Aditya Birla Sun Life Insurance

IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER

The linked Insurance Products do not offer any liquidity during the first five years of the contract. The policyholder will not be able to surrender/withdraw the monies invested in Linked Insurance Products completely or partially till the end of the fifth year from inception.

Aditya Birla Sun Life Insurance Wealth Infinia

A Unit-Linked Non-Participating Individual Life Insurance Savings Plan

A market-linked savings plan that returns policy charges and helps you build a legacy fund

Aditya Birla Sun Life Insurance offers all new ABSLI Wealth Infinia - a unit linked non-participating individual life insurance savings plan that provides you risk coverage during the Policy Term and offers the flexibility to choose from 16 fund options and 5 investment strategies thereby giving you complete control over your savings.

Key Features

ABSLI Wealth Infinia is a unit-linked non-participating individual life insurance savings plan that offers the following benefits:

1. Flexibility to choose between two plan variants -Milestone Variant (coverage till Age 85) and Legacy Variant (coverage till Age 100) to help you grow your wealth and stay protected as per your life’s needs.

2. Wealth Boosters and Loyalty Additions added periodically during the Policy Term to enhance your Fund Value.

3. Return of Mortality and Premium Allocation Charges at the maturity to boost your Fund Value.

4. Systematic Withdrawal Facility to enable regular withdrawals from your Fund Value during the policy term to cater to your recurring monetary needs.

5. Life Cover throughout the Policy Term ensuring that your family is financially secured even in your absence.

6. Choice of 5 investment strategies and 16 funds to suit your varied investment needs.

7. Flexibility to choose from a wide range of Policy Terms and Premium Paying Terms.

8. Tax Benefits may be applicable on Premiums paid and Benefits received as per prevailing tax laws.

Illustration¹:

Male | Age: 35 years | Variant: Milestone Variant | Annual Premium: Rs. 2,00,000 | Premium Payment Term: 10 years | Policy Term: 20 years | Investment Option: Self-Managed Option | Fund Chosen: Maximizer | Premium Payment Mode: Annual | Sum Assured: Rs. 20,00,000.

The above values are illustrative and not guaranteed and they are not upper or lower limits of what on get back, as the values of policy depends on numbers of factors including future investment performance. Premium calculated is exclusive of taxes

²Note: In all the above scenarios, 4% p.a. and 8% p.a. are only assumed investment returns and are not guaranteed. Some benefits are guaranteed and some benefits are variable with returns based on the future performance of your insurer carrying on life insurance business. If your policy offers guaranteed benefits then these will be clearly marked “guaranteed” in the illustration table on this page. If your policy offers variable benefits then the illustrations on this page will show two different rates of assumed future investment returns. These assumed rates of return are not guaranteed and they are not the upper or lower limits of what you might get back, as the value of your policy is dependent on a number of factors including future investment performance. Premiums are exclusive of GST. The above illustration has been provided assuming that all due premiums under the policy have been paid and assuming the date of death is coinciding with the policy anniversary.

• Loyalty Addition: 0.10% of Fund Value added every year from end of 11^th year and shall increase by 0.05% every year
• Wealth Booster: 2% of Fund Value added every 5 year starting from end of 10^th  year
• Return of Premium Allocation & Mortality Charge: Premium Allocation & Mortality Charges are returned to the policyholder at the end of the policy Term

Your Choices at Inception
Step 1: Choose Your Variant: a) Legacy Variant b) Milestone Variant

Step 2: Choose your Annualized Premium, Premium Payment Term, Policy Term and Premium Payment Mode

Step 3: Choose your Investment Strategy and Fund Allocation

Key benefits offered under the plan

Death Benefit

For both the Variants, In case of Death of the Life Insured anytime during the Policy Term, while all due premiums under the policy have been paid, Aditya Birla Sun Life Insurance will pay to the nominee/legal heir/Policyholder higher of:
a) Fund Value as on date of intimation of death; or
b) Sum Assured (reduced by partial withdrawals made during the two years immediately preceding the date of death of the Life Insured, if any); or
c) 105% of the Total Annualized Premiums/Single Premium received by Us till the date of death of the Life Insured (reduced by all partial withdrawals, if any made during the two years’ period immediately preceding the death of the Life Insured, if any)
Fund Value is equal to the number of units pertaining to Single Premium/ Annualized Premiums allocated to the Fund(s) chosen by You multiplied by the respective NAV of the Fund(s).
Sum Assured is 7 times or 10 times the Annualized Premium for Limited Pay/Regular Pay options and 1.25 times the Single Premium for Single Pay.
If the Sum Assured chosen is 10 times the Annualized Premium, the death benefit after partial withdrawals shall never be less than Annualized Premium multiplied by 10.
For policies issued on minor life, the date of commencement of risk will be the date of issuance.
Where a policy is issued on a minor life, the policy will vest after attainment of majority (age 18 years) of the Life Insured.
Further any charges other than Fund Management Charges (FMC) recovered subsequent to the date of death shall be added back to the Fund Value as available on the date of intimation of death.

Maturity Benefit
On survival of Life Insured up to the end of the Policy Term and provided all due premiums under the policy have been paid or is a Reduced Paid-Up Policy, Aditya Birla Sun Life Insurance shall pay the Fund Value in a lump sum to you or as a structured payout using Settlement Option.

Additionally, all the Premium Allocation charges and Mortality charges collected, excluding GST, over the entire Policy Term will be returned to you, provided all due premiums under the policy have been paid. The charges returned are in the form of additional units added to the Fund Value.

Loyalty Additions
Loyalty Additions are benefits added in the form of additional units to the policy which shall be credited only if the Life Insured has paid all due premiums under the policy. Loyalty Addition will be calculated as a percentage of Fund Value.

Legacy Variant: Limited Pay:

Milestone Variant: Limited Pay/ Regular Pay

Wealth Booster

Aditya Birla Sun Life Insurance will contribute to your wealth creation by allocating additional units to your Fund starting from the end of 10th policy year and every 5 years thereafter provided all due premiums under the policy have been paid.

Wealth Boosters will be calculated as a percentage of Fund Value as given below.

Return of Mortality and Premium Allocation Charges

• At the end of the Policy Term, Aditya Birla Sun Life Insurance will enhance your Fund Value by adding back an amount equal to the total Mortality
• Charges and Premium Allocation Charges which were deducted in the policy provided all due premiums have been paid.
• Return of Mortality Charge & Premium Allocation Charge will be excluding any extra Mortality Charge & or any applicable taxes, cesses and levies on the Mortality Charge & Premium Allocation Charge deducted, as per prevailing tax laws.
• This benefit will not be applicable in case of a Surrendered, Discontinued or Reduced Paid-up policy (please refer to Policy Discontinuance provisions).
• In case you opt for maturity payout through settlement option, the Units obtained through return of Mortality Charge & Premium Allocation Charge would be treated the same as the Units in Policy otherwise

Rider Benefits
For added protection, you can enhance your risk coverage during the Policy Term by adding following riders at a nominal extra cost.

• ABSLI Accidental Death Benefit Rider Plus (UIN: 109A024V01): In the unfortunate event of death of the Life Insured due to an Accident within 180 days of occurrence of the accident, Aditya Birla Sun Life Insurance will pay 100% of the rider sum assured to the nominee. Also, Aditya Birla Sun Life Insurance will refund the premiums collected after the date of Accident till date of death, with interest as declared by us from time to time, along with death benefit payable.
• ABSLI Waiver of Premium Rider (UIN: 109A039V01): In case of the following conditions:
  • Policyholder becomes completely disabled due to an illness or accident
  • Policyholder is diagnosed with any of the specified critical illnesses
  • Death of the policyholder (only if other than the Life Insured)

Aditya Birla Sun Life Insurance will fund all the future due premiums and all the other benefits will remain unaffected. This benefit is applicable only once during the entire premium paying term.
For further details regarding the above-mentioned riders, please refer to respective rider brochure(s) available on our website.

Your Investment Strategies

Under ABSLI Wealth Infinia, you can choose to invest your premiums in one of the five investment strategies.

1. Systematic Transfer Investment Option is an option for individuals who would like to eliminate the need to time one’s investments in the market.

2. Return Optimiser Investment Option is an option for individuals who would like to have optimal participation in the capital markets while safeguarding their returns from any market related volatilities.

3. Self-Managed Investment Option is an option for individuals who would like to have complete control over their investment.

4. Smart Investment Option is an option for individuals who would like to take care of ever-changing financial needs as per their increasing age.

5. Life Cycle Investment Option is an option for individuals who would like to create an ideal balance between equity and debt, based on their age.

*Risk commences from the policy issue date.
For further product details, please refer the product brochure.
Disclaimer:
Deutsche Bank AG, India is a corporate agent of Aditya Birla Sun Life Insurance Company Limited under IRDAI Registration no. CA0020.
Registered Address: Deutsche Bank AG, Deutsche Bank House, Hazarimal Somani Marg, Fort, Mumbai 400001, India. Participation by the Bank's clients in insurance products is purely on a voluntary basis.

The Trade Logo “Aditya Birla Capital” Displayed Above Is Owned By ADITYA BIRLA MANAGEMENT CORPORATION PRIVATE LIMITED (Trademark Owner) And Used By ADITYA BIRLA SUN LIFE INSURANCE COMPANY LIMITED (ABSLI) under the License.

This is a unit-linked non-participating individual life insurance savings plan. This policy is underwritten by Aditya Birla Sun Life Insurance Company Limited (ABSLI). Aditya Birla Sun Life Insurance and ABSLI Wealth Infinia are only the names of the Company and Policy respectively and do not in any way indicate their quality, future prospects or returns. The name of the funds offered in this plan does not in any indicate their quality, future prospects or returns. The value of the fund reflects the value of the underlying investments. These investments are subject to market risks and change in fundamentals such as tax rates etc affecting the investment portfolio. Please know the associated risks and the applicable charges, from your Insurance agent or the Intermediary policy document. The premium paid in unit linked life insurance policies are subject to investment risk associated with capital markets and the unit price of the units may go up or down based on the performance of fund and factors influencing the capital market and the policyholder is responsible for his/her decisions. GST and any other applicable taxes levied as per extant tax laws shall be deducted from the premium or from the allotted units as applicable. An extra premium may be charged as per our then existing underwriting guidelines for substandard lives, smokers or people having hazardous occupations etc. Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factors. The Past performance of the Unit linked fund(s) of the company is not necessarily indicative of the future performance of any of these Unit linked fund(s). Tax benefits may be available as per prevailing tax laws. For more details and clarification call your ABSLI Insurance Advisor or visit our website and see how we can help in making your dreams come true. Please read the Product Brochure for detailed description on the benefits mentioned above. For more details on risk factors, terms and conditions please read sales brochure carefully before concluding the sale Aditya Birla Sun Life Insurance Company Limited Registered Office: One World Centre Tower 1, 16th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai - 400013. IRDAI Reg No.109. Toll Free No. 1-800-270-7000. Website: www.lifeinsurance.adityabirlacapital.com. CIN: U99999MH2000PLC128110 UIN: 109L129V01 ADV/6/21-22/363

Beware of Spurious / Fraud phone calls!
IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.

A non-participating unit linked insurance plan.
Have you often wondered about an investment plan, which provides financial protection for your family and earns good returns for you? Presenting Aditya Birla Sun Life Insurance Wealth Max Plan - a single premium unit linked life insurance plan.

Aditya Birla Sun Life Insurance Wealth Max Plan

Key Features:

• Pay once and reap the benefits of financial growth
• Flexibility to add top-ups whenever you have additional savings
• Flexibility of partial withdrawals to meet any emergency fund requirements
• Tax benefits under Section 80C and Section 10(10D) of the Income Tax Act, 1961⁽¹⁾

¹Tax benefits are subject to changes in tax laws. Please consult your tax advisor for more details.

