Aviva Life Insurance Review

"I wanted a life insurance policy that would protect my family and help me save for long-term goals. I looked at a lot of different plans and decided on the Aviva Signature 3D Term Plan. The process went smoothly, and their support team was clear about what to do at each step. "I now feel sure that my family is safe, no matter what." – Raghav

51 Partners Insurance Partners

12.02 Crore Registered Consumer

5.9 Crore Policies Sold

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₹1 Crore Life cover starting from ⁺

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About Aviva Life Insurance

Aviva Life Insurance is a joint venture between Dabur Invest Corp and the Aviva Group, making it one of India’s well-established private insurers. The company offers a variety of plans for saving, investing, protecting, retiring, and children. Aviva's main goal is to provide simple, flexible, and dependable insurance options that can change as your life goals change. Aviva Life Insurance has different plans that work for you, whether you want to protect your family or build wealth over time.

Term Plans

₹1
Crore

Life Cover

@ Starting from ₹ 13/day⁺

₹50
LAKH

Life Cover

@ Starting from ₹ 8/day⁺

₹75
LAKH

Life Cover

@ Starting from ₹ 12/day⁺

Key Features of Aviva Life Insurance

The company offers term insurance, savings plans, ULIPs, retirement plans, child plans, and guaranteed income options.
Backed by Dabur Invest Corp and the Aviva Group, who provide the guarantee of financial solvency.
A variety of benefit options, including lump sum, regular income, return of premiums, and whole life, is generally offered.
Critical Illness Protection: Riders are available to cover critical illnesses, including cancer, heart attack, stroke, kidney failure, and organ transplants.
Make online purchases easily with clear guidance and premium discounts.
Dedicated claim personal manager and express claim settlements for valid claims.

Advantages of Aviva Life Insurance

Reliable financial protection:
Aviva Life Insurance policies offer a strong safety net for your family. It is a trustworthy option for policyholders and new customers.
Flexible and affordable premiums:
Given the long-term commitment of life insurance policies, insurers offer flexible, affordable premiums. These affordable, flexible premiums fit your budget, so you can stay protected without financial strain.
High Claim Settlement Ratio:
For FY 2024-25, Aviva Insurance reported a claim settlement ratio of 99.07%.
Tax Benefits:
The premiums and payouts are eligible for tax benefits as per sections 80C and 10(10D) of the Income Tax Act.

Secure Your Family Future Today

₹1 CRORE

Term Plan Starting @

Get an online discount of upto 15%^#

Compare 40+ plans from 15 Insurers

⁺Standard T&C Applied

Why Choose Aviva Life Insurance?

Wide Choice of Plans: From term plans for protection and wealth creation to retirement, Aviva provides options for all stages of life.
High Claim Settlement Support: Instant claims will be approved within 4 hours for eligible claims, along with claim support assistance.
Strong Financial Backing: Aviva has global experience and the financial backing of Dabur Invest Corp.
Flexibility for Changing Needs: Return of premium, whole life insurance, and various riders enable you to tailor an insurance policy to suit changing requirements.

How To Buy Aviva Life Insurance From Policybazaar?

Step 1: Go to the official Policybazaar website and click on the Term Insurance link.

Step 2: Give your name, phone number, gender, and date of birth.

Step 3: Fill your job title, yearly salary, and how much you smoke or use tobacco.

Step 4: Pick the Aviva term plan from the list of term insurance plans that are already there.

Step 5: Finish the process by paying in the way you want.

The Final Verdict

If you’re seeking a life insurance provider you can trust, which offers:

Plans for savings and terms that can change
A high rate of settling claims
Options for critical illness and extra riders
Low premiums offered along with tax breaks

If you want to get life insurance in 2026, the best option is to choose Aviva Life Insurance. You can secure your family’s future with insurance plans that are simple, well-suited to your requirements, and offered by a trustworthy insurance company, like Raghav.

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What is Term Life Insurance

FAQs

Is Aviva Life Insurance a good company to get insurance from?

Yes. Dabur Invest Corp and Aviva Group support it, and it has a good financial history and a high claim settlement ratio.
What percentage of claims does Aviva Life Insurance pay?

Aviva said that their claim settlement ratio for FY 2023-24 was about 99.98%.
Does Aviva Life Insurance only offer term life insurance?

No. Aviva sells term insurance, ULIPs, retirement plans, child plans, guaranteed income plans, and savings plans.
Is it possible to buy Aviva Life Insurance online?

Yes. You can buy all of Aviva's plans directly from their website or from Policybazaar.
What are the major illnesses that Aviva plans cover?

Some optional critical illness riders cover cancer, heart attacks, strokes, kidney failure, organ transplants, open heart surgery (CABG), and end-stage lung or liver disease.
Do Aviva Life Insurance plans help with taxes?

Yes. Section 80C of the IT Act says that you can deduct the premium you pay and the benefits you get from Aviva insurance plans from your taxes. Section 10(10D) says that you don't have to pay taxes on them.

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˜The insurers/plans mentioned are arranged in order of highest to lowest Sum Assured(SA) offered by Policybazaar’s insurer partners offering term insurance 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

Rs. 400/month is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

Rs. 400/month (Rs.13/day) is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 230 is starting price for a 50 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 8/day is starting price for a 50 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 12/day is starting price for a 75 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 497/month is starting price for a 1.5 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 487/month is starting price for a 2 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 626/month is starting price for a 3 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 905/month is starting price for a 5 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. ₹361/month is the starting price for a ₹1 crore loan cover with an 8% interest rate for an 18-year-old male, non-smoker, with no pre-existing diseases, loan tenure up to 20 years, rounded off to the nearest 10

+Rs. 1,267/month is starting price for a 7 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

*The full refund of premium is available on availing the one-time option of refund of premium. Total premium paid for policy (paid for add-ons) will be the special exit value, payable on availing the one-time option of refund of premium if you wish to completely exit the policy.

+Rs. 447/month is starting price for a 1 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs.679/month is starting price for a 2 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 910/month is starting price for a 3 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 1,374/month is starting price for a 5 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 1,924month is starting price for a 7 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

Women

+Rs. 400/month is Starting price for a 1 crore term life insurance for an 18 year-old Female, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

Rs. 461/month is the starting price for a 1 crore term life insurance for an 24 year-old female, non-smoker, with no pre-existing diseases, cover upto 54 years of age.

1,642/month is the starting price for a 1 crore term life insurance for an 44 year-old female, non-smoker, with no pre-existing diseases, cover upto 74 years of age.

Prices offered by the insurer are as per the approved insurance plans | #All savings and online discounts are provided by insurers as per IRDAI approved insurance plans | Standard Terms and Conditions Apply | **Tax Benefits are subject to changes in tax laws.| Policybazaar Insurance Brokers Private Limited

We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881

For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale

Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana – 122001 | Registration No. 742, Valid till 09/06/2027, License category- Composite Broker Visitors are hereby informed that their information submitted on the website may be shared with insurers. Product information is authentic and solely based on the information received from the insurers.

˜ Policybazaar Promise reflects the guarantee offered by insurers. Price assurance is based on certifications shared by insurers with us.