{"uin":"122N182V01","name":"Aviva Secure Nest Annuity Plan","url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-secure-nest-annuity-plan-122n182v01","insurer":{"slug":"aviva-life-insurance","name":"Aviva Life Insurance Company India Limited","url":"https://indiainsurances.com/insurer/aviva-life-insurance"},"line":"life","category":"pension-annuity","category_name":"Pension and annuity","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Aviva Secure Nest Annuity Plan is an immediate annuity policy with a whole life policy term and single premium payment. It offers annuity options including life annuity, guaranteed-period annuities, increasing annuity, joint life options and return of purchase price options, with no surrender value or loan facility.","analysis":{"state":"machine","analysed_at":"2026-10-19 18:15:14.238261+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"Whole Life.","display":"Whole Life","note":null,"quote":"Policy Term Whole Life","sources":[{"clause":"Row 4","heading":"Basic Policy Details","page":1,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-secure-nest-annuity-plan-122n182v01/document/2056#c-row-4"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Affirmative proof of death and required documents must be completed and furnished within ninety (90) days from the occurrence of death of the Annuitant(s). Late notification may be accepted if the claimant proves delay was beyond their control.","display":"Within ninety (90) days from the occurrence of death of Annuitant(s)","note":null,"quote":"Affirmative proof of death and any appropriate documents as required by Us must be completed and furnished to Us within ninety (90) days from the occurrence of the death of Annuitant(s), unless specified otherwise. However, a notification of claim received after ninety (90) days may be accepted, if the Claimant proves to Our satisfaction that there was delay for reasons beyond the control of the Claimant.","sources":[{"clause":"1.2","heading":null,"page":8,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-secure-nest-annuity-plan-122n182v01/document/2101#c-1-2-2"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Original or certified copy of the death certificate issued by the municipal authorities","Original Policy Document","Our claim form duly completed, signed by the claimant and attested by the authorities as mentioned in the claim form","Duly certified Copy of cancelled cheque/pass book having details of bank account number, IFSC and name of claimant","Identification proof of the Nominee and Appointee (if applicable) issued by a governmental authority","Documentary proof, which establishes the Nominee and Appointee’s relationship with the Insured","Address proof of the claimant for the address mentioned in the claim form","For un-natural or non– medical death: certified copies of First Information Report (FIR), Post Mortem Report (PMR), Final Police Inquest Report (FPIR)","Newspaper articles/ cutting, if any"],"display":"Death certificate, original policy document, claim form, bank details, ID proof, relationship proof, address proof; for un-natural or non-medical death, FIR/PMR/FPIR and newspaper articles/cutting if any","note":null,"quote":"i) Original or certified copy of the death certificate issued by the municipal authorities.\nii) Original Policy Document.\niii) Our claim form duly completed, signed by the claimant and attested by the authorities as mentioned in the claim form.\niv) Duly certified Copy of cancelled cheque/pass book having details of bank account number, IFSC and name of claimant\nv) Identification proof of the Nominee and Appointee (if applicable) issued by a governmental authority.\nvi) Documentary proof, which establishes the Nominee and Appointee’s relationship with the Insured.\nvii) Address proof of the claimant for the address mentioned in the claim form.\nviii) If the death of the Insured was caused due to un-natural or non– medical reasons, in addition to the above documents the following additional documents also need to be submitted to Us:\na) Certified copies of First Information Report (FIR), Post Mortem Report (PMR), Final Police Inquest Report (FPIR).