Aditya Birla Sun Life Insurance

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

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

Aditya Birla Sun Life Insurance Wealth Infinia

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

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

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

Key Features

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

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

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

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

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

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

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

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

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

Illustration¹:

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

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

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

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

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

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

Step 3: Choose your Investment Strategy and Fund Allocation

Key benefits offered under the plan

Death Benefit

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

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

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

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

Legacy Variant: Limited Pay:

Milestone Variant: Limited Pay/ Regular Pay

Wealth Booster

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

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

Return of Mortality and Premium Allocation Charges

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

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

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

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

Your Investment Strategies

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

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

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

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

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

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

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

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

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

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

Aditya Birla Sun Life Insurance Wealth Max Plan

Key Features:

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

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

Plan at glance

Investment Options:

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

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

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

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

Death benefit:

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

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

In addition ABSLI will also pay the higher of:

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

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

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

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

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

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

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

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

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

Aditya Birla Sun Life Insurance Wealth Aspire Plan

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

Benefits:

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

Illustration¹:

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

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

Details:

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

Know more

Buy now

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

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

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

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

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

Know more

Buy now

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

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

Aditya Birla Sun Life Insurance Wealth Secure Plan

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

Key Features:

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

¹Tax benefits are subject to changes as per tax laws

Illustration²:

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

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

Details:

*Risk commences from the first policy anniversary.

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

Know more

Buy now

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

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

Aditya Birla Sun Life Insurance Fortune Elite Plan

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

Key Features:

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

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

Illustration²:

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

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

Details:

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

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

Know more

Buy now

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

Aditya Birla Sun Life Insurance Monthly Income Plan

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

Benefits:

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

Illustration¹:

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

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

Details:

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

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

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:

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:

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

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Deutsche Bank AG, India is a corporate agent of Aditya Birla Sun Life Insurance Company Limited under IRDAI Registration no. CA0020.
Registered Address: Deutsche Bank AG, Deutsche Bank House, Hazarimal Somani Marg, Fort, Mumbai 400001, India. Participation by the Bank's clients in insurance products is purely on a voluntary basis.
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.

Aditya Birla Sun Life Insurance Vision LifeIncome Plan

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

Key Features:

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

Illustration¹:

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

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

Details:

*Risk commences from the first policy anniversary

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

Know more

Buy now

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

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

Aditya Birla Sun Life Insurance Vision Endowment Plus Plan

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

Benefits:

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

Illustration¹:

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

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

Details:

*Risk commences from the first policy anniversary

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

Know more

Buy now

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

Aditya Birla Sun Life Insurance Vision LifeSecure Plan

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

Benefits:

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

Illustration¹:

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

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

Details:

*Risk commences from the first policy anniversary

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

Know more

Buy now

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

Aditya Birla Sun Life Insurance SecurePlus Plan

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

Benefits of Aditya Birla Sun Life Insurance SecurePlus Plan  

Flexibility to choose the amount you wish to pay every year 

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 

Enhance your insurance with appropriate rider cost

Product Specification and Eligibility

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

Coverage
All Individuals (Male | Female | Transgender)

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

Maximum: 60 years

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

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

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

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

Minimum Annualized Premium
₹ 50,000

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

Minimum Sum Assured
₹3,50,000

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

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

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

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

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

Survival Benefit 

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

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

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

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

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

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

Disclaimer:

Deutsche Bank AG, India is a corporate agent of Aditya Birla Sun Life Insurance Company Limited under IRDAI Registration no. CA0020.Registered Address: Deutsche Bank AG, Deutsche Bank House, Hazarimal Somani Marg, Fort, Mumbai 400001, India. Participation by the Bank's clients in insurance products is purely on a voluntary basis.
The Trade Logo “Aditya Birla Capital” Displayed Above Is Owned By ADITYA BIRLA MANAGEMENT CORPORATION PRIVATE LIMITED (Trademark Owner) And Used By ADITYA BIRLA SUN LIFE INSURANCE COMPANY LIMITED (ABSLI) under the License.

This is a non-linked non-participating individual life insurance saving plan. This policy is underwritten by Aditya Birla Sun Life Insurance Company Limited (ABSLI). GST and any other applicable taxes will be added (extra) to Your premium and levied as per extant tax laws. An extra premium may be charged as per our then existing underwriting guidelines for substandard lives, smokers or people having hazardous occupations etc. This product shall also be available for sales through online channel. Tax benefits may be available as per prevailing tax laws. For more details and clarification call Your ABSLI Insurance Advisor or visit our website and see how we can help in making Your dreams come true. All policy benefits are subject to policy being in force. “We”, “Us”, “Our” or “the Company” or “ABSLI” means Aditya Birla Sun Life Insurance Company Limited. “You/you” or “Your/your” means the Policyholder. Policyholder and Life Insured can be different under this product. In all situations, it is ensured that the Policyholder has an insurable interest in the Life Insured. For other terms and conditions, request your Agent Advisor or intermediaries for giving a detailed presentation of the product before concluding the sale. Should you need any further information from us, please contact us on the below mentioned address and numbers. For more details on risk factor terms and conditions, please read sales brochure before concluding the sale 

