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Aditya Birla Sun Life Insurance Company Limited

ABSLI BSLI Capital Asured Tradition Plan Testing

A Complete Protection Solution for your family's financial future.

Pure Term & Return of Premium Options

Inbuilt Terminal Illness Benefit

Get ₹1 crore term insurance with guaranteed^# return of premium at Maturity^*

What is ABSLI Poorna Suraksha Kawach?

ABSLI Poorna Suraksha Kawach is a complete and comprehensive protection solution, specifically designed to fulfil your financial requirements and secure your family’s future in the face of uncertainties. In a world full of uncertainties, what remains constant is your desire to shield your loved ones from any contingencies. You strive to accommodate all the necessities of your family and look after their sense of well-being, happiness, and security. ABSLI Poorna Suraksha Kawach gives complete protection for your family`s financial future with multiple plan options to choose from.

Key Features

Multiple plan options

Inbuilt Terminal Illness Benefit

Accelerated Critical Illness Benefit against 42 listed Critical Illnesses.

Option to avail a ‘One time exit value’ for emergencies

Brochure Leaflet Policy Contract

Benefits of ABSLI Poorna Suraksha Kawach

An simple term plan that provides security to you and your loved ones against all unforeseen eventualities.

Death Benefit

In case of unfortunate demise of the Life Insured during the Policy Term.

Death Benefit

In case of unfortunate demise of the Life Insured during the Policy Term, the Death Benefit will be Sum Assured on Death payable in lump sum.

Plan Options

Level Cover Option

Option 1

Get a simplified protection cover to shield your family against unfortunate death of the Life Insured.

Level Cover Option

Option 2

Get a simplified protection cover to shield your family against unfortunate death of the Life Insured.

Term Plan with Riders offer Added Protection

You can enhance your insurance coverage during the Policy Term by adding following riders for a nominal extra cost.

ABSLI Accidental Death Benefit Rider Plus

(UIN: 109B018V03)

This rider provides 100% of Rider Sum Assured as an additional lump sum amount in case of death due to accident of Life Insured. Additionally, the rider premiums collected aﬅer the date of Accident till date of death, shall be refunded with interest, along with death benefit payable. This rider is only applicable for a Life Insured aged 18 years & above and the rider policy term cannot exceed the base policy term.

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ABSLI Accidental Death Benefit Rider Plus

(UIN: 109B018V03)

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ABSLI Accidental Death Benefit Rider Plus

(UIN: 109B018V03)

Download Brochure

ABSLI Accidental Death Benefit Rider Plus

(UIN: 109B018V03)

Download Brochure

ABSLI Accidental Death Benefit Rider Plus

(UIN: 109B018V03)

Download Brochure

How does ABSLI Akshaya Plan Work?

Learn with an example.

Use Case 1

Use Case 2

Mr. Sharma, aged 35 years, invests in ABSLI Akshaya Plan and chooses Benefit Option: ‘Long Term Income’.

Mr. Sharma paid the premium amount of ₹1,00,000 p.a. for a period of 10 years.

At the age of 65 years, Mr. Sharma will receive Sum Assured along with Terminal Bonus if any of ₹13,80,000@8% p.a. | ₹ 11,70,240 @4% p.a.

He chose to receive Cash Bonus Pay-out annually and Policy Term of 30 years.

Mr. Sharma survives through the Policy Term and receives Total Cash Bonus (if declared) of ₹11,19,456 @8% p.a. | ₹ 5,26,608 @4% p.a. throughout the Policy Term.

Why invest in ABSLI Poorna Suraksha Kawach?

Here are the top 4 reasons for you to consider this plan:

Choice of multiple Plan Options

Get comprehensive life insurance coverage to suit your varied needs

Return of Premium (RoP) or Early Return Of Premium Option (ERoP)

Secure your savings along with life insurance cover with Return and Early return of premium option

Flexible

Avail ‘One Time Exit Value’ and get back your premiums paid as a dependable support system in case of emergencies

Accelerated Critical Illness Benefit (ACI)

Covers 42 specified critical illnesses on payment of additional premium

How to initiate Claim?

3 quick steps, everything online.