Plan at glance

Investment Options:

Systematic Transfer Option
This option safeguards your wealth against the market volatilities and averages out the risks associated with the equity market.

Self-Managed Option
Under this option, you get access to ABSLI’s well established suite of 16 segregated funds and complete control in how to invest your premiums.

Guaranteed Addition:
This will be added to your policy in the form of additional units.

• From 6th to 10th policy anniversary - Guaranteed Addition is 0.25% of the average Policy Fund Value in the last 12 months
• From 11th policy anniversary and every year thereafter - Guaranteed Addition is 0.60% of the average Policy Fund Value in the last 12 months

Death benefit:

In the unfortunate event if the life insured dies while the policy is in effect, ABSLI will pay to the nominee the higher of:

• Basic Fund Value as on date of intimation of death; or
• Basic Sum Assured

In addition ABSLI will also pay the higher of:

• Top-up Fund Value as on date of intimation of death; or
• Top-up Sum Assured

At all times, if the policy has not been discontinued, the Death benefit shall never be less than 105% of basic premiums plus top-up premiums paid up to the date of death

Surrender Benefit:
In case of emergencies, you can surrender your policy to ABSLI anytime during the policy term. Any such surrender will be treated as mentioned in Policy Discontinuance section in brochure.

Maturity Benefit:
You will receive the Basic Fund Value plus the Top-Up Fund Value as of that date at the end of the Policy Term.

Policy Charges:
The charges under this plan are Premium Allocation Charge, Fund Management Charge, Policy Administration Charge and Mortality Charge.

For more details on these charges, please refer to ABSLI Wealth Max product brochure.

Disclaimer:
Deutsche Bank AG, India is a corporate agent of Aditya Birla Sun Life Insurance Company Limited under IRDAI Registration no. CA0020.
Registered Address: Deutsche Bank AG, Deutsche Bank House, Hazarimal Somani Marg, Fort, Mumbai 400001, India. Participation by the Bank's clients in insurance products is purely on a voluntary basis.
This policy is underwritten by Aditya Birla Sun Life Insurance Company Limited (ABSLI). This is a non-participating unit linked life insurance savings plan. Aditya Birla Sun Life Insurance and ABSLI Wealth Max Plan are only the names of the Company and Policy respectively and do not in any way indicate their quality, future prospects or returns. The name of the funds offered in this plan does not in any way indicate their quality, future prospects or returns. The charges are guaranteed throughout the term of the policy unless specifically mentioned and subject to IRDAI approval. The value of the segregated fund reflects the value of the underlying investments. These investments are subject to market risks and change in fundamentals such as tax rates etc affecting the investment portfolio. Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factors. The premium paid in Unit Linked Life Insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of the fund and factors' influencing the capital market and the insured is responsible for his or her decision. Please know the associated risks and the applicable charges, from your Insurance agent or the Intermediary or policy document. The various funds offered under this contract are the names of the funds and do not any way indicate the quality of these plans, their future prospects and returns. The Past performance of the Unit linked fund(s) of the company is not necessarily indicative of the future performance of any of these Unit linked fund(s). For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding the sale. There is no guarantee or assurance of returns above the guaranteed returns from the segregated funds. GST and any other applicable taxes levied as per extant tax laws shall be deducted from the premium or from the allotted units as applicable. An extra premium may be charged as per our then existing underwriting guidelines for substandard lives. For further details please refer to the policy contract. Tax benefits are subject to changes in the tax laws. For more details and clarification call your ABSLI Insurance Advisor or visit our website and see how we can help in making your dreams come true. Insurance is the subject matter of solicitation. Aditya Birla Sun Life Insurance Company Limited (Formerly Birla Sun Life Insurance Company Limited) Registered Office: One Indiabulls Centre Tower 1, 16th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai - 400013.  Website:www.lifeinsurance.adityabirlacapital.com  CIN: U99999MH2000PLC128110 UIN: 109L073V05 ADV/9/20-21/1214

Beware of Spurious / Fraud phone calls!
IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.

In this policy, investment risk in investment portfolio is borne by the policyholder.
Linked Insurance Products do not offer any liquidity during the first five years of the contract. The policyholder will not be able to withdraw / surrender the monies invested in Linked Insurance Products completely or partially till the end of the fifth year from inception.

Aditya Birla Sun Life Insurance Wealth Aspire Plan

A unit linked life insurance plan
You’ve worked hard to give your family the best of everything. You are always willing to walk that extra mile to ensure that their aspirations and dreams are provided for and that they lead a comfortable life, both today, as well as in the years to come.
ABSLI Wealth Aspire Plan recognizes the importance of such needs and helps you fulfil your goals by offering to empower you with a plan that helps in wealth creation as well as provides protection to you.

Benefits:

• Flexibility to choose from 2 plan options to suit your aspirations
• Flexibility to choose from a wide range of policy terms
• Flexibility to choose from a wide range of premium paying terms
• Flexibility to choose from 4 investment options to suit your investment needs
• Flexibility to add top-ups whenever you have additional savings
• Flexibility of partial withdrawals to meet any emergency fund requirements

Illustration¹:

¹For life insured age of 35 years at the time of purchasing the policy with policy term 30 years and premium paying term 10 years with Plan option selected as Classic and investment option as Self-managed with maximiser 100%.

²The above values are illustrative and not guaranteed and they are not upper or lower limits of what on get back, as the values of policy depends on numbers of factors including investment performance. Additional benefits are available at additional cost. Premium rates are exclusive of GST.

Details:

*Risk commences from the first policy anniversary.
For more details on the benefits, terms and conditions please refer to the brochure.

Know more

Buy now

Deutsche Bank AG, India is a corporate agent of Aditya Birla Sun Life Insurance Company Limited under IRDAI Registration no. CA0020.
Registered Address: Deutsche Bank AG, Deutsche Bank House, Hazarimal Somani Marg, Fort, Mumbai 400001, India. Participation by the Bank's clients in insurance products is purely on a voluntary basis.
2Some benefits are guaranteed and some benefits are variable with bonuses based on the future performance of the participating business and economic conditions.
This policy is underwritten by Aditya Birla Sun Life Insurance Company Limited (ABSLI). This is a non-participating unit linked life insurance plan. Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factors. The premium paid in Unit Linked Life Insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors' influencing the capital market and the insured is responsible for his or her decision. Aditya Birla Sun Life Insurance Company Limited (ABSLI) is only the name of the Insurance Company and ABSLI Wealth Aspire Plan is only name of the unit linked life insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns. Please know the associated risks and the applicable charges, from your Insurance agent or the Intermediary or policy document. The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns. For more details on risk factors, terms and conditions please read sales brochure carefully before concluding the sale. Aditya Birla Sun Life Insurance Company Limited (Formerly Birla Sun Life Insurance Company Limited) Registered Office: One Indiabulls Centre Tower 1, 16th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai - 400013. Website: www.lifeinsurance.adityabirlacapital.com  and toll-free no. 1800-270-7000. IRDAI reg no.109 CIN:U99999MH2000PLC128110 UIN:109L100V05 ADV/1/19-20/1646

Beware of Spurious / Fraud phone calls!
IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.

¹For life insured age of 35 years at the time of purchasing the policy with policy term 30 years and premium paying term 10 years with Plan option selected as Classic and investment option as Self-managed.

²The above values are illustrative and not guaranteed and they are not upper or lower limits of what on get back, as the values of policy depends on numbers of factors including investment performance. Additional benefits are available at additional cost. Premium rates are exclusive of GST.

*Risk commences from the first policy anniversary.
³Policy term of 15 years is not available to entry ages below 3 years.

For more details on the benefits, terms and conditions please refer to the brochure.

Know more

Buy now

Deutsche Bank AG, India is a corporate agent of Aditya Birla Sun Life Insurance Company Limited under IRDAI Registration no. CA0020.
Registered Address: Deutsche Bank AG, Deutsche Bank House, Hazarimal Somani Marg, Fort, Mumbai 400001, India. Participation by the Bank's clients in insurance products is purely on a voluntary basis.
This policy is underwritten by Aditya Birla Sun Life Insurance Company Limited (ABSLI). This is a unit linked life insurance plan. Aditya Birla Sun Life Insurance Company Limited is only the name of the Insurance Company and ABSLI Wealth Assure Plus is only name of the unit linked life insurance contract and funds and does not in any way indicate the quality of the contract, its future prospects or returns. The name of the funds offered in this plan does not in any way indicate their quality, future prospects or returns. The premium paid in unit linked life insurance policies are subject to investment risk associated with capital markets and the unit price of the units may go up or down based on the performance of investment fund and factors influencing the capital market and the insured is responsible for his / her decisions. Please know the associated risks and the applicable charges, from your Insurance agent or the Intermediary or policy document. The Past performance of the Unit linked fund(s) of the company is not necessarily indicative of the future performance of any of these Unit linked fund(s). There is no guarantee or assurance of returns above the guaranteed returns from the investment funds. GST levied as per extant tax laws shall be deducted from the premium or from the allotted units as applicable. For more details on the risk factors, terms and conditions please read the sales brochure carefully before concluding the sale. Aditya Birla Sun Life Insurance Company Limited (Formerly Birla Sun Life Insurance Company Limited) Registered Office: One Indiabulls Centre Tower 1, 16th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai - 400013. IRDAI Reg. No. 109. Website: www.lifeinsurance.adityabirlacapital.com and toll-free no. 1800-270-7000. IRDAI Reg No.109 CIN: U99999MH2000PLC128110 UIN: 109L120V02 ADV/1/19-20/1647

Beware of Spurious / Fraud phone calls!
IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.

In this policy, investment risk in the investment portfolio is borne by the policyholder.
Linked Insurance Products do not offer any liquidity during the first five years of the contract. The policyholder will not be able to withdraw / surrender the monies invested in Linked Insurance Products completely or partially till the end of the fifth year from inception.

Aditya Birla Sun Life Insurance Wealth Secure Plan

A unit linked life insurance plan
In order to build a better life and realise your dreams, you always need to plan ahead. That’s why you need a savings plan that helps you attain you goals with your changing life stage and can be customised to match your needs while giving you peace of mind.
Introducing ABSLI Wealth Secure Plan that combines long term savings and whole life coverage specially designed for you to focus on your goals and maximise savings for your future.

Key Features:

• Pay premiums for a limited term and get life cover for whole life
• Flexibility to add top-ups whenever you have additional savings
• Flexibility to choose from 3 investment options to suit your investment needs
• Flexibility of partial withdrawals to meet any emergency fund requirements
• Tax benefits¹ under section 80C and section 10(10D) of the Income Tax Act, 1961

¹Tax benefits are subject to changes as per tax laws

Illustration²:

²For life insured age of 35 years at the time of purchasing the policy and premium paying term 10 years with investment option as Self-managed.

³The above values are illustrative and not guaranteed and they are not upper or lower limits of what on get back, as the values of policy depends on numbers of factors including investment performance. Additional benefits are available at additional cost. Premium rates are exclusive of GST.

Details:

*Risk commences from the first policy anniversary.

For more details on the benefits, terms and conditions please refer to the brochure.

