Life insurance policy not only creates security for you and your family, but also lets you safeguard your standard of living in the later years of life.

Everyone, irrespective of age, gender, income, wealth etc. needs to be insured. Investment in insurance is required at all stages in life but the quantum of insurance changes as life progresses.

  • Young Professional: When you’re young and single you may have no financial responsibilities. However, as you grow older you will be assuming new roles and taking on larger responsibilities too. Buy a policy now while you're young and benefit from low premium rates for life. If you have any family member dependent on you for financial support then by all means you should consider life insurance.
  • Just Married: Married couples with no children need to plan ahead to ensure financial security for each other. Life insurance in such a case is an important investment. If both of you are sufficiently insured then the death of either spouse would not be financially catastrophic.
  • Married with kids: A single-income family with young children is the classic high-need situation. The family is dependent on the earning member for their total support, so insurance on that life is vital.
  • Nearing Retirement: You may have a pension and considerable assets that can generate good income after your retirement, however with suitable insurance planning you can sustain your standard of living more comfortably.

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Unit Linked Insurance Plans

ABSLI Wealth Infinia

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:

Age Gender Sum Assured (In Rs.) Policy Term Premium Paying Term Annual Premium (In Rs.) Maturity Benefit (In Rs.)2
35 Male 20,00,000 20 years 10 years 2,00,000 At 4% = Rs. 30,88,332
or
At 8% = Rs.
55,82,791

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 11th year and shall increase by 0.05% every year
  • Wealth Booster: 2% of Fund Value added every 5 year starting from end of 10th 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:

Premium Band Loyalty Additions
Band 1 Loyalty Additions is added at the end of every policy year starting from year 11. 0.10% of Fund Value shall be added every year in the form of additional units in the Fund Value as the Loyalty Addition
Band 2 Loyalty Additions is added at the end of every policy year starting from year 6. 0.20% of Fund Value shall be added every policy in the form of additional units in the Fund Value as the Loyalty Addition
Band 3 Loyalty Additions is added at the end of every policy year starting from year 6. 0.40% of Fund Value shall be added every policy in the form of additional units in the Fund Value as the Loyalty Addition

Milestone Variant: Limited Pay/ Regular Pay

Premium Band Loyalty Additions
Band 1 Loyalty Additions is added at the end of every policy year starting from year 11. 0.10% of Fund Value shall be added in the form of additional units in the Fund Value as the Loyalty Addition at the end of year 11. The Loyalty Additions increase by 0.05% every year thereafter till the end of policy term.
Band 2 Loyalty Additions is added at the end of every policy year starting from year 6. 0.10% of Fund Value shall be added in the form of additional units in the Fund Value as the Loyalty Addition at the end of year 6. The Loyalty Additions increase by 0.05% every year thereafter till the end of policy term.
Band 3 Loyalty Additions is added at the end of every policy year starting from year 6. 0.20% of Fund Value shall be added in the form of additional units in the Fund Value as the Loyalty Addition at the end of year 6. The Loyalty Additions increase by 0.05% every year thereafter till the end of policy term.

Note: Loyalty Additions will not be applicable for policies with ‘Single Pay’ as their Premium Payment Term (for both Legacy and Milestone Variants).


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.

For Single Pay (Legacy
Variant & Milestone variant)
For Limited/Regular Pay
(Milestone Variant)
For Limited Pay
(Legacy Variant)
Premium Band Wealth Boosters Premium Band Wealth Boosters Premium Band Wealth Boosters
Band 1 NA Band 1 2% Band 1 2%
Band 2 2% Band 2 3% Band 2 2%
Band 3 4% Band 3 4% Band 3 4%

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.
PRODUCT SPECIFICATIONS
Variants Legacy Variant Milestone Variant
Type of Plan A Unit-Linked Non-Participating Individual Life Insurance Savings Plan
Coverage All Individuals (Male | Female | Transgender)
Minimum Entry Age (age as on last birthday) 30 days*
Minimum Maturity Age 100 years 18 years
Maximum Entry Age (age as on last birthday) 5 Pay: 45 years 65 years
6 Pay: 55 years
7 Pay: 60 years
Other Premium Paying
Term options: 65 years
Maximum Maturity Age (age as on last birthday) 100 years 85 years
Minimum Premium Single Premium: Rs. 5,00,000
Limited Premium/ Regular Premium: Rs. 2,00,000
Maximum Premium No Limit (subject to Board Approved Underwriting Policy)
Minimum Sum Assured Single Premium: Rs. 6,25,000
Limited Pay/ Regular Pay: Rs. 14,00,000
Maximum Sum Assured No Limit (subject to Board Approved Underwriting Policy)
Premium Paying Term (PPT) Single Pay
Limited Pay: 5 to 20 years
Single Pay
Limited Pay: 5 to 12 years
Regular Pay: 10 to 30 years
Minimum Policy Term 100 years minus entry age 10 years
Maximum Policy Term 100 years minus entry age 30 years
Premium Payment Mode Annual | Semi-Annual | Quarterly | Monthly | Single
Premium Bands Band Single/Annualized Premium
Band 1 2,00,000 to 4,99,999
Band 2 5,00,000 to 24,99,999
Band 3 25,00,000 and above
Band 1 is not available under Single Premium Paying Term Option

*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.adityabirlasunlifeinsurance.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.

ABSLI Wealth Max Plan

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

Entry Age (age last birthday) 30 days2 - 70 years, subject to minimum attained age of 18 at maturity
Policy Term 5 | 10 | 15 | 20 years
Premium Paying Term Single pay
Basic Premium Minimum Rs. 100,000 for policy term 5 & 10 years
Minimum Rs. 200,000 for policy term 15 & 20 years
Basic Sum Assured 1.25 | 5 | 10 times the Basic Premium

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. 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.

ABSLI Wealth Aspire Plan

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:

Age Gender Sum Assured Policy Term Premium Paying Term Premium Paid (Per annum) May Get Maturity Benefit2
4% 8%
35 Male 10,00,000 30 10 1,00,000 1,742,807 4,729,677

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:

Classic Option Assured Option
Entry Age (age last birthday) Minimum: 30 days*
Maximum:
For 5 Pay: 50 years
For 6 Pay and 7 Pay: 55 years
For 8 Pay and above: 65 years
Minimum: 18 years
Maximum:
For 5 to 8 Pay: 45 years
For 9 Pay and above: 50 years
Maturity Age For 5 to 7 Pay: 18 to 70 years
For 8 Pay and above: 18 to 75 years
28 to 60 years
Policy Term Minimum – 10 years
Maximum – 40 years
Premium Paying Term 5 to 40 years
Policy Term Limited Pay: 10 to 50 years
Regular Pay: 5 to 50 years
Minimum Basic Premium Rs. 40000 for annual mode
Rs. 45000 for semi-annual mode
Rs. 50000 for quarterly and monthly mode
Rs. 500,000 p.a. if the age at entry is between 61 to 65 years, both inclusive.
Minimum Sum Assured Rs. 4,00,000
Top-up Premium Minimum Rs. 5,000
Death Benefit In the unfortunate event the life insured dies while the policy is in effect, ABSLI will pay to the nominee / policyholder the greater of
• Basic Fund Value as on date of intimation of death; or
• Basic Sum Assured
In addition ABSLI will also pay the greater of
• Top-up Fund Value as on date of intimation of death, if any ; or
• Top-up Sum Assured
The Basic Sum Assured will be reduced to the extent of partial withdrawals made during the two-year period immediately preceding the death of the life insured from the Basic Fund Value.
In the unfortunate event the life insured dies while the policy is in force, ABSLI shall pay immediately to the nominee the Basic Sum Assured plus Top-up Sum Assured, if any.
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.
Guaranteed Additions It will be added to your policy in the form of additional units
Customisable Benefits For added protection
• ABSLI Waiver of Premium Rider (UIN: 109C017V03)
• ABSLI Accidental Death Benefit Rider Plus (UIN:109C023V02)

*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.adityabirlasunlifeinsurance.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.

ABSLI Wealth Assure Plus Plan

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 Assure Plus Plan

A non-participating unit linked life insurance plan
You have worked hard for your money, and you should always make your money work harder for you, driving its growth in high gear.
Introducing Aditya Birla Sun Life Insurance Wealth Assure Plus, which enables your wealth to grow steadily over time, giving you and your loved ones peace of mind, and providing you a secure financial future to meet your needs at different stages of life.

Key Features:

  • A plan that offers dual benefit of life insurance protection and savings through a wide range of fund options
  • Flexibility to choose from 2 plan options to suit your aspirations
  • Option to increase protection through waiver of premium in case of critical illness or total permanent disability
  • Boost your savings through regular premiums
  • Flexibility to add top-ups whenever you have additional savings
  • Flexibility to choose between 4 investment options to suit your needs
  • Flexibility of partial withdrawals to meet any emergency fund requirements

Illustration1:


Age Gender Basic Sum Assured Policy Term Premium Paying Term Premium Paid (per annum) May Get Maturity Benefit2
4% 8%
35 Male 50,00,000 30 10 1,00,000 1,649,739 4,464,350

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.