Aditya Birla Sun Life Insurance Company Limited Registered Office: One World Centre, Tower 1, 16th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai - 400 013. 1-800-270-7000 Website: www.adityabirlasunlifeinsurance.com IRDAI Reg No.109 CIN: U99999MH2000PLC128110 UIN: 109N102V07 ADV/2/22-23/3548

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

A non-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

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

Plan at glance

Your Sum Assured is banded as follows

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

*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 -

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.

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

*Premium rates are exclusive of GST.

Plan at glance

*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.

Aditya Birla Sun Life Insurance Assured Income Plus 

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

Key Features 
Long-Term Income: Get guaranteed regular income for a period of 20, 25 or 30 years to ensure fulfilment of your recurring needs in the long term
Two Benefit Options: Flexibility to choose between two benefit options i.e. a) Income only Benefit or b) Income with Lumpsum Benefit– in line with Your financial needs
Loyalty Additions: Loyalty Additions as an additional boost to the Income Benefit pay-out.
Guaranteed Lumpsum Benefit: Guaranteed Lumpsum Benefit, if applicable, shall be payable at the end of the benefit payout period, to boost your savings
Commutation Option: Flexibility to receive a discounted value of future survival benefits as a lump sum based on your needs
Customizable Benefits: Option to enhance your insurance cover with appropriate riders.

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

Sum Assured on Death is defined as higher of: 

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

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

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

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


Survival Benefit 

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

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

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

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

Disclaimer:
Deutsche Bank AG, India is a corporate agent of Aditya Birla Sun Life Insurance Company Limited under IRDAI Registration no. CA0020.Registered Address: Deutsche Bank AG, Deutsche Bank House, Hazarimal Somani Marg, Fort, Mumbai 400001, India. Participation by the Bank's clients in insurance products is purely on a voluntary basis.
The Trade Logo “Aditya Birla Capital” Displayed Above Is Owned By ADITYA BIRLA MANAGEMENT CORPORATION PRIVATE LIMITED (Trademark Owner) And Used By ADITYA BIRLA SUN LIFE INSURANCE COMPANY LIMITED (ABSLI) under the License.
This is a non-linked non-participating individual savings life insurance plan. This policy is underwritten by Aditya Birla Sun Life Insurance Company Limited (ABSLI). GST and any other applicable taxes will be added (extra) to Your premium and levied as per extant tax laws. An extra premium may be charged as per our then existing underwriting guidelines for substandard lives, smokers or people having hazardous occupations etc. This product shall also be available for sales through online channel. Tax benefits may be available as per prevailing tax laws. For more details and clarification call Your ABSLI Insurance Advisor or visit our website and see how we can help in making Your dreams come true. All policy benefits are subject to policy being in force. “We”, “Us”, “Our” or “the Company” or “ABSLI” means Aditya Birla Sun Life Insurance Company Limited. “You/you” or “Your/your” means the Policyholder. Policyholder and Life Insured can be different under this product. In all situations, it is ensured that the Policyholder has an insurable interest in the Life Insured. For other terms and conditions, request your Agent Advisor or intermediaries for giving a detailed presentation of the product before concluding the sale. Should you need any further information from us, please contact us on the below mentioned address and numbers. 
Aditya Birla Sun Life Insurance Company Limited Registered Office: One World Centre, Tower 1, 16th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai - 400 013. 1-800-270-7000 Website: www.adityabirlasunlifeinsurance.com IRDAI Reg No.109 CIN: U99999MH2000PLC128110 UIN: 109N127V10  ADV/2/22-23/3544

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

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

As you hustle in your day-to-day life, your dreams offer you escape from reality and fill you with hope. While you carry on with your responsibilities, dreams are what keep you going – whether it’s your first house, a luxury car, or starting your own business. Your luxury car should just not be an image on your phone, your start-up should not just be a presentation in your laptop and your dream house should not be something you pass by every day.

Introducing the ABSLI Fixed Maturity Plan, a savings plan that provides life insurance cover and savings benefits to safeguard your family members fromfinancial crisis in case of an unfortunate event, while helping you accumulate lumpsum benefits to achieve all your dreams

Key Features:

• Guaranteed1 Maturity Benefit: Get guaranteed lumpsum benefit at maturity irrespective of market conditions.
  
• Financial Security for your loved ones: Get comprehensive risk cover in case of death of life insured.
  
