Aditya Birla Wealth Aspire Plan

Aditya Birla Wealth Aspire Plan is a Unit Linked Insurance Plan (ULIP) offered by Aditya Birla Sun Life Insurance Company Limited. It combines life insurance protection with the potential for wealth creation through market-linked investments.

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58.9 Million
Registered Consumer
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Insurance Partners
26.4 Million
Policies Sold
Equity (Large, Mid Cap)
Balanced
Debt
Fund Details
Fund Size
NAV
5 Year
7 Year
10 Year
Top 200 Fund
Fund Size: 1,772 Cr
1,772 Cr
157.01 -2.62%
27.3% Highest Returns
21.6%
19.47%
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Virtue II
Fund Size: 2,984 Cr
2,984 Cr
69.78 -1.71%
23.76% Highest Returns
19.2%
17.76%
Get Details
Pure Equity
Fund Size: 2,475 Cr
2,475 Cr
69.85 -1.31%
19.17% Highest Returns
15.58%
16.34%
Get Details
Super Select Equity Fund
Fund Size: 1,271 Cr
1,271 Cr
74.11 -1.36%
18.29% Highest Returns
14.76%
15.89%
Get Details
Growth Opportunities Plus Fund
Fund Size: 980 Cr
980 Cr
67.98 -0.77%
18.97% Highest Returns
16.09%
15.65%
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Pure Stock Fund
Fund Size: 6,541 Cr
6,541 Cr
143.91 -1.46%
18.39% Highest Returns
15.15%
15.52%
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Large Cap Equity Fund
Fund Size: 2,593 Cr
2,593 Cr
66.31 -0.50%
20.36% Highest Returns
17.55%
15.21%
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Frontline Equity Fund
Fund Size: 3,438 Cr
3,438 Cr
62.47 -0.98%
18.48% Highest Returns
15.3%
14.97%
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Grow Money Plus Fund
Fund Size: 433 Cr
433 Cr
64.11 -0.73%
17.68% Highest Returns
15.6%
14.91%
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Whole Life Aggressive Growth Fund
Fund Size: 773 Cr
773 Cr
80.68 -1.00%
17.42% Highest Returns
15.16%
14.61%
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Build India Fund
Fund Size: 40 Cr
40 Cr
57.38 -0.62%
16.51% Highest Returns
14.69%
14.37%
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Equity Top 250 Fund
Fund Size: 565 Cr
565 Cr
55.97 -0.73%
16.28% Highest Returns
13.17%
14.06%
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Accelerator Fund
Fund Size: 231 Cr
231 Cr
44.77 -0.77%
18.71% Highest Returns
15.36%
13.78%
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Top 50 Fund
Fund Size: 281 Cr
281 Cr
86.86 -0.74%
17.48% Highest Returns
15.44%
13.7%
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Equity Growth Fund II
Fund Size: 4,823 Cr
4,823 Cr
67.62 -0.55%
15.24% Highest Returns
13.42%
13.49%
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Future Apex Fund
Fund Size: 89 Cr
89 Cr
51.27 -0.89%
17.76% Highest Returns
14.78%
13.37%
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Blue Chip Fund
Fund Size: 8,793 Cr
8,793 Cr
47.03 -0.47%
14.83% Highest Returns
13.33%
12.85%
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Growth Super Fund
Fund Size: 13,855 Cr
13,855 Cr
74.81 -0.87%
15.26% Highest Returns
13.89%
12.72%
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Maximiser
Fund Size: 2,938 Cr
2,938 Cr
62.59 -0.70%
15.52% Highest Returns
13.7%
12.71%
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Multi Cap Growth Fund
Fund Size: 19,262 Cr
19,262 Cr
49.68 -0.51%
13.98% Highest Returns
10.89%
12.51%
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Equity Fund
Fund Size: 67,910 Cr
67,910 Cr
187.79 -1.74%
14.91% Highest Returns
13.02%
12.42%
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Equity Large Cap Fund
Fund Size: 496 Cr
496 Cr
52.44 -0.44%
13.91% Highest Returns
11.88%
12.22%
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Enhancer Fund-II
