Aviva Life - Signature Investment Plan - Protector Fund II

NAV on (08 May 2026)

30.4696

About Plan

This is a ULIP plan that provides both Security (Sum Assured) and Growth (Fund Value) to support your family in your absence in case of an unfortunate event.

Features

Ensure your loved ones are protected with complete life insurance coverage.
Get regular income through systematic partial withdrawals after 5 years to help cover expenses, pay off debts, and more.
Choose from 8 investment funds to match your risk tolerance and goals.
Gain long-term market-linked returns on your investment.
Receive the total value of your investment at the end of the policy term.
Select a premium payment frequency that aligns with your timeline: monthly, quarterly, half-yearly, or yearly.
Surrender your policy for cash value after the initial lock-in period.
Revive a lapsed policy within 3 years.
Avail tax benefits as per the Income Tax Act 1961.

Advantages

Flexibility to Manage Your Investment: This ULIP insurance plan offers you control over your investment strategy. You have the freedom to switch your investments between multiple funds at no extra cost. Additionally, you can adjust your investment mix by redirecting future premiums among various funds.
30-Day Review Period: You have 30 days to review your policy details. If you're not satisfied, return the policy within this period for a full refund, minus any applicable deductions.
Retirement Protection: Aviva understands the importance of financial safety during your retirement. To protect your savings from market volatility, the RetireSafe feature automatically reallocates your funds to more conservative options during the last three years before maturity. You also have the option to opt out of this feature if desired.
Additional Investment Opportunities: Enhance your investment by making top-up premium payments anytime, as long as all regular premiums are up to date. Choose how these extra payments are invested. (Note that top-ups are not allowed in the last five years of the policy and cannot be withdrawn for five years unless the policy is fully surrendered.)

Entry Age Details

Minimum
91 days last birthday
Maximum
55 Years last birthday (If the Sum Assured is 10 or 7 times the Annualized Premium)
60 Years last birthday (If the Sum Assured is 7 or 5 times the Annualized Premium)
65 Years last birthday (If the Sum Assured is 5 times the Annualized Premium)

Maturity Age Details

Minimum Maturity Age: years. Maximum Maturity Age depends on the Premium Payment Term(PPT)

Policy Term

Minimum
20 Years
25 Years
Maximum
60 Years

Premium Payment Term

Minimum PT: 20 years
Maximum PT: 60 years (for Signature GenX Option); 44 years (for Signature Millennium Option)

Premium Details

Minimum
60,000 (if the Policy Term is Greater than or Equal to 25 Years)
72,000 (if the Policy Term is Greater than or Equal to 20 Years but less than 25 Years)
Minimum Top-Up Premium: 10,000
Maximum
No Limit,
Subject to the Underwriting Policy Approved by the Board

Premium payment mode

Monthly, Quarterly, Half-Yearly, and Yearly

Top-up Premium

The policyholder can make payment of top-up premium at any time during the currency of the contract provided that no limited/regular premium payments due till date are outstanding.

The policyholder may specify different proportion of funds into which the top-up premium should be invested. If the policyholder does not specify the allocation proportion at the time of making the top-up premium, the allocation proportion for top-up premium will be the same as applicable for regular/limited/single premium.

Top-up premiums are not allowed during the last 5 policy years of the plan.

At any point during the currency of the contract, the total top-up premiums paid shall not exceed the sum total of the regular/limited/single premiums paid at that point of time.

Top-up premiums once paid cannot be withdrawn from the fund for a period of 5 years from the date of payment of
Top-up
premium, except in case of complete surrender of the policy.

The sum assured pertaining to top-up premium shall be equal to 1.25 times the top-up premium.

Sum Assured Details

Minimum
Age 91 days to 55 years (PT>=25)
4,20,000 (if Cover Multiple is 7)
6,00,000 (if Cover Multiple is 10)
Age 91 days to 55 years (PT>=20=20)
4,20,000 (if Cover Multiple is 7)
3,00,000 (if Cover Multiple is 5)
Age 61 days to 65 years (PT>=20)
3,00,000
Maximum
No Limit,
Subject to the Underwriting Policy Approved by the Board

Death Benefits

Death Benefit: Should the unforeseen occur, your loved ones are secure. In case of your unfortunate passing, they will receive the base sum assured, Top-up sum assured and Fund Value (Units pertaining to Regular Premium and Top-Up Premium, if any. Death Benefit shall be at least 105% of the Total Premiums (Regular Premium and Top-Up Premium, if any) received up to date of death.

