Aditya Birla Sun Life Insurance Company Limited is previously known as Birla Sun Life Asset Management Company Limited. It is a joint venture between Aditya Birla Group and Sun Life Financial Inc., a leading international financial services organization from Canada. The cost of Aditya Birla Sun Life insurance varies depending on the type of policy that you choose to buy
About Aditya Birla Sun Life Insurance
Aditya Birla Sun Life Insurance was established in 2000 and there are more than 385 branches located across India. ABSLI is a brand with a strong legacy of Aditya Birla Capital Group. The company offers a range of solutions and our life insurance policies will help you in meeting your Protection and Financial needs for every important stage of your life.
Aditya Birla Capital Life Insurance has experience of over 10 years, it has provided significantly to the growth and development of the life insurance industry in India, and Aditya Birla Sun Life Insurance company currently ranks among the top 7 private life insurance companies in India.
ABSLI Company was well known for its Product innovations as per customer's needs and commitment to customer service. It was the first Indian Insurance Company to introduce the "Free Look Period" and it is registered with the insurance regulatory and authority of India (IRDAI) as a life insurance company in 2011.
ABSLI Company provides a wide range of plans to their customers. It consists of children’s future plans, pension solution plans, life term solution plans, savings with protection solution plans, wealth and protection solution plans, health insurance plans, unit-linked solution plans, other Aditya Birla Sun Life Insurance products.
Aditya Birla Insurance provides long-term value to their customers. Aditya Birla Sun Life Insurance term policies are the most selling life insurance plans due to the Coronavirus pandemic. Aditya Birla Life Insurance provides a claim settlement ratio of 97.54% and more than 10,000+ employees working to give the best services to their customers.
Aditya Birla Sun Life Insurance Highlights
| Claim Settlement Ratio |
98.04% |
| Inception |
2001 |
| Branches |
340+ |
| Employees |
14000 |
| Customers |
18 lacs+ |
| Death Benefit Paid For |
5000+ Policies |
| Assets Under Management |
Rs.54,366 Crores |
| Solvency Ratio |
1.78 |
| Annual Premium Income |
Rs.3,657 Crores |
Aditya Birla Sun Life Insurance Benefits
- High Life coverage at an affordable premium: Term insurance is one of the most affordable life insurance covers available in the Indian insurance market. A Unit Linked Insurance Policy is a term insurance policy with Insurance coverage and Investment. The term insurance plans don’t have any investment component which thereby reduces the premium to be paid for availing the life coverage. Term life insurance plans from Aditya Birla Sun are the cheapest in the market with high life coverage.
- Tax Benefits: Term insurance policies provide certain tax benefits under section 80C of the income tax act, 1961. The premiums paid towards term insurance premiums are eligible for a tax deduction of up to Rs.1.5 lacs in a given financial year. Additionally, any amount received through the policy maturity, surrender, or on the death of the life assured is tax-exempt under Section 10 (10D) of the Income Tax Act, subject to provisions stated therein.
- Death Benefit: Term insurance plans can offer the flexibility to choose from multiple options to receive the death benefit. Typically, term insurance plans pay the sum assured as a lump-sum amount, but many plans offer the option to receive the sum assured in installments. The loss of an earning member can disturb the monthly income inflow. The installment option can be used for income replacement. It helps the family take care of the daily expenses, protect assets and achieve life goals.
- Long Term Coverage: You can opt for coverage that continues up to 99 years of age by paying premiums for a limited period of time. Using the Aditya Birla Sun life insurance premium calculator you can buy the better it is.
- Easy Policy issuance: The policy issuance process is very smooth and the policy would be issued within the least possible time, within 1 day in some cases. Aditya Birla Sun life has robust systems in place and is upgrading continuously to provide seamless service to their customers.
- Flexible Policy Terms: The insurance needs of people vary with occupation, family, liabilities, and life goals. Term insurance plans provide protection for a specified term. Some people require cover for a longer period while some need for a shorter duration. Term insurance offers complete flexibility in the tenure of the policy.
- Flexibility in Premium Payment: The premiums can be paid on a monthly, quarterly, half-yearly or annual basis as per the product terms and conditions. Term insurance benefits include the option to pay premiums for a limited period as per the product terms and conditions. Limited premium payment term plans offer the option to pay the premiums for a limited period, but the coverage continues for a longer period.
