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

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

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

Cut your taxes. Not your salary.

How to save tax?
Save tax with a suite of tax saving solutions provided by Deutsche Bank and put your earnings to better use.Know more

Unit Linked Insurance Plans

ABSLI Wealth Secure Plan

  • ABSLI Wealth Secure Plan is a plan that ensures you meet your family’s dreams by picking out an investment option that best suits your requirement and also financially secures your family with whole life cover.
  • You love your family and feel responsible towards them in every way. You work hard to provide for them and to fulfill their dreams. What you need is an investment option that helps you shoulder your responsibility towards your family at all stages of your life. To ease your responsibility and to give you a tailor-made investment option for your needs at each new milestone of your life, you need a plan that fosters your financial growth while giving you a whole life cover that secures your family’s future.
  • You have an option of increasing your life cover by up to 300% of the minimum basic sum assured.
  • You choose options from Systematic Transfer Option, Life Cycle Option and Self Managed Option.

Entry Age 1 to 60 years of age
Policy Term Whole Life
Minimum Basic Sum Assured (BSA) Entry age below 45: The higher of 10 or the number of years to attain age 70 divided by 2.
Entry age above 45: The higher of 7 or the number of years to attain age 70 divided by 4.
Guaranteed Additions Additional units will be added to your policy:
On the 10th policy anniversary and in every 5th policy anniversary. Guaranteed addition is 2% of the basic premium paid in last 60 months.
On 11th anniversary and every policy anniversary thereafter. Guaranteed addition is 0.20% of the average fund value in the last 12 months.
Death Benefit The fund value as on date of intimation of death or the basic sum assured whichever is greater, reduced for partial withdrawal.
In addition, the nominee shall also receive the greater of
• Top-up fund value as on date of intimation of death; or
• Top-up sum assured
Maturity Benefit Being a whole life plan, there is no maturity benefit.
Surrender Benefit Incase of emergencies, policy can be surrendered anytime during the policy term but it will be treated as complete withdrawal under the policy discontinuance section.
*Policy proceeds payable only on the date corresponding to the fifth policy anniversary.
Loan Benefit Policy loan is not allowed under this plan.
Premium Payment
Options

Rs. 20,000 p.a. if paid annually
Rs. 30,000 p.a. if paid semi-annually
Rs. 60,000 p.a. if paid monthly or quarterly.

Pay Term 5 to 30 years, subject to minimum age of 18 years or more at the end of the premium paying term;
maximum age of 75 years or less at the end of the premium paying term.
Top up premium Minimum Rs. 5,000.
Maximum: Total top-up premiums paid cannot exceed the total basic premium paid to date.
Partial Withdrawals You can make partial withdrawals to meet any financial emergencies, anytime after the completion of five policy years.

ABSLI Wealth Secure Plan UIN No: 109L074V02

Know more



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. CIN: U99999MH2000PLC128110 Registration No. 109 ADV/6/14-15/8101.

ABSLI Wealth Assure Plan

In this policy, Investment risk in the investment portfolio is borne by the policy holder. The linked insurance products do not offer any liquidity during the first five years of the contract. The policy holder will not be able to surrender / withdraw the monies invested in linked insurance products completely or partially till the end of the fifth year.

ABSLI Wealth Assure Plan

  • You have worked hard for a better future, now it is time you make your money work harder for you, while assuring the security of your family and the fulfillment of your dreams.
  • ABSLI Wealth Assure Plan is a protection and savings plan that enables your wealth to grow steadily over time, providing you and your family with a secure financial future to meet your needs at different stages of life.
  • ABSLI Wealth Assure Plan gives you 3 investment options, Life Cycle Option, Systematic Transfer Option and Self-Managed Option.
  • Top-up Premium: The minimum top-up premium amount is Rs. 5,000 and the policy acquires top-up sum assured on paying top-up premium.
  • Option to make partial withdrawals.