Know more

Buy now

Deutsche Bank AG, India is a corporate agent of Aditya Birla Sun Life Insurance Company Limited under IRDAI Registration no. CA0020.
Registered Address: Deutsche Bank AG, Deutsche Bank House, Hazarimal Somani Marg, Fort, Mumbai 400001, India. Participation by the Bank's clients in insurance products is purely on a voluntary basis.
3Some benefits are guaranteed, and some benefits are variable with bonuses based on the future performance of the participating business and economic conditions.
This policy is underwritten by Aditya Birla Sun Life Insurance Company Limited (ABSLI). This is a non-participating unit linked life insurance plan. Unit linked Life Insurance products are different from the traditional insurance products and are subject to risk factors. For details on benefits, terms and conditions please refer the brochure. Aditya Birla Sun Life Insurance and ABSLI Wealth Secure Plan are only the names of the Company and Policy respectively and do not in any way indicate their quality, future prospects or returns. The name of the funds offered in this plan does not in any way indicate their quality, future prospector returns. In this plan, the investment risk in the investment funds chosen by you is borne by you. Investment funds are subject to investment risks and unit prices may go up or down reflecting the market value of the underlying assets. Past performance is no guarantee of future results. The charges are guaranteed throughout the term of the policy unless specifically mentioned and subject to IRDAI approval. The value of the investment fund reflects the value of the underlying investments. These investments are subject to market risks and change in fundamentals such as tax rates, etc affecting the investment portfolio. The premium paid in unit linked life insurance policies are subject to investment risk associated with capital markets and the unit price of the units may go up or down based on the performance of investment fund and factors influencing the capital market and the policyholder is responsible for his / her decisions. There is no guarantee or assurance of returns above the guaranteed returns from the investment funds. GST and any other applicable taxes levied as per extant tax laws shall be deducted from the premium or from the allotted units as applicable. For more details on risk factors, terms and conditions please refer to the sales brochure carefully before concluding the sale. Tax benefits are subject to changes in the tax laws. For more details and clarification call your ABSLI Insurance Advisor or visit our website and see how we can help in making your dreams come true. Please know the associated risks and the applicable charges, from your Insurance agent or the Intermediary or policy document. Aditya Birla Sun Life Insurance Company Limited (Formerly Birla Sun Life Insurance Company Limited) Registered Office: One Indiabulls Centre Tower 1, 16th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai - 400013. Website: https://lifeinsurance.adityabirlacapital.com/ and toll-free no. 1800-270-7000. IRDAI reg no.109 CIN: U99999MH2000PLC128110 UIN: 109L074V05 ADV/1/19-20/1641

Beware of Spurious / Fraud phone calls!
IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.

In this policy, investment risk in the investment portfolio is borne by the policyholder.
Linked Insurance Products do not offer any liquidity during the first five years of the contract. The policyholder will not be able to withdraw / surrender the monies invested in Linked Insurance Products completely or partially till the end of the fifth year from inception.

Aditya Birla Sun Life Insurance Fortune Elite Plan

A unit linked life insurance plan
Over the years, you have achieved success and accumulated wealth. Your priority now is to ensure your wealth and assets remain protected for your future generations, while you enjoy the lifestyle you have worked hard to attain. Specially designed to cater to your financial and estate planning goals, ABSLI Fortune Elite is unit-linked plan that provides insurance coverage and the opportunity of wealth preservation and enhancement.

Key Features:

• Flexibility to choose policy term of 10 | 20 | 25 | 30 | 35 | 40 years
• Flexibility to choose premium paying terms of 5 | 10 | 15 | 20 years
• Flexibility to choose from 3 investment options to suit your investment needs
• Flexibility to add top-ups whenever you have additional savings
• Flexibility of partial withdrawals to meet any emergency fund requirements
• Tax benefits¹ under section 80C and section 10(10D) of the Income Tax Act, 1961
  
  

¹Tax benefits are subject to changes in tax laws. Please consult your tax advisor for more details.

Illustration²:

²For life insured age of 35 years at the time of purchasing the policy with policy term 30 years and premium paying term 10 years with maximiser 100% and investment option as Self-managed.

³The benefit amount indicated is a non-guaranteed illustrative figure and is subject to policy terms and conditions. The returns indicated at 4% and 8% are illustrative and not guaranteed and do not indicate the upper or lower limits of returns under the policy.

Details:

*Risk commences from the first policy anniversary.
**For age at entry between 56 to 65 years (both inclusive), the minimum premium paying term will be 10 years

For more details on the benefits, terms and conditions please refer to the brochure.

Know more

Buy now

Deutsche Bank AG, India is a corporate agent of Aditya Birla Sun Life Insurance Company Limited under IRDAI Registration no. CA0020.
Registered Address: Deutsche Bank AG, Deutsche Bank House, Hazarimal Somani Marg, Fort, Mumbai 400001, India. Participation by the Bank's clients in insurance products is purely on a voluntary basis.
3Some benefits are guaranteed, and some benefits are variable with bonuses based on the future performance of the participating business and economic conditions.
This policy is underwritten by Aditya Birla Sun Life Insurance Company Limited (ABSLI). This is a non-participating unit linked life insurance plan. Aditya Birla Sun Life Insurance and ABSLI Fortune Elite Plan are only the names of the Company and Policy respectively and do not in any way indicate their quality, future prospects or returns. Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factors. The premium paid in Unit Linked Life Insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors' influencing the capital market and the insured is responsible for his or her decision. Please know the associated risks and the applicable charges, from your Insurance agent or the Intermediary or policy document. The various funds offered under this contract are the names of the funds and do not any ways indicate the quality of these plans, their future prospects and returns. The name of the funds offered in this plan does not in any indicate their quality, future prospects or returns. The charges are guaranteed throughout the term of the policy unless specifically mentioned and subject to IRDAI approval. Aditya Birla Sun Life Insurance Company Limited (formerly Birla Sun Life Insurance Company Limited) Registered Office: One Indiabulls Centre Tower 1, 16th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai - 400013. Website: www.lifeinsurance.adityabirlacapital.com and toll-free no. 1800-270-7000. Registration No.109 CIN: U99999MH2000PLC128110 UIN: 109L090V04 ADV/1/19-20/1639

Beware of Spurious / Fraud phone calls!
IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.

Aditya Birla Sun Life Insurance Monthly Income Plan

A unit linked life insurance plan
Aditya Birla Sun Life Insurance Monthly Income Plan fulfils your need to plan ahead of time for your family’s growing needs in the present while providing for their future.
This product has been designed as a participating non-linked life insurance plan, providing regular monthly income until maturity to meet your financial requirements and hence, providing financial security for your family, today as well as in the years to come.

Benefits:

• Comprehensive financial protection for your family depending on your choice of Sum Assured
• Monthly Income Benefit to take care of your recurring needs
• Option to postpone your monthly incomes by choosing a Deferment Period to suit your requirements
• Choice of Level and Increasing Income Benefit Options to suit your needs
• Inbuilt Accidental Death Benefit
• Option to increase your protection through Riders at an additional cost
• Bonuses to augment your savings

Illustration¹:

¹For life insured age of 35 years at the time of purchasing the policy with policy term 30 years and premium paying term 10 years with income benefit option A chosen. Additional benefits are available at additional cost. Premium rates are exclusive of GST.

²The above values are illustrative and for a healthy male. The assumed rates of return 4% or 8% are not guaranteed and they are not the upper or lower limits of what one might get back as the value of the policy is dependent on a number of factors including future investment performance. The maturity benefit at 4% is nil.

Details:

For more details on the benefits, terms and conditions please refer to the brochure.

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Deutsche Bank AG, India is a corporate agent of Aditya Birla Sun Life Insurance Company Limited under IRDAI Registration no. CA0020.
Registered Address: Deutsche Bank AG, Deutsche Bank House, Hazarimal Somani Marg, Fort, Mumbai 400001, India. Participation by the Bank's clients in insurance products is purely on a voluntary basis.
*Some benefits are guaranteed and some benefits are variable with bonuses based on the future performance of the participating business and economic conditions. If your policy offers guaranteed returns, then these will be clearly marked “guaranteed” in the illustration table on this page.
This policy is underwritten by Aditya Birla Sun Life Insurance Company Limited (ABSLI). This is a participating non-linked life insurance plan. All terms & conditions are guaranteed throughout the policy term, except for the bonuses which would be declared at the end of each financial year. Goods and Service Tax (GST) and any other applicable taxes will be added (extra) to your premium and levied as per extant tax laws. An extra premium may be charged as per our then existing underwriting guidelines for sub-standard lives, smokers or people having hazardous occupations etc. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding the sale. Tax benefits are subject to changes in the tax laws. For more details and clarification call your ABSLI Insurance Advisor or visit our website and see how we can help in making your dreams come true. Aditya Birla Sun Life Insurance Company Limited (Formerly Birla Sun Life Insurance Company Limited) Reg. Office: One Indiabulls Centre Tower 1, 16th Floor, Jupiter Mill Compound, 841 Senapati Bapat Marg, Elphinstone Road, Mumbai - 400013. IRDAI Reg No. 109 Call Centre: 1-800-270-7000 
https://lifeinsurance.adityabirlacapital.com/   CIN: U99999MH2000PLC128110 UIN: 109N122V02 ADV/1/19-20/1499

Beware of Spurious / Fraud phone calls!
IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.

Aditya Birla Sun Life Insurance Vision LifeIncome Plan

A traditional participating whole life insurance plan
As a responsible individual, you try and plan for all the important life stages, all the important milestones in your life. And in every effort of this process we wish we could have an extra stream of income that manages to fund for these glorious moments of one’s life.
Well, they say nothing is impossible and all it requires is careful planning. ABSLI Vision LifeIncome Plan help you to plan better to achieve your financial goals. It gives you survival benefits payable every year from the end of the premium paying term till maturity and life insurance benefit, this plan offers a perfect blend of income and financial protection of your family.

Key Features:

• Income for life: 5% of the Sum Assured guaranteed plus bonus every¬ year after the Premium Paying Term
• Safety for your loved ones: Comprehensive financial protection of your family with whole life cover to age 100
  
  

Illustration¹:

¹For life insured age of 35 years at the time of purchasing the policy with policy term 65 years and premium paying term 10 years.

²The above values are illustrative and not guaranteed and they are not upper or lower limits of what on get back, as the values of policy depends on numbers of factors including investment performance. Additional benefits are available at additional cost. Premium rates are exclusive of GST.

Details:

*Risk commences from the first policy anniversary

For more details on the benefits, terms and conditions please refer to the brochure.

Know more

Buy now

Deutsche Bank AG, India is a corporate agent of Aditya Birla Sun Life Insurance Company Limited under IRDAI Registration no. CA0020.
Registered Address: Deutsche Bank AG, Deutsche Bank House, Hazarimal Somani Marg, Fort, Mumbai 400001, India. Participation by the Bank's clients in insurance products is purely on a voluntary basis.
2Some benefits are guaranteed and some benefits are variable with bonuses based on the future performance of the participating business and economic conditions.
This policy is underwritten by Aditya Birla Sun Life Insurance Company Limited (ABSLI). This is a traditional participating endowment plan. All terms and conditions are guaranteed throughout the policy term, except for the bonuses which would be declared at the end of each financial year. GST and any other applicable taxes will be added (extra) to your premium and levied as per extant tax laws. An extra premium may be charged as per our then existing underwriting guidelines for substandard lives, smokers or people having hazardous occupations, etc. Tax benefits are subject to changes in the tax laws. You are advised to consult your tax advisor for details. The regular bonus rate declared by ABSLI may vary from year to year and will depend on the actual experience regarding various factors and the prevailing economic conditions. Future bonuses are however not guaranteed and will depend upon the future profits of the participating business. ABSLI will declare simple reversionary bonuses regularly at the end of each financial year and those will be accrued in the policy on its policy anniversary, surrender or on death. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding the sales. For more details and clarification, call your ABSLI Insurance Advisor or visit our website and see how we can help in making your dreams come true. Aditya Birla Sun Life Insurance Company Limited (Formerly Birla Sun Life Insurance Company Limited) Registered Office: One Indiabulls Centre Tower 1, 16th Floor, Jupiter Mill Compound, 841 Senapati Bapat Marg, Elphinstone Road, Mumbai - 400013. IRDAI Reg No.109. Call Centre: 1-800-270-7000 www.adityabirlasunlifeinsurance.com CIN: U99999MH2000PLC128110 UIN: 109N079V05 ADV/1/19-20/1645

Beware of Spurious / Fraud phone calls!
IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.

