Aditya Birla Sun Life Insurance

ABSLI is one of the leading life insurance companies in India. It falls under Aditya Birla Capital Limited. It was formed in 2000 and stands on the joint venture platform between the Aditya Birla Group and Sun Life Financial of Canada. A host of life insurance schemes offered by this insurance company are planned to fulfill one's long-term financial security. A range of insurance policies that the Company deals in comprises term insurance, savings plans, investment-linked policies, retirement plans, and child-focused plans.

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Aditya Birla Sun Life Insurance: Policy Details, Premium & Benefits

Aditya Birla Sun Life Insurance

ABSLI is one of the leading life insurance companies in India. It falls under Aditya Birla Capital Limited. It was formed in 2000 and stands on the joint venture platform between the Aditya Birla Group and Sun Life Financial of Canada. A host of life insurance schemes offered by this insurance company are planned to fulfill one's long-term financial security. A range of insurance policies that the Company deals in comprises term insurance, savings plans, investment-linked policies, retirement plans, and child-focused plans.

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Insurer Highlights
  • Claim Settlement Ratio

    98.65

  • No. of Branches

    443 Branches

  • Claim Settlement Promise

    24 Hours

Why Buy Aditya Birla Sun Life Insurance Plans?

Aditya Birla Sun Life Insurance offers savings and investment options that can help you reach your long-term goals and protect your family's financial future. Here are some reasons why ABSLI is a good choice if you want to protect your money, grow it, or save for retirement:

440+ branches across India offering easy access and support
Coverage includes death due to any pandemic, such as COVID-19.
High claim settlement ratio of 98.65% (FY 2024–25)
Quick online policy purchase, renewal, and claim submission for a hassle-free experience
Backed by the strong legacy of Aditya Birla Group and Sun Life Financial (Canada)
Tax benefits under Sections 80C and 10(10D) of the Income Tax Act
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Aditya Birla Life Insurance Plans

The Aditya Birla Life Insurance company offers different types of insurance plans to fulfil the needs of policy buyers. Let’s look at the term plans offered by Aditya Birla Life Insurance Company:

What Riders Do You Get With Aditya Birla Sun Life Insurance?

Here are the riders that you can add to your existing base life or term insurance plan to avail extra benefits:

Early payout on Terminal illness(free)Extra Payout on Accidental Death(paid)
Cover against accidental disability and death(paid)Cover against 4 critical illness
Cash for hospitalizationSurgical Care
Waiver of Premium
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Critical Illnesses Covered Under Aditya Birla Sun Life Insurance

The Aditya Birla Sun Life Critical Illness Rider protects you from a number of serious health problems, including cancer, heart attack, kidney failure, stroke, and diseases of major organs. If you ever get sick with one of these illnesses, the rider pays you a lump sum that helps you pay for treatment, hospitalization, and your overall recovery without putting a strain on your family's budget. The rider protects you from health problems that are grouped into different levels, like certain kinds of cancer, open-heart surgery (CABG), or diseases of the kidneys, liver, or lungs that are at the end stage.

Cancer of Specified SeverityAlzheimer's DiseaseMyocardial Infarction (First Heart Attack of Specific Severity)
Aplastic AnaemiaOpen Chest CABGMedullary Cystic Disease
Open Heart Replacement or Repair of Heart ValvesParkinson's DiseaseSystemic Lupus Erythematosus - with Coma of Specified Severity
Lupus NephritisKidney Failure Requiring Regular DialysisApallic Syndrome
Stroke Resulting in Permanent SymptomsMajor Surgery of the AortaMajor Organ /Bone Marrow Transplant
Fulminant Viral Hepatitis - resulting in acute liver failurePermanent Paralysis of LimbsPrimary Cardiomyopathy
Motor Neuron Disease with Permanent Muscular Dystrophy - resulting in Symptoms like permanent loss of physical abilitiesMultiple Sclerosis with Persisting SymptomsPoliomyelitis - resulting in paralysis
Benign Brain TumorSporadic Creutzfeldt-Jakob Disease (sCJD)Blindness
Chronic Recurring PancreatitisDeafnessBacterial Meningitis - resulting in persistent symptoms
End Stage Lung FailureChronic Adrenocortical Insufficiency(Addison's Disease)
End Stage Liver FailureLoss of Independent ExistenceLoss of Speech
EncephalitisLoss of LimbsProgressive supranuclear palsy
Major Head TraumaSevere Rheumatoid arthritisPrimary (ldiopathic) Pulmonary Hypertension
SclerodermaThird Degree BurnsSystematic lupus Erythematosus with Renal Involvement
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How Much Term Cover Do You Need?

