Financial security is a top priority for everyone, and Life Insurance plays a vital role in securing a stable future. However, traditional insurance solutions often fall short in addressing the diverse and evolving needs of today’s customers. Modern individuals are looking for flexibility, personalized coverage, and comprehensive protection that aligns with their life goals. In response, Aviva India has created customer-centric solutions that provide security while adapting to changing market demands, making insurance more relevant than ever.
The insurance landscape has transformed from simple lump-sum payouts to more comprehensive offerings that include disability protection, critical illness benefits, and financial planning. Aviva India has embraced this evolution by providing Term Insurance and Investment-linked Policies that deliver holistic assurance. These plans not only ensure financial security for policyholders and their families but also support long-term wealth creation.
Coverage with Aviva Signature 3D Term Plan – Platinum
The Aviva Signature 3D Term Plan – Platinum is designed to surpass conventional Term Insurance by offering protection against Death, Disability, and Disease. This all-in-one solution ensures financial preparedness for life’s uncertainties, equipping policyholders with customizable benefits and enhanced flexibility.
Key Features of Aviva Signature 3D Term Plan – Platinum:
Credit Protect Benefit – Ensures that your outstanding loans and liabilities are covered, preventing financial burdens from falling on your family in case of an unfortunate event.
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Life Protect Benefit – Provides a higher sum assured to safeguard your family’s financial future, offering long-term security and peace of mind.
Special Premium Rates: Women and non-tobacco users enjoy exclusive benefits, making Life Insurance more affordable.
Preventive Wellness Package: Encourages healthy living through AI-driven nutrition plans, smart devices, and regular health monitoring.
Flexible Premium Payment Modes: Choose between single, yearly, half-yearly, quarterly, or monthly payments based on your convenience.
Tax Benefits: Premiums paid for the policy qualify for tax deductions under Section 80C and Section 80D of the Income Tax Act, helping you save on taxes while securing your future.
These features emphasise the brand’s dedication to ensuring both financial protection and proactive wellness for its policyholders.
For Example: Rohan’s Tax Scenario Without the Plan
Annual Income: ₹15,00,000
Total Tax Payable (Without Any Deductions) = ₹2,62,500
Tax Savings with Aviva Signature 3D Term Plan – Platinum
Annual Premium Paid: ₹50,000
Eligible Tax Deduction (Section 80C): ₹50,000
New Taxable Income: ₹15,00,000 – ₹50,000 = ₹14,50,000
New Tax Payable = ₹2,47,500
Total Tax Saved with the Plan:
₹2,62,500 – ₹2,47,500 = ₹15,000 per year
Financial Security with Aviva Signature Increasing Income Plan
For those seeking a stable and growing income, the Aviva Signature Increasing Income Plan (SIIP) offers a structured way to build wealth while ensuring long-term financial security. This plan is ideal for professionals and families looking for guaranteed income growth along with life coverage.
Key Benefits of Aviva SIIP:
Guaranteed Increasing Income – Get a regular payout that grows over time, helping you beat inflation and maintain financial stability.
Tax-Free Maturity Benefits – Since SIIP is a savings-based income plan, the maturity proceeds are fully tax-free under Section 10(10D). By investing Rs. 5 Lakh annually in this plan, taxable income can be lowered.
Life Cover for Protection – Your loved ones receive financial security, ensuring peace of mind in case of any unforeseen event.
Flexible Payouts & Liquidity – SIIP offers regular income payouts while also providing liquidity for emergency financial needs.
With Aviva SIIP, you can enjoy a secure future with growing income, tax benefits, and lifelong financial protection.
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The Role of Riders in Enhancing Life Insurance Coverage
While a standard Life Insurance policy offers essential protection, adding riders can significantly enhance its value, providing comprehensive coverage tailored to specific needs. Aviva India offers a range of riders that enable policyholders to customize their plans, making their Term Insurance policies even more effective.
For example, Amit, a 35-year-old IT professional, chose a Term Insurance plan to secure his family’s future and added a Critical Illness Rider along with a Waiver of Premium Rider. When he was diagnosed with a severe heart condition, the Critical Illness Rider provided a lump-sum payout that covered his medical expenses and daily needs. Meanwhile, the Waiver of Premium Rider kept his policy active without requiring any further payments. This customization offered Amit both immediate financial relief and long-term security for his family.
Financial security should never be left to chance. Aviva India’s approach to Life Insurance ensures that individuals and families have the protection they need to confidently face life’s uncertainties. Whether you’re seeking Term Insurance, retirement solutions, or investment-linked plans, Aviva offers the flexibility and reliability you require.
Choosing Aviva means investing in a secure future where peace of mind is guaranteed. Take control of your financial well-being today!
