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. CIN: U99999MH2000PLC128110 Registration No. 109 ADV/6/14-15/8101.
In this policy, Investment risk in the investment portfolio is borne by the policy holder. The linked insurance products do not offer any liquidity during the first five years of the contract. The policy holder will not be able to surrender / withdraw the monies invested in linked insurance products completely or partially till the end of the fifth year.
ABSLI Wealth Assure Plan
| Entry Age | 8 to 65 years of age |
| Policy Term | 10, 15, 20, 25, 30 years |
| Minimum Basic Sum Assured (BSA) | Entry age below 45: The higher of 10 years or the Policy Term divided by 2. Entry age above 45: The higher of 10 years or the Policy Term divided by 4. |
| Guaranteed Additions | Additional units will be added to your policy: From the 6 th to 10 th policy anniversary. Guaranteed addition is 0.25% of the average fund value in the last 12 months. From 11 th to 15 th policy anniversary. Guaranteed addition is 0.55% of the average fund value in the last 12 months. 16 th policy anniversary onwards. Guaranteed Addition is 0.75% of the average fund value in the last 12 months. |
| Death Benefit | Basic Sum Assured plus The basic fund value as on the date of intimation of death. In addition, the nominee shall also receive • Top-up fund value as on date of intimation of death; plus • Top-up sum assured if any. |
| Surrender Benefit | Fund value is received after 5 years. |
| Maturity Benefit | Fund value will be received. |
| Maximum Maturity Age | 75 years of age. |
| Pay Term | 5 years. |
| Basic Premium | Minimum Rs. 100,000 if paid annually Minimum Rs. 180,000 p.a. if paid monthly. |
| Pay Mode | Monthly, annually. |
| Top up premium | Minimum Rs. 5,000. |
| Partial Withdrawals | You can make unlimited partial withdrawals, anytime after 5 years, provided the life insured is 18 years or more. |
ABSLI Wealth Assure Plan UIN No: 109L076V02
Aditya Birla Sun Life Insurance and ABSLI Wealth Assure Plan are only the names of the Company and Policy respectively and do not in any way indicate their quality, future prospects or returns. Registration no. 109 Corporate Identity Number: U99999MH2000PLC128110 ADV/9/16-17/9940.
Over the years, you have achieved success and accumulated wealth. Your priority now is to ensure your wealth and assets remain protected for your future generations, while you enjoy the lifestyle you have worked hard to attain. Specially designed to cater to your financial and estate planning goals, ABSLI Fortune Elite is unit linked plan that provides insurance coverage and the opportunity of wealth preservation and enhancement.
Key Benefits :
| Entry Age | 1 to 55 years (subject to max maturity age of 75 years). |
| Policy Term | 20, 25, 30, 35 and 40 years. |
| Minimum Basic Sum Assured (BSA) | Rs. 750,000 |
| Guaranteed Additions | In the form of additional units will be added to your policy: On the 10 th policy anniversary and on every 5 th policy anniversary thereafter, Guaranteed addition is 2.00% of the total premiums paid in last 60 months. In addition on 11 th policy anniversary and every policy anniversary thereafter, Guaranteed addition is 0.35% of the average fund value in the last 12 months. |
| Death Benefit | In the unfortunate event the life insured dies while the policy is in effect, ABSLI will pay to the nominee the greater of basic fund value as on date of intimation of death; or basic sum assured. In addition ABSLI will also pay the greater of • Top-up fund value as on date of intimation of death; or • Top-up sum assured |
| Maturity Benefit | Fund value will be received. |
| Surrender Benefit | If policy is surrendered after 5 policy years, fund value will be paid immediately. If policy is surrendered during first 5 policy years, fund value will be paid at end of 5th policy year. |
| Maximum Maturity Age | 75 years of age. |
| Pay Term | 5, 10, 15 and 20 years. |
| Basic Premium | Rs. 75,000 |
| Pay Mode | Monthly, annually. |
| Top up premium | Minimum Rs. 5,000. |
| Partial Withdrawals | You can make unlimited partial withdrawals, anytime after 5 years provided life insured is 18 years of age. |
ABSLI Fortune Elite Plan UIN No: 109L090V01
Aditya Birla Sun Life Insurance and ABSLI Fortune Elite Plan are only the names of the Company and Policy respectively and do not in any way indicate their quality, future prospects or returns. Registration No. 109 ADV/7/15-16/8148.
