Aditya Birla Sun Life Insurance Review

“I wasn't looking for fancy features when I started looking for life insurance. I wanted something that would work, something my family could count on even if I wasn't there. After looking at different plans and companies, I chose Aditya Birla Sun Life Insurance. The terms of the policy were clear and easy to understand, the premiums were fair, and the customer service was great. That clarity is what finally made me believe”.— Rohit

51 Partners Insurance Partners

12.02 Crore Registered Consumer

5.9 Crore Policies Sold

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About Aditya Birla Sun Life Insurance

Aditya Birla Sun Life Insurance company is typically considered as a credible and reliable insurance company in India 2026. This company is known for its comprehensive range of plans, high claim settlement ratios, and flexible plan options.

Let’s read about this company in detail:

Aditya Birla Sun Life Insurance, or ABSLI, has been in the life insurance business in India for more than 20 years. The Aditya Birla Group and Sun Life Financial of Canada worked together to start it in 2000. It is now run by Aditya Birla Capital Limited.

The company focuses on the most important life insurance needs, such as protecting income, saving money, planning for retirement, and making sure children's futures are safe. ABSLI's plans are always based on real goals. This method is good for people who care more about stability and planning for the long term than short-term gains.

Rohit made his choice based on trust. The brand's history and the fact that the policy terms were easy to understand made the choice easier.

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⁺

Key Features of Aditya Birla Sun Life Insurance

Plans for different life stages
ABSLI offers term insurance, savings plans, ULIPs, retirement solutions, and child plans. If you are starting early or planning later in life, there are options that fit different needs.
Physical reach across India
With more than 440 branches nationwide, customers still have the option of face-to-face support, which many people prefer for long-term financial decisions.
Flexibility where it matters
Policy tenure, premium payment frequency, and rider options can be adjusted based on changing needs, making policies easier to continue over time.

Secure Your Family Future Today

₹1 CRORE

Term Plan Starting @

Get an online discount of upto 15%^#

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Advantages of Aditya Birla Sun Life Insurance Policies

Meaningful financial protection
The primary focus of ABSLI policies is income replacement and family security, not complicated projections. This makes the coverage easier to understand and rely on.
Premiums that stay realistic
Term plans, especially when bought early, are priced competitively and remain manageable even over long durations.
Consistent claim settlement performance
For FY 2024–25, Aditya Birla Sun Life Insurance reported a claim settlement ratio of 98.65%, which reflects steady claims handling rather than one-off performance.
Optional riders for added support
Accidental death, disability, critical illness, and waiver of premium riders allow policyholders to strengthen protection without buying separate policies.
Tax efficiency
Premiums paid and benefits received may qualify for tax benefits under Sections 80C and 10(10D), subject to prevailing tax rules.

Why Many People Choose Aditya Birla Sun Life Insurance

A well-established brand
ABSLI has been operating in India long enough to build credibility through experience, not advertising.
High claim settlement ratio
A CSR of 98.65% for FY 2024–25 gives policyholders confidence that claims are handled responsibly.
Accessible service network
With over 440 branches across the country, the company is easily accessible to everyone seeking offline support.
Easy to use online without losing human help
You can buy, renew, and file claims for policies online, but you can also get help in person when you need it.

How to Buy Aditya Birla Sun Life Insurance Online from Policybazaar in 2026

Follow the below steps to buy an ABSLI plan online from Policybazaar:

Step 1: Visit the Policybazaar Life Insurance page.

Step 2: Select the kind of plan you want: a child plan, a savings plan, a retirement plan, or term insurance.

Step 3: Enter your name, gender, date of birth, and mobile number, among other things.

Step 4: Provide Income and Lifestyle Information

Step 5: Check out the Aditya Birla Sun Life Insurance plans that are available, compare the premiums and benefits, pick the one that works best for you, and pay for it online.

Final Verdict: Is Aditya Birla Sun Life Insurance Worth Considering?

Aditya Birla Sun Life Insurance is a good option for people looking to build long-term financial protection without unnecessary complexity. The company offers its customers with multiple options of life insurance plans, such as protection, savings, retirement, and child, in order to make it easier to plan various aspects of life with just one insurer.

Term insurance with reasonable rates, a high claim settlement ratio, and support from Aditya Birla Group and Sun Life Financial, ABSLI offers stability that many people are seeking for a lifetime commitment.

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FAQs

Q. What is the claim settlement ratio (CSR) of Aditya Birla Sun Life Insurance for the financial year 2024-25?

Answer. The company has settled 98.65% of claims in the financial year 2024-25.
Q. Is Aditya Birla Sun Life Insurance a good choice for first-time buyers?

Answer. Yes. The plans are quite easy to comprehend and are perfect for those who might be purchasing for the first time and simply require protection.
Q. How do I make complaints to ABSLI?

Answer: If you want to lodge a complaint against Aditya Birla Life Insurance, you can use the grievance process followed by the insurance company via the website, customer care services, or branches, respectively.

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˜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.

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