Aviva Signature Investment Plan – Platinum

The Aviva Signature Investment Plan – Platinum allows you to combine market-linked investments with life insurance protection under a calculated policy framework. You can choose from multiple fund options, make top-up investments, and use systematic transfer or withdrawal features as per policy terms. The plan also defines clear death and maturity benefits and follows a five-year lock-in period.

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13.2 Crore
Registered Consumer
53
Insurance Partners
6.29 Crore
Policies Sold

List of ULIP Funds ~
Fund Name
AUM
Returns (in %)
3 Year
5 Year
10 Year
11,974 Cr
Returns
11.81%
Returns
10.92%
Returns
12.43%
Highest Returns
Get Details
34,475 Cr
Returns
17.68%
Highest Returns
Returns
14.43%
Returns
14.84%
Get Details
13,736 Cr
Returns
25.48%
Highest Returns
Returns
20.12%
Returns
19.03%
Get Details
3,457 Cr
Returns
14.24%
Highest Returns
Returns
13.3%
Returns
12.6%
Get Details
10,579 Cr
Returns
18.72%
Returns
21%
Returns
22%
Highest Returns
Get Details
5,492 Cr
Returns
16.23%
Highest Returns
Returns
13.48%
Returns
14.48%
Get Details
5,426 Cr
Returns
19.66%
Highest Returns
Returns
17.37%
Returns
16.41%
Get Details
13,101 Cr
Returns
14.43%
Highest Returns
Returns
12.38%
Returns
13.29%
Get Details
3,206 Cr
Returns
15.06%
Returns
13.31%
Returns
15.4%
Highest Returns
Get Details
0 Cr
Returns
18.32%
Highest Returns
Returns
12.06%
Returns
14.16%
Get Details
1,419 Cr
Returns
8.2%
Returns
8.35%
Returns
10.12%
Highest Returns
Get Details
0 Cr
Returns
21.14%
Highest Returns
Returns
11.81%
Returns
16.13%
Get Details
1,042 Cr
Returns
13.76%
Returns
12.89%
Returns
15.03%
Highest Returns
Get Details
498 Cr
Returns
11.22%
Returns
10.22%
Returns
11.43%
Highest Returns
Get Details
136 Cr
Returns
12.02%
Returns
11.85%
Returns
13.41%
Highest Returns
Get Details
5 Cr
Returns
9.67%
Returns
9.57%
Returns
11.11%
Highest Returns
Get Details
206 Cr
Returns
13.17%
Returns
13.67%
Highest Returns
Returns
13.6%
Get Details
2,685 Cr
Returns
8.15%
Highest Returns
Returns
6.47%
Returns
-
Get Details
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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.in

Eligibility Criteria for the Aviva Signature Investment Plan – Platinum

Let’s go through the eligibility conditions for Aviva investment plans to help you navigate through the policy with a better understanding:

Criteria Minimum Maximum
Entry Age (Last Birthday) 91 Days
  • 55 Years (If SA Is 10 Or 7 Times Annualized Premium)
  • 60 Years (If SA Is 7 Or 5 Times Annualized Premium)
  • 65 Years (If SA Is 5 Times Annualized Premium)
Policy Term 20 Years / 25 Years 60 Years
Annualized Premium Rs. 60,000 (PT ≥ 25 Years)
Rs. 72,000 (PT ≥ 20 But < 25 Years)
No Limit (Subject To Underwriting Policy Approved By The Board)
Maturity Age 20 Years 85 Years
Cover Multiple
  • 7 Or 10 (Age 91 Days–55 Years)
  • 7 Or 5 (Age 56–60 Years)
  • 5 (Age 61–65 Years)
Premium Payment Term Same As Policy Term
Minimum Top-Up Premium Rs. 10,000
Payment Frequency Monthly, Quarterly, Half-Yearly, Yearly
Travel Restrictions No Restrictions
Occupation Restrictions No Restrictions
Minimum Top-Up Sum Assured Rs. 12,500

