Idbi Federal
vs
Aviva Term

  • Multiple policy tenure to choose from
  • Premiums starting @Rs 15/day
  • 30-day grace period
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Idbi Federal vs Aviva Term

Idbi Federal

Ageas Federal Life Insurance (AFLI) is one of India’s prominent life insurance companies that work towards offering best insurance solutions. They are a joint venture between Ageas and Federal Bank.

Aviva Term

Aviva India is a joint venture between Aviva Plc (UK based company) and Dabur Invest Corp (one of the popular business in India).

COMPANY DETAILS Edit Ageas Federal Life Insurance

Idbi Federal

 Edit Aviva Life Term Insurance

Aviva Term
Rating
Number of term insurance plans and add-ons
Annual Premiums Collected (2023-24)

Annual Premiums Collected (2023-24)

2289 Cr

Annual Premiums Collected (2023-24)

1317.45
Payout Options

Payout Options

Lump sum, monthly or a combination of both

Payout Options

Lump sum, monthly or a combination of both
Claim ratio

Payout Options

96.06%

Payout Options

98.3%
Solvency Ratio

Solvency Ratio

3.1

Solvency Ratio

1.8
Pan India Presence

Pan India Presence

3,200

Pan India Presence

122+
Riders Available

Riders Available

Critical Shield Rider, Accident Care Rider

Riders Available

Accidental Death Benefit Rider, Critical Illness Rider, Waiver of Premium Rider, Disability Income Riders
Policy Term

Policy Term

10 to 75 years

Policy Term

10 to 40 years

Know More About Companies

Overview

Ageas Federal Term Insurance: Overview

Ageas Federal Term Insurance plans help you secure your family and offer financial security in case of your untimely demise. Ageas Federal Life Insurance offers 4 term insurance plans to suit your different needs: Termsurance Life Protection, Income Protect, Saral Jeevan Bima, and iSecure Plan. The Ageas Federal term plan offers key features such as the return of premium, income options in case of death, additional discounts, and tax benefits (T&Cs apply). 

What are some of the
Benefits
that set them apart?

  • Get your money back,

  • Avail high sum assured discount,

  • Get life cover at affordable premiums,

  • Tax benefits under section 80C or 10 (10D),

  • Special premium rates for women,

  • Increased sum assured option,

  • Monthly income benefit,

  • Optional accidental death benefit, etc.

 

Riders

Riders You Can Avail With Aviva term insurance Plans

Name of the Riders Benefits
Accidental Death Benefit Rider Accidental Death Benefits Rider by Aviva Term Insurance offers extra sum assured to the nominee of the policyholder, in case of death caused by any accident during the rider term.
Critical Illness Rider n Critical illness rider, sum assured will be given to policyholder in advance if he/she is diagnosed with any of the listed critical illness diseases such as cancer, Kidney failure, heart disease etc.
Waiver of Premium Rider In waiver of premium rider, the policyholder future premiums will be waived off in case of permanent disability of body caused by any reason. In waiver of premium rider the insurance companies will wait for 6 months to finalize the premium waiver. If the customer is still not able to work , the rider will be triggered.
Disability Income Riders In a disability income rider, the policy holder will get a regular income, if their body is disabled due to any of the reasons and is not able to work anymore. Disability income rider helps the policyholder to meet their present expenses in case of disability of the body.

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Aviva Life Term Insurance

Explore India’s best-selling Term insurance plans below

Aviva India is a joint venture between Aviva Plc (UK based company) and Dabur Invest Corp (one of the popular business in India).

Aviva Protection Plus Plan

Aviva Protection Plus Plan

Aviva Protection Plus is a non-linked non-participating individual life insurance savings plan by Aviva Life Insurance India. The plan comes with two ...

Unique Features

  • 2 Plan option
  • High sum assured rebate
  • Return of Premium

Aviva Protection Plus Plan (Pros)

Aviva Protection Plus Plan
  • Accidental Death Benefit
  • Critical Illness Benefit
  • Waiver of Premium

Aviva Protection Plus Plan (Cons)

Aviva Protection Plus Plan
  • No Policy Loan
  • No Investment Option
  • No Maturity Benefit

Aviva Protection Plus Plan (Other Benefits)

Aviva Protection Plus Plan
  • High Sum Assured Discount
  • Tax Benefit
  • Flexible PPT

Aviva Protection Plus Plan (Eligibility Criteria)

Aviva Protection Plus Plan
  • Entry Age - 20 yrs
  • Maturity Age- 65 yrs
  • Min Sum Assured-20 lac
  • Max Maturity Age-80 yrs
  • Tax Benefit - Yes

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Naval Goel

Reviewed By: Naval Goel

Naval Goel is the CEO & founder of PolicyX.com. Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of PolicyX.com Insurance Web Aggregator.

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