Maturity Benefits

Maturity Benefit: Secure your long-term goals. Upon completing the policy term, you'll receive the accumulated value of your investments, including regular premiums and any additional top-up premiums made.

Tax Benefits

Tax benefits may be as per the prevailing tax laws as applicable and are subject to change from time to time.

Grace Period

Grace Period for Premium Payments: You have a grace period to pay your premiums after the due date without penalty:
15 days for monthly payments; 30 days for all other payment frequencies (quarterly, half-yearly, and yearly)
During the grace period, your investment plan remains active with full benefits.

Partial Withdrawal

Partial Withdrawal Flexibility: Aviva addresses your short-term liquidity needs by permitting partial withdrawals. You can access a portion of your fund after 5 policy years, prioritizing top-up funds, and then regular premiums.

Systematic Transfer Plan

Systematic Transfer Plan (STP) Benefit: The Aviva Signature Investment Plan Platinum allows you to invest strategically. With the STP, you can gradually shift investments from equity to debt funds before maturity, reducing market volatility risks.

Surrender Details

Fund Value as on date of surrender subject to terms and conditions of discontinuance as mentioned below. Discontinuance means the state of a policy that could arise on account of surrender of the policy or non-payment of the contractual premium due before the expiry of the grace period. Provided that no policy shall be treated as discontinued on non-payment of premium if, within the grace period, the premium has not been paid due to death of the insured or upon happening of any other contingency covered under the policy.

Revival Details

Revival period is 3 years from the date of first unpaid premium. Revival of discontinued policy, shall be in accordance with section 8.3 of this F&U, subject to Board Approved Underwriting Policy of the Company.
The revival of the policy shall not take effect until the Company has specifically approved the policyholder s request for revival and the same has been communicated to the Policyholder in writing. The Company reserves the right to impose extra mortality charges, if any or to decline the revival of the policy in accordance with Board Approved underwriting policy.
Alterations between different modes of policies is allowed under this plan at any policy anniversary subject to payment of alteration charge as mentioned under section 8.5 of this F&U and ensuring the minimum applicable installment premium for the changed Mode .

Premium allocation Charges

NIL

Policy Administration Charges

Policy Administration Charge (PAC) will be made by monthly redemption of Units from the policy unit account and isapplicable throughout the policy term.

Top-up charges

Minimum - Top Up : Rs . 10,000
Maximum - Top Up : No Limit subject to Board approved underwriting policy
The total Top Ups paid shall not exceed the sum of regular / single premiums paid at the point in time.

Options Availability

Systematic Partial Withdrawal Option: Plan for future income needs with ease. After 5 policy years, you can opt for systematic partial withdrawals from regular premium units, ensuring a steady income stream while maintaining the other unit-linked life insurance product benefits.
Diverse Investment Options: Align your investments with your financial aspirations and risk tolerance. Choose from eight investment funds, including Balanced Fund-II, Bond Fund-II, Enhancer Fund-II, Growth Fund-II, Infrastructure Fund, Protector Fund-II, PSU Fund, and Midcap Fund, and create a diversified portfolio tailored to your needs.
Policy Flexibility: Life is unpredictable; priorities change. Enjoy the flexibility to surrender the policy at any time, receiving proceeds after the lock-in period or upon surrender, whichever is later.
Policy Revival Option: If you miss payments and your policy lapses, you have three years to revive it by paying all overdue premiums. This way, you can keep your benefits intact.