Fill basic details

Claim intimation

Document submission

More About Claims

Whole Life Insurance with Cash Bonus

Buy ABSLI Akshaya Plan

Buy Online

Benefits of ABSLI Akshaya Plan

लिक्विड म्यूचुअल फंड:

विशेषताएं: त्वरित रिटर्न और उच्च तरलता के लिए अल्पकालिक प्रतिभूतियों में निवेश करें।
क्यों चुनें: आपातकालीन निधि या अल्पकालिक बचत के लिए आदर्श।

आवर्ती जमा (आरडी):

विशेषताएं: निश्चित ब्याज दरों के साथ 1 वर्ष के लिए नियमित जमा।
क्यों चुनें: सुनिश्चित रिटर्न के साथ अनुशासित बचत को प्रोत्साहित करता है।

ट्रेजरी बिल (टी-बिल):

विशेषताएँ: 91, 182 या 364 दिनों की परिपक्वता अवधि वाले सरकार समर्थित अल्पकालिक साधन।
क्यों चुनें: पूर्वानुमानित रिटर्न के साथ उच्च सुरक्षा।

आर्बिट्रेज म्यूचुअल फंड:

विशेषताएँ: कम जोखिम वाले रिटर्न के लिए इक्विटी में मूल्य अंतर का फायदा उठाएँ।
क्यों चुनें: कर-कुशल और अल्पकालिक लक्ष्यों के लिए उपयुक्त।

कॉर्पोरेट जमा:

विशेषताएँ: कंपनियों द्वारा पेश किए जाने वाले फिक्स्ड डिपॉजिट, आमतौर पर बैंकों की तुलना में अधिक ब्याज दरों के साथ।
क्यों चुनें: थोड़े अधिक जोखिम के साथ बेहतर रिटर्न।

Other Insurance Plans

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Premium Paying flexibility
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ABSLI Salaried Term Plan

Buy online and get additional 4% discount on all premiums

7 % discount for Men on premium paid for the 1st year

9 % discount for Women on premium paid for the 1st year

Buy ₹ 1 Cr Term Cover @492/month for Salaried Individuals¹

ABSLI DigiShield Plan

Think Term Plan. Smart Financial Security For Loved Ones.

Covid-19 covered

10 Plan Options

Buy ₹1 Crore Term Insurance at Just ₹542/month¹

Plan Options	Premium Paying Term	Minimum Policy Term	Maximum Policy Term	Min & Max Entry Age	Maximum Maturity Age	Sum Assured
Plan Option # 1 and 5	Single Pay	5 years	55 years	18 – 65 years	85 years	Min: Rs. 30 Lakhs Max: No Limit, subject to Board Approved Guidelines
	5 Pay	(PPT + 5) years		18 – 65 years
	7 Pay			18 – 65 years
	10 Pay			18 – 65 years
	12 Pay			18 – 65 years
	15 Pay			18 – 65 years
	20 Pay			18 – 60 years
	To age 60			18 – 54 years
	Regular Pay	10 years		18 – 65 years

Plan Option # 2	Single Pay	20 years	55 years	18 – 65 years	85 years	Min: Rs. 30 Lakhs Max: No Limit, subject to Board Approved Guidelines
	6 Pay
	8 Pay
	10 Pay
	Regular Pay	10 years

Plan Option # 3	Single Pay	20 years	55 years	18 – 65 years	85 years	Min: Rs. 30 Lakhs Max: No Limit, subject to Board Approved Guidelines
	6 Pay			18 - 64 years
	8 Pay			18 - 62 years
	10 Pay			18 - 60 years

Plan Option # 4	5 Pay	(PPT + 5) years	55 years	18 – 50 years	85 years	Min: Rs. 30 Lakhs Max: No Limit, subject to Board Approved Guidelines
	7 Pay			18 – 50 years
	10 Pay			18 – 50 years
	12 Pay			18 – 50 years
	15 Pay			18 – 50 years
	20 Pay			18 – 50 years
	To age 60	10 years		18 – 49 years
	Regular Pay	10 years		18 – 50 years
Plan Option # 6	Single Pay	11 years		18 – 65 years	85 years	Min: Rs. 30 Lakhs Max: No Limit, subject to Board Approved Guidelines
	5 Pay	11 years		18 – 65 years
	7 Pay	(PPT + 5) years	55 years	18 – 65 years
	10 Pay			18 – 65 years
	12 Pay			18 – 65 years
	15 Pay			18 – 65 years
	20 Pay			18 – 60 years
	To Age 60			18 – 54 years
	Regular Pay	11 years		18 – 65 years

Plan Options	Premium Paying Term	Minimum Policy Term	Maximum Policy Term	Min & Max Entry Age	Maximum Maturity Age	Sum Assured
Plan Option # 1 and 5	Single Pay	5 years	55 years	18 – 65 years	85 years	Min: Rs. 30 Lakhs Max: No Limit, subject to Board Approved Guidelines
	5 Pay	(PPT + 5) years		18 – 65 years
	7 Pay			18 – 65 years
	10 Pay			18 – 65 years
	12 Pay			18 – 65 years
	15 Pay			18 – 65 years
	20 Pay			18 – 60 years
	To age 60			18 – 54 years
	Regular Pay	10 years		18 – 65 years