Details:

Entry Age Classic Option
30 days* to 50 years
Assured Option
18 to 50 years
Maturity Age 18 to 75 years 33 to 65 years
Policy Term and
Premium Paying Term
Policy Term3(PT) Premium Paying Term (PPT)
15 10 15
20/25/30/35 15 10 20
Basic Premium Minimum Rs. 24,000 p.a.
Basic Sum Assured Minimum Rs. 240,000 p.a.
Top-Up Premium Minimum Rs. 5,000
Pay Mode Monthly, Quaterly, Semi-Annual and Annual
Customisable Benefits For added protection
ABSLI Accidental Death Benefit Rider Plus (UIN: 109C023V02)
ABSLI Waiver of Premium Rider (UIN: 109C017V03)
Guaranteed Additions Will be added to your policy in the form of additional units
Maturity Benefit You will receive the Basic Fund Value plus the Top-up fund Value as of that date at maturity
Death Benefit Upon the unfortunate death of the life insured during the policy term, we shall pay to the nominee
• Basic Sum Assured; plus
• Basic Fund Value as on the date of intimation of death
In addition, we shall also pay
• Top-up Sum Assured; plus
• Top-up Fund Value as on the date of intimation of death

*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.adityabirlasunlifeinsurance.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.

ABSLI Wealth Secure Plan

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:


Age Gender Sum Assured Premium Paying Term Premium Paid (per annum) May Get Maturity Benefit3
4% 8%
35 Male 10,00,000 10 1,00,000 41,81,268 44,401,335

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:

Policy Term Whole Life
Entry Age 30 days* to 65 years
Premium Paying Term (PPT) For entry ages 30 days to 44 years: 5 to 30 years
For entry ages 45 to 60 years: 8 to 30 years
For entry ages 61 to 65 years: 10 to 14 years
Maximum PPT Attained age at the end of premium paying term must be 75 years or less
Basic Premium Minimum Rs. 30,000 p.a. if paid annually or semi-annually
Minimum Rs. 60,000 p.a. if paid monthly or quarterly
Top-Up Premium Minimum Rs. 5,000
Customisable Benefits For added protection
• ABSLI Accidental Death Benefit Rider Plus (UIN:109C023V02)
• ABSLI Waiver of Premium Rider (UIN: 109C017V03)
Guaranteed Additions Will be added to your policy in the form of additional units. On 10th policy anniversary and on every 5th policy anniversary thereafter. Guaranteed Addition is 2.00% of the total basic and top-up premiums paid in the last 60 months.
In addition, on 11th policy anniversary and every policy anniversary thereafter. Guaranteed Addition is 0.20% of the average Policy Fund Value in the last 12 months
Surrender Benefit In case of emergencies, you can surrender your policy to ABSLI anytime during the policy term. Any such surrender will be treated according to the provisions as mentioned in Policy Discontinuance section.
In case of death of the life insured, if life insured is different from the proposer / policyholder, the proposer / policyholder policy-holder will receive the policy proceeds
Death Benefit In the unfortunate event the life insured dies while the policy is in effect, ABSLI will pay to the nominee the greater of
• Basic Fund Value as on date of intimation of death; or
• Basic Sum Assured
In addition, ABSLI will also pay the greater of:
• Top-up Fund Value as on date of intimation of death; or
• Top-up Sum Assured

*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: www.adityabirlasunlifeinsurance.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.

ABSLI Fortune Elite Plan

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:


Age Gender Sum Assured Policy Term Premium Paying Term Premium Paid (per annum) Maturity Benefit3
4% 8%
35 Male 1,000,000 30 10 10,00,00 1,821,626 4,913,301

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:

Entry Age 30 days* to 55 years for 5 Pay and up to 65 years for other pay terms (subject to max maturity age of 75 years)
Policy Term 10 | 20 | 25 | 30 | 35 | 40 years
Minimum Sum Assured Rs. 4,00,000
Minimum Basic Premium Rs. 40,000
Premium Paying Term 5 | 10 | 15 | 20 years**
Guaranteed Additions/span> In the form of additional units will be added to your policy:
• On 10th policy anniversary and on every 5th policy anniversary thereafter Guaranteed Addition is 2.00% of the total premiums paid in the last 60 months
• In addition, on 11th policy anniversary and every policy anniversary thereafter, Guaranteed Addition is 0.35% of the average Policy Fund Value in the last 12 months
Customisable Benefits For added protection
• ABSLI Accidental Death Benefit Rider Plus (UIN:109C023V02)
• ABSLI Waiver of Premium Rider (UIN: 109C017V03)
Guaranteed Additions Will be added to your policy in the form of additional units. On 10th policy anniversary and on every 5th policy anniversary thereafter. Guaranteed Addition is 2.00% of the total basic and top-up premiums paid in the last 60 months.
In addition, on 11th policy anniversary and every policy anniversary thereafter. Guaranteed Addition is 0.20% of the average Policy Fund Value in the last 12 months
Death Benefit In the unfortunate event the life insured dies while the policy is in effect, ABSLI will pay to the nominee the greater of:
• Basic Fund Value as on date of intimation of death; or
• Basic Sum Assured
In addition, ABSLI will also pay the greater of
• Top-up Fund Value as on date of intimation of death; or
• Top-up Sum Assured
Maturity Benefit You will receive the sum of Basic Fund Value and Top-up Fund Value at maturity.
Surrender Benefit In case of emergencies, the policy holder can surrender their policy to ABSLI anytime during the policy term. Any such surrender will be treated according to the provisions mentioned in the Policy Discontinuance section.
In case of death of the life insured, if life insured is different from the proposer / policyholder, the proposer / policyholder will receive the policy proceeds.

*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.adityabirlasunlifeinsurance.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.

Traditional Plans

ABSLI Monthly Income Plan

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:


Age Gender Sum Assured Policy Term Premium Paying Term Income Benefit Period Deferment period Premium Paid (per annum) Income Benefit Maturity Benefit2
4% 8%
35 Male 1,250,000 30 10 10 10 1,01,777 15,00,000 Nil 24,67,686

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:

Entry Age 18 years-55 years (For Premium Paying Term of 10 years)
18 years-53 years (For Premium Paying Term of 12 years)
(subject to maximum maturity age of 80 years)
Policy Term Minimum - 20 years | Maximum - 37 years
Policy Term = Premium Payment Term + Deferment
Period + Income Benefit Period
Premium Paying Term (PPT) 10 | 12 years
Minimum Sum Assured Rs. 4,00,000
Premium Frequency Monthly, Quarterly, Semi-Annual, Annual
Deferment Period Deferment Period shall start after the completion of PPT 0 | 5 | 10 years
Income Benefit Period (IBP) Income Benefit Period shall start after the completion of Deferment Period 10 | 15 | 20 years
Income Benefit Option Level | Increasing
Death Benefit In the event of death of Life Insured before the commencement of Income Benefit Period the Death Benefit will be the highest of:
• 10 times the Annualized premium*; OR
• Sum Assured + Total Income Benefit
Where Sum Assured is the absolute amount assured to be paid immediately on death and the Total Income Benefit is an undiscounted total absolute amount of income benefit payable during the income benefit period. The Income Benefit due will commence for the fixed Income Benefit Period from the date of death.
PLUS
Bonuses will continue to accrue on full Sum Assured till the end of the Income Benefit Period and total bonuses including Terminal Bonus (if any) will be paid at the end of Income Benefit Period.
Maturity Benefit In the event the Life Insured survives to the end of the policy term, the maturity benefit will be:
• Attached bonuses accrued till maturity date; plus
• Terminal bonus (if any)
Customisable Benefit For added protection:
• ABSLI Waiver of Premium Rider (UIN: 109C017V03)
• ABSLI Critical Illness Rider (UIN: 109B019V03)

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.
*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 www.adityabirlasunlifeinsurance.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.

ABSLI Income Assured Plan

Aditya Birla Sun Life Insurance Income Assured Plan

A traditional non-participating life insurance plan
As a responsible individual, you try and plan for 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 important moments of one’s life. Well, they say nothing is impossible and all it requires is careful planning.
We will help you to plan better to achieve your financial goals and realize your dreams with ABSLI Income Assured Plan. With an Assured Income Benefits payable from the end of the premium paying term till maturity and life insurance benefit, this plan offers a perfect blend of monthly income and financial protection of your family.

Benefits:

  • Assured Income: 8% of the Sum Assured per annum payable monthly in arrear starting after the premium paying term till the maturity date in option A
  • Safety for your loved ones: Comprehensive financial protection of your family with life cover
  • Tax Benefit: As per Section 80 C and 10 (10D) of the Income Tax Act, 1961
  • Guaranteed Additions will be added to policy at the beginning of each quarter after the completion of the premium payment term, until policy maturity date

Illustration1:


Age Gender Basic Sum Assured Policy Term Premium Paying Term Premium Paid (per annum) Maturity Benefit
35 Male 600,000 25 10 102,193 3,120,000

1For life insured age of 35 years at the time of purchasing the policy with policy term 25 years and premium paying term 10 years with income benefit payout. Additional benefits are available at additional cost. Premium rates are exclusive of GST.