Returns (as on 08-May-2026)

Period	Absolute (%)	Annualised (%)
1 Week	0.4	0
1 Month	0.4	5.3
3 Months	-0.4	-1.4
6 Months	-0.3	-0.6
1 Year	1.3	1.3
2 Years	8.1	4
3 Years	20.7	6.4
5 Years	0	0

NAV Chart

Historic Graph:

From

52-week High

₹30.7691

02-Jan-2026

52-week Low

₹29.8534

30-Mar-2026

Claim & Solvency Ratio

Claim Ratio	Solvency Ratio
99% (2023-24)	2% (March 2024)

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What is health insurance? +

Health insurance is a type of coverage that pays for medical and surgical expenses incurred by the insured. It may also provide coverage for other types of health-related costs, such as prescription drugs, mental health services, and preventive care.

Why do I need health insurance? +

Health insurance helps protect you from high medical costs. It provides access to medical care when you need it, helping to pay for doctor visits, hospital stays, surgeries, prescription medications, and other health-related services.

What is a premium? +

A premium is the amount you pay for your health insurance every month. Depending on your plan, the premium may vary based on factors like age, location, and level of coverage.

What is a deductible? +

A deductible is the amount of money you must pay out-of-pocket before your health insurance starts covering your medical expenses. For example, if you have a deductible of $1,000, you must pay $1,000 out-of-pocket before your insurance starts covering your medical bills.

What are copayments and coinsurance? +

Copayment (copay): A fixed amount you pay for a covered health care service, typically when you get the service. Coinsurance: The percentage of the cost you pay for covered health services after you've paid your deductible. For example, if your coinsurance is 20%, you pay 20% of the bill, and the insurance company pays the remaining 80%.

What is an out-of-pocket maximum? +

The out-of-pocket maximum is the maximum amount you can spend on your health insurance. If you exceed this amount, your insurance company will pay 100% of your medical expenses.

What is the difference between in-network and out-of-network providers? +

In-network providers: Health care providers that have a contract with your health insurance plan to provide services at negotiated rates. Out-of-network providers: Providers that don't have a contract with your insurance plan. Services from these providers may cost more or not be covered at all.

What is a Special Enrollment Period (SEP)? +

The Special Enrollment Period (SEP) is a special time during the year when you can sign up for or make changes to your health insurance plan. If you miss this period, you may have to wait until the next one unless you qualify for a Special Enrollment Period (e.g., due to a life event like marriage or having a baby).

Can I keep my doctor with health insurance? +

If you have a preferred doctor, it’s important to check if they are in-network with your insurance plan. If they are not in-network, you may need to pay more out-of-pocket, or you may have to switch to another doctor who is in-network.

What is a Health Savings Account (HSA)? +

A tax-advantaged account for people with high-deductible health plans (HDHPs). The funds roll over from year to year and can be used for qualifying medical expenses.

What is a Flexible Spending Account (FSA)? +

A tax-advantaged account for people with low-deductible health plans (LDHPs). The funds roll over from year to year and can be used for qualifying medical expenses.

What is a Health Maintenance Organization (HMO)? +

An HMO is a type of health insurance plan that requires you to choose a primary care physician (PCP) and get referrals from them to see specialists. HMOs often have lower premiums and out-of-pocket costs but offer less flexibility in choosing providers.

What is a Preferred Provider Organization (PPO)? +

A PPO is a health insurance plan that offers more flexibility in choosing healthcare providers and doesn’t require referrals to see specialists. You can see any doctor, but you’ll pay less if you use in-network providers.

What is the difference between a Health Savings Account (HSA) and a Flexible Spending Account (FSA)? +

HSA: A tax-advantaged account for people with high-deductible health plans (HDHPs) The funds roll over from year to year and can be used for qualifying medical expenses. FSA: A tax-advantaged account for people with low-deductible health plans (LDHPs) The funds roll over from year to year and can be used for qualifying medical expenses.

What does the term "pre-existing condition" mean? +

A pre-existing condition is a medical condition that you had before you got your health insurance. It could include things like diabetes, high blood pressure, or heart disease.

Can I cancel my health insurance at any time? +

Yes, you can cancel your health insurance plan at any time. However, if you cancel outside the open enrollment period, you may not be able to get another plan until the next enrollment period unless you qualify for a Special Enrollment Period.

