Individual Insurance Plan

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Life Insurance with Savings

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    Accumulate funds for specific life goals

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    Choose from guaranteed* or market-linked options

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    The family receives the payout on the death of the insured

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    Tax benefits

*Subject to all due premiums paid.
Tax benefits are as per prevailing tax laws which are subject to change. Oct 40/19

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Life Insurance with Savings

  • icon

    Accumulate funds for specific life goals

  • icon

    Choose from guaranteed* or market-linked options

  • icon

    The family receives the payout on the death of the insured

  • icon

    Tax benefits

*Subject to all due premiums paid.
Tax benefits are as per prevailing tax laws which are subject to change. Oct 40/19

Savings Plans

Be prepared for life's uncertainties, with savings that you make today

Savings plans are life insurance policies that prepare you to meet unexpected future events, whether they concern you or a loved one. The best savings plans in India offer a high amount of coverage whether you wish to pay for a medical emergency or a happy event like sending your child to a foreign university. By dint of systematic savings and investment, you can create a large corpus for future use. There are different savings schemes that account for varying goals, terms and expectations. We offer a wide range of savings plans that provide you with a regular income, promise high and steady growth, and have multiple policy term options.

Our Savings Plans

Bring you the safety of savings and investment with the promise of tax benefits

Guaranteed income plan that offers payout for 12 years

Aviva New Family Income Builder

Key Benefits
  • Guaranteed Income for self or family for 12 years
  • Pay for 12 years and get double of the premiums paid over the next 12 years
  • Tax deduction on premiums paid and tax exemption under 80(C), 10 (10D)

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Savings plan that doubles your money, Guaranteed!

Aviva Wealth Builder

Key Benefits
  • Get double the premiums paid at maturity or death, Guaranteed
  • Choose a policy term as per requirement
  • Tax benefits as per applicable tax laws. Tax laws are subject to change

Know More

Talk to an Expert

Unit linked plan to optimize your return

Aviva Affluence

Key Benefits
  • Chose investment horizon of 15 -30 years along with life cover
  • Choose from 7 funds as per risk appetite
  • Tax deduction on premiums paid and tax exemption under 80(C), 10 (10D)

Know More

Talk to an Expert

Online ULIP that optimizes your return on investment

Aviva i-Growth

Key Benefits
  • Chose saving horizon for 10/15/20 years along with life cover
  • Choose investment fund as per the degree of risk
  • Tax deduction on premiums paid and tax exemption under 80(C), 10 (10D)

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Calculate Premium

Unit linked plan for long term wealth creation

Aviva Life Bond Advantage

Key Benefits
  • Pay once and stay covered for up to 73 yrs
  • Choose from 7 funds as per the degree of risk
  • Tax benefits as per applicable tax laws. Tax laws are subject to change

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Talk to an Expert

A plan that guarantees monthly income

Aviva Income Suraksha

Key Benefits
  • Guaranteed monthly income for 10/12 years
  • Flexibility to align income as per life stage needs
  • Tax benefits as per applicable tax laws

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Talk to an Expert

Savings plan with guaranteed additions of up to 9% p.a.

Aviva Dhan Samruddhi

Key Benefits
  • Guaranteed money back after every 5 years and life cover
  • Save for a limited period with three policy term options
  • Tax deduction on premiums paid and tax exemption under 80(C), 10 (10D)

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Talk to an Expert

Plan offering guaranteed income and bonuses

Aviva Dhan Nirman

Key Benefits
  • Guaranteed annual income starting at the end of premium paying term
  • Choice of 4 Policy Terms with life cover
  • Tax deduction on premiums paid and tax exemption under 80(C), 10 (10D)

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Talk to an Expert

Secure savings with the power of bonuses

Aviva Dhan Vriddhi Plus

Key Benefits
  • Return of premiums + bonus at maturity
  • Choice of 3 premium payment terms
  • Tax deduction on premiums paid and tax exemption under 80(C), 10 (10D)