Details:

Entry Age (Age at last birthday) 8-60 years (subject to max attained age 75 years at end of policy term)
Premium Paying Term 5 years for 15 years policy term
7 years for 17, 22 years policy term
10 years for 20, 25 years policy term
Minimum PPT Attained age at the end of Policy Term must be 18 years or more
Maximum PPT Attained age at the end of Policy term must be 75 years or less
Minimum Sum Assured Rs. 1,00,000
Premium Mode Annual, Semi-annual, Quarterly, Monthly
Death Benefit In the unfortunate event of death of the life insured during the policy term, the death benefit payable to the nominee shall be
• Sum Assured on death; plus
• Guaranteed Additions accrued to date of death;
In addition ABSLI will also pay the increased accrued Assured Income if opted for.
Sum Assured on Death is highest of:
• Sum Assured as absolute amount to be paid on death; or
• 10 times of the Annualized premium; or
• 105% of Total Premiums Paid up to date of death
Maturity Benefit In the event the life insured survives to the end of the policy term, ABSLI shall pay you
• Sum Assured; plus
• Guaranteed Additions accrued to date
In addition ABSLI will also pay the increased accrued Assured Income if opted for
Customisable Benefit For added protection
• ABSLI Accidental Death and Disability Rider (UIN: 109B018V03)
• ABSLI Critical Illness Rider (UIN: 109B019V03)
• ABSLI Surgical Care Rider (UIN: 109B015V03)
• ABSLI Hospital Care Rider (UIN: 109B016V03)
• ABSLI Waiver of Premium (UIN:109C017V03)
• ABSLI Accidental Death Benefit Rider Plus (UIN:109C023V02)
You can only opt for either ABSLI Accidental Death and Disability Rider or ABSLI Accidental Death Benefit Rider Plus

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 non participating savings plan. All terms and 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. The insurance cover for the life insured will commence on the policy issue date. For more details on risk factors, terms and conditions please read the sales brochure carefully before concluding the sales. 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. Website - www.adityabirlasunlifeinsurance.com and toll-free no. 1800-270-7000. IRDAI reg no.109 CIN: U99999MH2000PLC128110 UIN: 109N089V05 ADV/1/19-20/1648


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.

ABSLI Vision LifeIncome Plan

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:


Age Gender Basic Sum Assured Policy Term Premium Paying Term Premium Paid (per annum) Total Benefits (guaranteed + Non-guaranteed)2
4% 8%
35 Male 780,000 65 10 101,748 3,289,399 5,646,949

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:

Entry Age 30 days* - 60 years
Policy Term Whole Life to Age 100
Premium Paying Term 8 | 10 | 12 | 15 to 40 years
Minimum Attained Age at end of Premium Paying Term is 18 or more
Maximum Attained Age at end of Premium Paying Term is 75 or less
Minimum Sum Assured Rs. 2,00,000
Minimum Premium For PPT 8 | 10 | 12 years - Rs. 25,000 p.a.
For PPT 15 to 40 years - Rs. 3,880 p.a.
Premium Frequency Monthly, Quarterly, Semi-Annual, Annual
Death Benefit In the unfortunate event of the death of the life insured during the premium paying term, ABSLI shall pay to the nominee
• Sum Assured on Death; plus
• Accrued bonuses as on date of death; plus
• Terminal bonus (if any)
In the event the life insured dies after the premium paying term, ABSLI shall pay to the nominee
• Sum Assured on Death; plus
• Bonus from the last policy year; plus
• Terminal bonus (if any)
The Sum Assured on Death is the maximum of
• 10 times the Annualized Premium3
• Sum Assured chosen;
• 105% of Total Premiums paid4 upto the date of death
3Annualized Premium shall be 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.
Survival Benefit In the event the life insured survives to the end of the premium paying term, ABSLI shall pay you
• Accrued bonuses till date
In the event the life insured survives to the end of each subsequent policy year, ABSLI shall pay you
• Income Benefit of 5.0% of Sum Assured; plus
• Bonus from the last policy year
Maturity Benefit In the event the life insured survives to the end of the policy term, ABSLI shall pay you
• Higher of, Sum Assured or 105% of Total Premiums paid to date4; plus
• Terminal bonus (if any)
Customisable Benefit For added protection
• ABSLI Accidental Death and Disability Rider (UIN: 109B018V03)
• ABSLI Critical Illness Rider (UIN: 109B019V03)
• ABSLI Surgical Care Rider (UIN: 109B015V03)
• ABSLI Hospital Care Rider (UIN: 109B016V03)
• ABSLI Waiver of Premium Rider (UIN: 109C017V03)
• ABSLI Accidental Death Benefit Rider Plus (UIN: 109C023V02)

*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.

ABSLI Vision Endowment Plus Plan

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:


Age Gender Sum Assured Policy Term Premium Paying Term Premium Paid (per annum) Total Benefits (guaranteed + Non-guaranteed)2
4% 8%
35 Male 1,850,000 20 20 100,617 2,363,838 3,843,838

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:

Entry Age 30 days* – 60 years (subject to maximum maturity age of 70 years)
Policy Term 10 – 40 years
Premium Paying Term 7 | 10 | 15| 20 years | Regular Pay
Minimum Sum Assured Rs. 1,00,000
Minimum Premium Rs. 2,495 p.a.
Premium Frequency Monthly, Quarterly, Semi-Annual, Annual
Death Benefit In the unfortunate event of the death of the life insured during the policy term, the death benefit payable to the nominee shall be
• Sum Assured on Death; plus
• Accrued regular bonuses as of date of death; plus
• Terminal bonus (if any)
Option A - Sum Assured on Death is maximum of Sum Assured or 10 times the Annualized premium payable
Option B - Sum Assured on Death is maximum of 150% of Sum Assured or 10 times the Annualized premium payable
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 bonuses till date; plus
• Terminal bonus (if any)
Customisable Benefit For added protection
• ABSLI Accidental Death and Disability Rider (UIN: 109B018V03)
• ABSLI Critical Illness Rider (UIN: 109B019V03)
• ABSLI Surgical Care Rider (UIN: 109B015V03)
• ABSLI Hospital Care Rider (UIN: 109B016V03)
• ABSLI Waiver of Premium Rider (UIN: 109C017V03)
• ABSLI Accidental Death Benefit Rider Plus (UIN: 109C023V02)

*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.adityabirlasunlifeinsurance.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.

ABSLI Vision LifeSecure Plan

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:


Age Gender Sum Assured Policy Term Premium Paying Term Premium Paid (per annum) Total Benefits (guaranteed + Non-guaranteed)2
4% 8%
35 Male 2,600,000 30 30 100,073 3,146,000 7,553,000

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:

Entry Age 30 days* - 60 years
Policy Term 15 to 35 years
Minimum Attained age at the end of policy term is 18 years or more
Maximum Attained age at the end of policy term is 75 years or less
Premium Paying Term Regular Pay
Minimum Sum Assured Rs. 2,00,000
Minimum Premium Rs. 12,000 p.a.
Premium Frequency Annual, Semi-annual, Quarterly and Monthly
Death Benefit In the unfortunate event of death of the life insured during the policy term, the death benefit(1) payable shall be
• Sum Assured on Death; plus
• Accrued regular bonuses as on date of death; plus
• Terminal Bonus; if any
Sum Assured on Death shall always be higher of Sum Assured or 10 times of Annualized Premium
Maturity Benefit In the event the life insured survives to the end of the policy term, ABSLI shall pay to you
• Sum Assured; plus
• Accrued regular bonuses; plus
• Terminal bonus (if any)
Customisable Benefit For added protection
• ABSLI Accidental Death and Disability Rider (UIN: 109B018V03)
• ABSLI Critical Illness Rider (UIN: 109B019V03)
• ABSLI Surgical Care Rider (UIN: 109B015V03)
• ABSLI Hospital Care Rider (UIN: 109B016V03)
• ABSLI Waiver of Premium Rider (UIN: 109C017V03)
• ABSLI Accidental Death Benefit Rider Plus (UIN: 109C023V02)

*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.adityabirlasunlifeinsurance.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.

ABSLI SecurePlus Plan

Aditya Birla Sun Life Insurance SecurePlus Plan

A traditional non-participating life insurance plan
As you move forward in life, financial requirements pertaining to the well-being 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 peace of mind.

Benefits:

  • Flexibility to choose the Income Benefits
    • Option A: If you want to receive Income Benefit equal to 100% to 600% of the Annual Premium for 6 years
    • Option B: If you want to receive Income Benefit equal to 200% of the Annual Premium for 12 years
  • Inbuilt Accidental Death Benefit
  • Flexibility to choose the amount you wish to pay every year
  • Enhance your insurance with appropriate rider options at an additional cost

Illustration Option A1:


Age Gender Sum Assured Policy Term Income Benefit Premium Paying Term Premium Paid (per annum) Total Income Benefit
35 Male 16,00,000 13 Option A 12 100,000 21,00,000

1For life insured age of 35 years at the time of purchasing the policy with policy term 13 years and premium paying term 12 years with income benefit option A chosen. Additional benefits are available at additional cost. Premium rates are exclusive of GST.