Features of the Aviva Signature Investment Plan – Platinum

The Aviva Signature Investment Plan – Platinum is set up to give you both life insurance and investing options. Here are the key features of this plan:

  • Market-linked funds: You can invest in 8 fund options across equity, debt, and balanced strategies based on your risk preference.
  • Top-up option: You can pay more premiums during the insurance term, but there are limits.
  • Systematic Partial Withdrawal (SPW): After completion of 5 policy years, you can choose to make structured withdrawals from the regular premium fund. This is called Systematic Partial Withdrawal and is subject to minimum fund value and payout conditions.
  • Systematic Transfer Plan (STP): The Systematic Transfer Plan (STP) allows the policyholder to gradually shift funds from equity-oriented funds to debt-oriented funds during the policy term, helping to manage market volatility, especially as the policy approaches maturity.

The Aviva Signature Investment Plan – Platinum allows switching between funds as per policy provisions.

Benefits of the Aviva Signature Investment Plan – Platinum

Let’s go through the benefits of choosing one of the best investment plans in India:

  • Death Benefit: The Death Benefit is the greater of the Death Sum Assured (which may include a Top-Up Sum Assured), the Fund Value, or 105% of the total premiums paid.
  • Maturity Benefit: With regard to survival to maturity, the Fund Value as on the maturity date is payable, and the policy ceases.
  • Systematic Partial Withdrawal: Policyholders have an option to make regular withdrawals after 5 years of insurance cover; however, the amount of withdrawal made should be met by the fund balance and the withdrawal limit, as indicated in the policy agreement.
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Policy Details of the Aviva Signature Investment Plan – Platinum

Let’s explore the following policy details of Aviva Signature Investment Plan-Platinum below:

  1. Grace Period

    15 Days For Monthly Mode, 30 Days For Quarterly, Half-Yearly, And Yearly Modes

  2. Revival

    The policy may be revived within three consecutive years from the date of the first unpaid premium, subject to conditions.

  3. Free Look Period

    30 Days From Receipt Of Policy Document.

  4. Surrender

    Lock-In Period: Five Consecutive Completed Policy Years. During this period, surrender proceeds are transferred to the Discontinued Policy Fund and paid after completion of the lock-in period.

Fund Name NAV sort icon AUM sort icon 5 Yr Returns sort icon 10 Yr Returns sort icon
Aviva Balance ₹119.71 ₹197 Cr 7.23% 8.15%
Aviva Bond ₹36.15 ₹4 Cr 5.67% 5.71%
Aviva Enhancer ₹54.08 ₹58 Cr 9.51% 11.14%
Aviva PSU ₹46.27 ₹247 Cr 24.31% 16.9%
Aviva Dynamic P-E Fund ₹43.16 ₹85 Cr 9.1% 11%
Aviva Growth ₹118.01 ₹641 Cr 8.65% 10.06%
Aviva Index ₹42.81 ₹56 Cr 10.69% 12.08%
Aviva Protector ₹40.57 ₹16 Cr 6.3% 6.9%
Aviva Secure ₹47.2 ₹78 Cr 5.84% 7.03%
Aviva Balanced II ₹36.27 ₹120 Cr 7.29% 8.34%
Aviva Bond II ₹28.48 ₹84 Cr 4.82% 5.31%
Aviva Enhancer II ₹53.5 ₹1047 Cr 9.86% 11.6%
Aviva Growth II ₹42.15 ₹154 Cr 8.75% 10.24%
Aviva Index II ₹44.61 ₹56 Cr 9.82% 11.4%
Aviva Infrastructure ₹38.63 ₹71 Cr 17.61% 14.88%
Aviva Pension Growth II ₹39.68 ₹9 Cr 7.72% 8.83%
Aviva Pension Index II ₹50.14 ₹24 Cr 10.28% 11.76%
Aviva Pension PSU Fund ₹48.34 ₹11 Cr 24.8% 17.25%
Aviva Protector II ₹30.37 ₹49 Cr 5.72% 6.45%
Aviva Pension Balance ₹91.44 ₹44 Cr 6.91% 7.91%
Aviva Pension Growth ₹64.65 ₹33 Cr 7.59% 8.95%
Aviva Pension Index ₹52.68 ₹109 Cr 10.64% 12.09%
Aviva Pension Protector ₹35.88 ₹12 Cr 6.34% 6.78%
Aviva Pension Secure ₹44.88 ₹7 Cr 6.84% 7.22%
Aviva Discontinued Policy Fund ₹25.4 ₹255 Cr 5.43% 5.44%
Aviva Group Superannuation & Gratuity Balanced Fund ₹47.58 ₹18 Cr 7.52% -
Aviva Group Superannuation & Gratuity Cash Fund ₹35.52 ₹6 Cr 4.93% -
Aviva Group Superannuation & Gratuity Debt Fund ₹40.54 ₹237 Cr 5.14% -
Aviva Group Superannuation & Gratuity Growth Fund ₹61.2 ₹27 Cr 8.2% -
Aviva Group Superannuation & Gratuity Secure Fund ₹47.65 ₹59 Cr 6.55% -
Aviva Unit Linked MidCap Fund ₹11.86 ₹192 Cr - -
See more plans