Know More

Talk to an Expert

Easy to buy savings plan offering guaranteed returns

POS - Aviva Dhan Suraksha

Key Benefits
  • Convenient purchase process without medicals
  • Life cover of 14.5 times the annual premium
  • Tax deduction on premiums paid and tax exemption under 80(C), 10 (10D)

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Talk to an Expert

Guaranteed income plan offering payouts for 11 years

Aviva Guaranteed Income Plan

Key Benefits
  • Annual Payouts from the 15th to the 25th year with lump sum along with the last payout
  • Life cover of 20 times the annual premium
  • Tax deduction on premiums paid and tax exemption under 80(C), 10 (10D)

Know More

Talk to an Expert

Cost efficient savings plan with life cover

Aviva Sampoorna Suraksha

Key Benefits
  • Get guaranteed benefit at maturity
  • Flexibility to choose premium payment term
  • Life cover with annual premium as low as Rs. 750

Know More

Talk to an Expert

Guaranteed income plan that offers payout for 12 years

Aviva New Family Income Builder

Key Benefit
  • Guaranteed Income for self or family for 12 years
  • Pay for 12 years and get double of the premiums paid over the next 12 years
  • Tax deduction on premiums paid and tax exemption under 80(C), 10 (10D)

Calculate Premium

Know More

Savings plan that doubles your money, Guaranteed!

Aviva Wealth Builder

Key Benefit
  • Get double the premiums paid at maturity or death, Guaranteed
  • Choose a policy term as per requirement
  • Tax benefits as per applicable tax laws. Tax laws are subject to change

Talk to an Expert

Know More

Unit linked plan to optimize your return

Aviva Affluence

Key Benefit
  • Chose investment horizon of 15 -30 years along with life cover
  • Choose from 7 funds as per risk appetite
  • Tax deduction on premiums paid and tax exemption under 80(C), 10 (10D)

Talk to an Expert

Know More

Online ULIP that optimizes your return on investment

Aviva i-Growth

Key Benefit
  • Chose saving horizon for 10/15/20 years along with life cover
  • Choose investment fund as per the degree of risk
  • Tax deduction on premiums paid and tax exemption under 80(C), 10 (10D)

Calculate Premium

Know More

Unit linked plan for long term wealth creation

Aviva Life Bond Advantage

Key Benefit
  • Pay once and stay covered for up to 73 yrs
  • Choose from 7 funds as per the degree of risk
  • Tax benefits as per applicable tax laws. Tax laws are subject to change

Talk to an Expert

Know More

A plan that guarantees monthly income

Aviva Income Suraksha

Key Benefit
  • Guaranteed monthly income for 10/12 years
  • Flexibility to align income as per life stage needs
  • Tax benefits as per applicable tax laws

Talk to an Expert

Know More

Savings plan with guaranteed additions of up to 9% p.a.

Aviva Dhan Samruddhi

Key Benefit
  • Guaranteed money back after every 5 years and life cover
  • Save for a limited period with three policy term options
  • Tax deduction on premiums paid and tax exemption under 80(C), 10 (10D)

Talk to an Expert

Know More

Plan offering guaranteed income and bonuses

Aviva Dhan Nirman

Key Benefit
  • Guaranteed annual income starting at the end of premium paying term
  • Choice of 4 Policy Terms with life cover
  • Tax deduction on premiums paid and tax exemption under 80(C), 10 (10D)

Talk to an Expert

Know More

Secure savings with the power of bonuses

Aviva Dhan Vriddhi Plus

Key Benefit
  • Return of premiums + bonus at maturity
  • Choice of 3 premium payment terms
  • Tax deduction on premiums paid and tax exemption under 80(C), 10 (10D)

Talk to an Expert

Know More

Easy to buy savings plan offering guaranteed returns

POS - Aviva Dhan Suraksha

Key Benefit
  • Convenient purchase process without medicals
  • Life cover of 14.5 times the annual premium
  • Tax deduction on premiums paid and tax exemption under 80(C), 10 (10D)

