Grievance Redressal

At Aditya Birla Sun Life Insurance, it is our constant endeavour to ensure that your queries and concerns are resolved on priority.
Click on below link to view Grievance Redressal Officers List(2024) -
GRO List(2024)

Track your Registered Complaint

If you have already registered the compliant, please enter the Policy no. or Case reference no. which was provided on your registered email address

Enter your Policy Number to know the status

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Resolving Concerns & Restoring Trust is our priority

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Policy number is a 9 Digit mentioned on your policy document received from ABSLI

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Policy number is a 9 Digit mentioned on your policy document received from ABSLI

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*Please enter a valid 9 digit Policy No.

Policy number is a 9 Digit mentioned on your policy document received from ABSLI

Enter your token/reference no. from Birl Bharosa website or ABSLI portal

+91
*Please enter a valid 10 digit Mobile No.
*Please enter a valid Email ID
Character Limit - 1000
*This field is required.

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File has to be in .JPG, .JPEG, .GIF, .DOC, .DOCX or .PDF format Image size shouldn't be more than 5 MB.
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For non Aditya Birla Customer

If you are not a Aditya Birla Sun Life Insurance Policy Holder, please write your complaint at care.lifeinsurance@adityabirlacapital.com

For senior citizens

If you are not a Aditya Birla Sun Life Insurance Policy Holder, please write your complaint at care.lifeinsurance@adityabirlacapital.com

For NRI

If you are not a Aditya Birla Sun Life Insurance Policy Holder, please write your complaint at care.lifeinsurance@adityabirlacapital.com

Toll Free

Between 10 am to 7 pm, All 7 Days

Within India:1800 270 7000

Outside India:+91 8045860777

(Call charges apply)

WhatsApp:+91 9945860999

Download Grievance Redressal Policy


Click here to download the Grievance Redressal Policy.

IRDAI Grievance Redressal Guidelines

Putting You First: IRDAI's Grievance Redressal Directives for Timely and Effective Insurance Issue Resolution.

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Grievance Redressal Officer's List

Branch Code

Branch Location

Grievance Redressal Officer (GRO name)

GRO Designation

GRO E-mail ID

4

Mumbai - Virar

Naseeb Singh

Senior Branch Head

Naseeb.Singh@adityabirlacapital.com

5

Mumbai  Dombivali

Naresh Ramchand Ramrakhiyani

Senior Branch Head

naresh.ramrakhiyani@adityabirlacapital.com

14

Ahmedabad - Maninagar

Narendra Patel

Branch Head

Narendra.Patel@adityabirlacapital.com

16

Pune 4 Aundh

Tushar Vengurlakar

State Manager

Tushar.Vengurlakar@adityabirlacapital.com

22

Kottarakkara

Shafna Basheer

Branch Manager

shafna.basheer@adityabirlacapital.com

27

Goa 4 - Mapusa

Sereno Stanislaus Pinto

Branch Manager

sereno.pinto@adityabirlacapital.com

38

Srinagar

Neeraj Ajmani

State Manager

neeraj.ajmani@adityabirlacapital.com

43

Bhubaneswar 2

Chittaranjan Barik

Senior Branch Head

Chittaranjan.Barik@adityabirlacapital.com

48

Cuttack

Aurbindo Sahoo

Senior Branch Head

Aurobinda.Sahoo@adityabirlacapital.com

50

Durgapur

Biswanath Kundu

Branch Manager

Biswanath.Kundu@adityabirlacapital.com

54

Jammu

Abhishek Gupta

Senior Branch Head

Abhishek.Gupta8@adityabirlacapital.com

55

Jalgaon

Chandrakant Dattatray More

Branch Manager

chandrakant.more@adityabirlacapital.com

57

Dhule

Bipin Shashikant Talele

Branch Head

Bipin.Talele@adityabirlacapital.com

58

Korba

Ajay Kumar Gupta

Branch Manager

Ajay.Gupta5@adityabirlacapital.com

59

Latur

Nagnath Dhondiram Lahane

Branch Head

Nagnath.Lahane@adityabirlacapital.com

60

Nizamabad

Bhavani Sankar

State Manager

bhavani.sankar@adityabirlacapital.com

61

Barddhaman

Shamim Hasan Mondal

Branch Manager

Shamimhasan.Mondal@adityabirlacapital.com

62

Bilaspur

Pradeep Jaiswal

Branch Head

Pradeep.Jaiswal@adityabirlacapital.com

63

Kurnool

Bhavani Sankar

State Manager

bhavani.sankar@adityabirlacapital.com

64

Parbhani

Vishal Bhagorao Sonune

Area Head

Vishal.Sonune@adityabirlacapital.com

66

Ichalkaranji

Sanjay Krishna Patil

Branch Manager

sanjay.patil1@adityabirlacapital.com

67

Ramagundam

SAGAR CHOUDARI

Branch Manager

sagar.choudari@adityabirlacapital.com

72

Thanjavur

Kalidhas GOPALAKRISHNAN

Branch Manager

kalidhas.gopalakrishnan@adityabirlacapital.com

75

Uluberia

Rahul Kumar Singh

Area Head

Rahul.Singh2@adityabirlacapital.com

79

Burhanpur

Deependra Thakur

State Manager

Deependra.thakur@adityabirlacapital.com

80

Munger

Satya Prakash Bhagat

Senior Branch Head

Satya.Prakash2@adityabirlacapital.com

81

Vellore

A Manikandan Anbazhagan

Branch Head

a.manikandan@adityabirlacapital.com

82

Katihar

Dr.Mukul Milanarun

Branch Head

Mukul.Milanarun@adityabirlacapital.com

84

Khandwa

Amiy Purohit

Branch Head

Amiy.Purohit@adityabirlacapital.com

85

Purnia

Deepak Kumar Sinha

Branch Head

Deepak.Sinha@adityabirlacapital.com

86

Haldia

Arnab Chakraborty

Senior Branch Head

Arnab.Chakraborty1@adityabirlacapital.com

88

Chandannagar

Abhijit Datta

State Manager

abhijit.datta@adityabirlacapital.com

89

English Bazar

Md Hassanuzzaman

Branch Manager

Md.Hassanuzzaman@adityabirlacapital.com

90

Baharampur

Somnath Banerjee

Branch Manager

somnath.banerjee@adityabirlacapital.com

91

Khammam

Kummarakuntla Srinivasa Rao

Branch Manager

kummarakuntla.srinivasarao@adityabirlacapital.com

93

Puri

Amar Prasad Nayak

Branch Head

Amar.Nayak@adityabirlacapital.com

95

Sambalpur

Animesh Kumar

State Manager

animesh.singh@adityabirlacapital.com

96

Chittoor

Mugilan Murugan

Branch Manager

mugilan.murugan@adityabirlacapital.com

100

Medinipur

Ashim Sarkar

Branch Manager

Ashim.Sarkar@adityabirlacapital.com

101

Mumbai - Marine Lines

Vikas Vijay Mehra

Branch Head

vikas.mehra1@adityabirlacapital.com

102

Mumbai - Chembur

Mona Ramlalji Gupta

Senior Branch Head

Mona.Gupta1@adityabirlacapital.com

103

Mumbai - Vile Parle

Satyendra Dinesh Singh

Senior Branch Head

satyendra.singh5@adityabirlacapital.com

105

Mumbai 5 (Ghatkopar)

