Aviva Signature 3D Term Plan
Top notch security against uncertainties
49 Critical Illness Cover
Cancer Cardio Rider
Aviva Signature 3D Term Plan
We are constantly playing tug-of-war with uncertainties in life. By being proactive, we can pull the rope to our side and take control of the situation. With proactive measures in our daily life towards a healthy lifestyle, we can unlock a life of abundance.
We try to keep uncertainties at bay by adopting healthy habits like following a fitness regime, taking a balanced diet, doing yoga etc. however it's not possible for us to avoid the inevitable. While we take care of our physical and mental health, our comprehensive well-being is incomplete without a cover for our financial health. As we embrace a holistic lifestyle, that covers all bases, we become better prepared to take on the challenges that await us.
By choosing the right life insurance plan that provides us with three dimensions of security, we would get peace of mind knowing we are taking active steps to be fully covered.
Introducing, Aviva Signature 3D Term Plan, a life insurance plan that provides financial cover against the 3Ds – Death, Disability, and Disease. So now, get all-round protection and be ready for what’s next!
What is Preventive Wellness Package?
In recent years, our understanding of wellness has evolved significantly. It has grown beyond the narrow confines of physical health to encompass mental, emotional, and financial well-being. This holistic approach recognizes that true wellness is multifaceted, requiring a balance in all areas of our lives. In alignment with this perspective, we aim to prioritize preventive health care solutions, turning the needle from Protection to Prevention.
Introducing- “Preventive Wellness Package” which is designed to promote health and wellness, emphasizing prevention over treatment. These new offerings are now available with our existing Individual health Insurance riders - Aviva New Critical Illness Non-Linked Rider (122B036V02) and Aviva Cancer Cardio Non-Linked Rider (122B037V02) with Aviva Signature 3D Term Plan Base Plan.
Below mentioned grid will be applicable to opt for Preventive Wellness Package:
| Preventive Wellness Package | Healthy Habits - Silver | Healthy Habits - Gold | Healthy Habits - Platinum |
|---|---|---|---|
Items Included in package |
|
|
|
Base Plan Sum Assured | Rs.20 Lacs to Less than 75 Lacs | Rs. 75 Lacs to Less than Rs. 200 Lacs | Greater than or Equal to Rs. 200 Lacs |
Rider Sum Assured | At least 10% of Base Plan, subject to minimum Rs 5 Lacs and maximum of Rs. 50 Lacs (per life) | At least 10% of Base Plan, subject to minimum Rs 5 Lacs maximum of Rs. 50 Lacs (per life) | At least 10% of Base Plan |
For Detailed Term & Conditions Click Here.
Why should you buy Aviva Signature 3D Term Plan
Aviva Signature 3D Term Plan is that one plan which offers you both, wealth creation and financial security, with added convenience.
Comprehensive financial protection to your family
Waiver of Premiums in case of Critical/Terminal Illness*
*The Waiver of Premiums is applicable in case of Aviva New Critical Illness Rider and 3D-Accelerated option.
Additional Sum Assured on Accidental Death***
***In case Aviva Accidental Casualty Rider is opted at inception.
Option to buy the policy under MWP Act to prevent wrongful claim of Life Insurance monies
Receive upto ₹ 1 Cr/- of life coverage upon diagnosis of any terminal illness****
****If the 3D-Accelerated option is chosen
Customize your plan from a plethora of options
Receive payout upon the first diagnosis of any critical illness** covered under the plan
**In case Aviva New Critical Illness Rider or Aviva Cancer Cardio Rider is opted at inception.
Special premium rates for female lives and non-tobacco users#
#For Sum Assured more than 50.50 Lacs
Get back all premiums paid on survival till maturity with Return of Premium option
Aviva Signature 3D Term Plan options
3D Pure Term
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This option provides life insurance coverage in the form of a lump sum payment
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In the event of death of the life insured, the Base Sum Assured shall be payable and the policy will terminate thereafter
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Nothing is payable in case the insured survives till the maturity date
3D Family Plus
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This option provides life insurance coverage in the form of lump sum payment along with Regular Monthly Payouts (RMP)
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In the event of death of the life insured, Base Sum Assured shall be payable as a lump sum
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In addition, a regular monthly payout is also payable for 10 years starting from monthly anniversary following the date of death of the life insured. Amount of first 12 Regular Monthly payouts shall be equal to 0.25% of Base Sum Assured. This payout will increase by 8% p.a. compounded yearly, each year on the month following the death anniversary.
