What is the main benefit of this plan?

The main benefit of the ABSLI Monthly Income Plan is the income benefit. After completion of the Deferment Period, you shall start receiving monthly income benefit in advance as a percentage of the sum assured over the Income Benefit Period as per the option chosen at inception. Also, there is an inbuilt Accidental Death Benefit offered in this plan. In the event of death of the Life Insured due to an accident, additional benefit equal to the Sum Assured chosen will be paid immediately in lump sum to the nominee as an Accidental Death Benefit.

How much income is assured and on what basis?

You may choose one of the following Income Benefit Option at the inception of this monthly income policy: Level Income Benefit - Under this option, the income benefit paid will be 1% of the Sum Assured per month and will remain fixed throughout the Income Benefit Period (IBP). Increasing Income Benefit - Under this option, the income benefit paid will start at 1% of the Sum Assured per month and then such amount of income benefit will increase at 5% per annum simple, every 12 months during the Income Benefit Period (IBP).

Is the receivable income taxable?

As per extant tax laws, tax benefits may be eligible under Section 80C, 80(D) and Section 10(10D) of the Income Tax Act, 1961, subject to fulfillment of the other conditions of the respective sections prescribed therein. Tax laws are subject to amendments from time to time. As per the current provision of Section 194DA of the Act; the policy proceeds are subject to TDS if conditions prescribed under Section 10(10D) are not met. You are advised to consult your tax advisor for applicability of tax benefits on premiums paid and benefits received.

Can I increase my monthly receivable income afterwards?

No, Income Benefit Option- Level or Increasing Income Benefit needs to be chosen at inception.

Can I make a lump sum premium payment for this plan?

The premium paying term is 10/12 years. You can choose between annual, semi-annual, quarterly & monthly modes for making premium payment.

What is Annualized Premium?

Annualized Premium shall be the premium amount payable in a year chosen by the policyholder, excluding the taxes, rider premiums, underwriting extra premiums and loadings for modal premiums, if any.

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Aditya Birla Sun Life Insurance Company Limited

ABSLI DigiShield Plan

Think Term Plan. Smart Financial Security For Loved Ones.

Covid-19 covered

10 Plan Options

Buy ₹1 Crore Term Insurance at Just ₹542/month¹

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Why choose Aditya Birla Sun Life Insurance?

We are among leading life insurers with a legacy to deliver promise and great customer experience. We are a joint venture between Aditya Birla Group and Sun Life Insurance. Our wide range of affordable life insurance products for groups and individuals ensures life and financial protection, retirement, savings and investment, traditional term plan, health and more.

363 offices assist in buying life insurance
Simple online purchase process
79k+ direct selling agents to guide
3-steps online claim process

Plan Options

10 plan options of ABSLI DigiShield Plan. A wide range of options to suit different needs.

Option1

Level Cover Option

This option pays the nominee the sum assured in lump-sum in case of the unfortunate death of the life insured during the policy term, provided all the premiums are paid. You will have to choose the nominee, sum assured, policy term, premium payment term and mode of payment during the inception of the policy.

Option 2

Increasing Cover Option

Under this term insurance option, the sum assured increases every year during the policy term by a simple escalation rate of 5% or 10% per annum. At the inception, you have to choose the sum assured escalation rate. In case of death of the life insured during the policy term, the nominee gets the sum assured as applicable on that date in a lump sum.

Option 3

Sum Assured Reduction Option

Under this term insurance option, the sum assured can be reduced by 25% or 50% from your retirement age till the end of the policy term. At the inception, you have to choose the reduction factor and your retirement age (60, 65, 70, or 75 years). In case of death of the policyholder during policy term, the nominee gets sum assured as applicable in lump sum.

Option 4

Whole Life Option (Level Cover)

Under this term insurance option, you get covered till 100 years of age- this stretched cover period is why it’s called a whole life cover. In case of an unfortunate death of the life insured during the policy term, the nominee will receive the sum assured in lump sum.

