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ABSLI Wealth Secure Plan
A unit linked life insurance plan

In order to build a better life and realise your dreams, you always need to plan ahead. That is you need a savings plan that helps you attain your goals with your changing life stage and can be customised to match your needs while giving you peace of mind. Introducing Aditya Birla Sun Life Insurance Wealth Secure Plan that combines long term savings and whole life coverage specially designed for you to focus on your goals and maximise savings for your future.

Key Features

  • Pay premiums for a limited term and get life cover for whole life
  • Flexibility to choose from 3 investment options to suit your investment needs
  • Flexibility to add top-ups whenever you have additional savings
  • Flexibility of partial withdrawals to meet any emergency fund requirements
  • Tax benefits(1) under section 80C and section 10(10D) of the Income Tax Act, 1961

(3)Tax benefits are subject to changes in the tax law, please consult your tax advisor for more details.


LifeCycle Option

This option allows us to manage and administer your investment portfolio on your behalf and according to your risk profile

Systematic Transfer Option

With this investment option you can systematically participate and eliminate the need to time your investments into the market

Self-Managed Option

Self-Managed Option gives you access to our well-established suite of 16 investment funds, complete control in how to invest your premiums and full freedom to switch from one investment fund to another

You are rewarded for policy continuance by additional units being added to your policy.

In the unfortunate event the life insured dies while the policy is in effect, the nominee will be paid the greater of Basic Fund Value as on date of intimation of death or Basic Sum Assured plus higher of the Top-Up Fund Value as on date of intimation of death or the Top-Up Sum assured applicable to your policy.

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. The charges under this plan are Premium Allocation Charge, Fund Management Charge, Policy Administration Charge and Mortality Charge.

For more details on these charges, please refer to the product brochure.

Policy Term Whole Life
Entry Age 30 days* to 65 years
Premium Paying Term (PPT) For entry ages 30 days to 44 years : 5 to 30 years
For entry ages 45 to 60 years: 8 to 30 years
For entry ages 61 to 65 years: 10 to 14 years
Maximum PPT
Attained age at the end of premium paying term must be 75 years or less
Basic Premium
Minimum Rs. 30,000 p.a. if paid annually or semi-annually
Minimum Rs. 60,000 p.a. if paid monthly or quarterly
Top-up Premium
Minimum Rs. 5,000

*Risk commences from the first policy anniversary

Rahul is 35 years old and pays annual premium of Rs. 1,00,000 (exc.GST) with premium paying term of 15 years and policy term of 65 years.

In case of Rahul’s unfortunate death in the 26th 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. An extra premium may be charged as per our then existing underwriting guidelines for substandard lives, smokers or people having hazardous occupations etc. The assumed rates of return 4% and 8% 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). Unit linked Life Insurance products are different from the traditional insurance products and are subject to risk factors. This is a non-participating unit linked life insurance plan savings for your second innings. Aditya Birla Sun Life Insurance and ABSLI Wealth Secure Plan 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 way indicate their quality, future prospectsor returns. In this plan, the investment risk in the investment funds chosen by you is borne by you. Investment funds are subject to investment risks and unit prices may go up or down reflecting the market value of the underlying assets. Past performance is no guarantee of future results. The charges are guaranteed throughout the term of the policy unless specifically mentioned and subject to IRDAI approval. The value of the investment 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. 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 investment fund and factors influencing the capital market and the policyholder is responsible for his/her decisions. There is no guarantee or assurance of returns above the guaranteed returns from the investment funds. 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. For more details on risk factors, terms and conditions please refer to the sales brochure carefully before concluding the sale. 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. 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/11/19-20/1235 VER1/NOV/2019

UIN: 109L074V05