Aviva Term Life Insurance Premium Calculator

Aviva term life insurance premium calculator is a freely available online tool that helps compute the premium you need to pay for the desired life coverage and policy benefits. A term insurance premium calculator considers certain factors such as present income, age, marital status, debts, medical condition, and the number of dependents to allow you to choose an insurance policy that best fits your needs and life objectives.

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Why Should You Use Aviva Term Life Insurance Premium Calculator? 

Before purchasing a term insurance plan, customers would like to understand the price of the term policy to plan their finances accordingly. The term insurance premium rate is influenced by a number of factors and it is possible to vary from one person to another. The algorithm used while computing premium using a calculator is very difficult to use manually. This is because most companies offer term insurance premium calculators for their customers. By entering a few basic information, customers can find out the rates of the specific policy they want to buy. After finding the rates, customers can contact the insurer only if the premium rates suit their budget. 

How To Use Aviva Term Life Insurance Premium Calculator? 

The Aviva Term Life Insurance Premium Calculator is quite hassle-free and simple.  By following the below steps, you can easily compute the premium amount:

Step 1: Visit the official website of Aviva Life Insurance 

Step 2: Select ‘tools and services’ on the top of the homepage 

Step 3: Choose ‘Premium calculators’ for various products 

Step 4: After clicking on this page, you can find premium calculators for several insurance products. 

Step 5: Enter your basic details such as gender, age, date of birth, policy term, sum assured amount, plan option, premium payment frequency, smoking habits, etc. 

Step 6: After entering all this information, click on ‘show illustration’

Step 7: The premium receipt along with the premium illustration will be displayed on the screen 

Step 8: If the premium details are right for you, then proceed to pay and purchase the plan. 

Advantages of Using a Aviva Term Life Insurance Premium Calculator 

Some of the key benefits of using Aviva Term Life Insurance Premium Calculator are:

  • Instant calculation and free comparison: This calculator helps customers to calculate the premium before purchasing the policy. The premium amount can be computed by submitting personal details such as age, gender, life cover, etc. 

  • Accurate Premium: With the help of the Aviva Term Life Insurance premium calculator, you can estimate the premium for the plan according to your requirements and budget. It also helps in buying an economical insurance policy. 

  • Easy Decision Making: While calculating the premium amount for term insurance policies, the Aviva term insurance plan helps you choose a plan that you require and lets you increase your plan by adding optional add-ons i.e., riders available. 

  • Hassle-free calculation of premium: Aviva Term Life Insurance Premium calculator is quite easy to use. You normally need to enter basic details such as age, gender, life coverage in order to compute the premium amount and choose the correct policy that suits you. 

Factors Affecting the Aviva Term Insurance Premium Rates 

Term life insurance is such a necessity in your financial life that you must aim for the least possible cost while making sure that have the right term cover. Various factors affect your term insurance premium rates: 

  • Age: The sooner you invest, the lower your premium charge will be. This is mainly based on life expectancy. The premium rates are lower for young people in comparison to older people. 

  • Gender: Women attract better rates of a premium than men because as per research women tend to live longer. 

  • Policy Term: The longer you want the coverage to continue, the extra premium amount of future years will spill over to your present year. So, keep your premium amounts fixed for the term of the plan. 

  • Lifestyle habits: Habits like smoking, use of tobacco products, alcohol also impact your life expectancy and thus term insurance premium rates. So, you may charge a higher term insurance premium in case of current medical conditions. 

  • Add on Features and Benefits: You can add a number of additional benefits to your base term insurance cover. Some of the important riders are an accidental death benefit, Accidental disability benefit, cover against critical illnesses, and term plan with return of premium.  

  • Premium Payment Term: The term insurance plans come with various premium payment modes. Depending on the policy terms, you can choose from monthly, quarterly, half-yearly, annual payment options. This option also impacts the term insurance premium rate which is usually lower for annual or half-yearly payment modes. Whereas the premium amount paid quarterly or monthly may be higher.

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Aviva Term Life Insurance Premium Calculator Reviews & Ratings

4.1 / 5 (Based on 29 Reviews)
(Showing Newest 10 reviews)
Raju
Mahabubnagar, March 31, 2021
Low premium at my budget
I found my type of term insurance plan from the website of the policybazaar. The term plan is of aviva life insurance company and have been availed with various benefits under the same. One of the best thing is that I can pay the premium amount as per my convenience and it is quite less. Great work team.
Gagan
Tangi, March 30, 2021
Choosing the right sum assured
I have taken the term insurance plan from aviva life term insurance and it was done from the website of the policybazaar. I choose the right type of sum assured amount so that it can be easy for my family to survive and achieve their goals in future. That’s an appropriate plan for me and my family. Thanks team.
Samar
Pilibhit, March 30, 2021
Low premium at my budget
I found my type of term insurance plan from the website of the policybazaar. The term plan is of aviva life insurance company and have been availed with various benefits under the same. One of the best thing is that I can pay the premium amount as per my convenience and it is quite less. Great work team.
Alok
G.k. Bhatar, February 16, 2021
Claim settlement ratio:
The claim settlement ratio of policybazaar and Aviva life term insurance is best. I took the plan last year and checked all the things clearly about claim, features and benefits. Great work team.
Nupur
Ahmednagar, February 16, 2021
Great plans
I have recently bought a term insurance plan from the policybazaar. I got the plan of aviva life term insurance. It is really great plan and I found various benefits under the same. Kudos to team policybazaar.
Kapil
Raigarh, August 04, 2016
Best Insurance
Best term insurance plan in very low investment. The policy coverage is high ~90% and claims are even higher. Service is superb and fast given by the company team and members. Updates of the policy is also send time to time to the email address.
Poonam
Meerut, July 15, 2016
Coverage Is Good
The term insurance plan which i purchase from aviva life insurance is fantastic. Policy coverage is maximum and claims are easy to get because of quick service provided by team members of the company. Premium is low, hassle free documentation because of online portal service.
Nirbhaye
Nagpur, July 04, 2016
Term Insurance Plan
My term insurance plan is fantastic with good returns. Premium is low and paybacks are high. Policy coverage is 87% and claims are easily cleared by the service given by staff members. Updates are mailed on my email address and web service service is simple to access.
Tarun
Panipat, June 27, 2016
Good
I have term insurance plan which is very good. The premium is low and claims are high. Policy coverage is high and claiming part is easy due to fast service facilitate by the members of the company. Internet service is good and policy can be renewed on it. Updates are mailed to me regularly.
Nirmal
Ghaziabad, March 17, 2016
Great Policy
Aviva life insurance term policy plan i buy in low premiums and the policy coverage is 95% with good claims. The service is great provided by the executives and the 5% less on premiums for women. I like the policy plan. Behaviour also really nice from the staff members.
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