©Aditya Birla Capital Ltd.

All rights reserved

Captain Manoj Aurora / Merchant Navy Captain

PROTECTING your big smiles

Life Insurance tomorrow, with smaller
Aditya Birla Sun Life Insurance Company Limited
amounts today
adityabirlacapital.com
Aditya Birla Sun Life Insurance Vision LifeSecure Plan
A traditional participating whole life insurance plan
Contact our advisor or visit our website www.adityabirlasunlifeinsurance.com to know more about the
various solutions. We provide a wide range of Life Insurance solutions to cater to your specific • Whole life cover till age 100
protection needs.
• Regular bonuses through the policy term starting from first year
Protection Health Children's Retirement Wealth Plans Savings Plans
Plans Plans Future Plans with Protection with Protection

“The Trade Logo “Aditya Birla Capital” Displayed Above Is Owned By ADITYA BIRLA MANAGEMENT CORPORATION
PRIVATE LIMITED (Trademark Owner) And Used By ADITYA BIRLA SUN LIFE INSURANCE COMPANY LIMITED (ABSLI)
under the License.”
Aditya Birla Sun Life Insurance Company Limited (Formerly Birla Sun Life Insurance Company Limited)
Life Insurance
Registered Office: One Indiabulls Centre,Tower 1, 16th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg,
Elphinstone Road, Mumbai - 400 013. Call Centre: 1-800-270-7000 www.adityabirlasunlifeinsurance.com Aditya Birla Sun Life Insurance Company Limited
IRDAI reg no.109 CIN: U99999MH2000PLC128110 UIN: 109N087V04 ADV/11/19-20/1300 VER1/NOV/2019
 Eligibility Criterion

©Aditya Birla Capital Ltd. All rights reserved

Entry Age (age last birthday) 30 days* - 60 years

Policy Term 15 to 35 years

Minimum Attained age at the end of policy term is 18 years or more

Maximum Attained age at the end of policy term is 75 years or less

Premium Paying Term Regular pay

Minimum Sum Assured `2,00,000

Minimum Premium `12,000 p.a.

Premium Frequency Annual, Semi-annual, Quarterly and Monthly

*Risk commences from the first policy anniversary.

At inception, you need to choose the Sum Assured and the policy term, which cannot be
changed later. For ease of reference, your Sum Assured is banded as follows:

Sum Assured Band Band 1 Band 2 Band 3 Band 4

Sum Assured (`) 2,00,000 to 3,99,999 4,00,000 to 5,99,999 6,00,000 to 7,99,999 8,00,000+
Captain Manoj Aurora / Merchant Navy Captain
Regular Bonuses - ABSLI will declare simple reversionary bonuses regularly at the end of
each financial year during the policy term and that will be added to your policy on its policy
Who knows exactly what future has in store for us? To overcome the anniversary. Bonuses once attached to the policy are payable along with the interim bonuses,
challenges in life and achieve your goals, you need to be well prepared. You as applicable on maturity or surrender or death, if earlier. In case of surrender the surrender
need to have something to rely on when life doesn’t go according to plan. value of the attached bonuses will be payable. The regular bonus rate declared by ABSLI may
vary from year to year and will depend on the actual experience regarding various factors and
the prevailing economic conditions. Future bonuses are however not guaranteed and will
ABSLI Vision LifeSecure plan is designed to provide long term financial depend upon the future profits of the participating business.
security for you and your family. With the flexibility to decide your
policy term, you can enjoy life protection up to age 100 and steady Terminal Bonus – ABSLI may also pay a terminal bonus on, maturity or death, if earlier,
based on the actual experience and the prevailing economic conditions.
growth to your savings over time so that you can relax and enjoy your
life with complete peace of mind.
Your Benefits