Entry Age 8 to 65 years of age
Policy Term 10, 15, 20, 25, 30 years
Minimum Basic Sum Assured (BSA) Entry age below 45: The higher of 10 years or the Policy Term divided by 2.
Entry age above 45: The higher of 10 years or the Policy Term divided by 4.
Guaranteed Additions Additional units will be added to your policy:
From the 6th to 10th policy anniversary. Guaranteed addition is 0.25% of the average fund value in the last 12 months.
From 11th to 15th policy anniversary. Guaranteed addition is 0.55% of the average fund value in the last 12 months.
16th policy anniversary onwards. Guaranteed Addition is 0.75% of the average fund value in the last 12 months.
Death Benefit Basic Sum Assured plus
The basic fund value as on the date of intimation of death.
In addition, the nominee shall also receive
• Top-up fund value as on date of intimation of death; plus
• Top-up sum assured if any.
Surrender Benefit Fund value is received after 5 years.
Maturity Benefit Fund value will be received.
Maximum Maturity Age 75 years of age.
Pay Term 5 years.
Basic Premium

Minimum Rs. 100,000 if paid annually
Minimum Rs. 180,000 p.a. if paid monthly.

Pay Mode Monthly, annually.
Top up premium Minimum Rs. 5,000.
Partial Withdrawals You can make unlimited partial withdrawals, anytime after 5 years, provided the life insured is 18 years or more.

ABSLI Wealth Assure Plan UIN No: 109L076V02

Know more



Aditya Birla Sun Life Insurance and ABSLI Wealth Assure Plan are only the names of the Company and Policy respectively and do not in any way indicate their quality, future prospects or returns. Registration no. 109 Corporate Identity Number: U99999MH2000PLC128110 ADV/9/16-17/9940.

ABSLI Fortune Elite 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 Benefits :

  • Flexibility to choose policy term of 20, 25, 30, 35 and 40 years.
  • Flexibility to choose premium paying terms of 5, 10, 15 and 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.

Entry Age 1 to 55 years (subject to max maturity age of 75 years).
Policy Term 20, 25, 30, 35 and 40 years.
Minimum Basic Sum Assured (BSA) Rs. 750,000
Guaranteed Additions In the form of additional units will be added to your policy:
On the 10th policy anniversary and on every 5th policy anniversary thereafter, Guaranteed addition is 2.00% of the total premiums paid in last 60 months.
In addition on 11th policy anniversary and every policy anniversary thereafter, Guaranteed addition is 0.35% of the average fund value in the last 12 months.
Death Benefit In the unfortunate event the life insured dies while the policy is in effect, ABSLI will pay to the nominee the greater of basic fund value as on date of intimation of death; or basic sum assured.
In addition ABSLI will also pay the greater of
• Top-up fund value as on date of intimation of death; or
• Top-up sum assured
Maturity Benefit Fund value will be received.
Surrender Benefit If policy is surrendered after 5 policy years, fund value will be paid immediately. If policy is surrendered during first 5 policy years, fund value will be paid at end of 5th policy year.
Maximum Maturity Age 75 years of age.
Pay Term 5, 10, 15 and 20 years.
Basic Premium Rs. 75,000
Pay Mode Monthly and annual.
Top up premium Minimum Rs. 5,000.
Partial Withdrawals You can make unlimited partial withdrawals, anytime after
5 years provided life insured is 18 years of age.

ABSLI Fortune Elite Plan UIN No: 109L090V01

Know more



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. Registration No. 109 ADV/7/15-16/8148.

Traditional Plans

ABSLI Income Assured Plan

  • The ABSLI Income Assured Plan can be suitable for you, if your key objective is secured savings, regular income and comprehensive financial protection for your family.
  • A traditional, non-participating, savings plan; this plan offers assured income (payable from the end of the premium paying term till maturity) and life insurance benefits.