Aditya Birla Sun Life Insurance Plans
- Term Insurance Plans
- Retirement Plans
- Health Plans
- Child Plans
- ULIP Plans
- Savings Plans
Aditya Birla Sun Life Term Insurance Plans
The concept of term insurance is to provide financial security to the family in case the policyholder meets with any unfortunate event during the policy period in return for a nominal premium. The best term insurance plan is the one that offers the maximum coverage at affordable premiums and with all the possible add-ons. Aditya Birla term insurance premium calculated by the Aditya Birla sun life term plan premium calculator.
Below are the term life insurance plans offered by Aditya Birla Sunlife Insurance co ltd:-
Aditya Birla Sun Life Insurance Life Shield Plan
Aditya Birla Capital Life Shield Plan provides 8 different plan options as per your family's needs so they need not compromise on their lifestyle, even in your absence. Each person has different requirements and the term life insurance plan has to be chosen as per the requirements. Aditya Birla Life Insurance Life Shield calculator is available to get the best premium.
Features:
- Entry Age: Minimum 18 years to Maximum 65 years
- Maximum age at Maturity: 85 years
- Sum Assured: Minimum Rs. 25 Lakh to no limit
- Premium Payment: Single payment, Regular payment, or Limited payment.
- Premium Mode: Annual, Semi-annual, Quarterly, Monthly
Key Benefits:
- The term death benefit will be paid to your nominee in case of the unfortunate death of the policyholder during the policy.
- Provides coverage at different key stages of your life and cover the spouse of the insured in the same policy
- In case of life insured person suffers from total and permanent disability or critical illness during the policy term, all future premiums will be waived off. The death benefit under the policy will remain unchanged.
Aditya Birla Sun Life Insurance DigiShield Plan
Aditya Birla Sun Life Insurance DigiShield Plan is a non-linked term insurance plan. This term life insurance plan has to be chosen as per the requirements of the customer with reasonable premiums. Provides 10 different policy options as per your family's needs so they need not compromise on their lifestyle, even in your absence.
Features:
- Entry Age:
For Plan Option: 1, 2, 3, 6, 7, 8, 10: Minimum 18 years to Maximum 65 years
For Plan Option: 4, 5: Minimum 45 to Maximum 65 years
For Plan Option: 9: Minimum 18 to Maximum 50 years
- Maximum age at Maturity:
For Plan Option: 1, 2, 3, 6, 7, 8, 10: 85 years
For Plan Option: 4, 5: 100 years
For Plan Option: 9: 69 years
- Sum Assured:
For Plan Option: 1, 2, 3, 4, 5, 6, 7, 9, 10: Minimum – Rs. 30 Lakh and Maximum – No Limit
For Plan Option: 8: Minimum – Rs. 1 Lakh and Maximum – Rs. 20 lakh
- Premium Payment: Single payment, Regular payment, or Limited payment.
- Premium Mode: Annual, Semi-annual, Quarterly, Monthly
Key Benefits:
- This plan offers full financial protection at reasonable premiums and it provides coverage at different key stages of your life.
- The term death benefit will be paid to your nominee in case of unexpected death happens to the policyholder during the policy.
- Gives the option to cover the spouse of the insured under the same plan. And the plan offers flexible terms of premium payment.
Aditya Birla Sun Life Insurance Saral Jeevan Bima Plan
Aditya Birla Sun Life Insurance Saral Jeevan Bima Plan is a non-linked and non-participating individual risk premium term insurance plan. This term life insurance plan has to be chosen as per the requirements of the customer and it provides reasonable premiums.
Features:
- Entry Age: Minimum 18 years to Maximum 65 years
- Maximum age at Maturity: 70 years
- Sum Assured: Minimum Rs. 5 Lakh to Rs. 25 lakh
- Premium Payment: Single payment, Regular payment, or Limited payment.
- Premium Mode: Annual, Semi-annual, Quarterly, Monthly
Key Benefits:
- The Saral Jeevan Bima plan is a pure protection plan available at minimum premium rates to all the sections of the Indian society, regardless of gender, age, occupation, education, and location.
- This plan offers full financial protection at reasonable premiums and it provides coverage at different key stages of your life.