Plan At A Glance In the event life insured survives till the end of the policy term we shall pay the
following to you
ABSLI Vision LifeSecure Plan is suitable for you if your key objective is to secure savings and • Sum Assured; plus
provide comprehensive financial protection to your family up to age 100
• Accrued regular bonuses; plus
Maturity • Terminal bonus; if any
The ABSLI Vision LifeSecure Plan offers you: Benefit
• Growth in your savings – Enhance your savings by regular bonuses throughout the The policy continues even aer the Maturity Benefit is paid.
policy term starting from the first policy year
• Safety to your loved ones – Comprehensive financial protection to you and your family
up to age 100
In the unfortunate event of death of the life insured during the policy term, If you discontinue paying premiums aer having paid premiums
the death benefit(1) payable shall be
for at least two full years, your policy will not lapse but will continue
• Sum Assured on Death; plus on a Reduced Paid-Up basis. Under Reduced Paid-Up, your
• Accrued regular bonuses as on date of death; plus Sum Assured shall be reduced in proportion to the premiums
Death Benefit Reduced
• Terminal Bonus; if any actually paid to the remiums payable during the policy term and
total shall be payable on maturity or death. Your accrued Paid-Up Benefits
Sum Assured on Death shall always be higher of Sum Assured or 10 times of
Annualized Premium. bonuses up to the due date of first unpaid premium will not be
reduced; however any bonus payable for the policy year of premium discontinuance shall be
In the event the Life Insured survives to the end of the policy term, the insurance cover will reduced proportionately to the unpaid premiums in that policy year. There will be no further
continue till the life insured attains age 100. In case of survival to age 100 or death during accrual of bonuses in the policy and accrued bonuses will be paid upon death or survival to
this period, if earlier, the Sum Assured on Death shall be payable. the end of the policy term, if earlier.
The death benefit will be subject to minimum of 105% of Total Premiums paid up to date Under the paid-up status, your policy benefits will continue with the following modifications:
of death. Death Benefit:
Where, In the event of death of the Life Insured during Policy Term
Annualized Premium shall be the premium amount payable in a year chosen by the • Reduced Paid Up Sum Assured; plus
policyholder, excluding the taxes, rider premiums, underwriting extra premiums and loadings • Accrued bonuses
for modal premiums, if any.
In the event of death of the Life Insured aer the Policy Term; the Death Benefit is the
Total Premiums Paid means total of all the premiums received, excluding any extra Reduced Paid Up Sum Assured.
premium, any rider premium and taxes.
Maturity Benefit:
In case where the death of the Life Insured takes place prior to the risk commencement In the event the Life Insured survives to the end of the Policy Term,
date, only the basic premiums paid to date (excluding taxes, if any) shall be payable as the
Death Benefit. • Reduced Paid Up Sum Assured; plus
• Accrued bonuses
If the life insured is different from the policyholder, we shall pay the above death benefit to
the policyholder. The policy shall be terminated once the death benefit is paid. In the event the Life Insured survives to Age 100, the Reduced Paid Up Sum Assured is payable.

For added protection, you can enhance your insurance coverage during
the policy term by adding following riders for a nominal extra cost.
• ABSLI Accidental Death and Disability Rider (UIN: 109B018V03)
• ABSLI Critical Illness Rider (UIN: 109B019V03)
Customisable • ABSLI Surgical Care Rider (UIN: 109B015V03)
Benefits • ABSLI Hospital Care Rider (UIN: 109B016V03)
• ABSLI Waiver of Premium Rider (UIN: 109C017V03)
• ABSLI Accidental Death Benefit Rider Plus (UIN: 109C023V02)
Please refer to detailed brochures on riders, consult your financial advisor or visit our website
for further details.
 How Does The Plan Work? Your Options
Some benefits are guaranteed, and some benefits are variable with returns based on the Paying Premiums
future performance of ABSLI. If your policy offers guaranteed benefits then these will be
Please ask your financial advisor or visit our website to determine the premium rate
clearly marked “guaranteed” in the table on this page. If your policy offers variable benefits,
applicable for your policy.
then the illustrations on this page will show two different rates of assumed future investment
returns of 8% p.a. and 4% p.a. These assumed rates of return are not guaranteed and they You may choose to pay your premium annually, semi-annually, quarterly or monthly as per
are not the upper or lower limits of what you might get back. as the value of your policy is your convenience. For annual and semi-annual payments, we give a premium rebate of 3.0%
dependent on a number of factors including future investment performance. and 1.5% respectively.