The ABSLI Income Assured Plan offers:

  • Assured Income - 8% of the sum assured per annum payable monthly starting after the premium paying term till the maturity of the policy.
    • Option to accrue the assured income and receive it as a lump sum at the end of policy term. The receivable assured income will be enhanced by 137.5% (for policy terms of 15, 17 and 20 years) and 175% (for policy terms of 22 and 25 years)
  • Guaranteed additions will be added to your policy at the beginning of each quarter after the completion of the premium-payment term, until policy maturity date. Guaranteed additions per annum as a percentage of sum assured for the various premium paying term are given below:

Premium-Paying Term Guaranteed Additions
5 years 7%
7 years 8.5%
10 years 10%


Entry Age (age on last birthday) 8 to 60 years of age (subject to maximum attained age of 75 years at the end of the policy term)
Premium Paying Term 5 years for 15 year policy term
7 years for 17 | 22 year policy term
10 years for 20 | 25 years policy term
Policy Term 15, 17, 20, 22 and 25 years
Sum Assured Band Band 1: Rs. 100,000 to 199,999
Band 2: Rs. 200,000 to 399,999
Band 3: Rs. 400,000 +
Death Benefit Sum assured on death plus guaranteed additions accrued to date of death plus
Increased accrued assured income if opted for sum assured on death is maximum of sum assured or 10 times the annual premium (premiums payable in a year) throughout the premium paying term or 105% of total premiums paid to date excluding Tax and Cess, any applicable rider premiums and underwriting extras, if any
Maturity Benefit Sum assured plus
Guaranteed additions accrued to date plus
Increased accrued assured income if opted for
Surrender Benefit The policy will acquire a surrender value after all due premiums for at least two full policy years are paid (three full policy years for 10 year premium paying term)
Loan Benefit You can avail loan on your policy.
The minimum loan amount is Rs. 5,000
and maximum is 85% of the surrender value.
Minimum Sum Assured Rs. 100,000
Premium Frequency Annual, semi-annual, quarterly, monthly (all modes except annual allowed through ECS only)
Rider Options ABSLI Waiver of Premium Rider

ABSLI Income Assured Plan UIN No: 109N089V01

Know more



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. This brochure contains only the salient features of the plan. 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 allow us in making your dreams come true.
Registration No. 109 ADV/6/14-15/8101.

ABSLI Vision Life Income Plan

  • In the world of growing responsibilities it is very important to plan all the stages and milestones of life. And, to supplement these efforts we sometimes wish for extra source of regular income.
  • ABSLI Vision Life Income Plan is a traditional participating whole life plan for you that helps you not only plan your financial goals but also realize your dreams by providing you with a steady income and whole life cover. With survival benefits payable every year from the end of the premium paying term till maturity and a life insurance benefit, this plan offers a perfect blend of income and financial protection for you and your family.
  • You choose the sum assured (which is the amount of life insurance cover), premium paying term (which is from 15 to 40 years) and the mode of payment of premiums.

Entry Age 1 to 60 years of age
Policy Term Whole life to age 100
Death Benefit In the unfortunate event of the death of the life insured during the premium paying term, we shall pay to the nominee: Sum assured; plus
Accrued bonuses as of date of death; plus
Terminal bonus (if any).

In the event the life insured dies after the premium paying term, we shall pay to the nominee: Sum assured; plus
Bonus from the current policy year; plus
Terminal bonus (if any).
Survival Benefit In the event the life insured survives to the end of the premium paying term, we shall pay to you: Accrued bonuses till date

In the event the life insured survives to the end of each subsequent policy year, we shall pay to you : Income benefit of 5.0% of Sum assured; plus
Bonus from the current policy year
Maturity Benefit Sum assured and terminal bonus (if any) will be received.
Loan Benefit Loan against policy can be acquired.
Minimum loan amount: Rs. 5,000.
Maximum loan amount: 85% of surrender value.
Premium Paying Term
Minimum
Maximum

15 to 40 years
Attained age end of premium paying term is 18 or more
Attained age end of premium paying term is 75 or less

Minimum Sum Assured Rs. 200,000
Minimum Premium Rs. 18,000
Premium Frequency Monthly, quarterly, semi-annually, annually.
Rider Options ABSLI Sun Life Surgical Care Rider UIN: 109B015V03
ABSLI Hospital Care Rider UIN: 109B016V03
ABSLI Wavier of Premium Rider UIN: 109B017V02
ABSLI Accidental Death and Disability UIN: 109B018V03
ABSLI Critical Illness Rider UIN: 109B019V03