Talk to an Expert

Know More

Guaranteed income plan offering payouts for 11 years

Aviva Guaranteed Income Plan

Key Benefit
  • Annual Payouts from the 15th to the 25th year with lump sum along with the last payout
  • Life cover of 20 times the annual premium
  • Tax deduction on premiums paid and tax exemption under 80(C), 10 (10D)

Talk to an Expert

Know More

Cost efficient savings plan with life cover

Aviva Sampoorna Suraksha

Key Benefit
  • Get guaranteed benefit at maturity
  • Flexibility to choose premium payment term
  • Life cover with annual premium as low as Rs. 750

Talk to an Expert

Know More

Why Aviva Savings and Investment Plans

With our wide range of savings schemes, we have your future covered.

  • Most Trusted Brand

    Awarded Best Brand 2019 & Most Trusted Brand 2018 & 2019
    (TRA brand Trust Report, 2019 & Economic Times)

  • 2X Guaranteed Returns

    Reap the benefits of 2X guarantee with double the premiums paid over the policy term

  • Tax Benefits

    Save for a better tomorrow with tax exempted savings and draw benefits on premiums paid

Straight from our customers

  • "The services and policies given by Aviva are excellent, and would definitely recommend everyone to buy a policy with them!"

    Mr. Dinesh Nair
  • "I feel proud about my decision to be associated with Aviva to secure my family. I am happily enjoying my life because I know there is someone to take care of my family. Good going guys! Keep it up with such good plans and services."

    Mr. Nitin Garg
  • "I wish to extend my wishes to the Aviva Family for winning one of the Most Trusted Brands award, which builds my trust even more on the Term Plan I have with you guys. I am very happy with the services!"

    Mr. Deepak Sharma

Straight from our customers

"The services and policies given by Aviva are excellent, and would definitely recommend everyone to buy a policy with them!"

Mr. Dinesh Nair

"I feel proud about my decision to be associated with Aviva to secure my family. I am happily enjoying my life because I know there is someone to take care of my family. Good going guys! Keep it up with such good plans and services."

Mr. Nitin Garg

"I wish to extend my wishes to the Aviva Family for winning one of the Most Trusted Brands award, which builds my trust even more on the Term Plan I have with you guys. I am very happy with the services!"

Mr. Deepak Sharma

The Why, What & How of Savings Plans

Understanding the basics and features of savings plans

Learn More

Frequently Asked Questions

What are Savings Plans?

A savings plan is a life insurance policy that helps you safeguard your future goals. It may be a traditional participating plan, or an endowment policy, or a money back plan. Whatever kind of investment plan it is, it generates a growth on your savings and investment. The maturity benefit of this investment plan can help you fund a future emergent need, or plan for your retirement, or change the direction of your professional life. Whatever the end goal, the savings scheme has you covered.

How to choose the best Savings Plans for your needs?

The following points will help you select the best suited Savings Plans for your specific goals.

  • A plan that helps you save for your specific need.
  • A plan should offer investment options basis your risk appetite i.e. from guaranteed returns to investments in equity markets.
  • Offer tax exempt returns and offer tax benefits on premiums paid.

What are the best investment options in Insurance?

Broadly, there are 3 types of savings plans that you can buy, based on your financial goals and future requirements:

  • Endowment Plans - This is a savings scheme which offers a lump sum benefit on maturity of the plan term. The premiums may be paid annually or once
  • Money Back Plans - These savings plans repay the premiums paid at regular intervals, thus offering high liquidity and regular income
  • Unit Linked Insurance Plans (ULIPs) - These are market-linked savings plans in which the investment is divided into debt and equity instruments as per the customer’s risk profile. Thus, giving dual benefits - higher-returns from investing into the equity market and rebalancing the risk with debt investments.

Types of Savings and Investment Plans in India?