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Nothing is payable in case the insured survives till maturity date
3D Accelerated
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This option provides life insurance coverage in the form of a lump sum payment
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On the happening of the Terminal Illness 50% of the base sum assured or Rs.1crore whichever is lower amount shall be payable. The remaining amount of the base sum assured shall be payable on death if it happens during the policy term
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All future premiums are waived after the claim is paid for Terminal Illness
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Nothing is payable in case the insured survives till maturity date
3D Trop
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This option provides life insurance coverage in the form of lump sum payment
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In the event of death of the life insured, Base Sum Assured shall be payable and the policy will terminate
-
In case the life insured survives till maturity date, Total Premiums Paid shall be returned to the policyholder
Eligibility
Eligibility (Non POS)
| Criteria | 3D-Pure Term | 3D-Family Plus | 3D-Accelerated | 3D-TROP |
|---|---|---|---|---|
| Minimum Sum Assured | Rs. 5 lacs | Rs. 5 lacs | Rs. 50.50 lacs | Rs. 50.50 lacs |
| Maximum Sum Assured(Other than POSPs) |
No Limit subject to Board Approved Underwriting Policy Base Sum Assured is available in the multiples of Rs.50,000. |
|||
| Minimum Annualized Premium | Depends upon the minimum Sum Assured applicable for relevant options | |||
| Maximum Annualized premium | Depends upon the maximum Sum Assured | |||
| Minimum Entry Age | 18 Years Last Birthday | |||
| Maximum Entry Age | 65 Years last birthday | |||
|
Maximum Death Sum Assured for POSPs shall be Rs. 25 lacs (per life) subject to Board Approved Underwriting Policy. Only 3D-Pure Term is available via POSP’s No rider/s available with POSP version |
||||
| Minimum Maturity Age | 28 Years Last Birthday | |||
|
Maximum Maturity Age Maximum Maturity Age for POSPs is 65 Years, subject to other boundary conditions of the plan. |
1.Regular Premium Other than Whole of Life:80 Years 2.Limited Premium Other than Whole of Life: 80 Years 3.Limited Premium Whole of Life: 99 Years |
1.Regular Premium Other than Whole of Life:80 Years 2.Limited Premium Other than Whole of Life: 80 Years |
1.Regular Premium Other than Whole of Life:80 Years 2.Limited Premium Other than Whole of Life: 80 Years |
80 Years |
Eligibility (POS)
| Criteria | 3D-Pure Term |
|---|---|
| Minimum Sum Assured (Rs.) | 5 lacs |
| Maximum Sum Assured (Rs.) | 25 Lacs |
| Minimum Entry Age | 18 Years Last Birthday |
| Maximum Entry Age |
55 Years last birthday(Regular premium) 50 Year lbd(Limited Pay-10) 45 years lbd(Limited pay-15) 40 years lbd(Limited pay-20) 35 years lbd(Limited pay-25) 30 years lbd(Limited pay-30) |
| Minimum Policy Term | Regular Premium : 10 Years |
| Limited Premium :15 Years | |
| Maximum Policy Term | 47 Years (Subject to maximum Maturity Age 65 Years |
| Minimum Premium Payment Term | Regular Premium: Same as Policy Term |
| Limited Premium: 10Years | |
| Maximum Premium Payment Term | Regular Premium: Same as Policy Term |
| Limited Premium: 30Years | |
| Minimum Maturity Age | 28 Years Last Birthday |
| Maximum Maturity Age | 65 Years Last Birthday |
FAQs - Aviva Signature 3D Term Plan
The best time to buy the Term Insurance is now as this will ensure that you get the life cover at lower premiums for the desired policy term.
The life cover depends on your Annual Income at present. The rule of thumb is that your life cover should be equal to 20 times your annual income.
Your Policy Term should be equal to your retirement age minus current Age. (This is basis the assumption that by then, you would have taken care of all your liabilities). If you do not have a set age for Retirement, then you might want to opt for the Whole Life option.
It is the premium amount payable in a year chosen by the policyholder, excluding the taxes, rider premiums, underwriting extra premiums and loadings for modal premiums, if any.
It is the premium amount payable as a lump sum at the start of the policy by the policyholder, excluding the taxes, rider premiums and underwriting extra premiums, if any.
Extra premium is charged for extra mortality risk.
Our new Preventive Wellness Package aimed at promoting health and wellness among our customers. These new offerings will be seamlessly integrated with our existing riders- Aviva New Critical Illness Non-Linked Rider(UIN:122B036V02 and Aviva Cancer Cardio Non-Linked Rider(UIN:122B037V02).
If You opt for Aviva Critical Illness Non Linked Rider(UIN:122B036V02) or Aviva Cancer Cardio Non-Linked Rider(UIN:122B037V02) with Aviva Signature 3D Term Plan (with minimum Rider Sum Assured as 10% of Base Plan Sum Assured), You will be eligible to get One time Preventive Wellness Package.
- Healthy Habits -Silver
- Healthy Habits -Gold
- Healthy Habits -Platinum
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AN Aug 55/23, UIN: 122N148V02