Aditya Birla Sun Life Insurance Vision Endowment Plus Plan

A traditional participating life insurance plan
In our life when there is so much uncertainty around us, there’s nothing more reassuring than knowing that not only is your money safe, but also that you will get more than what you have invested. With the return of premium along with accrued bonuses on maturity and protecting your family’s financial security, this plan offers you the best of both worlds.
So, by investing in ABSLI Vision Endowment Plus Plan, your investment can go a long way in building a safe and financially sound future for your family, today as well as in the years to come.

Benefits:

• Growth in your savings: Augment your savings by accrued regular bonuses starting from the first policy year.
• Safety for your loved ones: Comprehensive financial protection of your family which can be enhanced by choosing death benefit Option A or B

Illustration¹:

¹For life insured age of 35 years at the time of purchasing the policy with policy term 20 years and premium paying term 20 years and Death Benefit option A selected.

²The above values are illustrative and not guaranteed and they are not upper or lower limits of what on get back, as the values of policy depends on numbers of factors including investment performance. Additional benefits are available at additional cost. Premium rates are exclusive of GST.

Details:

*Risk commences from the first policy anniversary

For more details on the benefits, terms and conditions please refer to the brochure.

Know more

Buy now

Deutsche Bank AG, India is a corporate agent of Aditya Birla Sun Life Insurance Company Limited under IRDAI Registration no. CA0020.
Registered Address: Deutsche Bank AG, Deutsche Bank House, Hazarimal Somani Marg, Fort, Mumbai 400001, India. Participation by the Bank's clients in insurance products is purely on a voluntary basis.
2Some benefits are guaranteed and some benefits are variable with bonuses based on the future performance of the participating business and economic conditions.
This policy is underwritten by Aditya Birla Sun Life Insurance Company Limited (ABSLI). This is a traditional participating endowment plan. All terms & conditions are guaranteed throughout the policy term, except for the bonuses which would be declared at the end of each financial year. GST and any other applicable taxes will be added (extra) to your premium and levied as per extant tax laws. An extra premium may be charged as per our then existing underwriting guidelines for substandard lives, smokers or people having hazardous occupations etc. The insurance cover for the life insured (including minors) will commence on the policy issue date. For details on risk factors, terms and conditions, please read the sales brochure carefully before concluding the sale. Tax benefits are subject to changes in the tax laws. Aditya Birla Sun Life Insurance Company Limited (Formerly Birla Sun Life Insurance Company Limited) Registered Office: One Indiabulls Centre Tower 1, 16th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai - 400013. Website: www.lifeinsurance.adityabirlacapital.com and toll-free no. 1800-270-7000. IRDAI reg no.109 CIN: U99999MH2000PLC128110 UIN: 109N092V04 ADV/1/19-20/1643

Beware of Spurious / Fraud phone calls!
IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.

Aditya Birla Sun Life Insurance Vision LifeSecure Plan

A traditional participating whole life insurance plan
To overcome the challenges in life and achieve your goals, you need to be well prepared. You need to have something to rely on when life doesn’t go according to plan.
ABSLI Vision LifeSecure plan is designed to provide long term financial security for you and your family. With the flexibility to decide your policy term, you can enjoy life protection up to age 100 and steady growth to your savings over time so that you can relax and enjoy your life with complete peace of mind.

Benefits:

• Growth in your savings: Augment your savings by accrued regular bonuses starting from the first policy year.
• Safety for your loved ones: Comprehensive financial protection to you and your family up to age 100

Illustration¹:

¹For life insured age of 35 years at the time of purchasing the policy with policy term 30 years and premium paying term 30 years.

²The above values are illustrative and not guaranteed and they are not upper or lower limits of what on get back, as the values of policy depends on numbers of factors including investment performance. Additional benefits are available at additional cost. Premium rates are exclusive of GST.

Details:

*Risk commences from the first policy anniversary

For more details on the benefits, terms and conditions please refer to the brochure.

Know more

Buy now

Deutsche Bank AG, India is a corporate agent of Aditya Birla Sun Life Insurance Company Limited under IRDAI Registration no. CA0020.
Registered Address: Deutsche Bank AG, Deutsche Bank House, Hazarimal Somani Marg, Fort, Mumbai 400001, India. Participation by the Bank's clients in insurance products is purely on a voluntary basis.
This policy is underwritten by Aditya Birla Sun Life Insurance Company Limited (ABSLI). This is a traditional participating whole life insurance plan. All terms and conditions are guaranteed throughout the policy term, except for the bonuses which would be declared at the end of each financial year. GST and any other applicable taxes will be added (extra) to your premium and levied as per extant tax laws. An extra premium may be charged as per our then existing underwriting guidelines for substandard lives, smokers or people having hazardous occupations etc. Some benefits are guaranteed, and some benefits are variable with bonuses based on the future performance of the participating business and economic conditions. If your policy offers guaranteed returns then these will be clearly marked "guaranteed" in the illustration table. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding the sale. Tax benefits are subject to changes in the tax laws. Aditya Birla Sun Life Insurance Company Limited (Formerly Birla Sun Life Insurance Company Limited) Registered Office: One Indiabulls Centre, Tower 1, 16th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai - 400 013. IRDAI reg no.109 CIN: U99999MH2000PLC128110. Website: www.lifeinsurance.adityabirlacapital.com and toll-free no. 1800-270-7000. UIN: 109N087V04 ADV/1/19-20/1644

Beware of Spurious / Fraud phone calls!
IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.

Aditya Birla Sun Life Insurance SecurePlus Plan

As you move forward in life, financial requirements pertaining to the wellbeing of you and your family becomes a major catalyst in your life. You want to provide the best of everything to your loved ones. However, in these turbulent times of economic instability, there is a risk of your income not keeping pace with your needs and goals. In such times a second guaranteed income proves to be bliss. ABSLI SecurePlus Plan recognizes the importance of such needs and helps you fulfil them by offering you a second income which ensures your peace of mind.

Benefits of Aditya Birla Sun Life Insurance SecurePlus Plan  

Guaranteed* Income: Get regular flow of guaranteed income for your chosen Benefit Payout Period to safeguard your savings

Loyalty Additions: Loyalty Additions as an additional boost to your Income Benefit pay-out.

Commutation Option: Flexibility to receive a discounted value of future survival benefits as a lump sum based on your needs.

Customizable Benefits: Option to enhance your insurance cover through riders, which are available at a nominal extra cost.

*Provided all due premiums are paid.

Product Specification and Eligibility

Type of Plan
A Non-Linked Non-Participating Individual Life Insurance Savings Plan

Coverage
All Individuals (Male | Female | Transgender)

Age of the Life Insured at Entry (age as on last birthday)
Minimum: 1** year
**In case the Life Insured is a minor, the Policy will automatically vest once the life insured attains the age of majority. The risk coverage for the minors will start from the policy issue date.

Maximum: 60 years

Maturity Age of the Life Insured (age as on last birthday)
Minimum: 18 years
Maximum: 77 years

Premium Payment Term (PPT), Policy Term (PT) and Benefit Payout Period

Note:-
1. The PPT and PT once chosen at policy inception, cannot be changed thereafter.
2. The Benefit Payout Period commences after the end of the Policy Term, during which the Survival Benefit is payable to the Policyholder. It is chosen at policy inception and cannot be changed thereafte

 Premium Payment Frequency and Modal Factors
 Annual | Semi-Annual | Quarterly | Monthly

Minimum Annualized Premium
₹ 50,000

Maximum Annualized Premium
No Limit (subject to Board Approved Underwriting Policy)

Minimum Sum Assured
₹3,50,000

Maximum Sum Assured
No Limit (subject to Board Approved Underwriting Policy)

Death Benefit 
In case of death of the Life Insured anytime during the Policy Term, provided the Policy is in-force and not under Lapsed or Reduced Paid Up mode, we will pay the “Sum Assured on Death” to your nominee/beneficiary:

"Sum Assured on Death” is defined as higher of:

150% of Total Premiums paid till the date of death
Sum Assured

The nominee/beneficiary will have an option to receive the Death Benefit in annual/monthly installments payable at the end of the year/month instead of a lump-sum, over a period of 5 years.

Survival Benefit 

On surviving till the end of Policy Term, Income Benefit is payable to you for 6, 8, 10 or 12 years at the end of the period (monthly, quarterly, half yearly or annually) as per the Benefit Payout Frequency chosen.

Income Benefit:
Income Benefit, expressed as a percentage of Annualized Premium, will be paid to you, which varies by your Age at entry, Premium amount, Premium Payment Term and Benefit Payout Period.

Loyalty Addition:
We will enhance your Income Benefit every year during the Benefit Payout Period by adding a Loyalty Addition, provided all premiums have been paid during the Premium Paying Term. Please Note: Loyalty Addition is applicable only for policies that have paid all the due premiums under the policy.

Benefit Payout Frequency:
At policy inception, you will have the option to receive the Income Benefit in annual or semi-annual or quarterly or monthly frequency.

Maturity Benefit
At the end of the Policy Term, You will have the flexibility to use the commutation option wherein, at any time on or after end of the Policy Term, if you would like to get a lump sum instead of the Income Benefits, the commuted value of the outstanding benefits shall be paid as a lump sum.

This lump sum will be at least equal to the Total Premiums Paid less Survival Benefit, if any, already paid. The commutation option can also be exercised by the Nominee/legal heir after the death of the Policyholder.

Disclaimer:
Deutsche Bank AG, India is a corporate agent of Aditya Birla Sun Life Insurance Company Limited under IRDAI Registration no. CA0020.Registered Address: Deutsche Bank AG, Deutsche Bank House, Hazarimal Somani Marg, Fort, Mumbai 400001, India. Participation by the Bank's clients in insurance products is purely on a voluntary basis.
The Trade Logo “Aditya Birla Capital” Displayed Above Is Owned By ADITYA BIRLA MANAGEMENT CORPORATION PRIVATE LIMITED (Trademark Owner) And Used By ADITYA BIRLA SUN LIFE INSURANCE COMPANY LIMITED (ABSLI) under the License.
This is a non-linked non-participating individual life insurance saving plan. This policy is underwritten by Aditya Birla Sun Life Insurance Company Limited (ABSLI). GST and any other applicable taxes will be added (extra) to Your premium and levied as per extant tax laws. An extra premium may be charged as per our then existing underwriting guidelines for substandard lives, smokers or people having hazardous occupations etc. This product shall also be available for sales through online channel. Tax benefits may be available as per prevailing tax laws. For more details and clarification call Your ABSLI Insurance Advisor or visit our website and see how we can help in making Your dreams come true. All policy benefits are subject to policy being in force. “We”, “Us”, “Our” or “the Company” or “ABSLI” means Aditya Birla Sun Life Insurance Company Limited. “You/you” or “Your/your” means the Policyholder. Policyholder and Life Insured can be different under this product. In all situations, it is ensured that the Policyholder has an insurable interest in the Life Insured. For other terms and conditions, request your Agent Advisor or intermediaries for giving a detailed presentation of the product before concluding the sale. Should you need any further information from us, please contact us on the below mentioned address and numbers. For more details on risk factor terms and conditions, please read sales brochure before concluding the sale. Aditya Birla Sun Life Insurance Company Limited Registered Office: One World Centre, Tower 1, 16th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai - 400 013. 1-800-270-7000 Website: https://lifeinsurance.adityabirlacapital.com  IRDAI Reg No.109 CIN: U99999MH2000PLC128110 UIN: 109N102V08  ADV/7/23-24/956
Beware of Spurious / Fraud phone calls!IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.

Aditya Birla Sun Life Insurance Assured Income Plus 

You continuously work towards planning Your finances to ensure security and stability of your family even in Your absence. In today's world, having an adequate life insurance cover along with an assured long-term income to keep pace with Your family's changing needs works as a much-needed financial cushion. Introducing ABSLI Assured Income Plus, a non-linked non-participating individual savings life insurance plan, that provides the benefit of life insurance cover along with a regular income for 20, 25 or 30 years to ensure fulfilment of Your family’s long-term goals and aspirations.

