Birla Sun Life Insurance Company Limited (BSLI)is a joint venture between the Aditya Birla Group and Sun Life Financial Inc., one of the leading international financial services companies from Canada. The insurance company provides comprehensive Unit Linked Insurance Plans (ULIPs) solutions that seamlessly combine life insurance with market-linked returns.
Returns as on 21-09-2026. The returns are the returns of best-performing fund in the plan
Disclaimer : ˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s
insurer partners offering life insurance investment 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.inRead MoreRead Less
Key Features of Birla Sun ULIP Plans
Flexibility:
You can customise your ULIP plan investment strategy based on your risk appetite.
Dual Benefit:
It combines life insurance coverage with market-linked returns.
Top-up Option:
Additional contributions are allowed to enhance your investment.
Switching Options:
You can move funds between equity, debt, and balanced funds.
Partial Withdrawals:
Allows access to funds after a five-year lock-in period for financial needs.
Tax Benefits:
Enjoy tax benefits under Sections 80C and 10(10D) provisions.
Transparency:
The company provides clear information on charges and fund performance.
Maturity Benefit:
You receive fund value at maturity, which enhances wealth creation.
Fund Options:
You can choose from diverse fund options based on your financial goals.
Rider Benefits:
The plans allow additional riders for added protection and coverage.
Lock-in Period:
Birla Sun Life ULIPs ensure disciplined long-term compounding growth benefits.
Why Invest in India's Growth Story?
India remains one of the world's fastest-growing major economies with increasing incomes, growing digitalisation, infrastructure development and improving financial markets. A further sign of the country's long-term growth prospects is the rising consumer involvement in investment and financial services.
The Indian insurance industry has also been a key driver of this growth trend and the domestic market has shown a CAGR of 17% in the last 20 years. The sector is expected to grow to ₹19,30,290 crore (US$ 222.0 billion) by FY26, with increased financial awareness.
Birla Sun Life ULIP Plans give investors a chance to tap into this growth and also get life cover. These plans may help you achieve your wealth goal in a disciplined way with systematic investment and market-like returns.
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How Much Historical Returns are Provided by the Plans?
Investment Scenario
Investment Amount:
₹20,000/month
Invest for:
15 years
Withdraw after:
20 years
Plan Type:
Market-Linked ULIP
Scenario 1:
Returns @ 4%
Plan name
Estimated Maturity Value
Assumed Return Rate
ABSLI Wealth Infinia Plan
₹50.9 L
4%
ABSLI Fortune Wealth Plan
₹49.8 L
4%
ABSLI Wealth Smart Plus
₹48.9 L
4%
ABSLI Wealth Aspire Plan
₹48.1 L
4%
ABSLI Salaried Suraksha ULIP
₹47.6 L
4%
ABSLI Platinum Gain Plan
₹47.1 L
4%
ABSLI Param Suraksha
₹46.8 L
4%
ABSLI Wealth Secure Plan
₹46.3 L
4%
ABSLI Wealth Max Plan
₹45.9 L
4%
Her Growth - ULIP Plan for Women
₹45.5 L
4%
Scenario 2:
Returns @ 8%
Plan name
Estimated Maturity Value
Assumed Return Rate
ABSLI Wealth Infinia Plan
₹81.4 L
8%
ABSLI Fortune Wealth Plan
₹79.2 L
8%
ABSLI Wealth Smart Plus
₹76.8 L
8%
ABSLI Wealth Aspire Plan
₹75.4 L
8%
ABSLI Salaried Suraksha ULIP
₹74.2 L
8%
ABSLI Platinum Gain Plan
₹73.1 L
8%
ABSLI Param Suraksha
₹71.9 L
8%
ABSLI Wealth Secure Plan
₹71.2 L
8%
ABSLI Wealth Max Plan
₹70.8 L
8%
Her Growth - ULIP Plan for Women
₹69.9 L
8%
Note:The actual returns will be subject to varying market conditions, fund performance, policy and mortality charges and investment duration. Since each ABSLI ULIP has different policy charges, mortality costs, fund management charges, and wealth booster features, the final projected maturity values vary across plans.