Fund Size: 935 Cr
935 Cr
51.97 -0.49%
14.59% Highest Returns
13.03%
12.16%
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Bluechip Equity Fund
Fund Size: 1,072 Cr
1,072 Cr
41.71 -0.32%
16.35% Highest Returns
14.22%
12.16%
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Super 20
Fund Size: 1,972 Cr
1,972 Cr
59.84 -0.52%
14.62% Highest Returns
13.67%
12.02%
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Future Opportunity Fund
Fund Size: 72 Cr
72 Cr
39.44 -0.66%
16.32% Highest Returns
13.53%
11.99%
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Bluechip Fund
Fund Size: 4,457 Cr
4,457 Cr
42.5 -0.32%
14.16% Highest Returns
12.37%
11.94%
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Magnifier
Fund Size: 1,275 Cr
1,275 Cr
114.67 -1.19%
13.92% Highest Returns
12.36%
11.89%
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Maximiser Fund V
Fund Size: 56,434 Cr
56,434 Cr
49.98 -0.42%
14.86% Highest Returns
12.46%
11.71%
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Value & Momentum
Fund Size: 671 Cr
671 Cr
45.19 -0.99%
16.1% Highest Returns
10.16%
11.28%
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Future Maximize Fund
Fund Size: 92 Cr
92 Cr
50.2 -0.68%
14.47% Highest Returns
12.14%
11.09%
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Growth Plus Fund
Fund Size: 558 Cr
558 Cr
33.81 -0.33%
12.27% Highest Returns
10.53%
10.7%
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Equity II Fund
Fund Size: 3,467 Cr
3,467 Cr
38.45 -0.37%
12.53% Highest Returns
10.8%
10.59%
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Blue-Chip Equity Fund
Fund Size: 1,113 Cr
1,113 Cr
32.66 -0.26%
12.2% Highest Returns
11.51%
10.14%
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Growth Fund
Fund Size: 8,660 Cr
8,660 Cr
100 -0.41%
11.1% Highest Returns
9.89%
9.65%
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Fund Details
Fund Size
NAV
5 Year
7 Year
10 Year
Whole Life Stable Growth Fund
Fund Size: 247 Cr
247 Cr
55.68 -0.44%
13.92% Highest Returns
12.18%
11.99%
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Balanced Fund
Fund Size: 352 Cr
352 Cr
44.11 -0.43%
12.56% Highest Returns
11.04%
11.38%
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Save N Grow Money Fund
Fund Size: 68 Cr
68 Cr
55.42 -0.32%
10.61% Highest Returns
10.3%
10.36%
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Creator
Fund Size: 526 Cr
526 Cr
93.97 -0.61%
10.72% Highest Returns
9.99%
10.34%
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Balancer II
Fund Size: 837 Cr
837 Cr
36.59 -0.38%
11.81% Highest Returns
10.43%
10.23%
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Stable Fund
Fund Size: 22 Cr
22 Cr
32.87 -0.26%
11.89% Highest Returns
10.9%
10.17%
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Multi Cap Balanced Fund
Fund Size: 2,114 Cr
2,114 Cr
38.85 -0.25%
10.71% Highest Returns
9.07%
10.03%
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Managed Fund
Fund Size: 39 Cr
39 Cr
35.34 -0.16%
9.95%
8.75%
9.96% Highest Returns
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Balanced Plus Fund
Fund Size: 2,117 Cr
2,117 Cr
30.1 -0.20%
10.04% Highest Returns
8.87%
9.11%
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Balanced Fund-II
Fund Size: 144 Cr
144 Cr
33.46 -0.18%
9.57% Highest Returns
8.55%
8.88%
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Future Balance Fund
Fund Size: 70 Cr
70 Cr
36.77 -0.36%
10.11% Highest Returns
9.06%
8.87%
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Enhancer
Fund Size: 5,953 Cr
5,953 Cr
99.52 -0.39%
8.44%
7.97%
8.54% Highest Returns
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Cautious Asset Allocator Fund
