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Guaranteed Insurance plans in the race again!!!

Guarantee your customers Financial Planning with Avivas Dhan Vriddhi

Guarantee + Tax-Free Insurance plans are the need of the hour!

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Are we prepared? Aviva Dhan Vriddhi Plan

Provide high guaranteed returns to your customers Provide Rs. 70 per 1000 SA to your customers TAX-FREE Provide regular Money Back to your customers Provide complete protection to your customers Provide peace of mind to your customers

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Aviva Dhan Vriddhi


What needs does it meet
Customers Goal(s)

Childs education

Gift for Grand child

Retirement planning

Savings & Wealth Building

Create asset for wife

Income replacement

Needs Guaranteed returns

Aviva Dhan Vriddhi - Features that appeal


Guaranteed Survival Benefits (at the end of every 5th policy year) Guaranteed Corpus at maturity (through guaranteed loyalty additions)

Replacement of Income

Aviva Child Education Rider (beneficiary can be other than child) Death Sum Assured, Aviva Term Plus Rider, Aviva ADB Rider Disease, Disability Aviva Dread Disease Rider / Aviva Health Guard Rider
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Death, Disease, Disability coverage

All-in-One Financial Planning with Dhan Vriddhi


What can you offer to your customers?

Comprehensive savings plan that gives the best in class guaranteed returns and

regular Money Back with the power of protection To fulfill their short term and long
term financial goals

Wealth Building tool that provides high guaranteed returns and unlimited protection for complete financial planning

Use multiple Dhan Vriddhi policies for retirement planning. Buy one policy every year for 5 years and it will provide regular income every year along with replacement income for the spouse in the event of death (with Child Education Rider) in addition to the immediate tax-free lumpsum
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All-in-One Financial Planning with Dhan Vriddhi


What can you offer to your customers?

A guaranteed benefits plan that provides regular money back to give liquidity at important milestones for childs education and career planning, along with

replacement income in case you are not around (through Child Education Rider)

Gift from Grandparents For marriage / education of grand children with Parent as

life assured and grand children as nominee;


Premiums can be paid by Grandparents (tax rebate can be claimed by Parent/Grandparent)

Married Womens Property Act - You have the advantage of creating an encumbrance free asset for your wife and children which shall not be subject to control of creditors
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Aviva Dhan Vriddhi for savings & investments !


The positioning
Secure your future investment goals

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As we move through the journey of life, it is important to be ready to comfortably meet all future investment needs, whether it be education, marriage, retirement etc. At such times we need a specific corpus to help us ensure we fulfill our dreams and those of our loved ones. Aviva Dhan Vriddhi is an ideal savings cum protection plan that offers guaranteed returns on your investment, so you can meet your financial goals and protect your families lifestyle. Through a combination of guaranteed additions and Health and Protection riders, you will ensure not only your future, but also protect your family in case of your unfortunate death or illness.

Power Pitches

- Guaranteed returns help build the corpus you desire: Guaranteed annual additions @ 7% of the Sum Assured till end of policy term -Limited commitment to pay premiums: Pay premiums for 5 yrs less than policy term -Guard against medical contingencies: Future premiums waived in case you contract a CI/Disability by opting for Health Guard rider. Alternately opt for Dread Disease Rider & a lumpsum is paid immediately on contracting a CI/Disability -Regular Liquidity: This product gives you a regular money back where 20% of Sum Assured is paid out every 5 years, except at maturity. -Maturity Benefit: Guaranteed maturity benefit=Sum Assured + accrued guaranteed additions -Death Benefit: In the unfortunate event of your death the following payments would be made to your nominee: > Sum Assured along with the accrued guaranteed additions > Aviva Term Plus rider Sum Assured is payable, if this rider has been opted for > Double your cover, s.t. a maximum of Rs. 50 lacs by opting for ADB Rider > Regular income to nominee for remaining policy term, if Child Education rider opted
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Aviva Dhan Vriddhi for a comfortable retirement !


