Aviva Dhan Samruddhi


Aviva Dhan Samruddhi is a traditional life insurance plan that gives guaranteed cash back every 5 years in addition to guaranteed maturity benefit, to meet your short and long term needs.

Guaranteed returns: Your policy earns a Guaranteed Addition of 7% per annum to 9% per annum of the Annualized Premium (excluding taxes and any other extra premium), depending upon the policy term chosen by you,till the end of the policy term which is payable at maturity.

Liquidity: Your policy pays back 125% of the Annualized Premium (excluding taxes and any other extra premium) as Survival Benefit every 5 years (except at maturity)

Guaranteed Maturity Benefit: At maturity, you get the Sum Assured plus accrued Guaranteed Additions minus Survival Benefits already paid. 

Rebate for high Sum Assured: Rebate on basic premium is allowed if your Sum Assured is Rs. 5 Lacs or higher. 


 Entry Age

Minimum: 13 years last birthday 
Maximum: 55 years last birthday

 Maturity Age

23 to 70 years

 Policy Term

 10, 15 or 20 years, subject to maximum maturity age 

 Premium Payment Term

 10 years for all the Policy Terms

 Sum Assured

 Minimum: Rs. 100,000; Maximum: Rs. 5 crore

Minimum Premium

 Depends upon Age, Policy Term and Sum Assured 
Rs. 6,464 for Yearly mode
Rs. 3,302 for Half-Yearly
Rs. 1,675 for Quarterly mode
Rs. 563 for Monthly mode

 Maximum Premium

Rs. 47.53 lacs  

 Premium Payment Frequency

Annual, Half Yearly, Quarterly & Monthly
For monthly mode, only ECS/ Direct Debit are allowed

 High Sum Assured Rebate

High Sum Assured rebate is applicable for Sum Assured of 5 Lacs and above.

Taxes including but not limited to Goods & Services Tax, Cesses as applicable shall also be levied as notified by the Government from time to time. Tax laws are subject to change.

Benefits That I Will Receive

•​Death Benefit: In the unfortunate event of death of the Life Insured within the Policy Term, the following payment would be made to the Nominee, provided all due premiums till date of death have been paid:

The amount payable on death shall be highest of the following amounts:
a) 10 times of annualized premium (excluding taxes and extra premiums, if any), or
b) 105% of all the premiums paid (excluding taxes and extra premiums, if any) as on date of death or
c) sum assured of the policy
   plus the Guaranteed Additions accrued till the date of death without deduction of any survival benefits already paid.
•Guaranteed Additions: You will be eligible for Guaranteed Additions at the end of each year depending on the chosen Policy Term if all due premiums are paid. The accrued Guaranteed Additions will be paid along with the Maturity Benefit, or on earlier death of the Life Insured.

Policy Term

Guaranteed Addition per annum as % of Annualized Premium*

Policy Term 10 years


Policy Term 15 years


Policy Term 20 year    


* Annualized Premium excludes taxes and any other extra premium
Survival Benefit: You get guaranteed Survival Benefit equal to 125% of the Annualized Premium (excluding taxes and any other extra premium) at the end of every 5th policy year except at maturity, if all due premiums till the due date of Survival Benefit payments have been paid. 
•Maturity Benefit: If you pay all due premiums, you get a guaranteed Maturity Benefit equal to  the Sum Assured plus accrued Guaranteed Additions till maturity,  less Survival Benefits already paid. 
•Tax Benefits: Tax benefits will be applicable as per section 80C and 10(10D) of Insurance Act 1961. Tax laws are subject to change.
Please refer product brochure for details

Easy Steps to Plan

 Step 1

Choose the basic Sum Assured depending upon corpus you wish to build to meet your financial goals and the time when you need it

Minimum Sum  Assured: Rs.100,000
Maximum Sum Assured: Rs. 5 crores
Policy Term = 10, 15 or 20 years, subject to maximum maturity age
Premium Payment Term = 10 years for all policy terms

Step 2

Calculate the premium as per chosen sum assured and Policy Term basis your age. Also chose the Premium Payment Frequency based on your convenience

 Click on ‘calculate premium’ link to calculate premium