Aditya Birla Sun Life Insurance Retirement Plans
| Name of Plan |
What is it? |
Age of Entry |
Premium Payment Mode |
Premium Payment |
Premium |
| Aditya Birla Sun Life Insurance Empower Pension Plan |
This plan is a unit-linked, non-participating pension plan it helps you collect your premiums and the investment returns in your retirement. |
20 to 70 years |
Yearly, half-yearly, quarterly, monthly |
Regular pay |
Yearly- Rs.18,000/-, half-yearly Rs.24,000/-, quarterly-Rs.30,000/-, monthly-Rs.36000/- |
| Aditya Birla Sun Life Insurance Empower Pension – SP Plan |
This plan is a single premium pension plan designed especially for your retirement life. |
25 to 70 years |
Yearly, half-yearly, quarterly, monthly |
Single pay |
Rs. 1,00,000/- to No limit |
| Aditya Birla Sun Life Insurance Saral Pension Pension – SP Plan |
This plan is a non-linked non-participating single premium individual plan immediate annuity plan |
40 to 80 years |
Yearly, half-yearly, quarterly, monthly |
Single pay |
Rs. 2,14,182 to No limit |
| Aditya Birla Sun Life Insurance Guaranteed Annuity Plus |
This plan provides guaranteed income for retirement life. |
45 to 75 years |
Yearly, half-yearly, quarterly, monthly |
Single pay |
Rs. 1,50,000 to No limit |
Aditya Birla Sun Life Insurance Health Plans:
| Name of Plan |
What is it? |
Age of Entry |
Premium Payment Mode |
Premium Payment |
Sum Assured |
| ABSLI Cancer Shield Plan |
This plan covers you financially through every stage of cancer diseases |
18 to 65 years |
Yearly, half-yearly, quarterly, monthly |
Regular pay |
Minimum - Rs.10 Lakhs Maximum - Rs.50 Lakhs |
| Aditya Birla Sun Life Insurance CritiShield Plan |
This plan provides financial protection in case of any cardiac or renal conditions. |
18 to 65 years |
Yearly, half-yearly, quarterly, monthly |
Regular pay |
Maximum - Rs.50 Lakhs |
Aditya Birla Sun Life Insurance Child Plans:
| Name of Plan |
What is it? |
Age of Entry |
Premium Payment Mode |
Premium Payment Term |
Sum Assured |
| Aditya Birla Sun Life Insurance Vision Star Plan |
This plan provides security to your child’s future in your absence |
18 to 55 years |
Yearly, half-yearly, quarterly, monthly |
5 to 12 years |
Minimum - Rs.1 Lakhs Maximum – No limit |
| Aditya Birla Sun Life Insurance Child Future Assured Plan |
This plan is a savings plan that provides financial protection to your child’s future. |
18 to 65 years |
Yearly, half-yearly, quarterly, monthly |
5 to 12 years |
Minimum - Rs.4 Lakhs Maximum – No limit |
Aditya Birla Sun Life Insurance ULIP Plans:
| Name of Plan |
What is it? |
Age of Entry |
Premium Payment Mode |
Premium Payment Term |
Premium |
| Aditya Birla Sun Life Insurance Wealth Infinia |
This plan is a unit-linked non-participating individual life insurance savings plan that provides you risk coverage during the Policy Term and offers the 16 fund options and 5 investment strategies. |
30 days to 65 years |
Yearly, half-yearly, quarterly, monthly |
Single pay, Regular pay, Limited pay |
Single-Premium: Rs. 5,00,000 Limited Premium/ Regular Premium: Rs. 2,00,000 |
| Aditya Birla Sun Life Insurance Wealth Assure Plus |
This plan protects you against death, critical illness, or total permanent disability. |
18 to 65 years |
Yearly, half-yearly, quarterly, monthly |
10,15,20 years |
Rs.24,000/- P.A |
| Aditya Birla Sun Life Insurance Wealth Max Plan |
This plan is a single premium unit-linked insurance plan |
30 days to 70 years |
Yearly, half-yearly, quarterly, monthly |
Single pay |
Minimum Rs.1,00,000 |
| Aditya Birla Sun Life Insurance Wealth Secure Plan |
This plan provides life coverage and maximizes savings for your future. |
30 days to 65 years |
Yearly, half-yearly, quarterly, monthly |
5 to 30 years |
Minimum Rs. 30,000/- (For Annual or Semi-Annual PPT)
Minimum Rs. 60,000/- (For Monthly or Quarterly PPT) |
| Aditya Birla Sun Life Insurance Fortune Elite Plan |
This plan provides insurance coverage and the opportunity for wealth preservation and enhancement. |
30 days to 65 years |