Shailesh Sakharam Jadhav

Senior Branch Head

shailesh.jadhav1@adityabirlacapital.com

108

Mumbai -Andheri

Mithun Vasant Dedhia

Branch Head

Mithun.Dedhia@adityabirlacapital.com

109

New Mumbai - Vashi

Prabhakar Singh

Senior Branch Head

Prabhakar.Singh@adityabirlacapital.com

114

Veraval

Jatinkumar Prataprai Dave

Branch Head

Jatinkumar.Dave@adityabirlacapital.com

120

Thane

Jignesh Bapna

Branch Head

Jignesh.PrakashBapna@adityabirlacapital.com

127

Borivali(W)-Mum

Uttam Kumar Mishra

Branch Head

uttam.mishra@adityabirlacapital.com

131

Pune Branch

Parag Sharad Thekedar

Area Head

Parag.Thekedar@adityabirlacapital.com

132

Nasik

Abhishek Sharad Ambekar

Area Head

Abhishek.Ambekar@adityabirlacapital.com

133

Pune 2 Pimpri

Quazi Mohammad Sayeed

Branch Head

quazi.sayeed@adityabirlacapital.com

134

Ahmednagar

Ravindra Nandu Dhangar

Branch Manager

ravindra.dhangar@adityabirlacapital.com

135

Kolhapur

Tushar Vengurlakar

State Manager

Tushar.Vengurlakar@adityabirlacapital.com

136

Solapur

Tushar Vengurlakar

State Manager

Tushar.Vengurlakar@adityabirlacapital.com

139

Sasaram

Amrit Ranjan

Senior Branch Head

Amrit.Ranjan@adityabirlacapital.com

140

Nagpur

Nikhil Ashokrao Pasare

Senior Branch Head

nikhil.pasare@adityabirlacapital.com

142

Yavatmal

Himanshu Arun Raja

Branch Head

Himanshu.Raja@adityabirlacapital.com

144

Chandrapur

Syed Raffiuddin Qazi

Area Head

Syed.Qazi@adityabirlacapital.com

145

Akola

Tushar Vengurlakar

State Manager

Tushar.Vengurlakar@adityabirlacapital.com

147

Amravati

Navajyot Digambar Gawande

Branch Manager

navajyot.gawande@adityabirlacapital.com

148

Mahbubnagar

Bhavani Sankar

State Manager

bhavani.sankar@adityabirlacapital.com

149

Palakkad

Mathew Jose

Branch Manager

mathew.jose@adityabirlacapital.com

150

Goa

Vijay Mahar

Senior Branch Manager

vijay.mahar@adityabirlacapital.com

152

Bankura

Goutam Sinha Mahapatra

Branch Manager

Goutam.Sinha@adityabirlacapital.com

155

Saharsa

Kishor Kumar

Senior Branch Head

Kishor.Kumar3@adityabirlacapital.com

158

Chhindwara

Sahil Rambaran Tiwari

Branch Head

sahil.tiwari@adityabirlacapital.com

159

Godhra

Bimal Sureshchandra Mehta

Senior Branch Head

Bimal.Mehta@adityabirlacapital.com

162

Bettiah

Amit Kumar Roy

Branch Manager

Amit.Roy@adityabirlacapital.com

163

Mandsaur

Niranjan Saraswat

Area Head

niranjan.saraswat@adityabirlacapital.com

166

Raniganj

Md. Nausad Ansary

Branch Manager

md.ansary@adityabirlacapital.com

167

Palanpur

Vishnu Kalavant

Branch Manager

Vishnu.Kalavand@adityabirlacapital.com

168

Nalgonda

Rajamanohar Reddy Kancharla

Area Head

Rajmanohar.Reddy@adityabirlacapital.com

169

Siwan

Om Prakash

Branch Head

Om.Prakash@adityabirlacapital.com

170

Ahmedabad - C G Road / Ashram Rd / ZO

Biren Rajendrakumar Shah

Branch Head

biren.shah@adityabirlacapital.com

172

Jamnagar

Madhavkumar Anantray Trivedi

Branch Head

madhavkumar.trivedi@adityabirlacapital.com

173

Bhavnagar

Jatin Barot

State Manager

jatinkumar.barot@adityabirlacapital.com

174

Gandhidham

Rahul Prasad

Senior Branch Head

Rahul.Prasad2@adityabirlacapital.com

175

Mehsana

Kaneriya HINABEN PRABHUDAS

Branch Manager

kaneriya.prabhudas@adityabirlacapital.com

176

Junagad

Milankumar K Dobaria

Branch Head

Milan.Dobaria@adityabirlacapital.com

180

Baroda Branch

Pankaj Ramanlal Shah

Area Head

Pankaj.Shah@adityabirlacapital.com

181

Baleshwar

Chandrakanta Pradhan

Senior Branch Head

Chandrakanta.Pradhan@adityabirlacapital.com

183

Motihari

Lalit Narayan Mishra

Senior Branch Head

Lalitn.Mishra@adityabirlacapital.com

186

Surat Branch

Varun Kushwah

Area Head

Varun.Kushwah@adityabirlacapital.com

188

Bhuj

Jatin Barot

State Manager

jatinkumar.barot@adityabirlacapital.com

189

Deoghar

Amresh Amar

Branch Head

Amresh.Amar@adityabirlacapital.com

190

Rajkot

Jethwa Jitendrasinh Gulabsinh

Area Head

Jitendrasinh.Jethwa@adityabirlacapital.com

191

Valsad

Rakesh Kumar Jha

Area Head

Rakesh.Jha@adityabirlacapital.com

192

Bharuch

Chiragbhai Jaykumarbhai Gandhi

Branch Head

chiragbhai.gandhi@adityabirlacapital.com

193

Vapi

Jatin Barot