Illustration Option B2:


Age Gender Sum Assured Policy Term Income Benefit Premium Paying Term Premium Paid (per annum) Total Income Benefit
35 Male 16,00,000 13 Option B 12 100,000 24,00,000

2For life insured age of 35 years at the time of purchasing the policy with policy term 13 years and premium paying term 12 years with income benefit option B chosen. Additional benefits are available at additional cost. Premium rates are exclusive of GST.

Details:

Entry Age 5 years - 50 years (age last birthday)
Maximum Maturity Age 63 years (age last birthday)
Policy Term 13 years
Premium Paying Term 12 years
Minimum Premium Rs. 50,000 p.a. for annual mode, Rs. 36,000 p.a. for monthly mode
Payment Period • For Income Benefit Option A - 6 years (from the completion of policy term)
• For Income Benefit Option B - 12 years (from the completion of policy term)
Sum Assured Sum Assured will be determined based on your entry age and the premium amount you commit to pay in a policy year
Minimum Sum Assured Rs. 5,22,000
Premium Mode Monthly | Annual
Death Benefit 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. However, if life insured is different from the policyholder, the policyholder will receive the death benefits. The policy shall be terminated once the Death Benefit is paid.
Sum Assured on death will be higher of:
• 10 times of the Annualized premium; or
• 105% of the Total Premiums Paid as on the date of death; or
• Sum Assured as absolute amount to be paid on death
Customisable Benefit For added protection
• ABSLI Critical Illness Rider (UIN: 109B019V03)
• ABSLI Surgical Care Rider (UIN: 109B015V03)
• ABSLI Hospital Care Rider (UIN: 109B016V03)
• ABSLI Waiver of Premium Rider (UIN: 109C017V03)

*Please ask your financial advisor for an illustration applicable to your policy or refer to your policy contract for further details.

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 non-participating traditional insurance plan. All terms & conditions are guaranteed throughout the policy term. GST 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 more details on risk factors, terms and conditions, please refer to the sales brochure 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. 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.adityabirlasunlifeinsurance.com and toll-free no. 1800-270-7000. IRDAI reg no.109 CIN: U99999MH2000PLC128110 UIN:109N102V03 ADV/12/19-20/1489


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.

ABSLI Child’s Future Assured Plan

A non-linked non – participating individual life insurance savings plan
As a parent, your child is always at the center of your universe and you want to ensure nothing but the best at every milestone. What if a life insurance plan ensures that your aspirations for your child are never compromised?
Presenting, ABSLI Child’s Future Assured Plan, a life insurance savings plan, which offers Assured Benefits to take care of the important milestones in your child’s life. In case of an unfortunate event, the remaining premiums will be waived off1.So, you rest assured that the key milestones of your child’s future are secured with a guarantee even in your absence
1Under death benefit option

Aditya Birla Sun Life Insurance Child’s Future Assured Plan

Key Features:

  • The plan offers complete financial Security
  • Flexibility to save for Child Education, Marriage or for both the life goals
  • Worry free goal achievement through Policy Continuance Benefit
  • Flexibility to choose from various Pay term and Policy Terms
  • Option to avail of Enhanced Insurance Cover
  • Option to enhance your risk cover with appropriate rider option

Illustration

Entry Age Gender Assured Pay-out Option Payment Frequency Pay-out Period
35 years Male Education Milestone Yearly 3 years

Sum Assured Policy Term Premium Paying Term Premium* Paid (Per annum) (in Rs.) Survival / Maturity Benefit (in Rs.)
15,00,000 20 10 87,195 18th Policy Year :5,40,000
19th Policy Year :5,40,000
20th Policy Year :7,20,000

*Premium rates are exclusive of GST.
Additional benefits are available at additional cost. Premium rates are exclusive of GST.

Plan at glance

Life Insured Entry Age (age last birthday) Minimum: 18 Years
Maximum: 65 Years; (50 years if Enhanced Insurance cover is chosen)
Maximum Maturity Age(age last birthday) 75 Years
Plan Options Education Milestone Benefit,
Marriage Milestone Benefit,
Education and Marriage Milestone Benefit
Policy Term (PT) Education Milestone Benefit: 10 to 29 years
Marriage Milestone Benefit: 8 to 32 years
Education and Marriage Milestone Benefit: 11 to 32 years
Premium Paying Term (PPT) Minimum:
• Education Milestone Benefit / Marriage Milestone Benefit: 5 years
• Education and Marriage Milestone Benefit: 6 years
Maximum: 12 years
Minimum Annualized Premium Rs. 30,000
Minimum Sum Assured Rs. 4,00,000
Maximum Sum Assured No Limit (subject to Board Approved Underwriting Policy)
Enhanced insurance Cover (Optional) 50%, 100% or 200% of Sum Assured
Payment Mode Annual, Semi Annual, Quarterly and Monthly Modal Loading will be applicable as below
Mode Annual Semi-annual Quarterly Monthly
Modal Loading 0.0% 1.0% 1.5% 4.0%

Your Sum Assured is banded as follows

Sum Assured Band* Band1 Band2 Band3
Sum Assured Rs. Rs. 4,00,000 to Rs. 7,99,999 Rs. 8,00,000 to Rs. 11,99,999 Rs. 12,00,000+

For higher Sum Assured, we also offer a premium rebate as follows

Sum Assured Band* Band1 Band2 Band3
Premium Rebate per 1,000 of Sum Assured Nil 1.5 2.5

*If Education and Marriage both Milestones are chosen, we offer a premium rebate of `2.5 per 1,000 on the applicable Sum Assured chosen for the benefit.

Assured benefit:
This plan offers you Assured Benefits to fund your child’s key milestones - Education, Marriage or both. You can choose one of the following options at policy inception and plan to receive Assured Benefits.

Education Milestone Benefit:
This Plan offers assured annual payouts as a fixed percentage of your Sum Assured. You can choose the tenures of payouts to coincide with your Child's education milestones such as High School, Graduation, and Post-Graduation. The Education Milestone Benefit as a percentage of Sum Assured will be payable as per the table below:
Education Milestone Benefit Payable at the end of the year -

Benefit years 1st 2nd 3rd 4th 5th 6th 7th 8th 9th
3 years 30% 30% 40%
6 years 15% 15% 15% 15% 25% 25%
9 years 10% 10% 10% 10% 10% 15% 15% 20% 20%

Marriage Milestone Benefit:
This plan enables you to receive a guaranteed lump sum payout at the end of the selected policy term for your children's marriage when they are in the age bracket of 24 to 32 years.

Education and Marriage Milestones Benefits:
Under this option both Education and Marriage Milestone Benefit can be chosen. The Education Milestone Benefit will be paid as defined above on their respective due dates and the Marriage Milestone Benefit will be paid at the end of Policy Term.

Maturity benefit:
The Maturity Benefit shall be the amount of Assured Benefit payable at the end of the Policy Term. Death Benefit: In case of the life insured’s unfortunate demise during the policy period, the death benefit will be paid to the nominee in either of the following ways:
• Assured benefits chosen by you shall be paid on their respective due dates; plus
• Any excess amount of Sum Assured on Death over the discounted value of the payable assured benefits will be paid immediately as lump-sum
• All future installment premiums shall be waived off
Or
Nominee has an option to opt immediate lump sum payment. In that case higher of Sum Assured on Death or discounted value of all the future Assured Benefits, will be paid immediately and the policy will be terminated.

Loyalty additions:If you pay all your due premiums, 20% will be added to your assured benefits as the Loyalty Addition at the end of each scheduled payout.
Enhanced Insurance cover: At the start of the policy, you can also opt for Enhanced Insurance Cover equal to 50% or 100% or 200% of the sum assured, by paying an additional premium.

For more details on these charges, please refer to ABSLI Child's Future Assured Plan product brochure.


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 traditional insurance plan. All terms & conditions are guaranteed throughout the policy term. GST and any other applicable taxes will be added (extra) to the premium and levied as per extant tax laws. The insurance cover for the life insured (including minors) will commence on the policy issue date. For further details please refer to the policy contract. Tax benefits are subject to changes in the tax laws. For more details on risk factors, terms and conditions, please refer to the sales brochure 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.adityabirlasunlifeinsurance.com and toll-free no. 1800-270-7000. IRDAI reg no.109 CIN: U99999MH2000PLC128110 UIN: 109N106V05 ADV/9/20-21/1212


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.

ABSLI Guaranteed Milestone Plan

A non-linked non – participating life insurance plan
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.