Option 5

Whole Life Option (Sum Assured Reduction Cover)

Under this term insurance option, you get life cover till 100 years of age plus the option to reduce the sum assured by 25% or 50% when retiring at age of 60/ 65/ 70/ 75 years till policy termination. The nominee gets the sum assured applicable in lump sum, in case of death of the life insured in the policy term.

Option 6

Income Benefit

In case of the death of the policyholder in the policy term, this option pays the nominee a monthly income of 1.5% of sum assured throughout the chosen income benefit period(10/15/20 years). At the inception of the policy, you can also choose to increase the monthly income by simple 5% p.a over the income benefit period.

Option 7

Level Cover Plus Income Benefit

Instant financial relief to family matters after the sudden demise of the policyholder. Under this term insurance option, the nominee immediately gets 100% of the sum assured as a lump sum on the date of death of the life insured plus 0.5% of the sum assured as monthly income for a period of 10 years.

Option 8

Low Cover Option

Under this term insurance option, the nominee(s)/ legal heir(s)/ assignee will receive the sum assured as a lump sum in case of the unfortunate demise of the policyholder in the policy term.

Option 9

Level Cover with Survival Benefit

Under this term insurance option, you get survival benefit as a monthly income of 0.12% of the sum assured from when you turn 60 till the date of death or end of the policy term, whichever is earlier. In case of death during policy term, the nominee gets a sum assured less survival benefit already paid till death.

Option 10

Return of Premium (ROP)

Under this term insurance option, in case of survival of the policyholder beyond the policy term, 100% of total premiums paid(maturity benefits) will be paid back. In case of the death of the policyholder during the policy term, the nominee will receive the sum assured in a lump sum.

Check Eligibility

before buying ABSLI DigiShield Plan

View Eligibility Criteria KNOW MORE

Term Plan without Riders is Like having tea without snacks.

Riders offer additional benefits that are not included in the base policy at a nominal additional premium. There are exclusions attached to the riders. Please refer rider brochure for more details

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

Get benefit amount as a lump sum upon diagnosis of any of the 4 specified critical illnesses.

Download Brochure

ABSLI Surgical Care Rider

UIN: 109B015V03

Get a lump sum benefit amount to cover surgical expenses.

Download Brochure

ABSLI Hospital Care Rider

UIN: 109B016V03

Get daily cash benefit, additional ICU benefit and lump sum recuperating benefit upon hospitalization.

Download Brochure

ABSLI Accidental Death Benefit Rider Plus

UIN: 109B023V02

Get additional protection for accident leading to death at a nominal cost.

Download Brochure

ABSLI Waiver of Premium Rider

UIN: 109B017V03

All future premiums waived in case of permanent disability due to illness or accident, any of the specified critical illnesses or death.

Download Brochure

How does the ABSLI DigiShield Plan work?

Learn with an example. Lead by an example.

Priya, a healthy female aged 35 years works with a Multinational Company. She wanted to buy a term plan that pays her son when she is not there to take care of his expenses.
Priya chose ABSLI DigiShield Plan Level Cover Option for a Sum Assured of Rs.1 crore. The policy Priya chose had a premium paying term of 50 years and a Policy term of 50 years.
At the inception of the policy, the policyholder has the freedom to choose the sum assured, policy term, premium payment term, and mode of premium payment. The maximum maturity age allowed is 85 years.
Priya passed away at the 25th policy year that is when she was 60 years.
After Priya died, a lump sum equal to Rs.1 crore was paid to her son.

Rhea, aged 35 years opted for ABSLI Digi Shield Plan-Increasing Cover Option.
The Sum Assured opted by Rhea was of Rs.1 crore with a sum assured escalation rate of 10% per annum.
The policy term chosen by Rhea is 50 years and the premium paying term is also 50 years.
When Rhea turned 42 years, that is, when the term plan she chose was in the 7th policy year, Rhea died due to a sudden heart attack.
A total lump sum of Rs.1.60 crore was paid to Rhea’s nominee and the policy terminated.

