Aviva Life offers a range of Unit Linked Insurance Plansdesigned to cater to your diverse financial needs and goals. These innovative plans combine the security of life insurance with the potential for wealth creation through market-linked investments.
Returns as on 10-10-2026. The returns are the returns of best-performing fund in the plan
Disclaimer : ˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s
insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.inRead MoreRead Less
Key Features of Aviva Life ULIP Plans
Multiple Investment-Oriented Variants:
Multiple ULIP plan variants structures ensure stable retirement, wealth creation and strong finances.
Fund Choice:
Investing in equity and debt funds can lower market risks.
Flexibility:
Paying on time creates flexibility.
Balanced Portfolio:
Fund switching facilities enable a strong portfolio.
Future Premium Options:
Distribution of premium boosts future investments.
Fund Management:
A balanced portfolio helps to reduce equity exposure.
Payments:
Payments can be carried out on a monthly, half yearly or quarterly basis.
Policy Restoration:
After the policy lapses there are various provisions to support investment.
Digitalisation:
Customers can monitor investments online.
Why Invest in India's Growth Story?
India’s financial ecosystem has continued to grow with the rise in technology, retail and stronger household contributions. A major sign of this shift is the frequent investor participation and opening of four crore new demat accounts between FY24 and FY26, which reflect long-term market growth.
The insurance sector also heightens the cause. As per the Insurance Regulatory and Development Authority of India (IRDAI), India’s life insurance sector witnessed 15.7% growth in new business premiums, reaching almost ₹4.6 lakh crore. The share of pension and household finances also increased to 28.6% in FY19 to 29.6% in FY25. The increase in financial growth led to a stable investment channel.
This has stimulated interest in market-linked insurance solutions that combine wealth creation and financial security. Aviva Life ULIP Plans align with the approach through diversified fund channels, premium structures and effective capital gains.
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How Much Historical Returns are Provided by the Plans?
Investment Scenario
Monthly Contribution:
₹25,000
Contribution Duration:
15 years
Exit Timeline:
After 20 years
Product Category:
Market-Linked ULIP
Scenario 1:
Returns @ 4%
Plan name
Estimated Maturity Value
Assumed Return Rate
Aviva Signature Investment Plan Platinum
₹65.9 L
4%
Aviva Affluence Plan
₹64.8 L
4%
Aviva Signature Investment Plan
₹63.5 L
4%
Aviva Signature Investment Plan Limited Pay
₹62.7 L
4%
Aviva Fortune Plus Plan
₹61.4 L
4%
Scenario 2:
Returns @ 8%
Plan name
Estimated Maturity Value
Assumed Return Rate
Aviva Signature Investment Plan Platinum
₹1.06 Cr
8%
Aviva Affluence Plan
₹1.03 Cr
8%
Aviva Signature Investment Plan
₹1.00 Cr
8%
Aviva Signature Investment Plan Limited Pay
₹98.7 L
8%
Aviva Fortune Plus Plan
₹96.8 L
8%
Note:The final fund value may fluctuate depending on capital market performance, investment duration, policy charges, mortality deductions, and fund allocation strategy.
Benefits of Aviva Life ULIP Plans
Long-Term Capital Appreciation Potential:
Market-linked investments create opportunities for sustained wealth creation across extended investment horizons.
Insurance Protection Alongside Investing:
Financial security for dependents continues alongside the accumulation of investment-linked savings.
Diversified Investment Exposure:
Access to multiple asset classes strengthens portfolio diversification within a single policy structure.
Adaptability Across Market Cycles:
Investment allocations can evolve over time in response to changing financial priorities and market conditions.
Enhanced Corpus Building Opportunities:
Additional contribution facilities create scope for expanding investment value beyond scheduled premiums.
Access to Funds During Emergencies:
Withdrawal facilities create liquidity support without requiring complete policy termination.
Reduced Volatility Near Maturity:
Conservative portfolio transition mechanisms minimise market exposure during later policy years in selected variants.
Flexible Contribution Planning:
Multiple premium payment structures accommodate varied affordability levels and income patterns.
Tax-Efficient Wealth Structuring:
Eligible premiums and policy proceeds may qualify for tax-related advantages under prevailing income tax regulations, subject to applicable conditions.
List of Aviva Life ULIP Plans
Aviva Life includes multiple ULIP variants aligned with long-term wealth accumulation, financial protection, and milestone-based investment planning. The table below compares the key eligibility criteria, premium structure, and policy tenure across major Aviva Life ULIP plans.