Aditya Birla Sun Life Insurance Guaranteed Milestone Plan

Key Features:

  • Fully guaranteed benefits on death or maturity1
  • Guaranteed Additions that boosts your corpus year on year
  • Flexibility to choose the policy term
  • Flexibility to cover your spouse also by choosing Joint Life Protection by paying an additional premium
  • Flexibility to enhance your insurance cover with appropriate rider options by paying an additional premium

1Provided all premiums are paid.

Illustration

Entry Age Gender Sum Assured Payment Frequency
35 years Male Rs. 7,50,000 Yearly

Sum Assured Policy Term Premium Paying Term Premium* Paid (Per annum) (in Rs.) Survival / Maturity Benefit (in Rs.)
7,50,000 20 10 50,000 Maturity Benefit: Rs 11,24,000
Ie. Accrued guaranteed additions + Maturity Sum Assured

*Premium rates are exclusive of GST.

Plan at glance

Entry Age (age last birthday) 30 days* - 60 years
Policy Term 12, 14, 16, 18, 20, 22, 24 & 26 years
Premium Paying Term 6 years for policy term of 12 / 14
8 years for policy term of 16 / 18
10 years for policy term of 20 / 22
12 years for policy term of 24 / 26
Minimum Maturity Age 18 years
Minimum Premium Rs. 15,000
Sum Assured 15 X Annualized Premium
Minimum Sum Assured Rs. 2,25,000
Minimum Sum Assured on Maturity Rs. 90,000
Premium Mode Annual, Semi Annual, Quarterly and Monthly

*Risk commences from the first policy anniversary

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.
On acceptance of the death claim you shall immediately get the first annual instalments of the Sum Assured on Death along with the excess amount, if any, of Sum Assured on maturity plus accrued Guaranteed Additions over the Sum Assured.
In case where the death of the Life Insured takes place prior to risk commencement date, only the premiums paid to date (excluding applicable taxes) shall be payable as the Death Benefit.

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 primary life insured:
• Applicable death benefit shall be paid immediately to the primary life insured as a lump sum
• 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 lump sum for the death benefit of secondary life 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

Maturity Benefit
In the event, the life insured survives to the end of the policy term, they shall receive
• 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 Paid.

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.

Please refer to the ABSLI Guaranteed Milestone 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.
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-participating traditional 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. The insurance cover for the life insured (including minors) will commence on the policy issue date. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding the sale. 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. Aditya 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 www.adityabirlasunlifeinsurance.com Toll Free: 1800 270 7000. UIN: 109N106V08. CIN: U99999MH2000PLC128110 ADV/9/20-21/1213.


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.

ABSLI Assured Income Plus

ABSLI Assured Income Plus

A Non-Linked Non-Participating Individual Life Insurance Savings Plan
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 savings 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:

  • Get guaranteed1 regular income for a period of 20, 25 or 30 years2
  • Flexibility to choose between Income only Benefit or Income Benefit with Return of Premium (RoP)
  • Loyalty Additions as an additional boost to your Income Benefit and Return of Premium (RoP) benefit pay-out

1Provided all premiums are paid.2Benefit payout period of 25 years and 30 years is available only with 6 pay & 8 pay.

Illustration3:


Age Gender Policy Term Premium Paying Term Premium Paid (per annum) Get3
35 Male 9 8 Rs. 100,000 Rs. 25,52,906

3Age: 35 years Male | Income with Return of premium benefit option | Annual Premium: Rs. 1 lakh p.a. | Premium Paying Term: 8 years | Policy Term: 9 years | Benefit payout period: 25 years | Benefit Payout Frequency: Annual |3Income benefit + Loyalty addition on income benefit - Rs. 60,356 p.a from 10th to 34th year | 3Return of premium benefit along with loyalty additions - Rs. 10,44,000 at the end of 34th year | Additional benefits are available at additional cost | Premium rates are exclusive of GST.

Benefits:

Death Benefit:

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. Key benefits offered under the plan Sum Assured on Death is defined as higher of:

  1. 10 times of Annualized Premium
  2. 150% of Total Premiums paid till the date of death
  3. Sum Assured

1. Sum Assured Multiple: Sum Assured multiple for male lives is as per mentioned in the product brochure. Sum Assured multiple for female lives is based on the multiple for male lives with a 3-year setback.

2. Staggered Death Benefit Option:The Nominee will have an option to receive the amount of Death Benefit in Annual/ Monthly instalments payable at the end of the year/month instead of a lump-sum, over a period of 10 years as per the percentages.

Survival Benefit

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 as per mentioned in product brochure.

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.

2. Income Benefit with Return of Premium (RoP) 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. Additionally, under this option, the Total Premiums paid by you will also be returned at the end of the Benefit Payout Period.

3. Loyalty Addition: Your Income Benefit will be enhanced every year during the Benefit Payout Period and the Return of Premium (RoP), if any, by adding a Loyalty Addition, provided all premiums have been paid during the Premium Paying Term. Loyalty Addition is defined as a percentage of the Income Benefit or RoP. In case of death of the Life Insured during the Benefit Payout Period, the Income Benefit, RoP, if any, and Loyalty addition will continue to be paid to the nominee. Please Note, Loyalty Addition is applicable only for policies that have paid all the due premiums under the policy

4. 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. You have the flexibility to change the chosen Benefit Payout Frequency during the Policy Term as per your changing needs. For annual frequency, Income Benefit please refer product brochure. For semi-annual, quarterly, and monthly frequency, the Income Benefit shall be based on the annual Income Benefit.

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 (and RoP, if any), 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 any Survival Benefit already paid. The lump sum benefit is calculated using factors determined by a discount rate of 8.65%. The Company may revise the factors based on the then prevailing market conditions subject to prior IRDAI approval. Any change in the methodology/formula for calculating the factors shall also be subject to IRDAI approval.

Customisable Benefit:

For added protection, you can enhance your risk coverage during the Policy Term by adding following riders4 at a nominal extra cost.
  • ABSLI Accidental Death Benefit Rider Plus (UIN: 109B023V02)
  • ABSLI Critical Illness Rider (UIN: 109B019V03)
  • ABSLI Surgical Care Rider (UIN: 109B015V03)
  • ABSLI Hospital Care Rider (UIN: 109B016V03)
  • ABSLI Waiver of Premium (UIN:109B017V03)

4There are exclusions attached to the riders. Please refer rider brochure for more details.

Product Eligibility

Plan Parameters Minimum Maximum
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 115 years for Policy Term 7 years
95 years for Policy Term 9 years
55 years for Policy Term 13 years
5In 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 Date of Commencement
of Risk
60 years
Maturity Age of the Life Insured (age as on last birthday) 18 years
73 years
Premium Payment Term (PPT), Policy Term (PT) and Benefit Payout Period Minimum: All Individuals (Male | Female | Transgender) Policy Term (PT):
PPT + 1 year
Benefit Payout Period
6 years 7 years 20, 25, 30 years
8 years 9 years 20, 25, 30 years
12 years 13 years 20, 25 years
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 thereafter.
Premium Payment Modes and Modal Loading Annual | Semi-Annual | Quarterly | Monthly
Mode Annual Semi-annual Quarterly Monthly
Modal Loading 0.0% 1.0% 1.5% 3.5%
Annualized Premium Rs. 50,000 No Limit (subject to Board Approved
Underwriting Policy)
As per under-writing
Sum Assured Rs. 5,50,000 (Subject to Board Approved
Underwriting Policy)
Benefit Options The Policyholder at policy inception can choose from
the following two options:
1) Income only Benefit
2) Income Benefit with Return of Premium (RoP)
[where the Total Premiums paid is returned at the end of the Benefit Payout Period]
The Benefit Option is chosen at inception and cannot be changed thereafter
Benefit Payout Frequency Annual, Semi Annual, Quarterly and Monthly

For details on benefits, terms and conditions please refer the 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.
Life Insurance coverage is available in the product. 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 life insurance savings plan. 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 policies issued on minor life, the date of commencement of risk shall be the date of commencement of the policy. Where a policy is issued on a minor life, the policy will vest after attainment of majority of the Life Insured. Where the Life Insured (whether major or minor) and Proposer/Policyholder is different, on the death of the Proposer/Policyholder, his legal heirs, in accordance with the existing succession laws, will be considered as new Proposer/Policyholder. As there is no death benefit payable on the death of the Proposer/Policyholder, the policy status does not change, and the policy continues. This product shall also be available for sales through online channel. Tax benefits are subject to changes in tax laws. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding the sale. 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.adityabirlasunlifeinsurance.com. CIN: U99999MH2000PLC128110 UIN: 109N127V04 ADV/6/21-22/387


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.

Retirement Plans

ABSLI Empower Pension Plan

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 Empower Pension Plan

A unit linked pension plan
Retirement is the time of life when the worries of working life cease and a life of fun and bliss begins. Each one of us wishes to be empowered enough for a retired life of our choice; to be able to fulfil our dreams, relax, pursue hobbies that we could not during our working lives.
Presenting the ABSLI Empower Pension Plan, a plan designed specially to ensure that you remain in control of your destiny even during the second innings of life. A unit linked, non-participating pension plan - it is simple, hassle-free and helps you to focus on your goals and enhance your savings for your future ensuring it is free from worries.