The following savings plans are currently available in India:

  • Endowment, money back and ULIP plans from private insurance providers
  • Government-backed saving schemes like National Savings Certificate, Postal Office Savings Scheme, Kisan Vikas Patra and Public Provident Fund, among many others.
  • All saving plans in India get tax benefits as per existing tax laws which are subject to change.

Why you need Savings and Investment Plans?

A large fund of money at your disposal stops many potential financial problems in their tracks. Saving money is the first step towards financial independence – but you need the right instrument, like a savings scheme with a reputed life insurance provider, to see you through whichever challenges life throws your way.

Having a large fund of money at hand dispels financial worry, and makes it possible for you to realise personal and familial milestones. It helps you plan your life better, with timely savings and investments in some of the best savings plans that your money can buy.

How Savings and Investment Plans by Aviva help you?

Aviva savings plans offer you the best combination of affordable premiums, flexible pay-out terms, regular growth and periodic income. Consider the following benefits of investing in Aviva saving schemes:

  • Adequate coverage to help plan future goals, save for children's future, structure your retirement, etc.
  • Flexible pay-out options and multiple premium payment terms
  • Savings plans are designed based on your future goals and expectations. So, you can opt for non-participating and participating plans as per your need
  • Savings plans are tax savings schemes as well. You get benefits under Sec 80C against premiums paid for the plan

What is ULIP (Unit Linked Insurance Plan)?

Unit Linked Insurance Plans (ULIPs) - These are market-linked savings plans that provide dual benefits of life cover and investment growth. In these plans, the investment is divided into debt and equity instruments as per the customer’s risk profile. Thus, giving the benefit of higher-returns from investing into the equity market and rebalancing the risk with debt instruments. Though invested in high-risk products, ULIP might provide higher returns to secure your long term goals.

How to Save Tax using Savings Plans?

Both single- and multiple-premium ULIPs are tax saving schemes. You get tax benefits as per existing tax laws which are subject to change.

Who should invest in Savings & Incomes Plans?

Everybody, Savings plans help you with the following.

  • Help generate regular income through disciplined long term savings
  • Help create corpus to meet specific life goals

How to double your money?

Invest in Aviva Wealth Builder, a savings plan that offers double the premiums paid over the policy term. It is a non-linked, non-participating traditional endowment plan with a guaranteed maturity benefit and also death benefit.

What is the difference between a traditional plan and a ULIP?

Both are savings products which enable an individual to save for specific life goals. A ULIP offers market linked funds which the customer can opt for basis his/her risk profile. A traditional plan generally invests in debt instruments.

What are Savings Plans?
How to choose the best Savings Plans for your needs?
What are the best investment options in Insurance?
Types of Savings and Investment Plans in India?
Why you need Savings and Investment Plans?
How Savings and Investment Plans by Aviva help you?
What is ULIP (Unit Linked Insurance Plan)?
How to Save Tax using Savings Plans?
Who should invest in Savings & Incomes Plans?
How to double your money?
What is the difference between a traditional plan and a ULIP?
AN: Sep 15/19

We are always there to assist you

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Please note that we will be accepting cash for premium payment only in legal tender as specified by Government of India | Click here to view the Annual Report of FY 2018-19 | We strongly advise consumers to deal only with financial institutions, advisers, firms or companies that are regulated by IRDAI | For any queries, please get in touch at 1800 103 7766 or 0124- 2709046 | Stay Alert. Stay Protected. Click here for important information regarding spurious calls and emails | Click here to read IRDAI's public notice on spurious calls and fictitious offers | Now enjoy the convenience of direct transfer of your policy benefits, whenever due, to your bank account. To update your bank details, call us at 1800 103 7766 | Aviva India announces simplified claim process & late fee waiver for policy holders affected in recent floods in the states of Gujarat, Maharashtra, Karnataka & Kerala. Click here to know more | Click here to view Notice of 19th Annual General Meeting | Click here to view Proxy Form |