State Manager

jatinkumar.barot@adityabirlacapital.com

194

Anand

Palak Pranaykumar Shah

Senior Branch Head

Palak.Shah@adityabirlacapital.com

196

Nadiad

Mayursinh Kanaksinh Vaghela

Branch Manager

Mayursinh.Vaghela@adityabirlacapital.com

201

Nagda

Praveen Shukla

Branch Manager

Praveen.Shukla@adityabirlacapital.com

203

Baripada

Animesh Kumar

State Manager

animesh.singh@adityabirlacapital.com

205

Begusarai

Rajeev Ranjan Mishra

Branch Head

Rajeev.Mishra3@adityabirlacapital.com

207

Bhadrak

Rajendra Mishra

Branch Head

Rajendra.Mishra@adityabirlacapital.com

215

Balangir

Ujjal Chandra Dash

Branch Head

Ujjal.Dash@adityabirlacapital.com

218

Deesa

VELJIBHAI NAGJIBHAI BHEMANI

Branch Manager

veljibhai.bhemani@adityabirlacapital.com

220

Darjeeling

Nabargho Das

Branch Head

nabargho.das@adityabirlacapital.com

221

Koch Bihar

Rupam Datta

Branch Manager

Rupam.Datta@adityabirlacapital.com

222

Barrackpore

Subhrajit Bhaumik

Branch Manager

subhrajit.bhaumik@adityabirlacapital.com

223

Barasat

Abhijit Datta

State Manager

abhijit.datta@adityabirlacapital.com

226

Kolkata - Central

Jayanta Sharma

Senior Branch Head

Jayanta.Sharma@adityabirlacapital.com

227

Kolkata  - Dalhousie

Sourav Ghosal

Senior Branch Head

sourav.ghosal@adityabirlacapital.com

229

Asansol

Prashant Kumar Singh

Senior Branch Head

Prashant.Singh3@adityabirlacapital.com

230

Siliguri

Prabhat Lama

Branch Head

prabhat.lama@adityabirlacapital.com

231

Kharagpur

Debershi Sarkar

Branch Head

debershi.sarkar@adityabirlacapital.com

233

Buxar

Ashutosh Kumar Singh

Senior Branch Head

Ashutosh.Singh@adityabirlacapital.com

234

Silchar

Abdul Hai

Senior Branch Head

Abdul.Hai@adityabirlacapital.com

235

Guwahati Branch

Abhijit Chakraborty

Branch Head

abhijit.chakraborty1@adityabirlacapital.com

236

Jorhat

Bijay Singh

Area Head

Bijay.Singh3@adityabirlacapital.com

237

Tinsukia

Romendu Bhattacharjee

Branch Head

romendu.bhattacharjee@adityabirlacapital.com

238

Shillong

Mondaystar Dkhar

Branch Manager

Mondaystar.Dkhar@adityabirlacapital.com

239

Dimapur

Atul Chaturvedy

Branch Head

Atul.Chaturvedy@adityabirlacapital.com

240

Bhubaneshwar

Rahul Dev Bal

Area Head

Rahul.Devbal@adityabirlacapital.com

242

Rourkela

Bijesh Kumar Pati

Senior Branch Head

bijesh.pati@adityabirlacapital.com

243

Behrampur

Ashis Kumar Padhy

Branch Manager

Ashis.Padhy@adityabirlacapital.com

246

Aurangabad

Shailendra Kumar

Senior Branch Head

Shailendra.Kumar@adityabirlacapital.com

250

Lakhisarai

Hitesh Prasad

Senior Branch Head

Hitesh.Prasad@adityabirlacapital.com

251

Contai

Tapan Kumar Maity

Area Head

Tapan.Maity@adityabirlacapital.com

252

Karur

Shenaz A

State Manager

shenaz.a@adityabirlacapital.com

254

Dhar

Harsh Solanki

Senior Branch Head

harsh.solanki@adityabirlacapital.com

255

Jagdalpur

Anil Kumar Gupta

Branch Manager

anil.gupta7@adityabirlacapital.com

256

Ramgarh Cantonment

Shailendra Kumar

Branch Manager

Shailendra.Kumar4@adityabirlacapital.com

264

Madhubani

Nikhil Gupta

State Manager

Nikhil.Gupta@adityabirlacapital.com

265

Ambikapur

Vishal Ambastha

Senior Branch Head

Vishal.Ambasta@adityabirlacapital.com

268

Dhubri

Santosh Kumar Ray

Branch Manager

santosh.ray@adityabirlacapital.com

269

Kannur

Kiran Vannadil

Branch Manager

kiran.vannadil@adityabirlacapital.com

272

Sangamner

Rajesh Kashinath Patel

Branch Head

rajesh.patel@adityabirlacapital.com

274

Tura-Meghalaya

Prem Prakash Tiwari

Area Head

Prem.Tiwari@adityabirlacapital.com

278

Udhampur

Showkat Ahmad Chaku

Branch Manager

showkat.chaku@adityabirlacapital.com

280

Bongaigaon

Sambhu Paul

State Manager

Sambhu.paul@adityabirlacapital.com

281

North Lakhimpur

Kabindra Nath Saikia

Branch Head

Kabindra.Saikia@adityabirlacapital.com

282

Barpeta

Dhruba Kumar Saha

Senior Branch Head

Dhruba.Saha@adityabirlacapital.com

283

Itanagar

Manoj Kumar Mallik

Branch Manager

Manoj.Mallik@adityabirlacapital.com

285

Sibsagar

Anurag Dutta

Branch Manager

Anurag.Dutta@adityabirlacapital.com

286

Nagaon

Abhishek Jaiswal

Senior Branch Head