Are prescription drugs covered by health insurance? +

Many health insurance plans cover prescription medications, but the coverage may vary. Plans typically have a formulary, or list of covered drugs, and different drugs may have different levels of coverage, depending on whether they are generic, brand-name, or specialty drugs.

What is preventive care? +

Preventive care includes health services that help prevent illnesses, such as vaccinations, screenings, and annual checkups. Under the Affordable Care Act, most preventive services are covered by health insurance plans at no additional cost to the policyholder.

What should I do if my health insurance claim is denied? +

If your claim is denied, you can appeal the decision. Review the denial letter for reasons, contact your insurer for assistance, and file a written request for a hearing. If you win the appeal, you may be able to get a refund or other compensation.

How can I choose the best health insurance plan for me? +

When selecting a plan, consider factors like: Your health care needs (e.g., frequent visits, prescriptions) The plan’s network of doctors and hospitals The cost of premiums, deductibles, copays, and out-of-pocket maximums Coverage for specialized care or treatments Compare the different plans and benefits to find one that meets your needs.

What happens if I don't have health insurance? +

If you don’t have health insurance, you can still access some health care services, such as emergency care, in-network doctors, and in-network hospitals. You may be eligible for Medicaid, which provides some health care services at no cost to you.

What is life insurance? +

Life insurance is a contract between you and an insurance company, where you pay regular premiums in exchange for a lump sum payment (death benefit) to your beneficiaries upon your death.

What are the different types of life insurance? +

Term Life Insurance: Provides coverage for a specific period (e.g., 10, 20, or 30 years). If you pass away during this term, your beneficiaries receive the death benefit. It does not build cash value. Whole Life Insurance: Offers lifetime coverage with a death benefit and also builds cash value over time, which you can borrow against or use. Universal Life Insurance: A flexible policy that allows you to adjust the premiums and death benefit while also building cash value.

How much life insurance coverage do I need? +

The amount of coverage you need depends on factors like your income, debts, family needs, and long-term financial goals. A common rule is to have coverage worth 10 to 15 times your annual income, but this can vary based on your individual situation.

What is the difference between beneficiaries and policyholders? +

The policyholder is the person who owns the life insurance policy and pays the premiums, while the beneficiary is the person or group that receives the death benefit when the policyholder passes away.

Can I change my beneficiaries? +

Yes, you can change your beneficiaries at any time during the life of the policy, as long as the policy is in force and you follow the correct procedure with the insurance company.

What is the contestability period? +

The contestability period is the time during which you have the right to contest the decision of the insurer to pay the death benefit. This period varies depending on the type of life insurance policy and the insurer.

Does life insurance cover accidental death? +

Some life insurance policies include accidental death coverage, while others may require a separate rider for this benefit. Be sure to review your policy to understand what’s covered.

Can I cancel my life insurance policy at any time? +

Yes, you can cancel your life insurance policy at any time, provided you follow the correct procedure with the insurance company.

What is cash value? +

Cash value is the accumulated value of the life insurance policy that can be used to pay for expenses, such as medical bills or funeral expenses.

How do I borrow against cash value? +

You can borrow against the cash value of your life insurance policy, but it will need to be repaid, and any unpaid loan will reduce the death benefit.

What is the difference between whole life and universal life insurance? +

Whole life insurance provides coverage for a specific period (e.g., 10, 20, or 30 years) and builds cash value over time. Universal life insurance offers lifetime coverage with a death benefit and also builds cash value over time.

How are life insurance premiums determined? +

Life insurance premiums are based on factors like age, health, lifestyle (e.g., smoking), coverage amount, and type of policy. Generally, younger, healthier individuals pay lower premiums.

Can I borrow money from my life insurance policy? +

If you have a whole life or universal life policy, it may build cash value over time. You can borrow against this cash value, but it will need to be repaid, and any unpaid loan will reduce the death benefit.

What happens if I stop paying my life insurance premiums? +

If you stop paying premiums, your policy may lapse. For permanent policies like whole or universal life, the cash value may cover the premiums for a time, but eventually, if premiums are not paid, the policy will end.