Plan Option # 2	Single Pay	20 years	55 years	18 – 65 years	85 years	Min: Rs. 30 Lakhs Max: No Limit, subject to Board Approved Guidelines
	6 Pay
	8 Pay
	10 Pay
	Regular Pay	10 years

Plan Option # 3	Single Pay	20 years	55 years	18 – 65 years	85 years	Min: Rs. 30 Lakhs Max: No Limit, subject to Board Approved Guidelines
	6 Pay			18 - 64 years
	8 Pay			18 - 62 years
	10 Pay			18 - 60 years

Plan Option # 4	5 Pay	(PPT + 5) years	55 years	18 – 50 years	85 years	Min: Rs. 30 Lakhs Max: No Limit, subject to Board Approved Guidelines
	7 Pay			18 – 50 years
	10 Pay			18 – 50 years
	12 Pay			18 – 50 years
	15 Pay			18 – 50 years
	20 Pay			18 – 50 years
	To age 60	10 years		18 – 49 years
	Regular Pay	10 years		18 – 50 years
Plan Option # 6	Single Pay	11 years		18 – 65 years	85 years	Min: Rs. 30 Lakhs Max: No Limit, subject to Board Approved Guidelines
	5 Pay	11 years		18 – 65 years
	7 Pay	(PPT + 5) years	55 years	18 – 65 years
	10 Pay			18 – 65 years
	12 Pay			18 – 65 years
	15 Pay			18 – 65 years
	20 Pay			18 – 60 years
	To Age 60			18 – 54 years
	Regular Pay	11 years		18 – 65 years

Plan Options	Premium Paying Term	Minimum Policy Term	Maximum Policy Term	Min & Max Entry Age	Maximum Maturity Age	Sum Assured
Plan Option # 1 and 5	Single Pay	5 years	55 years	18 – 65 years	85 years	Min: Rs. 30 Lakhs Max: No Limit, subject to Board Approved Guidelines
	5 Pay	(PPT + 5) years		18 – 65 years
	7 Pay			18 – 65 years
	10 Pay			18 – 65 years
	12 Pay			18 – 65 years
	15 Pay			18 – 65 years
	20 Pay			18 – 60 years
	To age 60			18 – 54 years
	Regular Pay	10 years		18 – 65 years

Plan Option # 2	Single Pay	20 years	55 years	18 – 65 years	85 years	Min: Rs. 30 Lakhs Max: No Limit, subject to Board Approved Guidelines
	6 Pay
	8 Pay
	10 Pay
	Regular Pay	10 years

Plan Option # 3	Single Pay	20 years	55 years	18 – 65 years	85 years	Min: Rs. 30 Lakhs Max: No Limit, subject to Board Approved Guidelines
	6 Pay			18 - 64 years
	8 Pay			18 - 62 years
	10 Pay			18 - 60 years

Plan Option # 4	5 Pay	(PPT + 5) years	55 years	18 – 50 years	85 years	Min: Rs. 30 Lakhs Max: No Limit, subject to Board Approved Guidelines
	7 Pay			18 – 50 years
	10 Pay			18 – 50 years
	12 Pay			18 – 50 years
	15 Pay			18 – 50 years
	20 Pay			18 – 50 years
	To age 60	10 years		18 – 49 years
	Regular Pay	10 years		18 – 50 years
Plan Option # 6	Single Pay	11 years		18 – 65 years	85 years	Min: Rs. 30 Lakhs Max: No Limit, subject to Board Approved Guidelines
	5 Pay	11 years		18 – 65 years
	7 Pay	(PPT + 5) years	55 years	18 – 65 years
	10 Pay			18 – 65 years
	12 Pay			18 – 65 years
	15 Pay			18 – 65 years
	20 Pay			18 – 60 years
	To Age 60			18 – 54 years
	Regular Pay	11 years		18 – 65 years

Plan Options	Premium Paying Term	Minimum Policy Term	Maximum Policy Term	Min & Max Entry Age	Maximum Maturity Age	Sum Assured
Plan Option # 1 and 5	Single Pay	5 years	55 years	18 – 65 years	85 years	Min: Rs. 30 Lakhs Max: No Limit, subject to Board Approved Guidelines
	5 Pay	(PPT + 5) years		18 – 65 years
	7 Pay			18 – 65 years
	10 Pay			18 – 65 years
	12 Pay			18 – 65 years
	15 Pay			18 – 65 years
	20 Pay			18 – 60 years
	To age 60			18 – 54 years
	Regular Pay	10 years		18 – 65 years

