Get Quotes from Top Insurers with Lowest Premium
Enter Details > Get Quotes > Buy Your privacy is protected.
Unbiased information on plans from varied insurance companies
Easy comparisons to choose the best insurance plan
No hidden costs, pay the same premiumas offered by the insurer
Pre and post sales expert assistance for smooth online buying experience
Reliable, Accurate and Quick policy servicing
Our representative will get back to you soon.
You can also directly contact us at

Aviva Dhan Vriddhi Plus Plan

What is the Plan all About?

Aviva Dhan Vriddhi Plus is a non-linked, participating, & limited pay endowment insurance plan that helps fulfill your long term financial goals such as children’s education, planning for retirement, etc. This plan provides guaranteed lump sum equal to the premiums paid plus accrued bonuses at maturity of the policy that ensures growth to your savings. This plan also provides financial cover for your family, in case of your unfortunate demise.


What are the Key Features?

  • Guaranteed returns at maturity
  • Financial security for your family
  • Avail bonus to increase the corpus
  • Flexibility to choose premium payment term
  • Get tax exemption

What are the Plan Benefits?

Death Benefit

    In case of unfortunate demise of the life insured during the policy term, death sum assured plus vested simple reversionary bonus plus terminal bonus is payable. Death sum assured is higher of 105% of all the premiums paid, 10 times of annualized premium, sum assured, or maturity sum assured of the policy. The policy will terminate on death of the life insured.

Maturity Benefit

    100% return of premiums paid plus vested simple reversionary bonuses plus terminal bonus is payable at maturity of the policy, provided all due premiums have been paid and the insured survives till end of the policy term


    Simple Reversionary Bonus is a percentage of the sum assured and it is declared at the end of every financial year. Upon declaring Simple Reversionary Bonus, it will become guaranteed and 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 on death/surrender/maturity.

Loan Benefit

    Loan is not available under this policy.

Surrender Value

    The Surrender Value payable is higher of Special Surrender Value and Guaranteed Surrender Value. Under this policy, the surrender value is available after payment of all due premiums for at least 2 full policy years.

Tax Benefit

    Premiums paid and the policy benefits can avail tax benefits under section 80C & 10 (10D) of the Income Tax Act, respectively.

Who can Buy the Plan?

Factor Minimum Maximum
Age (as on last birthday) 18 Years 50 Years
Age at Maturity - 70 Years
Policy Tenure 20 Years -
Premium Paying Term 5/7/11 Years -
Premium Paying Mode Annually Only -
Premium Amount Rs 21,258 Rs 48,68,500
Sum Assured For 5 Years PPT- Rs 5 Lacs (18 To 45 Years Entry Age), Rs 10 Lacs (46 To 50 Years Entry Age) For 7 Years PPT- Rs 5 Lacs For 11 Years PPT- Rs 3 Lacs Rs 5 Crores
Freelook Period 15 Days -
Grace Period 30 Days -
Plan Type Offline -

Is any Rider Available with this Plan?

No rider(s) can be attached under this plan.

How the Plan Works?

Mr. Sharma at 30 years of age purchases Aviva Dhan Vriddhi Plus with policy term of 20 years, sum assured of Rs 16.31 lacs with annual premium of Rs 1 Lacs.

Case I: If Mr. Sharma survives till end of the policy term, the benefits payable are as shown below.

Aviva Dhan Vriddhi Plus

Case II: In case of death of Mr. Sharma at the end of the 5th policy year after paying five premiums, the benefits payable are as shown below.

Aviva Dhan Vriddhi Plus Plan

Please Note: The returns illustrated above are calculated at 4% and 8% assumed investment return. The actual return may vary and it depends on future experience in with-profit fund.