Aviva Pension Plan Calculator

Aviva pension plans are amongst the high-rated designs of secured compensations. With the achieved ability to balance their finances, one can determine their growth and uplift the standard of living, even after their completed tenure of service. Aviva claims to be among the first companies to come up with the ingenious concept of modern

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  • Flexibility to withdraw fund value any time

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    Under Sec 80 C & 10(10D)

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

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unit linked and unitized with-profit plans. With various programmes and plans in hand, Aviva pension plan calculator eases the task of strategizing the rates in manual records.

Why Should You use the Aviva Pension Plan calculator?

Amid the multitude of data, keeping a tracked record of unerring numbers, packaged in pension plans, is a challenging task. These pension plans aid in a steady stream of payments so that the policyholder can plan for his retirement needs and scale the differences.

 In Aviva insurance plans and budgets, fall two important pension plans like Aviva Next Innings Pension Plan and Aviva Annuity Plus Plan. Serving as an easily accessible and convenient tool, Aviva Pension Plan Calculator, calculates premium plans for these plans. With easy comparison, budget making and future planning are also secure in facile method. 

Process to Use Aviva Pension Plan Calculator 

  1. Enter the required information and personal details.

    To avail the benefits of fine calculation and perfect record or choose the best of plans and schemes for easy old age and secured finances, filling one's gender, DOB, marital status, current debts and liabilities, annual income, coverage amount required, etc. And also must fill in the details regarding one's extra habits or activities like drinking or smoking.

  2. Enter the sum assured amount

    The sum assured amount must be filled with careful consideration and a future plan of secured actions. To proceed with premium calculations and comparative analysis, one must have a clear-cut idea on the basis of policy as well as one's required credentials. As a lump sum amount or monthly division of pay, one can opt as per their convenience.

  3. Check the premium amount and finalize the policy purchase

    After the filled credentials, one will see the estimated amount on their screens for the appropriate plan. Now to determine if it falls within the league of the budget is a criterion of advanced planning and optimal decision. If it does, then buying the term policy will secure the future finances of dear ones. In the otherwise of the situation, the prospective buyer can consider opting for other plans suiting their investment.

Advantages of Aviva Pension Plan Calculator

Aviva pension plan calculator is a comprehensive tool to safeguard the family interest of the policyholder with accurate assessment on the premium benefits and right insurance coverage. 

Aviva pensions, stocks and shares, readymade insurance programs and self-invested income programmes benchmark quality and reliability. With diverse range of terms and plans, it provides several advantages as listed below: 

  1. Gives an estimated premium amount

     The series of offers may have the minds dubious over the right plan for those who don't even have the exact idea on these. But once, they enter the relevant details online, the reflection on screen steers clear any such confusions whatsoever.

  2. Saves the time efficiently

     Saving from the tedious process of manual calculation and tracking of bonuses or payment, it is handy and compares such stats in a time efficient manner with accurate assessment on the same.  Hence, it’s a time friendly tool.

  3.  Cost-effective 

    Aviva pension plan calculator is free of cost online tool and accessible to all. Without the inhibitions and in a hassle-free manner, this tool is much of a privileged concept. Policyholders can in just a click on the website have all their records segregated with precision and computed way. Thereby, being error free and cost effective.

Information Required While Using Aviva Pension Plan Calculator 

Using this source of service, one must provide with its prerequisite information-

  • Personal information: including date of birth, income, loan, debt, gender etc.
  • Health information- prevailing medical conditions, illness history, critical habits like smoking.
  • Sum assured amount

Benefits of Buying Aviva Pension Plan Calculator 

When one buys such offers and invests in these plans, it assures:

  1. Guaranteed income

     Fixed/steady income is guaranteed after investing. Thus, even after the end of service, one can be ensured of regular payment at home. So Aviva Pension calculator gives a rough estimate of how much one would require after retiring.

  2. Liquidity

    Retirement plans offer little liquidity to buyers but there are few plans that offer this opportunity as well to withdraw. So during emergencies, one has to not seek for bank loaning or external aids. Individuals have the choice to take lump sum or instalments for pension. Depending on the policyholder's circumstances, one can opt for either, i.e., take lifetime income instead of lump sum for the pension. A lump sum gives more flexibility and control and more responsibility to manage the proceeds. While in instalments, there is tax deduction and security.

  3. Vesting age

     At this age, one begins to avail their monthly pay. Most plans have their vesting age at 45 with flexibility up to 70 years. Some can even extend up to 95 years. 

  4. Risk mitigation

     For any unprecedented casualty or financial instability, one may not have to panic for running assets but can rely on assured payments. Aviva pensions can be cashed out whenever financial requirements arise. When one plans to go through income drawdowns, pension money can be cashed. It provides a tax free part of your pension, either as a lump sum or in instalment. One can claim the taxable part in due time later as required.