The positioning
Secure your retirement years

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As the cost of living increases, planning for future retirement needs in a safe and secure manner becomes more and more important. Planning without uncertainties and getting an assured corpus on retirement is essential to help you maintain your lifestyle and live your retirement years comfortably. Aviva Dhan Vriddhi is an ideal savings cum protection plan specially designed to meet your retirement needs for a safe and secure retirement corpus. This plan not only ensures you get the desired corpus on retirement through guaranteed additions on the sum assured but it also covers you in case of critical illnesses.

Power Pitches

- Guaranteed returns to maintain the standard of living you desire: Your policy earns guaranteed annual additions @ 7% of Sum Assured till end of policy term - Limited commitment to pay premiums: Premiums are not required to be paid during the last five policy years of the policy - Guard against medical contingencies: All future premiums will be waived off in case you contract a critical illness or disability by opting for Aviva Health Guard rider. - Regular Liquidity: Regular money back of 20% of Sum Assured every 5 years (except at maturity) - Maturity Benefit: Guaranteed maturity benefit of Sum Assured plus accrued guaranteed additions -Death Benefit: In the unfortunate event of your death the following payments would be made to your nominee: > Sum Assured along with the accrued guaranteed additions > Aviva Term Plus rider Sum Assured is payable, if this rider has been opted for > Double your cover, subject to a maximum of Rs. 50 lacs by opting for ADB Rider
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Aviva Dhan Vriddhi for a childs education !


The positioning
Secure your childs education

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As a parent, the most important investment for your child is a good education, and to secure this you want to have a guaranteed corpus to help fulfill his dreams.
Aviva Dhan Vriddhi is an ideal savings cum protection plan that offers guaranteed returns on your investment, to ensure that you plan for your childs future education without any risks. Also, with additional features such as the Child Education Rider, your childs education will go on uninterrupted even if you are not around. - Education Fund Booster through Guaranteed Additions: Earn guaranteed annual additions @ 7% of Sum Assured till end of policy term -Education fund creation through limited PPT: You are not required to pay premiums during the last five years of the policy -Money Back for your childs interim schooling needs: Every 5 years, 20% of Sum Assured is given back to you, except at maturity, to help you manage expenses during your childs growing years -Uninterrupted education of your child By opting for Aviva Child Benefit Rider in case of your death a monthly amount decided at inception is paid to your child / spouse (as nominated) till end of policy term -Maturity Benefit: A guaranteed maturity benefit of Sum Assured + accrued guaranteed additions -Death Benefit: In the unfortunate event of your death the following payments would be made to your nominee: > Sum Assured along with the accrued guaranteed additions > An additional Sum Assured if the Term Plus rider has been opted for > Double your cover, subject to a maximum of Rs. 50 lacs by opting for ADB Rider. > Regular income for remaining policy term, if Aviva Child Education rider is opted.
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Power Pitches

Aviva Dhan Vriddhi for your wifes future !


The positioning
Secure your familys future

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As we move through the journey of life, it is important to be ready to comfortably meet all future investment needs of our family, whether it be education, marriage, retirement etc. At such times we need a specific corpus to help us ensure we fulfill the dreams of our loved ones. Aviva Dhan Vriddhi is an ideal savings cum protection plan that offers guaranteed returns on your investment, so you can create an encumbrance free asset for your wife and/or children. Through a combination of guaranteed additions and Health and Protection riders, you will ensure not only their future, but also protect your family in case of your unfortunate death or illness.

Power Pitches

- Guaranteed returns help build a desired corpus for your wife & children: Guaranteed annual additions @ 7% of the Sum Assured till end of policy term -Limited commitment to pay premiums: Pay premiums for 5 yrs less than policy term -Guard against medical contingencies: Future premiums waived in case you contract a CI/Disability by opting for Health Guard rider. Alternately opt for Dread Disease Rider & a lumpsum is paid immediately on contracting an CI/Disability -Regular Liquidity: This product gives your wife & children a regular money back where 20% of Sum Assured is paid out every 5 years, except at maturity. -Maturity Benefit: Guaranteed maturity benefit of Sum Assured plus accrued guaranteed additions -Death Benefit: In the unfortunate event of your death the following payments would be made to your nominee: > Sum Assured along with the accrued guaranteed additions > Aviva Term Plus rider Sum Assured is payable, if this rider has been opted for > Double your cover, s.t. a maximum of Rs. 50 lacs by opting for ADB Rider > Regular income for remaining policy term, if Aviva Child Education rider is opted
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Aviva Dhan Vriddhi for your wifes future !


