A term insurance plan that offers complete financial protection is necessary to all households, especially when there is a risk of facing the uncertainties in life. Be it securing the future of your loved ones or funding education or a wedding when an unfortunate event takes away the sole breadwinner of the family. This plan ensures that the sum assured is paid to the nominee by the insurer.
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Aviva Jana Suraksha is the right investment mix to add to your existing portfolio.
Parameters |
Details |
Policy Tenure |
5 or 10 years, subject to the maximum maturity age of 50 or 55 years resp. |
Premium Paying Term |
Single Premium or Regular Pay |
Premium Paying Mode |
Single, Annual, Half-yearly, Quarterly or Monthly |
Entry Age |
18 to 45 years |
Maturity Age |
50 years for the 5-year policy term and 55 years for the 10-year policy term |
Grace Period |
30 days ( 15 days for the monthly mode) |
Sum Assured |
Minimum Sum Assured – Rs.25,000 and Maximum Sum Assured – Rs.50,000, subject to underwriting policy |
Liquidity |
Loans are not applicable for this plan |
* Tax benefit is subject to changes in tax laws
A simple Aviva Jana Suraksha premium paying calculator is available to arrive at the exact premium amount quickly. The factors which influence the premium amount that gets charged are as stated below:
The premium will vary as per these factors.
A more comfortable option is to check the sample illustration provided on the insurer’s website or use the Aviva Jana Suraksha calculator to check out the premium applicable for you.
Additional riders are not available for this plan.
To buy Aviva Jana Suraksha, the below documents are required:
The online Aviva Jana Suraksha plan details are available on the website. However, an individual needs to apply for the plan in the offline mode. To purchase, one needs to follow the below-mentioned steps:
Aviva Jana Suraksha Reviews suggest that the exclusions listed in this policy are minimal and easy to comprehend. Death of the insured individual by suicide within a year or twelve months from the policy start date or policy revival date will result in the nominee entitled to 80% of total premiums paid until then, or the surrender value that is applicable for that time horizon.
The premium amount of this policy can be paid by cheque or a demand draft.
†Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in