  5. Tax Benefits

    The pension plans offer the dual benefit of investment and insurance cover. So as it's filled in the saved amount of our pension plans, it accumulates to pay off after retirement. It secures the retired life financially, Section 80C and 10 (10D) of Income Tax Act. With certain tax liberty under Section 10(10A), commuted pension is exempted while section 80CCC exempts premiums from taxation. The death benefits are ruled out by Section 10 (10D)

** Standard Terms and Conditions apply

** Tax benefits are subject to change bylaws.

AVIVA Pension Plan Rates

Aviva pension plan rates are at affordable and comprehensive status. They are formulated in distinct patterns to fit every requirement of the customer. The rates of pension plans can vary among applicants based on type of insurance, opted mode and source of service. The documents and paperwork demands information. In normal and generalised terms, they adhere with-

  • Age of the applicant.
  • Gender- women tend to get better premium rates 
  • Sum assured- when the sum assured are high then they have the corroborating rates low.
  • Policy tenure- The higher the number of years, the lesser the premium amount.
  • Applicant's occupation
  • Premium payment terms

**Standard terms and conditions apply.

Hence, a person can determine their pension plans with the effective process of strategy by Aviva Pension Plan calculator.

FAQ's

  • Q: How can I calculate my pension amount?

    Ans: Most pension calculators generally calculate pension based on input criteria like an individual’s age, gender, and the monthly amount of investment. Most plans recommend saving at least 15% of monthly salary for pension. One can use the calculator to find out the pension amount.
  • Q: In which case pension can be stopped?

    Ans: The pension can be stopped or be terminated permanently, if the employee is found guilty of a serious crime. Even the cancellation of Aviva life pension plan is possible in the free look period of 15 days.
  • Q: Can a company hold back your pension or nullify the pension amount?

    Ans: Employers can end their pensions through a process of plan termination. One can terminate their plan the standard way after showing PBGC. In case of serious criminal offence or grave misconduct, the company can stop the pensions at government orders.
  • Q: Does Aviva charge any amount to transfer the pension amount?

    Ans: Aviva doesn’t take up any extra charges for transferring online. In the case amount being transferred to older existing pension, nominal fee may be charged.
  • Q: Do I need to pay tax on my pension?

    Ans: In tax free amounts, no tax is charged on total annual income if it adds up to less than the Rs. 2.5 lakhs. One needs to file a return if the annual pension income goes beyond that. For senior citizens, 60 years or above, the limit is Rs 3 lakhs. For super senior citizens, 80 years and above, the limit is Rs 5 lakhs.
  • Q: What is the process of checking my Aviva Pension online?

    Ans: One can follow these steps: Login to ‘My Aviva’ section on the insurer website.
    • Refer to the pension documents
    • Change the details relating to payments 
    • Check the status of the fund.
    • Make a single payment into your pension
  • Q: Can a person have two pensions?

    Ans: There are no restrictions on pension schemes but there are limits on total amounts that can be distributed amongst all these each year.
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
Average Rating
(Based on 24 Reviews)
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Aviva Pension Plan Calculator Reviews & Ratings