\nb) Newspaper articles/ cutting, if any.","sources":[{"clause":"1.3","heading":null,"page":8,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-secure-nest-annuity-plan-122n182v01/document/2101#c-1-3-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The CIS states death claims except investigation are settled within 15 days from intimation, death claims warranting investigation within 45 days from intimation, surrender or partial withdrawal within 7 days of receipt, and maturity, survival, annuity payouts and income benefits on due date.","display":"Death claim: within 15 days from intimation; investigation: within 45 days from intimation; surrender/partial withdrawal: within 7 days of receipt; annuity payouts etc.: on due date","note":"From the Customer Information Sheet; the policy wording does not print a claim settlement TAT.","quote":"Turn Around Time (TAT) for claims settlement: a. Death claim, except in cases warranting investigation - Within 15 days from the date of intimation of claim. b. Death claim warranting investigation - Within 45 days from the date of intimation of claim. c. Surrender, Partial Withdrawal - Within 7 days of receipt. d. Maturity Benefits, Survival Benefits, Annuity Payouts, Income Benefits etc. - On due date.","sources":[{"clause":"10","heading":"Option J: NPS – Family Income (option available only for","page":3,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-secure-nest-annuity-plan-122n182v01/document/2056#c-10"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["No Death Benefit is payable on death of the Annuitant in any Annuity Type other than Life Annuity with Return of Purchase Price (Option G) & Joint Life Last Survivor Annuity with Return of Purchase Price (Option I)","Maturity Benefit: Not applicable","No Surrender Value is payable under the Policy"],"display":"No death benefit except under Option G and Option I; maturity benefit not applicable; no surrender value","note":"Suicide is not excluded; the policy states suicidal death is treated the same as normal death.","quote":"No Death Benefit is payable on death of the Annuitant in any Annuity Type other than Life\nAnnuity with Return of Purchase Price (Option G) & Joint Life Last Survivor Annuity with ... Return of Purchase Price (Option I) ... 3: Maturity Benefit: Not applicable ... Section 2: Surrender: No Surrender Value is payable under the Policy.","sources":[{"clause":"1.3","heading":"No Death Benefit is payable on death of the Annuitant in any Annuity Type other than Life","page":4,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-secure-nest-annuity-plan-122n182v01/document/2101#c-1-3"},{"clause":null,"heading":"Return of Purchase Price (Option I)","page":4,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-secure-nest-annuity-plan-122n182v01/document/2101#c-return-of-purchase-price-option-i"},{"clause":"2.10.5","heading":null,"page":6,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-secure-nest-annuity-plan-122n182v01/document/2101#c-2-10-5"},{"clause":null,"heading":"Policy servicing","page":7,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-secure-nest-annuity-plan-122n182v01/document/2101#c-policy-servicing"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"For a query, complaint or grievance, first contact Aviva by phone, email, branch office, advisor or customer services at the address in the Schedule. If there is no response or the response is unsatisfactory, contact the Grievance Redressal Officer at the head office, by phone or by email.","display":"First contact Aviva customer service; if not satisfied, contact the Grievance Redressal Officer","note":null,"quote":"For any query, complaint or grievance relating to the Policy You can\ni) call Us at 1800-103-7766 / 1800-180-2266; or\nii) email Us at: complaints@avivaindia.com; or\niii) approach any of Our branch offices; or\niv) contact Your advisor; or\nv) contact Our customer services group at Our address specified in the Schedule ... If You do not receive any response from Us or are not satisfied with Our response, You can contact Grievance Redressal Officer at:\ni) Head Office Aviva Life Insurance Company India Limited, 401-A, 4th Floor, Block-A, DLF Cyber Park, Sector-20, NH-8, Gurugram, Haryana- 122016 or\nii) call at 0124-2709046; or\niii) email at gro@avivaindia.com","sources":[{"clause":"1.1","heading":"For any query, complaint or grievance relating to the Policy You can","page":11,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-secure-nest-annuity-plan-122n182v01/document/2101#c-1-1-3"},{"clause":"2.1","heading":null,"page":11,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-secure-nest-annuity-plan-122n182v01/document/2101#c-2-1-4"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_assured","label":"Sum assured","section":"Cover","meaning":"The minimum and maximum life cover, or the rule that sets