Aviva India is a joint venture between one of the countrys oldest and largest groups, Dabur, and Aviva

plc, the UK's largest insurance group, whose association with India dates back to 1834.

Our vision is to be amongst Indias leading life insurers with a

quality business model, focused on sustainable growth. We

seek to build a robust product portfolio meeting all customer

lifecycle needs related to Savings, Retirement, Investments and Protection.

Founded in 1884, Dabur Group is one of India's oldest and largest group of companies with a consolidated annual turnover in excess of Rs 2,834 crores. A professionally managed company, it is the country's leading producer of traditional healthcare products.

Aviva is a leading provider of life and pension products in Europe

(including the UK) with substantial positions in other markets

around the world, making it the worlds sixth largest insurance

group based on gross worldwide premiums at 31 December 2009.

Avivas principal business activities are long-term savings, fund management and general insurance, with worldwide total sales* of 47.1 billion and funds under management of 402 billion at 31 December, 2010.

Name TR Ramachandran Rajeev Arora Monica Agrawal

Gaurav Rajput Sumit Behl Ravi Bhadani

Designation Chief Executive Officer & Managing Director Director, Finance & Actuarial Director, Corporate Initiatives & Business Development. Director, Marketing Director, Business Risk & Company Secretary and Vice President.

JV partner: Dabur (74% stake) Foreign partner: Aviva plc (26% stake). The world's 6th

largest Insurance groups and the biggest in the UK. It is one

of the leading providers of life and pensions products to

Europe. Aviva has a 53 million-customer base worldwide

with 402 billion assets under management at 31 December 2010.

Managing Director & Chief Executive Officer: Mr. TR Ramachandran Paid up Capital: Rs 2004 crores Locations: 159 branches, close to 3,000 locations Bank partners: RBS, Punjab & Sind Bank, IndusInd Bank and more than 30 Cooperative Banks and Regional Rural Banks.

A promise of compensation for specific potential future

losses in exchange for a periodic payment . Insurance is

designed to protect the financial well-being of an individual , company or other entity in the case of unexpected loss . Some forms of insurance are required by law , while other are optional .Agreeing to the terms of an insurance policy creates a contract between the insured and the insurer.

Aviva Young Scholar Advantage- Aviva Young Scholar Advantage is a comprehensive plan that enables you to secure your childs future in any eventuality through

Provision of a regular income for the minor child, in the

event of parents death if Aviva Child Education (CE) Rider

is opted for

An additional lump sum being paid in the event of parents death if Aviva Term Plus Rider is opted

Loyalty Additions to enhance your Fund Value A choice of 9 fund options; Investment flexibility through Automatic Asset Allocation (AAA) and

Systematic Transfer Plan (STP)

The product will be offered only to those who have

atleast one child

Aviva Young Scholar Secure-Now guarantee funds for each of these milestones with Aviva Young Scholar Secure and provide your child the best education. With

AYS Secure you can plan your savings and payouts for
your childs education in a manner that match the childs educational journey.

INDIVIDUAL PLANSAVINGAVIVA FREEDOM LIFE ADVANTAGE

Option to increase / decrease Life Cover (Sum Assured) . Option to cover husband and wife under the same policy. 100% allocation from sixth year if Annual Premium is Rs. 1 lakh or more.

Inbuilt Accidental Death cover. Loyalty additions every 3 years from the end of 10th policy year. Pay off all the premiums in 5 years or choose to pay throughout the term .

Flexibility to choose Life cover .

Aviva Sachin Extra Cover Advantage

No medical examination Higher Life Cover Loyalty Additions to boost maturity proceeds 9 fund options including Infrastructure and PSU Fund In-built accidental death cover for enhanced protection

Aviva LifeBond Advantage

9 unit linked funds as well as two options for life cover Extra financial protection through the inbuilt Accidental Death Benefit

Systematic partial withdrawal for hassle free structured withdrawal

Opportunity for additional investment with a nominal

life cover (top-up)

Aviva Dhan Varsha

Guaranteed Additions basis the policy term, longer the Policy Term, higher the rate of Guaranteed Additions

Guaranteed Survival Benefit equal to sum of all accrued guaranteed addition at the end of the Premium Payment Term

Guaranteed Maturity Benefit at the end of the Policy

Term

No premium payment liability during the last five years for policy term of 10, 15 and 20 years.

Optional riders for additional protection in the event of

accidental / non-accidental death.