4.1 / 5 (Based on 24 Reviews)
(Showing Newest 24 reviews)
Umakant
Nainital, August 04, 2016
Retirement policy
After taking aviva pension plan the future is fully secured, the investment is also less. The policy coverage is high and claiming become very easy due to fast service facilitated by the company members. No long waiting in the queue due to fast service.
Rajesh
Howrah, July 15, 2016
Pension Plan
I have pension plan which i purchase from aviva life insurance. Policy premium is less but the returns are high. Policy coverage is good and investments are less. Service is fabulous facilitate by the executives and the staff members of the company.
Aman
Kanpur, July 04, 2016
Perfect
The insurance plan i have is pension plan which is very beneficial. Premium is less but the paybacks are high. Claims are easy to sanctioned because of quick service of staff members of your company. Future security is here in low investment which has full security.
Gaurav
Jorhat, June 27, 2016
Good
My pension plan is good and premium is low. Good future investment which reduces taxes. Service provided by staff of the company is good. Policy coverage is high and claims is easily sanctioned due to fast and on time service. Hassle free documentations and easy renewal.
Nirmal
Nilagiri, March 22, 2016
Normal Policy
Service is bit slow but the work is completed after taking time. Claims are good and the policy coverage is high. Premiums are normal ~30 K thrice per year and the returns are Rs.35 L after policy get mature. Normal pension policy plan which i buy from aviva life insurance.
Pariniti
Yamunanagar, March 22, 2016
Okay Okay
The policy i buy from aviva life insurance is fine pension plan but the returns are not that high as the premiums. The policy coverage is good and the claims are normal. Service is slow but the work is done after some waiting in the queue. The staff members are behave well but the claiming procedure is very long.
Sunidhi
Ludhiana, March 22, 2016
Future Savings
Pension policy plan for my husband i buy from aviva life insurance. The policy coverage is good 82% and the claims are high. The premiums are low ~1 L per year and the returns are high 1 C after policy ends. Service is fast and the waiting is not necessary because no paper work is there for most work and the web services are also good.
Heemani
Khalilabad, March 22, 2016
Great Deal
The pension policy plan i have is great on which i buy from aviva life insurance. Premium is low approx. 50 K twice per year and the returns are high ~Rs.60 L after policy ends. Services is great with fast interface and the executives behave well. I must say great work you guys do.
Yajan
Sonipat, March 22, 2016
Average Policy
Policy i buy through aviva life pension policy plan is an average policy. Policy coverage is 60% and the claims are okay. Services you provided is bit slow but the work is done nicely. The behaviour of the executives and the staff members are very good. Fair policy plan.
Prabhjot
Gwalior, March 22, 2016
Manageable Policy Plan
My pension policy plan is with aviva life insurance. The policy is not good either not bad. The policy coverage and claims are high. The premiums are low and the payback returns are really very high. I must say you guys doing great work. The services have super sonic speed.
Sajja
Dwarka, March 22, 2016
Wonderful
My pension policy plan is wonderful. The policy coverage is high with high claims. The premiums are low and the payback returns are really very good. Service is fast with good nature and behaviour of executives and the staff members. I enjoying the policy.
Hemant
Ahmedabad, March 22, 2016
Perfect Policy Plan
The pension policy plan i have is the perfect one. The policy coverage is good ~96% and the claims are high. The premiums are low ~27 K quarterly per year. And the returns are much more than this around Rs.55 L. Service is very fast and the executives with staff members are behave well.
Jayant
Chittaurgarh, March 22, 2016
Awesome
I have pension policy plan from aviva life insurance. Policy is good and the paybacks are high. Policy coverage is good ~91% and the claims are high. Premiums are around 30 K trice per year and the amount i get at the end of the policy is 49 L.
Kamal
Agartala, March 22, 2016
Superb Pension Policy
I bought pension policy plan for my parents from aviva life insurance. The policy coverage is 93% and the claims are high around 92% of the investment. The premiums are low approx. 2 L per year for both of them. The payback returns is really good ~Rs.35 L for each of them. Nice policy, i like it even my parents like it too.
Tanmay
Kochi, March 22, 2016
Fast service
Got pension policy plan, great benefits like the policy coverage is high ~90%, Claims are easily sanctioned, Claiming amount is also high ~Rs.22 L, Service provided is the best, each and every work is done so quickly. Nice future investment and tax cutter.
Sandeep
Greater_noida, March 22, 2016
Pension Policy Plan
I buy pension policy plan from aviva life insurance. The policy coverage is nice ~82% and the claims are good. The premiums are low but the paybacks are really good in respect of premiums. The service is fast and on time. Good work guys.
Himanshu
Delhi, March 22, 2016
Poor Policy Coverage
Policy coverage is poor 30% rather than this all is good in my pension policy plan. The policy claims around Rs 20 L before it end. Investment is low and the returns are high. Claiming is easy because of fast service provided by the company members.
Ishant
Dwarakanagar, March 22, 2016
Average Policy
My pension policy plan is above average and i buy this policy from aviva life insurance. The policy needs 29 K thrice per year for premiums and the returns are ~Rs.42 L. Policy coverage is good ~82% and the claims are ~Rs.15 L minimum after 10 years.
Devesh
Gurgaon, March 22, 2016
Okay Policy Plan
I have got pension policy plan from aviva life insurance. The policy is not that good or poor. This policy directly proportion to premiums. The investment is low so the returns are not high but okay. The services is good facilitate from executives and staff members. Nice policy plan.
Varun
Chandigarh, March 22, 2016
Future Security
I'm Securing my future by investing my money on aviva life pension plans. The best investment according to me, the policy covers 85% and the claiming is easy due to fast services provided by the executives and staff members. The policy saves taxes also.
Amit
Pondicherry, March 22, 2016
Nice Pension Plan
The pension policy plan i bought from aviva life insurance. The policy coverage is 82% and the claims are of Rs.45 L after the policy ends. The investment is low approx. Rs.25 K thrice per year. The services are nice which provided by the company. Nice future savings.
Gyanesh
Ghaziabad, March 22, 2016
Fine
My future is secured with aviva life pension policy plan. The policy is fine and the returns are good. The policy coverage is high ~80% and the policy claims are around 30 L. The service provided by the executives and the staff members are really very good. No paper work for sanctioning the claiming amount.
Manpreet
Mussorie, March 21, 2016
Fantastic Policy Plan
My pension policy plan is fantastic which has great terms and conditions. Aviva life insurance provide me low premiums but the returns are high. The services is fast and always on time. One can buy it after 40 years and the max age is 61.
Saahir
Rai_bareilly, March 21, 2016
Good Policy
I buy Pension policy plan from aviva life insurance. The policy coverage is 80% and the claims are high around Rs.50 L. Service you provided is good and fast too. Nice future investment with tax saving. Web services is also up to date. I like the policy very much.
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