Shreya Sharma, aged 45 years, wanted a term plan for her family. She opted for ABSLI Digi Shield Plan-Whole Life Option with Sum Assured Reduction Cover.
The sum assured under the plan was Rs.1 crore and a sum assured reduction factor of 50% was selected at the retirement age of 70 years.
Shreya chose to pay the premium annually for the period of 5 years. The policy term in this case will be 100 years minus Shreya’s entry age that makes it to 55 years.
Shreya passed away when she was 75, that is, during the 30th policy year.
In this case, we will pay a lump sum amount of Rs.50 lakhs to the nominee and then the policy will terminate.

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What's not Covered?

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How to initiate Claim?

3 quick steps, everything online.

Fill basic details
Claim intimation
Document submission

More About Claims

Voice of Happy Customers

ABSLI provides various payment option to pay renewal premium, anytime and anywhere.! Best wishes to ABSLI

Mr. Singh
West Bengal

Entire surrender process was quite smooth with timely documentation and payout. Great experience!

Mr. Ganvit
Gujarat

Easy and simplified surrender process with a supportive branch and speedy payout experience!

Mr. Joshi
Maharashtra

Due to seamless branch support and timely communication from ABSLI, my maturity payout process was quite smooth.

Mr. Bansal
Haryana

Renewal payment through ECS has been quite smooth with timely reminders for the same. Great experience!

Mrs. Maheshwari
Madhya Pradesh

ABSLI DigiShield Plan FAQs

We are constantly trying to simplify the ABSLI DigiShield Plan!

What are the significant features of the ABSLI DigiShield Plan?

ABSLI Digi Shield plan is the term plan-best financial support for the family especially when the policyholder dies.

10 Plan Options to suit varied protection need.
Flexibility to choose term cover as per the need. Coverage up to 100 years is available.
Ensure financial stability for the dependents in the absence of life insured with multiple payout options - lump-sum, monthly income or a combination of both.
Unique benefit – Receive Survival Income in a Term Plan – Guaranteed Monthly payouts post attaining Age 60 years for a stress-free retired life.
Get all your premium back with Return of Premium (ROP) option in case you outlive the policy term.
Acceleration of base sum assured in the event of diagnosis of any Terminal Illness.
Acceleration of Critical Illness sum assured through Accelerated Critical Illness Benefit option (ACI) where a lumpsum payout will be made to the life insured on diagnosis of any one of the covered 42 critical illness.
Include your loved one’s in the policy with Joint Life Protection option.
Additional protection through multiple Riders

What is the classification for lives to be assured under this plan?

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.

Can I change the plan option anytime during the term?

No, Plan Option once chosen at inception; cannot be changed anytime during the Policy Term.

What is Retirement Age?

Retirement Age is applicable under Plan Option 3 Sum Assured Reduction Option and Plan Option 5 Whole Life Option (Sum Assured Reduction Cover). Policyholder has the option to select 60 years, 65 years, 70 years or 75 years as Retirement Age at inception, at which the Sum Assured reduces by the chosen Sum Assured Reduction Rate. The Retirement Age should be at least 10 years more than the age of the Life Insured at inception of the policy and less than the maturity age.

What is the Income Benefit Period?

Income Benefit Period is applicable under Plan Option 6 Income Benefit, during which the monthly installments are paid to the Nominee after the death of the Life Insured. Policyholder has the option to select 10 years, 15 years or 20 years as Income Benefit Period at inception.

What is the Terminal Illness Benefit?

This is inbuilt benefit available under all Plan Options. In case life insured is diagnosed with a Terminal Illness up to an age of 80 years, while the policy is in force, 50% of the applicable Sum Assured on Death, subject to a maximum of Rs. 2 crores will be paid immediately as a lump-sum and future due premiums shall be waived off. On subsequent death of the Life Insured during the Policy Term, the Sum Assured on Death shall be reduced by the amount of Terminal Illness Benefit already paid. Terminal Illness Benefit shall only be payable on the first diagnosis of any Terminal Illness of the Life Insured during the policy term.

