Investments in life insurance provide the dual benefit of saving for your future financial requirements as well as financial security for your dependants in case of your death. Unlike other investment instruments (term deposits, mutual funds and stock market securities etc.), the nature of life insurance products is such that they are designed for the long term (10 years or more) and provide the best results when they are continued for their full term.

The right investment strategies won't just help you plan for a more comfortable tomorrow -- they will help you get Kal Par Control.

At Aviva, life insurance plans are created keeping in mind your changing needs and your family's. Our life insurance plans are designed to provide you with flexible options that meet both protection and savings needs.

We offer our customers a full range of transparent, flexible and value for money products that include whole life (LifeLong), endowment (LifeSaver, SaveGuard, EasyLife Plus, LifeSaver Plus, LifeSaver Super and a traditional endowment – Dhan Vriddhi), child plan (Aviva Little Master) single premium (LifeBond Plus), pension (PensionPlus), term (LifeShield), fixed term protection cum savings plan (Freedom LifePlan) and a short-pay recurring premium investment cum protection plan (LifeBond5). Aviva products are modern and contemporary unitized products that offer unique customer benefits like flexibility to choose cover levels, indexation, partial withdrawals and unique investment options like a Systematic Transfer Plan to get the benefit of systematic investments and an Automatic Asset Allocation Plan which changes the risk structure on your investments as your age increases. We also have 3 rural plans which are a low cost term plan – Amar Suraksha and 2 endowments – Anmol Suraksha and Jana Suraksha.

We also offer you a choice of investment options. You can choose between our Unit Linked Fund and our With Profits Fund (only on PensionPlus).

The With Profits Fund guarantees that the selling price of the units will never fall. The unit value of this fund is increased by crediting bonuses on a daily compounding basis. The fund provides investment security to your capital.

The Unit Linked Funds are designed to provide relatively more progressive capital growth wherein you automatically receive the benefit related to the investment performance of the fund.

Under our Unit-Linked Insurance Plans we offer a choice of Unit-Linked Fund options:

Bond Fund: To generate a steady income through investment in high quality fixed income securities. The fund comprises of 100% debt and money market and no equities.

Protector Fund: Progressive returns on your investment by investing higher element of assets in debt securities, with minimum exposure to equities. The fund comprises of debt securities in the range of 60-100%, equities in the range of 0-20% and money market and cash in the range of 0-40%.

Secure Fund: The investment objective of this fund is to provide progressive return on your investment with a minimum guarantee on maturity. The fund comprises of debt securities in the range of 50-100%, equities in the range of 0-20% and money market and cash in the range of 0-40%. Initially the equity exposure will be 10 %.

Balanced Fund: The investment objective of this fund is to provide capital growth by availing opportunities in debt and equity markets and providing a good balance between risk and return. The fund comprises of debt securities in the range of 50-90%, equities in the range of 0-45% and money market and cash in the range of 0-40%.

Growth Fund: The investment objective of this fund is to provide high capital growth by investing higher element of assets in the equity market. The fund will comprise of debt securities in the range of 0-50%, equities in the range of 30-85% and money market and cash in the range of 0-40%.

Index Fund: To generate returns in line with the stock market index – NIFTY. The fund comprises of debt and money market securities in the range of 0-20% and equities in the range of 80-100%.

Enhancer Fund: To provide aggressive, long term capital growth with high equity exposure. The fund will comprise of debt and money market in the range of 0-40% and equities in the range of 60-100%.

Aviva also offers a whole range of group insurance and savings products catering to pensions, gratuities, credit protection and pure protection. We have a dedicated team that works with corporates across the country.

As per IRDA guidelines, all our unit-linked products have been modified.These guidelines have come into effect from 1 July 2006.