Abhishek.Jaiswal1@adityabirlacapital.com

287

Dibrugarh

Debajyoti Das

Branch Manager

DEBAJYOTI.DAS@adityabirlacapital.com

288

Tezpur

Dipankar Baruah

Senior Branch Head

Dipankar.Baruah@adityabirlacapital.com

298

Changanassery

Arun P Nair

Branch Manager

arun.nair@adityabirlacapital.com

301

Kunnamkulam

Abdulmajeed Tt

Branch Head

AbdulMajeed.TT@adityabirlacapital.com

308

Tamluk

Suman Maiti

Senior Branch Head

Suman.Maiti@adityabirlacapital.com

309

Dumka

Kamrul Hasan

Branch Head

Kamrul.Hasan@adityabirlacapital.com

312

Dahanu

Rajesh Kumar

Senior Branch Head

rajesh.kumar11@adityabirlacapital.com

315

Kalimpong

Abhijit Datta

State Manager

abhijit.datta@adityabirlacapital.com

319

Gumla

Md Adil Shamim

Branch Manager

mdadil.shamim@adityabirlacapital.com

320

Sundargarh

Jayanta Kumar Panda

Senior Branch Head

Jayanta.Panda@adityabirlacapital.com

321

Anugul

Saroj Kumar Dash

Branch Head

Saroj.Dash@adityabirlacapital.com

322

Pathanamthitta

Vishu V Reghu

Branch Manager

vishu.reghu@adityabirlacapital.com

323

Diamond Harbour

Sandip Dutta

Branch Head

sandip.dutta@adityabirlacapital.com

324

Godda

Md. Yasir

Branch Manager

Md.Yasir@adityabirlacapital.com

325

Angamaly

Vijith N

State Manager

Vijith.n@adityabirlacapital.com

326

Golaghat

Chandan Kumar Dutta

Branch Manager

chandan.dutta@adityabirlacapital.com

328

Jagatsinghapur

Jyotiranjan Jena

Area Head

Jyoti.Jena@adityabirlacapital.com

331

Mavelikkara

Aneesh C P

Senior Branch Head

aneesh.cp@adityabirlacapital.com

333

Rangia

KAJAL DAS

Branch Manager

kajal.das4@adityabirlacapital.com

335

Mangaldoi

Goutam Debnath

Senior Branch Head

Goutam.Debnath@adityabirlacapital.com

336

Guruvayoor

Vijith N

State Manager

Vijith.n@adityabirlacapital.com

339

Kullu

Daulat Ram Thakur

Senior Branch Head

Daulat.Thakur@adityabirlacapital.com

341

Nayagarh

Jyotirmay Pradhan

Branch Manager

jyotirmay.pradhan@adityabirlacapital.com

348

Jharsuguda

Manoranjan Panda

Senior Branch Head

Manoranjan.Panda@adityabirlacapital.com

351

Chennai - Egmore

Kalaivani Chandrasekeran

Senior Branch Head

Kalaivani.Chandrasekeran@adityabirlacapital.com

352

Chennai - Mylapore

Suresh K

Senior Branch Head

SURESH.K@adityabirlacapital.com

353

Salem

Balaraman K R

Branch Manager

balaraman.kr@adityabirlacapital.com

354

Chennai - Adyar / ZO

G Thomas Prem Kumar

Area Head

Gthomas.Kumar@adityabirlacapital.com

355

Trichy

G Vasantha Sekar

Branch Head

g.vasanthasekar@adityabirlacapital.com

356

Jharia

Animesh Kumar

State Manager

animesh.singh@adityabirlacapital.com

357

Kendujhar

Jyanendra Kumar Pradhan

Senior Branch Head

Jyanendra.Pradhan@adityabirlacapital.com

371

Coimbatore Branch

Mohanraj Subramaniyam

Branch Head

mohanraj.subramaniyam@adityabirlacapital.com

372

Madurai

Kg Karnahkaran

Branch Manager

kg.karnahkaran@adityabirlacapital.com

421

Jhumritiliya

VIJAYENDRA KUMAR SINGH

Branch Head

vijayendra.singh1@adityabirlacapital.com

424

Pondicherry

Dinesh R

Branch Manager

Dinesh.R@adityabirlacapital.com

426

Kochi/Ernakulam Branch

Jef George

Branch Manager

jef.george@adityabirlacapital.com

427

Thiruvananthpuram

Sujith S S

Branch Manager

sujith.s1@adityabirlacapital.com

428

Calicut

Ramitha K

Branch Head

Ramitha.K@adityabirlacapital.com

429

Kottayam

Vidya C M

Branch Manager

vidya.m@adityabirlacapital.com

430

Thrissur

Shyla Khayas

Area Head

Shyla.Khayas@adityabirlacapital.com

431

Aleppey

Sinto George

Senior Branch Head

Sinto.George@adityabirlacapital.com

432

Kollam

Sandeep S

Branch Manager

sandeep.s3@adityabirlacapital.com

463

Narnaul

Atul Sharma

State Manager

atul.sharma11@adityabirlacapital.com

465

Fatehabad

Pardeep Kumar

Branch Manager

pardeep.kumar1@adityabirlacapital.com

467

Jind

Sunil Thakral

Senior Branch Head

Sunil.Thakral@adityabirlacapital.com

469

Rewari

Gaurav Yadav

Branch Head

gaurav.yadav1@adityabirlacapital.com

473

Shahadra-Delhi

Shubham Mishra

Senior Branch Head.

shubham.mishra10@adityabirlacapital.com

475

Delhi - TPD

Shashi Bhushan Rai

Area Head

shashi.rai1@adityabirlacapital.com

476

Delhi - Connaught Place(Cp)