Illustration1:


Age Gender Accumulation Period Risk Profile Investment Option Premium Paying Term Premium Paid (Per annum) May Get Vesting Surrender Benefit2
4% 8%
35 Male 15 Conservative Smart 15 100,000 1,783,957 2,499,055

1For life insured age of 35 years at the time of purchasing the policy with policy term 15 years and premium paying term 15 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:

Entry Age (age on last birthday) 25 - 70 years
Accumulation Period 5 - 30 years subject to maximum vesting age of 80 years
Premium Paying Term Regular pay
Basic Premium Minimum Rs. 18,000 p.a. if paid annually
Minimum Rs. 24,000 p.a. if paid semi-annually
Minimum Rs. 30,000 p.a. if paid quarterly; or
Minimum Rs. 36,000 p.a. if paid monthly
Guaranteed Additions Will be added to your policy in the form of additional units
Vesting Benefit On your vesting date you will receive the greater of (a) your Guaranteed Vesting Benefit or (b) the Fund Value. The Guaranteed Vesting Benefit varies by your chosen vesting date and risk profile. Guaranteed Vesting Benefit once assigned to your policy at inception shall remain constant.
Death Benefit In the unfortunate event the life insured dies while the policy is in effect, ABSLI will pay to the nominee the greater of (a) the Guaranteed Death Benefit or (b) Fund Value as on date of intimation of death.
The Guaranteed Death Benefit is the greater of
• 105% of all basic premiums paid or
• Accumulation of all basic premiums paid till date at a compounding guaranteed rate.
The guaranteed rate varies by the risk profile chosen by the policyholder and is equal to 0.5% p.a., 1.5% p.a. and 3.0% p.a. for Aggressive, Moderate and Conservative risk profiles respectively.
Surrender Benefit In case of emergencies, you can surrender your policy to ABSLI anytime till vesting during the first five policy years the benefit on surrender will be as explained in the Policy Discontinuance section

*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 non-participating unit linked life insurance pension plan. Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factors. Aditya Birla Sun Life Insurance and ABSLI Empower Pension 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 various funds offered under this contract are the names of the funds and does not any way indicate the quality of these plans, their future prospects and returns. Please know the associated risks and the applicable charges, from your Insurance agent or the Intermediary or policy document. 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 Education Cess 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 before concluding the sale. 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). 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.adityabirlasunlifeinsurance.com and toll-free no. 1800-270-7000. CIN: U99999MH2000PLC128110 Registration No. 109 UIN: 109L078V02 ADV/1/19-20/1642


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.

Protection Plans

ABSLI Cancer Shield Plan

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

Entry Age Gender Sum Assured Payment Frequency Income Benefit Option
35 years Male Rs. 50 Lakhs Yearly level Income

Sum Assured Policy Term Premium Paying Term Premium* Paid (Per annum) (in Rs.) Survival / Maturity Benefit (in Rs.)
50,00,000 20 20 7300 14th policy year year: Early stage cancer benefit: Rs. 15 Lakhs
Future premium waived off 20th policy year: Major stage cancer Rs. 35 Lakhs
21st – 25th policy year: Income benefit @ 1% of SA ie. Rs 50,000 pm for 5 years

*Premium rates are exclusive of GST.

Plan at glance

Entry Age 18 - 65 Years
Maturity Age or Cover Ceasing Age 85 years
Policy Term Minimum - 5 Years / Maximum - 50 Years
Premium Paying Term Regular Pay
Premium Paying Mode Annual | Semi-Annual | Quarterly | Monthly
Sum Assured Minimum - Rs. 10 Lakhs / Maximum - Rs. 50 Lakhs

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.

ABSLI Income Shield Plan

Aditya Birla Sun Life Insurance Income Shield Plan

A non-linked non-participating term insurance plan
You strive hard to create a comfortable lifestyle for your family and aspire to provide the best for them. Your hard-earned savings may not be enough to meet all the demands of your family in case of your untimely demise.
Presenting ABSLI Income Shield Plan a traditional protection plan that provides your family with a regular monthly income to ensure that they maintain the same standard of living even in your absence.

Benefits:

  • Life Cover at affordable cost
  • Option to Increase income by 5% every year
  • 4 plan options to suit your protection needs
  • EVA benefit – a benefit exclusive for females
  • Flexible Premium Paying Terms & Income Benefit Term
  • Enhance your insurance with appropriate rider option at an additional cost
  • Option for waiver of premium in case of critical illness or total permanent disability

Illustration1:

Age Gender Sum Assured Policy Term Premium Paying Term Premium Paid (Per annum) Death Benefit (Per annum)
35 Male 1,00,00,000 40 40 17,606 15,000,000

1For life insured age of 35 years male non-smoker at the time of purchasing the policy with policy term 40 years and premium paying term 40 years with plan option selected as Level Term insurance and income benefit term for 10 years. Additional benefits are available at additional cost. Premium rates are exclusive of GST.

Details:

Entry Age (age last birthday) 18 - 50 years
Maximum Maturity Age 75 years
Premium Paying Term Regular Pay | Limited Pay - 6 |10 Years
Policy Term 10 - 40 Years
Income Benefit Term 10 - 20 years
Sum Assured Minimum - Rs. 500,000
Maximum - No Limit
Premium Frequency Annual, Half-yearly, Quarterly and Monthly
EVA Benefit A benefit exclusively for women where ABSLI ensure freedom from paying premiums for a year in case the life insured delivers a baby during the policy term
Death Benefit In the event of death of the life insured during the policy term, monthly income depending on the chosen plan option will be paid to the nominee over the Income Benefit Term Annualized Premium shall be 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. If the life insured is different from the policyholder, ABSLI shall pay the above death benefit to the policyholder. The policy shall be terminated once the death benefit is paid.
Maturity Benefit There is no maturity benefit payable under this plan.
Customisable Benefit For added protection
ABSLI Accidental Death Benefit Rider Plus UIN:109C023V02)

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 non-linked non – participating term 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. For more details on risk factors, terms and conditions, please refer to the sales brochure before concluding the sale. 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 will commence on the policy issue date. 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. 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.adityabirlasunlifeinsurance.com and toll-free no. 1800-270-7000. IRDAI reg no.109 CIN: U99999MH2000PLC128110 UIN: 109N105V02 ADV/1/19-20/1640


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.

ABSLI Life Shield Plan

Aditya Birla Sun Life Insurance Life Shield Plan

A non-linked non-participating term insurance plan
Your endeavour is to provide the best to your family and ensure their happiness and well-being. However, when it comes to planning for unforeseen circumstances, you need a solution that does not make your family compromise on any facet of their lifestyle and protects their dreams.
Aditya Birla Sun Life Insurance has come with a protection plan solution for you - ABSLI Life Shield Plan that gives you the flexibility to provide for your family’s well-being even if you are not around.

Benefits:

  • Multiple options to suit your different protection needs
  • Option to enhance coverage at key milestones of your life
  • Option to cover your spouse under the same policy
  • Return of premium option
  • Inbuilt Terminal Illness Benefit
  • Multiple options to receive death benefit
  • Enhance your insurance with appropriate rider options

Illustration1:

Age Gender Sum Assured Policy Term Premium Paying Term Premium Paid (Per annum) Death Benefit
35 Male 1,00,00,000 25 25 10,635 1,00,00,000

1For life insured age of 35 years male non-smoker at the time of purchasing the policy with policy term 25 years with plan option selected as Level Term insurance. Additional benefits are available at additional cost. Premium rates are exclusive of GST.

Details:

Entry Age (age last birthday) 18 - 65 Years
Policy Term Minimum
• For Plan Option: 1 | 2 | 3 | 4 | 5 | 6 – 10 Years
• For Plan Option: 7 | 8 - 20 Years
Maximum
• 50 Years
Sum Assured Minimum - Rs. 25,00,000
Maximum - No Limit (subject to underwriting guidelines)
Maximum Maturity Age 80 Years
Premium Paying Term Single Pay | Limited Pay - 6, 8 Years | Regular Pay
Premium Frequency Monthly, Quarterly, Semi-Annual, Annual
Death Benefit In case of the unfortunate demise of the life insured during the Policy Term, Death Benefit will be paid to the nominee. Death Benefit is the Sum Assured on death less any previously paid Terminal Illness Benefit. The policy shall be terminated once the Death Benefit is paid.
Sum Assured on Death for regular| limited pay will be highest of -
• 10 times of the Annualised premium for all ages; or
• 105% of all the Total Premiums paid as on the date of death; or
• Absolute amount assured to be paid on death
Sum Assured on Death for single pay will be highest of -
• 125% of single premium for all ages; or
• Absolute amount assured to be paid on death
Maturity Benefit In the event the life insured survives to the end of the Policy Term, no benefit is payable on maturity except when the Return of Premium Plan Option 7 I 8 is chosen and then the sum of all the premiums (excluding GST, premiums paid towards underwriting extras and / or riders as may be applicable) shall be paid on the policy maturity date and the policy will be terminated thereafter.
Customisable Benefit For added protection
• ABSLI Accidental Death and Disability Rider (UIN: 109B018V03)
• ABSLI Critical Illness Rider (UIN: 109B019VO3)
• ABSLI Surgical Care Rider (UIN: 109B015V03)
• ABSLI Hospital Care Rider (UIN: 109B016V03)
• ABSLI Accidental Death Benefit Rider Plus (UIN:109C023V02)
You can opt for either ABSLI Accidental Death and Disability Rider or ABSLI Accidental Death Benefit Rider Plus and not both. Riders are not available for Joint Life Protection Option and also for Decreasing Term Assurance. Rider is not available under option 5 and 6

For 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 non-participating traditional term insurance plan. All terms and 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. The insurance cover for the life insured will commence on the policy issue date. For more details on risk factors, terms and conditions please read the sales brochure carefully before concluding the sales. 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. Website: www.adityabirlasunlifeinsurance.com and toll-free no. 1800-270-7000.IRDAI reg no.109 CIN: U99999MH2000PLC128110 UIN: 109N109V02 ADV/2/19-20/1789


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.

