absli life shield plan...s s aditya birla sun life insurance company ltd – 03 0-90 9 absli...

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ABSLI Life Shield PlanA non-linked non – participating term insurance plan

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Life’s journey and the uncertainties

Life is a journey full of events, good or bad, happy or sad, positive or negative…

Life is uncertain but it is good to have a plan to protect against the uncertainties….

Education Job Car House Marriage Travel Children Retirement

Untimely Death Disability Critical Illness

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Assets creation or liabilities

ASSETS

Assets creation or liabilities


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ABSLI LIFE SHIELD PLAN

ASSETS can turn into LIABILITIES for family in your absence…

Effective planning



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Effective planning

Family may need funds and that too large sums suddenly

Now you can shield your family against liabilities

ABSLI LIFE SHIELD PLAN



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ABSLI Life Shield PlanA non-linked non – participating term insurance plan

Aditya Birla Sun Life Insurance Company Ltd

Presenting

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Aditya Birla Sun Life Insurance Company Ltd.

Key Benefits

❑ Flexibilities to customize and create a solution to meet different protection need

❑ Multiple plan option Level SA / Increasing SA/ Decreasing SA / Return of premium

❑ Option to cover spouse under the same policy.

❑ Option to increase coverage at key milestones of life

❑ Multiple option to receive death benefit to meet nominee’s needs.

❑ Inbuilt terminal illness benefit.

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ABSLI LIFESHIELD PLAN AT A GLANCE

Option 1 – Level Term Assurance

Option 2 – Level Term Assurance with Waiver of Premium (WOP) Benefits

Option 3 – Increasing Term Assurance

Option 4 – Increasing Term Assurance with Waiver of Premium (WOP) Benefits

Option 5 – Decreasing Term Assurance

Option 6 –Decreasing Term Assurance with Waiver of Premium (WOP) Benefits

Option 7 –Return of Premium

Option 8 –Return of Premium with Waiver of Premium (WOP) Benefits

Plan option once selected cannot be changed during the policy term.

Enhance the protection offering with:

ABSLI Accidental Death and Disability Rider

ABSLI Critical Illness Rider

ABSLI Surgical Care Rider

ABSLI Hospital Care Rider

ABSLI Accidental Death Benefit Rider Plus

Pla

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on

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Surrender Benefit

Plan Options 1 to 6Regular Pay: Not ApplicableLimited Pay: No benefit is payable incase of surrender during PPT. Incase of surrender after PPT provided allpremiums are paid, unexpired risk premium will be paid as surrender benefit.Single Pay: Unexpired risk premium will be paid.Options 7 and 8:Regular Pay & Limited Pay : Available after 2 full policy years premiums are paidSingle Pay – Available anytime after policy issuance.

Revival Benefit

Revival: Plan Options 1 to 6Regular & Limited Pay: Policy will lapse if premium is not paid within the grace period. The policy can be revived within a revival period of five years from the due date of first unpaid premium, subject to the revival conditions mentioned.Plan Options 7 & 8Regular & Limited Pay: The policy will lapse if premium for 2 full years is not paid. The policy can be revived within a revival period of five years from the due date of first unpaid premium, subject to the revival conditions mentioned.

Reduced Paid - Up

Plan Options 1 - 6Regular Pay: Not ApplicableLimited Pay: Not ApplicablePlan Options: 7 & 8Min 2 years (No Change)

Terminal Illness Benefit will be the reduced paid up benefit applicable at that time.

Policy Loan Not Available


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Plan Benefits


Death Benefit

In case of the unfortunate demise of the life insured during the policy term, the Sum Assured on death less any previously paid Terminal Illness Benefitwill be paid to nominee. The policy shall be terminated once the Death Benefit is paid.

Sum Assured on Death for regular| limited pay will be highest of -10 times of the Annualised premium for all ages; or 105% of all the Total Premiums paid as on the date of death; or Absolute amount assured to be paid on death.Sum Assured on Death for single pay will be highest of -125% of single premium for all ages; or Absolute amount assured to be paid on death.

