Aviva Signature 3D Term Plan | Aviva India Skip to main content

Aviva Signature 3D Term Plan

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!

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
  • This option provides life insurance coverage in the form of a lump sum payment

  • In the event of death of the life insured, the Base Sum Assured shall be payable and the policy will terminate thereafter

  • Nothing is payable in case the insured survives till the maturity date

3D Family Plus
  • This option provides life insurance coverage in the form of lump sum payment along with Regular Monthly Payouts (RMP)

  • In the event of death of the life insured, Base Sum Assured shall be payable as a lump sum

  • 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.

  • Nothing is payable in case the insured survives till maturity date

3D Accelerated
  • This option provides life insurance coverage in the form of a lump sum payment

  • 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

  • All future premiums are waived after the claim is paid for Terminal Illness

  • Nothing is payable in case the insured survives till maturity date

3D Trop
  • This option provides life insurance coverage in the form of lump sum payment

  • 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.

We are always there to assist you

AN Aug 55/23, UIN: 122N148V01
Connect With Expert Calculate Premium