it (for example 10 times the annual premium).","status":"not-stated","value":null,"display":null,"note":"The CIS uses placeholders for Death Sum Assured and does not give a minimum or maximum sum assured.","quote":null,"sources":[],"law":[]},{"key":"death_benefit","label":"Death benefit","section":"Cover","meaning":"What your family gets if you die during the term, and how it is calculated.","status":"quote-verified","value":"Under Option G, on death of the Annuitant the insurer pays an amount equal to the Purchase Price, excluding taxes if any. Under Option I, on death of the last survivor Annuitant the insurer pays an amount equal to the Purchase Price, excluding taxes if any; no death benefit is payable in other annuity types.","display":"Option G: Purchase Price excluding taxes on death of the Annuitant; Option I: Purchase Price excluding taxes on death of the last survivor; no death benefit in other annuity types","note":"For Option J, NPS Family Income, refund of the Purchase Price is used according to PFRDA-related rules printed under the annuity benefit.","quote":"If Annuity Type chosen is Life Annuity with Return of Purchase Price (Option G), on death of the Annuitant We shall pay an amount equal to the Purchase Price (excluding taxes if any). ... (Option I), on death of the last survivor Annuitant We shall pay an amount equal to the Purchase Price (excluding taxes if any). ... No Death Benefit is payable on death of the Annuitant in any Annuity Type other than Life\nAnnuity with Return of Purchase Price (Option G) & Joint Life Last Survivor Annuity with ... Return of Purchase Price (Option I)","sources":[{"clause":"1.1","heading":null,"page":4,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-secure-nest-annuity-plan-122n182v01/document/2101#c-1-1"},{"clause":"1.2","heading":"If Annuity Type chosen is Joint Life Last Survivor Annuity with Return of Purchase Price","page":4,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-secure-nest-annuity-plan-122n182v01/document/2101#c-1-2"},{"clause":"1.3","heading":"No Death Benefit is payable on death of the Annuitant in any Annuity Type other than Life","page":4,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-secure-nest-annuity-plan-122n182v01/document/2101#c-1-3"},{"clause":null,"heading":"Return of Purchase Price (Option I)","page":4,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-secure-nest-annuity-plan-122n182v01/document/2101#c-return-of-purchase-price-option-i"}],"law":[]},{"key":"maturity_benefit","label":"Maturity benefit","section":"Cover","meaning":"What you get if you survive to the end of the term.","status":"quote-verified","value":"Maturity benefit is not applicable.","display":"Not applicable","note":null,"quote":"3: Maturity Benefit: Not applicable","sources":[{"clause":"2.10.5","heading":null,"page":6,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-secure-nest-annuity-plan-122n182v01/document/2101#c-2-10-5"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"quote-verified","value":"This is a single pay policy and the premium payment term is not applicable.","display":"Single Pay; Premium Payment Term Not Applicable","note":null,"quote":"Mode of Premium Payment Single Pay Sum Assured on Death <<Death Sum Assured>> Sum Assured on Maturity Not Applicable Premium Payment Term Not Applicable Policy Term Whole Life","sources":[{"clause":"Row 4","heading":"Basic Policy Details","page":1,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-secure-nest-annuity-plan-122n182v01/document/2056#c-row-4"}],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"quote-verified","value":"The policy term is whole life and maturity is not applicable.","display":"Whole Life; maturity not applicable","note":null,"quote":"Sum Assured on Maturity Not Applicable Premium Payment Term Not Applicable Policy Term Whole Life","sources":[{"clause":"Row 4","heading":"Basic Policy Details","page":1,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-secure-nest-annuity-plan-122n182v01/document/2056#c-row-4"}],"law":[]},{"key":"suicide_clause","label":"Suicide clause","section":"Exclusions","meaning":"What is paid if death is by suicide within the first 12 months.","status":"quote-verified","value":"Because this is an immediate annuity product, there is no difference between normal death and death due to suicide. Under all annuity options, the benefit payable on suicidal death is the same as the benefit payable on normal death.","display":"Suicidal death treated the same as normal death under all annuity