Plan
Entry Age
Maximum Maturity Age
Premium Payment Term (PPT)
Policy Term (PT)
Minimum Premium
Aviva Affluence Plan
2 - 50 years
65 / 70 years
7 / 10 / 15 years or Regular Pay
15 - 30 years
₹1,00,000 p.a.₹1,50,000 p.a. (7 PPT)₹2,00,000 p.a. (15-17 year PT)
View plan
Aviva Signature Investment Plan
GenX: 91 days - 65 yearsSignature Millennial: 18 - 42 years
Depends on selected variant
Single / Regular Pay
GenX: 20 - 60 yearsSignature Millennial: 20 - 44 years
Aviva Life Insurance Company offers various types of unit-linked insurance plans to its customers to meet their requirements of savings and market-linked growth. Let’s take a detailed look at the various types of ULIP plans offered by the company and the features and benefits of each of them.
Aviva Affluence Plan
Aviva Affluence Plan is a unit-linked non-participating life insurance plan structured around long-term wealth accumulation alongside financial protection. The plan combines market-linked investment opportunities with flexible fund management choices.
Key Features of Aviva Affluence Plan
Multiple Fund Options:
Eight investment funds support different risk profiles and financial objectives.
Additional lump-sum investments strengthen long-term corpus creation.
Flexible Withdrawal Structure:
Systematic partial withdrawal options support periodic liquidity needs.
Fund Switching Flexibility:
Up to twelve free fund switches remain available every policy year.
Premium Flexibility:
Premium payment terms range across 7 years, 10 years, 15 years, and regular pay options.
Market-Linked Wealth Growth:
Investment value remains linked to equity and debt market performance.
Aviva Signature Investment Plan
Aviva Signature Investment Plan is an individual unit-linked non-participating life insurance plan focused on long-term investing with integrated financial protection. The plan includes GenX and Signature Millennial variants catering to different life stages and financial priorities.
Key Features of Aviva Signature Investment Plans
GenX and Millennial Variants:
Separate plan structures align with varying age groups and financial goals.
Multiple Fund Selection:
Eight investment fund choices support customised portfolio allocation.
Fund access remains available after completion of five policy years.
Premium Redirection Flexibility:
Future premium allocation across funds in the Aviva Life investment plan can be modified according to changing investment preferences.
Top-Up Investment Option:
Additional premium contributions support higher wealth accumulation.
Long-Term Market Participation:
Investment growth remains linked with capital market performance.
Aviva Signature Investment Plan - Limited Pay
The Aviva Signature Investment Plan-Limited Pay is an individual Unit Linked, Non-Participating Life Insurance plan designed to help you build wealth over the long term while providing life insurance coverage for your loved ones.
Key Features of Aviva Signature Investment Plan - Limited Pay
Limited Premium Commitment:
Premium payment options include 5-year, 10-year, 15-year, and 20-year terms.
Investment Flexibility:
Choose from a variety of investment-linked funds based on your risk appetite and adjust your allocation between funds as needed.
Transparency:
Track your investments and performance through online tools and account statements.
Liquidity:
Access your funds partially after 5 years to meet various financial needs.
Comprehensive Benefits:
Receive maturity benefits to build your corpus and death benefits to secure your loved ones' future.
Market-Linked Returns:
Earn potential market-linked returns on your invested amount.
Tax Savings:
Enjoy significant tax benefits on premiums, maturity, and death benefits under prevailing tax laws.
Robust Insurance Cover:
Provides life insurance protection for your dependents in case of an unfortunate event.
Aviva Fortune Plus Plan
Aviva Fortune Plus is a Unit Linked Non-Participating Individual Life Insurance Plan. It combines life insurance coverage with the potential for wealth creation through investment in market-linked funds.
Key Features of Aviva Fortune Plus:
Dual Benefits:
Provides minimum life insurance cover while offering the opportunity to grow your savings through market-linked investments.
Optional Covers:
Enhanced protection with optional add-ons like accidental death benefit and waiver of premium rider upon paying additional charges.
Life Cover Extension:
Extend your life cover beyond the policy term under specific conditions (refer to product brochure for details).
Investment Flexibility:
Choose from 7 different unit-linked funds to align your investment strategy with your risk appetite and financial goals.
Top-up Option:
Enhance your investment and life cover by paying additional premiums anytime during the policy term.
Partial Withdrawal & Systematic Withdrawal:
Access a portion of your accumulated funds when needed through partial or systematic withdrawals (subject to terms and conditions).
Return of Charges:
Get back 100% of deducted charges (excluding fund management charges and risk charges for add-on benefits) upon policy maturity.