Mohit Sharma

Senior Branch Head

mohit.sharma37@adityabirlacapital.com

477

Delhi - Nehru Place

Praveen Sharma

Branch Head

praveen.sharma6@adityabirlacapital.com

480

Delhi - Janakpuri

Gaurav Kumar

State Manager

gaurav.Kumar1@adityabirlacapital.com

481

Panipat

Kanika Lamba

State Manager

Kanika.Lamba@adityabirlacapital.com

484

Saket-Delhi

Prahlad Singh

Branch Head

prahlad.singh@adityabirlacapital.com

487

Dwarka-Delhi

Raj Kumar

Branch Head

Raj.Kumar2010@adityabirlacapital.com

490

Noida Branch

Surya Pratap Singh

Senior Branch Head

Surya.Singh2@adityabirlacapital.com

491

Gurgaon

Anurag Srivastava

Branch Head

anurag.srivastava2@adityabirlacapital.com

492

Faridabad

Sachin Grover

Senior Branch Head

sachin.grover@adityabirlacapital.com

493

Hissar

Pankaj Chugh

Area Head

Pankaj.Chugh@adityabirlacapital.com

494

Rohtak

Neeraj Ajmani

State Manager

neeraj.ajmani@adityabirlacapital.com

495

Thanesar-Kurukshetra

Kanika Lamba

State Manager

Kanika.Lamba@adityabirlacapital.com

496

Sirsa

Piyush Pandey

Branch Manager

piyush.pandey3@adityabirlacapital.com

497

Bhiwani

Vikas Gajwani

Senior Branch Head

Vikas.Gajwani@adityabirlacapital.com

498

Sonipat

Vikas Choudhary

Branch Head

vikas.choudhary1@adityabirlacapital.com

499

Yamunanagar

Lal Babu

Branch Manager

Lal.Babu@adityabirlacapital.com

500

Karnal

Sohan Rana

Senior Branch Head

Sohan.Rana@adityabirlacapital.com

501

Ludhiana

Jasvir Kumar

Area Head

Jasvir.Kumar@adityabirlacapital.com

502

Jalandhar

Sarfraz Ahmed

Branch Manager

sarfraz.ahmed1@adityabirlacapital.com

503

Ambala

Sachin Kumar

Senior Branch Head

sachin.kumar3@adityabirlacapital.com

504

Amritsar

Gaurav Behal

Branch Head

Gaurav.Behal@adityabirlacapital.com

505

Bhatinda

Kunal Dhawan

Area Head

Kunal.Dhawan@adityabirlacapital.com

509

Faridkot

Neeraj Ajmani

State Manager

neeraj.ajmani@adityabirlacapital.com

540

Chandigarh

Shweta Sharma

Branch Head

shweta.sharma3@adityabirlacapital.com

600

Delhi - TPD / Karol Bagh

Gaurav Kumar

State Manager

gaurav.Kumar1@adityabirlacapital.com

601

Indore

Abhishek Khare

Senior Branch Head

Abhishek.Khare@adityabirlacapital.com

602

Jabalpur

Pronoy Mazumdar

Branch Head

Pronoy.Mazumdar@adityabirlacapital.com

603

Gwalior

Deependra Thakur

State Manager

Deependra.thakur@adityabirlacapital.com

605

Ujjain

Deepak Sharma

Branch Head

deepak.sharma28@adityabirlacapital.com

610

Bhopal Branch

Jitendra Pandey

Branch Head

jitendra.pandey2@adityabirlacapital.com

611

Satna

Narayan Prasad Patkar

Branch Head

Narayan.Patkar@adityabirlacapital.com

612

Sagar

Deependra Thakur

State Manager

Deependra.thakur@adityabirlacapital.com

620

Raxaul

Ashok Kumar

Branch Manager

a.kumar@adityabirlacapital.com

623

Hyderabad - Kukkatpally

Pendela Suresh Babu

Branch Head

pendela.babu@adityabirlacapital.com

626

Hyderabad - Vanasthalipuram

Yelchala Bala Shekar

Branch Manager

Yelchala.Shekar@adityabirlacapital.com

650

Raipur Branch

Rajesh Prasad Hota

Branch Head

rajesh.hota@adityabirlacapital.com

651

Bhillai

Chandan Chaudhary

Senior Branch Head

Chandan.Chaudhary@adityabirlacapital.com

656

Ahmedabad

Jatin Barot

State Manager

jatinkumar.barot@adityabirlacapital.com

666

Coimbatore

Shenaz A

State Manager

shenaz.a@adityabirlacapital.com

724

Bangalore TPD (Millers Road)

Vrathi JB

State Manager

Vrathi.JB@adityabirlacapital.com

727

Bangalore - Jayanagar

Manju G H

Senior Branch Head

manju.gh@adityabirlacapital.com

728

Bangalore - Indiranagar

Mohan M

Branch Manager

mohan.m6@adityabirlacapital.com

729

Bellary

K Raghavendra

Area Head

K.Raghavendra@adityabirlacapital.com

730

Hubli

Vrathi JB

State Manager

Vrathi.JB@adityabirlacapital.com

734

Udupi

Vrathi JB

State Manager

Vrathi.JB@adityabirlacapital.com

735

Mysore

Bopanna A A

Branch Head

Bopanna.A@adityabirlacapital.com

736

Mangalore Branch

Seema Pavitra Bhandary

Senior Branch Head

seema.pavitrabhandary@adityabirlacapital.com

737

Kummnihalli-Banglore

Abuthahir A

Branch Manager

Abuthahir.A@adityabirlacapital.com

738

Koramangala-Bangalore

Ashwin Kumar

Assistant Branch Manager

ashwin.kumar2@adityabirlacapital.com

747

Ramnagaram

Vrathi JB

State Manager

Vrathi.JB@adityabirlacapital.com

751

Kolar

Prakashappa A

Branch Head

Prakashappa.A@adityabirlacapital.com

752

Hassan

CHANDRAKUMAR Y S

Branch Manager

chandrakumar.ys@adityabirlacapital.com

760

Davanagere

Praveen H A

Senior Branch Head

praveen.a1@adityabirlacapital.com

763

Shimoga

Sandeep V Prabhu

Branch Head

sandeep.prabhu@adityabirlacapital.com

766

Rajnandangaon

Manoj Kumar Singh

Branch Manager

manoj.singh16@adityabirlacapital.com

768

Nawada

Bibhash Kumar

Branch Manager

Bibhash.Kumar@adityabirlacapital.com

788

Kashipur

Abhinav Srivastava

Senior Branch Head

Abhinav.Srivastava@adityabirlacapital.com

796

Chengalpattu

Suresh Kumar A

Branch Manager

sureshkumar.a1@adityabirlacapital.com

797

Neyveli

M Karthikeyan

Senior Branch Head

M.Karthikeyan2@adityabirlacapital.com

800

Hyderabad - Sp Road

Ajay Sahgal

Area Head

Ajay.Sahgal@adityabirlacapital.com

801

Hyderabad - Somajiguda

Satyanarayana P

Senior Branch Head

Satyanarayana.P@adityabirlacapital.com

802

Rajahmundari

Juthuka Nagendra Rao

Senior Branch Head

juthuka.rao@adityabirlacapital.com

803

Vijaywada

Bachu Suresh Babu

Branch Head

bachu.sureshbabu@adityabirlacapital.com

804

Hyderabad -3

Suresh Amara

Senior Branch Head

Suresh.A@adityabirlacapital.com

806

Vizag

Jagannada Kanduri

Senior Branch Head

Jagannada.Kanduri@adityabirlacapital.com

809

Tirupati

S S Ratnam

Senior Branch Head

SubbaRatnam.Sunku@adityabirlacapital.com

816

Gudiwada (Krishna)