options","note":null,"quote":"As this is an immediate annuity product, there is no difference in the treatment of normal death and death due to suicide. Therefore, under all the annuity options, the benefit payable in case of suicidal death will be same as that of benefits payable on normal death.","sources":[{"clause":"Section 3","heading":"Suicide Exclusion","page":9,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-secure-nest-annuity-plan-122n182v01/document/2101#c-section-3"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 21","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 35","url":"https://indiainsurances.com/law/irdai-life-products-2024"}]},{"key":"surrender","label":"Surrender value","section":"Renewal and rights","meaning":"What you get if you stop the policy early, and from when.","status":"quote-verified","value":"No surrender value is payable under the policy.","display":"No Surrender Value is payable","note":null,"quote":"Section 2: Surrender: No Surrender Value is payable under the Policy.","sources":[{"clause":null,"heading":"Policy servicing","page":7,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-secure-nest-annuity-plan-122n182v01/document/2101#c-policy-servicing"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.1 to 26.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.4 and 26.5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 27","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.16 and 1.17","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(1) to (3)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(4) and (5)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(6) to (9)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(B)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vi)(c)(V)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"paid_up","label":"Paid-up value","section":"Renewal and rights","meaning":"What cover continues if you stop paying premiums after a few years.","status":"quote-verified","value":"Paid-up provisions are not applicable.","display":"Not Applicable","note":"This is a single premium annuity plan.","quote":"13 | Lapse, Paid-up and Revival of the Policy | Not Applicable | NA","sources":[{"clause":"10","heading":"Option J: NPS – Family Income (option available only for","page":3,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-secure-nest-annuity-plan-122n182v01/document/2056#c-10"}],"law":[]},{"key":"revival","label":"Revival period","section":"Renewal and rights","meaning":"How long after lapsing you can restart the policy.","status":"quote-verified","value":"Lapse and revival of the policy are not applicable because this is a single premium policy.","display":"Not applicable as this is single premium policy","note":null,"quote":"Section 1: Lapse & Revival of the Policy: Not applicable as this is single premium policy","sources":[{"clause":null,"heading":"Policy servicing","page":7,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-secure-nest-annuity-plan-122n182v01/document/2101#c-policy-servicing"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.1 and 40.1.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.4","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.7","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.28","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.39","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"policy_loan","label":"Policy loan","section":"Renewal and rights","meaning":"Whether you can borrow against the policy.","status":"quote-verified","value":"Loan is not applicable.","display":"Not Applicable","note":null,"quote":"Section 3: Loan: Not Applicable","sources":[{"clause":null,"heading":"Policy servicing","page":7,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-secure-nest-annuity-plan-122n182v01/document/2101#c-policy-servicing"}],"law":[]},{"key":"riders_available","label":"Riders available","section":"Cover","meaning":"Optional add-ons such as accidental death, critical illness or waiver of premium.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"section45","label":"Claims after 3 years (Section 45)","section":"Claims","meaning":"After 3 years a life policy cannot be questioned on any ground, and only for fraud with proof before that.