Selecting the appropriate life insurance will ensure that your family remains financially sound even when you are no longer around. The Human Life Value (HLV) Calculator helps you approximate the optimal amount to be covered for, based on income and age, among other factors. It is advised to take insurance for 15-20 times the annual income.

For example, if you are 30 years old, earn ₹10 lks a year, and don’t currently purchase any life coverage, it is always preferable to opt for a term plan that ranges between 2 to 2.5 cr. This will help your family members take care of everyday needs, loans, as well as education or purchasing a home.

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Choosing the Right Sum Assured with Aditya Birla Sun Life Insurance

It is important to choose the right sum assured to protect your family's financial future. Aditya Birla Sun Life Insurance offers multiple term insurance plans that will meet your requirements. No matter whether you are looking for basic protection or full coverage with additional riders, the company has something for everyone. With the help of the proper insurance, your loved ones will be able to pay for necessities, repay the loans and even maintain their lifestyle in your absence.

Aditya Birla Sun Life1 Crore
Term Insurance
Aditya Birla Sun Life2 Crore
Term Insurance
Aditya Birla Sun Life5 Crore
Term Insurance
Aditya Birla Sun Life75 Lac
Term Insurance
Aditya Birla Sun Life70 Lac
Term Insurance
Aditya Birla Sun Life50 Lac
Term Insurance

Term Insurance Premium Calculator

Our term life insurance calculator in india can help you calculate the following:

Why Buy Aditya Birla Sun Life Insurance Plans?

Aditya Birla Sun Life Insurance Plans provide lifetime financial security and peace of mind. Below are some reasons why you should buy ABSLI plans:

  • Affordable Premiums
    It offers term plans and protection plans that offer high coverage at an affordable cost. Now, you can easily afford high coverage without straining your pocket.

  • Financial Assistance:
    In case something happens to you, your loved ones would be provided either a lump sum or a steady income stream, depending on what kind of plan you choose. This benefit allows them to manage daily expenditures and pay off any existing loans and work towards meeting any other milestone.

  • Coverage that suits your needs:
    Aditya Birla Sun Life Insurance lets you pick what works best for you. With this plan, you can choose how long you want the insurance to last, how you want to pay your premiums, and you can add extra benefits to your plan with riders.

  • Protecting Yourself and Saving Money on Taxes at the Same Time:
    You can also deduct the premiums you pay on Aditya Birla Life Insurance Plans under Section 80C of the Income Tax Act of 1961. Also, the nominee's death benefit is not taxed under Section 10(10D) of the Income Tax Act.

  • Trust and Experience of 20 years:
    With more than 20 years of experience, Aditya Birla Life Insurance Company has gained the trust of its customers. With the backing of Aditya Birla Group, ABSLI has established itself as a trustworthy company with years of experience. 

*Note: You can easily use the term insurance calculator to calculate your term plan's premium amount.

one crore term plan
plus

Term Plans

₹1
Crore

Life Cover

@ Starting from ₹ 13/day+

₹50
LAKH

Life Cover

@ Starting from ₹ 8/day+

₹75
LAKH

Life Cover

@ Starting from ₹ 12/day+

Who Should Get an Aditya Birla Life Insurance Policy?

  • Working Professionals: To make sure your dependents can keep living the way they do even if you're not there.

  • Parents: To make sure your kids can reach their future goals, like going to school, getting married, and other big events.

  • Business Owners: Keep your business going and pay back loans without putting your family or partners in a tough spot.

  • Homeowners: Make sure your family can keep paying the EMIs on their home loan and keep the house.

  • Young People: To get low premiums early and build lifelong financial protection as their responsibilities grow.

one crore term plan

Secure Your Family Future Today

₹1 CRORE

Term Plan Starting @

Get an online discount of upto 15%#

Compare 40+ plans from 15 Insurers

+Standard T&C Applied

How Can I Raise Complaints on Aditya Birla Sun Life Insurance?

Suppose you have any problem regarding your life insurance policy or are unsatisfied with the company's service. In that case, you can file a complaint with Aditya Birla Sun Life Insurance's customer care. Below are the steps to raise a complaint:

  • Step 1: Click on "Give Feedback" on the customer service page. 

