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Aviva term life insurance premium calculator is a freely available online tool that helps compute the premium you need to pay for the desired life coverage and policy benefits. A term insurance calculator considers certain factors such as present income, age, marital status, debts, medical condition, and the number of dependents to allow you to choose an insurance policy that best fits your needs and life objectives.
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Before purchasing a term insurance plan, customers would like to understand the price of the term policy to plan their finances accordingly. The term insurance premium rate is influenced by a number of factors and it is possible to vary from one person to another. The algorithm used while computing premium using a calculator is very difficult to use manually. This is because most companies offer term insurance premium calculators for their customers. By entering a few basic information, customers can find out the rates of the specific policy they want to buy. After finding the rates, customers can contact the insurer only if the premium rates suit their budget.
The Aviva Term Life Insurance Premium Calculator is quite hassle-free and simple. By following the below steps, you can easily compute the premium amount:
Step 1: Visit the official website of Aviva Life Insurance
Step 2: Select ‘tools and services’ on the top of the homepage
Step 3: Choose ‘Premium calculators’ for various products
Step 4: After clicking on this page, you can find premium calculators for several insurance products.
Step 5: Enter your basic details such as gender, age, date of birth, policy term, sum assured amount, plan option, premium payment frequency, smoking habits, etc.
Step 6: After entering all this information, click on ‘show illustration’
Step 7: The premium receipt along with the premium illustration will be displayed on the screen
Step 8: If the premium details are right for you, then proceed to pay and purchase the plan.
Term Plans
Some of the key term insurance benefits of using Aviva Term Life Insurance Premium Calculator are:
Instant calculation and free comparison: This calculator helps customers to calculate the premium before purchasing the policy. The premium amount can be computed by submitting personal details such as age, gender, life cover, etc.
Accurate Premium: With the help of the Aviva Term Life Insurance premium calculator, you can estimate the premium for the plan according to your requirements and budget. It also helps in buying an economical insurance policy.
Easy Decision Making: While calculating the premium amount for term insurance policies, the Aviva term insurance plan helps you choose a plan that you require and lets you increase your plan by adding optional add-ons i.e., riders available.
Hassle-free calculation of premium: Aviva Term Life Insurance Premium calculator is quite easy to use. You normally need to enter basic details such as age, gender, life coverage in order to compute the premium amount and choose the correct policy that suits you.
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Term life insurance is such a necessity in your financial life that you must aim for the least possible cost while making sure that have the right term cover. Various factors affect your term insurance premium rates:
Age: The sooner you invest, the lower your premium charge will be. This is mainly based on life expectancy. The premium rates are lower for young people in comparison to older people.
Gender: Women attract better rates of a premium than men because as per research women tend to live longer.
Policy Term: The longer you want the coverage to continue, the extra premium amount of future years will spill over to your present year. So, keep your premium amounts fixed for the term of the plan.
Lifestyle habits: Habits like smoking, use of tobacco products, alcohol also impact your life expectancy and thus term insurance premium rates. So, you may charge a higher term insurance premium in case of current medical conditions.
Add on Features and Benefits: You can add a number of additional benefits to your base term insurance cover. Some of the important riders are an accidental death benefit, Accidental disability benefit, cover against critical illnesses, and term plan with return of premium.
Premium Payment Term: The term insurance plans come with various premium payment modes. Depending on the policy terms, you can choose from monthly, quarterly, half-yearly, annual payment options. This option also impacts the term insurance premium rate which is usually lower for annual or half-yearly payment modes. Whereas the premium amount paid quarterly or monthly may be higher.
Note: Check all the best term insurance plan in India.
˜Top 5 plans based on annualized premium for bookings made on https://www.policybazaar.com in the first 6 months of FY 24-25.
Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
+Rs. 487/month (Rs.16/day) is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 38 years of age.
Prices offered by the insurer are as per the approved insurance plans | #All savings and online discounts are provided by insurers as per IRDAI approved insurance plans | Standard Terms and Conditions Apply | **Tax Benefits are subject to changes in tax laws.| Policybazaar Insurance Brokers Private Limited
We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881
For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale
Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana – 122001 | Registration No. 742, Valid till 09/06/2027, License category- Composite Broker Visitors are hereby informed that their information submitted on the website may be shared with insurers. Product information is authentic and solely based on the information received from the insurers.
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+Rs. 820/month is starting price for a 2 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 38 years of age.
+Rs. 1,443/month is starting price for a 5 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 38 years of age.
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