What is Accelerated Critical Illness Benefit?

Accelerated Critical Illness (ACI) Benefit is an optional benefit, where Policyholder can avail protection against 42 listed critical illness during the ACI Cover Period, on payment of additional premium. On diagnosis of any of the specified critical illnesses, Accelerated Critical Illness (ACI) Sum Assured will be payable to Policyholder, provided the Policy is in-force and meets the required ACI terms and conditions. The ACI Benefit is accelerated and not an additional benefit i.e. Policy will continue with death cover till maturity after the ACI benefit is paid, provided the Policy is in-force and all premiums are paid in full.

Which Critical Illnesses are covered under ACI Benefit?

Sr. No	List of Critical Illnesses
1	Cancer of Specified Severity
2	Myocardial Infarction (First Heart Attack of Specific Severity)
3	Open Chest CABG
4	Open Heart Replacement or Repair of Heart Valves
5	Coma of Specified Severity
6	Kidney Failure Requiring Regular Dialysis
7	Stroke Resulting in Permanent Symptoms
8	Major Organ /Bone Marrow Transplant
9	Permanent Paralysis of Limbs
10	Motor Neuron Disease with Permanent Symptoms
11	Multiple Sclerosis with Persisting Symptoms
12	Benign Brain Tumor
13	Blindness
14	Deafness
15	End Stage Lung Failure
16	End Stage Liver Failure
17	Loss of Speech
18	Loss of Limbs
19	Major Head Trauma
20	Primary (Idiopathic) Pulmonary Hypertension
21	Third Degree Burns
22	Alzheimer's Disease
23	Aplastic Anaemia
24	Medullary Cystic Disease
25	Parkinson's Disease
26	Systemic Lupus Erythematosus - with Lupus Nephritis
27	Apallic Syndrome
28	Major Surgery of the Aorta
29	Fulminant Viral Hepatitis - resulting in acute liver failure
30	Primary Cardiomyopathy
31	Muscular Dystrophy - resulting in permanent loss of physical abilities
32	Poliomyelitis - resulting in paralysis
33	Sporadic Creutzfeldt-Jakob Disease (sCJD)
34	Chronic Recurring Pancreatitis
35	Bacterial Meningitis - resulting in persistent symptoms
36	Chronic Adrenocortical Insufficiency (Addison's Disease)
37	Loss of Independent Existence
38	Encephalitis
39	Progressive supranuclear palsy
40	Severe Rheumatoid arthritis
41	Scleroderma
42	Systematic lupus Erythematosus with Renal Involvement

Please refer product brochure for definition of the listed critical illnesses.

What is Joint Life Protection?

Joint Life Protection is an optional benefit under which two lives can be covered on joint life basis as Primary Life Insured and Secondary Life Insured under the same policy. The sum assured applicable for the secondary life insured shall be equal to 50% of applicable sum assured for primary life insured. Currently spouse can be covered under Joint Life Option as Secondary Life Insured.

What is Enhanced Life Stage Protection?

Enhanced Life Stage Protection is an optional benefit which allows Policyholder to increase the Sum Assured on occurrence of events like marriage or birth of children or on availing home loan, without undergoing any fresh medical examination. Policyholder have to opt for this option at inception so it can be exercised by giving a written request to the Company within one year of the occurrence of specified events.

Can Nominees avail of the lump-sum death benefit in instalment or discounted value of future instalment in a lump sum?

No, since this plan offers choice of avail death benefit in lump sum or income or lump plus income thus Policyholder makes an informed choice while selecting the option to ensure the death benefit is paid to the nominee as required by them, hence there is no option for the Nominee to avail instalment of lump sum death benefit or discounted value of future instalment in lump sum.