Entry Age : 35 years Premium Paying Term : 25 years Sum Assured Rebate
Gender : Male Payment Mode : Yearly
For higher Sum Assured, we also offer a premium rebate as follows.
Policy Term : 25 years Annualized Premium : `25,870
Sum Assured : `500,000 Sum Assured Band Band 1 Band 2 Band 3 Band 4
Premium Rebate per 1000 SA Nil 2.00 3.00 3.75
Guaranteed Reversionary Total Death Total
Annualized
Policy Benefit Bonuses Benefit Maturity Benefit
Premiums*
Year
Paid Death Maturity at 4% at 8% at 4% at 8% at 4% at 8% Surrendering your Policy
End
to Date p.a. p.a. p.a. p.a. p.a. p.a.
Your policy will acquire a surrender value aer all due premiums for at least two full policy
1 25,870 5,00,000 0 3,500 23,500 5,03,500 523,500 0 0
years are paid. The Guaranteed Surrender Value is a percentage of Total premiums paid plus
2 51,740 5,00,000 0 7,000 47,000 5,07,000 547,000 0 0 the surrender value of accrued regular bonuses less maturity benefit already paid. The
3 77,610 5,00,000 0 10,500 70,500 5,10,500 570,500 0 0 Guaranteed Surrender Value will vary depending on the policy term and the year the policy
4 103,480 5,00,000 0 14,000 94,000 5,14,000 594,000 0 0 is surrendered.
5 129,350 5,00,000 0 17,500 1,17,500 5,17,500 617,500 0 0
Your policy will also be eligible for a Special Surrender Value. The surrender value payable will
6 155,220 5,00,000 0 21,000 1,41,000 5,21,000 648,500 0 0 be the higher of Guaranteed Surrender Value or Special Surrender Value. The policy shall be
7 181,090 5,00,000 0 24,500 1,64,500 5,24,500 679,500 0 0 terminated once the Surrender Value is paid. Please ask your financial advisor for an
illustration of the Surrender Values applicable to your policy or refer to your policy contract
8 206,960 5,00,000 0 28,000 1,88,000 5,28,000 710,500 0 0
for further details.
9 232,830 5,00,000 0 31,500 2,11,500 5,31,500 741,500 0 0
10 258,700 5,00,000 0 35,000 2,35,000 5,35,000 772,500 0 0 Taking a Policy Loan
15 388,050 500,623 0 52,500 3,52,500 5,52,500 927,500 0 0 You may take a loan against your policy once it has acquired a surrender value and provided
20 517,400 526,972 0 70,000 4,70,000 5,70,000 10,82,500 0 0 the life insured is alive. The minimum loan amount is Rs.5,000 and the maximum is 85% of
25 646,750 658,715 500,000 87,500 5,87,500 6,58,715 12,37,500 5,87,500 1,237,500
your surrender value. We shall charge interest on the outstanding loan balance at a rate
declared by us from time to time based on then prevailing market conditions. Any
26 to 64 646,750 658,715 0 0 0 6,58,715 6,58,715 0 0
outstanding loan balance will be recovered by us from policy proceeds due for payment and
65 646,750 658,715 658,715 0 0 6,58,715 6,58,715 6,58,715 6,58,715 will be deducted before any benefit is paid under the policy. Should the outstanding policy
loan balance equal or exceed the surrender value of your policy at any time, when your policy
*Premiums are paid when due at the start of the period, depending on the mode or frequency of premium payment is in reduced paid up status, then the policy shall be terminated without any value. Note that
chosen. These exclude underwriting extra premium, frequency loadings on premiums, the premiums paid towards the
riders, if any, and Goods and Service tax.
prior to this happening, we shall give you an opportunity to repay all or part of your
outstanding loan balance in order for your policy to continue uninterrupted.
This is not a benefit illustration. Please visit our website or ask your financial advisor for the complete benefit illustration
for your policy.
 Terms & Conditions Goods and Services Tax (GST)
GST and other levies, as applicable, will be extra and levied as per the extant tax laws.
Free-Look Period
You will have the right to return your policy to us within 15 days (30 days in case the policy Tax Benefits
issued under the provisions of IRDA Guidelines on Distance Marketing(1) of Insurance As per extant tax laws, this plan offers tax benefits under Section 80C and Section 10(10D) of
products) from the date of receipt of the policy. We will refund the premium paid once we the Income Tax Act, 1961, subject to fulfillment of the other conditions of the respective
receive your written notice of cancellation (along with reasons thereof) together with the sections prescribed therein.
original policy documents. We will deduct proportionate risk premium for the period of cover
and expenses incurred by us on medical examination and stamp duty charges while issuing You are advised to consult your tax advisor for details.
your policy.
Exclusions
(1)
Distance Marketing includes every activity of solicitation (including lead generation) and sale of insurance products
through voice mode, SMS electronic mode, physical mode (like postal mail) or any other means of communication other We will pay the total premiums paid till date or surrender value available on the date of
than in person. death, if higher in the event the life insured dies due to suicide, within 12 months from the
date of commencement of risk under the policy or from the date of revival of the policy, as
Grace Period & Revival
may be applicable provided the policy is inforce.
If you are unable to pay your premium by the due date, you will be given a grace period of 30
days and during this grace period all coverage under your policy will continue. If you do not Nomination
pay your premium within the grace period, the following will be applicable: Allowed as per the provisions of Section 39 of the Insurance Act, 1938 as amended from
• In case you have not paid premiums for two full years, then all benefits under your policy time to time. For more details on the nomination, please refer to our website
will cease immediately. www.adityabirlasunlifeinsurance.com
• In case you have paid premiums for at least two full years, then your policy will continue Assignment
on a Reduced Paid-Up basis.
Allowed as per the provisions of Section 38 of the Insurance Act, 1938 as amended from
You can revive your policy for its full coverage within five years from the due date of the first time to time. For more details on the assignment, please refer to our website
unpaid premium by paying all outstanding premiums together with interest as declared by us www.adityabirlasunlifeinsurance.com
from time to time and by providing evidence of insurability satisfactory to us. Upon revival,
your benefits shall be restored to their full value. Prohibition of Rebates – Section 41 of the Insurance Act, 1938
No person shall allow or offer to allow, either directly or indirectly, as an inducement to any
person to take or renew or continue an insurance in respect of any kind of risk relating to
©Aditya Birla Capital Ltd. All rights reserved
lives or property in India, any rebate of the whole or part of the commission payable or any
rebate of the premium shown on the policy, nor shall any person taking out or renewing or
continuing a policy accept any rebate, except such rebate as may be allowed in accordance
with the published prospectuses or tables of the insurer.
Any person making default in complying with the provisions of this section shall be liable for
a penalty which may extend to ten lakh rupees.

