Overview

You can now make a Top Up in your Aviva policy in a quick and easy manner. Introducing the online Top-Up premium payment facility. 

To avail this facility, you need to

1. Logon to your Aviva Account or click here
2. Select the policy for making top up payment & choose top up amount
3. Choose payment option and provide your Credit Card/Bank Information for authorization.

What is Top up Premium?

A top up premium is the extra premium that the policyholder pays over and above the regular premium in ULIP. It gives the flexibility to the policy holder to increase the value of investments over a long term . 

When can you Top-up your policy?

Top-up facility can be availed anytime during the policy term if all due premiums for the policy till date have been paid.

How to choose Top-up amount?

The maximum amount of top-up that can be paid varies for different products. In most cases, the amount should not exceed 25% of the total premium paid. Minimum top-up amount is always clearly defined in the policy document.

What are the charges levied on Top Up?

A premium allocation charge is levied on the paid Top Up premium. This charge varies from policy to policy and is usually between 0% to 3%. However, the policyholder usually gets higher allocation compared to the regular premium.

Are Switch & Partial Withdrawal allowed in Top Up Premium?

Partial withdrawal usually allowed after 3 years from the date of top-up without any penalty (in case your policy has been issued post Sep 2010 then it is allowed after 5 years) & switch between funds is allowed as and when required.

Does Top Up Premium provide the Tax benefits?

Tax benefits that can be availed are:

• Pension Policy : Tax benefits under the policy are subject to conditions under section 80CCC and 10(10A) of the Income Tax Act, 1961. Amount received on surrender or as pension is taxable as income. The tax laws are subject to amendments from time to time. 
• Life Policies : Tax benefits under the policy are subject to conditions under section 80C and 10(10D) of the Income Tax Act, 1961.The tax laws are subject to amendments from time to time and will be as per the prevailing tax laws.

Top up features are listed above are generic in nature and may vary from policy to policy. Kindly refer to your policy documents for details.

Click here to Top Up Premium online.

1. Quarter Ended 30th Jun 2020
2. Quarter Ended 30th Sep 2020
3. Quarter Ended 31st Dec 2020
4. Quarter Ended 31st March 2021

Financial Year 2019-2020

1. Quarter Ended 31st Mar 2020
2. Quarter Ended 31st Dec 2019
3. Quarter Ended 30th Sep 2019
4. Quarter Ended 30th June 2019

Financial Year 2018-2019

1. Quarter Ended 31st Mar 2019
2. Quarter Ended 31st Dec 2018
3. Quarter Ended 30th Sep 2018
4. Quarter Ended 30th June 2018

Financial Year 2017-2018

1. Quarter Ended 31st Mar 2018
2. Quarter Ended 31st Dec 2017
3. Quarter Ended 30th Sep 2017
4. Quarter Ended 30 Jun 2017

Financial Year 2016-2017

1. Quarter Ended 31st Mar 2017
2. Quarter Ended 31 Dec 2016
3. Quarter Ended 30 Sep 2016
4. Quarter Ended 30 Jun 2016

Financial Year 2015-2016

1. Quarter Ended 31 Mar 2016
2. Quarter Ended 31 Dec 2015
3. Quarter Ended 30 Sep 2015
4. Quarter Ended 30 June 2015

Financial Year 2014-2015

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2. Quarter Ended 31 Dec 2014
3. Quarter Ended 30 Sep 2014   
4. Quarter Ended 30 June 2014

Financial Year 2013-2014

1. Quarter Ended 31 Mar 2014    
2. Quarter Ended 31 Dec 2013 
3. Quarter Ended 30 Sep 2013 
4. Quarter Ended 30 June 2013

Financial Year 2012-2013

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2. Quarter Ended 31 Dec 2012  
3. Quarter Ended 30 Sep 2012   
4. Quarter Ended 30 June 2012

Financial Year 2011-2012

1. Quarter Ended 31 Mar 2012   
2. Quarter Ended 31 Dec 2011 
3. Quarter Ended 30 Sep 2011 
4. Quarter Ended 30 June 2011

Financial Year 2010-2011

1. Quarter Ended 31 Mar 2011
2. Quarter Ended 31 Dec 2010
3. Quarter Ended 30 Sep 2010
4. Quarter Ended 30 June 2010                    
   
    

Financial Year 2009-2010                    
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Financial Year 2005-2006

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Risk appetite is the ability to take certain risks in order to make gains. Each individual has a unique risk appetite when it comes to investing money. 

Factors affecting a person's risk appetite: 

The risk appetite of an individual depends on various factors like

1. Age
2. Life stage
3. Number of dependents
4. Nature of job / business
5. Financial responsibilities etc.
6. For instance a person nearing his retirement may have a lower risk appetite than a young person, though both of them may have a similar job profile and may draw a similar salary. 

Before investing, it is advisable to determine your risk profile and then opt for a suitable fund.

Risk Profile of Funds:
As a thumb rule the fund with maximum exposure to equities is the most risky of the funds while the fund with maximum exposure to money market securities is the least risky. Similarly as risk and return go hand in hand, equities have the potential to provide the best returns among various asset classes while money market instruments give the lower returns but with negligible risk. Also, among equity funds large-cap funds are less risky than mid-cap funds.

Fund Investments:
An investor may choose to alter his fund investments, depending on whether his risk profile has undergone a significant change or market conditions have altered. 
Many a times, an investor with high risk appetite may opt for low risk funds if he perceives that the market conditions are not suitable for investing in equities. In such a case, he may shift from a low risk fund to a high risk fund at a later stage, when he is convinced about the performance of the equity markets.

Investing in Aviva's funds:
We offer a wide spectrum of funds with different asset allocations, to meet different risk-return needs of investors. The matrix below may be used as a guide while choosing the right investment option as per one's risk profile and return expectation.

Risk Return Matrix