A combo with dual benefit - play aggressive on ULIP funds along with secured return of your capital through a guaranteed* benefit plan.

IN UNIT LINKED POLICIES, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. THE LINKED INSURANCE PRODUCTS DO NOT OFFER ANY LIQUIDITY DURING THE FIRST FIVE YEARS OF THE CONTRACT.THE POLICYHOLDER WILL NOT BE ABLE TO SURRENDER/WITHDRAW THE MONIES INVESTED IN LINKED INSURANCE PRODUCTS COMPLETELY OR PARTIALLY TILL THE END OF THE FIFTH YEAR.THE ADVERTISEMENT OF AVIVA WEALTH PRO IS DESIGNED FOR COMBINATION OF BENEFITS OF TWO INDIVIDUAL AND SEPARATE PRODUCTS NAMES (1) AVIVA WEALTH BUILDER 122N100V03 (2) AVIVA AFFLUENCE 122L111V01. THE CUSTOMER HAS THE CHOICE OF PURCHASING ANY ONE OR MORE PRODUCTS AS PER HIS / HER NEED AND CHOICE AND THERE IS NO COMPULSION WHATSOEVER THAT THESE PRODUCTS ARE TO BE TAKEN TOGETHER AS SUGGESTED BY THE INSURER AND PRESENTED IN THIS ADVERTISEMENT. THE CUSTOMER IS EXPECTED TO ASK QUESTIONS, UNDERSTAND AND SATISFY HIMSELF THAT THE COMBINATION MEETS HIS / HER SPECIFIC NEEDS BETTER BEFORE DECIDING TO PURCHASE THE COMBINATION. THIS BENEFIT ILLUSTRATION IS THE ARITHMETIC COMBINATION AND CHRONOLOGICAL LISTING OF COMBINED BENEFITS OF INDIVIDUAL PRODUCTS. THE CUSTOMER IS ADVISED TO REFER THE DETAILED SALES BROCHURE OF RESPECTIVE INDIVIDUAL PRODUCTS MENTIONED THEREIN.

*Capital guarantee works only when both the policies are issued at the same time with the same amount of base premium and continued till maturity by paying all due premiums.

Investment risk that is worth taking.

WEALTH PROAVIVA

We all have dreams. We all have aspirations. Having goals and achieving those keeps us going. Be it child’s education, marriage or stress-free retirement. With these long-term goals in mind, we save and invest our hard-earned money in the market to secure all that is important to us. But we are often not sure if the plan we opted for is the best investment option.

Introducing Wealth ProA plan that helps you grow your wealth as per the market value and gives guaranteed* return of capital at maturity.

How does Wealth Pro work?

Wealth Pro as a Retirement Solution“What would be my life at 60?”, wondered Mr. Rajat Sharma, aged 43.

“Would I be spending my retirement days sunbathing on a hammock, or scuba diving with exotic fishes or enjoying my premiumGolf club membership?“

He has been working in an organization where there are no fixed pension benefits, so he plans to make provisions for his retirement years.

Being investment savvy, Rajat understands that equities can get him better return but is afraid of market fluctuations and is evaluating options that provide protection of his investment.

Solution:Wealth Pro can help Rajat ride the market movement for benefits, along with minimum guaranteed benefit. In case of death during the policy term, Rajat’s family shall receive a minimum of `60 lacs which is the Sum Assured. If Rajat requires `2 lacs for 4 years, from the 8th to the 11th Policy year, it shall be made available through systematic partial withdrawals.

Disclaimer: The value with assumed rates of returns @ 4% and 8% p.a. are not guaranteed and they are not the upper or lower limits of returns of the Funds selected by the policyholder and that the performance of the Funds is dependent on a number of factors including future investment performance.

The above example is a proposition combining premium and benefit of two distinct products - Aviva Wealth Builder & Aviva Affluence. Capital guarantee works only when both the policies are issued with the same amount of base premium and continued till maturity by paying all due premiums.