What is auto insurance? +

Auto insurance is a contract between you and an insurance company that provides financial protection against damage or injury caused by accidents, theft, or other incidents involving your vehicle. It covers both liability and your vehicle's repair costs depending on the type of policy.

What types of auto insurance coverage are available? +

There are several types of auto insurance coverage, including liability, collision, comprehensive, uninsured/underinsured motorist, and additional coverage like roadside assistance and collision damage waiver.

How much auto insurance do I need? +

The amount of coverage you need depends on factors such as the value of your car, your driving habits, your state's legal requirements, and whether you own or lease your vehicle. A good starting point is to meet your state's minimum required coverage, but you may want additional coverage for added protection.

Can I cancel my auto insurance policy at any time? +

Yes, you can cancel your auto insurance policy at any time, provided you follow the correct procedure with the insurance company.

What is the difference between liability and comprehensive coverage? +

Liability coverage covers the damages and injuries caused by accidents, while comprehensive coverage also covers non-accident damages, such as theft or vandalism.

How do I choose the right auto insurance policy? +

When selecting an auto insurance policy, consider factors such as the type of coverage you need, your driving habits, the value of your vehicle, and your state's legal requirements.

What factors affect my auto insurance premium? +

Several factors impact your insurance premium, including: Your driving history (accidents, tickets), The make, model, and age of your car, Your location (accident rates in your area), Your age, gender, and marital status, The level of coverage you choose, Your credit score (in some states).

What is a deductible? +

A deductible is the amount you must pay out of pocket before your insurance policy starts to cover the remaining cost of repairs or claims. For example, if you have a $500 deductible and incur $2,000 in damages, you will pay $500, and your insurer will pay the remaining $1,500.

What is the difference between comprehensive and collision coverage? +

Collision coverage pays for repairs to your vehicle after a collision with another vehicle or object, regardless of who is at fault. Comprehensive coverage covers non-collision incidents, such as theft, vandalism, or damage from natural disasters.

Can I get uninsured/underinsured motorist coverage? +

Yes, uninsured/underinsured motorist coverage is available in some states. This coverage provides financial protection for you if another driver is uninsured or underinsured.

Is auto insurance required by law? +

Yes, in most states, you are required to have a minimum level of liability insurance. Some states also require additional coverage like Personal Injury Protection (PIP) or uninsured motorist coverage. The requirements vary by state, so it’s important to check your local laws.

What happens if I don’t have auto insurance? +

If you drive without insurance, you risk facing legal penalties, fines, and the possibility of your driver's license being suspended. If you're involved in an accident, you could be held responsible for the damages.

Can I add other drivers to my auto insurance policy? +

Yes, you can add other drivers, such as family members or friends, to your policy. However, their driving record and age may affect your premium. It's important to inform your insurer about all the drivers in your household.

What should I do if I get into an accident? +

If you're in an accident, follow these steps: Ensure safety by moving to a safe location if possible. Call the police and file a report. Exchange contact and insurance information with the other driver(s). Take photos of the accident scene, vehicle damage, and injuries. Notify your insurance company about the accident as soon as possible.

What is home insurance? +

Home insurance is a contract between you and an insurance company that provides financial protection against damage or loss caused by natural disasters, theft, or other incidents.

What types of home insurance coverage are available? +

There are several types of home insurance coverage, including flood, fire, burglary, and liability. You may also have coverage for water damage, mold, and other property damage.

How much home insurance do I need? +

The amount of home insurance coverage you need depends on the value of your property, the type of coverage you want, and your insurance provider. You may also need additional coverage for water damage, mold, and other property damage.

Can I cancel my home insurance policy at any time? +

Yes, you can cancel your home insurance policy at any time, provided you follow the correct procedure with the insurance company.

What is the difference between flood and fire coverage? +

Flood coverage covers damage caused by floods, while fire coverage covers damage caused by fires.

How do I choose the right home insurance policy? +

When selecting home insurance, consider factors such as the type of coverage you need, the value of your property, and your insurance provider.

What factors affect my home insurance premium? +

Factors such as the type of coverage you need, the value of your property, and your insurance provider can significantly impact your premium.