Benefits of Birla Sun Life ULIP Plans
Long-Term Wealth Creation:
These plans provide an opportunity to build wealth over the long term through disciplined investing in market-linked investments.
Life Insurance Protection:
They offer your family financial security in the form of life cover for the duration of the policy term.
Choice of Investment:
Investors can choose to invest in equity, debt or balanced funds as per their financial objectives and risk appetite.
Tax Saving Benefits:
Premiums paid and eligible maturity benefits may qualify for tax benefits under applicable tax laws.
Liquidity Through Partial Withdrawals:
Partial withdrawal options after the lock-in period help manage planned or emergency financial needs.
Fund Switching Flexibility:
Policyholders can switch between available funds to align investments with changing market conditions and financial objectives.
List of Birla Sun Life ULIP Plans
Birla Sun Life offers a range of ULIP plans designed to meet different investment goals, protection needs, and financial planning objectives. The table below provides a quick comparison of some of the popular Birla Sun Life ULIP Plans.
Classic Option: 30 days - 65 years Assured Option: 18 - 50 years
Classic Option: 70/75 years Assured Option: 60 years
5 - 40 years
10 - 40 years
₹40,000 (Annual) ₹45,000 (Semi-annual) ₹50,000 (Quarterly/Monthly)₹5,00,000 p.a. for entry age 61-65 years
View plan
Her Growth - ULIP Plan for Women
18
40
NA
NA
NA
View plan
Invest More Get More!
YOU GET
₹ 1 Crore *
YOU INVEST
₹ 10K/ month
YOU GET
₹ 80 Lakhs *
YOU INVEST
₹ 8K/ month
YOU GET
₹ 50 Lakhs *
YOU INVEST
₹ 5K/ month
Details of Birla Sun Life ULIP Plans
Various Birla Sun Life Investment Plans portfolios support different financial objectives, investment goals, and long-term wealth creation needs. The following are the currently active ULIP plan variants:
Her Growth - ULIP Plan for Women
Her Growth is a women-focused ULIP plan that has market-linked wealth creation features with life insurance protection.
Key Features of- Her Growth - ULIP Plan for Women:
High Life Insurance:
It has coverage up to 30 times the annual premium.
Women's Critical Care:
The plan protects against women-specific cancers and autoimmune disease risks.
Systematic Withdrawal:
It gives periodic withdrawals without disturbing long-term investment growth.
Multiple Investment Options:
Five investment strategies and nineteen fund options create portfolio flexibility.
Inflation Beating Wealth:
Long-term returns may support wealth creation beyond inflation levels.
ABSLI Param Suraksha
ABSLI Param Suraksha is a ULIP protection plan that ensures strong insurance securing the family's financial needs against uncertainties.
Key Features of ABSLI Param Suraksha:
Flexible Policy Terms:
Multiple premium payment options and customisable policy durations suit different financial goals.
Wealth Accumulation Growth:
Grows a corpus of wealth over time by making proper investments in a disciplined manner.
Market Linked Growth:
Invests in funds benefiting from equity and debt markets.
Premium Payment Flexibility:
Allows convenient payment frequencies matching income and budgeting needs.
ABSLI Wealth Smart Plus
ABSLI Wealth Smart Plus focuses on life insurance protection with market-linked investment opportunities.
Key Features of ABSLI Wealth Smart Plus:
Smart vs Whole Life:
Choose flexible variants matching long-term protection and goals.
Market Wealth Growth:
Invests premiums in funds for long-term capital appreciation.
Partial Withdrawal Access:
The plan allows fund access after lock-in for emergencies or needs.
Multiple Fund Choices:
Diverse investment funds support varying risk appetites and goals.
Top-Up Facility:
Enables extra investments to boost overall wealth accumulation growth.
