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Aditya Birla Sun Life Insurance Company Limited
Aditya Birla Sun Life Insurance Company Limited
ABSLI Wealth Infinia
IN THIS ULIP POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER
Choice of 5 investment strategies and 16 funds
Life Cover
Give ₹5 lakhs/year for 10 years /
Get ₹ 72 lakhs at maturity1.
Why Buy ABSLI Wealth Infinia?
Flexibility to choose between two plan variants -Milestone Variant (coverage till Age 85) and Legacy Variant (coverage till Age 100) to help you grow your wealth and stay protected as per your life’s needs.
Wealth Boosters and Loyalty Additions are added periodically during the Policy Term to enhance your Fund Value.
Return of Mortality and Premium Allocation Charges at the maturity to boost your Fund Value.
Systematic Withdrawal Facility to enable regular withdrawals from your Fund Value during the policy term to cater to your recurring monetary needs
Benefits Of ABSLI Wealth Infinia
Death Benefit
For both variants, in case of the life insured’s unfortunate demise during the policy term, the death benefit will be payable the nominee. Death benefit is higher of:
Maturity Benefits
On survival of life insured up to end of Policy Term, the fund value shall be paid out in lump sum or as a structured payout using Settlement Option
Riders
For added protection, you can enhance your risk coverage during the Policy Term by adding following riders at a nominal extra cost
ABSLI Comprehensive Critical Illness Rider
(UIN: 109A041V01)
In the unfortunate event that the life insured is diagnosed to be suffering from critical illnesses as mentioned in the Rider brochure, as per the variant, rider Sum Assured is paid in lumpsum as per the conditions mentioned in the rider brochure
How Does ABSLI Wealth Infinia Work?
Use Case 1
Use Case 2
Mr Sharma aged 35 years purchases ABSLI Wealth Infinia (Milestone Variant) with Annualized Premium: Rs 2,00,000, Premium Payment Term: 10 years, Policy Term: 20 Years, Investment Option: Self-managed, Fund Chosen: Maximizer
He chose Premium Payment Mode: Annual and Sum Assured: Rs 20,00,000.
He chose to receive Cash Bonus Pay-out annually and Policy Term of 30 years.
| Variants | Legacy Variant | Milestone Variant | ||||||||
| Coverage | All Individuals (Male | Female | Transgender) | |||||||||
| Minimum Entry Age (age as on last birthday) | 30 days* | |||||||||
| Minimum Maturity Age | 100 years | 18 years | ||||||||
| Maximum Entry Age (age as on last birthday) | 5 Pay: 45 years, 6 Pay: 55 years, 7 Pay: 60 years, Other Premium Paying Term options: 65 years | 65 years | ||||||||
| Maximum Maturity Age (age as on last birthday) | 100 years | 85 years | ||||||||
| Minimum Premium | Single Premium: Rs. 5,00,000 Limited Premium/ Regular Premium: Rs. 2,00,000 | |||||||||
| Maximum Premium | No Limit (subject to Board Approved Underwriting Policy) | |||||||||
| Minimum Sum Assured | Single Premium: Rs. 6,25,000 Limited Pay/ Regular Pay: Rs. 14,00,000 | |||||||||
| Maximum Sum Assured | No Limit (subject to Board Approved Underwriting Policy) | |||||||||
| Premium Paying Term (PPT) | Single Pay Limited Pay: 5 to 20 years | Single Pay Limited Pay: 5 to 12 years Regular Pay: 10 to 30 years | ||||||||
| Minimum Policy Term | 100 years minus entry age | 10 years | ||||||||
| Maximum Policy Term | 100 years minus entry age | 30 years | ||||||||
| Premium Payment Mode |
Annual | Semi-Annual | Quarterly | Monthly | Single
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| Premium Bands |
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Get Wealth Boosters And Loyalty Additions
Buy ABSLI Wealth Infinia Now.
How to Initiate Claim?
3 quick steps, everything online.