Fund Size: 33 Cr
33 Cr
31.88 -0.07%
6.41%
6.29%
7.21% Highest Returns
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Fund Details
Fund Size
NAV
5 Year
7 Year
10 Year
Pure Fund
Fund Size: 494 Cr
494 Cr
48.34 -0.81%
17.28% Highest Returns
13.44%
15.3%
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Builder
Fund Size: 242 Cr
242 Cr
85.73 -0.29%
7.91%
7.8%
8.81% Highest Returns
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Whole Life Income Fund
Fund Size: 786 Cr
786 Cr
36.83 -0.04%
6.88%
7.04%
8.1% Highest Returns
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Protector
Fund Size: 302 Cr
302 Cr
61.74 -0.17%
6.8%
6.84%
7.79% Highest Returns
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Debt Fund
Fund Size: 465 Cr
465 Cr
34.91 -0.06%
6.93%
6.87%
7.78% Highest Returns
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Dynamic Gilt Fund
Fund Size: 198 Cr
198 Cr
43.4 -0.08%
6.07%
6.49%
7.77% Highest Returns
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Income Advantage
Fund Size: 825 Cr
825 Cr
38.25 -0.08%
6.78%
6.9%
7.76% Highest Returns
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Conservative Fund
Fund Size: 239 Cr
239 Cr
52.82 -0.12%
7.43%
6.86%
7.73% Highest Returns
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Secure Plus Fund
Fund Size: 337 Cr
337 Cr
30.55 -0.04%
6.82%
6.61%
7.69% Highest Returns
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Steady Money Fund
Fund Size: 76 Cr
76 Cr
37.12 -0.05%
6.22%
6.36%
7.59% Highest Returns
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Dynamic Bond Fund
Fund Size: 1,407 Cr
1,407 Cr
46.88 -0.07%
6.2%
6.39%
7.55% Highest Returns
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Bond Fund
Fund Size: 111 Cr
111 Cr
26.64 -0.03%
6.98%
6.55%
7.5% Highest Returns
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Income Fund
Fund Size: 8,794 Cr
8,794 Cr
29.47 -0.04%
6.02%
6.29%
7.42% Highest Returns
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Secure Fund
Fund Size: 1,016 Cr
1,016 Cr
42.42 -0.06%
6.58%
6.17%
7.36% Highest Returns
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Preserver II
Fund Size: 78 Cr
78 Cr
26.82 -0.04%
6.21%
6.03%
6.97% Highest Returns
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Assure
Fund Size: 276 Cr
276 Cr
42.65 -0.04%
6.05%
6.4%
6.92% Highest Returns
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Protector II
Fund Size: 762 Cr
762 Cr
27.32 -0.04%
5.92%
5.62%
6.76% Highest Returns
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Whole Life Short-Term Fixed Income Fund
Fund Size: 230 Cr
230 Cr
32.4 -0.02%
5.71%
6.06%
6.71% Highest Returns
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Future Income Fund
Fund Size: 81 Cr
81 Cr
34.1 -0.05%
5.19%
5.35%
6.66% Highest Returns
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Money Market Fund
Fund Size: 390 Cr
390 Cr
32.63 -0.01%
5.11%
5.53%
6.33% Highest Returns
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Liquid Plus
Fund Size: 267 Cr
267 Cr
21.54 0.00%
5%
5.5%
6.12% Highest Returns
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Dynamic Floating Rate Fund
Fund Size: 20 Cr
20 Cr
35.6 -0.01%
4.83%
5.15%
5.99% Highest Returns
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Bond Fund-II
Fund Size: 68 Cr
68 Cr
25.49 -0.03%
5.06%
4.39%
5.99% Highest Returns
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Liquid Fund
Fund Size: 74 Cr
74 Cr
74.2 -0.01%
4.41%
4.75%
5.5% Highest Returns
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Safe Money Fund
Fund Size: 61 Cr
61 Cr
23.21 -0.01%
4.07%
4.46%
5.22% Highest Returns
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Grow Your Wealth!