Key Features 
Long-Term Income: Get guaranteed regular income for a period of 20, 25 or 30 years to ensure fulfilment of your recurring needs in the long term

Two Benefit Options: Flexibility to choose between two benefit options i.e. a) Income only Benefit or b) Income with Lumpsum Benefit– in line with Your financial needs
Loyalty Additions: Loyalty Additions as an additional boost to the Income Benefit pay-out.
Guaranteed* Lumpsum Benefit: Guaranteed Lumpsum Benefit, if applicable, shall be payable at the end of the benefit payout period, to boost your savings
Commutation Option: Flexibility to receive a discounted value of future survival benefits as a lump sum based on your needs
Customizable Benefits: Option to enhance your insurance cover with appropriate riders.

Death Benefit 
In the unfortunate event of Death of the Life Insured anytime during the policy term, provided the Policy is in-force, Sum Assured on Death shall be payable as a lump-sum to the nominee. The policy covers death under all situations (including death during declared or undeclared war, civil commotion, invasion, terrorism, hostilities) except death due to suicide as specified in the suicide clause

Sum Assured on Death is defined as higher of: 

a) 10 times of Annualized Premium 
b) 150% of Total Premiums paid till the date of death
c) Sum Assured

Where, - ‘Annualized Premium’ means premium amount payable during a Policy Year, excluding underwriting extra premiums, loadings for modal premiums, rider premiums, discounts, and applicable taxes, cesses and levies, if any.

‘Total Premiums Paid’ means total of all the premiums received, excluding underwriting extra premium, rider premiums, discounts and applicable taxes, cesses and levies, if any. – 

‘Sum Assured’ is equal to a fixed multiple (depending upon Life Insured’s entry age at inception of the Policy


Survival Benefit 

This lump sum will be at least equal to the Sum Assured on Death less any instalments already paid. On surviving till the end of policy term, Income Benefit is payable to you for 20, 25 or 30 years at the end of the period (monthly, quarterly, half yearly or annually) as per the Benefit Payout Frequency chosen.

 The Survival Benefit applicable for both the Benefit Options is explained below:

 1. Income Only Benefit Option: Income Benefit, expressed as a percentage of Annualized Premium, will be paid to you which varies by Your age at entry, premium amount, premium payment term and benefit payout period. Income Benefit (as a percentage of Annualized Premium) paid annually has been given in Annexure I.

 2. Income with Lumpsum Benefit: Income Benefit, expressed as a percentage of Annualized Premium, will be paid to you, which varies by Your age at entry, premium amount, premium payment term and benefit payout period. Income Benefit (as a percentage of Annualized Premium) paid annually has been given in Annexure For details on benefits, terms and conditions please refer the brochure.

*Provided all due premium are paid

Disclaimer:
Deutsche Bank AG, India is a corporate agent of Aditya Birla Sun Life Insurance Company Limited under IRDAI Registration no. CA0020.Registered Address: Deutsche Bank AG, Deutsche Bank House, Hazarimal Somani Marg, Fort, Mumbai 400001, India. Participation by the Bank's clients in insurance products is purely on a voluntary basis.
The Trade Logo “Aditya Birla Capital” Displayed Above Is Owned By ADITYA BIRLA MANAGEMENT CORPORATION PRIVATE LIMITED (Trademark Owner) And Used By ADITYA BIRLA SUN LIFE INSURANCE COMPANY LIMITED (ABSLI) under the License.
This is a non-linked non-participating individual savings life insurance plan. This policy is underwritten by Aditya Birla Sun Life Insurance Company Limited (ABSLI). GST and any other applicable taxes will be added (extra) to Your premium and levied as per extant tax laws. An extra premium may be charged as per our then existing underwriting guidelines for substandard lives, smokers or people having hazardous occupations etc. This product shall also be available for sales through online channel. Tax benefits may be available as per prevailing tax laws. For more details and clarification call Your ABSLI Insurance Advisor or visit our website and see how we can help in making Your dreams come true. All policy benefits are subject to policy being in force. “We”, “Us”, “Our” or “the Company” or “ABSLI” means Aditya Birla Sun Life Insurance Company Limited. “You/you” or “Your/your” means the Policyholder. Policyholder and Life Insured can be different under this product. In all situations, it is ensured that the Policyholder has an insurable interest in the Life Insured. For other terms and conditions, request your Agent Advisor or intermediaries for giving a detailed presentation of the product before concluding the sale. Should you need any further information from us, please contact us on the below mentioned address and numbers. 

Aditya Birla Sun Life Insurance Company Limited Registered Office: One World Centre, Tower 1, 16th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai - 400 013. 1-800-270-7000
Website: https://lifeinsurance.adityabirlacapital.com  IRDAI Reg No.109 CIN: U99999MH2000PLC128110 UIN: 109N127V11 ADV/7/23-24/953

BEWARE OF SPURIOUS / FRAUD PHONE CALLS!
IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.

Aditya Birla Sun Life Insurance Assured Saving Plan 

Life is all about achieving your dreams without the fear of uncertainties. Dreams are essential as they provide the motivation and determination for succeeding in life. With a disciplined approach and adequate life insurance cover, all your dreams can become a reality. So, wouldn’t it be great if you get a cushion of guarantee to fulfil your dreams? Yes! with ABSLI Assured Savings Plan, you can create a cushion of guarantee for all your dreams. ABSLI Assured Savings Plan provides life insurance cover and savings benefits to safeguard your family members from financial crisis in case of an unfortunate event, while helping you accumulate lumpsum benefits to achieve all your dreams.

Key Features 

Guaranteed*  Maturity Benefit: Lumpsum benefits to cater to your life’s milestones, worry free.
Loyalty Additions: Loyalty Additions are added to your policy to boost your maturity corpus, provided all due premiums have been paid.
Boost for your maturity corpus: Get higher maturity benefit with higher premium paying policies.
Financial Security for your loved ones: Get comprehensive risk cover in case of death of life insured.
Joint Life Protection Option: Cover your Spouse in the same policy through Joint Life Protection option.
Flexibility: Choice of various Premium Payment Terms, Policy Terms and Sum Assured Multiples to suit your requirements.
Enhance your Protection: Avail additional risk cover through Riders on payment of additional premium.
*Provided all due premiums are paid.

Product Specification & Eligibility 

Type of Plan
A Non-Linked Non-Participating Individual Savings Life Insurance Plan

Coverage
All Individuals (Male | Female | Transgender)

Benefit Option
Lumpsum Payout at Policy Maturity

Minimum Annualized Premium
Single Pay: Rs.100,000

5 Pay : Rs 20000
6-12 Pay: Rs.30,000

Maximum Annualized Premium
No Limit (subject to Board Approved Underwriting Policy)

Age of the Life Insured at Entry (Age as on last birthday)

Minimum
Single Life: 30 days**
Joint Life: 18 years

**In case the Life Insured is a minor, the Policy will automatically vest in favour of Life Insured after attainment of majority of the Life Insured. For policies issued on minor life, the date of commencement of risk shall be the date of commencement of the policy.

Maximum
Single Life: 65 years
Joint Life: 50 years
Single Pay Option B: 50 years

Maturity Age of the Life Insured (Age as on last birthday)

Minimum
18 years

Maximum
85 years
Single Pay Option B: 70 years

Death Benefits 
In the event of death of the Life Insured during the Policy Term and provided that the Policy is In-force, the Death Benefit will be payable to the Nominee(s)/ Legal heir(s). Nomination can only be effected if the Policyholder and Life Insured are the same. We will pay a lump sum guaranteed “Death Benefit” which shall be, if:

1) Death of the Life Insured happens any time up to the 25th Policy Year,

 Sum Assured on Death; plus 
Accrued Loyalty Additions (if any)

2) Death of the Life Insured happens any time after the 25th Policy Year,

 Higher of Sum Assured on Death or Guaranteed Maturity Benefit; plus

Accrued Loyalty Additions (if any) 

Where, The Sum Assured on death is: 
For Single Pay policies:
Sum Assured For Limited Pay policies: Higher of, 
150% of the Total Premiums Paid up to the date of death Sum Assured

Disclaimer:

Deutsche Bank AG, India is a corporate agent of Aditya Birla Sun Life Insurance Company Limited under IRDAI Registration no. CA0020.Registered Address: Deutsche Bank AG, Deutsche Bank House, Hazarimal Somani Marg, Fort, Mumbai 400001, India. Participation by the Bank's clients in insurance products is purely on a voluntary basis.
The Trade Logo “Aditya Birla Capital” Displayed Above Is Owned By ADITYA BIRLA MANAGEMENT CORPORATION PRIVATE LIMITED (Trademark Owner) And Used By ADITYA BIRLA SUN LIFE INSURANCE COMPANY LIMITED (ABSLI) under the License.This is a non-linked non-participating individual savings life insurance plan. This policy is underwritten by Aditya Birla Sun Life Insurance Company Limited (ABSLI). GST and any other applicable taxes will be added (extra) to Your premium and levied as per extant tax laws. An extra premium may be charged as per our then existing underwriting guidelines for substandard lives, smokers or people having hazardous occupations etc. This product shall also be available for sales through online channel. Tax benefits may be available as per prevailing tax laws. For more details and clarification call Your ABSLI Insurance Advisor or visit our website and see how we can help in making Your dreams come true. All policy benefits are subject to policy being in force. “We”, “Us”, “Our” or “the Company” or “ABSLI” means Aditya Birla Sun Life Insurance Company Limited. “You/you” or “Your/your” means the Policyholder. Policyholder and Life Insured can be different under this product. In all situations, it is ensured that the Policyholder has an insurable interest in the Life Insured. For other terms and conditions, request your Agent Advisor or intermediaries for giving a detailed presentation of the product before concluding the sale. Should you need any further information from us, please contact us on the below mentioned address and numbers. For more details on risk factor terms and conditions, please read sales brochure before concluding the sale.

Aditya Birla Sun Life Insurance Company Limited Registered Office: One World Centre, Tower 1, 16th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai - 400 013. 1-800-270-7000
Website: https://lifeinsurance.adityabirlacapital.com IRDAI Reg No.109 CIN: U99999MH2000PLC128110 UIN: 109N134V07 ADV/7/23-24/955

Beware of Spurious / Fraud phone calls!IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.

Aditya Birla Sun Life Insurance Nishchit Aayush Plan  

Your Goals are the key drivers of why you work hard in life. Be it supporting Your child’s education, taking care of Your dependent parents, maintaining Your lifestyle, you strive hard to accomplish all these goals. These expenses must happen; hence, a regular stream of income is essential for peace of mind. However, the demands of every¬day life or an eventuality may derail you from the path of Your goals. 
To be able to meet these responsibilities, you need a reliable product that provides life insurance coverage, guaranteed stream of income and lumpsum benefits to safeguard Your family from any setback. 
Introducing the ABSLI Nishchit Aayush Plan, a non-linked non-participating individual savings life insurance plan that provides life insurance cover with guaranteed regular income and lumpsum benefits, empowering you to fulfil Your goals and financially secure Your family even in Your absence. 

Key Features 

Choice of Benefit Option: Long Term Income or Whole Life Income
Choice of Income Variant: Level or Increasing Income
Guaranteed* Income: As per chosen income payout frequency till the end of policy term
Guaranteed* Lump sum Benefit: At maturity of the policy
Flexibility: To build your own plan with choice of income benefit, income variant, premium payment term, policy term and deferment period
Get Assured Protection: Protection with life cover across policy term

*Provided all due premiums are paid.

