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Aditya Birla Sun Life Insurance Company Limited
Aditya Birla Sun Life Insurance Company Limited
Her Assurance
Whole Life Insurance with Cash Bonus
Flexible Bonus Payouts
2 Benefit Options - Long Term Income & Whole Life Income
Give ₹1,00,000 for 6 years and Get ₹14.48 lakhs1
Exclusive Savings Plan Benefits Designed for "Her"
Because your savings should work just as hard as you do.
Immediate Liquidity
Offers immediate liquidity through Cash Bonuses (if declared), giving you extra funds right when you need them.
Comprehensive Health Shield
Safeguard your savings by adding the Critical Illness Rider² for customized protection against female-specific cancers and autoimmune conditions.
Complete Control
Enjoy flexible bonus payouts to spend now or accumulate for the future, depending on your life goals.
Regular Income Stream
Creates a reliable income stream that can last Long-Term or for your Whole Life (up to age 85 or 100), ensuring constant cash flow.
See How This Endowment Plan Works for You
Use Case 1
Ms. Shalini, aged 35 years, invests in Her Assurance endowment plan and chooses Benefit Option: ‘Long Term Income’.
She paid the premium amount of ₹1,00,000 p.a. for a period of 6 years.
She chose to receive Cash Bonus Pay-out frequency – Annually in Arrears and Policy Term of 25 years.
She survives through the Policy Term and receives an immediate cash bonus of Total Cash Bonus (if declared) of ₹5,75,100@8% p.a. | ₹ 2,13,000 @4% p.a. throughout the Policy Term.
At the age of 60 years, Mr. Sharma will receive Sum Assured along with Terminal Bonus if any of ₹8,73,300@8% p.a./ ₹7,95,200@4% p.a. She will get an Total Estimated Benefit of ₹14,48,400 @8% p.a and ₹10,08,200 @4% p.a.
1Scenario: ABSLI Akshaya Plan, Age 35, Healthy Female, 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: Annually in Arrears, Sum Assured: Rs 11,00,000. 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.
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.
The risk factors of the bonuses projected under the product are not guaranteed. Past performance doesn't construe any indication of future bonuses. These products are subject to the overall performance of the insurer in terms of investments, management of expenses, mortality and lapses.
For more details on risk factors, terms and conditions, please read the sales prospectus 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: 109N136V04.