Plan Option # 2	Single Pay	20 years	55 years	18 – 65 years	85 years	Min: Rs. 30 Lakhs Max: No Limit, subject to Board Approved Guidelines
	6 Pay
	8 Pay
	10 Pay
	Regular Pay	10 years

Plan Option # 3	Single Pay	20 years	55 years	18 – 65 years	85 years	Min: Rs. 30 Lakhs Max: No Limit, subject to Board Approved Guidelines
	6 Pay			18 - 64 years
	8 Pay			18 - 62 years
	10 Pay			18 - 60 years

Plan Option # 4	5 Pay	(PPT + 5) years	55 years	18 – 50 years	85 years	Min: Rs. 30 Lakhs Max: No Limit, subject to Board Approved Guidelines
	7 Pay			18 – 50 years
	10 Pay			18 – 50 years
	12 Pay			18 – 50 years
	15 Pay			18 – 50 years
	20 Pay			18 – 50 years
	To age 60	10 years		18 – 49 years
	Regular Pay	10 years		18 – 50 years
Plan Option # 6	Single Pay	11 years		18 – 65 years	85 years	Min: Rs. 30 Lakhs Max: No Limit, subject to Board Approved Guidelines
	5 Pay	11 years		18 – 65 years
	7 Pay	(PPT + 5) years	55 years	18 – 65 years
	10 Pay			18 – 65 years
	12 Pay			18 – 65 years
	15 Pay			18 – 65 years
	20 Pay			18 – 60 years
	To Age 60			18 – 54 years
	Regular Pay	11 years		18 – 65 years

Plan Options	Premium Paying Term	Minimum Policy Term	Maximum Policy Term	Min & Max Entry Age	Maximum Maturity Age	Sum Assured
Plan Option # 1 and 5	Single Pay	5 years	55 years	18 – 65 years	85 years	Min: Rs. 30 Lakhs Max: No Limit, subject to Board Approved Guidelines
	5 Pay	(PPT + 5) years		18 – 65 years
	7 Pay			18 – 65 years
	10 Pay			18 – 65 years
	12 Pay			18 – 65 years
	15 Pay			18 – 65 years
	20 Pay			18 – 60 years
	To age 60			18 – 54 years
	Regular Pay	10 years		18 – 65 years

Plan Option # 2	Single Pay	20 years	55 years	18 – 65 years	85 years	Min: Rs. 30 Lakhs Max: No Limit, subject to Board Approved Guidelines
	6 Pay
	8 Pay
	10 Pay
	Regular Pay	10 years

Plan Option # 3	Single Pay	20 years	55 years	18 – 65 years	85 years	Min: Rs. 30 Lakhs Max: No Limit, subject to Board Approved Guidelines
	6 Pay			18 - 64 years
	8 Pay			18 - 62 years
	10 Pay			18 - 60 years

Plan Option # 4	5 Pay	(PPT + 5) years	55 years	18 – 50 years	85 years	Min: Rs. 30 Lakhs Max: No Limit, subject to Board Approved Guidelines
	7 Pay			18 – 50 years
	10 Pay			18 – 50 years
	12 Pay			18 – 50 years
	15 Pay			18 – 50 years
	20 Pay			18 – 50 years
	To age 60	10 years		18 – 49 years
	Regular Pay	10 years		18 – 50 years
Plan Option # 6	Single Pay	11 years		18 – 65 years	85 years	Min: Rs. 30 Lakhs Max: No Limit, subject to Board Approved Guidelines
	5 Pay	11 years		18 – 65 years
	7 Pay	(PPT + 5) years	55 years	18 – 65 years
	10 Pay			18 – 65 years
	12 Pay			18 – 65 years
	15 Pay			18 – 65 years
	20 Pay			18 – 60 years
	To Age 60			18 – 54 years
	Regular Pay	11 years		18 – 65 years

Plan Options	Premium Paying Term	Minimum Policy Term	Maximum Policy Term	Min & Max Entry Age	Maximum Maturity Age	Sum Assured
Plan Option # 1 and 5	Single Pay	5 years	55 years	18 – 65 years	85 years	Min: Rs. 30 Lakhs Max: No Limit, subject to Board Approved Guidelines
	5 Pay	(PPT + 5) years		18 – 65 years
	7 Pay			18 – 65 years
	10 Pay			18 – 65 years
	12 Pay			18 – 65 years
	15 Pay			18 – 65 years
	20 Pay			18 – 60 years
	To age 60			18 – 54 years
	Regular Pay	10 years		18 – 65 years