Fraud and Misrepresentation

As per the provisions of Section 45 of the Insurance Act, 1938 as amended from time to
time. For more details on Section 45 of the Insurance Act, 1938 please refer to our website
www.adityabirlasunlifeinsurance.com

Captain Manoj Aurora / Merchant Navy Captain

 Aditya Birla Sun Life Insurance – A Coming Together Of Values Risk Factors And Disclaimers

About Aditya Birla Sun Life Insurance, an Aditya Birla Company This policy is underwritten by Aditya Birla Sun Life Insurance Company Limited (ABSLI).
This is a traditional participating whole life insurance plan. All terms & conditions are
Aditya Birla Sun Life Insurance Company Limited (ABSLI), is a subsidiary of Aditya Birla
guaranteed throughout the policy term, except for the bonuses which would be declared at
Capital Ltd (ABCL). ABSLI was incorporated on August 4th, 2000 and commenced
the end of each financial year. GST and any other applicable taxes will be added (extra) to
operations on January 17th, 2001. ABSLI is a 51:49 joint venture between the Aditya Birla
your premium and levied as per extant tax laws. An extra premium may be charged as per our
Group and Sun Life Financial Inc., an international financial services organization in Canada.
then existing underwriting guidelines for substandard lives, smokers or people having
ABSLI (Formerly known as Birla Sun Life Insurance Company Limited), offers a range of life hazardous occupations etc. This brochure contains salient features of the plan including risk
insurance products across the customer’s life cycle, including children future plans, wealth factors, terms & conditions, please read the brochure carefully before concluding the sale.
protection plans, retirement and pension solutions, health plans, traditional term plans and For precise terms & conditions please refer to the policy contract. Tax benefits are subject to
Unit Linked Insurance Plans (“ULIPs”). changes in the tax laws. For more details and clarification call your ABSLI Insurance Advisor
www.adityabirlasunlifeinsurance.com or visit our website and see how we can help in making your dreams come true.

About Aditya Birla Capital

BEWARE OF SPURIOUS / FRAUD PHONE CALLS!
Aditya Birla Capital Limited (ABCL) is the holding company for the financial services
IRDAI is not involved in activities like selling insurance policies, announcing bonus or
businesses of the Aditya Birla Group. With subsidiaries that have a presence across
investment of premiums.
Protecting, Investing and Financing solutions, ABCL is a financial solutions group that caters Public receiving such phone calls are requested to lodge a police complaint.
to diverse needs of its customers across their life cycle.  With more than 18,000 employees,
the subsidiaries of ABCL have a nationwide reach with 850+ branches and more than
2,00,000 agents/channel partners and several bank partners.

Aditya Birla Capital is a part of the Aditya Birla Group, a USD 48.3 billion Indian multinational,
in the league of Fortune 500. Anchored by over 120,000 employees, belonging to 42
nationalities, the Aditya Birla Group operates in 34 countries across the globe.
www.adityabirlacapital.com

About Sun Life Financial Inc, Canada

Sun Life Financial is an international financial services organization providing insurance,

wealth and asset management solutions to individual and corporate Clients.  Sun Life
Financial has operations in a number of markets worldwide, including Canada, the United
States, the United Kingdom, Ireland, Hong Kong, the Philippines, Japan, Indonesia, India,
China, Australia, Singapore, Vietnam, Malaysia and Bermuda.  Sun Life Financial Inc. trades
on the Toronto (TSX), New York (NYSE) and Philippine (PSE) stock exchanges under the
ticker symbol SLF.
www.sunlife.com
* (All the above numbers mentioned in the About Us of Aditya Birla Capital Limited is as on June 30th, 2019)