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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.


Benefits of Vision LifeSecure Plan
Maturity Benefit: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.
Death Benefit1:

In the unfortunate event of death of the life insured during the policy term, the nominee shall receive the Guaranteed Death Benefit; plus accrued regular bonuses as on date of death; plus Terminal Bonus, (if any).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 service tax, if any ) shall be payable as the Death Benefit. In case of death during this period or survival to the age of 100 years, if earlier, the Guaranteed Death Benefit1 shall be payable. Guaranteed Death Benefit is the Sum Assured or 10 times the annual premium payable, whichever is higher. If the life insured is different from the policyholder, we shall pay the above death benefit to the policyholder and the policy shall be terminated once the death benefit is paid.

1Subject to a minimum of 105% of total premiums paid to date (excluding Service Tax & Cess, any applicable rider, and underwriting extras, if any)
Customisable Benefits:

For added protection, you can enhance your insurance coverage during the policy term by adding the 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: 109B017V02)
  • ABSLI Accidental Death Benefit Rider Plus (UIN: 109B023V01)

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

Reduced Paid-up Benefits:

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

Tax Benefits:

As per extant tax laws, this plan offers tax benefits under Section 80C and (1) Section 10(10D) of the Income Tax Act, 19611 subject to fulfilment of the other conditions of the respective sections prescribed therein.
1Tax benefits are subject to changes in tax laws. Please consult your tax advisor for more details.

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

This policy is underwritten by Aditya Birla Sun Life Insurance Company Ltd. (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. 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. 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. Registered Office: One Indiabulls Centre, Tower 1, 16th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai - 400 013. Reg No. 109 ADV/7/17-18/629 VER2/JULY/2017

IRDAI clarifies to the public that IRDAI or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums. IRDAI does not announce any bonus. Public receiving such phone calls are requested to lodge a police complaint along with details of phone call number.
Unique No. 109N087V03