ABSLI Vision Life Income Plan UIN No: 109NO79V02

Know more



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. For further 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. 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. CIN: U99999MH2000PLC128110 Registration no. 109 ADV/9/16-17/9958

ABSLI Vision Endowment Plan

  • Since nothing in life is guaranteed, it is great to find some things that are. If your key objective is secured savings and providing your family with comprehensive financial protection, here is a plan for you which promise’s you the reassurance that you will get back more than what you have invested.
  • ABSLI Vision Endowment assures growth in your savings and return of your money so you can build a safe and financially sound future for your family.

Entry Age (age on last birthday) 1 to 55 years of age
Policy Term 20 years
Sum Assured Band Band 1: Rs. 100,000 to 199,999
Band 2: Rs. 200,000 to 399,999
Band 3: Rs. 400,000 to 799,999
Band 4: Rs. 800,000+
Death Benefit Sum assured plus
Accrued bonuses as on date of death plus
Terminal bonus (if any).
In the event the life insured dies due to an accident, we shall pay an additional sum assured (subject to a maximum of one crore) as additional death benefit.
Maturity Benefit In the event the life insured survives to the end of the policy term, you shall be entitled to a maturity benefit.
• Maturity sum assured; plus
• Accrued bonus till date; plus
• Terminal bonus (if any)

Maturity sum assured is sum of all premiums paid till date excluding service tax and rider premium or underwriting extra (if any).
Surrender Benefit Guaranteed surrender value is 30% of the
premiums paid excluding premiums paid
in the first year.
Loan Benefit You can avail loan on your policy.
The minimum loan amount is Rs. 5,000
and maximum is 90% of the surrender value.
Premium Paying Term 7 to 10 years
Minimum Premium Rs. 10,000
Premium Frequency Monthly, semi-annually, annually.

ABSLI Vision Endowment Plan UIN No: 109N080V01

Know more


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. Service Tax and Education Cess 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 read the sales brochure carefully before concluding the sale. Tax benefits are subject to changes in the tax laws. Insurance is the subject matter of the solicitation.
CIN: U99999MH2000PLC128110. Registration No. 109 ADV/6/14-15/8122.

ABSLI Vision LifeSecure Plan

  • This plan is designed to provide financial protection for you and your family. With the flexibility to decide your policy term, you can enjoy life protection upto the age of 100 and steady growth of your savings over time.
  • ABSLI Vision LifeSecure plan offers you growth of your savings with regular bonuses throughout the policy term starting from the first policy year.

Entry Age 1 to 60 years of age
Policy Term 15 to 35 years
Minimum Attained age end of policy term is 18 or more.
Maximum Attained age end of policy term is 75 or less.
Death Benefit Guaranteed death benefit; plus
Accrued regular bonuses as on date of death; plus
Terminal bonus, if any.
Maturity Benefit In the event that the life insured lives until the end of the policy term, the following shall be paid :
• Sum assured, plus
• Accrued regular bonuses, plus
• Terminal bonus, if any.
The policy continues even after the maturity benefit is paid.
Loan Benefit Loan against policy can be acquired.
Minimum loan amount is Rs. 5,000
and maximum is 85% of the surrender value.

In the event the life insured survives to the end of the policy term, the insurance cover will continue till the life insured attains age 100. In case of death during this period or survival to age 100, if earlier, the guaranteed death benefit shall be payable. Guaranteed death benefit is higher of sum assured or 10 times the annual premium payable.
Premium Paying Term Regular pay
Minimum Sum Assured Rs. 200,000
Minimum Premium Rs. 12,000 p.a
Premium Frequency Monthly, quarterly, semi-annually, annually.
Rider Options ABSLI Accidental Death and Disability Rider
(UIN: 109B018V02)
ABSLI Critical Illness Rider (UIN: 109B019V02)
ABSLI Surgical Care Rider (UIN: 109B015V02)
ABSLI Hospital Care Rider (UIN: 109B016V02)
ABSLI Waiver of Premium Rider (UIN: 109B017V02)

ABSLI Vision LifeSecure Plan UIN No: 109N087V01

Know more


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. Service Tax and Education Cess 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 more details on risk factors, terms & conditions, please read the sales brochure carefully before concluding the sale. Tax benefits are subject to changes in the tax laws. Insurance is the subject matter of the solicitation.
CIN: U99999MH2000PLC128110 Registration No. 109 ADV/7/15-16/8147.

