Aditya Birla Sun Life Insurance Company Limited

Life Insurance
Solutions for NRIs

Secure your family’s future in India, even while living abroad.

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98.65% Claim Settlement Ratio (FY 23-24)

Quick NRI Quote

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ISO Certified Processes
IRDAI Regulated
Trusted by 10 Lakh+ NRIs

Who is Eligible?

Life insurance plans are available for individuals classified as:
NRI
Non-Resident_Indian
PIO/OCI
Person of Indian Origin/Overseas Citizen of Indian
FNIO
Foreign Nationals with Indian Origin

NRIs residing in select countries may be eligible to purchase life insurance policies in India, subject to applicable guidelines and underwriting norms

Why Buy from India?

Purchasing life insurance in Indian can offer severl advantages for NRIs:

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Financial Protection for your family in India
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Cost-Effective Premiums cs. International Plans
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High returns with Market-Linked Growth
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Tax Benefits* under India Income Tax Laws
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Seamless INR Payouts & Repatriation

*Tax benefits are subject to applicable laws and may change from time to time

Namit Das | Indian Actor

Choose your Plan

Explore a range of life insurance solutions based on your financial goals

Term Plan

ABSLI Super Term Plan

  • Health Management Services Worth ₹74000²
  • 3 Plan options
  • 100% return of premium³
    Learn More
    Savings Plan

    ABSLI Super Term Plan

    • Health Management Services Worth ₹74000²
    • 3 Plan options
    • 100% return of premium³
      Learn More

      ABSLI Super Term Plan

      • Health Management Services Worth ₹74000²
      • 3 Plan options
      • 100% return of premium³
        Learn More

        Why ABSLI?

        ABSLI empowers NRIs with compliant, structured solutions for sustainable wealth creation. Because true financial planning goes beyond borders.

        Ease of premium payment

        Executive NRI helpdesk

        Medical tie-ups

        Digital policy servicing

        97.38% Claim settlement ratio

        Premium Options & Policy Payouts

        Premium Payment Options

        NRI can pay premiums through approved banking channels, such as:
        • NRE (Non-resident External) accounts
        • NRO (Non-Resident Ordinary) accounts
        • FCNR (Foreign Currency Non-Resident) accounts
        • Foreign bank account as SWIFT

        Policy Payouts & Repatriation

        • Policy benefits are generally payable in India
        • Claims payouts are made to the nominee or beneficiary as per policy terms
        • Repatriation of proceeds , if applicable, is subject to RBI, FEMA and other regulatory guidelines

        Premiums can be paid as per policy terms using permitted modes, subject to regulatory guidelines

        Medical Examination & Documentation

        Depending on age, policy type, and sum as sured:

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        Medical examinations may be required
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        Medicals may be conducted in India or abroad at approved centres
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        Basic documentation such as identity proof, address proof, and income proof may be required

        Specific requirements are determined during the application process.

        Namit Das | Indian Actor
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        Indicative Taxation Guidance for NRIs

        Premiums paid may qualify for tax benefits under applicable sections of the Income Tax Act, subject to prevailing laws test

        Policy proceeds may also be eligible for tax exemptions, as per applicable conditions 

        *NRIs are advised to consult a tax advisor for detailed guidance.

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        98.65%

        Claim Settlement Ratio (FY 2024-25)

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        Exclusive

        24/7 NRI Helpdesk Support

        Frequently Asked Questions

        Yes, NRIs can apply for life insurance while residing overseas, subject to eligibility and underwriting guidelines. testt

        Premiums can be paid through permitted NRE/NRO/FCNR accounts.

        Medical requirements depend on age, policy type, and sum assured.

        Your policy continues as per terms and conditions, irrespective of residential status.

        Yes,it can be tax free subject to section 10-10(D), DTAA, prevailing tax law in country of residence

        Need more Information?

        absli.nrisales@adityabirlacapital.com

        #provided all due premiums are paid

        *Tax benefits are subject to changes in tax laws. Kindly consult your financial advisor for more details.

        **Sec 10(10D) benefit is available subject to fulfilment of conditions specified therein. Please note that we have provided our above views based on current interpretation of income tax provisions. Such interpretations may differ at customer’s consultant level. ABSLI shall not be responsible for tax positions adopted by customer.

        1As per annual audited figures submitted to IRDAI for the period FY 24-25 We are committed to help the customers by providing protection that can be relied upon in the time of need. This means that we will pay all claims covered by our policy terms and conditions. We promise to provide a decision on your claim within 15 days if the claim does not merits investigation and within 45 days if the claim merits investigation. Please Note: Aditya Birla Sun Life Insurance makes no apology for not paying claims that fall outside the policy terms and conditions, which are fraudulent in nature to safeguard the interests of all our genuine customers by helping to keep the protection and peace of mind that insurance provides affordable to all.

        2The perceived value of the health management services is ₹74000. The actual value may vary based on the extent of services availed by the customer.

        3as per the terms and conditions of the policy.

        ABSLI Super Term Plan - 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 3 (Level Cover with Return of Premium) this product shall be a non-linked non-participating individual savings life insurance plan. (UIN:109N153V02)

        ABSLI Nishchit Aayush Plan - This policy is underwritten by Aditya Birla Sun Life Insurance Company Limited (ABSLI). (UIN: 109N137V14)

        ABSLI Guaranteed Annuity Plus - This Policy is underwritten by Aditya Birla Sun Life Insurance Company Limited (ABSLI). This is a Non-Linked, Non-Participating, General Annuity Plan All terms & conditions are guaranteed# throughout the Policy Term. (UIN:109N132V17)

        ABSLI Wealth Infinia is a unit-linked non-participating individual life insurance savings plan. UIN: 109L129V03 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 money invested in Linked Insurance Products completely or partially till the end of the fifth year from inception. Linked insurance products are different from the traditional insurance products and are subject to the risk factors. The premium paid in linked insurance policies are subject to investment risks associated with capital markets. 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/her decisions. Aditya Birla Sun Life Insurance is only the name of the Life Insurance Company and ABSLI Wealth Infinia is only the name of the linked 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 intermediary or policy document issued by the insurance company. 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. Past performance is not necessarily an indication of future performance.

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