Company Profile

Aditya Birla Sun Life Insurance, an Aditya Birla Capital Company

Aditya Birla Sun Life Insurance Company Limited (ABSLI) is a subsidiary of Aditya Birla Capital Ltd (ABCL)
is one of the leading private sector life insurance companies in India. ABSLI was incorporated on August
4th, 2000 and commenced operations on January 17th, 2001. ABSLI is ABSLI is a 51:49 a joint venture
between the Aditya Birla Group and Sun Life Financial Inc., a leading international financial services
organization in Canada.

Formerly known as Birla Sun Life Insurance Company Limited, ABSLI is one of India's leading life
insurance companies offering a range of products across the customer's life cycle, including children
future plans, wealth protection plans, retirement and pension solutions, health plans, traditional term
plans and Unit Linked Insurance Plans ("ULIPs").

As of December 31st, 2018, total AUM of ABSLI stood at Rs. 389,548 million. ABSLI recorded a gross
premium income of Rs. 18,599 million in Q3 FY 2018-19 and registering a y-o-y growth of 68% in
Individual First Year Premium and currently ranked 7th in Individual Business (Individual FYP adjusted for
10% single premium) (Source: IRDAI reported Financials). ABSLI has a nation-wide distribution presence
through 425 branches, 9 banc assurance partners, 6 distribution channels, over 83,000 direct selling
agents, other Corporate Agents and Brokers and through its website. The company has over 10,000
employees and more than 16 lac active customers.

The Company offers a complete range of protection solutions to help secure your family's future and
provide financial support for your child's education, wealth with protection solutions, health and
wellness solutions, retirement solutions and savings with protection solutions to help you stay financially
secure in the future with small disciplined savings at regular intervals. ABSLI puts people's need first and
aims to protect what is dear to the customer, with assurance. While, Life Insurance cannot prevent risk, it
can compensate financial losses arising from risk.

Aditya Birla Capital Limited (ABCL) is the financial services platform of the Aditya Birla Group. With a
strong presence across the life insurance, asset management, private equity, corporate lending,
structured finance, project finance, general insurance broking, wealth management, equity, currency and
commodity broking, online personal finance management, housing finance, pension fund management
and health insurance business, ABCL is committed to serving the end-to-end financial services needs of
its retail and corporate customers. Anchored by more than 17,000 employees, ABCL has a nationwide
reach and more than 2, 00,000 agents / channel partners.

Corporate Profile
Aditya Birla Sun Life Insurance Company Limited (ABSLI) is one of the leading private sector life insurance
companies in India. A subsidiary of Aditya Birla Capital Ltd, it is a joint venture between the Aditya Birla
Group of India and the Sun Life Financial Inc. of Canada. The company has contributed significantly
towards the growth and development of the life insurance sector in India and has set a benchmark for its
competitors. The company was the first to introduce the concept of free-look period, even before the
Insurance Regulatory and Development Authority (IRDA) made it mandatory.

In India, the company enjoys the trust of over 2.5 million customers.

ABSLI offers a complete range of protection solutions to help secure your family's future and ABSLI’s
various innovative insurance plans cater to provide financial support for your child's education, wealth
with protection solutions, health and wellness solutions, retirement solutions and savings with
protection solutions, to help you stay financially secure in the future with an additional provision of small
disciplined savings at regular intervals. Note: The Company was formerly known as Birla Sun Life
Insurance Company Limited (BSLI).

Highlights of Aditya Birla Sun Life Insurance

 ABSLI pioneered the launch of Unit Linked Insurance Plans (ULIPS).

 ABSIL has a policy of disclosing their portfolio on a monthly basis to establish its credibility and
add additional transparency.

 Aditya Birla Sun Life ranks among the top seven private sector life insurance companies in India
and was conferred with ‘Good Corporate Citizen Award’ for the year 2009-10 in Mumbai under
the Banking and Financial Institutions category.

 ABSLI recorded a gross premium income of INR. 24331 million in H1 FY 2017-18.

 The company registered a year on year (y-o-y) growth of 21% in First Year Premium and posted a
net profit of INR. 70 Crore in H1 FY 2017-2018.
  ABSLI has a nation-wide distribution presence through 433 branches, 6 banc assurance partners,
7 distribution channels, over 80,000 direct selling and corporate agents, all which can be
accessed online as well.

 The company has over 8,000 employees and more than 16 lac active customers.

Benefits of Aditya Birla Sun Life Insurance

o Multiple Plans: Birla Sun Life Insurance offers you a host of life insurance products - Term
Insurance, Endowment policy, ULIP, Money Back Life Insurance and Whole Life Insurance.

o Flexible Premiums: You can enjoy flexibility in paying premiums by opting for monthly or
annually premium paying option.

o Payouts and Benefits: You can opt for Annual Income or Lump Sum benefit payout option.

o Tax Benefits: You are entitled to Tax saving benefits under Section 80C, 80CCC, 80CCE, 80D, Sec 3
of 10(10A) and 10(10D) under the Income Tax Act, 2016.