Yearly, half-yearly, quarterly, monthly |
5,10,15,20 years |
Rs. 40,000 for annual mode |
| Aditya Birla Sun Life Insurance Wealth Aspire Plan |
This plan offers flexibility in protection and wealth accumulation. |
30 days to 50 years |
Yearly, half-yearly, quarterly, monthly |
5 to 40 years |
Rs. 40,000 for annual mode |
Aditya Birla Sun Life Insurance Savings Plans:
| Name of Plan |
What is it? |
Age of Entry |
Maturity Age |
Premium Payment Term |
Premium Payment Mode |
| Aditya Birla Sun Life Insurance Assured Income Plus |
This plan is a Non-Linked Non-Participating Individual Life Insurance Savings Plan that provides life insurance coverage along with guaranteed income for 20, 25, or 30 years |
5 to 60 years |
18 to 73 years |
6,8,12 years |
Yearly, half-yearly, quarterly, monthly |
| Aditya Birla Sun Life Insurance Vision LifeIncome Plus Plan |
This plan provides the benefit of a comprehensive life insurance cover for a lifetime and guaranteed regular income. |
30 days to 60 years |
18 years |
8,10,12,15 years |
Yearly, half-yearly, quarterly, monthly |
| Aditya Birla Sun Life Insurance SecurePlus Plan |
This plan provides a second income that fulfills your financial future needs. |
4 years to 50 years |
64 years |
8,10,12 years |
Annual, Monthly |
| Aditya Birla Sun Life Insurance Guaranteed Milestone Plan |
This plan provides life coverage along with financial benefits on death or maturity |
30 days to 60 years |
18 years |
6,8,10,12 years |
Yearly, half-yearly, quarterly, monthly |
| Aditya Birla Sun Life Insurance Assured FlexiSavings Plan |
This plan provides life coverage along with guaranteed returns and the flexibility to access your corpus through unlimited withdrawals. |
4 to 60 years |
18 to 86 years |
5,8,10,12 years |
Yearly, half-yearly, quarterly, monthly |
| Aditya Birla Sun Life Insurance Vision MoneyBack Plus Plan |
This plan is a money-back insurance plan that provides life cover with regular income to meet your financial requirements |
13 to 45 years |
|
10,12 years |
Yearly, half-yearly, quarterly, monthly |
| Aditya Birla Sun Life Insurance Vision LifeIncome Plan |
This plan is a traditional participating whole life insurance plan that provides financial protection with the perfect blend of regular income |
18 to 65 years |
80 years |
Single pay
Limited pay-6,8 years,
Regular pay |
Yearly, half-yearly, quarterly, monthly |
| Aditya Birla Sun Life Insurance Savings Plan |
This plan is securing the financial future of your loved ones and provides life coverage |
18 to 50 years |
|
10,15,20 years |
Yearly, half-yearly, quarterly, monthly |
| Aditya Birla Sun Life Insurance Vision LifeSecure Plan |
This plan provides long-term financial security for you and your loved ones. |
30 days to 60 years |
|
Regular pay |
Yearly, half-yearly, quarterly, monthly |
| Aditya Birla Sun Life Insurance Income Assured Plan |
This plan provides guaranteed returns and full fill all life stage needs |
8 to 60 years |
|
5,7,10 years |
Yearly, half-yearly, quarterly, monthly |
| Aditya Birla Sun Life Insurance Vision Endowment Plus Plan |
This plan provides comprehensive financial protection for longer durations. |
30 days to 60 years |
|
7,10,15,20 years |
Yearly, half-yearly, quarterly, monthly |
| Aditya Birla Sun Life Insurance Jeevan Bachat Plan |
This plan provides guaranteed returns and life cover 10 times your annualized premium. |
1 to 55 years |
18 to 65 years |
Single pay-years
Limited pay-6,9,12 years,
Regular pay-10,15 years |
Single, Yearly, half-yearly, quarterly, monthly |
| Aditya Birla Sun Life Insurance Monthly Income Plan |
This plan offers monthly income and provides financial protection to your family. |
18 to 55 years |
|
10,12 years |
Yearly, half-yearly, quarterly, monthly |
How to Buy Aditya Birla Sun Life Insurance
The process of buying Aditya Birla Sun life insurance policy online has become simple with PolicyBachat. All you need to do is fill out an application form and then make a payment for the premium. The entire process takes less than 15 minutes.
