I have taken a policy at Aviva Life insurance for Monthly premium of Rs.2000, which accounts to 24K p.a.
where i have been given a life cover (Sum assured of Rs.2,76,000), where us there is possibility for me to go for an life cover of (Sum assured of Rs. 8,10,000).
If you look at the illustration, for the low life cover. i'll getting return of approx 14,00,000 (after 23 Yr as per 10% growth). But even if go for a higher life cover as per the illustration i'll be getting return of approx 13,50,000. (after 23 yrs as per 10% growth).
I came to know about this provision for after 2 years (i.e. after paying 48,000 to them). I have requested for opting for higher life cover. Its been approx 45 days past there is no postive reply from them.
By comparing the above, i have put into a loss of about 5,00,000. So when any one talking up the policy with aviva, please go through and ask for more details.
I would recommend not to take policies from Aviva. Was this information helpful? | 
The plan which was offered for me had hidden charges up to 40% and i hadnt known about it. Fisrt of all why aviva have such policies/ plans which mean to rob naive customers. aviva came out to be cheaters for me.
Now they are giving the reasons like, the plan which was given to me was really a bad one & my fund was managed very badly. I would rather say they robbed me as i was very naive while taking the policy n hadnt known anything about hidden charges.