Death Benefit 
In the unfortunate event of Death of the Life Insured anytime during the Policy Term, provided the policy is in-force, Death Benefit shall be payable as a lump-sum to the nominee

Death Benefit is defined as higher of:

a) Sum Assured on Death
b) Surrender Benefit

Where,
‘Sum Assured on Death’ is higher of
Sum Assured
105% of Total Premiums Paid till date of death
Sum Assured is equal to 10 times the Annualized Premium.

For more details, refer sales brochure.

Survival Benefit 
On Survival of life insured, provided all due premiums have been paid, Survival Benefit in the form of Guaranteed Income will be paid at the end of each year starting from the first policy year (if ‘0 Year’ deferment is chosen) until Policy Maturity.

For more details, refer sales brochure.

Maturity Benefit

On survival of life insured till the end of policy term, Guaranteed Lump sum Benefit (GLB) is payable. Guaranteed Lump sum Benefit is equal to Total Premiums Paid by You multiplied by the applicable Lump sum Factor. The lump sum Factor varies by Benefit Option, Income Variant, Premium Payment Term, and Policy Term

For more details, refer sales brochure

Disclaimer:
Deutsche Bank AG, India is a corporate agent of Aditya Birla Sun Life Insurance Company Limited under IRDAI Registration no. CA0020.Registered Address: Deutsche Bank AG, Deutsche Bank House, Hazarimal Somani Marg, Fort, Mumbai 400001, India. Participation by the Bank's clients in insurance products is purely on a voluntary basis.The Trade Logo “Aditya Birla Capital” Displayed Above Is Owned By ADITYA BIRLA MANAGEMENT CORPORATION PRIVATE LIMITED (Trademark Owner) And Used By ADITYA BIRLA SUN LIFE INSURANCE COMPANY LIMITED (ABSLI) under the License.This is a non-linked non-participating individual savings life insurance plan. This policy is underwritten by Aditya Birla Sun Life Insurance Company Limited (ABSLI). GST and any other applicable taxes will be added (extra) to Your premium and levied as per extant tax laws. An extra premium may be charged as per our then existing underwriting guidelines for substandard lives, smokers or people having hazardous occupations etc. This product shall also be available for sales through online channel. Tax benefits may be available as per prevailing tax laws. For more details and clarification call Your ABSLI Insurance Advisor or visit our website and see how we can help in making Your dreams come true. All policy benefits are subject to policy being in force. “We”, “Us”, “Our” or “the Company” or “ABSLI” means Aditya Birla Sun Life Insurance Company Limited. “You/you” or “Your/your” means the Policyholder. Policyholder and Life Insured can be different under this product. In all situations, it is ensured that the Policyholder has an insurable interest in the Life Insured. For other terms and conditions, request your Agent Advisor or intermediaries for giving a detailed presentation of the product before concluding the sale. Should you need any further information from us, please contact us on the below mentioned address and numbers. For more details on risk factor terms and conditions, please read sales brochure before concluding the sale.Aditya Birla Sun Life Insurance Company Limited Registered Office: One World Centre, Tower 1, 16th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai - 400 013. 1-800-270-7000 Website:  https://lifeinsurance.adityabirlacapital.com/ IRDAI Reg No.109 CIN: U99999MH2000PLC128110 UIN: 109N137V04 ADV/8/23-24/1587

Beware of Spurious / Fraud phone calls!IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.

Financial independence comes from regular steady source of income which will enable you to enjoy your dream retirement life. Introducing ABSLI Guaranteed Annuity Plus, a non-linked, non-participating, general annuity plan, that provides you various annuity options providing guaranteed income for life and helps you and your family lead a worry-free retirement life.

Key Features 

Guaranteed# lifelong income: Annuity once purchased is guaranteed for life.

Option to receive annuity payments as long as you or your partner are alive : You have the option to choose a single life or a joint life annuity

Retirement planning made easier: You can opt to invest today to build a guaranteed lifetime income stream for tomorrow. With the deferred annuity option, you have the choice to plan early for your retirement and lock annuity rates at present for a guaranteed life-long payment.

Wide range of annuity options: Choose from various annuity options to suit your financial needs.

Wide range of accumulation periods: Choose the accumulation period ranging from 5 years to 15 years, depending upon your needs and requirements under Limited Pay Option.

Option to increase your annuity: You can increase your annuity through Top-up option.

Choice of annuity pay out frequency: You may choose to receive annuity pay-outs monthly, quarterly, half-yearly or yearly as per your need and requirement.

# Provided all due premiums are paid

Survival Benefit
Annuity is payable as long as the annuitant is alive in Single Life/Joint Life Plan. Annuitant can choose level or increasing option. Read the policy brochure for detailed benefits.
Death Benefit
On death of the annuitant the annuity will be paid to the nominee, till the end of the annuity certain period, depending on the plan option. Read the policy brochure for detailed benefits.
Surrender Benefit
The amount of annuity received when you surrender the policy before the end of policy term. The benefit is not applicable under Option1, Option 2, Option 3 and Option 4. However, the benefit under different plans varies depending on the option selected. Read the policy brochure for detailed benefits.

Disclaimer:
Deutsche Bank AG, India is a corporate agent of Aditya Birla Sun Life Insurance Company Limited under IRDAI Registration no. CA0020.Registered Address: Deutsche Bank AG, Deutsche Bank House, Hazarimal Somani Marg, Fort, Mumbai 400001, India. Participation by the Bank's clients in insurance products is purely on a voluntary basis.
The Trade Logo “Aditya Birla Capital” Displayed Above Is Owned By ADITYA BIRLA MANAGEMENT CORPORATION PRIVATE LIMITED (Trademark Owner) And Used By ADITYA BIRLA SUN LIFE INSURANCE COMPANY LIMITED (ABSLI) under the License.
This is a non-linked, non-participating, general annuity plan. This Policy is underwritten by Aditya Birla Sun Life Insurance Company Limited (ABSLI). GST and any other applicable taxes will be added (extra) to Your premium/purchase price and levied as per extant tax laws. All the benefits are payable subject to the terms and conditions of the Policy. This product shall also be available for sales through online channel. All policy benefits are subject to policy being in force. “We”, “Us”, “Our” or “the Company” or “ABSLI” means Aditya Birla Sun Life Insurance Company Limited. “You” or “Your” means the Policyholder. For other terms and conditions, request your Agent Advisor or intermediaries for giving a detailed presentation of the product before concluding the sale. Should you need any further information from us, please contact us on the below mentioned address and numbers. For more details on risk factors, terms and conditions please read sales brochure carefully before concluding the sale. Aditya Birla Sun Life Insurance Company Limited. Registered Office: One World Center, Tower 1, 16th Floor, Jupiter Mill Compound, 841 Senapati Bapat Marg, Elphinstone Road, Mumbai - 400013. IRDAI Reg No.109 Call Centre: 1-800-270-7000 https://lifeinsurance.adityabirlacapital.com CIN: U99999MH2000PLC128110 UIN: 109N132V07 ADV/7/23-24/1361
 BEWARE OF SPURIOUS / FRAUD PHONE CALLS! IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint. 

Everyone in their life wants to look after the well-being of one’s family members. You strive hard to earn and fulfil every dream of your loved ones under all circumstances. In today’s world, given the unpredictable circumstances, you want to ensure that your family’s financial future is protected, and their dreams are secured. Presenting ABSLI Guaranteed Milestone Plan which recognises that guaranteeing your family’s happiness is of paramount importance to you and helps you fulfil your responsibilities even in your absence.

• Fully guaranteed* benefits on death or maturity. 
• Guaranteed Additions that boost your corpus year on year. 
• Option to cover your spouse by choosing Joint Life Protection by paying an additional  
• Tax Benefits# under Section 80C, 80D & Section 10(10D) of the Income Tax Act 1961

*Provided all due premiums are paid.#

Tax benefits are subject to changes in tax laws. You are advised to consult your tax advisor for details.

Death Benefit - For Single Life
 In case of the unfortunate demise of the life insured during the policy term, the Sum Assured on Death will be paid to the nominee in 10 equal annual instalments. Sum Assured on Death will be highest of: 

•  Sum Assured as an absolute amount to be paid on death; or  
•  105% of the Total Premiums Paid up to the date of death; or  
•  10 times of the Annualized Premium 

“Total Premiums Paid” means total of all the premiums received, excluding any extra premium, any rider premium and taxes. 

For Joint Life

Under this option, two lives i.e. you (primary  life insured) and your spouse (secondary  life insured) are covered under the same policy and also jointly own the policy. The sum assured applicable for your spouse shall be equal to 20% of your applicable sum assured. You can opt for this option at the inception of the policy subject to the attained age of primary  life insured & secondary  life insured is less than or equal to 50 years. No rider can be opted under this option and this option cannot be discontinued except due to the unfortunate demise of either of the lives who are insured. 

Unfortunate death of the primary life insured prior to the secondary life insured: 

• Death benefit shall be paid in annual instalments to the spouse (secondary life insured) and the same can be opted as lump sum payment as explained above  
• Secondary  life insured will become the sole policyholder and receive the maturity benefit. 
  Life cover for the secondary life insured will continue without any future premiums to be paid. 
•  On subsequent death of the secondary life insured during the policy term the applicable death benefit shall be paid to the nominee as a lump sum. On maturity date the maturity benefit shall be paid to the nominee. 

Unfortunate death of the secondary  life insured prior to the prima  life insured. 

• Applicable death benefit shall be paid immediately to the primary  life insured as a lumpsum 
• Primary  life insured will become the sole policyholder. Policy will continue with all benefits (including the insurance cover on primary  life insured) with premiums to be paid when due. Maturity benefit shall be paid to the primary  life insured on maturity date. 
• On subsequent death of the primary  life insured during the policy term, the applicable death benefit shall be paid to the nominee in annual instalments and the same can be opted as lump sum payment as explained above. On maturity date the maturity benefit shall be paid to the nominee 

Unfortunate death of both the primary and secondary life insured together.

• Applicable death benefit for the respective lives insured shall be paid to the nominee – annual instalments for the death benefit of primary  life insured and lumpsum for the death benefit of secondary insured respectively 
• Policy will continue without any future premiums to be paid and on maturity date the maturity benefit shall be paid to the nominee of Death Benefit in equal Annual/ Monthly instalments over a period of 5 years from the date of death of Life Insured, instead of a Lumpsum pay-out. Once the Instalment mode has been opted by the nominee (s)/ Legal heir(s) at the time of benefit payment, it cannot be changed later on.

Refer to product brochure for further details. 

Maturity Benefit
 In the event the life insured survives to the end of the policy term, ABSLI shall pay to you .

• Sum Assured on maturity; plus 
• Accrued Guaranteed Additions 

Sum Assured on maturity is the amount which is guaranteed to become payable on maturity of the policy, in accordance with the terms and conditions of the policy and is equal to total premiums payable under the policy, excluding any extra premium, any rider premium and taxes. 

Refer to product brochure for further details.