Following steps to purchase the Aditya Birla Sun life insurance policy online
Step 1:Visit PolicyBachat official website and then enter the details such as Gender, Annual income from all the sources, Alcohol consumption and tobacco consumption, type of occupation, salary, and Date of Birth. After this, you need to enter your contact details to facilitate a call from our agent.
Step 2:Now the premium from different insurance companies will be displayed on the screen. You can edit the details such as Coverage, Term, Premium payment method, Mode of claim settlement, etc. Submit the details to get the desired premium. The premium can be changed by changing other factors such as Coverage required, mode of payment, etc.
Step 3:The next step is to select the best policy and then you can calculate your premiums using the Aditya Birla life insurance premium calculator. You can change your premium by adding riders you want. After deciding the premium, you can purchase a policy from PolicyBachat directly.
Click on the below button and calculate your premium rates to buy a life insurance policy.
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Aditya Birla Sun Life Insurance Price List
Aditya Birla Sun Life Insurance is a well-known insurance provider in India, offering a wide range of insurance products to meet various financial protection and investment needs. The price or premium for Aditya Birla Sun Life Insurance policies can vary significantly depending on several factors, including:
- Type of Insurance Policy
- Coverage Amount
- Health and Medical History
- Term of the Policy
- Riders and Add-Ons
- Smoking and Lifestyle Habits
- Location
- Payment Frequency, etc.
Compare quotes online at PolicyBachat. They will be able to provide you with detailed information on their various insurance products, including premiums and any available riders or options, tailored to your specific needs and circumstances. Here is the Aditya Birla Sun Life Insurance Price List in India based on age factor:-
| Age |
Policy Term |
Total Payout |
Premium Amount |
| 20 Year Old |
20 Years |
1 Crore |
674/- |
| 25 Year Old |
20 Years |
1 Crore |
716/- |
| 30 Year Old |
20 Years |
1 Crore |
826/- |
| 35 Year Old |
20 Years |
1 Crore |
1156/- |
| 40 Year Old |
20 Years |
1 Crore |
1675/- |
| 45 Year Old |
20 Years |
1 Crore |
2488/- |
| 50 Year Old |
20 Years |
1 Crore |
3691/- |
| 55 Year Old |
20 Years |
1 Crore |
5388/- |
| 60 Year Old |
20 Years |
1 Crore |
7911/- |
| 65 Year Old |
20 Years |
1 Crore |
13698/- |
*The Premiums above given are just for illustration purposes*. Please compare quotes for the exact premium.
Aditya Birla Sun Life Insurance Claims Trend
Claim settlement ratios for insurance companies can change annually and are typically published by the Insurance Regulatory and Development Authority of India (IRDAI). These ratios reflect the percentage of insurance claims that an insurance company successfully settles in a given year.
Claim settlement ratio is the main factor to consider when choosing an insurance provider. It's also important to assess the overall reputation, customer service, policy features, and insurance needs when deciding on insurance coverage.
Aditya Birla Sun Life Insurance Claim Settlement Ratio Trends Over Years
Here are the Claim Settlement Ratios for the past 10 years:
| Financial Year |
Claim settlement Ratio |
| 2022-2023 |
98.01% |
| 2021-2022 |
98.07% |
| 2020-2021 |
98.04% |
| 2019-2020 |
97.54% |
| 2018-2019 |
97.15% |
| 2017-2018 |
97.22% |
| 2016-2017 |
94.69% |
| 2015-2016 |
88.54% |
| 2014-2015 |
95.30% |
| 2013-2014 |
87.76% |
Claim Process of Aditya Birla Sun Life Insurance
Claim Intimation
In case of death of the Insured, nominee of the policyholder can lodge a claim with the insurance company.
Submission of Documents
Provide all the relevant documents to the insurance company.
Claim Settlement
The insurer is required to settle a claim within 30 days of receipt of all the required documents.
Step 1: Claim Intimation:
- In the case of Maturity claims, a policyholder should inform the insurance company regarding the maturity of the policy or survival of the policyholder.
