Aditya Birla Sun Life Insurance Company Limited

ABSLI Poorna Suraksha kawach

A Complete Protection Solution for your family's financial future.

Pure Term & Return of Premium Options

Inbuilt Terminal Illness Benefit

Get ₹1 crore term insurance with guaranteed^# return of premium at Maturity^*

What Is ABSLI Poorna Suraksha Kawach?

ABSLI Poorna Suraksha Kawach is a complete and comprehensive protection solution, specifically designed to fulfil your financial requirements and secure your family’s future in the face of uncertainties. In a world full of uncertainties, what remains constant is your desire to shield your loved ones from any contingencies. You strive to accommodate all the necessities of your family and look after their sense of well-being, happiness, and security. ABSLI Poorna Suraksha Kawach gives complete protection for your family`s financial future with multiple plan options to choose from.

Key Features

Multiple plan options

Inbuilt Terminal Illness Benefit

Accelerated Critical Illness Benefit against 42 listed Critical Illnesses.

Option to avail a ‘One time exit value’ for emergencies

Brochure Leaflet Policy Contract CIS

Benefits Of ABSLI Poorna Suraksha Kawach

An simple term plan that provides security to you and your loved ones against all unforeseen eventualities.

Death Benefit

In case of unfortunate demise of the Life Insured during the Policy Term, the Death Benefit will be Sum Assured on Death payable in lump sum.

Survival Benefit

For Plan Option 1, 2, 4, 5, 6: No Survival Benefit will be payable.

Plan Options

Level Cover Option

Option 1

Get a simplified protection cover to shield your family against unfortunate death of the Life Insured.

Return of Premium (ROP) Option

Option 2

Get all your premiums back at the end of the Policy Term along with a protection cover during the Policy Term.

Term Plan With Riders offer Added Protection

You can enhance your insurance coverage during the Policy Term by adding following riders for a nominal extra cost. For more details on riders, please refer to the product and rider brochure on the website.

ABSLI Accidental Death and Disability Rider

(UIN: 109B018V03)

Get additional protection for accidents leading to death or disability at a nominal cost.

Download Brochure

ABSLI Critical Illness Rider

UIN: 109B019V03

Provides lump sum on survival of 30 days from the date of diagnosis of any of the specified critical illnesses.

Download Brochure

How Does ABSLI Poorna Suraksha Kawach Works?

Use Case 1

Mr. Gupta, a non-smoker, aged 35 years, buys ABSLI Poorna Suraksha Kawach and opts level cover option for sum assured of 1 Cr

He chose policy term of 50 years with 10 years of premium payment term

He dies during the 25`th policy year.

In this scenario, Mr. Gupta`s nominee/family will receive a lumpsum assured on death of Rs. 1,00,00,000.

Plan Options	Premium Paying Term	Minimum Policy Term	Maximum Policy Term	Min & Max Entry Age	Maximum Maturity Age	Sum Assured
Plan Option # 1 and 5	Single Pay	5 years	55 years	18 – 65 years	85 years	Min: Rs. 25 Lakhs Max: No Limit, subject to Board Approved Guidelines
	5 Pay	(PPT + 5) years		18 – 65 years
	7 Pay			18 – 65 years
	10 Pay			18 – 65 years
	12 Pay			18 – 65 years
	15 Pay			18 – 65 years
	20 Pay			18 – 60 years
	To age 60			18 – 54 years
	Regular Pay	10 years		18 – 65 years

Plan Option # 2	Single Pay	20 years	55 years	18 – 65 years	85 years	Min: Rs. 25 Lakhs Max: No Limit, subject to Board Approved Guidelines
	6 Pay
	8 Pay
	10 Pay
	Regular Pay	10 years

Plan Option # 3	Single Pay	20 years	55 years	18 – 65 years	85 years	Min: Rs. 25 Lakhs Max: No Limit, subject to Board Approved Guidelines
	6 Pay			18 - 64 years
	8 Pay			18 - 62 years
	10 Pay			18 - 60 years

Plan Option # 4	5 Pay	(PPT + 5) years	55 years	18 – 50 years	85 years	Min: Rs. 25 Lakhs Max: No Limit, subject to Board Approved Guidelines
	7 Pay			18 – 50 years
	10 Pay			18 – 50 years
	12 Pay			18 – 50 years
	15 Pay			18 – 50 years
	20 Pay			18 – 50 years
	To age 60	10 years		18 – 49 years
	Regular Pay	10 years		18 – 50 years
Plan Option # 6	Single Pay	11 years		18 – 65 years	85 years	Min: Rs. 25 Lakhs Max: No Limit, subject to Board Approved Guidelines
	5 Pay	11 years		18 – 65 years
	7 Pay	(PPT + 5) years	55 years	18 – 65 years
	10 Pay			18 – 65 years
	12 Pay			18 – 65 years
	15 Pay			18 – 65 years
	20 Pay			18 – 60 years
	To Age 60			18 – 54 years
	Regular Pay	11 years		18 – 65 years

Why Invest In ABSLI Poorna Suraksha Kawach?