What is the maturity benefit under the term plan?

For Plan Options 1, 2, 3, 4, 5, 6, 7, 8 and 9: There is no Maturity Benefit payable

For Plan Option 10: On survival of Life Insured till end of Policy Term, Maturity Benefit is payable as Total Premiums Paid less loadings for modal premiums, if any.

What is the survival benefit under the term plan?

For Plan Options 1, 2, 3, 4, 5, 6, 7, 8, and 10: There is no Survival Benefit payable

For Plan Option 9: In the event the Life Insured survives till the Policy anniversary falling after the Life Insured attains an age of 60 years, Survival Benefit of 0.12% of Sum Assured per month is paid commencing with the first Policy Month Anniversary after the event and continuing for each Policy Moth Anniversary till the end of the Policy Term or death of the Life Insured whichever is earlier.

What happens if I do not pay my premium on time?

If you are unable to pay your policy premium by the due date, you will be given 30-day grace period, to pay your due premiums, during which your coverage will continue. however, In case of occurrence of death or Terminal Illness or critical illness during the grace period, the Company shall be entitled to deduct the unpaid Premium from the Benefits payable under the Policy.

How can I revive my policy?

You can revive your Policy within a revival period of five years from the due date of first unpaid premium, subject to following conditions:

Paying all outstanding premiums together with interest and/or late fees as declared by us from time to time;
Providing evidence of Life Insured’s insurability satisfactory to us
Revival of the Policy shall take effect only after revival of the Policy is approved by Us basis the Board approved underwriting Policy and communicated to you in writing.
Once the Policy has been revived, on the effective date of revival, all benefits will be restored to their full value.

The monthly interest rate charged on unpaid premiums will be declared by ABSLI on June 1st of each calendar year and is determined as (x+1%)/12 rounded to the next 0.5%, where x is the base rate of the State Bank of India. The current applicable interest rate, as declared on June 1st, 2021, is 1% per month compounded annually.

Any change in basis of determination of interest rate for revival can be done only after prior approval of the Authority. If a lapsed Policy is not revived within five years, the Policy shall be terminated, and no value is payable to you.

When will the policy terminate?

The policy will be terminated at the earliest of:

The date of settlement of the Death Benefit or the date of settlement of death benefit on last surviving life in case of Joint Life Protection option; or
The date of payment of the surrender value, if any; or
If the Policy has not acquired a surrender value, the date on which the revival period ends
The date of maturity of the Policy; or
The date on which the sum assured on death has completely been paid out through ACI Benefit and/ or Terminal Illness claim.
The date on which we receive a free look cancellation request.

What is the free-look period under this plan?

Policyholder will have the right to return the Policy to us within 15 days (30 days in case of electronic Policy or the Policy issued under the provisions of IRDAI Guidelines on Distance Marketing of Insurance products) from the date of receipt of the Policy. We will refund the premium paid once we receive your written notice of cancellation (along with reasons thereof) together with the original Policy documents. We will deduct proportionate risk premium for the period of cover and expenses incurred by us on medical examination, if any and stamp duty charges while issuing your Policy in accordance to IRDAI (Protection of Policyholders Interest) Regulations, 2017.

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ABSLI Nishchit Aayush Plan. This is a non-linked non-participating individual savings life insurance plan. UIN No 109N137V06
^ - Provided 0 year deferment & monthly income frequency is chosen at the time of inception of the policy.
~ 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 ₹1,20,000 (Exclusive of GST.). Annual Income of ₹45,900 (45,900*40=18,36,000) + Maturity Benefit (₹16,80,000)= ₹35,16,000

How does Monthly Income Plan work?

Riders

ABSLI Waiver of Premium Rider (UIN: 109B017V03)

All future premiums waived in case of permanent disability due to illness or accident, any of the specified critical illnesses or death.
ABSLI Critical Illness Rider (UIN: 109B019V03)

Get benefit amount as a lumpsum upon diagnosis of any of the 4 specified critical illnesses.

