Life Cover with Return of Premium Plan

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Aditya Birla Sun Life Insurance Company Limited

Why Buy ABSLI Pratham Suraksha Plan?

Life insurance is essential for protecting your family against life's uncertainties. ABSLI Pratham Suraksha Plan offers the dual benefit of financial protection through life cover and return of all premiums paid on survival till maturity, helping you secure your loved ones without compromising your future financial goals.

Key Features

Term life cover with Return of Premium benefit.

Female discount of 10% on premiums

Flexible Premium Payment Terms

Enhanced coverage through optional riders

Maturity benefit equal to total premiums paid (excluding taxes and rider premiums)

Policy Term options from 15 to 30 years

Affordable protection solution

Leaflet Prospectus Policy Contract CIS

Benefits of ABSLI Pratham Suraksha Plan

ABSLI Pratham Suraksha Plan helps you secure your family's financial future with life insurance protection while ensuring that all premiums paid are returned on survival till maturity, helping you achieve protection and savings through a single plan.

Death Benefit

In the event of death of the life insured during the term of the policy, provided the policy is in-force, the Death Benefit will be Sum Assured on Death payable in lump sum.

Maturity Benefit

In the event the Life Insured survives until the end of the Policy Term, the Maturity Benefit payable under the Policy shall be the Sum Assured on Maturity.

How Does ABSLI Pratham Suraksha Plan Work?

Use Case 1

Use Case 2

Mr. Nair, aged 35 years, purchases ABSLI Pratham Suraksha Plan with a Sum Assured of ₹25,00,000.

He chooses a Regular Pay option with a Policy Term of 30 years and pays an annual premium of ₹21,275.

If Mr. Nair unfortunately passes away during the 3rd policy year, his nominee will receive a lump sum Death Benefit of ₹25,00,000, as per the policy terms and conditions.

Check Your Eligibility

Product Specifications

Particulars	Details
Coverage	Male, Female & Transgender
Minimum Entry Age	18 Years
Maximum Entry Age	50 Years
Minimum Maturity Age	33 Years
Maximum Maturity Age	70 Years
Sum Assured	₹10,00,000 to ₹25,00,000
Premium Frequency	Annual, Semi-Annual, Quarterly, Monthly

Premium Payment Term (PPT) and Policy Term

Option	Premium Paying Term	Minimum Policy Term	Maximum Policy Term
Limited Pay	7 Years	15 Years	30 Years
Limited Pay	10 Years	15 Years	30 Years
Limited Pay	12 Years	17 Years	30 Years
Regular Pay	Entire Policy Term	15 Years	30 Years

Modal Factors

Mode	Modal Factor
Annual	0%
Semi-Annual	2%
Quarterly	4%
Monthly	6%

All ages are as on last birthday.

Suicide Exclusion

In the event of death of Life Insured due to suicide within 12 months from the Date of commencement of risk under the Policy or from the date of Revival of the Policy, as applicable, the Policy shall terminate immediately and the Company shall pay the following to the Nominee or beneficiary of the Policyholder, provided the Policy is in-force and all due Installment Premiums under the Policy have been paid:

Where the Policy has acquired the Surrender Value, higher of Surrender Value or Total Premiums Paid plus loadings for modal premiums paid excluding applicable taxes till date of death.
Where the Policy hasn’t acquired the Surrender Value, Total Premiums Paid plus loadings for modal premiums paid excluding applicable taxes) till date of death.

How To Initiate Claim?

3 quick steps, everything online.

Fill basic details

Claim intimation

Document submission

More About Claims

This Policy is underwritten by Aditya Birla Sun Life Insurance Company Limited (ABSLI). This product is a non-linked non-participating individual savings life insurance plan. All terms & conditions are guaranteed throughout the Policy Term. GST 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 smokers etc. This brochure contains only the salient features of the plan. For further details please refer to the Policy contract. Tax benefits are subject to changes in the tax laws. For more details and clarification call your ABSLI Insurance Advisor or visit our website and see how we can help in making your dreams come true. Life Insurance coverage is available under this product.
UIN: 109N156V01

ADV/7/26-27/482