In this policy, investment risk in investment portfolio is borne by the policyholder.

Linked Insurance Products do not offer any liquidity during the first five years of the contract. The policyholder will not be able to withdraw/surrender the monies invested in Linked Insurance Products completely or partially till the end of the fifth year from inception

Key Features:

  • Investment cum Insurance plan providing financial security to your loved ones and providing upside of market related returns while shielding your returns from downside risks

  • Premium paying term of 5 years

  • Flexibility to choose between 3 investment options to suit your investment needs

  • Sum Assured plus Fund Value payable on unfortunate death of the life insured

  • Flexibility to add top-ups whenever you have additional savings

  • Flexibility of partial withdrawals to meet any emergency fund requirements

  • Tax benefits under section 80C and section 10(10D) of the Income Tax Act, 1961*


  1. Guaranteed Additions – in the form of additional units will be added to your policy:

  • From 6th to 10th policy anniversary - Guaranteed Addition is 0.25% of the average Fund Value in the last 12 months

  • From 11th to 15th policy anniversary - Guaranteed Addition is 0.55% of the average Fund Value in the last 12 months

  • From 16th policy anniversary and every year thereafter - Guaranteed Addition is 0.75% of the average Fund Value in the last 12 months

After the completion of 5 policy years, non-negative residual additions, if any, shall be credited to the policy in order to meet the maximum reduction in yield as in Regulation 37 of IRDA (Linked Insurance Products) Regulations, 2013.

  1. Death Benefit (1) – Upon the unfortunate demise of the life insured prior to maturity, the nominee shall receive the Basic Sum Assured plus the Basic Fund Value as on the date of intimation of death. In addition the Top-up Sum Assured plus the Top-up Fund Value shall also be paid as on the date of intimation of death.

Death benefit shall never be less than 105% of total premiums paid to date (excluding service tax).

In case where the death of the Life Insured takes place prior to risk commencement date, only the basic premiums paid (excluding service tax, if any) shall be payable as the Death Benefit.

  1. Maturity Benefit – you will receive the Fund Value at maturity.

  2. Surrender Benefit – In case of emergencies, you can surrender your policy to ABSLI Co. anytime during the policy term. Any such surrender during the first five years will be treated according to the complete withdrawal as mentioned in Policy Discontinuance section. In case you surrender the policy after the completion of five years the Fund Value will be paid immediately.

(1) In case of death of the life insured, if life insured is different from the proposer/policyholder, the proposer/policyholder will receive the policy proceeds.


Entry Age (age last birthday)

30 days* – 65 years

Maturity Age

Minimum – 18 years

Maximum – 75 years

Policy Term

10 | 15 | 20 | 25| 30 years

Premium Paying Term

5 pay

Basic Premium

Minimum Rs. 100,000 p.a. if paid Annually

Minimum Rs. 180,000 p.a. if paid Monthly

Top-up Premium

Minimum Rs. 5,000

Pay Mode

Annual, Monthly

* risk commences from the first policy anniversary


As per RBI circular: RBI/2009-10/225 dated November 16, 2009, following are the details of the comparative commission earned by HDFC Bank from Insurance (Life), whose products are being distributed:

Commission, Brokerage and trail from Life Insurance


First Year Commission

2nd year Renewal Commission




















Savings & Investment





Group Product*





Note: The commission varies depending upon the Product in each category, tenure, amount of premium and premium paying term

*For Group Products commission payable is 5% of the premium with a ceiling on the maximum payout as defined by Insurance Regulatory and Development Authority of India (IRDAI) from time to time.

Important Disclaimer:

HDFC Bank Ltd. is a corporate agent of Aditya Birla Sun Life Insurance Company under IRDAI Registration No: CA0010 and does not underwrite the risk or act as an insurer.

Registered Address: HDFC Bank House, Senapati Bapat Marg, Lower Parel West, Lower Parel, Mumbai, Maharashtra 400013. Participation by the Bank’s clients in the insurance products is purely on a voluntary basis.

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.
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. . 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.

CIN: U99999MH2000PLC128110 Registration no.109 UIN: 109L076V03 ADV/6/17-18/544 VER1/JUN/2016

“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.”