and the cover chosen. Rider premiums are collected in addition to the base plan premiums
Complete withdrawal is allowed after 5 policy years
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