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Aviva iLife Total Protect Assure Plan

Aviva iLife Total Protect Assure Plan is a comprehensive life insurance term plan with extensive coverage options to secure the life goals of your dear ones’. Term Insurance offers the optimum financial protection to the family, even in your absence. This policy ensures much-needed financial security in case of the sudden demise of the breadwinner of the family.

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iLife Total Protect Assure policy is tailor-made as it can be customized along with the choices of cover. If protecting the financial future of your family is what you’re looking for, this plan is your true calling!

Unique Features of Aviva iLife Total Protect Assure Plan

The below-mentioned features make the policy worth buying:

  • Aviva iLife comes with an in-built terminal illness benefit.

  • The life cover offered under the policy just doubles in case of accidental death.

  • On maturity, the insured is entitled to 120% of the total premiums paid.

  • Even after the demise of the insured, the income continues to be paid to the dependent.

  • Apart from the above, iLIfe Total Protect can be further enhanced by including additional riders for extra premium and coverage. You can avail coverage to 16 critical illness and disability cover.

  • Get the Tax benefits on premiums paid as per Income Tax Laws

*Tax benefit is subject to changes in tax laws.

Benefits of Aviva iLife Total Protect Assure Plan

The benefits under Aviva iLife Total Protector can be ensured through four plan options:

Plan Option

Benefits Offered

Protect

  • Life coverage along with in-built terminal illness cover

  • Sum assured to be paid on the demise of the insured

  • In case of terminal illness, an immediate payout of 50% of the sum assured

  • Balance amount to be paid on the death of the policyholder

  • All future premiums are waived in case of death

Protect Plus

  • Life coverage with accidental death cover

  • Additional 100% of Sum Assured is paid in case of accidental death of the insured

  • 100% SA paid to the nominee, in case of non-accidental death

Protect Assured

  • Life cover as well as the maturity benefit

  • The nominee receives the sum assured in case of death of the insured

  • 120% basic sum assured is paid as survival benefit if the insured survives till the end of the policy tenure

Protect Income

  • On the death of the insured, a regular income is paid to the family

  • The RMI (Regular Monthly Income) needs to be decided by the policyholder. This gets increased by 5% every year and to be paid a maximum of 3 times the initial RMI

  • The RMI shall be paid during the remaining policy tenure, after the death of the insured

  • The RMI starts from the 1st day of the month following the death of the insured

Additional Benefits Under Aviva iLife Total Protect Assure Plan

  1. Critical Illness Rider and Disability Rider – Non-linked Rider 

    The plan provides an option to increase protection by adding these riders to the base plan, which covers 16 permanent total disability and critical illnesses due to accident or illness. 

    • A rider is attached at commencement of the policy 

    • By paying an extra premium, you can have an option to enhance the policy benefits under the Aviva iLife Protect Assure plan. 

    • By opting for this cover, insurance protection can be availed for 16 critical illnesses and permanent total disability due to illness or accident.

    • Rider coverage will be available at the time of the premium payment term

    • The rider premium is renewed after every 5 years. 

    • The sum assured of the rider cannot exceed the basic sum assured and the premium should not exceeds the premium of the base policy. 

  2. Option to Increase the Life Cover

    If required, the policy sum assured can be increased. However, this benefit is only available with Protect and Protect Plus variant as a rider cover. This benefit can be availed only once in a policy period. You can increase the sum assured up to a maximum of Rs. 25 lakhs. No medical check-up is required to ensure this. Moreover, the insured’s age should be below 50 years while initiating this.

Aviva iLife Total Protect Assure Plan: At a Glance

Entry age

  • Minimum: 18 years

  • Maximum: 65 years (Protect, Protect Plus, Protect income)

  • 60 years for Protect Assured

Maximum Maturity Age

 

  • 75 years (without Aviva Critical Illness & Disability cover)

  • 70 years (with Aviva Critical Illness and Disability cover)

Premium

  • Minimum: Rs. 3,525 (excluding taxes)

  • Maximum: depend on the age, policy term, the sum assured chosen

Policy Term

  • Minimum: 10 years (Protect, Protect Plus, Protect Income)/15 years (for Protect Assured)

  • Maximum: 57 years for Protect, Protect Plus, Protect Income, 30 years (for Protect Assured)

Sum Assured

  • Protect: 50 lakhs to No limit

  • Protect Assured: 50 Lakhs to No Limit 

  • Protect Plus: 50 lakhs to 1,00,00,000

  • Protect Income: 50 Lakhs to No Limit 

Premium Frequency

  • Monthly, Quarterly, Semi-annually, and Yearly

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

Important Terms of Aviva iLife Total Protect Assure Plan

  • The policy offers 30 days of grace period for paying the premium in the case of quarterly, half-yearly, and yearly mode.

  • In case of non-payment of a policy premium, the risk cover will cease and the policy will lapse

  • A lapsed policy can be revived within two years

  • In case a lapsed policy is not revived within the revival period, the policy will be terminated

  • Surrender value is offered only in Protect Assured and Protect Income option

  • 120% of the total premium paid is offered as Maturity Benefit on the survival of the sum assured under Protect Assured option. There is no maturity benefit under Protect, Protect Plus and Protect Income Option.

  • A 15-day free-look period is offered, within which the policy can be returned, stating the specific reason for the same.

  • In case of suicidal death of the insured, the beneficiary is entitled to receive 80% of the premiums paid

Exclusions of Aviva iLife Total Protect Assure Plan

The following conditions are not covered by Aviva iLife Protect Assure Plan:

  • The life assured will not get any coverage in case of terminal illness if it is directly or indirectly caused by the infection with AIDS/HIV or as a result of attempted suicide.

  • Attempted suicide, suicide where the life assured in hospitalised or seeking medical attention

  • Death due to war, terrorism, foreign invasion, civil war, hostilities, rebellion, riot, civil commotion, etc.

  • Taking part in any operation of Army, Navy, or Air Force

  • Excessive use of alcohol or abuse of drugs, leading to a life-threatening situation

  • Engaging in any of the hazardous activities such as underwater ride, diving, mountaineering, bungee jumping, sky diving, etc.

Aviva iLife Total Protect Assure Plan is one of the best options to provide complete financial protection to your family, even in your absence. However, do compare the plan benefits and buy accordingly.

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