- In case of Death claims, the nominee of the policyholder or the immediate family members can lodge a claim with the insurance company.
The claim intimation can be done online or offline which should contain basic information such as the Name of the Policyholder, Policy number, Date of Maturity, etc. In case of offline intimation, the claim form can be availed from the nearest life insurance branch and duly filled out before submission.
Step 2: Submission of Documents:
Once the claim intimation is done and the claim intimation number is obtained, the next step is to provide all the relevant documents to the insurance company. It is advisable to submit all the documents in one go to avoid to and fro communication with the insurance company.
The following documents are to be provided by the nominee or the policyholder:
- Certificate of Death (Death Claim)
- Panchanama report (Death claim)
- Statement from the hospital if the insured is admitted
- Certificate from medical attendant stating that the illness of the insured
- F.I.R Report (Accident death claim)
- Cremation or burial report
- Certificate from the employer if the deceased is an employee.
- Age proof
- Residence proof
- Relation proof with the policyholder(Death claim)
- Deeds of assignment (if any)
- Policy document
- Duly filled claim form/ claim intimation number
- Bank account details
- Any other documents as required by the insurance company.
Step 3: Claim Settlement:
As per regulation 8 of the IRDA (Policyholder’s Interest) Regulations, 2002, the insurer is required to settle a claim within 30 days of receipt of all the required documents. If the claim is an early claim (a claim which is occurred within 3 years from the date of policy start date) then there would be further investigation by the insurer. This procedure has to be completed within six months from the date of receiving written intimation of the claim. After receiving all the documents the claim is processed and the insurance company releases the funds into the account mentioned in the claim intimation form.
List of Life Insurance Companies:
Aditya Birla SunLife Insurance FAQs:-
How to do Aditya Birla Sun Life Insurance Policy Renewal Online?
Visit the Aditya Birla Sun life insurance website and click on the option to renew your life insurance policy.
- Enter the required details that include your policy number, mobile number, and email address.
- Renew life insurance policy through multiple options using Net banking, Credit card, Debit card, UPI wallets, and bill pay online.
How Can I Surrender My Aditya Birla Sun Life Insurance Policy Online?
You can Surrender Aditya Birla Sun Life's insurance policy online on our portal. Surrender value is the amount of premium refunded to the policyholder after a few years of premium payment. The surrender value is paid to the policyholder at the time of surrender. Surrender is only allowed for single premium cases where the premium is paid in a lump sum to the insurance company. Surrender benefits will be paid immediately on the request, surrender is allowed from the first policy year. The surrender value is paid as per the plan option opted by the policyholder.
How to Claim Aditya Birla Sun Life Insurance Policy in India?
For claiming Aditya Birla Sun Life insurance policy below are the steps:
- Inform your insurance company
- Fill in the claim form
- Death certificate
- ID proof
- Insurance policy papers
- Discharge form
- Post-mortem report
- Hospital reports
- Check the Claim Settlement ratio
How to Login Aditya Birla sun life insurance?
Aditya Birla sun life insurance Login status can be found online from the Aditya Birla Sun life customer service portal.
How to Pay Aditya Birla Sun Life Insurance Online Payment?
Aditya Birla Sun Life premium payment can be done online from our portal. Every insurance company has multiple payment options to pay premiums online using Net Banking, Credit card, Debit card, UPI wallets, and bill pay. It is a secured digital platform to activate auto-debit for renewal premium payment with a quick registration.
Why do we trust Aditya Birla Sun Life Insurance?
Aditya Birla Sun Life Insurance is one of the leading life insurance companies with a legacy to deliver the promise and great customer experience. Aditya Birla Capital Sun Life Insurance has experience of over 10 years, it has provided significantly to the growth and development of the life insurance industry in India.
How to Get Aditya Birla Sun Life Insurance Policy Details
To check Aditya Birla insurance policy details online, you can visit the official website of the company and follow these steps-
- Go to the “Products” section on the homepage.
- Click on “Life Insurance” from the drop-down list at the top right corner.
- Choose your product from among various options available there and click on the “Check Policy Details” button.
On the other hand, one can also use a life insurance comparison site like PolicyBachat to search for Aditya Birla sun life insurance plan details and then compare them based on various factors such as premiums, benefits, and coverage.