Savings & Investment Plans are designed to help individuals and families build wealth over time while meeting short-term and long-term financial goals. These plans combine disciplined savings with investment opportunities, offering the potential for capital growth, income generation, and financial security. They are ideal for those who want to plan for milestones such as education, retirement, or major purchases.

Why buy ABSLI Nishchit Laabh Plan?

ABSLI Nishchit Laabh Plan provides guaranteed^# returns with multiple flexibility and security for your family despite the ups and downs of life. It helps achieve life's goals by taking care of the expenses and burden of any uncertainty. The plan offers guaranteed^# lumpsum benefits and has regular income and moneyback option that one can choose depending on their saving needs.

Key Features

• Choice of 3 Plan Options – Endowment, Income with Lumpsum and Moneyback Option.
• Get Long-term guaranteed^# income for 20 or 30 years under Income with Lumpsum option
• Loyalty Additions to boost maturity corpus, survival benefits as per the chosen plan option.
• Guaranteed^# Lumpsum Benefit at Maturity of the policy.
• Flexibility to Build Your Own Plan with choice of plan option, premium payment term, policy term.
• Get Assured protection with life cover across policy term.

What Is ABSLI NISHCHIT AAYUSH Plan?

ABSLI NISHCHIT AAYUSH Plan is a non-linked non-participating individual savings life insurance plan that provides life insurance cover with guaranteed¹ 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

• Guaranteed Income from 1st /2nd /3rd /4th /5th /6th Policy Anniversary till end of policy term.
• 5 Income Variants to choose as per your needs
• Lumpsum Benefit at policy maturity^²
• Life Cover across policy term

Opting Riders With Your Policy Is like Wearing A Shield After Wearing The Mask

Riders offer additional benefits that are not included in the base policy at a nominal additional premium. There are exclusions attached to the riders. Please refer prospectus for more details

Choice Of Benefit Option And Payout Frequency

You can choose the tenure of income benefit between Long Term Income or Whole life Income. You can choose monthly, quarterly, semi-annually, and annual payout.

Choice Of Payout Time

You can start getting income payouts immediately, i.e. next day onwards(Annually in Advance) at 1?? monthly anniversary (monthly mode) or from 1`?? to 6?? Policy Anniversary till the end of the policy term as per chosen income payout frequency and deferment period at the time of inception.

Choice Of Income Variant And Lumpsum Benefit

You can choose between 5 Income Variant and Lumpsum Benefit options - Level income with Lumpsum benefit, Level Income with Enhanced Lumpsum Benefit, Increasing Income with Lumpsum Benefit, Level Income with Return of Premium Benefit, Income only Benefit.

Flexibility to choose Sum Assured

You can choose Sum Assured between 5 times, 7 times or 10 times the Annualized Premium.

What's Not Covered Under ABSLI NISHCHIT AAYUSH Plan?

Suicide Exclusion

If the Life Insured dies by suicide within 12 months of the effective date of risk commencement or the date of revival of policy, the policy shall terminate immediately. In such cases, the Company shall pay higher of Surrender Value or (total premiums paid plus underwriting extra premiums paid plus loadings for modal premiums paid excluding applicable taxes) in case the policy has acquired a surrender value; or Total premiums Paid plus underwriting extra premiums paid plus loadings for modal premiums paid excluding applicable taxes in case the policy has not acquired a surrender value.

Why Buy ABSLI Assured Income Plus?

Aditya Birla Sun Life Insurance Assured Income Plus gives you life cover and assured income for the long term. Make savings easy and convenient.

Key Features

• Fully Guaranteed² Returns on your investment.
• Long-term regular income for 20, 25 or 30 years to ensure fulfilment of recurring needs.
• 2 Options to choose benefits under the policy, Income Only Benefit or Income with Lumpsum Benefit.
• Loyalty Additions as an additional boost to the Income Benefit pay out.
• Flexibility to receive a discounted value of future survival benefits as a lumpsum based on your needs
• Option to enhance your cover with appropriate riders.

Benefits Of ABSLI Assured Income Plus

ABSLI Assured Income Plus gives you the benefit of guaranteed² regular income long into the future.

What’s Not Covered?