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.Total Premiums paid means total of all the premiums received, excluding any extra premium, any rider premium and taxes.The absolute amount assured to be paid on death is the Effective Sum Assured as on the date of death.

Under Plan Option 1 or 2 or 7 or 8 - The Effective Sum Assured is the sum assured at inception and same will remain constant throughout the policy term.Under Option 3 or 4 - Effective Sum Assured will increase on every policy anniversary. The amount by which the Effective Sum Assured will increase on every policy anniversary is the sum assured at inception multiplied by 5% / 10% p.a. (simple), as chosen by you at inception.Under Option 5 or 6 - The Effective Sum Assured is the sum assured as per the Decreasing Sum Assured Schedule.

For Option 1 - Level Term Assurance Option and Option 2 - Level Term Assurance with Waiver of Premium (WOP) benefits, the Effective Sum Assured shall include any change in Sum Assured arising from the exercise of the Enhanced Life Stage Protection option.The nominee also has option to take Staggered payment with fixed annual income or; Staggered payment with increasing annual income @ 5% p.a.

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Plan Benefits


Enhanced Life stage Protection

Life insured may opt to increase life cover on occurrence of each of the following events without undergoing for any fresh medical examination.

• First Marriage - 50% of sum assured at inception subject to maximum of Rs. 50 Lakhs

• Birth of First Child - 25% of sum assured at inception subject to maximum of Rs. 25 Lakhs

• Birth of Second Child - 25% of sum assured at inception subject to maximum of Rs. 25 Lakhs

This feature is available only for policy under Plan Option 1 & Option 2, standard life at inception of the policy, regular pay policy and the attained

age of life insured is less than or equal to 50 years while exercising this option. This option is not available if Joint Life Protection is opted. Future

premiums shall be considered at the premium rate as applicable on the age at inception of the policy. Future premiums shall be increased in

proportion of the increase in the sum assured to the sum assured at inception of the policy and will be reflected from the subsequent policy

anniversary. You can choose to reduce the sum assured in future to the extent of sum assured increased under the Enhanced Life stage Protection

option. The reduction in sum assured will be effective from the policy anniversary falling immediately after the date of notification and the

premium will be decreased at the same time.

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Plan Benefits


Terminal Illness Benefit

In case you are diagnosed with a Terminal Illness, 50% of the applicable Sum Assured on Death, subject to a maximum of Rs. 2.5 crore will be paidimmediately, and all future due premiums are waived off. On subsequent death of the Life Insured during the policy term, the Sum Assured on Deathshall be reduced by the amount of Terminal Illness Benefit already paid. Future due premiums are not liable to be paid on their premium due dates.Terminal Illness Benefit shall only be payable on the first diagnosis of any Terminal Illness of the Life Insured during the policy term.

Maturity Benefit

In the event the life insured survives to the end of the policy term, no benefit is payable on maturity except when the Return of Premium Plan Option 7 I8 is chosen and then the sum of all the premiums (excluding GST, premiums paid towards underwriting extras and/or riders as may be applicable) shallbe paid on the policy maturity date and the policy will be terminated thereafter.

Joint Life ProtectionUnder this option, two lives i.e., you (primary life insured) and your spouse (secondary life insured) are covered under the same policy. The sum assuredapplicable for your spouse shall be equal to 50% of your applicable sum assured. This option shall only be available where the sum assured of primarylife insured is greater than or equal to Rs 5,000,000. You can opt for Joint Life Protection only if Plan Option 1,2, 3 or 4 is chosen. You can opt for thisoption at the inception of the policy and the same shall not be changed subsequently. No rider can be opted under this option.

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Other Features


Grace PeriodIf 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 Plan Option 1 or 2 or3 or 4 or 5 or 6 is chosen

If you do not pay your premium within the grace period, your policy will lapse, and all benefits will cease immediately.