Guaranteed Additions 

Guaranteed Additions will accrue on monthly basis to the policy on each policy month till maturity; provided all due premiums have been paid and shall be payable in event of death of life insured or policy maturity whichever is earlier. Guaranteed Additions per annum shall be determined based on the premium amount you commit to pay, premium band, sum assured, the entry  Age of the life insured, Joint Life Protection option and policy term chosen. In case of Joint Life Protection option, the Guaranteed Additions shall accrue on the sum assured applicable for the prima  life insured and shall be payable on policy maturity. Please ask your financial advisor for an illustration of the Guaranteed Additions applicable to your policy or refer to your policy contract for

Disclaimer:
Deutsche Bank AG, India is a corporate agent of Aditya Birla Sun Life Insurance Company Limited under IRDAI Registration no. CA0020.Registered Address: Deutsche Bank AG, Deutsche Bank House, Hazarimal Somani Marg, Fort, Mumbai 400001, India. Participation by the Bank's clients in insurance products is purely on a voluntary basis.
The Trade Logo “Aditya Birla Capital” Displayed Above Is Owned By ADITYA BIRLA MANAGEMENT CORPORATION PRIVATE LIMITED (Trademark Owner) And Used By ADITYA BIRLA SUN LIFE INSURANCE COMPANY LIMITED (ABSLI) under the License.
This is a non-linked non-participating individual savings life insurance plan. This policy is underwritten by Aditya Birla Sun Life Insurance Company Limited (ABSLI). GST and any other applicable taxes will be added (extra) to Your premium and levied as per extant tax laws. An extra premium may be charged as per our then existing underwriting guidelines for substandard lives, smokers or people having hazardous occupations etc. This product shall also be available for sales through online channel. Tax benefits may be available as per prevailing tax laws. For more details and clarification call Your ABSLI Insurance Advisor or visit our website and see how we can help in making Your dreams come true. All policy benefits are subject to policy being in force. “We”, “Us”, “Our” or “the Company” or “ABSLI” means Aditya Birla Sun Life Insurance Company Limited. “You/you” or “Your/your” means the Policyholder. Policyholder and Life Insured can be different under this product. In all situations, it is ensured that the Policyholder has an insurable interest in the Life Insured. For other terms and conditions, request your Agent Advisor or intermediaries for giving a detailed presentation of the product before concluding the sale. Should you need any further information from us, please contact us on the below mentioned address and numbers. For more details on risk factor terms and conditions, please read sales brochure before concluding the sale. Aditya Birla Sun Life Insurance Company Limited Registered Office: One World Centre, Tower 1, 16th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai - 400 013. 1-800-270-7000 Website: https://lifeinsurance.adityabirlacapital.com IRDAI Reg No.109 CIN: U99999MH2000PLC128110 UIN: 109N106V11  ADV/7/23-24/1360

BEWARE OF SPURIOUS / FRAUD PHONE CALLS! IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.  

A traditional non - participating health insurance plan

The word cancer can strike fear into anybody's mind. Simply because this life-threatening disease not only adversely impacts the body but also puts one's financial health under tremendous strain. With rapidly changing lifestyles, the risk of cancer is growing at an alarming rate in India. And the best way to fight cancer is to prepare for it. Like all the uncertainties in life now you can plan for cancer at every stage with Aditya Birla Sun Life Insurance Cancer Shield Plan. It's a promise that we will always be by your side.

Key Features:

• Covers all stages of Cancer i.e. Early Stage of Cancer and Major Stage of Cancer
• Option to choose level or increasing cover
• Option to receive monthly income for 5 policy years on diagnosis of Major Stage of Cancer
• Waiver of premium for 5 years on diagnosis of Early Stage of Cancer
• Tax Benefits as per Section 80D of the Income Tax Act, 1961 as per current tax laws¹

¹Tax benefits are subject to changes in tax laws. Please consult your tax advisor for more details

Illustration

*Premium rates are exclusive of GST.

Plan at glance

Policy Benefit:
Early Stage of Cancer - On diagnosis of Early Stage of Cancer, 30% of the Sum Assured on Illness will be paid.
Major Stage of Cancer - At the Major Stage of Cancer, 100% of the Sum Assured on Illness less any previously paid claim for Early Stage of Cancer under the policy will be paid.

Sum Assured on Illness is the highest of:
10 times the Annualized premium; or
105% of Total Premiums Paid till the date of a valid claim; or
Effective Sum Assured

The only illness covered under this plan is Cancer.
Annualized Premium is the premium amount payable in a year chosen by the policyholder, excluding the taxes, rider premiums, underwriting extra premiums and loadings for modal premiums, if any.
Total Premiums Paid means total of all the premiums received, excluding any extra premium, any rider premium and taxes

Premium Waiver benefit:
Once a claim under the Early Stage of Cancer Benefit is approved, all future premium payments for the policy will be waived for lower of 5 years or remaining policy term, starting from the next premium due date following the date of diagnosis of the Early Stage Cancer. The coverage for Major Stage of Cancer under the policy will continue until the policy terminates. This benefit will be effective, once the investigations relating to the Early Stage of Cancer are completed and the diagnosis of cancer is confirmed.

Income benefit Option:
You will have an option to choose this benefit at policy inception only and once chosen cannot be opted out. Under the Income Benefit Option, a monthly income equivalent to 1% of the Sum Assured on Illness would be paid out once a claim for Major Stage Cancer has been admitted. This monthly income benefit will be payable for a fixed period of next 5 years even beyond the policy expiry date. In case of death of the policyholder, nominee will continue to receive the income benefit.

Please refer to the ABSLI Cancer Shield Plan product brochure for more details.

Deutsche Bank AG, India is a corporate agent of Aditya Birla Sun Life Insurance Company Limited under IRDAI Registration no. CA0020.
Registered Address: Deutsche Bank AG, Deutsche Bank House, Hazarimal Somani Marg, Fort, Mumbai 400001, India. Participation by the Bank's clients in insurance products is purely on a voluntary basis.
This policy is underwritten by Aditya Birla Sun Life Insurance Company Limited (ABSLI). This is a traditional non-participating health insurance plan. All terms & conditions are guaranteed throughout the policy term. GST and any other applicable taxes will be added (extra) to your premium and levied as per extant tax laws. This leaflet contains only the salient features of the plan. For more details on risk factors, terms & conditions, please refer to the sales brochure before concluding the sale. For exclusion, please read the sales brochure. Tax benefits are subject to changes in the tax laws. For more details and clarification call your ABSLI Insurance Advisor or visit our website and see how we can help in making your dreams come true. Aditya Birla Sun Life Insurance Company Limited (Formerly Birla Sun Life Insurance Company Limited) Registered Office: One Indiabulls Centre Tower 1, 16th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai - 400013. Call Centre: 1-800-270-7000 www.adityabirlasunlifeinsurance.com Reg. No. 109 | CIN: U99999MH2000PLC128110.UIN: 109N103V02 ADV/9/20-21/1211

Beware of Spurious / Fraud phone calls!
IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.

You are a successful achiever and strive to give the best of the world to your family. Your endeavour is to provide comfort, security and happiness to your loved ones. However, when it comes to planning for unforeseen circumstances, you need a solution that would secure your family’s future and ensure they lead a comfortable life devoid of any financial worries. Aditya Birla Sun Life Insurance has come up with an apt protection solution for you - ABSLI DigiShield Plan, so that your family stays protected, even when you are not around.

The following Plan Options are available under this plan to suit your needs:

Plan Option 1: Level Cover Option
Plan Option 2 Increasing Cover Option 
Plan Option 3 Sum Assured Reduction Option 
Plan Option 4 Whole Life Option (Level Cover) 
Plan Option 5 Whole Life Option (Sum Assured Reduction Cover)
 Plan Option 6 Income Benefit 
Plan Option 7 Level Cover plus Income Benefit 
Plan Option 8 Low Cover Option 
Plan Option 9 Level Cover with Survival Benefit Plan Option 10 Return of Premium (ROP)

You shall choose one Plan Option at the inception of the Policy. The option once selected cannot be changed later. Premium payable will varry depending upon the Option chosen.

Key Features

• 10 Plan Options to suit your varied protection needs. 
• Availability of life insurance cover for 1 year or till age 100 years providing comprehensive financial support.
• Flexible death benefit playout options - as a lump sum, monthly income, or a combination of both

• Option to avail Survival Benefit as Monthly Income on attaining age 60 to ensure a worry-free retired life.

• Return of Premium (ROP) option along with life insurance cover to secure your savings.

• Inbuilt Terminal Illness Benefit.

• Accelerated Critical Illness (ACI) Benefit option covering 42 specified Critical Illnesses, on payment of additional premium.

• Option to cover your Spouse under the same Policy with Joint Life Protection

• Enhance your insurance with appropriate rider options, on payment of additional premium.

Death Benefit 
In case of unfortunate demise of the Life Insured during the Policy Term, Death Benefit will be paid to the Nominee(s)/legal heir(s)/assignee as per the Plan Option.

For Plan Option 1, or 2 or 3 or 4 or 5 or 8 or 9 or 10: Death Benefit will be the Sum Assured on Death payable in lump sum.

For Plan Option 6: Death Benefit will be payable in monthly instalments as 1.25% of Sum Assured during the Income Benefit Term. The first payment will become due on the first Policy month anniversary on or aer the date of death. If Policyholder has chosen Increasing Monthly Income the monthly instalments will increase by 5% simple each year throughout the Income Benefit Term. Any excess amount of Sum Assured on Death over the Effective Sum Assured, will be paid in lump sum, immediately on death of Life Insured.

For Plan Option 7: Death Benefit will be payable as Sum Assured in lump sum paid immediately plus Level monthly income paid over 10 years as 0.5% x Sum Assured, commencing from the first Policy month anniversary on or aer the date of death. Any excess amount of Sum Assured on Death over the Effective Sum Assured, will be paid in lump sum, immediately on death of Life Insured.

Read sales Brochure for more detailed Information.

Terminal Illness Benefit
In case you are diagnosed with a Terminal Illness during the Policy Term, up to an age of 80 years, provided the Policy is in-force, 50% of the applicable Sum Assured on Death, subject to a maximum of Rs2 Crore, will be paid immediately as a lump sum and future due premiums shall be waived off. On subsequent death of the Life Insured during the Policy Term, the Sum Assured on Death shall be reduced by the amount of Terminal Illness Benefit already paid.

Maturity –  
 There is no Maturity Benefit payable for Plan Options 1, 2, 3, 4, 5, 6, 7, 8 and 9. If Plan Option 10 has been chosen, the Total Premiums Paid less loadings for modal premiums, if any will be payable at the end of the Policy Term.

Survival Benefit

There is no Survival Benefit payable for Plan Options 1, 2, 3, 4, 5, 6, 7, 8, and 10. If Plan Option 9 is chosen, in the event the Life Insured survives till the Policy anniversary falling after the Life Insured attains an age of 60 years, Survival Benefit of 0.12% of Sum Assured per month is paid commencing with the first Policy Month Anniversary after the event and continuing for each Policy Moth Anniversary till the end of the Policy Term or death of the Life Insured whichever is earlier.

Eligibility Criteria for ABSLI DigiShield Plan

Entry Age (age last birthday)

For Plan Option: 1|2|3|6|7|8|10: 18 to 65 years

For Plan Option: 4|5: 45 to 65 years

For Plan Option: 9: 18 to 50 years

Maximum Maturity Age

For Plan Option: 1|2|3|6|7|9|10: 85 years

For Plan Option: 4|5: 100 years

For Plan Option: 8: 69 years

Sum Assured

For Plan Option: 1|2|6|7|3|4|5|9|10

Minimum – Rs. 30 Lakh

Maximum – No Limit, subject to Board Approved Guidelines

For Plan Option: 8

Minimum – Rs. 1 Lakh

Maximum – Rs. 20 lakh

Disclaimer:
Deutsche Bank AG, India is a corporate agent of Aditya Birla Sun Life Insurance Company Limited under IRDAI Registration no. CA0020.Registered Address: Deutsche Bank AG, Deutsche Bank House, Hazarimal Somani Marg, Fort, Mumbai 400001, India. Participation by the Bank's clients in insurance products is purely on a voluntary basis.
The Trade Logo “Aditya Birla Capital” Displayed Above Is Owned By ADITYA BIRLA MANAGEMENT CORPORATION PRIVATE LIMITED (Trademark Owner) And Used By ADITYA BIRLA SUN LIFE INSURANCE COMPANY LIMITED (ABSLI) under the License.
This Policy is underwritten by Aditya Birla Sun Life Insurance Company Limited (ABSLI). This is a non-linked non-participating individual pure risk premium life insurance plan; upon Policyholder’s selection of Plan Option 9 (Level Cover with Survival Benefit) and Plan Option 10 (Return of Premium [ROP]) this product shall be a non-linked non-participating individual savings life insurance plan. All terms & conditions are guaranteed throughout the Policy Term. GST and any other applicable taxes will be added (extra) to your premium and levied as per extant tax laws. An extra premium may be charged as per our then existing underwriting guidelines for substandard lives, smokers or people having hazardous occupations etc. This leaflet contains only the salient features of the plan. For further details please refer to the Policy contract. This product shall also be available for sales through online channel. Tax benefits are subject to changes in the tax laws. For more details on risk factors, terms and conditions please read the sales brochure carefully before concluding the sales. Aditya Birla Sun Life Insurance Company Limited Registered Office: One World Centre,Tower 1, 16th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai - 400 013. 1-800-270-7000 https://lifeinsurance.adityabirlacapital.com IRDAI Reg No.109 CIN: U99999MH2000PLC128110 UIN:109N108V11   ADV/8/23-24/1371
 BEWARE OF SPURIOUS / FRAUD PHONE CALLS! IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.  