• Flexibility: Choice of various Policy Terms & Sum Assured Multiples to suit your needs.
  
• Enhanced Benefit: Enhanced maturity benefit for higher premiums.
  

Check Your Eligibility

Deutsche Bank AG, India is a corporate agent of Aditya Birla Sun Life Insurance Company Limited under IRDAI Registration no. CA0020.Registered Address: Deutsche Bank AG, Deutsche Bank House, Hazarimal Somani Marg, Fort, Mumbai 400001, India. Participation by the Bank's clients in insurance products is purely on a voluntary basis.

The Trade Logo "Aditya Birla Capital" Displayed Above Is Owned By ADITYA BIRLA MANAGEMENT CORPORATION PRIVATE LIMITED (Trademark Owner) And Used By ADITYA BIRLA SUN LIFE INSURANCE COMPANY LIMITED (ABSLI) under the License.” This is a Non- Linked Non- Participating Individual Savings Life Insurance Plan. This Policy is underwritten by Aditya Birla Sun Life Insurance Company Limited (ABSLI). GST and any other applicable taxes will be added (extra) to Your premium/purchase price and levied as per extant tax laws. All the benefits are payable subject to the terms and conditions of the Policy. This product shall also be available for sales through online channel. All policy benefits are subject to policy being in force. “We”, “Us”, “Our” or “the Company” or “ABSLI” means Aditya Birla Sun Life Insurance Company Limited. “You” or “Your” means the Policyholder. For other terms and conditions, request your Agent Advisor or intermediaries for giving a detailed presentation of the product before concluding the sale. Should you need any further information from us, please contact us on the below mentioned address and numbers. For more details on risk factors, terms and conditions please read sales brochure carefully before concluding the sale. Aditya Birla Sun Life Insurance Company Limited. Registered Office: One World Center, Tower 1, 16th Floor, Jupiter Mill Compound, 841 Senapati Bapat Marg, Elphinstone Road, Mumbai - 400013. IRDAI Reg No.109 Call Centre: 1-800-270-7000 www.adityabirlasunlifeinsurance.com CIN: U99999MH2000PLC128110 UIN: 109N135V01. ADV/7/22-23/868

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

Aditya Birla Sun Life Insurance Assured Saving Plan 

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

Key Features 

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

Product Specification & Eligibility 

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

Coverage
All Individuals (Male | Female | Transgender)

Benefit Option
Lumpsum Payout at Policy Maturity

Minimum Annualized Premium
Single Pay: Rs.100,000
6-12 Pay: Rs.30,000

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

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

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

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

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

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

Minimum
18 years

Maximum
85 years
Single Pay Option B: 70 years

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

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

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

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

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

Accrued Loyalty Additions (if any) 

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

Disclaimer:

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

Aditya Birla Sun Life Insurance Company Limited Registered Office: One World Centre, Tower 1, 16th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai - 400 013. 1-800-270-7000 Website: www.adityabirlasunlifeinsurance.com IRDAI Reg No.109 CIN: U99999MH2000PLC128110 UIN: 109N134V06 ADV/2/22-23/3430

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

Aditya Birla Sun Life Insurance Nishchit Aayush Plan  

Aditya Birla Sun Life Insurance NISHCHIT AAYUSH Plan is a non-linked non-participating individual savings life insurance plan that provides life insurance cover with guaranteed regular income and lumpsum benefits. It empowers you to fulfil your life goals so that you can meet your responsibilities and financially secure your family even in your absence.

Key Features 

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

Product Specification & Eligibility 

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

Death Benefit is defined as higher of:

a) Sum Assured on Death
b) Surrender Benefit

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

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

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

Aditya Birla Sun Life Insurance Company Limited Registered Office: One World Centre, Tower 1, 16th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai - 400 013. 1-800-270-7000 Website: www.adityabirlasunlifeinsurance.com IRDAI Reg No.109 CIN: U99999MH2000PLC128110 UIN: 109N137V02 ADV/2/22-23/3431. 

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

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

Aditya Birla Sun Life Insurance 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:

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:

*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.

A traditional non - participating health insurance plan

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

Key Features:

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

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

Illustration

*Premium rates are exclusive of GST.

Plan at glance

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

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

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

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

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

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

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

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

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:

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:

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

Know more

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Deutsche Bank AG, India is a corporate agent of Aditya Birla Sun Life Insurance Company Limited under IRDAI Registration no. CA0020.
Registered Address: Deutsche Bank AG, Deutsche Bank House, Hazarimal Somani Marg, Fort, Mumbai 400001, India. Participation by the Bank's clients in insurance products is purely on a voluntary basis.
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.

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:

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:

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

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:

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.

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

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.

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

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

Benefits of Married Women's Property Act, 1874:

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

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

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

Use these simple thumb rules to find out.

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