| Premium-Paying Term | Guaranteed Additions |
|---|---|
| 5 years | 7% |
| 7 years | 8.5% |
| 10 years | 10% |
| Entry Age (age on last birthday) | 8 to 60 years of age (subject to maximum attained age of 75 years at the end of the policy term) |
| Premium Paying Term | 5 years for 15 year policy term 7 years for 17 | 22 year policy term 10 years for 20 | 25 years policy term |
| Policy Term | 15, 17, 20, 22 and 25 years |
| Sum Assured Band | Band 1: Rs. 100,000 to 199,999 Band 2: Rs. 200,000 to 399,999 Band 3: Rs. 400,000 + |
| Death Benefit | Sum assured on death plus guaranteed additions accrued to date of death plus Increased accrued assured income if opted for sum assured on death is maximum of sum assured or 10 times the annual premium (premiums payable in a year) throughout the premium paying term or 105% of total premiums paid to date excluding Tax and Cess, any applicable rider premiums and underwriting extras, if any |
| Maturity Benefit | Sum assured plus Guaranteed additions accrued to date plus Increased accrued assured income if opted for |
| Surrender Benefit | The policy will acquire a surrender value after all due premiums for at least two full policy years are paid (three full policy years for 10 year premium paying term) |
| Loan Benefit | You can avail loan on your policy. The minimum loan amount is Rs. 5,000 and maximum is 85% of the surrender value. |
| Minimum Sum Assured | Rs. 100,000 |
| Premium Frequency | Annual, semi-annual, quarterly, monthly (all modes except annual allowed through ECS only) |
| Rider Options | ABSLI Waiver of Premium Rider |
ABSLI Income Assured Plan UIN No: 109N089V01
An extra premium may be charged as per our then existing underwriting guidelines for substandard lives, smokers or people having hazardous occupations etc. The insurance cover for the life insured will commence on the policy issue date. This brochure contains only the salient features of the plan. For further details please refer to the policy contract. 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 allow us in making your dreams come true.
Registration No. 109 ADV/6/14-15/8101.
In the unfortunate event of the death of the life insured during the premium paying term, we shall pay to the nominee: Sum assured; plus
Accrued bonuses as of date of death; plus
Terminal bonus (if any).
In the event the life insured dies after the premium paying term, we shall pay to the nominee: Sum assured; plus
Bonus from the current policy year; plus
Terminal bonus (if any).
In the event the life insured survives to the end of the premium paying term, we shall pay to you: Accrued bonuses till date
In the event the life insured survives to the end of each subsequent policy year, we shall pay to you : Income benefit of 5.0% of Sum assured; plus
Bonus from the current policy year
Premium Paying Term
Attained age end of premium paying term is 18 or more
Attained age end of premium paying term is 75 or less
ABSLI Vision Life Income Plan UIN No: 109NO79V02
This is a traditional participating endowment plan. All terms and conditions are guaranteed throughout the policy term, except for the bonuses which would be declared at the end of each financial year. For further details on risk factors, terms and conditions, please read the sales brochure carefully before concluding the sales. 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. CIN: U99999MH2000PLC128110 Registration no. 109 ADV/9/16-17/9958
In the event the life insured survives to the end of the policy term, you shall be entitled to a maturity benefit.
• Maturity sum assured; plus
• Accrued bonus till date; plus
• Terminal bonus (if any)
Maturity sum assured is sum of all premiums paid till date excluding service tax and rider premium or underwriting extra (if any).
ABSLI Vision Endowment Plan UIN No: 109N080V01
This is a traditional participating endowment plan. All terms and conditions are guaranteed throughout the policy term, except for the bonuses which would be declared at the end of each financial year. Service Tax and Education Cess and any other applicable taxes will be added (extra) to your premium and levied as per extant tax laws. 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. Insurance is the subject matter of the solicitation.
CIN: U99999MH2000PLC128110. Registration No. 109 ADV/6/14-15/8122.