ABSLI DigiShield Plan

ABSLI DigiShield Plan

A Non-Linked Non-Participating Individual Pure Risk Premium Life Term Insurance Plan

You strive to give the best of the world to your family. 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.

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 pay-out 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

Illustration1:

Age Gender Sum Assured (In Rs.) Policy Term Premium Paying Term Premium Paid (Per annum) (In Rs.) Death Benefit (In Rs.)
35 Male 1,00,00,000 35 35 13,400 1,00,00,000

1Age: 35 years Male | Non-smoker | Policy Term: 35 years | Premium Paying Term: 35 years | Premium Paid: Annually | Plan option: Level cover option | Premium rates are exclusive of GST

Your Plan Options:

Plan Option 1: Level Cover Option

Under this option, In the unfortunate event of the death of the Life Insured during the Policy Term, Nominee will be paid an absolute amount, equal to Sum Assured on Death, in lump-sum.

Plan Option 2: Increasing Cover Option

Under this option the Sum Assured will increase every year during the Policy Term by 5% or 10% per annum depending on the Sum Assured Escalation Rate selected by the Policyholder at inception. In the unfortunate event of the death of the Life Insured during the Policy Term, the nominee will be paid an absolute amount, in lump-sum. Sum Assured Escalation Rate can either be 5% p.a. (simple) or 10% p.a. (simple).

Plan Option 3: Sum Assured Reduction Option

Under this option Policyholder will have an option to reduce the chosen Sum Assured by 50% or 25% on attainment of Retirement Age as 60 years, 65 years, 70 years or 75 years selected by the Policyholder at inception. On exercising this option, Policy will continue with the reduced Sum Assured till the end of Policy Term. In the unfortunate event of the death of the Life Insured during the Policy Term, the nominee will be paid an absolute amount, in lump-sum.

Plan Option 4: Whole Life Option (Level Cover)

Under this option life cover will be till 100 years of Age. In the unfortunate event of the death of the Life Insured during the Policy Term, Nominee will be paid an absolute amount, equal to Sum Assured on Death, in lump-sum.

Plan Option 5: Whole Life Option (Sum Assured Reduction Cover)

Under this option life cover will be till 100 years of Age and Policyholder will have an option to reduce the chosen Sum Assured Factor of 50% or 25% on attainment of Retirement Age as 60 years, 65 years, 70 years or 75 years selected by the Policyholder at inception. On exercising this option, the Policy will continue with the reduced Sum Assured till the end of Policy Term. In the unfortunate event of the death of the Life Insured during the Policy Term, the nominee will be paid an absolute amount, in lump-sum.

Plan Option 6: Income Benefit

Under this option, In the unfortunate event of the death of the Life Insured during the Policy Term, the nominee will be paid monthly income, equal to 1.25% of Sum Assured, during the chosen Income Benefit Period of 10 years, 15 years or 20 years. Policyholder will have the choice at inception, to receive Increasing Monthly Income, wherein the monthly income will increase by simple 5% p.a. during the chosen Income Benefit Period.

Plan Option 7: Level Cover plus Income Benefit

Under this option, in the unfortunate event of the death of the Life Insured during the Policy Term, the nominee will be paid Sum Assured in lump sum immediately on the date of death of the Life Insured; plus Level Monthly Income paid over 10 years as 0.5% of Sum Assured, for a period of 10 years.

Plan Option 8: Low Cover Option

Under this option, on death, the nominee will be paid an absolute amount, equal to Sum Assured on Death, in lump sum.

Plan Option 9: Level Cover with Survival Benefit

Under this option, on survival of Life Insured till the policy anniversary falling after the attained age of 60 years, a Survival Benefit equal to 0.12% of Sum Assured, will be paid every month till the end of the Policy Term. In the unfortunate event of the death of the Life Insured during the Policy Term, the nominee will be paid an absolute amount in lump-sum. The absolute amount is the Sum Assured less the Survival Benefit already paid.

Plan Option 10: Return of Premium (ROP)

Under this option, on survival of Life Insured at the end of the Policy term, the total premiums, as defined under Maturity Benefit, will be paid to the Policyholder. In the unfortunate event of the death of the Life Insured during the Policy Term, the nominee will be paid an absolute amount in lump sum.


Benefits:

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) as per the Plan Option chosen by Policyholder.

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. If Policyholder has chosen Increasing Monthly Income the monthly instalments will increase by 5% simple each year throughout the Income Benefit Term

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 on or after the date of death.

In case Terminal Illness claim and/or Accelerated Critical Illness (ACI) Benefit claim has been paid, the Death Benefit shall be reduced proportionately to the extent of reduction in Sum Assured on account of Terminal Illness and/or Accelerated Critical Illness (ACI) Benefit already paid.

Where,

Sum Assured on Death for a Regular Pay and Limited Pay Policy will be the highest of -

  • 11 times of the Annualized Premium; or
  • 105% of Total Premiums paid as on the date of death; or
  • The Effective Sum Assured as on the date of death

Sum Assured on Death for Single Pay Policy will be the highest of -

  • 125% of Single Premium; or
  • The Effective Sum Assured as on the date of death

Survival Benefit

This Plan does not offer any survival benefit except if the Plan Option 9 is opted. 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 Month Anniversary till the end of the Policy Term or death of the Life Insured whichever is earlier.

Maturity Benefit

This Plan does not offer any maturity benefit except if the Plan Option 10 is opted. 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.

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 Rs. 2 crores 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.

Accelerated Critical Illness (ACI) Benefit

Accelerated Critical Illness (ACI) Sum Assured will be paid on the first diagnosis of any of the specified critical illnesses during the ACI Benefit Cover Period, provided the Policy is in-force and meets the required ACI terms and conditions.

Please refer to product brochure on our website for applicable exclusions on Accelerated Critical Illness Benefit.

Enhanced Life Stage Protection

As your protection need varies at different life stages owing to occurrence of joyous events such as marriage & birth of children. If you have opted for this benefit at Policy inception, you may opt to increase your life cover (Sum Assured) on occurrence of each listed events without undergoing for any fresh medical examination.

 

Event Enhanced Protection
(% of Sum Assured of the Policy)
First Marriage 50% subject to a maximum of Rs. 50,00,000
Childbirth (Two Children) 25% subject to a maximum of Rs. 25,00,000 per child
House Loan (Once during the Policy Term) 50%, subject to a maximum increase of Rs. 50,00,000

Customisable Benefit:

For added protection

  • ABSLI Accidental Death and Disability Rider (UIN: 109B018V03)
  • ABSLI Critical Illness Rider (UIN: 109B019V03)
  • ABSLI Surgical Care Rider (UIN: 109B015V03)
  • ABSLI Hospital Care Rider (UIN: 109B016V03)
  • ABSLI Accidental Death Benefit Rider Plus (UIN:109B023V02)
  • ABSLI Waiver of Premium (UIN: 109B017V03)

Riders are not available for Joint Life Protection Option and for Plan Option 3 and 5.

You can only opt for either ABSLI Accidental Death and Disability Rider or ABSLI Accidental Death Benefit Rider Plus. There are exclusions attached to the rider, please read rider brochures before concluding sale.