Exclusions Under the Aviva Signature Investment Plan – Platinum

Suicidal Cover

According to the policy, the rules for suicide apply. If someone dies by suicide within the time frame set by the policy:

  • Nominee receives Fund Value on date of death notification.
  • Charges added back (except FMC & guarantee).
  • Policy terminates.

FAQs

  • How many partial withdrawals under the Aviva Signature Investment Plan – Platinum are allowed in a policy year?

    You can make up to four partial withdrawals in a policy year. Unused withdrawal limits cannot be carried forward.
  • How do you figure out the death benefit for Aviva Signature Investment Plan – Platinum?

    The Death Benefit is the greater of the Death Sum Assured (which may include a Top-Up Sum Assured), the Fund Value, or 105% of the total premiums paid. When you file a claim, the exact amount you get back depends on the conditions of the policy.
  • What happens if the policyholder discontinues the policy before completing five policy years?

    In case the policy ceases to run within the initial five policy years, the value of the fund (subject to discontinuance charges) will be transferred to the Discontinued Policy Fund.

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Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
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Aviva ULIP Plans Reviews & Ratings

4.6 / 5 (Based on 1286 Reviews)
(Showing Newest 10 reviews)
Divya
Ranchi, June 22, 2025
Kotak E Invest plus Policybazaar equal Win
Best combo. Policybazaars help made it stress free.
Harsha
Guwahati, June 21, 2025
Promise for Growth Plus Is Understated
It quietly delivers what it promises. Good pick.
Meera
Vellore, June 20, 2025
Click to Invest Makes Investing Fun
Simple UI digital first and a great entry level product.
Nikhil
Shimla, June 19, 2025
Goal Assure IV Seems Tailored for Me
Plan gives control over fund choice and returns.
Aditi
Vijayawada, June 16, 2025
Policybazaar Helped Me Choose Confidently
Smart Fortune Plus was explained so well. Really appreciated the clarity.
Nidhi
Indore, June 11, 2025
Birla Wealth Smart Plus Has Solid Features
Low charges and good growth options. Very happy.
Siddharth
Kochi, May 10, 2025
Pramerica Smart Invest Was a Pleasant Surprise
Didnt expect it to be this flexible. Great choice.
Aisha
Kolkata, April 09, 2025
ICICI Signature Plan Was a Smart Decision
Liked the balance between life cover and returns
Raghav
Ahmedabad, April 08, 2025
LIC Index Plus is a No Brainer
Safe low risk and time tested. I didnt have to think twice.
Amit
Guwahati, March 26, 2025
Reliable and Safe Investment
Policybazaar is reliable for investment. HDFC Life Dynamic Advantage Fund performs well and is safe for long term.


˜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
Disclaimer: #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.
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
^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.
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ

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