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Untitled Document In this policy, investment risk in investment portfolio is borne by the policyholder. 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.
In order to build a better life and realise your dreams, you always need to plan ahead. That's why you need a savings plan that helps you attain your goals with your changing life stage and can be customised to match your needs while giving you peace of mind. Introducing Aditya Birla Sun Life Insurance Wealth Secure Plan that combines long term savings and whole life coverage specially designed for you to focus on your goals and maximise savings for your future.

Here's a glimpse of how the plan works

Aniket Oberoi is a healthy 35 year old senior software engineer. A father of two, his parents still live with him. Ensuring his family gets the best of everything is his prime concern. Although this results in his own passions tacking a back seat. So to ensure that his golden years remain truly golden he opts for the Wealth Secure Plan for a period of 20 years. He pays 2,40,000 annual premium regularly and gains a life cover that's 17.5% times as big as his premium. The moment he turns 55, he gains Rs.50,000(as per 8%)(1) or Rs.15,000(as per 4%)(1) every month as a regular source of wealth. This amount is 2.5 times as big as his premium and is entirely tax-free(2). Apart from this, Aniket also enjoy's this cover till the age of 100 and the freedom to pursue his dreams.
In case of his untimely death, his family also gets the total sum assured.

(1)The illustration is based on 4% or 8% rate of return.The rate of returns mentioned above are bound to change in future. These assumed rates of return shown in the illustration above are not guaranteed and they are not upper or lower limits of what you might get back, as value of your policy is dependent on number of factors including future investment performance.

(2)Tax benefits are subject to changes in the tax law, please consult your tax advisor for more details.

Key Features:
1.  Pay premiums for a limited term and get life cover for whole life
2.   Flexibility to add top-ups whenever you have additional savings
3.  Flexibility of partial withdrawals to meet any emergency fund requirements
4.  Flexibility to choose from 3 investment options to suit your investment needs
4.  Tax benefits under section 80C and section 10(10D) of the Income Tax Act, 1961(3)

(3)Tax benefits are subject to changes in the tax law, please consult your tax advisor for more details
How does the plan work?
1.  Choose the Basic Premium
2.  Based on your insurance needs, you can increase the amount of protection by opting for 150%, 200%, 250% or 300% of the minimum Basic Sum Assured.
3.  Choose the mode of payment i.e. monthly, quarterly,semi-annually or annually
4.  Choose Investment Option
Quick View
Policy Term
Whole Life
Entry Age
1 to 60 years
Pay Term
5 to 30 years
Minimum PPT
Attained age at the end of premium paying term must be 18 years & more
Maximum PPT
Attained age at the end of premium paying term must be 75 years or less
Basic Premium
Minimum Rs.20,000 p.a. if paid annually
Minimum Rs.30,000 p.a. if paid semi-annually
Minimum Rs.60,000 p.a. if paid monthly or quarterly
Top-up Premium
Minimum Rs.5,000

Unit linked Life Insurance products are different from the traditional insurance products and are subject to risk factors.This policy is underwritten by Birla Sun Life Insurance Company Limited (BSLI). This is a non-participating unit linked life insurance plan savings for your second innings . Birla Sun Life Insurance and BSLI Wealth Secure Plan are only the names of the Company and Policy respectively and do not in any way indicate their quality, future prospects or returns. The name of the funds offered in this plan does not in any way indicate their quality, future prospectsor returns. In this plan, the investment risk in the investment funds chosen by you is borne by you. Investment funds are subject to investment risks and unit prices may go up or down reflecting the market value of the underlying assets. Past performance is no guarantee of future results.The charges are guaranteed throughout the term of the policy unless specifically mentioned and subject to IRDAI approval. The value of the investment fund reflects the value of the underlying investments. These investments are subject to market risks and change in fundamentals such as tax rates, etc affecting the investment portfolio. The premium paid in unit linked life insurance policies are subject to investment risk associated with capital markets and the unit price of the units may go up or down based on the performance of investment fund and factors influencing the capital market and the policyholder is responsible for his/her decisions. There is no guarantee or assurance of returns above the guaranteed returns from the investment funds. Service Tax and Education Cess and any other applicable taxes levied as per extant tax laws shall be deducted from the premium or from the allotted units as applicable. For more details on risk factors, terms and conditions please refer to 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 -400013.Registration no.109 CIN: U99999MH2000PLC128110 ADV/4/17-18/110 VER2/APR/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 number.
Unique No. 109L074V04