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So you can enjoy life knowing that your family's future is secured and guaranteed even in your absence and your premiums are yours on your survival.

ABSLI Future Guard Plan provides complete financial freedom even when you're not around, so that your loved ones live comfortably. This plan is ideal for you if you want an economical way of providing for life insurance cover and would like to protect your family in the unfortunate event of you not being around, yet receive all your premiums back on maturity. So you can enjoy life knowing that your family's future is secured and guaranteed even in your absence and your premiums are yours on your survival.
How does the plan work?
Step 1 : Choose your type of plan
You choose the type of plan depending on what you desire at the end of policy term.
Plan A - 100% return of your premiums paid
Plan B - 110% to 150% return of your premiums paid depending on your policy term
Step 2 : Choose your policy term
You choose the number of years for which you want to be protected. You can choose a policy term of 10, 15, 20, 25 or 30 years.
Step 3 : Choose your sum assured
You choose the sum assured payable on the death of the life insured.
For easy reference, your Sum Assured is banded as follows
Sum Assured Band Band 1 Band 2 Band 3
Sum Assured (Rs.) 500,000 to 999,999 1,000,000 to 2,499,999 2,500,000 +
Premium Details
Your premium will depend upon age, gender, plan type, policy term and the sum assured chosen by you. Choose premium payment mode as per your convenience. Your annual premium will be multiplied by:
  • 1.000 for annual instalments
  • 0.520 for half-yearly instalments
  • 0.265 for quarterly instalments; or
  • 0.090 for monthly instalments

Indicative Premium rates per 1,000 Sum Assured for 30 year old male as per policy term
Age (in years) Premium rate per 1,000 Sum Assured (5 lacs to < 10 lacs)
10 15 20 255 30
Plan A 15.76 13.53 11.77 10.65 10.15
Plan B 25.42 24.11 19.20 15.52 13.61


Entry Age : 18 65 years of age
Policy Term : 10,15,20,25,30 years, subject to max age on maturity : 75 years
Premium Paying Term : Regular Pay
Premium Mode : Annual | Semi-annual | Quarterly | Monthly
Sum Assured : Min. Rs. 500,000
Max. No Limit
This policy is underwritten by Aditya Birla Sun Life Insurance Company Limited (ABSLI). This is a non-participating traditional insurance plan. All terms & conditions are guaranteed throughout the policy term except for the maturity benefit conversion factor which will vary from year to year depending on prevailing economic conditions. Service Tax and Education Cess 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. The insurance cover for the life insured (including minors) will commence on the policy issue date. For 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. Insurance is the subject matter of the solicitation. Registered Office: One Indiabulls Centre Tower 1, 16th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai - 400013. CIN: U99999MH2000PLC128110 UIN: 109N077V02 ADV/2/14-15/7805 VER1/Mar/2015