Aviva Dhan Vriddhi

Guaranteed returns: Guaranteed Additions @7% of Life Cover for each completed policy year till maturity

Limited premium payment: Premiums are not required to be paid during the last five years of the policy

Aviva Money Back

A percentage of the Life Cover is paid out, depending

on the policy term, at the end of pre-defined years

Guaranteed Additions and Simple Reversionary Bonuses

Aviva LifeSaver Advantage

Increasing death benefit: Life Cover (Sum Assured) plus Fund Value as death benefit Flexible Life Cover (1.05 x Policy Term x Annual

Premium) to (1.5 x Policy Term x Annual Premium)

Inbuilt Accidental Death cover Select from the two optional riders Aviva Child Education (CE) Rider and Aviva Dread Disease (DD) rider

Aviva Pension Builder

Your retirement savings plan is an essential part of your future financial security. In volatile investing environment, the best protection against market

uncertainty is a guaranteed retirement corpus from your

pension plan. Presenting Aviva Pension Builder with guaranteed maturity benefit and increasing death benefit to support your family in any unfortunate turn of event.

Aviva Secure Pension- Aviva Secure Pension is a

comprehensive plan to provide you with the dual

benefits of pension and protection through:

Guaranteed additions to the sum assured in the first three policy years.

Attractive returns by participation in the companys profits and an additional terminal bonus on maturity.

Aviva LifeShield Plus- Payment of Life Cover (Sum Assured) to your family in the event of your death, with a provision of double the Life Cover in the case of an accidental death.

Immediate payment of the Life Cover in the case of critical illness or permanent total disability, while life

cover continues till the policy term

Most competitive rates

Aviva i-Life- In todays fast-paced life, rarely do we stop and take stock of the life cover we provide for our families in case something unfortunate was to happen to us. To ensure your families are secure and lead a comfortable life, in case you are not around, we bring to you Aviva i-Life - A pure life insurance cover for

your loved ones at a very nominal cost.

Aviva LifeShield Guaranteed payment of lump sum to the nominee in case of

death of the life insured within the policy term. Preferred rates to the customers opting for higher sum assured and to the Aviva Pension Plus Policyholders Flexibility of increasing the sum assured on life stage events like marriage and birth.

Aviva LifeShield Advantage- Payment of Life Cover (Sum Assured)

to your family in the event of your death (Option A)

Additional protection against Accidental Permanent Total Disability (Option B)

Return of the money paid towards the base premium on your survival at the end of the policy term

Additional protection against Permanent Total Disability (PTD) and 18 Critical Illness covered by the Aviva Dread Disease (DD) Rider (available with Option A regular premium mode)

Aviva LifeShield Platinum

Option A Life Protection

Option B Income Replacement Option C Loan Protection

Aviva Health Plus

Provision of a Life Cover (Sum Assured) on death

Additional protection against accidental death and disability

Coverage against Total Permanent Disability due to sickness

Coverage against 18 critical illnesses

Protection against 37 major surgeries

Cash payout in case of Hospitalisation

Guaranteed maturity benefit, even if all health benefits have been claimed

Aviva Amar Suraksha- Aviva Amar Suraksha is an ideal protection plan that helps you secure your family's future through:

A guaranteed lump sum amount in the unfortunate

event of your death

Minimal annual premium of Rs. 500.

Aviva Jana Suraksha- Aviva Jana Suraksha

provides comprehensive financial protection for your

children/dependants through:

Low cost life insurance Guaranteed lump sum amount in case of your death during the term of the policy.

Aviva Grameen Suraksha- Aviva Grameen Suraksha is an ideal low cost solution to help you protect your loved ones through:

Payment of Sum Assured to your family in the event of your death

Premium payment for 2 years and benefits for full the

policy term

Aviva Anmol Suraksha- Aviva Anmol Suraksha is a

comprehensive fixed term plan with protection cum

savings, through

A guaranteed addition of 6.5% on your life cover every year

Increase in the value of investment with no downside

Aviva Corporate Life- Aviva Corporate Life Plus provides

life cover for the employees/members of an organization and financially protects their families through

Life cover for employees. Additional cover for accidental death and permanent disability. Provide protection with minimum medical formalities.

Aviva Corporate Shield Plus- Aviva Corporate

Shield Plus is a term plan in lieu of employee/members deposit linked insurance designed primarily for corporates through:

Compensation for the financial loss to family members / dependants arising due to the death of an employee of the organization.

Providing protection with minimum formalities.

Tax Benefits can be availed under the Income Tax Act, 1961 Benefits Premiums paid towards a life insurance policy are eligible for a deduction of up to Rs 1 lakh from the taxable income. Premiums paid towards health insurance are eligible for a tax rebate of a maximum of Rs 15000 (Rs 20,000 for senior citizens) from the taxable income. Any benefits received on your life insurance policy is tax free

Section 80C

80D

10(10D)

THANK YOU