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 45","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"tax_note","label":"Tax note in the document","section":"Premium","meaning":"What the document says about tax benefits. Not stated when it only says taxes are charged on the premium. Tax law changes; confirm separately.","status":"quote-verified","value":"The CIS says tax benefits are as per prevailing tax laws, subject to change, and advises consulting a tax advisor. The policy wording says the policyholder is responsible to assess and claim deductions and the insurer does not take responsibility for such deductions.","display":"Tax benefits as per prevailing tax laws, subject to change; consult your tax advisor","note":null,"quote":"Tax benefits as per the prevailing tax laws and are subject to change from time to time. Please consult your tax advisor for details. ... You shall be solely responsible to assess, claim and /or ensure admissibility, or otherwise, of deductions under the tax laws in respect of the amount contributed or accrued/received to him as We do not hold any responsibility for Your claim to any deduction/s under the tax laws in respect of the amount contributed or accrued/received. ... Tax laws are subject to amendments from time to time and you must keep yourself informed the same.","sources":[{"clause":null,"heading":"Tax Benefits","page":6,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-secure-nest-annuity-plan-122n182v01/document/2052#c-tax-benefits"},{"clause":"4.1","heading":null,"page":9,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-secure-nest-annuity-plan-122n182v01/document/2101#c-4-1-2"},{"clause":"4.2","heading":null,"page":9,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-secure-nest-annuity-plan-122n182v01/document/2101#c-4-2-2"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"thirty (30) days","note":null,"quote":"You have an option to return this Policy for cancellation at any time within the first thirty (30) days of receipt of this Policy, if You disagree with this Policy.","sources":[{"clause":"4.1","heading":null,"page":7,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-secure-nest-annuity-plan-122n182v01/document/2101#c-4-1"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"not-applicable","value":null,"display":null,"note":"Grace period cannot apply because this is a single premium policy.","quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"Entry age is category-specific: Aviva Pension policyholders are 18 years to 80 years last birthday; nominees of deceased Aviva Pension policyholders are 0 years to 80 years last birthday, with 18 years for Options H and I; general public minimum is 40 years last birthday. For POS solicitation of Option G, entry age is 40 years to 70 years last birthday.","display":"0 to 80 years last birthday for nominees; 18 to 80 years for Aviva Pension policyholders; general public minimum 40 years; POS Option G 40 to 70 years","note":"From the sales brochure for entry ages; the POS key feature document separately shows Entry Age Last Birthday 40 Years to 70 Years for POS policies.","quote":"Aviva Pension policyholders | 18 Years last birthday | 80 Years last birthday ... Nominees of deceased Aviva Pension policyholders | 0 Years last birthday (18 Years for Option H & I)\nNominees of deceased | 0 Years last birthday | 80 Years last\nAviva Pension policyholders (18 Years for Option H & I) | birthday\nGeneral Public other than above two categories | 40 Years last birthday ... Only Option G- Life Annuity with Return of Purchase Price option can be solicited via POSPs provided the minimum and maximum entry age would be 40 years and 70 years last birthday respectively.","sources":[{"clause":null,"heading":"Entry age as per Policyholder Category (applicable for Single & Joint lives)","page":5,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-secure-nest-annuity-plan-122n182v01/document/2129#c-entry-age-as-per-policyholder-category-applicabl"},{"clause":null,"heading":"Points to Note","page":6,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-secure-nest-annuity-plan-122n182v01/document/2129#c-points-to-note"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["Single Premium"],"display":"Single Premium","note":null,"quote":"Payment Mode | Single Premium","sources":[{"clause":null,"heading":"Eligibility Criteria","page":3,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-secure-nest-annuity-plan-122n182v01/document/2052#c-eligibility-criteria"}],"law":[]},{"key":"premium_type","label":"Premium payment type","section":"Premium","meaning":"Single premium, regular premium (every year of the term) or limited premium (fewer years than the term).","status":"quote-verified","value":["Single Premium"],"display":"Single