Life is unpredictable. No matter how carefully we plan, unexpected events can disrupt our financial security and long-term goals. Being financially prepared can make all the difference, whether it’s a sudden illness, an unforeseen expense, or losing a loved one.
Life Insurance is more than just an assurance—it is a smart financial tool that provides protection, stability, and peace of mind. It ensures that no matter what happens, your family’s future remains secure, your dreams stay on track, and your financial goals are within reach.
Aviva India offers a range of Life Insurance and Term Insurance solutions tailored to help you build a strong financial foundation while preparing for life’s uncertainties. Let’s explore how Aviva can help you safeguard your future.
Why Life Insurance is Essential for Future Planning?
While we cannot predict the future, we can certainly prepare for it. A well-structured Life Insurance plan provides:
- Financial security for your family in case of unforeseen circumstances
- A disciplined savings plan that helps grow your wealth over time
- Tax benefits that reduce your taxable income and increase your savings
- A reliable income source for future expenses like children’s education, homeownership, or retirement
- A debt-protection strategy, ensuring your loved ones are not burdened with loans
With Aviva Life Insurance, you get more than just a policy—you get a long-term financial plan that protects your present and secures your future.
Aviva Signature Investment Plan – Platinum: A Life Insurance Plan That Grows With You
For those looking to combine financial protection with investment growth, the Aviva Signature Investment Plan – Platinum is an ideal choice. This Unit-Linked Insurance Plan (ULIP) offers security and wealth accumulation, ensuring you meet your long-term financial goals while staying protected.
Key Benefits:
- Dual Benefit: You will get dual benefit of Sum Assured and the Fund Value on the death of the policyholder.
- Protection & Investment in One Plan – Enjoy the dual advantage of life coverage and market-linked investment returns.
- Flexibility to Manage Investments – Choose from eight investment funds and switch between them at no additional cost.
- Tax Benefits – Premiums paid qualify for tax deductions under Section 80C, while the maturity and death benefits are tax-free under Section 10(10D).
- Retirement Protection with RetireSafe Feature – As you approach maturity, your funds are automatically shifted to low-risk options to protect against market fluctuations.
- Systematic Partial Withdrawals – Withdraw funds after five years to meet financial needs without affecting policy benefits.
- Maximise Wealth with ULIP Benefits – Invest up to ₹2.5 Lakh annually in ULIPs to optimise tax efficiency. Over time, tax-free returns on the maturity of the plan enhance financial efficiency while ensuring protection.
This plan is designed for individuals who want Life Insurance coverage and the potential for long-term financial growth.
Aviva Signature 3D Term Plan – Platinum: Affordable and Reliable Term Insurance
The Aviva Signature 3D Term Plan – Platinum is the perfect solution for a simple and affordable protection plan. As a pure Term Insurance plan, it ensures that your family is financially secure even in your absence.
Choose from Two Plan Options to Suit Your Needs:
- Life Protect – Provides a uniform amount of life insurance coverage throughout the policy term.
- Credit Protect – This offers financial support for loan repayment, ensuring your family remains stress-free even during tough times.
Key Benefits:
- High Life Cover at Low Premiums – Get substantial coverage at an affordable cost, starting from a sum assured of ₹30 Lakh.
- Tax Savings – Premiums qualify for deductions under Section 80C, while the death benefit is tax-free under Section 10(10D).*
- Additional Riders for Extra Protection – Enhance coverage with riders for accidental casualty, critical illness, and cancer cardio protection.
- Flexible Payment Modes – Choose from single, yearly, half-yearly, quarterly, or monthly premium payments.
This Term Insurance plan is ideal for individuals who want comprehensive protection without the complexities of an investment-linked policy.
An individual earning ₹30 Lakh annually can reduce their taxable income by investing ₹2.5 Lakh in the Aviva Signature 3D Term Plan – Platinum under Section 80C. This brings their taxable income down to ₹27.5 Lakh, resulting in tax savings of approximately ₹75,000. The death benefits from this Term Insurance Plan remain tax-free under Section 10(10D), ensuring financial security for the family while optimising post-tax income to approximately ₹25.95 Lakh.
*As per Section 10(10D), maturity and death benefits from ULIPs remain tax-free only if the total annual premium does not exceed ₹2.5 Lakh, as per the Finance Act 2023 amendments.
Secure Your Future with Aviva Life Insurance
Planning for the future requires more than saving money—it requires a structured approach considering life’s uncertainties. Aviva India’s Life Insurance and Term Insurance plans help you prepare for unexpected financial situations in the following ways:
1. Income Protection for Your Family
Life is uncertain, but your family’s financial security does not have to be. With Aviva’s Life Insurance plans, your loved ones will receive a lump sum payout in the event of your passing, ensuring they can maintain their standard of living without financial stress.
2. Debt-Free Future
Many people take out loans for education, housing, or business growth. In case of an unfortunate event, your Term Insurance coverage ensures that your family is not burdened with unpaid debts.
3. Retirement Security
Building a retirement fund requires disciplined savings. Aviva’s investment-linked plans provide a growth-oriented approach, ensuring that you have sufficient funds for a comfortable post-retirement life.
4. Tax Savings
With rising tax liabilities, it is essential to maximise your savings. Aviva’s Life Insurance plans offer significant tax benefits, reducing taxable income while securing your future.
5. Emergency Fund Access
Certain Life Insurance policies allow partial withdrawals, ensuring you can access funds when needed.
Why Choose Aviva India for Life Insurance?
With a legacy of trust and financial expertise, Aviva India offers best-in-class Life Insurance solutions that cater to different financial needs. Here’s why Aviva is the right partner for securing your future:
- Customisable Plans—Whether you need an investment-linked plan or a simple Term Insurance policy, Aviva offers options tailored to your goals.
- Competitive Premium Rates – Aviva offers affordable pricing with special discounts for non-tobacco users and women.
- Transparent and Hassle-Free Claims – A simple and efficient claims process with a Claim Settlement Ratio of 98.98% ensures your beneficiaries receive the benefits without delays.
- Strong Financial Foundation – Aviva India has a proven track record of delivering reliable insurance solutions backed by a strong financial structure.
Conclusion: Secure Your Future with Aviva Life Insurance
Life is full of surprises, but financial uncertainty should never be one of them. Whether you are planning for your family’s future, securing your retirement, or looking for ways to optimise tax savings, Aviva Life Insurance has the right solutions.
With options ranging from investment-linked policies to affordable Term Insurance, Aviva ensures that your financial future remains secure—no matter what life throws your way.
Take charge of your tomorrow today. Explore Aviva’s Life Insurance plans and build a financially stable future for yourself and your loved ones.
*Standard T&C Apply
**Tax benefits are subject to change in prevalent tax laws.
***Disclaimer: The content on this page is generic and shared only for informational and explanatory purposes. It is based on several secondary sources on the internet and is subject to changes. Please consult an expert before making any related decisions.
****Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.