Tappetla Sandhya Rani

Branch Manager

tappetla.sandhyarani@adityabirlacapital.com

817

Palacole

DENABOYENA SURESH

Branch Head

denaboyena.suresh@adityabirlacapital.com

819

Chirala

Kottoori Ramakrishna

Senior Branch Head

Kottoori.Ramakrishna@adityabirlacapital.com

820

Anakapalle

Vijith N

State Manager

Vijith.n@adityabirlacapital.com

822

Srikakulam

Vijith N

State Manager

Vijith.n@adityabirlacapital.com

827

Vizianagaram

Murali Goda

Area Head

Murali.Goda@adityabirlacapital.com

829

Eluru

Vijith N

State Manager

Vijith.n@adityabirlacapital.com

830

Anantapur

B Suresh Kumar

Branch Manager

b.kumar2@adityabirlacapital.com

831

Guntur

Anil Kumar Kommavarapu

Branch Head

anil.kommavarapu@adityabirlacapital.com

832

Warangal

Vivek Agarwal

Branch Head

VIVEK.AGARWAL@adityabirlacapital.com

835

Haridwar - Roorkee

Pankaj Kumar

Branch Manager

pankaj.kumar1@adityabirlacapital.com

837

Haldwani-Cum-Kathgodom

Kamal Kumar Arya

Branch Head

kamal.arya@adityabirlacapital.com

845

Farrukhabad-Cum-Fatehgarh

Arvind Singh

Branch Head

Arvind.Singh9@adityabirlacapital.com

846

Firozabad

Ajay Bansal

Area Head

Ajay.Bansal@adityabirlacapital.com

847

Shahjahanpur

Sulabh Kapoor

Branch Head

Sulabh.Kapoor@adityabirlacapital.com

848

Aligarh

Sandeep Garg

Branch Manager

sandeep.garg@adityabirlacapital.com

850

Mathura

Shaurya Vardhan Sharma

Senior Branch Head

Shaurya.Vardhan@adityabirlacapital.com

851

Agra

Kuldeep Singh Solanky

Branch Manager

kuldeep.solanky@adityabirlacapital.com

855

Saharanpur

Anand Singh Tomar

Branch Head

anand.tomar@adityabirlacapital.com

857

Lucknow 2

Mayur Chaturvedi

State Manager

mayur.chaturvedi@adityabirlacapital.com

859

Moradabad

Sameer Gaur

Senior Branch Head

Sameer.Gaur@adityabirlacapital.com

860

Renukoot

Rahul Kumar Mishra

Branch Manager

rahul.mishra6@adityabirlacapital.com

861

Hamirpur

Alok Tiwari

Branch Manager

Alok.Tiwari1@adityabirlacapital.com

864

Basti

Anil Kumar Yadav

Branch Head

Anil.Yadav5@adityabirlacapital.com

865

Gonda

Jeevan Lal Awasthi

Branch Manager

jeevan.awasthi@adityabirlacapital.com

866

Lakhimpur Kheri

Sumanta Kumar Das

Branch Head

Sumantakumar.Das@adityabirlacapital.com

867

Hathras

Mamta Gupta

Branch Head

Mamta.Gupta2@adityabirlacapital.com

870

Akbarpur

Ashish Kumar Tiwari

Senior Branch Head

Ashish.Tiwari@adityabirlacapital.com

874

Bijnor

Vipul Kumar

Branch Head

vipul.kumar3@adityabirlacapital.com

875

Barabanki

Praveen Kumar Srivastava

Branch Manager

Praveenkumar.Srivastava@adityabirlacapital.com

876

Azamgarh

Ashwani Kumar Singh

Branch Head

Ashwani.Singh3@adityabirlacapital.com

877

Sultanpur

Satish Kumar Singh

Area Head

Satish.Singh@adityabirlacapital.com

878

Deoria

Shakuntala Singh

Branch Manager

Shakuntala.Singh@adityabirlacapital.com

880

Lucknow Branch

Alok Asthana

Area Head

Alok.Asthana@adityabirlacapital.com

881

Gorakhpur

Rajeev Kumar Pathak

Area Head

Rajeev.Pathak@adityabirlacapital.com

882

Ghaziabad

Abhay Shankar Rai

Senior Branch Head

abhay.rai1@adityabirlacapital.com

883

Allahabad

Amit Srivastav

State Manager

Amit.Srivastava@adityabirlacapital.com

884

Bareilly - Deendayal Puram

Ajeet Kumar Yadav

Area Head

ajeet.yadav1@adityabirlacapital.com

885

Meerut

Sachin Kumar Sharma

Senior Branch Head

Sachin.Sharma3@adityabirlacapital.com

886

Kanpur

Kirtikar Gupta

Senior Branch Head

Kirtikar.Gupta@adityabirlacapital.com

887

Varanasi

Rohit Sethi

Branch Head

rohit.sethi@adityabirlacapital.com

888

Deharadun

Jai Prakash Yadav

Senior Branch Head

Jai.Yadav@adityabirlacapital.com

889

Unnao

Amit Kumar Mishra

Senior Branch Head

amit.mishra4@adityabirlacapital.com

890

Muzaffarnagar

Vivek Bhardwaj

Area Head

Vivek.Bhardwaj2@adityabirlacapital.com

892

Orai

Nikhil Vishnoi

Branch Head

Nikhil.Vishnoi@adityabirlacapital.com

894

Sitapur

Danish Abbas Rizvi

Branch Head

Danish.Rizvi@adityabirlacapital.com

895

Jaunpur

Vivek kumar Srivastava

Branch Manager

vivek.srivastava4@adityabirlacapital.com

897

Rae Bareli

Durga Kant Tripathi

Branch Manager

durga.tripathi@adityabirlacapital.com

898

Bulandshahr

Sushil Jain

State Manager

sushil.jain1@adityabirlacapital.com

899

Etawah

Sushil Kumar Mishra

Branch Manager

sushil.mishra1@adityabirlacapital.com

900

Hapur

Somveer Singh

Branch Head

Somveer.Singh@adityabirlacapital.com

901

Jamshedpur

Brijesh Thandar

State Manager

Brijesh.Thandar@adityabirlacapital.com

902

Bokaro

Vinod Kumar

Senior Branch Head

Vinod.Kumar8@adityabirlacapital.com

903

Hazaribagh

Saurabh Kumar

Area Head

Kumar.Saurabh@adityabirlacapital.com

904

Ranchi

Arbind Kumar

Senior Branch Head

Arbind.Kumar@adityabirlacapital.com

905

Dhanbad

Ranjeet Kumar Jha

Senior Branch Head

Ranjeet.Jha@adityabirlacapital.com

906

Khatrasgarh

Anand Kumar Dasondhi

Branch Manager

Anand.Dasaundhi@adityabirlacapital.com

907

Samastipur

Mukesh Kumar

Branch Manager

mukesh.kumar@adityabirlacapital.com

910

Kolkata Behala

Abhijit Datta

State Manager

abhijit.datta@adityabirlacapital.com

919

Panchkula

Neeraj Ajmani

State Manager

neeraj.ajmani@adityabirlacapital.com

931

Patna Branch

Somya Shanker

Senior Branch Head

somya.shanker@adityabirlacapital.com

932

Muzzafarpur

Sushil Kumar Suman

Area Head

Sushil.Suman@adityabirlacapital.com

933

Bhagalpur

Shyam Kishore Sharma

Senior Branch Head

Shyam.Sharma@adityabirlacapital.com

934

Chhapra

Santosh Kumar Jaiswal

Senior Branch Head

Santosh.Sanu@adityabirlacapital.com

935

Darbhanga

Amar Kumar

Senior Branch Head

amar.kumar2@adityabirlacapital.com

936

Gaya

Arbind Kumar Singh

Branch Manager

Arbind.Singh3@adityabirlacapital.com

950

Jaipur

Vivek Dixit

Branch Head

vivek.dixit2@adityabirlacapital.com

951

Jodhpur

Manohar Singh Sisodiya

Area Head

Manohar.Sisodiya@adityabirlacapital.com

952

Sri Ganganagar

Saumya Tiwari

State Manager

Saumya.Tiwari@adityabirlacapital.com

953

Udaipur

Harshit Goyal

Branch Head

harshit.goyal@adityabirlacapital.com

955

Kota

Bhagwan Singh Shekhawat

Branch Head

Bhagwan.Singh@adityabirlacapital.com

956

Bikaner

Saumya Tiwari

State Manager

Saumya.Tiwari@adityabirlacapital.com

957

Ajmer

Mukesh Lawas

Branch Head

Mukesh.Lawas@adityabirlacapital.com

960

Pali

Saumya Tiwari

State Manager

Saumya.Tiwari@adityabirlacapital.com

962

Rajsamand

Sunil Chechani

Senior Branch Head

Sunil.Chechani@adityabirlacapital.com

964

Beawar

Saumya Tiwari

State Manager

Saumya.Tiwari@adityabirlacapital.com

965

Jhunjhunu

Chaturbhuj Singh Tanwar

Senior Branch Head

Chaturbhuj.Tanwar@adityabirlacapital.com

967

Sikar

Jitendra Kumar Patwari

Branch Head

jitendra.patwari@adityabirlacapital.com

970

Kishangarh

Vijay Shanker Vaishnav

Branch Head

vijay.vaishnav1@adityabirlacapital.com

976

Shimla