Products and Services offered by Aditya Birla Sun Life Insurance

Protection Plan

Protection plans, also known as Term Insurance Plans, provide complete financial protection security and
coverage at low premiums. Aditya Birla Sun Life Insurance Company Limited (ABSLI) offers three types of
term insurance plans that safeguard your family’s financial future in your absence.

1) ABSLI DigiShield Plan: ABSLI DigiShield Plan is a non-linked non-participating term insurance
plan which you can customize as per your requirements at an affordable cost. Depending on
your requirement, this policy allows you to choose your sum assured and plan option. Once you
choose a sum assured, the plan option determines the enhancements to your chosen life cover
over the course of your policy.

Key features of this plan include:

 Complete financial protection at an affordable cost

 Two plan options to suit your protection needs

 Option to enhance coverage at different stages of your life

 Option to cover your spouse under the same policy

 Inbuilt Terminal Illness Benefit with flexible premium paying terms

 Multiple options to receive death benefit

  Additional rider benefit options

The eligibility for this policy application is between 18-65 years of age while the policy term is between
5-40 years. The minimum sum assured is INR. 30, 00,000 with no such limit for the maximum sum
assured.

2) ABSLI Income Shield Plan: A non-linked non-participating term insurance plan, the ABSLI Income
Shield Plan especially caters to meet the requirement of salaried professional and
entrepreneurs. In case of death of the insured, it ensures that the family continues to earn the
same monthly salary or income necessary to enjoy the same lifestyle as before.

Key features of this plan include:

 Complete financial protection at an affordable cost

 4 plan options to suit your protection needs

 EVA benefit - a benefit exclusive for females

 Flexible Premium Paying Terms & Income Benefit Term

 Option to enhance your insurance pan with appropriate rider benefits

The eligibility for this policy application is between 18-50 years of age while the policy term and income
benefit term is between 10-20 years. The minimum sum assured is INR. 5, 00,000 with no such limit for
the maximum sum assured.

3) ABSLI Life Shield Plan: The Aditya Birla Sun Life Insurance Life Shield Plan offers you the
flexibility to make a combination from amongst 8 different plan options as per your family's
needs. It focuses heavily on customization as it is based on the fact that every family is different
and so are their protection needs.

Key features of this plan include:

 Multiple options to suit your family’s different protection needs

 Option to enhance coverage at key milestones of your life

 Option to cover your spouse under the same policy

 Return of premium option and multiple options to receive death benefit

 Inbuilt Terminal Illness Benefit

 Additional rider benefit options

The eligibility for this policy application is between 18-65 years of age while the policy term is for a
maximum of 50 years and can be availed in options of 1 | 2 | 3 | 4 | 5 | 6 - 10 years or 7 | 8 or 20 years.
The minimum sum assured is INR. 25, 00,000 with no such limit for the maximum sum assured.

Saving Plan

ABSLI savings with Protection Plans offers you the chance to save money in small amounts, with the
added advantages of a large life cover and tax free returns.

1) ABSLI Secure plus Plan: This plan offers you a backup income opportunity coupled with flexibility
to choose the amount you wish to pay every year and the Income Benefits. The options include:

 If you want to receive Income benefit equal to 100% to 600% of Annual Premium for 6 years

 If you want to receive Income benefit equal to 200% of Annual Premium for 12 years.

The minimum sum insured is INR. 5, 22,000.

2) ABSLI Vision Money Back plus Plan: ABSLI Vision Money Back plus Plan provides you with
regular liquidity to meet your financial requirements along with adequate life cover against any
unfortunate event. The minimum sum assured is INR. 1, 00,000.

3) ABSLI Vision Life Income Plan: This is a comprehensive plan which provides you with a steady
income and whole life cover. It is a perfect blend of income and financial protection for you and
your family with survival benefits payable every year from the end of the premium paying term
till maturity and a life insurance benefit.

4) ABSLI Savings Plan: A traditional participating life insurance plan, the ABSLI Savings Plan enables
you to save regularly and grow your savings steadily over time. You also have an option to take a
loan against this policy. The sum assured ranges between INR. 30,000 to INR. 10, 00,000.

5) ABSLI Vision Life Secure Plan: A traditional participating whole life insurance plan, the
policyholder receives the sum assured, accrued regular bonuses and Terminal Bonus (if any). You
can also enhance the protection with riders such as ABSLI Accidental Death and Disability Rider,
ABSLI Critical Illness Rider and ABSLI Waiver of Premium. The sum assured starts from INR. 2,
00,000 with minimum premium of Rs. 12,000 p.a..

6) ABSLI Income Assured Plan: This plan offers you secured savings, regular income and a
comprehensive financial protection for your family. It is a traditional non-participating savings
with protection plan which you can customise to suit your needs by choosing the pay term and
the policy term. The minimum sum insured is INR. 1,00,000.
 7) ABSLI Vision Endowment Plus Plan: This plan provides you return of premium along with
accrued bonuses on maturity and also offers financial protection for your family. The minimum
sum assured is INR. 1,00,000 with a minimum premium payment of INR. 2,495 p.a.