  • Step 2: You will be taken to the complaint page, where you need to use the "Click here" link to file your complaint. 

  • Step 3: You will get a response from customer service within 10 days of registering your complaint, or you may get a token number in your registered email. 

 If you are not satisfied, you can visit the Grievance Redressal Office with your token number.

How to Buy Aditya Birla Sun Life Insurance Online from Policybazaar in 2025

Follow the below steps to buy Aditya Birla Life Insurance online from Policybazaar in 2026:

Step 1: Go to the Policybazaar Life Insurance page.

Step 2: Choose the plan like a savings plan, a child plan, a retirement plan, or term insurance.

Step 3: Fill in your name, gender, date of birth, and mobile number.

Step 4: Give additional information like your job type, level of education, smoking status, and yearly income.

Step 5: Once done, check list of Aditya Birla Sun Life Insurance Plans and pick the one that works best for you. Then, pay your premium online.

Life Insurer Details

Documents Required to Buy Aditya Birla Sun Life Insurance

  • You must show proof of identity, like a PAN Card, Aadhaar Card, Passport, Voter ID, or Driving License.

  • You can use your Aadhaar Card, PAN Card, Driving License, Voter ID, or Passport as proof of address.

  • Use KYC Documents to show proof of income: Payslips, ITR/Form 16, bank statements, audited financials (for self-employed people), or a CA certificate 

  • IRDAI KYC rules require businesses, trusts, or HUFs to submit the required registration and identification documents when buying policies.

What is the Claim Settlement Process of Aditya Birla Sun Life Insurance?

The claims process at Aditya Birla Sun Life Insurance is easy and only takes three steps. This makes it easier for the nominee to get help quickly when they need it most.

  • Claim Intimation: The first thing to do is let ABSLI know about the claim as soon as possible after the policyholder dies. You can get in touch with the company by going to their website, calling the toll-free number 1800-270-7000, or sending an email to claims.lifeinsurance@adityabirlacapital.com.

  • Sending in documents: After you file your claim, send in the claim form, the original policy document, the death certificate, proof of the nominee's identity, and any medical or hospital records that are relevant (if any). You can mail these to the claims department or drop them off at a branch.

  • Claim Evaluation and Approval: The company will check all the claim information and papers. Once the claim is checked out, it will be approved, and the money will be sent straight to the nominee's bank account through NEFT.In most cases, ABSLI tries to quickly handle and settle valid claims so that families can get the money they need right away.

What Are The Exclusions In Aditya Birla Sun Life Insurance?

Here are the exclusions in the Aditya Birla Sun Life Insurance:

Suicide: If the policyholder/sum assured commits suicide within 1 year of buying the Aditya Birla Life Insurance policy, his/her nominees will not be able to claim the death benefit.

Note: Check all the best term insurance plan in India.

Note: You should also check the benefits of term life insurance if you are planning to purchase the term insurance plan.

˜The insurers/plans mentioned are arranged in order of highest to lowest Sum Assured(SA) offered by Policybazaar’s insurer partners offering term insurance plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI.

Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in

Rs. 400/month is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

Rs. 400/month (Rs.13/day) is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 230 is starting price for a 50 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 8/day is starting price for a 50 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 12/day is starting price for a 75 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 497/month is starting price for a 1.5 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 487/month is starting price for a 2 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 626/month is starting price for a 3 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 905/month is starting price for a 5 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. ₹360/month is the starting price for a ₹99 lakhs loan cover with an 8% interest rate for an 18-year-old male, non-smoker, with no pre-existing diseases, loan tenure up to 20 years, rounded off to the nearest 10

+Rs. 1,267/month is starting price for a 7 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

*The full refund of premium is available on availing the one-time option of refund of premium. Total premium paid for policy (paid for add-ons) will be the special exit value, payable on availing the one-time option of refund of premium if you wish to completely exit the policy.

+Rs. 447/month is starting price for a 1 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs.679/month is starting price for a 2 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 910/month is starting price for a 3 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 1,374/month is starting price for a 5 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 1,924month is starting price for a 7 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

Women

+Rs. 400/month is Starting price for a 1 crore term life insurance for an 18 year-old Female, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

Rs. 461/month is the starting price for a 1 crore term life insurance for an 24 year-old female, non-smoker, with no pre-existing diseases, cover upto 54 years of age.