ABSLI Salaried Suraksha ULIP
ABSL Salaried Suraksha ULIP is a market-linked investment and life insurance plan. It is suitable for investors who would like to invest in a systematic manner and at the same time want life insurance cover.
Key Features of ABSLI Salaried Suraksha ULIP:
Salaried Focus:
The structure is aligned for salaried persons.
Market Wealth Growth:
Invests in funds aiming for long-term capital appreciation benefits.
Flexible Policy Terms:
Provides adjustable premiums and policy durations for investors.
Protection Investment Combo:
Life insurance coverage works alongside wealth-building opportunities.
High Cover Planning:
Long-term financial security receives support through substantial life cover options.
Aditya Birla Sun Life ULIP Plan – Fortune Wealth Plan
The Aditya Birla Sun Life Fortune Wealth Plan is a Unit Linked Insurance Plan (ULIP) that offers you both life insurance coverage and the potential for market-linked returns.
Key Features of Birla Sun Life ULIP Plan – Fortune Wealth Plan:
Plan Choice Options:
Select Classic or Assured variants matching financial growth objectives.
Flexible Policy Terms:
Policy duration and premium payment terms can be customised to individual preferences.
Guaranteed Additions Benefit:
Additional guaranteed units strengthen long-term fund value growth.
Emergency Withdrawal Access:
Allows partial withdrawals during emergencies without policy surrender requirements.
Tax Saving Benefits:
Offers deductions and tax-free claims under applicable income tax laws.
Multiple Investment Options:
Provides five strategies and eighteen funds matching financial objectives.
Aditya Birla Sun Life ULIP Plan – Platinum Gain Plan
The Aditya Birla Sun Life ULIP Plan – Platinum Gain Plan is a unit-linked, non-participating individual life insurance plan that offers a combination of life insurance coverage and the potential for wealth creation through market-linked investments.
Key Features of Birla Sun Life ULIP Plan – Platinum Gain Plan:
Flexible Premium Bands:
Different premium options align with affordability and financial goals.
Life Cover Choices:
Seven-times or ten-times sum assured multiples create flexibility in protection planning.
Charge Reversal Benefits:
Mortality and allocation charges return to the fund value under specified conditions.
Enhanced Maturity Value:
Deducted charges are added back to the fund after successful premium completion.
Loyalty Additions:
Periodic additions support long-term investment growth.
Tax Advantages:
Eligible deductions and tax-free maturity benefits apply under prevailing tax regulations.
Diverse Investment Funds:
Five strategies and eighteen fund options support investment flexibility.
Aditya Birla Sun Life ULIP Plan – Wealth Infinia Plan
Aditya Birla Sun Life Wealth Infinia is a Unit Linked Insurance Plan (ULIP) that offers a combination of life insurance protection and market-linked investment. The returns on your investment are linked to the performance of the markets.
Key Features of Birla Sun Life ULIP Plan – Wealth Infinia Plan
Charge Return Benefits:
Allocation and mortality charges return to the fund value under eligible conditions.
Systematic Withdrawal Option:
Regular withdrawals support ongoing financial requirements.
Wealth Boosting Features:
Loyalty additions and wealth boosters contribute towards long-term corpus growth.
Multiple Investment Strategies:
Five strategies and sixteen fund choices align with different investment goals.
Loyalty Rewards:
Additional fund value credits recognise timely premium payments.
Periodic Wealth Enhancements:
Extra units are credited every five years after the tenth policy year.
Maturity Charge Reversal:
Deducted charges return at maturity after successful premium completion.
Birla Sun Life ULIP Plan – Wealth Max
Birla Sun Life Wealth Max Plan is a single-premium Unit Linked Insurance Plan (ULIP) offered by Aditya Birla Sun Life Insurance (ABSLI). It provides life cover along with the potential for market-linked returns.
Key Features of Birla Sun Life ULIP Plan – Wealth Max Plan:
Single Premium Structure:
A one-time investment supports long-term wealth creation and protection goals.