ABSLI SecurePlus Plan

As you move forward in life, financial requirements pertaining to the well being of you and your family becomes a major catalyst in your life. You want to provide the best of everything to your loved ones. However, in these turbulent times of economic instability, there is a risk of your income not keeping pace with your needs and goals. In such times a second guaranteed income proves to be bliss.

ABSLI SecurePlus Plan recognizes the importance of such needs and helps you fulfill them by offering you a second income which ensures peace of mind.

Key Benefits :

  • 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 annual premium for 6 years*.
    Option B - if you want to receive income benefit equal to 200% of annual premium for 12 years*.
  • Inbuilt accidental death benefit.
  • Enhance your insurance with appropriate rider options.

Entry Age 5 years - 50 years (age last birthday)
Maximum Maturity Age 63 years (age last birthday)
Policy Term 13 years
Premium Paying Term

12 years

Minimum Premium Rs. 50,000
Payment Period • For income benefit option A - 6 years
Paid at the end of each year after completion of the policy term

• For income benefit option B - 12 years
Paid at the end of each year after completion of the policy term
Sum Assured Sum assured will be determined based on your entry age and the premium amount you commit to pay in a policy year.
Minimum Sum Assured Rs. 725,000
Premium Mode Annual

ABSLI SecurePlus Plan UIN No: 109N102V01

Know more

*Excluding service tax and cess, any applicable rider premiums and underwriting extras, if any.


B1, 5th Floor, Nirlon Knowledge Park, Goregaon East, Mumbai - 400063, Off Western Express Highway. This policy is underwritten by Aditya Birla Sun Life Insurance Company Limited (ABSLI). This is a non-participating traditional insurance plan. All terms and conditions are guaranteed throughout the policy term. For more details and clarification call your ABSLI Insurance Advisor or visit our website.
CIN: U99999MH2000PLC128110 Registration No. 109. ADV/9/16-17/9918 VER1/JUN/2016.

Retirement Plans

ABSLI Empower Pension Plan

  • ABSLI Empower Pension Plan is a unit linked non participating pension plan. A plan especially designed for you to ensure that you remain in control of your destiny even during the second innings of life.
  • ABSLI Empower Pension Plan helps you to accumulate your premiums and the investment returns into a corpus for your retirement; so that you can focus on your goals and enhance your savings for a secured future.
  • You choose your risk profile based on your risk appetite. (Aggressive / Moderate / Conservative)

Entry Age 25 to 70 years of age
Accumulation Period 5 to 30 years
Pay Term Regular pay.
Basic Premium Minimum Rs. 18,000 p.a. if paid annually, Rs. 24,000 p.a. semi-annually,
Rs. 30,000 p.a. quarterly and Rs. 36,000 p.a. monthly.
Guaranteed Additions Additional units will be added to your policy:
On the 6th policy anniversary and every policy anniversary
thereafter, guaranteed addition is 0.25% of the average
Fund value in the last 12 months; plus On the 11th policy anniversary and
every policy anniversary thereafter, guaranteed addition is 0.35% of
the average fund value in the last 12 months; plus
On the 16th policy anniversary and every policy anniversary thereafter, guaranteed addition is 0.35% of the average fund value in the last 12 months.
Death Benefit Greater of guaranteed death benefit or fund value as on date of intimation of death.
Surrender Benefit You can surrender your policy anytime after 5 years.
Loan Benefit Policy loan is not allowed under this plan.