Aditya Birla Sun Life Insurance Salaried Term Plan 

ABSLI Salaried Term Plan is an exclusive comprehensive protection solution designed for Salaried individuals. It gives you the freedom to design your own plan that suits your protection needs. This plan offers the flexibility of a Lumpsum Cover & Monthly Income Cover options. Be it education, lifestyle, or day-to-day needs, this pure risk term plan is crafted to provide unwavering financial support, allowing your family to stride confidently into the future, even when you're not there!

Key Features

• Diverse array of 4 Plan Options to match your varied protection requirements.
•  Life insurance coverage spanning up to Age 70, offering holistic financial security.
• Versatile options for Death Benefit pay-outs to choose for: Lump-Sum or Monthly Income
  
•  Additional Protection with Inbuilt Terminal Illness Benefit
  
• Accelerated pay out in case life insured is diagnosed with any of the 42 specified critical illnesses by choosing Accelerated Critical Illness Benefit.
  

Benefits of ABSLI Salaried Term Plan 

A flexible term plan to suit your protection needs

       
Death Benefit

In case of unfortunate demise of the Life Insured during the Policy Term, Death Benefit will be paid to the Nominee(s)/legal heir(s)/assignee as per the Plan Option chosen (as explained in the below-mentioned section). 

For Plan Option 1 & 2: Death Benefit will be the Sum Assured on Death payable in lump sum.

Sum Assured on Death is highest of:

• 11 times the Annualized premium 
• 105% of the Total Premiums Paid as on the date of death
•  The Absolute amount assured to be paid on death

For Plan Option 3: Death benefit will be paid as Monthly Income, for chosen Income Benefit Period. Monthly Income will be 1.25% of Sum Assured during the Income Benefit Period. The first payment will become due on the first Policy monthiversary on or after the date of death. Any excess amount of Sum Assured on Death over the Effective Sum Assured to be paid on death, will be paid in lump-sum, immediately on death of Life Insured.

Sum Assured on Death is highest of:

• 11 times the Annualized premium 
•  105% of the Total Premiums Paid as on the date of death
•  The Absolute amount assured to be paid on death

For Plan Option 4: Death benefit will be paid as Monthly Income, for chosen Income Benefit Period. Monthly Income will be 1.25% of Sum Assured for the first year and thereafter the monthly Income will increase by Income Escalation Rate i.e. either by 5% or 10% p.a. simple, as chosen at inception, each year throughout the Income Benefit Period. The first payment will become due on the first Policy monthiversary on or after the date of death. Any excess amount of Sum Assured on Death over the Effective Sum Assured to be paid on death, will be paid in lump-sum, immediately on death of Life Insured

Sum Assured on Death is highest of:

• 11 times the Annualized premium 
• 105% of the Total Premiums Paid as on the date of death
• the absolute amount assured to be paid on death
• For more details, please read the product brochure

Terminal Illness Benefit

In case you are diagnosed with a Terminal Illness during the Policy Term, up to an age of 70 years, provided the Policy is in-force, 50% of the applicable Sum Assured on Death, subject to a maximum of Rs. 2 crore, will be paid immediately as a lump-sum and future due premiums shall be waived off. On subsequent death of the Life Insured during the Policy Term, the Sum Assured on Death shall be reduced by the amount of Terminal Illness Benefit already paid. Terminal Illness Benefit shall only be payable on the first diagnosis of any Terminal Illness of the Life Insured during the Policy Term. Terminal Illness Benefit is applicable for all 4 Plan Options.

Accelerated Critical Illness Benefit

If you have opted for this benefit at Policy inception, Accelerated Critical Illness (ACI) Sum Assured will be payable to you on the first diagnosis of any of the specified critical illnesses, as mentioned in the product brochure, during the ACI Benefit Cover Period, provided the Policy is in-force and meets the required ACI terms and conditions.

 Once the ACI Sum Assured is paid on the first occurrence of any of the specified critical illness during the ACI Term, the ACI benefit will terminate.Refer to product brochure for more details.

Maturity Benefit

There is no Maturity Benefit payable for Plan Options 1, 3, & 4.

If Plan Option 2 has been chosen, the Total Premiums Paid less loadings for modal premiums (if any), rider premium (if any), ACI premium (if any), discount on first year premium and applicable taxes will be payable at the end of the Policy Term. 

Commutation Benefit

At any time during the Income Benefit Period, if the nominee would like to get a lump sum instead of the Income Benefits, the commuted value of the outstanding benefits shall be paid as a lump sum. The lump sum shall be calculated as:

Lump Sum =1.25% x Sum Assured at Inception x Commutation Factor

This lump sum amount at the time of commutation will be at least equal to the Sum Assured at inception less Income Benefit already paid where the commutation factors represent the discounted value of future benefits at the time of commutation. 

Term Plan with Riders offer Added Protection

You can enhance your insurance coverage during the Policy Term by adding following riders for a nominal extra cost. 

•  ABSLI Accidental Death and Disability Rider (UIN: 109B018V03) provides 100% of Rider Sum Assured as an additional lump sum amount in case of death due to accident of Life Insured or in the event of disability due to accident. 
• ABSLI Critical Illness Rider (UIN: 109B019V03) provides lump sum on survival of 30 days from the date of diagnosis of any of the specified critical illnesses.  
• ABSLI Accidental Death Benefit Rider Plus (UIN:109B023V02) provides 100% of Rider Sum Assured as an additional lump sum amount in case of death due to accident of Life Insured. Additionally, the rider premiums collected aſter the date of Accident till date of death, shall be refunded with interest, along with death benefit payable.
•  ABSLI Waiver of Premium Rider (UIN: 109B017V03) waives off all future premiums of the base plan and the attached riders throughout the rest of the premium payment in case of diagnosis of Critical Illness or Disabity.
• You can only opt for either ABSLI Accidental Death and Disability Rider or ABSLI Accidental Death Benefit Rider Plus.
• Please refer to detailed brochures on riders, consult your financial advisor or visit our website for further details.

Plan Options

You shall choose one Plan Option at the inception of the Policy. The option once selected cannot be changed at a later date. Premium payable will vary depending upon the Option chosen.

Option 1: Life Cover
Under this option, In the unfortunate event of the death of the Life Insured, anytime during the Policy Term, the Nominee(s)/legal heir(s)/assignee will be paid Sum Assured on Death chosen at Inception in Lump Sum. provided all due premiums have been paid.

Option 2: Life Cover with ROP
Under this option, In the unfortunate event of the death of the Life Insured, anytime during the Policy Term, the Nominee(s)/legal heir(s)/assignee will be paid Sum Assured on Death chosen at inception in lump-sum, provided all due premiums have been paid.However, on survival of Life Insured till the end of the Policy term, 100% of the total premiums paid will be payable to the policyholder.

Option 3: Fixed Income Cover
Under this option, In the unfortunate event of the death of the Life Insured, anytime during the Policy Term, the Nominee(s)/legal heir(s)/assignee will be paid monthly income, equal to 1.25% of Sum Assured chosen at inception, commencing with the first policy monthiversary on or after the date of death and continuing for each policy monthiversary throughout the Income Benefit Period, during the chosen Income Benefit Period. Income Benefit Period can be 10 years, 15 years or 20 years and has to be chosen at the inception of the policy by the life insured. The Income Benefit Period cannot be changed during the term of the policy. 

Option 4: Increasing Income Cover
Under this option, In the unfortunate event of the death of the Life Insured, anytime during the Policy Term, the Nominee(s)/legal heir(s)/assignee will be paid monthly income at the end of each month; for first year it will be equal to 1.25% of Sum Assured chosen at inception, thereafter the monthly income will grow at either 5% or 10% p.a. as per Income Escalation Rate on simple interest basis. Income Benefit Period can be 10 years, 15 years or 20 years. Income Escalation has to be chosen at the inception of the policy by the Policyholder, and once chosen cannot be changed. 

Disclaimer:

Deutsche Bank AG, India is a corporate agent of Aditya Birla Sun Life Insurance Company Limited under IRDAI Registration no. CA0020.Registered Address: Deutsche Bank AG, Deutsche Bank House, Hazarimal Somani Marg, Fort, Mumbai 400001, India. Participation by the Bank's clients in insurance products is purely on a voluntary basis.The Trade Logo “Aditya Birla Capital” Displayed Above Is Owned By ADITYA BIRLA MANAGEMENT CORPORATION PRIVATE LIMITED (Trademark Owner) And Used By ADITYA BIRLA SUN LIFE INSURANCE COMPANY LIMITED (ABSLI) under the License.This Policy is underwritten by Aditya Birla Sun Life Insurance Company Limited (ABSLI). This is a non-linked non-participating individual pure risk premium life insurance plan; upon Policyholder’s selection of Plan Option 2 (Life Cover with ROP) this product shall be a non-linked non-participating individual savings life insurance plan. All terms & conditions are guaranteed throughout the Policy Term. GST and any other applicable taxes will be added (extra) to your premium and levied as per extant tax laws. An extra premium may be charged as per our then existing underwriting guidelines for substandard lives, smokers or people having hazardous occupations etc. For further details please refer to the Policy contract. This product shall also be available for sales through online channel. Tax benefits are subject to changes in the tax laws. For more details on risk factors, terms and conditions please read the sales brochure carefully before concluding the sales. Aditya Birla Sun Life Insurance Company Limited Registered Office: One World Centre,Tower 1, 16th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai - 400 013. 1-800-270-7000 https://lifeinsurance.adityabirlacapital.com IRDAI Reg No.109 CIN: U99999MH2000PLC128110 UIN:109N141V01  ADV/11/23-24/2775

 BEWARE OF SPURIOUS / FRAUD PHONE CALLS! IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.  

The wide range of innovative life insurance solutions from Aditya Birla Sun Life Insurance Company Limited also allow you to avail of the benefits under the Married Women’s Property Act.

Under Married Women's Property Act you can assign your life insurance policy in the name of the trust created for the benefit of your wife and / or children. The money set aside in this form is free from creditors, court or tax attachments (even in case of insolvency) forever, provided that the trust under Married Women's Property Act has not been effected to defraud the creditors.

Benefits of Married Women's Property Act, 1874:

• Creates a ring fence protecting the interests of your beneficiaries.
• Safeguards your family against uncertainty of future and possibility of adverse financial conditions.
• Enables you to be a ''Family First'' man and Businessman at the same time.

“Human Life Value” is that amount which ensures that the standard of living of a family is not affected even if the earning member is not there or not able to earn.

Most families are accustomed to a certain standard of living. What we often fail to realise is that this standard of living is entirely dependant on the earning member of the family. If the earning member is unable to provide for the family, it is hardly possible to maintain the same quality of life.

Use these simple thumb rules to find out.

To give you appropriate life insurance solutions, we have tied up with Aditya Birla Sun Life, a leading private life insurance company. You can avail of a range of products to suit your insurance needs.