Pawan Chauhan

Branch Manager

Pawan.Chauhan@adityabirlacapital.com

981

Gangtok

Basanti Rai

Branch Head

basanti.rai1@adityabirlacapital.com

982

Singrauli

Amit Srivastav

State Manager

Amit.Srivastava@adityabirlacapital.com

985

Raigarh

Deependra Thakur

State Manager

Deependra.thakur@adityabirlacapital.com

986

Shahdol

Bhaskar Prasad Shukla

Branch Manager

bhaskar.shukla@adityabirlacapital.com

991

Agartala

Sambhu Paul

State Manager

Sambhu.paul@adityabirlacapital.com

994

Imphal

Mantosh Kangabam

Branch Manager

mantosh.kangabam@adityabirlacapital.com

995

Bhilwara

Archit Jain

Variable Branch Manager

archit.jain@adityabirlacapital.com

996

Hoshiarpur

Neeraj Ajmani

State Manager

neeraj.ajmani@adityabirlacapital.com

997

Pathankot

Neeraj Ajmani

State Manager

neeraj.ajmani@adityabirlacapital.com

999

Bijapur

Vrathi JB

State Manager

Vrathi.JB@adityabirlacapital.com

A01

Gulbarga

Harshavardhan G Inamdar

Variable Branch Manager

harshavardhan.inamdar@adityabirlacapital.com

A02

Hospet

Vrathi JB

State Manager

Vrathi.JB@adityabirlacapital.com

A03

Raichur

Vrathi JB

State Manager

Vrathi.JB@adityabirlacapital.com

A04

Tumkur

Vrathi JB

State Manager

Vrathi.JB@adityabirlacapital.com

A05

Indore

Abhishek Bansal

Area Head

Abhishek.Bansal2@adityabirlacapital.com

A07

Karimnagar

Bhavani Sankar

State Manager

bhavani.sankar@adityabirlacapital.com

A08

Alwar

Saumya Tiwari

State Manager

Saumya.Tiwari@adityabirlacapital.com

A09

Jhansi

Deependra Thakur

State Manager

Deependra.thakur@adityabirlacapital.com

A10

Chittorgarh

Saumya Tiwari

State Manager

Saumya.Tiwari@adityabirlacapital.com

A11

Rasbhehari

Abhijit Datta

State Manager

abhijit.datta@adityabirlacapital.com

A12

Aurangabad-MH

Siddharth Baburao Khandale

Branch Head

siddharth.khandale@adityabirlacapital.com

A14

Nellore

Sayyad Hamad Basha

Branch Manager

sayyad.hamadbasha@adityabirlacapital.com

A15

Arrah

Kumar Anup

Branch Manager

kumar.anup@adityabirlacapital.com

A16

Belgaum

Shreenandi Rudrappa Kyatannavar

Branch Manager

shreenandi.kyatannavar@adityabirlacapital.com

A17

Ratlam

Deependra Thakur

State Manager

Deependra.thakur@adityabirlacapital.com

Serial no.

Office  Name

GRO name

GRO Designation

GRO E-mail ID

1

India bulls - Elphinstone

Sharatee Ghosh

Chief Operations Officer

grievance.lifeinsurance@adityabirlacapital.com

2

G-Corp - Thane

Sharatee Ghosh

Chief Operations Officer

grievance.lifeinsurance@adityabirlacapital.com

3

R -Tech - Goregaon

Sharatee Ghosh

Chief Operations Officer

grievance.lifeinsurance@adityabirlacapital.com

Serial no.

Office  Name

CGRO name

CGRO Designation

CGRO E-mail ID

1

India bulls - Elphinstone

Shailendra Kothavale

Chief Risk & Compliance Officer

cgro.lifeinsurance@adityabirlacapital.com

Voice of Happy Customers

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General FAQs

There are different types of life insurance plans and you need to weigh your options before making the purchase.
  • Term Insurance Plan
    A term insurance plan is the simplest kind of life insurance available. This type of plan gives you a life cover for a specific term or period, hence the name 'term plan.' In return for the life cover, you need to pay a premium to the life insurance provider. The unique thing about term plans is that they offer a significantly high life cover for much lower premiums, when compared with other kinds of life insurance plans.
  • Savings Plans
    Savings plans, also known as endowment plans offer policyholders a life cover for a specified period. They also possess a savings component. Just like with term plans, the policyholder pays the insurer a premium in return for the benefit of a life cover.Savings plans, also known as endowment plans, are just what they sound like. They offer policyholders a life cover for a specified period. And in addition to this, they also possess a savings component. Just like with term plans, the policyholder pays the insurer a premium in return for the benefit of a life cover.
  • Whole Life Insurance
    Whole life insurance, as the name implies, is a type of life insurance plan that offers coverage for the whole life of the policyholder. In other words, the life cover offered by a whole life insurance plan is generally valid till the policyholder attains 100 years of age.
  • Retirement Plan
    A retirement plan is a kind of life insurance policy that helps you take care of your retirement needs. They are also known as pension plans or annuity plans. The retirement benefits offered by the plans can be paid out as a lump sum amount, as periodic payouts, or as a combination of the two.
  • Unit Linked Insurance Plan (ULIP)
    A Unit Linked Insurance Plans (ULIPs) is a type of life insurance plan that gives policyholders the benefit of insurance as well as market-linked investments. ULIPs invest in a variety of funds like debt funds, equity funds, or even a mix of both. ULIPs have a lock-in period of 5 years, so you can stay invested over the long term and allow your investment to grow.
  • Group Life Insurance Plans
    Group insurance plans offer the benefit of a life cover to a group of people under one master life insurance plan. One of the most common types of life insurance plans for a group of people is the employer-sponsored insurance that some workplaces offer.
The basic principle of life insurance is that it gives you a life cover. A life cover is like a financial security blanket. Uncertain and unexpected incidents could leave dependent members of a family without anybody to rely on, if the primary or the only earning member passes away. In such situations, without any other source of income, it will be impossible for the surviving members of the family to meet their life goals or even the costs of their everyday expenses.

With a life cover from an insurance plan, this problem is easily solved. Why, you ask? Well, that is because in case a policyholder passes away during the tenure of a life insurance plan, the insurer pays out death benefits to the nominees mentioned by the policyholder.
Life insurance is the only financial tool that anyone can use to build a huge corpus of money that will be paid to the family in the case of an unfortunate death during the policy period, at the expense of an affordable premium amount. Let us have a reality check which can get a little awkward! The truth is, you are not going to live forever! If you depart this world untimely, your loved ones could be left with a lot of expenses and no way to pay them. You can avoid this with a life insurance policy.

Many people do not get life insurance because they believe this to be very expensive, which is not true. For example, a 30 years healthy non-smoker male can get a ₹1 Crore life insurance coverage for ₹8373 a month.

