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ABSLI Vision LifeSecure Plan
A traditional participating whole life insurance plan

Today you are young and you don't have as many responsibilities. Even then you don't know where the money goes as your desires are increasing and you want to lead a good lifestyle and fulfil your desires. But, tomorrow as your responsibilities and life's uncertainties increase, you and your family should not have to sacrifice this lifestyle that you are enjoying today. So, if you start saving small amounts in a disciplined manner today, not only will you accumulate enough tax-free savings for a secure future but also protect yourself from life’s uncertainties. Tax benefits are subject to changes in tax laws.

In the event the life insured survives till the end of the policy term, the policyholder shall be paid Sum Assured, plus accrued regular bonuses, plus Terminal Bonus (if any). The policy continues even after the Maturity Benefit is paid.

In the unfortunate event of death of the life insured during the policy term, the death benefit1 payable shall be

  • Sum Assured on Death; plus
  • Accrued regular bonuses as on date of death; plus
  • Terminal Bonus; if any
  • Sum Assured on Death shall always be higher of Sum Assured or 10 times of Annualized Premium.

    In the event the Life Insured survives to the end of the policy term, the insurance cover will continue till the life insured attains age 100. In case of survival to age 100 or death during this period, if earlier, the Sum Assured on Death shall be payable.

    The death benefit will be subject to minimum of 105% of Total Premiums paid up to date of death.


    Annualized premium shall be the premium amount payable in a year chosen by the policyholder, excluding the taxes, rider premiums, underwriting extra premiums and loadings for modal premiums, if any.

    Total Premiums means total of all the premiums received, excluding any extra premium, any rider premium and taxes.

    In case where the death of the Life Insured takes place prior to the risk commencement date, only the basic premiums paid to date (excluding taxes, if any) shall be payable as the Death Benefit.

    If the life insured is different from the policyholder, we shall pay the above death benefit to the policyholder. The policy shall be terminated once the death benefit is paid.

For added protection, you can enhance your insurance coverage during the policy term by adding following riders for a nominal extra cost.

  • ABSLI Accidental Death and Disability Rider (UIN: 109B018V03)
  • ABSLI Critical Illness Rider (UIN: 109B019V03)
  • ABSLI Surgical Care Rider (UIN: 109B015V03)
  • ABSLI Hospital Care Rider (UIN: 109B016V03)
  • ABSLI Waiver of Premium Rider (UIN: 109C017V03)
  • ABSLI Accidental Death Benefit Rider Plus (UIN: 109C023V02)

Please refer to detailed brochures on riders, consult your financial advisor or visit our website for further details.

If you discontinue paying premiums after having paid premiums for at least two full years, your policy will not lapse but will continue on a Reduced Paid-up basis.

For more details on the above mentioned benefits, please refer to the product brochure.

Entry Age (age last birthday) 30 days* – 60 years
Policy Term 15 to 35 years
Minimum Attained Age at end of Policy Term is 18 or more
Maximum Attained Age at end of Policy Term is 75 or less
Premium Paying Term Regular pay
Minimum Sum Assured Rs.2,00,000
Minimum Premium Rs.12,000 p.a.
Premium Frequency Annual, Semi-annual, Quarterly, Monthly

*Risk commences from the first policy anniversary

The above Values are illustrative and not guaranteed and they are not the upper or lower limits of what one might get back, as the value of a policy depends on a number of factors including future investment performance. The values are according to 4%(1) and 8%(2) annual rate of return for a 35 year old healthy male in the illustration.

Checkout other endowment policies by Aditya Birla Sun Life Insurance

Please click here to Download product brochure
Please click here to download policy contract
Please click here to download product presentation
Please click here for Latest Bonus Rates
Please click here to calculate premium

This policy is underwritten by Aditya Birla Sun Life Insurance Company Limited (ABSLI). This is a traditional participating whole life insurance plan. All terms and conditions are guaranteed throughout the policy term, except for the bonuses which would be declared at the end of each financial year. GST and any other applicable taxes will be added (extra) to your premium and levied as per extant tax laws. An extra premium may be charged as per our then existing underwriting guidelines for substandard lives, smokers or people having hazardous occupations etc. Some benefits are guaranteed and some benefits are variable with bonuses based on the future performance of the participating business and economic conditions. If your policy offers guaranteed returns then these will be clearly marked "guaranteed" in the illustration table. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding the sale. Tax benefits are subject to changes in the tax laws. Aditya Birla Sun Life Insurance Company Limited (Formerly Birla Sun Life Insurance Company Limited) Registered Office: One Indiabulls Centre, Tower 1, 16th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai - 400 013. IRDAI reg no.109 CIN: U99999MH2000PLC128110 ADV/12/19-20/1346 VER1/DEC/2019

UIN: 109N087V04