This plan offers guaranteed payout at the time of maturity, if all due premiums are paid.

To invest in the Aviva Wealth Builder plan, the minimum entry age is 6 years, while, the maximum is 60 years. The minimum maturity age for Aviva New Wealth Builder Plan is 18 years, while, the maximum limit is 80 years.

One can pay the premiums under the Aviva New Wealth Builder Plan in a lump sum or choose from monthly, half-yearly, or yearly payment mode. (For monthly mode, only ECS or Direct Debit is allowed).

You have the option of paying premiums as ‘Single’, 6 or 10 years with corresponding policy terms of 14, 12 and 20 years respectively.

You can buy Aviva Wealth Builder Plan via our policy agents or by visiting the nearest Aviva insurance offices. The easiest way to buy Aviva’s best investment plan with returns is via our official website. Easy Steps to buy one of Aviva’s best investment plan Step 1: Depending upon the corpus you wish to build, choose the premium amount to meet your financial goals. Step 2: Choose the premium payment option and policy term option according to your convenience. Step 3: Click on the view illustration option and know the maturity value and other benefits of the savings plan. Step 4: To meet our Financial Planning Adviser, place a call to Aviva’s Toll-Free Customer Care number and fix an appointment.

Death Benefit: In case of death of the life insured during the policy term, provided all due premiums have been paid, the payout to the nominee will be highest of the following: • Death Sum Assured • 105% of the Total Premiums Paid • Surrender Value as on date of death {Surrender Value will be higher of Guaranteed Surrender Value or Special Surrender Value} Maturity Benefit: Maturity Sum Assured will be paid at the end of policy term, if all due premiums are paid. Add-on Cover - Accidental Death Benefit: There is an option of buying an add-on cover viz. ‘Accidental Death Benefit-Add-on Cover’ along with the base plan. In case this add-on cover is opted and life insured dies due an Accident, Accidental Death Benefit Sum Assured is paid subject to maximum of Rs.30 lacs per life for all policies issued under this plan. However, maximum Accidental death benefit is capped at Rs. 50 lacs considering all accidental death benefit covers in-force on the life of insured with Aviva.

If you stop paying premium before the first 2 policy years premiums are paid: • The policy shall lapse after the expiry of the grace period of 30 days without any benefit • If ADB cover is opted for, the benefit under this add-on benefit would also cease • You have five years from the date of first unpaid premium (FUP) to revive the policy and if not revived within this period, the policy shall terminate by paying 30% of the Total Premiums paid (excluding premiums for add-on ADB benefit). In case of death of the life insured during this period, 30% of the Total Premiums paid (excluding premiums for add-on ADB benefit) shall be paid to the nominee and policy shall be terminated. If you stop paying premium after at least first two policy years premiums are paid: • The policy shall become a paid up policy after expiry of grace period. • You will have five years from the date of first unpaid premium (FUP) to revive the policy and if not revived within this period, the policy shall continue with reduced benefits i.e Paid up Sum Assured. The paid-up death sum assured would be: Death Sum Assured X Total Premiums Paid / Total premiums payable under the policy • The ADB cover under Add-on benefit would also cease (if opted) In case of death before maturity or survival till maturity, the paid up sum assured shall be payable in respect of a paid-up policy.

In case your policy lapsed due to unpaid premiums, you can revive the policy within five years from the date of the first unpaid premium. • To revive the policy, as per the approved guidelines from the Insurance Board, you will have to submit the proof of continued insurability of the Life Insured to the satisfaction of the company. • To revive the policy, you will have to pay revival fee of Rs 250 plus taxes and 9% interest per annum compounding monthly on unpaid due premiums for the delayed period. • You will also need to pay all the unpaid premiums to continue the policy. • The revival fee and interest rate may change in the future with IRDAI’s approval.

You do have an option to cash-in (surrender) this policy after payment of at least two policy years premiums. Please note that the surrender amount will be less than the total of all premiums paid in most cases.

In case of death of the Life Insured due to suicide within 12 months from the date of commencement of risk under the policy or from the date of revival of the policy, as applicable, the nominee or beneficiary of the policyholder shall be entitled to at least 80% of the total premiums paid till the date of death or the surrender value available as on the date of death whichever is higher, provided the policy is in force. There are exclusions for the Accidental Death Benefit add-on cover . The Accidental Death Cover shall not be payable in case the policyholder’s death is due to any of the following, directly or indirectly: • Consumption of Alcohol or drug abuse including drug consumption other than what is prescribed by a medical practitioner. • Any crime committed by the life insured. • Wilful self-inflicted injury, suicide, or attempted suicide. • Aviation accident other than as a passenger, cabin crew and pilot in a commercially licensed passenger aircraft. • Engaging in racing of any kind other than athletics or swimming. • Any form of war, invasion, hostilities (whether war be declared or not), civil war, rebellion, riots, social disorder, insurrection, military or usurped power, or wilful participation in acts of violence. • Radioactive contamination due to a nuclear accident. • Participation in sports or pastimes of a hazardous nature including parachuting, potholing, mountaineering, and hot air ballooning.

The policyholder has the right to review the policy terms and conditions, within 15 days(30 days in case Policy is issued through distance marketing mode), from the date of receipt of the policy document. If the policyholder returns the policy during the freelook period, the Company will refund the premium on the date of cancellation, after deducting expenses incurred on medicals, if any, and stamp duty.