Apart from securing your family financially, there are some other benefits of life insurance products like:
  • An additional source of income to meet financial goals
  • Tax exemption2 under Section 80C2 and 10(10D)2.
  • Financial security and regular income for post-retirement life
  • Financial support for children’s higher education or marriage
  • Options to invest grow your money with unit-linked plans
  • Options to protect yourself against critical illnesses like cancer
  • Peace of mind
There are many advantages of taking life insurance. The most important benefit of life insurance is that it protects your loved ones against the perils of a lack of income in the future. Just as you are currently invested in providing for your family, the life insurance plan provides a stable fund that your loved ones can use in your absence. Many life insurance plans offer a maturity benefit as well as a death benefit. Plans with a maturity benefit can be useful to you even when you are around. They help you plan your financial future in a more systematic manner. Meanwhile, the death benefit of life insurance helps the family tide over the sudden loss of your income and helps keep the family savings intact for bigger purposes like paying for children's education or emergency hospitalisation.
You should buy life insurance if you have anyone who depends on you for financial support. The family’s expense does not stop when the breadwinner departs the world, right! In such unfortunate scenarios, the family members stress a lot for clearing the loan, child’s education/ marriage, etc.- Life insurance is the solution to that.

If you do not have elderly parents, kids or you are not married and will never get married; simply, if there is nobody that depends on you financially, then life insurance may not be essential for you. Considering retirement plans, saving plans and other wealth creation life insurance products is suggested.
The primary goal of any life insurance is to secure your family’s finances if you pass away. It is a way to ensure that your family can carry out their day to day expenses, pay bills, pay rent or EMIs and pay child’s school fees even in your absence. But a life insurance policy can have secondary benefits as well, like tax savings and as an investment.

Below is the list of people who need to buy life insurance:
  • New families
  • Existing families
  • People with home loans
  • Parents
  • Senior Citizens & retired persons
  • Business Owners
  • Working Persons for tax saving
Life insurance premium refers to the specific amount of payment that the policyholder needs to pay to the insurance company monthly/ quarterly/ half-yearly/ annually (as defined in the policy) in order to keep the coverage in place. Periodic premium payment till the end of the policy term keeps the life insurance in force. Your life risk primarily decides if your premium will be higher or lower. The amount of the life insurance premium depends on some factors like:
  • Age: With increasing age, the life insurance premium rises. Because younger individuals generally have low mortality rates and are less likely to die unexpectedly. But with increasing age, the life risk rises with chances of attracting common diseases like blood pressure, diabetes, etc., resulting in a higher premium. So if you are buying life insurance early, then you can access a lower premium.
  • Gender: Generally, life insurance premiums for men are higher as compared to women. Because historically, males have shorter life spans than females. For example, if a healthy, non-smoking 30-year-old female buys an ABSLI DigiShield Plan with a life cover of ₹1 Cr for 25 years of term period, the monthly premium will be ₹7293. But if a male same age and habits chooses the exact same plan then he will have to pay a monthly premium of ₹8373.
  • Smoking Status: If you have a habit of smoking, then you are putting your life at risk. Mortality increases when people smoke. Hence the life insurance premium is higher for smokers than non-smokers.
  • Sum assured: Sum assured is the amount that the insurance company has to pay out to the nominee if the life insured passes away during the policy period. You will get to choose this amount while purchasing the policy. Choosing a higher sum assured will result in higher premium rates.
  • Premium payment frequencyYou will get to choose the frequency in which you can make the premium payment while purchasing the policy. Options are: Yearly/ Semi-yearly/ Quarterly/ Monthly. If you choose a yearly payment mode then you can enjoy the cheapest rate. On the other hand, for the monthly payment mode, premium will be on a higher side.
  • Policy period:Mortality rate increases with increasing age. The risk of death is higher when the insurance company covers an older policyholder. So the premium rate increases with increasing policy period. Simply put, coverage for 30 years will be costlier than coverage for 20 years.
If you are planning to buy a life insurance policy, make sure to keep these things in mind:
  • Check whether the sum assured or the product you are buying matches your requirements. For example, if you want a low premium product, then the term plan is an apt cover. But if you are looking for long term investment and returns, ULIPs can be the best option.
  • Ask for the expert’s advice if you are new to financial planning.
  • Check insurer’s claim settlement ratio. Aditya Birla Sun Life Insurance has a claim settlement ratio of 98.08%1.
  • Do not skip any information in the proposal form. Fill it carefully and try not to hide any information because it impacts the coverage.
  • Always keep a copy of the completed document, like a proposal form, with you for your future reference.
  • Understand the procedure of claim to simplify the processing at the time of need.
Choosing the right type and coverage amount (sum assured) of the life insurance is possible by determining how much money your dependents will need in your absence. As a general rule of thumb, financial experts suggest everyone to choose a sum assured 8-10 times of the current annual income.

For example, if your yearly income is Rs. 12 lakhs, then you must buy life insurance with a sum assured of at least Rs. 1 crore. Considering everyone’s situation is unique, the following are the factors that can help determine the minimum amount of life insurance required.
  • Current debt: The outstanding loans and liabilities in your name become a burden to the family in your absence. So you should pick a sum assured that is enough to pay off the debt along with interest in full.
  • Expenses of dependents: If you are the sole income provider of your family, then you need to choose an assured sum large enough to cover the minimum monthly expenses of the family. Please consider the inflation and ageing of the dependents in the family while deciding on this.
  • Premium paying capacity: Life insurance policy pays out only when the policyholder pays all the premium in time. Otherwise, the policy will lapse, and the investment will go in vain. Against the chosen sum assured, you have to pay the premiums in the chosen interval; please make sure that falls under your premium paying capacity.
  • Financial goals: At different stages of life, everyone has different financial requirements. You need to consider your financial goals like children’s education/ marriage, buying a house, medical expenses, retirement, etc., while deciding on the sum assured of the life insurance policy.

You can always use our human life value calculator where you can put your details and check how much life cover you need.
Yes, you have different options to pay the premium. You can pay the premium monthly, quarterly, semi-yearly or yearly. There is also an option to pay the bills in one lump sum. Different insurance products have different premiums depending on the development and coverage.
Payment of premium on time is the basic condition which you as a policyholder have to fulfil. Only if you pay the premium, the policy cover remains in effect. In a life insurance policy, if you do not pay the premium on time, the insurance company will give you a grace period to pay the premium, which has already fallen due. If the premium is not paid in the grace period, the policy will tend to lapse. That means you will not be qualified to get any benefit from the policy purchased.

If later you can afford the premium and feel the need to continue the policy after it lapses, there is still an option to revive the policy. For that, you will have to pay all the pending premiums and charges and depending upon the type of policy you own.
If you are the nominee, beneficiary, or the legal heir of the policyholder, you should first intimate the insurance service provider of the policyholder’s demise. Along with this, you will need to provide some other information such as the cause, place, and date of death.

After the intimation is given, you should file the following documents with the insurer to lodge a death benefit claim.
  • A duly-filled claim form
  • A copy of the death certificate
  • The original policy document
  • Proof of relationship with the deceased
  • An executed form of discharge
Once all of these documents are filed, the insurer will process the claim, and if found to be sufficient and proper, they will disburse the death benefit.
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