ABSLI Empower Pension Plan UIN No: 109L078V02

Know more


In this policy, investment risk in investment portfolio is borne by the policyholder. 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. CIN: U99999MH2000PLC128110. Registration No. 109 ADV/6/14-15/8137.

Term Plans

ABSLI Future Guard Plan

ABSLI Future Guard Plan provides complete financial freedom even when you're not around, so that your loved ones live comfortably. This plan is ideal for you if you want an economical way of providing for life insurance cover and would like to protect your family in the unfortunate event of you not being around, yet receive all your premiums back on maturity. So you can enjoy life knowing that your family's future is secured and guaranteed even in your absence and your premiums are yours on your survival.

Key features of the plan:

  • Complete financial protection at an affordable cost.
  • Guarantee of at least return of premiums paid at the end of policy term.
  • Enhance your insurance with appropriate rider options.
  • Tax benefits as per prevailing norms under the Income Tax Act, 1961.

Eligibility:

Entry Age 18 to 65 years of age
Policy Term 10, 15, 20, 25 and 30 years,
subject to max age on maturity: 75 years
Premium Paying Term Regular pay
Premium Mode Monthly, quarterly, semi-annual, annual
Sum Assured Minimum - Rs. 500,000

Maximum - No limit

ABSLI Future Guard Plan UIN No: 109N077V02


CIN: U99999MH2000PLC128110 Reg.no.109. ADV/9/16-17/9935.

Married Women's Property Act

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

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

Benefits of Married Women's Property Act, 1874:

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

Human Life Value

What is “Human Life Value”?

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

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

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

Do you know your “Human Life Value”?

Use these simple thumb rules to find out.


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

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

Apply Now

Apply Online
SMS INS to 561615
Call 18602666601#

 

 

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

Conditions apply
Insurance is a subject matter of solicitation.

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

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

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

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

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

Disclaimer:

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

*Aditya Birla Sun Life Insurance and plans offered are only the names of the Company and Policy respectively and do not in any way indicate their quality, future prospects or returns. The name of the funds offered in this plan does not in any indicate their quality, future prospects or returns.

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

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

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

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

The policy is underwritten by Aditya Birla Sun Life Insurance Company Limited (ABSLI) and is a non-participating unit linked life insurance savings plan.The name of the funds offered in the plan does not in any way indicate their quality, future prospects or returns. The charges are guaranteed throughout the term of the policy unless specifically mentioned and subject to IRDA approval. The value of the investment fund reflects the value of the underlying investments. These investments are subject to market risks and change in fundamentals such as tax rates, etc affecting the investment portfolio. The premium paid in unit linked life insurance policies are subject to investment risk associated with capital markets and the unit price of the units may go up or down based on the performance of investment fund and factors influencing the capital market and the policyholder is responsible for his / her decisions. There is no guarantee or assurance of returns above the guaranteed returns from the investment funds. Service Tax and Education Cess and any other applicable taxes levied as per extant tax laws shall be deducted from the premium or from the allotted units as applicable. For more details on risk factors, terms and conditions please refer to the sales brochure carefully before concluding the sale. Tax benefits are subject to changes in the tax laws. In this policy, investment risk in investment portfolio is borne by the policyholder. Linked Insurance Products do not offer any liquidity during the first five years of the contract. The policyholder will not be able to withdraw / surrender the monies invested in Linked Insurance Products completely or partially till the end of the fifth year from inception Insurance is the subject matter of solicitation.
Regd. Office: Aditya Birla Sun Life Insurance Company Limited, One Indiabulls Centre, Tower 1, 16th Floor, Jupiter Mill Compound, 841 Senapati Bapat Marg, Elphinstone Road, Mumbai - 400013.          


IRDAI clarifies to public that IRDAI or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums. IRDAI does not announce any bonus. Public receiving such phone calls are requested to lodge a police complaint along with details of phone call number.
This website uses cookies in order to improve user experience. If you close this box or continue browsing on this website, we will assume you agree with this. For more information about cookies we use or to find out how to disable cookies, click here.