In the event that the life insured lives until the end of the policy term, the following shall be paid :
• Sum assured, plus
• Accrued regular bonuses, plus
• Terminal bonus, if any.
The policy continues even after the maturity benefit is paid.
Loan against policy can be acquired.
Minimum loan amount is Rs. 5,000
and maximum is 85% of the surrender value.
In the event the life insured survives to the end of the policy term, the insurance cover will continue till the life insured attains age 100. In case of death during this period or survival to age 100, if earlier, the guaranteed death benefit shall be payable. Guaranteed death benefit is higher of sum assured or 10 times the annual premium payable.
ABSLI Vision LifeSecure Plan UIN No: 109N087V01
This is a traditional participating whole life insurance plan. All terms and conditions are guaranteed throughout the policy term, except for the bonuses which would be declared at the end of each financial year. Service Tax and Education Cess 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. For more details on risk factors, terms & conditions, please read the sales brochure carefully before concluding the sale. Tax benefits are subject to changes in the tax laws. Insurance is the subject matter of the solicitation.
CIN: U99999MH2000PLC128110 Registration No. 109 ADV/7/15-16/8147.
As you move forward in life, financial requirements pertaining to the well being of you and your family becomes a major catalyst in your life. You want to provide the best of everything to your loved ones. However, in these turbulent times of economic instability, there is a risk of your income not keeping pace with your needs and goals. In such times a second guaranteed income proves to be bliss.
ABSLI SecurePlus Plan recognizes the importance of such needs and helps you fulfill them by offering you a second income which ensures peace of mind.
Key Benefits :• For income benefit option A - 6 years
Paid at the end of each year after completion of the policy term
• For income benefit option B - 12 years
Paid at the end of each year after completion of the policy term
ABSLI SecurePlus Plan UIN No: 109N102V01
*Excluding service tax and cess, any applicable rider premiums and underwriting extras, if any.
B1, 5th Floor, Nirlon Knowledge Park, Goregaon East, Mumbai - 400063, Off Western Express Highway. This policy is underwritten by Aditya Birla Sun Life Insurance Company Limited (ABSLI). This is a non-participating traditional insurance plan. All terms and conditions are guaranteed throughout the policy term. For more details and clarification call your ABSLI Insurance Advisor or visit our website.
CIN: U99999MH2000PLC128110 Registration No. 109. ADV/9/16-17/9918 VER1/JUN/2016.
| Entry Age | 25 to 70 years of age |
| Accumulation Period | 5 to 30 years |
| Pay Term | Regular pay. |
| Basic Premium | Minimum Rs. 18,000 p.a. if paid annually, Rs. 24,000 p.a. semi-annually, Rs. 30,000 p.a. quarterly and Rs. 36,000 p.a. monthly. |
| Guaranteed Additions | Additional units will be added to your policy: On the 6th policy anniversary and every policy anniversary thereafter, guaranteed addition is 0.25% of the average Fund value in the last 12 months; plus On the 11th policy anniversary and every policy anniversary thereafter, guaranteed addition is 0.35% of the average fund value in the last 12 months; plus On the 16th policy anniversary and every policy anniversary thereafter, guaranteed addition is 0.35% of the average fund value in the last 12 months. |
| Death Benefit | Greater of guaranteed death benefit or fund value as on date of intimation of death. |
| Surrender Benefit | You can surrender your policy anytime after 5 years. |
| Loan Benefit | Policy loan is not allowed under this plan. |
ABSLI Empower Pension Plan UIN No: 109L078V02
In this policy, investment risk in investment portfolio is borne by the policyholder. Aditya Birla Sun Life Insurance and ABSLI Empower Pension Plan are only the names of the Company and Policy respectively and do not in any way indicate their quality, future prospects or returns. CIN: U99999MH2000PLC128110. Registration No. 109 ADV/6/14-15/8137.
ABSLI Future Guard Plan provides complete financial freedom even when you're not around, so that your loved ones live comfortably. This plan is ideal for you if you want an economical way of providing for life insurance cover and would like to protect your family in the unfortunate event of you not being around, yet receive all your premiums back on maturity. So you can enjoy life knowing that your family's future is secured and guaranteed even in your absence and your premiums are yours on your survival.
