Bonus rates for Aviva Life Dhan Nirman Plan

The table below shows the Bonus rates declared for Aviva Life Dhan Nirman Plan from inception. You can use this to calculate the Aviva Life Dhan Nirman Plan Maturity Value. The vested simple reversionary bonus rates are per 1,000 Sum Assured.

In case you have a plan with Sum Assured of Rs. 5,00,000 - Use the values in the table as following:

Bonus Value = Sum Assured / 1000 x Bonus Rate = 5,00,000 / 1,000 x Bonus Rate

Simple Reversionary Bonus

The bonus declared every year from the 4th Policy Year onwards based on Aviva life experience, and which shall vest in the Policy.
 

Year	Policy Term (Years)	Bonus Rate in Rs. (Per 1000 Sum Assured)
2019	18	42.5
	21	45.0
	25	45.0
	30	47.5
2018	18	42.5
	21	45.0
	25	45.0
	30	47.5
2017	18	37.5
	21	40.0
	25	40.0
	30	42.5
2016	18	37.5
	21	40.0
	25	40.0
	30	42.5

 

Year	Policy Term (Years)	Bonus Rate (% of Sum Assured)
2015	18	3.75%
	21	4.00%
	25	4.00%
	30	4.25%
2014	18	3.75%
	21	4.00%
	25	4.00%
	30	4.25%

Guaranteed Additions (GA)

Guaranteed annual payouts, expressed as a percentage of the annual premium, are paid after the completion of the premium paying tenure.
 

Terminal Bonus

This is a bonus which is paid at the time of maturity or death. It is a reward for continuing with the policy for a certain number of years. It is a one-time bonus which you get at the end of the policy. 
 

Year	Policy Year of Exit	Terminal Bonus Rate (Per 1000 Sum Assured)
2018	6	45
2019	6	45
	7	45

 

Maturity Value

So to get to the Aviva Life Dhan Nirman Plan, you have to add all of the following - Sum Assured + Guaranteed Additions + Simple Reversionary Bonus + Any special bonus + Terminal Bonus

Do let us know in case you need any further information on the bonus rates for this plan or in calculating the returns for your Aviva Life Dhan Nirman Plan 

Please contact the Aviva Life office for exact details of the bonus which has accrued in your plan.

You can read know more about the plan and it’s working here -  Aviva Life Dhan Nirman Plan Review.