Guaranteed Additions:
Additional units contribute towards long-term fund value enhancement.
Top-Up Investment Facility:
Extra investments support changing financial goals over time.
Strategic allocation methods support risk management during market volatility.
Self-Managed Investment Control:
Investors can independently allocate funds across available options.
Policy Continuance Rewards:
Additional units recognise long-term policy continuation.
Birla Sun Life ULIP Plan – Wealth Secure
Birla Sun Life Wealth Secure Plan is a unit-linked insurance plan (ULIP) that offers a combination of life insurance cover and investment.
Key Features of Birla Sun Life ULIP Plan – Wealth Secure Plan:
Limited Whole Life:
Offers lifelong coverage with limited premium payment flexibility benefits.
Diverse Investment Options:
Provides three investment choices matching financial goals and risk preferences.
Guaranteed Additions Benefit:
Rewards long-term commitment through additional guaranteed investment units regularly.
Flexible Top-Up Facility:
Allows additional investments, enhancing overall policy value over time consistently.
Strategic Investment Management:
Professionally manages portfolio allocations according to changing risk profiles effectively.
Easy Market Participation:
Enables systematic investing without worrying about market timing risks regularly.
Self-Managed Control:
Provides complete fund selection flexibility across sixteen available investment funds.
Policy Continuance Rewards:
Offers additional units rewarding continued commitment towards long-term policy tenure.
Birla Sun Life ULIP Plan – Wealth Aspire
The Birla Sun Life Wealth Aspire Plan is a Unit Linked Insurance Plan (ULIP) that offers both life insurance protection and the potential for wealth creation through market-linked investment.
Key Features of Birla Sun Life ULIP Plan – Wealth Aspire Plan:
Flexible Premium Duration:
Premium payment terms range from five to forty years.
Additional Investment Flexibility:
Top-up investments support changing savings capacity and financial goals.
Emergency Withdrawal Access:
Partial withdrawals remain available during urgent financial situations.
Multiple Investment Strategies:
Different investment approaches align with varying goals and risk appetite.
Tax Benefits:
Eligible deductions and tax-free payouts remain applicable under prevailing tax laws.
Why Buy an Birla Sun Life ULIP Plans from Policybazaar?
Over 9 lakh customers have invested ₹12,400 Cr through Policybazaar
No hidden charges. All costs and returns are clearly disclosed
Certified advisors provide unbiased guidance based on your needs
IRDAI-regulated, ensuring advice is in the customer’s interest
The suitability of Birla Sun Life ULIP (Unit Linked Insurance Plan) for a 5-year period depends on your individual financial goals, risk tolerance, and investment horizon. ULIPs are typically designed for long-term investment, and a 5-year horizon might be considered relatively short for this type of insurance-cum-investment product.
What is the return of Birla Sun Life ULIP in 10 years?
The returns of Aditya Birla Sun Life ULIP Plans for 10 years lie between 10% - 21.50% p.a.
What is the full form of Aditya Birla ULIP?
Aditya Birla ULIP stands for Unit Linked Insurance Plan offered by Aditya Birla Life Insurance Limited. It is a type of financial product that combines life insurance coverage with investment opportunities.
How to pay premium? What are the modes of payment available?
You can pay your Birla Sun Life Insurance premium through any of the following methods:
No Cash Payment is Accepted
Online Payment- Debit/credit or NEFT
Cheque Payment
ECS SYSTEM
Step 1: Enter your policy details – policy number and policyholder's date of birth
Step 2: Select your payment method- debit/ credit card or NEFT to pay the premium
Step 3: Authenticate and confirm your payment details and print online payment receipt
How can I check policy status for Birla Sun Life ULIP plans?
For all Birla Sun Life Insurance policyholders, online checking of policy status is available.
To check the policy status online, log into the e-portal with your Client ID and password.
What is the policy renewal process for Birla Sun Life ULIP plans?