1,642/month is the starting price for a 1 crore term life insurance for an 44 year-old female, non-smoker, with no pre-existing diseases, cover upto 74 years of age.

Prices offered by the insurer are as per the approved insurance plans | #All savings and online discounts are provided by insurers as per IRDAI approved insurance plans | Standard Terms and Conditions Apply | **Tax Benefits are subject to changes in tax laws.| Policybazaar Insurance Brokers Private Limited

We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881

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

Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana – 122001 | Registration No. 742, Valid till 09/06/2027, License category- Composite Broker Visitors are hereby informed that their information submitted on the website may be shared with insurers. Product information is authentic and solely based on the information received from the insurers.

© Copyright 2008-2026 policybazaar.com. All Rights Reserved

˜ Policybazaar Promise reflects the guarantee offered by insurers. Price assurance is based on certifications shared by insurers with us.

Types of term plans

Policybazaar offers the following types of term insurance plans to fit the different needs of Individuals from all walks of life.

Choose Term Insurance Plan as per you need

Plans starting from @ ₹473/Month*
Term Insurance
1 Crore Term Insurance
Term Insurance
2 Crore Term Insurance
Term Insurance
4 Crore Term Insurance
Term Insurance
5 Crore Term Insurance
Term Insurance
6 Crore Term Insurance
Term Insurance
7 Crore Term Insurance
Term Insurance
7.5 Crore Term Insurance
Term Insurance
8 Crore Term Insurance
Term Insurance
9 Crore Term Insurance
Term Insurance
15 Crore Term Insurance
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20 Crore Term Insurance
Term Insurance
25 Crore Term Insurance
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30 Crore Term Insurance
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15 Lakh Term Insurance
Term Insurance
60 Lakh Term Insurance
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Aditya Birla Sun Life Insurance Reviews & Ratings

4.5 / 5 (Based on 43 Reviews)
(Showing Newest 10 reviews)
Akhilesh
Madhya Pradesh, July 16, 2024
Bajaj Life Made Simple
Policybazaar made buying Bajaj Life term insurance simple. Their website is user friendly and the support team was very helpful
Pragya
B.khajuripada, March 31, 2021
Beneficial product
The term insurance which I bought from the birla sun life insurance is one of the best plan I have got. It was done from the website of the policybazaar. I really like the offers and the plans are really beneficial for me and my family. I am thankful to both the team. Thanks.
Shilpa
Rohinaa, March 30, 2021
A great financial services
I have recently got the term insurance plan from the website of the policybazaar. It was the plan of birla sun life insurance. This company is good and have been providing with a lot of better services to me and my family. Thanks team.
Dev
Ambaliyasan, March 30, 2021
Beneficial product
The term insurance which I bought from the birla sun life insurance is one of the best plan I have got. It was done from the website of the policybazaar. I really like the offers and the plans are really beneficial for me and my family. I am thankful to both the team. Thanks.
Jasveer
Auraiya, March 22, 2021
A great financial services
I have recently got the term insurance plan from the website of the policybazaar. It was the plan of birla sun life insurance. This company is good and have been providing with a lot of better services to me and my family. Thanks team.
Ankur
Kopargaon, March 16, 2021
Different plans at best price
I bought a birla sun life insurance plan and it is reasonable in nature. I have got amazing offer when I took this plan last year. I bought this plan from the website of the policybazaar. Thanks a lot team.
Gauhar
Kakanad, March 16, 2021
Provide financial stability
Recently I bought a birla sun life insurance plan online from the website of the policybazaar. It has given me the sense of financial stability and happiness. I can now save something in the future for my loved ones. Thanks team.
Bhoomi
Avarikarai, March 09, 2021
Different plans at best price
I bought a birla sun life insurance plan and it is reasonable in nature. I have got amazing offer when I took this plan last year. I bought this plan from the website of the policybazaar. Thanks a lot team.
Ahuja
Buxar, March 08, 2021
Great plans
I have recently bought a birla sun life insurance policy from the website of the policybazaar. It is indeed one of the best plan I have got. I am happy and peaceful to buy such a good plan. Thank you team.
Avinash
Maandhata, February 16, 2021
Beneficial plan:
I have recently bought a term insurance plan from the policybazaar. It was of aditya birla sun life insurance and that plan is superb. I got to know about various benefits in one plan. Thanks a lot team.
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