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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.

Benefits of Future Guard Plan

Death Benefit
In case of the unfortunate demise of the life insured during the policy term, the sum assured on death* will be paid to the nominee. The policy shall be terminated once the Death Benefit is paid.

  • Sum Assured on Death is the maximum of Sum Assured or Maturity Sum Assured or 10 times the annual premium payable or 105% of total premiums paid to date excluding service tax, any applicable rider premiums and underwriting extras, if any
Guaranteed Maturity Benefit
In the event the life insured survives to the end of the policy term, you will receive the Maturity Sum Assured which varies by the type of plan and the policy term chosen. It is calculated as the sum of the premiums paid (excluding service tax, rider premium and underwriting extras, if any) multiplied by the applicable percentage from the table below:

Plan Type
% of Premiums Paid as per policy term
Plan A
Plan B

The policy shall be terminated once the Maturity Benefit is paid.
Rider Benefits
For added protection, you can enhance your insurance coverage during the policy term by adding riders for a nominal extra cost. Please refer to detailed brochures on riders or consult your financial advisor.
Tax Benefits
As per extant tax laws, this plan offers tax benefits under Section 80C, 80D and Section 10(10D) of the Income Tax Act, 1961. Please consult your tax advisor for details.
For details on the above mentioned benefits, please refer to product brochure before concluding the sale.


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