If Plan Option 7 or 8 is chosen•In case you have not paid premiums for two full policy years, your policy will lapse, and all benefits will cease immediately.•In case you have paid premiums for at least two full policy years and any subsequent premium is not paid, then on expiry of the grace period, the policy will continue on Reduced Paid-up basis.

Reduced Paid-up Benefit

If Plan Option 1 or 2 or 3 or 4 or 5 or 6 is chosenNot applicableIf Plan Option 7 or 8 is chosenYou may choose to stop paying premiums at any time once all due premiums, for at least two policy years have been paid and continue this policy on apaid-up basis.Under Reduced Paid-Up, your Sum Assured as on the date of Death shall be reduced in proportion to the premiums actually paid to the total premiumspayable during the premium paying term.

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Other Features


SurrenderIf Plan Option 1 to 6 is chosenRegular Pay: There is no surrender benefit payable.

Limited Pay: Policy will acquire a Surrender Value upon receipt of all premiums up to the end of the premium paying term under the policy.

Single pay: Policy will acquire a surrender value immediately after policy issuance.

If Plan Option 7 or 8 is chosen

Regular & Limited Pay: Policy will acquire a surrender value after all due premiums for at least two years are paid.

Single Pay: Immediately after policy issuance.

Policy Loan There is no loan facility in this plan.

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Plan Option 1 & 2 – Scenarios (Regular Pay)Customer Need : Fixed Sum Assured throughout the tenure

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Rs. 1 crore

Life Cover of Rs. 1 crore

02 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21 23 24220

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Male Age 35 | Non Smoker | SA - Rs 1 crore | PT – 25 years | Regular Pay| Annualized Premium Rs.10,635/-

Plan Option (1) – Level Term Assurance

Rs. 1 crore

Life Cover of Rs. 1 crore02 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21 23 2422

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CI /TPD

Plan Option 2

Future Premiums Waived

On occurrence of critical illness or disability all future premiums will be waived off


Plan Option (2) – Level Term Assurance with WOP Benefits

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PLAN OPTION 1 & 2 (10 Pay)

Rs. 1 crore


02 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21 23 24220 25

Male Age 35 | Non Smoker | SA - Rs 1 crore | PT – 25 years | 10 Pay| Annualized Premium Rs.25,972/- (FYP incl GST)

Customer Need : Fixed Sum Assured throughout the tenurePlan Option (1) Level Term Assurance

Customer Need : Fixed Sum Assured throughout the tenurePlan Option (2) Level Term Assurance with

WOP Benefits

Rs. 1 crore


02 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21 23 24220 25

CI /TPD


Male Age 35 | Non Smoker | SA - Rs 1 crore | PT – 25 years | 10 Pay| Annualized Premium Rs.26,255/- (FYP incl GST)



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Plan Option 3 & 4 – Scenarios (Regular Pay)Customer Need : Increase in SA to tackle inflation without any change in the premium at inception. Increase can be 5% or 10% p.a. of original SA

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Male Age 35 | Non Smoker | SA - Rs 1 crore | PT – 25 years | Regular Pay| Increasing Level – 10% p.a. | Annualized Premium Rs.21,230/-

Rs. 2.5 crore

25002 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21 23 2422

Plan Option (3)– Increasing Term Assurance

Plan Option (3)– Increasing Term Assurance with WOP

Rs. 2.90 crore

25002 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21 23 2422

CI /TPD



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PLAN OPTION 3 & 4 (10 Pay)Customer Need : Increase in SA to tackle inflation without any change in the premium at inception. Increase can be 5% p.a. of original SA

Plan Option (3) Increasing Term Assurance

Customer Need : Increase in SA to tackle inflation without any change in the premium at inception. Increase can be 5% p.a. of original SA