Premium","note":null,"quote":"Premium means the Single Premium as applicable under this Policy,","sources":[{"clause":null,"heading":"Premium","page":2,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-secure-nest-annuity-plan-122n182v01/document/2101#c-premium"}],"law":[]},{"key":"annuity_options","label":"Annuity options","section":"Cover","meaning":"Life annuity, joint life, return of purchase price, increasing annuity...","status":"quote-verified","value":["Option A: Life Annuity","Option B: Annuity Guaranteed for 5 years and for life thereafter","Option C: Annuity Guaranteed for 10 years and for life thereafter","Option D: Annuity Guaranteed for 15 years and for life thereafter","Option E: Annuity Guaranteed for 20 years and for life thereafter","Option F: Annuity for Life increasing @ 3% per annum simple","Option G: Life Annuity with Return of Purchase Price","Option H: Joint Life Last Survivor Annuity","Option I: Joint Life Last Survivor Annuity with Return of Purchase Price","Option J: NPS – Family Income"],"display":"Options A to J: life annuity, 5/10/15/20-year guaranteed annuities, 3% increasing annuity, return of purchase price, joint life, joint life with return of purchase price, and NPS – Family Income","note":"Option J is available only for National Pension System (NPS) subscribers.","quote":"Option A: Life Annuity ... Option B: Annuity Guaranteed for 5 years and for life thereafter ... Option C: Annuity Guaranteed for 10 years and for life thereafter ... Option D: Annuity Guaranteed for 15 years and for life thereafter ... Option E: Annuity Guaranteed for 20 years and for life thereafter ... Option F: Annuity for Life increasing @ 3% per annum simple ... Option G: Life Annuity with Return of Purchase Price ... Option H: Joint Life Last Survivor Annuity ... Option I: Joint Life Last Survivor Annuity with Return of Purchase Price ... Option J: NPS – Family Income (Annuity option available only for the National Pension System (NPS) subscribers):","sources":[{"clause":"2.1","heading":"Option A: Life Annuity","page":4,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-secure-nest-annuity-plan-122n182v01/document/2101#c-2-1"},{"clause":"2.2","heading":"Option B: Annuity Guaranteed for 5 years and for life thereafter","page":4,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-secure-nest-annuity-plan-122n182v01/document/2101#c-2-2"},{"clause":"2.3","heading":"Option C: Annuity Guaranteed for 10 years and for life thereafter","page":4,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-secure-nest-annuity-plan-122n182v01/document/2101#c-2-3"},{"clause":"2.4","heading":"Option D: Annuity Guaranteed for 15 years and for life thereafter","page":5,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-secure-nest-annuity-plan-122n182v01/document/2101#c-2-4"},{"clause":"2.5","heading":"Option E: Annuity Guaranteed for 20 years and for life thereafter","page":5,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-secure-nest-annuity-plan-122n182v01/document/2101#c-2-5"},{"clause":"2.6","heading":"Option F: Annuity for Life increasing @ 3% per annum simple","page":5,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-secure-nest-annuity-plan-122n182v01/document/2101#c-2-6"},{"clause":"2.7","heading":"Option G: Life Annuity with Return of Purchase Price","page":5,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-secure-nest-annuity-plan-122n182v01/document/2101#c-2-7"},{"clause":"2.8","heading":"Option H: Joint Life Last Survivor Annuity","page":5,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-secure-nest-annuity-plan-122n182v01/document/2101#c-2-8"},{"clause":"2.9","heading":"Option I: Joint Life Last Survivor Annuity with Return of Purchase Price","page":5,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-secure-nest-annuity-plan-122n182v01/document/2101#c-2-9"},{"clause":"2.10","heading":"Option J","page":6,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-secure-nest-annuity-plan-122n182v01/document/2101#c-2-10"}],"law":[]},{"key":"purchase_price_min","label":"Minimum purchase price","section":"Eligibility","meaning":"Smallest lump sum or annuity accepted.","status":"quote-verified","value":"Purchase Price / Premium is as per the minimum or maximum annuity instalment and the prevailing Board Approved Underwriting Policy. The stated minimum annuity amounts are Yearly ₹12,000, Half-yearly ₹6,000, Quarterly ₹3,000 and Monthly ₹1,000.","display":"As per minimum annuity instalment: Yearly ₹12,000, Half-yearly ₹6,000, Quarterly ₹3,000, Monthly ₹1,000","note":"The documents do not print a separate rupee minimum purchase price; they define it through the minimum annuity instalment.","quote":"Annuity Amount | Yearly: ₹12,000 Half-yearly: ₹6,000 Quarterly: ₹3,000 Monthly: ₹1,000 | No Limit, sub to BAUP ... Purchase Price / Premium | As per minimum / maximum Annuity instalment. As per prevailing Board Approved Underwriting Policy (BAUP)","sources":[{"clause":null,"heading":"Eligibility Criteria","page":3,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-secure-nest-annuity-plan-122n182v01/document/2052#c-eligibility-criteria"}],"law":[]},{"key":"deferment","label":"Deferment period","section":"Cover","meaning":"For deferred plans, how long before income starts.","status":"not-applicable","value":null,"display":null,"note":"This is an immediate annuity product, not a deferred annuity plan.","quote":null,"sources":[],"law":[]},{"key":"annuity_frequency","label":"Payout frequency","section":"Cover","meaning":"Monthly, quarterly, half-yearly, yearly.","status":"quote-verified","value":["monthly","quarterly","half-yearly","yearly"],"display":"monthly, quarterly, half-yearly or yearly","note":null,"quote":"Annuity Payout Frequency means the frequency of Annuity Instalment payment of monthly, quarterly, half-yearly or yearly, as specified in the Schedule.","sources":[{"clause":null,"heading":"Annuity Payout Frequency","page":1,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-secure-nest-annuity-plan-122n182v01/document/2101#c-annuity-payout-frequency"}],"law":[]},{"key":"annuity_rate_example","label":"Example annuity rate","section":"Cover","meaning":"An example from the document; rates change with age and over time.","status":"quote-verified","value":"For a 40 Years Male with Purchase Price 20 Lakh, the brochure shows yearly annuity amounts of ₹1,31,404 for Option A, ₹1,20,909 for Option G and ₹1,26,581 for Option H. It says annuity rate depends on age at inception and option chosen, and annuity is payable yearly in arrears in the sample.","display":"40 Years Male, Purchase Price 20 Lakh: Option A ₹1,31,404; Option G ₹1,20,909; Option H ₹1,26,581","note":"From the sales brochure sample annuity illustration.","quote":"40 Years Male | 20 Lakh | ₹1,31,404 | ₹1,20,909 | ₹1,26,581 ... Annuity rate depends on the age of the annuitant at inception of the Policy and the option chosen. Annuity amount is payable in arrears on a yearly basis.","sources":[{"clause":null,"heading":"Sample Annuity Amount Illustration","page":7,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-secure-nest-annuity-plan-122n182v01/document/2129#c-sample-annuity-amount-illustration"}],"law":[]}],"documents":[{"kind":"wording","label":"See Terms","pages":16,"fetched_at":"2026-10-17 19:34:59+00","source_url":"https://www.avivaindia.com/sites/default/files/Aviva_Secure_Nest_Annuity_Plan_T%26c.pdf","url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-secure-nest-annuity-plan-122n182v01/document/2101"},{"kind":"cis","label":"KFD-POS","pages":7,"fetched_at":"2026-10-17 19:33:29+00","source_url":"https://www.avivaindia.com/sites/default/files/KFD-POS_Aviva-Secure-Nest-Annuity-Plan.pdf","url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-secure-nest-annuity-plan-122n182v01/document/2052"},{"kind":"cis","label":"Customer Information Sheet","pages":5,"fetched_at":"2026-10-17 19:33:36+00","source_url":"https://www.avivaindia.com/sites/default/files/75.2.5_CIS_Aviva_Secure_Nest_Annuity_Plan.pdf","url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-secure-nest-annuity-plan-122n182v01/document/2056"},{"kind":"brochure","label":"Download Brochure","pages":11,"fetched_at":"2026-10-17 19:35:55+00","source_url":"https://www.avivaindia.com/sites/default/files/Sales-Literature_Aviva-Secure-Nest-Annuity-Plan.pdf","url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-secure-nest-annuity-plan-122n182v01/document/2129"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Aviva Life Insurance official website","url":"https://www.avivaindia.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Maturity and survival benefit claim","url":"https://www.avivaindia.com/settle-your-maturity-and-survival-benefit-claim","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance mechanism","url":"https://www.avivaindia.com/grievance-mechanism","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Aviva Secure Nest Annuity Plan (UIN 122N182V01), IndiaInsurances, https://indiainsurances.com/policy/aviva-life-insurance/aviva-secure-nest-annuity-plan-122n182v01"}