ABSLI Vision Retirement Solution: A Smarter Way to Secure Your Golden Years

For many of us, retirement is no longer about slowing down. It’s about finally having the freedom to live life on your own terms, whether that means traveling, starting a passion project, or simply spending time with loved ones. But to make that dream possible, you need more than just savings. You need a steady, potential income that lasts your entire lifetime.

That’s where the ABSLI Vision Retirement Solution comes in, a thoughtfully designed retirement solution that combines guaranteed annuity with market-linked growth, giving you both security and growth potential.

It’s truly a new-age retirement solution for smart retirees who want their money to work as hard as they did.

What is ABSLI Vision Retirement Solution?

The ABSLI Vision Retirement Solution is a combination of two powerful products:

1. ABSLI Guaranteed Annuity Plus (UIN: 109N132V17), ensures a guaranteed*** income for life, even up to age 100.

2. ABSLI Wealth Infinia Plan (UIN: 109L129V02), allows you to participate in equity market growth for potentially higher returns.

Together, they create a balanced solution that gives you the peace of mind of assured income and the opportunity for wealth creation, all under one retirement umbrella.

In ABSLI Wealth Infinia Plan, the investment risk in the 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.

(These products are also available without this combination solution and it is not mandatory to apply for this combination only.)

How the Plan Works

Here’s how this hybrid retirement solution helps you secure your post-retirement income:

• You pay premiums for a limited term (7, 8, or 10 years).
• During the deferment period your investments grow.
• After this, you begin receiving regular payouts that combine:
  a) Guaranteed*** Annuity Payouts from ABSLI Guaranteed Annuity Plus.
  b) Systematic Withdrawals from ABSLI Wealth Infinia Plan, linked to fund performance.
  

This way, you get guaranteed*** income for life while also enjoying potential from market participation.

Even better, the annuity continues till age 100 and beyond, ensuring you never outlive your savings.

Key Features of ABSLI Vision Retirement Solution

Let’s look at what makes this retirement plan stand out for today’s retirees:

1. Retirement Income till Age 100*
Get guaranteed*** income for life with ABSLI Guaranteed Annuity Plus, a steady income, you can rely on, no matter how long you live. (Guaranteed*** annuity payouts continue for lifetime even after the fund portion ends.)

2. Potential
Retirement income shouldn’t lose value over time. With Guaranteed*** + Equity-linked payouts, your income has the chance to grow faster than inflation, helping you maintain your lifestyle for decades.

3. Up to 50% Equity Exposure
You can allocate up to 50% of your premium to ABSLI Wealth Infinia Plan, giving your portfolio the right balance between stability and growth.

4. Flexible Entry Age and Tenure
You can start planning your retirement journey even at age 65, with options to pay premiums for 7, 8, or 10 years, depending on your goals.

5. Death Benefit for Legacy Creation

In case of an unfortunate event, the plan provides a death benefit, allowing your loved ones to receive the accumulated wealth, ensuring your legacy lives on.

Eligibility Criteria

Parameter	Minimum	Maximum
Age at Entry	40 years	60 years (PPT 7), 65 years (PPT 8 & 10)
Premium Payment Term (PPT)	7 / 8 / 10 years	—
Deferment Period	7 / 8 / 10 years	—
Policy Term	Whole of Life*	—
Premium Payment Mode	Annual	—
Annual Premium	₹5,00,000	No upper limit (as per BAUP)
Premium Split Options	Option 1: 60% G.A.P + 40% W.I.P Option 2: 50% G.A.P + 50% W.I.P	—
Benefit Payout Frequency	Annual / Semi-Annual / Quarterly / Monthly	—

²Maturity Age for ABSLI Wealth Infinia Plan will be 100 years hence maximum policy term will be 100 years minus entry age. Payout from ABSLI Guaranteed Annuity Plus will be for lifetime.Who Should Consider This Plan?

Who Should Consider This Solution?

The ABSLI Vision Retirement Solution is designed for individuals who want to make their post-retirement years as rewarding as their working life. It’s ideal for anyone who believes retirement should bring freedom, not financial stress.

You should consider this solution if you:

• Want a lifelong, predictable income that continues well into your golden years. Enjoy the confidence to enjoy retirement without worrying about monthly expenses.
• Wish to potential while maintaining stability. With a mix of guaranteed annuity payouts and equity-linked returns, your income keeps pace with the rising cost of living, ensuring your purchasing power stays strong.
• Are looking to create a legacy for your loved ones. The plan’s death benefit ensures your family receives the accumulated value, allowing your life’s work to continue supporting them even in your absence.
• Prefer diversification between guaranteed* and market-linked assets.** Instead of choosing between security or growth, you can enjoy the best of both, a stable income with the potential for higher returns.
• Are in the 40 - 65 age group and ready to start planning for financial independence. Whether you’re in mid-career or approaching retirement, this plan helps you align your savings with your long-term goals.
  

This plan suits:

• Senior professionals seeking to convert their accumulated wealth into a lifelong income stream.
• Self-employed individuals who may not have access to formal pension schemes but still want retirement security.
• Couples planning together, who want to ensure that income continues for life and their family remains financially protected.

With the ABSLI Vision Retirement Solution, you can look forward to a comfortable, confident, and independent retired life, one where your money keeps working, even after you stop.

Why Choose ABSLI for Your Retirement Journey

For decades, Aditya Birla Sun Life Insurance has been helping millions of Indians protect their financial future through innovation, transparency, and trust.

With the Vision Retirement Solution, ABSLI goes beyond traditional pensions, it offers a comprehensive retirement ecosystem that helps you:

• Stay protected for life
• Grow your money through equity exposure
• Secure your family’s future with death benefits
• Enjoy flexible payouts to suit your lifestyle

It’s not just a solution; it’s your partner for financial freedom after 60.

Conclusion: Secure. Grow. Live Your Vision.

Retirement should never mean compromise. With the ABSLI Vision Retirement Solution, you can look forward to a future where your income is steady, inflation-resistant, and lifelong.

It’s time to turn your retirement dreams into reality, with a plan that’s built for modern India’s evolving financial needs.

Your vision deserves the right plan. Your vision deserves ABSLI Vision Retirement Solution.