Plan Option (4) Increasing Term Assurancewith WOP Benefits

Male Age 35 | Non Smoker | SA - Rs 1 crore | PT – 25 years | 10 Pay| Increasing Level – 5% p.a. | Annualized Premium Rs.41,064/- (FYP incl GST)

Rs. 1.75 crore

25002 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21 23 2422

Male Age 35 | Non Smoker | SA - Rs 1 crore | PT – 25 years | 10 Pay | Increasing Level – 5% p.a. | Annualized Premium Rs. 41,488/- (FYP incl GST)

Rs. 1.85 crore

25002 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21 23 2422

CI /TPD


On occurrence of critical illness or disability all future premiums will be

waived off


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Plan Option (5)– Decreasing Term Assurance (Regular Pay)

Male Age 35 | Non Smoker | Sum Assured - Rs 1 crore | Policy Term 25 years | Regular Pay | Annualized Premium Rs.9,575/-

Decreasing Liabilities100% 95% 90% 85% 70%

Rs. 42.50 lakh paid on terminal illness

Rs. 42.50 lakh

1625

02 03 04 05 06 07 08 09 10 11 12 13 14 15 17 18 19 20 21 23 240

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Decreasing Sum Assured

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Customer Need : Sum Assured will decrease over a period as liabilities decrease. Ideal to cover for loan /mortgage borrowers

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Plan Option (6)– Decreasing Term Assurance with WOP (Regular Pay)


2502 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21 23 24

022




CI /TPDRs. 85 lakh

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PLAN OPTION 5 & 6 (10 Pay)Customer Need : Sum Assured will decrease over a period as liabilities decrease. Ideal to cover for loan /mortgage borrowersPlan Option (5) Decreasing Term Assurance


Plan Option (6) Decreasing Term Assurance with WOP

Male Age 35 | Non Smoker | Sum Assured - Rs 1 crore | Policy Term 25 years | 10 Pay | Annualized Premium Rs.22845/- (FYP incl GST)

Decreasing Liabilities100% 95% 90% 85% 70%

Rs. 42.50 lakh paid on terminal illness

Rs. 42.50 lakh

1625

02 03 04 05 06 07 08 09 10 11 12 13 14 15 17 18 19 20 21 23 240

22

Decreasing SA



2502 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21 23 24

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CI /TPD Rs. 85 lakh

Male Age 35 | Non Smoker | Sum Assured - Rs 1 crore | Policy Term 25 years | 10 Pay | Annualized Premium Rs.23087/- (FYP incl GST)

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Plan Option 7 & 8 – Scenarios (Regular Pay)Customer Need : Return of premium on Maturity

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Plan Option (7) – Return of Premium (Regular Pay)

Male Age 35 | Non Smoker | Sum Assured - Rs 1 crore | Policy Term 25 years | Regular Pay| Annualized Premium Rs.24,900/-

Rs. 6.22 lakh on maturity

02 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21 23 24


221 25

Rs. 1 crore

Rs. 6.47 lakhon maturity


CI /TPD

02 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21 23 24220 25



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PLAN OPTION 7 & 8 (10 Pay)

Customer Need : Return of Premium on MaturityPlan Option (7) Return of Premium

Customer Need : Return of Premium on MaturityPlan Option (8) Return of Premium with WOP

Male Age 35 | Non Smoker | Sum Assured - Rs 1 crore | Policy Term 25 years | 10 Pay| Annualized Premium Rs. 49,815/- (FYP incl GST)

02 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21 23 24


220 25

Rs. 4.76 lakh on maturity

Rs. 1 crore Rs. 4.81 lakh on maturity

Male Age 35 | Non Smoker | SA - Rs 1 crore | PT – 25 years | 10 Pay| Annualized Premium Rs. 50,317 /- (FYP incl GST)

CI /TPD

02 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21 23 24220 25




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Male Age 35 (primary)|Female Age 30 (secondary) | Non Smoker | SA - Rs 2 crore | PT - 25 years | Regular Pay| Plan Option 1 |

Annualized Premium Rs.25,970/-

Future Premiums are Waived Off

Plan Offering - Joint Life Protection (Regular Pay)

Rs. 2 crore Rs. 1 crore

Primary Secondary

4 6 8 10 12 15 185 7 9 11 13 16 172 3 14250

. . . . . .