Potential upside with the safetynet of capital guarantee*

Flexibility to make partialand systematic withdrawals

SALIENT FEATURES

*Capital guarantee works only when both the policies are issued at the same time with the same amount of base premium and continued till maturity by paying all due premiums.

Capital Guaranteed: `40 lacs

Total Maturity Value (Projected):

`65.26 lacs assuming 8% returns

`53.33 lacs assuming 4% returnsPremium Payment Term 10 Years

Systematic Partial Withdrawalof `2 lacs per year for 4 years

Premium Payment Term 10 Years

Capital Guaranteed: `40 lacs

Total Maturity Value (Projected):

`79.14 lacs assuming 8% returns

`63.87 lacs assuming 4% returns

Year

Start

Age 60

Age 43

4 lacs per annum X 10 Years = `40 lacs

Wealth Pro as a Child Plan2-year-old Raunak giggled uncontrollably in his father’s arms on the roller coaster ride in the game park. Looking at his son, Gaurav suddenly realized that life could be like this ride, while there was joy, excitement and thrill, his son Raunak was safe in his arms. And Gaurav wanted to make sure that Raunak’s financial future is always secure.

Wealth Pro could be one of the ideal solutions as along with the security of the invested capital, it also offers the excitement of investing in the equity market, thus giving Gaurav the best of both worlds.

Solution:Gaurav will be able to secure the financial future of his son with Wealth Pro as it gives him the benefits of investing in the equity market along with the security of guaranteed benefit on his capital investment.

If he pays `2 lacs per annum for 10 years i.e. `20 lacs, he gets a Capital Guarantee of `20 lacs at maturity.

His Total Maturity Value (Projected) is `32.35 lacs @ 8% returns or `26.07 lacs @ 4% returns.

In case of death during the policy term, Gaurav’s family shall receive a minimum of `30 lacs which is the Sum Assured.

If Gaurav requires some funds during the policy term, he can make a partial withdrawal.

Disclaimer: The value with assumed rates of returns @ 4% and 8% p.a. are not guaranteed and they are not the upper or lower limits of returns of the Funds selected by the policyholder and that the performance of the Funds is dependent on a number of factors including future investment performance.

The above example is a proposition combining premium and benefit of two distinct products - Aviva Wealth Builder & Aviva Affluence. Capital guarantee works only when both the policies are issued with the same amount of base premium and continued till maturity by paying all due premiums.

Premium Payment Term 10 YearsAnnual premium `2 lacs

Partial Withdrawal of`5 lacs in the 12th Policy Year

*Excluding taxes and extra premiums.

Eligibility

Parameter Criteria

Maturity Value Return of Premiums* + Fund Value

Min Death Sum Assured Minimum : 15 times the Annual Premium

AnnualPremium Payment Frequency

Max Premium 2,00,00,000 (per life)

Min Premium 2,00,000

Premium Payment Term 10 years

Policy Term 17 years

Maturity Age Minimum : 22 years / Maximum : 65 years

Entry Age Minimum : 5 years / Maximum : 48 years

Age 33

Age 50

Year

Start

Capital Guaranteed: `20 lacs`32.35 lacs assuming 8% returns`26.07 lacs assuming 4% returns

Plan Benefits

Maturity Benefit = Guaranteed Return of Premiums* (if all due premiums are paid) + Fund Value.*Excluding taxes and extra premiums.

Death Benefit

In case of death of the insured life, the payout to the nominee will be equal to the Sum Assured, provided all due premiums till date of death are paid.

Sum Assured: A minimum of 15 times your Annual Premium. In case of an accidental death within the policy term, if the insured life is aged between 18 to 60 years, accidental death benefit is also payable. The amount of Accidental Death Sum Assured shall be specified in the Policy Schedule of Aviva Affluence.