Here are the top 4 reasons for you to consider this plan:

Choice of multiple Plan Options

Get comprehensive life insurance coverage to suit your varied needs

Return of Premium (RoP) or Early Return Of Premium Option (ERoP)

Secure your savings along with life insurance cover with Return and Early return of premium option

Flexible

Avail ‘One Time Exit Value’ and get back your premiums paid as a dependable support system in case of emergencies

Accelerated Critical Illness Benefit (ACI)

Covers 42 specified critical illnesses on payment of additional premium

What's Not Covered Under ABSLI Poorna Suraksha Kawach?

Suicide Exclusion

In case the Life Insured, dies due to suicide within 12 months from the Risk Commencement Date or date of revival of the Policy, the Policy shall immediately terminate, and Company shall pay the following to the Nominee:

Where the Policy has acquired the surrender value/ unexpired risk premium value, higher of Surrender value/ unexpired risk premium value or (Total Premiums Paid plus underwriting extra premiums paid plus loadings for modal premiums paid excluding applicable taxes) till date of death.
Where the Policy hasn’t acquired the Surrender value/ unexpired risk premium value, Total Premiums Paid plus underwriting extra premiums paid plus loadings for modal premiums paid excluding applicable taxes till date of death. Terminal Illness Benefit Exclusion

The Life Insured will not be entitled to any Terminal Illness benefit if it is caused directly or indirectly due to or occasioned, accelerated or aggravated by intentional self-inflicted injury or attempted suicide, whether medically sane or insane.

How To Initiate Claim?

3 quick steps, everything online.

Fill basic details

Claim intimation

Document submission

More About Claims

ABSLI Poorna Suraksha Kawach Plan FAQs

ABSLI Poorna Suraksha Kawach is a complete and comprehensive protection solution offering 6 unique plan options, specifically designed to fulfil your financial requirements and secure your family’s future in the face of uncertainties.

This plan is available on E application platform through sales channels.

The minimum Sum Assured is Rs. 50 lakhs (as per an internal management decision.)

Please note that the product can be sourced with a maximum Sum Assured of Rs. 20 Crores.

Depending upon the smoking status of the life insured, he/she will be classified as Non-Smoker or Smoker. The proposed life insured will be classified as Non-Smoker, if he/she has not consumed tobacco products in the last 12 months. This includes any nicotine products like cigarette, cigars, chewable tobacco or any other classified stimulants.

Other Insurance Plans

ABSLI DigiShield Plan

ABSLI DigiShield Plan term insurance provides financial security to your loved ones from uncertainties of life with its 10 plan options.

Covers policyholders till 100 years of age
Flexible death benefit payouts as a monthly, lump sum or both
10 plan options to choose from

KNOW MORE

This Policy is underwritten by Aditya Birla Sun Life Insurance Company Limited (ABSLI). This is a non-linked non-participating individual pure risk premium life insurance plan; upon Policyholder’s selection of Plan Option 2 (Return of Premium Option [ROP]) and Plan Option 3 (Early Return of Premium [EROP]) this product shall be 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 substandard lives, smokers or people having hazardous occupations etc. This brochure contains only the salient features of the plan. For further details please refer to the Policy contract. This product shall also be available for sales through online channel. 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. UIN: 109N138V03
Tax benefits are subject to changes in tax laws. Kindly consult your financial advisor for more details.
*LI Age 35, Male, Non Smoker, Option 2: Return of Premium (ROP), PPT: Regular Pay, SA: 1 Cr., PT: Up to Age 85 (50 years), Annual Premium: Rs. 31,700 p.a., Rs. . 2853 p.m. Premiums exclusive of GST. On death, 1 Cr SA is paid and the policy terminates. In case of survival until the end of the PT, Rs. 15,85,000 is returned as an ROP benefit.
^#Provided all due premiums are paid
UIN: 109N138V04
ADV/10/24-25/1940

I agree to the Terms of Usage and Privacy Policy and by submitting my contact details here, I override my NDNC registration and authorize ABSLI and its authorized representatives to contact me by phone/e-mail/SMS/WhatsApp for further assistance and information about this proposal and resulting insurance policy.
Disclaimer : ABSLI Nishchit Aayush Plan (UIN No 109N137V12) is a non-linked non-participating individual savings life insurance plan.
^ Provided 0 year deferment & Annually in Advance payout frequency is chosen at the time of inception of the policy. Annually in Advance payout frequency is only available in "Annual" premium payment mode. ^*Male- 25 yrs invests in ABSLI Nishchit Aayush Plan with Level Income + Lumpsum Benefit. He chooses premium payment term 10 yrs , policy term 40 years, benefit option -Long Term Income, Sum Assured 7 times of Annualized Premium and Deferment Period 0 years. Annualized Premium is ₹1,00,000 (Exclusive of GST.). Annual Income of ₹ 32,750 (32,750*40=  13,10,000) + Maturity Benefit (₹20,00,000)= ₹ 33,10,000 ADV/3/24-25/3076.