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Male Age 35 (primary)|Female Age 30 (secondary) | Non Smoker | SA - Rs 2 crore | PT - 25 years | Regular Pay| Plan Option 1 |

Annualized Premium Rs.25,970/-


Rs. 1 crore Rs. 2 crore

Secondary Primary

4 6 8 10 12 15 185 7 9 11 13 16 17 192 3 14250

. . . . . 20

Future Premiums are reduced from next policy anniversary to what would have

been charged at policy inception for only primary life insured

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Male Age 35 (primary)|Female Age 30 (secondary) | Non Smoker | Sum Assured - Rs 2 crore | Policy Term - 25 years | Premium Paying Term - Regular Pay|

Plan Option 1 |Annualized Premium Rs. 25,970/-


4 6 8 10 12 15 185 7 9 11 13 16 17 192 3 14

250

. . . . . 20

Rs. 1 croreRs. 2 crore

Primary & Secondary

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Automatic increase in Sum Assured I No medicals I Key milestones such as marriage, birth of 2 children I Freedom to reduce Sum Assured to original Sum Assured

Plan Offering - Enhanced Life Stage Protection

302 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 23 24 26

0

272522 28 29

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Ass

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Sum

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Child 1 Child 2

Sum

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*Subject to maximum of Rs. 50 Lakhs^^Subject to maximum of Rs. 25 Lakhs

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Customizable Benefit


ABSLI Accidental Death Benefit Rider Plus

(UIN : 109B023V02)Lump Sum in the event of accidental death

Rs. 1 lac

to

Rs. 1 crore

ABSLI Accidental Death and Disability

Rider (UIN : 109B018V03)

Lump Sum in the event of accidental death and percentage of Sum

Assured in the event of any disabilityRs. 75,000

to

Rs. 50 lacsABSLI Critical Illness Rider

(UIN : 109B019V03)

Lump Sum for illnesses including Heart Attack, Cancer, Stroke or

Major Organ Transplant

ABSLI Hospital Care Rider

(UIN : 109B016V03)Daily Hospital Cash Benefit, ICU Benefit and Recuperating Benefit Rs. 1.5 lacs

to

Rs. 15 lacsABSLI Surgical Care Rider

(UIN : 109B015V03)

Lump Sum for any major surgery involving brain, liver, lung or heart

(including coronary arteries) and other surgeries

Insurance cover can be enhanced during the premium paying term by adding any one of the following riders;

Rider Sum Assured cannot exceed the base plan SA

Riders are not available for Joint Life Protection Option & Decreasing Term Assurance (Plan Option 5|6).

Client can only opt for either ABSLI Accidental Death and Disability Rider or ABSLI Accidental Death Benefit Rider Plus not both

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Disclaimers

❑ Tax benefits are subject to changes in tax laws

❑ For more details on risk factors, terms and conditions please read sales brochure carefully before concluding the sale.

❑ ‘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’ under the License’

❑ One Indiabulls Center, Tower 1, 16th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai – 400013,

Reg. No. 109 –Call Center: 1-800-270-7000 – Website: www.adityabirlasunlifeinsurance.com, Corporate Identity Number:

U99999MH2000PLC128110

Aditya Birla Sun Life Insurance Company Ltd. 30

BEWARE OF SPURIOUS / FRAUD PHONE CALLS!

·IRDAI is not involved in activities like selling insurance policies, announcing bonus or

investment of premiums, Public receiving such phone calls are requested to lodge a police complaint.

http://www.adityabirlasunlifeinsurance.com/

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Thank You

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absli life shield plan...s s aditya birla sun life insurance company ltd – 03 0-90 9 absli...

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