Key features of the plan:Minimum - Rs. 500,000
Maximum - No limit
ABSLI Future Guard Plan UIN No: 109N077V02
CIN: U99999MH2000PLC128110 Reg.no.109. ADV/9/16-17/9935.
The wide range of innovative life insurance solutions from Aditya Birla Sun Life Insurance Company Limited also allow you to avail of the benefits under the Married Women’s Property Act.
Under Married Women's Property Act you can assign your life insurance policy in the name of the trust created for the benefit of your wife and / or children. The money set aside in this form is free from creditors, court or tax attachments (even in case of insolvency) forever, provided that the trust under Married Women's Property Act has not been effected to defraud the creditors.
Benefits of Married Women's Property Act, 1874:
“Human Life Value” is that amount which ensures that the standard of living of a family is not affected even if the earning member is not there or not able to earn.
Most families are accustomed to a certain standard of living. What we often fail to realise is that this standard of living is entirely dependant on the earning member of the family. If the earning member is unable to provide for the family, it is hardly possible to maintain the same quality of life.
Use these simple thumb rules to find out.
| Age | Human Life Value |
| Upto 25 | 20 times annual gross salary |
| 25 - 35 | 15 times annual gross salary |
| 35 - 45 | 12 times annual gross salary |
| 45+ | 10 times annual gross salary |
To give you appropriate life insurance solutions, we have tied up with Aditya Birla Sun Life, a leading private life insurance company. You can avail of a range of products to suit your insurance needs.
SMS INS to 561615
# Customers outside India need to dial +91 22 6601 6601.
Customers in Mumbai can also call at +91 22 6601 6601. Call charges apply.
Disclaimer
Deutsche Bank AG, India (“Deutsche Bank”) is a licensed corporate agent of *Aditya Birla Sun Life Insurance Company Limited, Niva Bupa Health Insurance Company Limited, Aditya Birla Health Insurance Company, Tata AIG General Insurance Company Limited and HDFC ERGO General Insurance Company Limited under the composite license number CA0020.
Insurance products are obligations only of the Insurance company. All insurance products are underwritten by the respective insurance company and are subject to the terms and conditions of the relevant policy issued by that insurance company. They are neither bank deposits nor constitute obligations of or guaranteed by Deutsche Bank or any of its affiliates or subsidiaries or any governmental agency. This communication shall not be construed as investment advice and all decisions to purchase the policy shall be the personal judgement of the customer arrived at after due consideration. All claims under the policy will be solely decided upon by the Insurance Company. The tax benefits on your Policy would be as per the prevailing provisions of the Income Tax Act, 1961 and Income Tax Rules, 1962, as may be amended, modified, or substituted from time to time.
This document does not constitute the distribution of any information or the making of any offer or solicitation by anyone in any jurisdiction in which such distribution or offer is not authorized or to any person to whom it is unlawful to distribute such a document or make such an offer or solicitation. Neither this document nor anything contained herein shall form the basis of any contract or commitment whatsoever. You should take all relevant factors including independent expert advice into account before making any investment or other decision by using the content of this publication.
Deutsche Bank does not guarantee or make any representation, express or implied, with respect to the fairness, correctness, accuracy, adequacy, reasonableness, reliability, usefulness, viability or fitness for any particular purpose or completeness of any information in this email and is not responsible for any errors or omissions or for results obtained from the use of such information. Deutsche Bank also disclaims all liability in respect of use of any third-party information or offering, whether proprietary or otherwise. Deutsche Bank is only an agent and not an advisor in offering the insurance products. All insurance products are underwritten by the respective insurance company and are subject to the terms of the relevant policy issued by that insurance company. You are requested to familiarize yourself with the terms and conditions of each individual policy to make well-informed investment decisions. Deutsche Bank hold no warranty and do not make any representation about the insurance, the quality of claims processing and shall not be responsible for claims, recovery of claims, or for processing of or clearing of claims, in any manner whatsoever.