Plan Option # 2	Single Pay	20 years	55 years	18 – 65 years	85 years	Min: Rs. 30 Lakhs Max: No Limit, subject to Board Approved Guidelines
	6 Pay
	8 Pay
	10 Pay
	Regular Pay	10 years

Plan Option # 3	Single Pay	20 years	55 years	18 – 65 years	85 years	Min: Rs. 30 Lakhs Max: No Limit, subject to Board Approved Guidelines
	6 Pay			18 - 64 years
	8 Pay			18 - 62 years
	10 Pay			18 - 60 years

Plan Option # 4	5 Pay	(PPT + 5) years	55 years	18 – 50 years	85 years	Min: Rs. 30 Lakhs Max: No Limit, subject to Board Approved Guidelines
	7 Pay			18 – 50 years
	10 Pay			18 – 50 years
	12 Pay			18 – 50 years
	15 Pay			18 – 50 years
	20 Pay			18 – 50 years
	To age 60	10 years		18 – 49 years
	Regular Pay	10 years		18 – 50 years
Plan Option # 6	Single Pay	11 years		18 – 65 years	85 years	Min: Rs. 30 Lakhs Max: No Limit, subject to Board Approved Guidelines
	5 Pay	11 years		18 – 65 years
	7 Pay	(PPT + 5) years	55 years	18 – 65 years
	10 Pay			18 – 65 years
	12 Pay			18 – 65 years
	15 Pay			18 – 65 years
	20 Pay			18 – 60 years
	To Age 60			18 – 54 years
	Regular Pay	11 years		18 – 65 years

¹ Tax benefits are subject to changes in tax laws. Kindly consult your financial advisor for more details.
# Scenario: ABSLI Akshaya Plan, Age 35, Healthy Male, Premium Payment Term: 6 years, Policy Term: 25 years, Benefit Option: Long Term Income, Premium Rs.1lakh p.a. (Rs.100,000X6), Cash Bonus Payout Frequency: Annual, Sum Assured: Rs 710,000.
Assumed @8% p.a., Cash Bonus (if declared) p.a. = Rs 23,004, Total Cash Bonus (if declared) (A)= Rs 5,75,100, Terminal Bonus (If declared) + Sum Assured (B) = Rs 8,73,300, Total Benefit (A+B) = Rs 14,48,400.
Assumed @4% p.a., Cash Bonus (if declared) p.a. = Rs 8,520, Total Cash Bonus (if declared) (A)= Rs 2,13,000, Terminal Bonus (If declared) + Sum Assured (B) = Rs 7,95,200, Total Benefit (A+B) = Rs 10,08,200.
^** Sec 10(10D) benefit is available subject to fulfilment of conditions specified therein
This policy is underwritten by Aditya Birla Sun Life Insurance Company Limited (ABSLI). This is a Non-Linked Participating Individual Savings Life Insurance Plan. GST and any other applicable taxes will be added (extra) to Your premium and levied as per extant tax laws. Premium will vary depending upon the Option chosen. An extra premium may be charged as per our then existing underwriting guidelines for substandard lives, smokers or people having hazardous occupations etc. All the benefits are payable subject to the terms and conditions of the Policy. 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.
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 other terms and conditions, request your Agent Advisor or intermediaries for giving a detailed presentation of the product before concluding the sale. UIN: 109N136V02.
ADV/7/23-24/1063

ABSLI BSLI Capital Asured Tradition Plan Testing

Get ₹1 crore term insurance with guaranteed# return of premium at Maturity*

What is ABSLI Poorna Suraksha Kawach?

Benefits of ABSLI Poorna Suraksha Kawach

Death Benefit

Death Benefit

Plan Options

Level Cover Option

Level Cover Option

Term Plan with Riders offer Added Protection

ABSLI Accidental Death Benefit Rider Plus

ABSLI Accidental Death Benefit Rider Plus

How does ABSLI Akshaya Plan Work?

Learn with an example.

Why invest in ABSLI Poorna Suraksha Kawach?

Choice of multiple Plan Options

Return of Premium (RoP) or Early Return Of Premium Option (ERoP)

Flexible

Accelerated Critical Illness Benefit (ACI)

How to initiate Claim?

Whole Life Insurance with Cash Bonus

Benefits of ABSLI Akshaya Plan

Other Insurance Plans

ABSLI Saral Jeevan Bima Yojana

ABSLI Saral Jeevan Bima Yojana

ABSLI Salaried Term Plan

ABSLI DigiShield Plan

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Disclaimer

Get ₹1 crore term insurance with guaranteed^# return of premium at Maturity^*