Best ULIP Funds - Consider the best performing ULIP funds to invest in 2024 with Policybazaar. Find the list of best ULIP funds in India on the basis of Returns, Latest Nav, Fund Size and Categories

Data source : value research

Returns as on 14-07-2024. The returns are the returns of best-performing fund in the plan

What is Aditya Birla Wealth Aspire Plan?

The ABSLI Wealth Aspire Plan is a non-participating unit-linked life insurance plan, where the investment risk in the chosen segregated funds is borne by the policyholder.

  • Classic Option: The higher of Sum Assured or Policy Fund Value is paid in case of the life insured's unfortunate death during the policy term.

  • Assured Option: Sum Assured is payable on the death of the life insured, and the policy continues till maturity. Future premiums are paid by the insurer from the Policy Fund Value.

Investment Options:

Smart, Systematic Transfer, Return Optimiser, and Self-Managed Options are available for investment, catering to different risk profiles and preferences.

What are the Features of Aditya Birla Wealth Aspire Plan?

Here are the key features of Aditya Birla Wealth Aspire Plan:

  • Flexibility in premium payments: Choose to pay your premiums monthly, quarterly, half-yearly, or yearly.

  • Investment choice: Select from 4 investment options (equity, debt, hybrid, and balanced) to suit your risk appetite and financial goals.

  • Partial withdrawals: Access up to 20% of the fund value per year to meet unforeseen needs.

  • Top-up Facility: Increase your savings by adding top-ups whenever you have surplus funds.

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People Also Read: Birla Sun Life ULIP Plans

What is the Eligibility for Aditya Birla Wealth Aspire Plan?

Criteria  Classic Option  Assured Option
Entry Age  Minimum – 30 days
Maximum – 
For 5 Pay: 50 years
For 6 Pay & 7 Pay: 55 years
For 8 Pay & above: 65 years
Minimum - 18 years
Maximum - 
For 5 to 8 Pay: 45 years
 For 9 Pay & above: 50 years
Maturity Age  For 5 to 7 Pay: 18 to 70 years
For 8 Pay and above: 18 to 75 years
28 to 60 years
Policy Term  Minimum – 10 years
Maximum – 40 years
Premium Paying Term (PPT) 5 to 40 years
Minimum Basic Sum Assured ₹40000 for annual mode
₹45000 for semi-annual mode
₹50000 for quarterly and monthly mode
₹500,000 p.a. if the age at ent is between 61 to 65 years, both inclusive.
Minimum Sum Assured ₹4,00,000
Top-up Premium Minimum ₹5,000

What are the Benefits of Aditya Birla Wealth Aspire Plan?

Benefits of the Aditya Birla Wealth Aspire Plan are:

  • Wealth Creation: Unit Linked Insurance Plan (ULIP) for potential wealth growth through market-linked investments.

  • Life Cover: Provides life cover during the policy term.

  • Flexibility: Choose from various plan options, premium terms, investment options, and riders.

  • Guaranteed Additions: Get rewarded for policy continuance with additional units.

  • Maturity Benefit: Receive the fund value accumulated and the sum assured on maturity.

  • Death Benefit: Higher of sum assured, fund value, or 105% of premiums paid in case of death.

  • Partial Withdrawals: Access funds during the policy term for emergencies.

  • Tax Benefits: Premiums qualify for tax deductions under Income Tax Act.

How Does Aditya Birla Wealth Aspire Plan Work?

To buy the Aditya Birla Wealth Aspire Plan, one has to make the following choices

  • Plan Option: This determines the death benefit:

    • Classic Option: Higher of Sum Assured or Policy Fund Value is paid to your nominee/policyholder if you pass away during the policy term.