1
Fill basic details
2
Claim intimation
3
Document submission
FAQs
- Flexibility to choose between two plan variantsv – Milestone Variant (coverage till Age 85) and Legacy Variant (coverage till Age 100) to help you grow your wealth and stay protected as per your life’s needs.
- Wealth Boosters and Loyalty Additions added periodically during the Policy Term to enhance your Fund Value.
- Return of Mortality and Premium Allocation Charges at the maturity to boost your Fund Value.
- Systematic Withdrawal Facility to enable regular withdrawals from your Fund Value during the policy term to cater to your recurring monetary needs.
- Life Cover throughout the Policy Term ensuring that your family is financially secured even in your absence.
- Choice of 5 investment strategies and 16 funds to suit your varied investment needs.
- Flexibility to choose from a wide range of Policy Terms and Premium Paying Terms.
- Tax Benefits may be applicable on Premiums paid and Benefits received as per prevailing tax laws.
Yes, this plan covers death due to COVID-19.
For both the Variants, In case of Death of the Life Insured anytime during the Policy Term, while all due premiums under the policy have been paid, We will pay to the nominee/legal heir/Policyholder higher of: a) Fund Value as on date of intimation of death; or b) Sum Assured (reduced by partial withdrawals made during the two years immediately preceding the date of death of the Life Insured, if any); or c) 105% of the Total Annualized Premiums/Single Premium received by Us till the date of death of the Life Insured (reduced by all partial withdrawals, if any made during the two years’ period immediately preceding the death of the Life Insured, if any)
Your family member can be a nominee in this plan.
Yes, You are allowed to make unlimited partial withdrawals any time after (a) five complete policy years or (b) Life Insured attaining the age of 18 whichever is later. The minimum amount of partial withdrawal is Rs. 5,000. You are required to maintain a minimum Fund Value of one Annualized Premium chosen (25% of single premium). The total amount of partial withdrawal during a policy year shall not exceed 50% of the Fund Value at the time of partial withdrawal(s).
You can choose to allocate your Annualized Premium/Single Premium in either of the 5 investment options,
- Self-Managed Investment Option
- Smart Investment Option
- Systematic Transfer Investment Option
- Return Optimiser Investment Option
- Life Cycle Investment Option. You can change from one investment option to another investment option after the first policy year and only one Investment Option can be selected at a time.
In case Self-managed Investment Option is selected then, You can switch from one fund to another fund, provided the switched amount is at least Rs. 5,000. There is no limit on the number of switches that can be exercised in a policy year and all switches are free of charge.
1 Male – 35 years invests in ABSLI Wealth Infinia. Annual Premium: ₹5,00,000, Investment Option: Self Managed (MNC fund: 50%, pure equity fund: 50%), Policy Term 10 years, Regular Pay, Plan Option: Milestone Variant, Sum Assured Option: 10 times. He gets Rs. 72,31,100/- (@8% assumed rate of return) or Rs. 58,31,547/- (@4% assumed rate of return). The values given here are illustrative (@8% return) and not guaranteed. There are not upper or lower limits of get backs as the values of policy depends on number of factors. Premium calculated is exclusive of taxes.
This is a unit-linked non-participating individual life insurance savings plan. This policy is underwritten by Aditya Birla Sun Life Insurance Company Limited (ABSLI). Aditya Birla Sun Life Insurance and ABSLI Wealth Infinia 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 indicate their quality, future prospects or returns. IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER
Linked Life insurance products are different from the traditional life insurance products and are subject to the risk factors.
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. Please know the associated risks and the applicable charges, from your Insurance agent or the Intermediary or policy document.
The value of the 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. Please know the associated risks and the applicable charges, from your Insurance agent or the Intermediary or policy document. 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 fund and factors influencing the capital market and the policyholder is responsible for his/her decisions. GST and any other applicable taxes levied as per extant tax laws shall be deducted from the premium or from the allotted units as applicable. An extra premium may be charged as per our then existing underwriting guidelines for substandard lives, smokers or people having hazardous occupations etc. Tax benefits are subject to changes in tax laws. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding the sale. 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: 109L129V01 ADV/6/24-25/504