Fund Name and Objective of ULIP Product Investment Pattern Risk Profi le

Balanced Fund-II [SFIN: ULIF01508/01/2010LIBALAN-II122]: To generate a balance of capital growth and steady returns.

Debt (25%-100%)

MediumMM (0%-40%)

Equity (0%-45%)

Bond Fund-II [SFIN: ULIF01608/01/2010LIFDEBT-II122]:To generate a steady income through investment in high quality fi xed income securities.

Debt (60%-100%)

LowMM (0%-40%)

Equity 0%

Enhancer Fund-II [SFIN: ULIF01708/01/2010LIFENHN-II122]:To provide aggressive, long-term capital growth with high equity exposure.

Debt (0%-40%)

HighMM (0%-40%)

Equity (60%-100%)

Growth Fund-II [SFIN: ULIF01808/01/2010LIGROWT-II122]:To generate long-term capital appreciation with high equity exposure.

Debt (0%-50%)

HighMM (0%-40%)

Equity (30%-85%)

Infrastructure Fund [SFIN: ULIF01908/01/2010LIFEINFRAF122]: To generate steady returns through investment in infrastructure and related equities.

Debt (0%-40%)

HighMM (0%-40%)

Equity (60%-100%)

Protector Fund-II [SFIN: ULIF02108/01/2010LIPROTE-II122]:To generate steady returns with a minimum exposure to equities.

Debt (25%-100%)

LowMM (0%-40%)

Equity (0%-20%)

PSU Fund [SFIN: ULIF02208/01/2010LIFEPSUFND122]: To generate steady returns through investment in PSU and related equities.

Debt (0%-40%)

HighMM (0%-40%)

Equity (60%-100%)

Aviva Life Insurance Company India Ltd.Head Office: Aviva Tower, Sector Road, Opposite Golf Course, DLF Phase-V, Sector 43, Gurgaon-122 003 Haryana, India.A Joint Venture between Dabur Invest Corp and Aviva International Holdings Limited.Aviva Wealth Builder is a non-linked & non-participating life insurance plan. Aviva Affluence is a linked & non-participating life insurance plan. In Aviva Affluence, one may choose from 7 funds and invest in the fund or combination of funds, that best suits their risk profile. Aviva Life Insurance Company India Ltd. is only the name of the Insurance Company and Aviva Affluence is only the name of the Unit Linked Life Insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns. The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns. Please know the associated risks and the applicable charges, from the insurance agent or the Intermediary or Policy document or the insurer. Unit Linked life insurance products are different from traditional insurance products and are subject to risk factors. The Premium paid in Unit-Linked Life Insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of the fund and factors influencing the capital market. The insured/policyholder is responsible for his/her decisions. Unit-Linked Funds are subject to market risks and there is no assurance or guarantee that the objective of the investment fund will be achieved. Past performance of the investment funds do not indicate the future performance of the same. Investors in the scheme are not being offered any guaranteed/assured returns. Trade logo displayed above belongs to Aviva Brands Limited and is used by Aviva Life Insurance Company India Limited under License. Aviva Life Insurance Company India Limited. IRDA of India Regn. No. 122. For more details on risk factors and terms and conditions, please read the sales brochure carefully before concluding a sale. Tax benefits are as per existing tax laws which are subject to change. Registered Office Address-2nd floor, Prakashdeep Building, 7, Tolstoy Marg, New Delhi - 110001. E-mail Id: customerservices@avivaindia.com, Tel.: 0124 - 2709000, Fax: 0124 - 2571210, Toll Free No.: 1800-103-7766/1800-103-8000. Website: www.avivaindia.com, CIN: U66010DL2000PLC107880, Aviva Wealth Builder UIN 122N100V03, Aviva Affluence UIN 122L111V01, Advt. No: Mar 49/18.

BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS. IRDA of India clarifies to public that: • IRDA of India or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest Premiums. • IRDA of India does not announce any bonus. Public receiving such phone calls are requested to lodge a police complaint along with details of phone call, number.