The process of Online Policy Renewal facility is as follows:
Step 1:Log in to the e-Portal with your valid credentials
Step 2:Use the mode of payment to renew your policy
Step 3:Print the payment receipt
What is the company’s process to settle claims for Birla Sun Life ULIP plans?
The claims must be lodged after 30 days of the expiry of a medical diagnosis or treatment. This process involves a written intimation by the beneficiaries to the claims department, duly signed by the Municipal Authority/Magistrate.
Upon receiving the application, Claims Department sends the claimant a required set of documents including claim forms to be duly filled and sent back for processing the same.
What is the policy cancellation process for Birla Sun Life ULIP plans?
The Birala Sun Life Insurance policyholders must attach all the relevant policy documents along with a duly filled surrender form at any of the branch locations in their city. The surrender value will be calculated as per the prevailing market rates if the form is submitted before 3:00 PM, else the next day’s value is applicable.
"Wonderful policy i have got in very low investment i.e., bharti axa life insurance and product is traditional insurance. Policy cover maximum expenditures and claims are high which can be easily sanctioned. Updates of the insurance policy is send by the company regularly to my email address."
VV
Varun
Kota, January 16, 2025
Good Investment
"The policy i have is birla sun life traditional policy plan which is very good and the premiums are low with high in policy coverage 95%. The claiming part is very easy because the service is very fast with good response from the staff members. Good investment, i like it."
TB
Tarun
Darjeeling, January 16, 2025
Better Plan
"My traditional policy plan is fantastic which i buy from birla sun life insurance. The policy coverage is 91% and the policy claims are high. The policy claims are easily sanctioned due to fast services provided by the executives and the staff members. The policy is good future investment which saves taxes too."
AS
Akrosh
Kaushambi, January 16, 2025
Policy coverage is good
"I have birla sun traditional insurance policy plan. The policy coverage is 89% and the claims are high. The premiums are low and the paybacks are high. The services are very good and always on time. The executives and staff members behave well and they solved every problem."
DS
Devesh
Gautam_buddha_nagar, January 16, 2025
Good Service
"Birla sun traditional insurance policy plan is good and very responsive from the members of the company. The paybacks are good and easily done because the services are good provided by the executives. The premiums are low. Good future investment which saves taxes also. Nice policy plan."
JK
Jayant
Agartala, January 16, 2025
Good Plan
"Birla sun life insurance is one of the best insurance company. I took traditional insurance policy plan which provide me good service and high returns. The premiums are low and the policy coverage is 82% with high claims. The behaviour is good from executives and staff members. Nice insurance plan."
RS
Ranvir
Puducherry, January 16, 2025
Trusted insurance Plan
"I purchased birla sun traditional insurance policy at very low price. The service facilitated to me is fantastic and on time always. Policy coverage is high and claims are high. Claims are easy to sanctioned due to fast service which is given by the staff members."
AG
Abhishek
Chittoor, January 16, 2025
Fantastic Policy Plan
"My traditional insurance policy plan is good with great facilities. Birla sun life insurance you guys are superb, your service is like super sonic speed. Premiums are low and the policy coverage is 94% with good claims. Executives and staff members are doing there work very good. Good experience with you guys. I like the plan."
AN
Ananta
Silchar, January 16, 2025
Bought Birla Sun Life Insurance plans
"Thanks to Policybazaar I could actually buy my first insurance online. The online experience with Policybazaar was great. I bought Birla sun life insurance and recommended it for its best value for money. "
GS
Gagan
Kurukshetra, January 16, 2025
superb plan
"Superb policy by birla sun traditional insurance policy plan. The returns are good ~Rs.27 L in very low premiums ~Rs.19 K quarterly per year. Service is fast which facilitate by executives and all company members with nice behaviour and quick response. I like my policy plan."
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
Tax benefit is subject to changes in tax laws
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
#The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CAGR 8%; ₹50,45,591 @ CAGR 4%. *Tax benefits and savings are subject to changes in tax laws. All plans listed here are of insurance companies’ funds. The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.
˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment 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
