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Aviva Dhan Samruddhi Plan

What is the Plan all About?

Aviva Dhan Samruddhi is a traditional life Insurance Plan that offers guaranteed cash back every 5 years in addition to the guaranteed maturity benefit, to meet your short and long term needs.


What are the Key Features?

  • Guaranteed money back during the policy term
  • Guaranteed yearly additions up to 9% of Annualized premium
  • Limited premium payment term
  • Guaranteed additions to boost your savings
  • Rebate for high sum assured
  • Flexibility to choose premium amount
  • Get Tax Benefit under prevailing tax laws

What are the Plan Benefits?

Death Benefit

    In case of the unfortunate event of death of the life insured during the policy term, your nominee will get the death sum assured, which is the highest of:

    • 10 times of the annualised premium (excluding service tax, education cess and extra mortality charges)
    • 105% of all premiums paid
    • Sum assured of the policy plus guaranteed additions accrued till the date of death without deduction

Guaranteed Additions

    Guaranteed additions will vary as per the policy term.The guaranteed additions will accrue at the end of each policy year during the policy term.The accrued guaranteed additions are payable either on death or maturity, whichever happens first.

    Aviva Dhan Samruddhi

Survival Benefit

    Survival benefit is equal to 125% of the annual premium at the end of every 5 years, except for the maturity is payable under this plan as per the policy term opted.For the policy term equal to 10 years, survival benefit is payable after completion of 5th policy year.For the policy term equal to 15 years, survival benefit is payable after completion of 5th  and 10th policy year. For the policy term equal to 20 years, survival benefit is payable after completion of 5th , 10th and 15th policy year.

Maturity Benefit

    Maturity benefit is payable on  the survival of the Life Assured till the end of the policy term. Maturity benefit is equal to the Maturity sum assured plus  guaranteed additions till maturity less survival benefits already paid.


    The plan is not eligible for any bonus as it is a non participating plan.

Loan Benefit

    No loan benefit is available under this plan.

Surrender Value

    The surrender value payable will be greater of the Guaranteed Surrender Value (GSV) and Special Surrender Value (SSV) provided 2 full years’ premiums have been paid.

Tax Benefit

    The plan helps in getting tax benefits under section 80C  and section 10 (10D) of the Income Tax Act,1961.

Who can Buy the Plan?

Factor Minimum Maximum
Age (as on last birthday) 13 Years 55 Years
Age at Maturity 23 Years 70 Years
Policy Tenure 10/15 Years 20 Years
Premium Paying Term 10 Years 10 Years
Premium Paying Mode Annually/Semi Annually/Quarterly/monthly -
Premium Amount Rs 6,464(for Annual Premium) Rs 47.53 Lacs
Sum Assured 1 Lac 5 Crore
Freelook Period 15 Days /30 Days (for Distance Marketing Channel) From The Receipt Of The Policy -
Grace Period 30 Days /15 Days (monthly Mode Policies) -
Plan Type Offline -

Is any Rider Available with this Plan?

No Riders are available under this plan.

How the Plan Works?

Let us understand the plan with your example:

Aviva Dhan Samruddhi Plan