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Aviva Dhan Nirman Plan

What is the Plan all About?

Aviva Dhan Nirman is a non-linked & participating life insurance plan that ensures a regular stream of income and lump sum with bonus at the maturity of the policy. This plan helps you grow your savings, safely. It also provides financial protection for the family, in case of an unfortunate event of your death.


What are the Key Features?

  • Guaranteed annual payouts
  • Grow your savings through simple reversionary bonus
  • Guaranteed payout at maturity
  • Get comprehensive financial protection
  • Enjoy premium rebate on choosing sum assured of 5 lacs & above
  • Option to alter the premium frequency

What are the Plan Benefits?

Death Benefit

    In the event of the untimely demise of the life assured during the policy term,  death sum assured payable is higher of 105% of the total premiums paid, 10 times of annualized premium, sum assured, or maturity sum assured.

    The vested simple reversionary bonuses and terminal bonus (if any), is also payable to the nominee.

Survival Benefit

    In case of survival of the life assured after completion of the premium payment term, survival benefit of 150% of the annual premium is payable on every policy anniversary.

Maturity Benefit

    If the life assured survives till end of the policy term, maturity sum assured along with vested simple reversionary bonuses and terminal bonus is payable. The maturity sum assured is 8/7/6/5 times of annual premium for policy term of 18/21/25/30 years, respectively.


    Simple Reversionary Bonus is a percentage of the sum assured and once declared, it will become guaranteed. It is payable at death/maturity under the policy. Terminal Bonus is a percentage of the sum assured and it is payable on termination of the policy.

Loan Benefit

    Loan facility is not available under this policy.

Surrender Value

    Surrender Value can be acquired on payment of all due premiums for at least 2 full policy years. Surrender Value is higher of Special Surrender Value or Guaranteed Surrender Value.

Tax Benefit

    Under this policy, premiums paid is eligible for tax benefits under section 80C and the policy proceeds under section 10 (10D) of the Income Tax Act, 1961.

Who can Buy the Plan?

Factor Minimum Maximum
Age (as on last birthday) 4 Years 50 Years
Age at Maturity - 75 Years
Policy Tenure 18/21/25 Years 30 Years
Premium Paying Term 14/15/16/18 Years -
Premium Paying Mode Annually, Semi Annually, Quarterly & Monthly -
Premium Amount Rs 14,486 Rs 9,98,000
Sum Assured Rs 2 Lacs Rs 1 Crore (pre Life)
Freelook Period 15 Days -
Grace Period 30 Days (15 Days For Monthly Mode) -
Plan Type Offline -

Is any Rider Available with this Plan?

No rider(s) is available under this plan.

How the Plan Works?

Mr. Ram, 30 years aged, is a salaried employee who opts for Aviva Dhan Nirman with sum assured of Rs 5 Lacs, policy term of 21 years, annual premium of Rs 44,020 for 15 years.

Scenario I: Mr. Ram survives through the end of the policy term, the maturity benefits payable are as shown below.

Aviva Dhan Nirman

Note: The bonus amount is calculated at 4% and 8% assumed investment returns. These rate of investment returns are neither lower or upper limits nor guaranteed. The actual bonus amount depends on a number of factors including future experience of ‘with-profit’ portfolio of the company.

Scenario II: In case of death of Mr. Ram during 12th policy year, the death benefits payable are as shown below.

Aviva Dhan Nirman Plan

In case of death of Mr. Ram during 18th policy year, the death benefits payable are as shown below.

Aviva Dhan Nirman Plan 1