Aviva Signature Investment Plan - Platinum
Aviva Signature Investment Plan – Platinum combines life insurance coverage with market-linked investment growth through a long-term ULIP structure. The plan includes flexible investment management features and retirement-oriented fund protection mechanisms.
Key Features of Aviva Signature Investment Plan - Platinum:
Dual Benefit Structure:
Sum assured and accumulated fund value together strengthen financial protection.
RetireSafe Mechanism:
Automatic portfolio reallocation towards conservative funds activates near maturity.
Eight Investment Funds:
Multiple fund categories support diversified investment allocation.
Systematic Withdrawal Facility:
Regular income withdrawals become available after five policy years.
Systematic Transfer Plan:
Gradual movement from equity to debt funds reduces volatility exposure near maturity.
Flexible Premium Frequency:
Monthly, quarterly, half-yearly, and yearly payment modes remain available.
Policy Revival Flexibility:
Reviving a discontinued policy remains possible within three years.
Why Buy an Aviva Life ULIP Plans from Policybazaar?
Over 9 lakh customers have invested ₹12,400 Cr through Policybazaar
No hidden charges. All costs and returns are clearly disclosed
Certified advisors provide unbiased guidance based on your needs
IRDAI-regulated, ensuring advice is in the customer’s interest
Dual benefits of insurance and investment, flexibility in fund choices, tax benefits, and additional riders.
Who should consider Aviva Life ULIP plans?
Investors seeking long-term wealth creation with life cover, comfortable with some market risk.
Can I switch between funds?
Yes, most plans allow flexible switching between funds based on changing needs.
How to pay premium? What are the modes of payment available?
For receiving continuity of your benefits, it is critical to pay premiums on time. You can pay your AVIVA Life Insurance premium through these 7 methods:
Airtel money
Auto Debit card or Credit card
HDFC/SBI/AXIS Bank debit card
ECS SYSTEM
NEFT
Cash/Cheque Payments
Change Payment Mode
Step 1: Enter your policy details – policy number and policyholders date of birth
Step 2: Select your online bank account or debit/ credit card to make the payment
Step 3: Authenticate and confirm your payment details and receive online confirmation
How can I check policy status for Aviva Life ULIP plans?
As a registered user, you must log into the e-portal with your Client ID and password to check the policy status.
What is the policy renewal process for Aviva Life ULIP plans?
Online Policy Renewal facility is available to all Aviva customers. The process is as follows;
Step 1: Login into e-portal with your Client ID and password.
Step 2: Select the policy due for renewal payment. Click Pay Renewal Premium Now
Step 4: Authenticate and confirm your payment details and print out the payment receipt
What is the policy cancellation process for Aviva Life ULIP plans?
The Aviva Life Insurance policyholders must attach all the relevant policy documents along with a duly filled surrender form at any of the branch locations in their city. The value of their units will be calculates at the current market rates, if documents are submitted before 3:00 PM, else the next day’s market rates will be used to calculate unit price.
"I have traditional plan which is very beneficial. The premium is low and the claims are even better. Service is fast and on time which provided by the company members. Updates regarding policy is mailed to me regularly on my email id. Good plan which reduces my taxes."
LM
Lokesh
Ahmedabad, January 16, 2025
Not bad
"The aviva life traditional plan i have is below average. The premium is good and the returns are less. The services are bit slow and the waiting is compulsory. Web services are better. Good future investment which save my taxes too. Please improve the services. The update are send to me alternatively.
"
HT
Himanshu
Gurgaon, January 16, 2025
Very good investment plan from Aviva life
"Just bought a Aviva Dhan Samruddhi for my beautiful wife and gifted her on her birthday today. It’s a plan which will give her the first matured money on her birthday after 5 years…. She is happy and me too, what you need more ;) :) .. However, I just have to appreciate Policybazaar for their help in choosing the best insurance for my wife, it was really a tidious job for me to select. The customer care guy Maneesh assisted me very well and really thank him for that.. Best wishes!
"
MK
Manish
Gautam_buddha_nagar, January 16, 2025
Investment policy
"Aviva life insurance company is the one from i buy traditional insurance policy. Service provided by the members of the company is nice and on time too. Policy coverage is fantastic approx. 91% and claims are easy to sanctioned."
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
Tax benefit is subject to changes in tax laws
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
#The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CAGR 8%; ₹50,45,591 @ CAGR 4%. *Tax benefits and savings are subject to changes in tax laws. All plans listed here are of insurance companies’ funds. The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.
˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in
