Insurance For Women in India

^#Provided all due premiums are paid

^Provided 0 year deferment & Annually in Advance payout frequency is chosen at the time of inception of the policy. Annually in Advance payout frequency is only available in "Annual" premium payment mode.

¹LI Age 25, Female, Salaried, Non Smoker, ABSLI Super Term Plan Option 1: Level Cover, PPT: Regular Pay, SA:  ₹ 1 Cr., PT: 10 years, Premium paying term: 10 years, Death Benefit Payout as Lumpsum. Annual Premium: ₹ 6958/- ( which is ₹ 615/month). On death, 1 Cr SA is paid and the policy terminates.  

²Female- 30 yrs invests in ABSLI Nishchit Aayush Plan with Level Income + Lumpsum Benefit. she chooses premium payment term 10 yrs , policy term 40 years, benefit option -Long Term Income, Sum Assured 7 times of Annualized Premium and Deferment Period 0 years. Annualized Premium is ₹1,00,000 . Annual Income of ₹ 32,743 (32,743*40=  13,09,720) + Maturity Benefit (₹14,00,000)= ₹ 27,09,720

³Scenario: 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.

⁴Female | Age: 35 Years | Sum Assured: Rs. 30,00,000 | Sum Assured Multiple: 30X | Annualized Premium: Rs. 1,00,000 | Rider Premium: 30,900| Total Premium: 1,30,900|ADB Rider & CCI Rider Opted| Premium Payment Term: 6 years | Policy Term: 20 years | Investment Option: Self-Managed Option | Fund Chosen: Maximiser Fund | Premium Payment Mode: Annual | You get ₹ 16,61,609  @ 8% or Rs 8,20,133 @ 4% at maturity. 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.

⁵Annuitant -Health Female: Age 45 years invests in ABSLI Guaranteed Annuity Plus | Annuity Option: Deferred Life Annuity with Return of Premium | Premium payment term – Single pay | Purchase Price: Rs. 10,00,000 | Deferment period: 5 years Annuity Pay-out Frequency: Annual | Whole life. Get ₹87,872 /- every year till annuitant is alive.

⁶The perceived value of the health management services is ₹74000. The actual value may vary based on the extent of services availed by the customer.

⁷Annuity amount Rs. 68,592 in case of Life Annuity Option and Rs. 87,872 in case of Deferred Annuity with Return of Premium option. 

⁸as per the terms and conditions of the policy.

⁹All critical illnesses are covered when the Critical Illness Rider is added to the base plan. For complete details, please refer to the rider policy contract or contact your ABSLI Insurance Advisor. You may also visit our website to explore how we can support you in achieving your financial goals. Kindly review the rider sales brochure carefully for information on risk factors, terms, and conditions before making your decision.

ABSLI Super Term Plan - This Policy is underwritten by Aditya Birla Sun Life Insurance Company Limited (ABSLI). This is a non-linked non-participating individual pure risk premium life insurance plan; upon Policyholder’s selection of Plan Option 3 (Level Cover with Return of Premium) this product shall be a non-linked non-participating individual savings life insurance plan. (UIN:109N153V02)

ABSLI Nishchit Aayush Plan - This policy is underwritten by Aditya Birla Sun Life Insurance Company Limited (ABSLI). (UIN: 109N137V13)

ABSLI Param Surakhsha Plan - This policy is underwritten by Aditya Birla Sun Life Insurance Company Limited (ABSLI). (UIN: 109L149V01)

ABSLI Akshaya Plan - This policy is underwritten by Aditya Birla Sun Life Insurance Company Limited (ABSLI). This is a Non-Linked Participating Individual Savings Life Insurance Plan.(UIN: 109N136V04)

ABSLI Guaranteed Annuity Plus - This Policy is underwritten by Aditya Birla Sun Life Insurance Company Limited (ABSLI). This is a Non-Linked, Non-Participating, General Annuity Plan All terms & conditions are guaranteed# throughout the Policy Term. (UIN:109N132V17)

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.

Linked insurance products are different from the traditional insurance products and are subject to the risk factors.
The premium paid in linked insurance policies are subject to investment risks associated with capital markets. The NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions.
Aditya Birla Sun Life Insurance is only the name of the Life Insurance Company and ABSLI Param Suraksha is only the name of the linked insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns.
Please know the associated risks and the applicable charges, from your insurance agent or intermediary or policy document issued by the insurance company.
The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns.
Past performance is not necessarily an indication of future performance.