The positioning
Key Drivers Primary Target Audience

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Features to appeal Guaranteed Additions Maturity Benefit Survival Benefit Rebate for high Sum Assured Aviva Dread Disease Rider

Creating an encumbrance free asset

Self-employed professionals and business-men looking to secure an asset for their family

Illustration A 30 year old male wants to save ~Rs. 30,000 p.a. for his wife for 15 years. This gives a policy term of 20 years For Rs. 30,010 per year premium the customer can get a Sum Assured of Rs. 2.84 lacs He also takes Aviva Dread Disease Rider for an additional cover of Rs. 2.84 lacs with the premium being Rs. 871 p.a.
+ pay ~Rs. 871 p.a & get additional Dread Disease cover of Rs..2,84,000
Note: Your life cover is Rs. 2,84,000

You are 30 yrs and save ~Rs.30,010 p.a. for 15 yrs

So your wife can get ~Rs. 5,11,200 after 20 years

Guaranteed Additions @ ~Rs. 19,880 p.a.

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All Benefits will be payable to your wife

Payout Rs. 56,800

Payout Rs. 56,800

In case of critical illness


Payout Rs. 2,84,000

Payout Rs. 56,800

Maturity Benefits ~Rs. 5,11,200

Total Payout : Rs. 9.66 lacs on a premium payment of Rs. 4.63 lacs
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Aviva Dhan Vriddhi


The Product Specifications
Entry Age Policy Term (PT) Premium Payment Term (PPT) Annual Premium 13 to 55 years (base product) 18 to 55 years (with rider(s)) 10 to 20 years Policy Term minus 5 years Minimum: Rs. 5,000 (base product) Maximum No limit
Yearly, Half-Yearly, Quarterly, Monthly Note: If premium is payable more frequently than annually, then the installment premium shall be determined as follows: Half Yearly frequency = 0.5108 * Annual Premium Quarterly frequency = 0.2591 * Annual Premium Monthly frequency = 0.0871 * Annual Premium

Premium Payment Modes

Sum Assured (SA)

Minimum Rs. 50,000 Maximum No limit, subject to underwriting


Note: - SA should be in multiples of Rs. 1,000 New

Riders Offered

Aviva ADB Rider Aviva Term Plus Rider Aviva Child Education Rider Aviva Dread Disease (DD) Rider Aviva Health Guard Rider

New

Note: Aviva Dread Disease rider & Aviva Health Guard rider cannot be opted together
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Aviva Dhan Vriddhi


Benefits for the customer
Guaranteed Additions Simple guaranteed additions of Rs.70 per Rs.1000 sum assured of Base product for each completed year, provided all the due premiums have been paid.

Survival Benefits

A guaranteed Survival Benefit of 20% of Sum Assured at the end of every 5 policy years except at maturity, if all the due premiums are paid upto such date.

Maturity Benefit

Guaranteed maturity benefit = Sum Assured + Accrued Guaranteed Additions Survival benefits paid already In the unfortunate event of the policyholders death, while the policy is in-force, the following payments would be made to the nominee: Sum Assured + Accrued guaranteed additions Aviva Term Plus rider SA, if this rider has been opted for Additional ADB rider SA, if ADB rider has been opted, and death is due to an accident Regular income for the remaining policy term, if Aviva Child Education rider is opted
Note: Unpaid premium (due or otherwise) for the policy year in which death occurs will be deducted from the Death Benefit

Death Benefit

Tax Benefits

Tax benefits will be as per the prevailing tax laws. Tax laws are subject to change If insured contracts a specified Dread Disease or suffers Permanent Total Disability due to illness or accident then under: Aviva Health Guard Rider All future premiums of Base Plan as well as of any other rider will be waived Aviva Dread Disease (DD) Rider Aviva Dread Disease Rider Sum Assured will be payable
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Dread Disease / PTD Benefits

Note: - Aviva Dread Disease rider and Aviva Health Guard rider cannot be opted together under Aviva Dhan Vriddhi Plan