    • Assured Option: Sum Assured is guaranteed on death, and the policy continues till maturity with premiums paid by the insurer.

  • Basic Premium: This is your annual commitment, excluding taxes and riders.

  • Basic Sum Assured: This is the minimum death benefit, equal to 10 times your annual premium.

  • Pay Mode: Choose how you want to pay your premium (monthly, quarterly, semi-annual, or annual).

  • Investment Options: Decide where your money goes:

    • Smart Option: Automatically adjusts your investment mix based on age and risk profile.

    • Systematic Transfer Option: Gradually shifts investments from equity to debt as maturity nears.

    • Return Optimiser Option: Balances equity exposure with downside protection.

    • Self-Managed Option: Gives you full control over your investments.

  • Top-up Premiums: You can invest extra anytime (except the last 5 policy years) with a minimum of Rs. 5,000. This adds to your Sum Assured and Fund Value.

Fund Values:

  • Basic Fund Value: Represents the value of your basic premium investments.

  • Top-up Fund Value: Represents the value of your additional top-up investments.

  • Policy Fund Value: Combines both Basic and Top-up Fund Values, reflecting your total investment value.

People also read: What is ULIP

Riders Available Under the Aditya Birla Wealth Aspire Plan

The Aditya Birla Wealth Aspire Plan allows you to enhance your basic coverage by attaching optional riders at an additional cost.

  • ABSLI Accidental Death Benefit Rider Plus (UIN: 109A024V01): Provides additional protection in case of death.

  • ABSLI Waiver of Premium Rider (UIN: 109A039V01): Waives future premiums in case of permanent disability due to illness, accident, critical illness, or death.

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Exclusion Under the Plan

If the insured individual passes away by suicide within 12 months from the policy's start or revival, the nominee or beneficiary is entitled to the Policy fund value as of the date of death notification. Additionally, any charges, excluding Fund Management Charges (FMC), incurred after the date of death will be included back into the Policy fund value as of the date of death notification.

Additional Details of the Plan

Additional details about the Aditya Birla Wealth Aspire Plan:

  1. Policy Discontinuance:

    • A grace period of 30 days (15 days for monthly premium payments) to pay due premiums, ensuring continuity of benefits with charges deduction.

  2. Free-look Period:

    • Right to return policy within 15 days (30 days for distance marketing policies) if unsatisfied with terms.

    • Refund includes Policy fund value, non-allocated premiums, and cancellation charges.

    • Refund amount reduced by proportionate risk premium, medical exam expenses, and stamp duty charges.

  3. Current Tax Benefits:

    • Tax benefits under Section 80C and Section 10(10D) of the Income Tax Act, 1961, subject to fulfilment of conditions.

    • Policy proceeds are subject to TDS under Section 194DA if conditions under Section 10(10D) aren't met.

  4. Loans:

    • Policy loans are not permitted under this plan.

People also read: ULIP Calculator

Conclusion

The ABSLI Wealth Aspire Plan presents a comprehensive solution for individuals seeking to secure their financial future while maximising investment opportunities. By empowering policyholders to navigate market fluctuations while safeguarding against uncertainties, the ABSLI Wealth Aspire Plan is a reliable instrument for long-term wealth accumulation and protection.

FAQ's

  • Can I make withdrawals from my ULIP after the initial 5 years?

    Withdrawals from ULIPs are permitted only following a 5-year lock-in period, provided all SIP premiums have been regularly paid during this duration.
  • Is this plan specifically for smokers?

    This plan is available to both smokers and non-smokers.
  • What exactly is the Policy Fund Value?

    The Policy Fund Value in this plan comprises the combined Basic Fund Value and, if applicable, Top-Up Fund Value. It reflects the total worth of your investments to date, calculated as the sum of all units allocated to your chosen segregated fund/s, multiplied by the prevailing unit price.

*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 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.

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