Insurance is a subject matter of solicitation. The premium paid in unit linked life insurance policies are subject to market and investment risks. NAVs of the units may go up or down based on the performance of the fund and factors influencing the capital and money markets. Yield or a fund’s past performance should not be considered as an indication or guarantee of future yield or results. There is no assurance or guarantee that the objectives of the products will be achieved, and the insured is responsible for his or her decision to invest. The customers are advised to please refer to the respective product brochures and sales illustrations for details of each product and risk factors before concluding any sale. Participation by the bank's customers in an insurance product is purely on a voluntary basis.
Deutsche Bank hereby confirm that the insurance is offered as an ancillary product along with its other existing products. Deutsche Bank further states that none of it’s employees have compelled the customer to necessarily buy the insurance product through Deutsche Bank and neither customer are forced to buy insurance through Deutsche Bank only.
*Deutsche Bank AG is a Licensed Corporate Agent (License no. CA0020) of Aditya Birla Sun Life Insurance Company Limited, Registered Office: One World Centre, Tower 1, 16th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai - 400 013. Toll Free No. 1-800-270-7000 Website: www.adityabirlasunlifeinsurance.com IRDAI Reg No.109 CIN: U99999MH2000PLC128110. Aditya Birla Sun Life Insurance and plans offered 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.
Deutsche Bank AG is a Licensed Corporate Agent (License no. CA0020) of Niva Bupa Health Insurance Company Limited (formerly known as Max Bupa Health Insurance Company Limited) (IRDAI Registration No. 145). Registered office: C-98, First Floor, Lajpat Nagar, Part 1, New Delhi-110024; CIN NO. U66000DL2008PLC182918. Website: www.nivabupa.com. Fax: + 91 11 41743397. Customer Helpline No.: 1860-500- 8888. For more details on terms and conditions, exclusions, risk factors, waiting period & benefits, please read sales brochure carefully before concluding a sale.
Deutsche Bank AG is a Licensed Corporate Agent (License no. CA0020) of Aditya Birla Health Insurance Co. Limited., IRDAI Reg.153, CIN No. U66000MH2015PLC263677. Address: One World Centre, Tower 1, 9th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai - 400 013. Website: adityabirlahealthinsurance.com, Email: care.healthinsurance@adityabirlacapital.com, Telephone: 18002707000, Fax: +91 2262257700. For more details on risk factors, terms and conditions please read terms and conditions carefully before concluding a sale. Trademark / Logo Aditya Birla Capital is owned by Aditya Birla Management Corporation Private Limited and Trademark / Logo Health Returns TM, Healthy Heart Score and Active Dayz are owned by MMI Group Limited. These Trademark / Logos are being used by Aditya Birla Health Insurance Co. Limited under licensed user agreement(s). Deutsche Bank AG does not underwrite the risk or act as the Insurer.
Deutsche Bank AG is a Licensed Corporate Agent (License no. CA0020) of HDFC ERGO General Insurance Company Limited. IRDAI Reg No: 146, CIN: U66030MH2007PLC177117. Reg Office: 1st Floor, HDFC House, Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai - 400020. Phone: 1800-2666-400, 022-6234-6234, email: care@hdfcergo.com. The Contract of insurance is between HDFC ERGO and the Insured only and Deutsche Bank is not a party to the said contract. Participation by customer to buy insurance policy is purely voluntary. For more details on coverage, terms and conditions, please read the sales brochure carefully before concluding a sale.
Deutsche Bank AG is a Licensed Corporate Agent (License no. CA0020) of Tata AIG General Insurance Company Limited (IRDA of India Registration no. 108 CIN: U85110MH2000PLC128425), Registered Office: Peninsula Business Park, Tower A, 15th Floor, G.K.Marg, Lower Parel, Mumbai - 400 013, Maharashtra, India. The insurance products are underwritten by Tata AIG General Insurance Company Limited. The benefits and features of the products and services are purely indicative in nature. The purchase of a Tata AIG General Insurance Company Limited product by Deutsche Bank customers is purely on a voluntary basis. For clarifications, customers can call on 1800 266 7780 or write to customersupport@tataaig.com.
This information is given by Deutsche Bank AG whose registered office is at Frankfurt.
IRDAI clarifies to public that IRDAI or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums. IRDAI does not announce any bonus. Public receiving such phone calls are requested to lodge a police complaint along with details of phone call number.
