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ABSLI Wealth Aspire Plan
A unit linked life insurance plan

Aditya Birla Sun Life Insurance Wealth Aspire Plan ensures that you fulfil your responsibilities without any trouble by empowering you with a personalised wealth creation plan. It helps you accumulate substantial financial corpus using its wealth features and allows you to fulfil your duties by securing the future of your loved ones.

Key Features

  • Flexibility to choose from:
    Plan options | Policy terms | Premium paying terms | 4 investment options
  • Flexibility to add top-ups in case of additional savings
  • Flexibility of partial withdrawals to meet any emergency fund requirements

You are rewarded for policy continuance in the form of additional units

Kindly refer to sales brochures for detailed explanation.

In the unfortunate event the life insured dies while the policy is in effect, we will pay to the nominee/policyholder the greater of
  • Basic Fund Value as on date of intimation of death; or
  • Basic Sum Assured

In addition we will also pay the greater of
  • Top-up Fund Value as on date of intimation of death, if any; or
  • Top-up Sum Assured

The Sum Assured will be reduced by the partial withdrawals made. Please refer the brochure for details.

In the unfortunate event the life insured dies while the policy is in effect, we shall pay immediately to the nominee the Basic Sum Assured plus Top-up Sum Assured, if any.

The policy will not terminate once this death benefit is paid to the nominee and it continues till policy maturity date.

For definition on Sum Assured and complete details on death benefit, please refer product brochure.

You will receive the Basic Fund Value plus the Top-Up Fund Value as of that date at the end of the Policy Term.

In case of emergencies, you can surrender your policy to us anytime during the policy term.

For more details on the above mentioned benefits, please refer to the product brochure.

Smart Option-Under this option, your portfolio will be structured as per your maturity date and risk profile. Over time the allocation is managed such that it will automatically switch from riskier assets to safer assets progressively as your plan approaches maturity.

Systematic Transfer Option-This option safeguards your wealth against the market volatilities and is available only if you have opted for annual mode. Under STO, at inception you can choose to transfer the fund on monthly basis or weekly basis. You may choose up to 4 funds for your premium to be transferred to.

Return Optimiser Option-This option enables you to take advantage of the equity market, protect your gains from the future market volatility and create a more stable sequencing of investment returns.

Self-Managed Option-Under this option, you get access to our well-established suite of 16 segregated funds, complete control in how to invest your premiums and full freedom to switch from one segregated fund to another. For the above 4 investment options kindly refer to sales brochures for detailed explanation.

  Classic Option Assured Option
Entry Age Minimum - 30 days*
Maximum - For 5 Pay: 50 years
                  For 6 Pay and 7 Pay: 55 years
                  For 8 Pay and above: 65 years
Minimum - 18 years
Maximum - For 5 Pay to 8 Pay: 45 years
                  For 9 Pay and above: 50 years
Maturity Age For 5 to 7 Pay: 18 to 70 years
For 8 Pay and above: 18 to 75 years
28 to 60 years
Policy Term
Minimum – 10 years
Maximum – 40 years
Premium Paying Term (PPT)
5 to 40 years
Minimum Basic Premium
Rs. 40,000 for annual mode
Rs. 45,000 for semi-annual mode
Rs. 50,000 for quarterly and monthly mode
Rs. 500,000 p.a. if the age at entry is between 61 to 65 years, both inclusive.
Minimum Sum Assured
Rs. 4,00,000
Top-up Premium
Minimum Rs. 5,000

*Risk commences from the first policy anniversary

Manoj is 35 years old and pays annual premium of Rs. 1,00,000 with premium paying term of 15 years and policy term of 30 years and chooses Classic Option.

In case of Manoj’s death, nominee will get:

In case of Manoj's unfortunate death in the 25th year the death benefit based on the assumed investment returns are as per the table given below.

The above values are illustrative and for a healthy male. The assumed rates of return 4%(1) and 8%(2) are not guaranteed and they are not the upper or lower limits of what one might get back as the value of the policy is dependent on a number of factors including future investment performance

Know more about ulip plans and also calculate the premium with Wealth Calculator

Please click here to Download product brochure
Please click here to download policy contract
Please click here to download product presentation
Please click here to calculate premium

This policy is underwritten by Aditya Birla Sun Life Insurance Company Limited (ABSLI). This is a non-participating unit linked life insurance savings plan. Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factors. The premium paid in Unit Linked Life Insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors' influencing the capital market and the insured is responsible for his or her decision. Aditya Birla Sun Life Insurance Company Limited (ABSLI) is only the name of the Insurance Company and ABSLI Wealth Aspire Plan is only name of the unit linked life insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns. Please know the associated risks and the applicable charges, from your Insurance agent or the Intermediary or policy document. The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns. For more details on risk factors, terms and conditions please read sales brochure carefully before concluding the sale. Aditya Birla Sun Life Insurance Company Limited (Formerly Birla Sun Life Insurance Company Limited) Registered Office: One Indiabulls Centre Tower 1, 16th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai -400013. IRDAI reg no.109 CIN:U99999MH2000PLC128110 ADV/11/19-20/1206 VER1/NOV/2019