Overview of Signature 3D Term Plan
Aviva Signature 3D Term Plan is a non-linked, non-participating pure risk life insurance plan that offers comprehensive protection against the three Ds: death, disability, and disease. It features four plan variants, namely, 3D Pure Term, 3D Accelerated, 3D Family Plus, and 3D TROP. Buyers can choose between lump-sum payouts or monthly income options. The plan also comes with benefits such as a premium waiver for critical or terminal illness, return of premiums upon survival, whole-life coverage up to 99 years, and entry ages ranging from 18 to 65 years. Riders such as Accidental Casualty, Critical Illness, and Cancer Cardio enhance protection, while females and non-smokers enjoy lower premiums, improving affordability.
Experts' Review of Signature 3D Term Plan
Written by Monish Vora
Chief Editor
Aviva Signature 3D Term Plan stands out for its multi-risk protection approach, covering not just death but also disability and critical illness through its “3D” structure. Buyers can choose between four variants: 3D Pure Term, 3D Accelerated, 3D Family Plus, and 3D TROP (Return of Premium) depending on whether they want basic protection, illness-linked payouts, monthly income support, or premium return at maturity.
One notable feature is the 3D Family Plus option, which combines a lump-sum death payout with a monthly income for 10 years, where the income starts at 0.25% of the base sum assured and increases by 8% annually. The plan also includes a terminal illness benefit, where up to 50% of the base sum assured (capped at ₹1 crore) can be paid early on diagnosis.
The plan offers whole-life coverage up to age 99, entry ages from 18 to 65 years, and optional riders such as Accidental Casualty, Critical Illness, and Cancer Cardio riders to enhance protection. However, some benefits like premium waiver and illness payouts depend on selecting specific variants or riders, so the base plan may not automatically include all protections.
Pros
While not groundbreaking, the features provided meet the basic requirements.
Plans includes the terminal illness benefit
Cons
Premiums are relatively high compared to other term plans.
Insurer performance indicators are on the lower side
The plan lacks essential features like special exit, cover increase, and disability benefits commonly provided by insurers.
Aviva Life Insurance
Key Insights
Founded
2002
Aviva Life Insurance was established 24 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
99.08% CSR, calculated as a 3-year average
Aviva Life Insurance settles 99.08% of all claims it receives demonstrating strong credibility.
Complaints
82.88 complaints per 10,000 claims registered
Aviva Life Insurance has a relatively high volume of complaints, which may point to ongoing issues in customer service or claim handling.
Amount Settled
98.82% of total claim amount settled
Aviva Life Insurance demonstrates excellent claim payout efficiency, settling over 98.82% of the total claim amount filed, reflecting strong financial reliability.
The aforementioned ratios have been averaged over three years (FY24-FY26)
Features of Signature 3D Term Plan
Cancer Cardio Rider
Standout
In case of diagnosis of cancer or other mentioned critical illness, the insurer will pay a lump sum benefit to the policyholder. The benefit also offers a one time wellness package.
Waiver of Premium
Some policies waive all future premium payments if you are ever disabled (due to accident) or diagnosed with a critical illness. Signature 3D Term Plan doesn't extend the waiver-of-premium option if you are permanently disabled (due to accident), but you have the option to waive off all premiums if you are diagnosed with a critical illness.
Critical Illness
If you're ever diagnosed with a critical illness, you would want your insurance policy to pay a fixed sum that can help you deal with any monetary obligations and financially support your needs during treatment. Signature 3D Term Plan extends critical illness benefit without too many restrictions and pays up to so long as you are diagnosed with one of the 49 illnesses listed in the policy brochure.
Customisable
In case of diagnosis of any of the mentioned critical illness, lump sum rider benefit is paid to the policyholder.
Terminal Illness
Certain policies will disburse the entire cover amount the moment you are diagnosed with a terminal illness. So you can still get the money when alive and use it any way you wish. Signature 3D Term Plan gives you the option to receive the entire or a percentage of sum assured upon diagnosis of a terminal illness.
Return of Premium
Some policies return your premium after the policy matures if you don't make a claim. However, we don't recommend this option actively considering the option can be expensive. In any case, Signature 3D Term Plan extends this option to those considering it.
Add-ons of Signature 3D Term Plan
Accidental Casualty rider
In case of death due to an accident, a lump sum payout is given on top of the base cover.
Critical Illness Rider
In case of diagnosis of any of the mentioned critical illness, lump sum rider benefit is paid to the policyholder.
Cancer Cardio Rider
In case of diagnosis of cancer or other mentioned critical illness, the insurer will pay a lump sum benefit to the policyholder. The benefit also offers a one time wellness package.
Exclusions in Signature 3D Term Plan
Conditions or treatments that the policy clearly says it will not cover.
Suicides are not covered in the first year.
Death due to intoxication.
If the nominee is involved in the death of the policyholder, that would not be covered.
The policyholder dies with respect to his involvement in criminal activity.
Death by suicide within the first policy year is not covered.
Disclaimer: For illustration purposes only - exact terms are in the policy wording.
Variants of Signature 3D Term Plan
3D Pure Term
On the Life Insured's death during the policy term, the nominee will receive a lump sum death benefit.
3D Accelerated
This option offers term insurance coverage through a lump sum payout, with a minimum Sum Assured of ₹50.50 lakh. It also includes an in-built Accelerated Terminal Illness Benefit of 50% of the Base Sum Assured.
3D Family Plus
In the event of the Life Insured’s death, the Base Sum Assured is paid as a lump sum, followed by monthly payouts for 10 years
3D TROP
On death of the Life Insured, the Base Sum Assured is paid and the policy terminates; if the Life Insured survives till maturity, Total Premiums Paid are returned.
What's missing in Signature 3D Term Plan
No Zero Cost Option
No Top-Up Option
No option to increase your cover with inflation
No option to decrease your cover over time
No payout on disability
No Special Exit Value
No Cover Continuance Benefit
No option to increase cover at life milestones
No Insta Payout Benefit
Reviews for Signature 3D Term Plan
S
Shaurya Q. Singh
Picked this plan terminal illness cover adds real peace of mind and rider options are solid for CI and disability Overall happy No stress till
A
Aditi Pandey
Signed up for Signature D payout choice feels practical and rider options are solid for CI and disability Feels reliable In short For me
K
Kunal D. Nayak
Took Signature D riders ka combo acha hai CI disability bhi and terminal illness cover se family ko peace mila Good value Works well good
H
Himanshu Kapoor
Chose Signature D payout choice lump sum or income feels practical but once chosen options can t be changed later Still fine In short value
N
Neha Varma
Opted for this plan riders ka combo acha hai CI disability bhi and terminal illness cover se family ko peace mila Worth it For me Honestly overal
Frequently Asked Questions
What is the Aviva Life Signature 3D Term Plan?
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