Product Eligibility

Plan Options Entry Age Max Maturity Age Premium Paying Term Minimum Policy Term Maximum Policy Term Sum Assured
Plan Option: 1 Level Cover Option Min: 18 years 85 years Single Pay 5 years 55 years Min: 30 Lakh
Max: 65 years 5 Pay (PPT + 5) years Max: No Limit, subject to Board Approved Guidelines
Plan Option: 2 Increasing Cover Option (Max age 60 years for PPT 20 years 7 Pay
Max age 54 years for PPT To Age 60) 10 Pay
Plan Option: 6 Income Benefit 12 Pay
15 Pay
Plan Option: 7 Level Cover Plus Income Benefit 20 Pay
To age 60
Regular Pay 10 years
Plan Option: 3 Sum Assured Reduction Option Min: 18 years 85 years Single Pay 11 years 55 years Min: 30 Lakh
Max: 65 years 5 Pay 11 years Max: No Limit, subject to Board Approved Guidelines
(Max age 60 years for PPT 20 years 7 Pay (PPT + 5) years
Max age 54 years for PPT To Age 60) 10 Pay
12 Pay
15 Pay
20 Pay
To age 60
Regular Pay 11 years
Plan Option 4: Whole Life Option (Level Cover) Min: 45 years 100 years Single Pay & 100 minus Entry Age Min: 30 Lakh
Max: 65 years 5 Pay Max: No Limit, subject to Board Approved Guidelines
Plan Option 5: Whole Life Option (Sum Assured Reduction Cover)
Plan Option 8: Low Cover Option Min: 18 years 69 years Single Pay & 1 year 4 years Min: Rs. 1 lakh
Max: 65 years Regular Pay Max: Rs. 20 lakh
Plan Option 9: Level Cover with Survival Benefit Min: 18 years 85 years Single Pay 70 minus Entry Age 55 years Min: 30 Lakh
Max: 50 years 5 Pay Max: No Limit, subject to Board Approved Guidelines
(Max Age 48 years for PPT 12 years 7 Pay
Max Age 45 years for PPT 15 years 10 Pay
Max Age 40 years for PPT 20 years 12 Pay
Max Age 49 years for PPT To Age 60) 15 Pay
20 Pay
To age 60
Plan Option 10: Return of Premium (ROP) Min: 18 years 85 years Regular Pay 10 years 55 years Min: 30 Lakh
Max: 65 years Max: No Limit, subject to Board Approved Guidelines

 

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 life savings 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. 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 sale. Registered Office: One World 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 109N108V05. ADV/5/21-22/228

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.

Married Women's Property Act

Benefits of Married Women's Property Act

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

What is “Human Life Value”?

“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.

Why is it important to know your “Human Life Value”?

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.

Do you know your “Human Life Value”?

Use these simple thumb rules to find out.


Age  Human Life Value 
 Upto 25  20 times annual gross salary
 25 - 35  15 times annual gross salary
 35 - 45  12 times annual gross salary
 45+  10 times annual gross salary

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.

Apply Now

Apply Online
SMS INS to 561615
Call 18602666601#

 

 

#Customers outside India need to dial +91 22 6601 6601. Customers in Mumbai can also call at +91 22 6601 6601. Call charges apply.

Conditions apply
Insurance is a subject matter of solicitation.

Please refer to the respective product brochures and sales illustrations for details of each product and risk factors before concluding any sale.

Deutsche Bank AG, India (“Deutsche Bank”) is a licensed corporate agent of Aditya Birla Sun Life Insurance Company Limited, Niva Bupa Health Insurance Company Limited, Aditya Birla Health Insurance Company and HDFC ERGO General Insurance Company Limited under the composite license number CA0020. All insurance products are underwritten by the respective insurance company and are subject to the terms and conditions of the relevant policy issued by that insurance company. They are neither bank deposits nor constitute obligations of or guaranteed by Deutsche Bank or any of its affiliates or subsidiaries or any governmental agency. This communication shall not be construed as investment advice and all decisions to purchase the policy shall be the personal judgement of the customer arrived at after due consideration. The tax benefits on your Policy would be as per the prevailing provisions of the Income Tax Act, 1961 and Income Tax Rules, 1962, as may be amended, modified or substituted from time to time.

This document does not constitute the distribution of any information or the making of any offer or solicitation by anyone in any jurisdiction in which such distribution or offer is not authorized or to any person to whom it is unlawful to distribute such a document or make such an offer or solicitation. Neither this document nor anything contained herein shall form the basis of any contract or commitment whatsoever. You should take all relevant factors including independent expert advice into account before making any investment or other decision by using the content of this publication.

Deutsche Bank does not guarantee or make any representation, express or implied, with respect to the fairness, correctness, accuracy, adequacy, reasonableness, reliability, usefulness, viability or fitness for any particular purpose or completeness of any information in this email and is not responsible for any errors or omissions or for results obtained from the use of such information. Deutsche Bank also disclaims all liability in respect of use of any third party information or offering, whether proprietary or otherwise.

The premium paid in Unit Linked Life Insurance policies are subject to market and investment risks. NAVs of the units may go up or down based on the performance of the fund and factors influencing the capital and money markets. Yield or a fund’s past performance should not be considered as an indication or guarantee of future yield or results. There is no assurance or guarantee that the objectives of the products will be achieved and the insured is responsible for his or her decision to invest.

Disclaimer:

For more details on risk factors, terms & conditions, please read the sales brochure carefully before concluding the sale.

*Aditya Birla Sun Life Insurance and plans offered 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.

Deutsche Bank AG, India has tied up with Aditya Birla Sun Life Insurance Company Limited (ABSLI), Niva Bupa Health Insurance Company, Aditya Birla Health Insurance Company and HDFC ERGO General Insurance Company Limited, leading companies in private life insurance, health insurance and non-life insurance, to bring to you a range of products to suit your insurance needs. Visit www.deutschebank.co.in or contact your Relationship Manager for more details.

Insurance is the subject matter of solicitation. Deutsche Bank is only an agent and not an advisor in offering the insurance products. All insurance products are underwritten by the respective insurance company and are subject to the terms of the relevant policy issued by that insurance company. You are requested to familiarize yourself with the terms and conditions of each individual policy so as to make well-informed investment decisions.

Niva Bupa Health Insurance Company Limited. IRDA Reg. 145, CIN no. U66000DL2008PLC182918, UIN no. MB/WB/2015-2016/561. This is only a summary of the product features. For more details on risk factors, exclusions, terms and conditions please read sales brochure carefully before concluding a sale.
Terms and conditions apply. MBHI helpline number: 1800-3010-3333. Heartbeat Health Insurance Plan: UIN: IRDA/NL-HLT/MBHI/P-H/V.III/19/16-17.
Health Companion Health Insurance Plan: UIN: IRDA/NL-HLT/MBHI/P-H/V.II/2/14-15. Health Assurance: UIN: IRDAI/HLT/MBHI/P-H/V.II/175/2016-17.

Aditya Birla Health Insurance Co. Limited. IRDAI Reg.153. CIN No. U66000MH2015PLC263677. Product UIN: ADIHLIP18077V011718. Advertisement UIN: ABHI/ONL/17-18/598 Address: 10th Floor, R-Tech Park, Nirlon Compound, Next to Hub Mall, Off Western Express Highway, Goregaon East, Mumbai - 400063. Website: adityabirlahealthinsurance.com, Email: care.healthinsurance@adityabirlacapital.com, Telephone: 18002707000, Fax: +91 2262257700 . For more details on risk factors, terms and conditions please read terms and conditions carefully before concluding a sale. Trademark / Logo Aditya Birla Capital is owned by Aditya Birla Management Corporation Private Limited and Trademark / Logo HealthReturnsTM, Healthy Heart Score and Active Dayz are owned by MMI Group Limited. These Trademark / Logos are being used by Aditya Birla Health Insurance Co. Limited under licensed user agreement(s). Deutsche Bank is a Corporate Agent of Aditya Birla Health Insurance Co. Limited under Registration no. CA0020.

The policy is underwritten by Aditya Birla Sun Life Insurance Company Limited (ABSLI) and is a non-participating unit linked life insurance savings plan. The name of the funds offered in the 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 IRDA 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. Service Tax and Education Cess 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. 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 Insurance is the subject matter of solicitation.
Regd. Office: Aditya Birla Sun Life Insurance Company Limited, One Indiabulls Centre, Tower 1, 16th Floor, Jupiter Mill Compound, 841 Senapati Bapat Marg, Elphinstone Road, Mumbai - 400013.

General Insurance business is underwritten by HDFC ERGO General Insurance Company Limited. IRDAI Reg No: 146, CIN: U66030MH2007PLC177117. Reg Office: 1st Floor, HDFC House, Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai - 400020. Phone: 1800-2666-400, 022-6234-6234, email: care@hdfcergo.com Deutsche Bank is a licensed corporate agent of HDFC ERGO. Corporate Agent's License No. CA0020. The Contract of insurance is between HDFC ERGO and the Insured only and Deutsche Bank is not a party to the said contract. Participation by customer to buy insurance policy is purely voluntary. For more details on coverage, terms and conditions, please read the sales brochure carefully before concluding a sale.
Home Shield Insurance: UIN: IRDAN125P0001V01201718. E@Secure Insurance: UIN : e@secure Insurance Policy - IRDAN125P0003V01201819. Cyber Security Insurance: UIN : IRDAN125P0005V01201112. The benefits / features of the products are indicative only. For more details on risk factors and terms and conditions, please read sales brochure carefully before concluding sale.


IRDAI clarifies to public that IRDAI or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums. IRDAI does not announce any bonus. Public receiving such phone calls are requested to lodge a police complaint along with details of phone call number.
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