If the Life Insured dies by suicide within 12 months of the effective date of risk commencement or the date of revival of Policy, the Policy shall terminate immediately. In such cases, the Company shall pay higher of Surrender Value or (total premiums paid plus underwriting extra premiums paid plus loadings for modal premiums paid excluding applicable taxes) in case the Policy has acquired a surrender value; or Total Premiums Paid plus underwriting extra premiums paid plus loadings for modal premiums paid excluding applicable taxes in case the Policy has not acquired a surrender value.

Can policyholders avail tax benefits under ABSLI Assured Income Plus?

As per extant tax laws, this plan offers tax benefits under Section 80C, 80D (for specific rider premium) and Section 10(10D) of the Income Tax Act, 1961, subject to fulfilment of the other conditions of the respective sections prescribed therein. Please note that all the tax benefits are subject to tax laws prevailing at the time of payment of premium or receipt of benefits by policyholder. It is advisable to seek independent tax advice.

Why Buy ABSLI SecurePlus Plan?

Aditya Birla Sun Life Insurance SecurePlus Plan helps keep your income at pace with your needs and goals that secures your financial future.

After how many days of claim should the dependents intimate the claim to insurance companies?

All the claims under the ABSLI Assured Income Plus must be intimated as soon as possible. Followed with the claim intimation, the necessary documents should be submitted enabling the insurance company to process the claim. The claim intimation should contain details like date, place and cause of death.

Who can intimate the claims under ABSLI Assured Income Plus?

The surviving nominee/appointee/policy owner or legal heir can intimate the claim under ABSLI Assured Income Plus.

Why Buy ABSLI SecurePlus Plan?

Aditya Birla Sun Life Insurance SecurePlus Plan helps keep your income at pace with your needs and goals that secures your financial future.

Key Features

• Guaranteed² Income: Get regular flow of guaranteed² income for your chosen Benefit Payout Period to safeguard your savings.
• Loyalty Additions: Loyalty Additions as an additional boost to your Income Benefit pay-out
• Commutation Option: Flexibility to receive a discounted value of future survival benefits as a lump sum based on your needs.
• Customizable Benefits: Option to enhance your insurance cover through riders, which are available at a nominal extra cost.

Benefits Of ABSLI SecurePlus Plan

ABSLI Assured Income Plus benefits you with guaranteed² regular income for the long term in future.

Why Buy ABSLI Assured Savings Plan?

Aditya Birla Sun Life Insurance Assured Savings Plan provides life insurance cover with guaranteed savings. This plan offers lump sum benefits at maturity along with loyalty additions to financially support your family in case of any unfortunate event.

Key Features

• Loyalty Additions to boost maturity corpus.
• Option to cover your spouse by choosing Joint Life Protection.
• Comprehensive life insurance cover.
• Guaranteed¹ maturity benefits
• Option to enhance your cover with riders.

Benefits Of ABSLI Assured Savings Plan

ABSLI Assured Savings Plan for life cover and savings, to manage crises in life.

Savings Plan Without Riders Is Insufficient Cover

Make your plan better with rider³ plans and save smart.

Why Buy ABSLI Guaranteed Milestone Plan?

Aditya Birla Sun Life Insurance Guaranteed Milestone Plan provides life cover with fully guaranteed ^# financial benefits on death or maturity and helps you plan for your non-negotiable life goals.

Key Features

• Guaranteed Benefits: Fully guaranteed# benefits on death or maturity.
• Guaranteed Additions: Guaranteed# Additions that boosts your corpus year on year.
• Joint Life Cover Option: Flexibility to cover your spouse also by choosing Joint Life Protection by paying an additional premium.
• Rider Options: Flexibility to enhance your insurance cover with appropriate rider2 options by paying an additional premium.

Suicide Exclusion

If the Life Insured dies by suicide within 12 months of the effective date of risk commencement or the date of revival of Policy, the Policy shall terminate immediately. In such cases, the Company shall pay higher of Surrender Value or (total premiums paid plus underwriting extra premiums paid plus loadings for modal premiums paid excluding applicable taxes) in case the Policy has acquired a surrender value; or Total Premiums Paid plus underwriting extra premiums paid plus loadings for modal premiums paid excluding applicable taxes in case the Policy has not acquired a surrender value.

For Joint Life Protection, the suicide exclusion described above applies in the event of earlier death of either the Primary Life Insured or the Secondary Life Insured and the policy is terminated.