Monthly Income Plan FAQs

What is the main benefit of this plan?

The main benefit of the ABSLI Monthly Income Plan is the income benefit.

After completion of the Deferment Period, you shall start receiving monthly income benefit in advance as a percentage of the sum assured over the Income Benefit Period as per the option chosen at inception.

Also, there is an inbuilt Accidental Death Benefit offered in this plan. In the event of death of the Life Insured due to an accident, additional benefit equal to the Sum Assured chosen will be paid immediately in lump sum to the nominee as an Accidental Death Benefit.
How much income is assured and on what basis?
You may choose one of the following Income Benefit Option at the inception of this monthly income policy:
- Level Income Benefit - Under this option, the income benefit paid will be 1% of the Sum Assured per month and will remain fixed throughout the Income Benefit Period (IBP).
- Increasing Income Benefit - Under this option, the income benefit paid will start at 1% of the Sum Assured per month and then such amount of income benefit will increase at 5% per annum simple, every 12 months during the Income Benefit Period (IBP).
Is the receivable income taxable?

As per extant tax laws, tax benefits may be eligible under Section 80C, 80(D) and Section 10(10D) of the Income Tax Act, 1961, subject to fulfillment of the other conditions of the respective sections prescribed therein. Tax laws are subject to amendments from time to time.

As per the current provision of Section 194DA of the Act; the policy proceeds are subject to TDS if conditions prescribed under Section 10(10D) are not met.

You are advised to consult your tax advisor for applicability of tax benefits on premiums paid and benefits received.
Can I increase my monthly receivable income afterwards?

No, Income Benefit Option- Level or Increasing Income Benefit needs to be chosen at inception.
Can I make a lump sum premium payment for this plan?

The premium paying term is 10/12 years. You can choose between annual, semi-annual, quarterly & monthly modes for making premium payment.
What is Annualized Premium?

*Annualized Premium shall be the premium amount payable in a year chosen by the policyholder, excluding the taxes, rider premiums, underwriting extra premiums and loadings for modal premiums, if any.

Disclaimer:

This policy is underwritten by Aditya Birla Sun Life Insurance Company Limited (ABSLI). This is a participating non-linked life insurance plan. All terms & conditions are guaranteed throughout the policy term, except for the bonuses which would be declared at the end of each financial year. Some benefits are guaranteed and some benefits are variable with bonuses based on the future performance of the participating business and economic conditions.. Goods and Service Tax (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 sub-standard lives, smokers or people having hazardous occupations etc. For more details on risk factors, terms and conditions, please read 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 Reg. Office: One World Center Tower 1, 16th Floor, Jupiter Mill Compound, 841 Senapati Bapat Marg, Elphinstone Road, Mumbai - 400013. IRDAI Reg No. 109 Call Centre: 1-800-270-7000 www.adityabirlasunlifeinsurance.com CIN: U99999MH2000PLC128110 UIN: 109N122V02

ADV/9/20-21/1153

Protection Solutions

Retirement Solutions

ABSLI DigiShield Plan

Why choose Aditya Birla Sun Life Insurance?

Plan Options

Check Eligibility

Term Plan without Riders is Like having tea without snacks.

How does the ABSLI DigiShield Plan work?

Learn with an example. Lead by an example.

Made up your mind

What's not Covered?

How to initiate Claim?

Voice of Happy Customers

ABSLI DigiShield Plan FAQs

Other Insurance Plans

How does Monthly Income Plan work?

Riders

ABSLI Waiver of Premium Rider (UIN: 109B017V03)

ABSLI Critical Illness Rider (UIN: 109B019V03)

Monthly Income Plan FAQs

What is the main benefit of this plan?

How much income is assured and on what basis?

Is the receivable income taxable?

Can I increase my monthly receivable income afterwards?

Can I make a lump sum premium payment for this plan?

What is Annualized Premium?