8) ABSLI Guaranteed Milestone Plan: This plan offers full benefits on death or maturity with
guaranteed additions that boost your corpus year on year. The minimum sum assured is INR.
2,25,000 with options to choose policy term of 12, 14, 16, 18, 20, 22, 24 & 26 years.

9) ABSLI POS: Jeevan Bachat Plan: The ABSLI POS - Jeevan Bachat Plan comes with guaranteed
saving benefits and financial protection to your family in your absence. You have two options of
Premium Paying Term - single play and limited pay.

Child Future Plan

This investment plan is designed to assist your child when it comes to funding their foreign education,
raising capital to set up a small home-based business or meeting wedding expenses. It provides you with
a high life cover along with an opportunity to earn guaranteed returns on the investment and the
freedom to manage your fund to maximize your earnings as per need.

ABSLI Vision Star Plan: The ABSLI Vision Star Plan is designed keeping in mind of the changing goals and
aspirations of your child. Hence, throughout the term, you have the flexibility to get the benefits of your
payouts as per your child's need, and deferring the payouts if required. During this time, if you face any
unfortunate event, then the policy continues in your absence and your child receives the amount he/she
is eligible for, at the time of payouts as decided by you. The minimum sum assured is INR. 1,00,000.

Retirement Plan

A retirement pension solution that helps you face every financial obligation that might arise during
retirement. With three excellent retirement plans, you can build a sizeable fund of money that will last
you all through your post-retirement stage.

1) ABSLI Empower Pension Plan: The ABSLI Empower Pension Plan is a unit linked non-participating
pension plan that is simple and hassle-free. It helps you accumulate premium and offers
investment returns at the time of your retirement. The basic premium is INR. 18000 p.a. and Rs.
36,000 p.m. depending upon the time of payment - annually, semi-annually, quarterly or
monthly with an entry age of 25-70 years.

2) ABSLI Immediate Annuity Plan: The ABSLI Immediate Annuity Plan is a unique insurance plan
which offers regular income after retirement through a single premium payment as a lump sum
amount. You are entitled to tax benefits under Section 80CCC and no medical tests are needed
to avail this policy.
 3) ABSLI Empower Pension - SP Plan: This plan helps you focus on your goals and enhances your
savings to meet your retirement needs. It comes with a single pay term of a minimum of INR.
1,00,000 with no such limit for the maximum sum assured.

Health and Wellness Plans

Aditya Birla Health Solutions are specifically curated to provide quality treatment for the insurer’s family
with an adequate sum covering hospitalization, major illnesses and accidental injuries.

1) ABSLI Hospital Plus Plan: The ABSLI Hospital Plus Plan offers a fixed cash amount in the event of
hospitalization. You can supplement your policy by mitigating additional expenses with a
flexibility of choosing from 4 benefit options to suit your needs. This policy also entitles the
insured tax benefits as per section 80D of the Income Tax Act, 1961.

2) ABSLI Cancer Shield Plan: The speciality of this plan is that it is meant to provide cover at all
stages of Cancer i.e. early stage of cancer and major stage of cancer. If the diagnosis states a
major stage of cancer, you have an option to receive monthly income for 5 policy years. The
minimum sum insured is INR. 10,00,000 while the maximum is limited to INR. 50,00,000.

3) ABSLI CritiShield Plan: Certain diseases such as heart and kidney ailments demand more money
than hospital bills. Aditya Birla Sun Life Insurance CritiShield Plan protects your savings and
lifestyle against such expenses. It covers all stages of cardiac conditions and renal conditions with
a waiver of premium for 5 years on diagnosis of early stage conditions.

Wealth with Protection Plans

Aditya Birla Life Wealth with Protection plans provides a sizeable life insurance cover to help you save
money regularly for the future.

1) ABSLI Wealth Max Plan: A single premium unit linked insurance plan which gives you the
flexibility to add top-ups whenever you have additional savings and flexibility of partial
withdrawals to meet any emergency fund requirements. The basic sum assured is 1.25 | 5 | 10
times the basic premium which ranges between a minimum of INR.1,00,000 for a policy term of
5 & 10 years or a minimum INR. 2,00,000 for a policy term of 15 & 20 years.

2) ABSLI Wealth Secure Plan: Aditya Birla Sun Life Insurance Wealth Secure Plan combines long
term savings and whole life coverage. It requires you to pay premium for a limited term which
entitles you a cover for whole life. The basic premium ranges between INR. 20,000, 30,000 and
60,000, depending on the time of payment - annually, semi-annually and monthly or quarterly.

3) ABSLI Wealth Assure Plan: A protection and savings plan that enables your wealth to grow
steadily over time. This investment cum insurance plan allows you partial withdrawals in
emergency situations and also lets you add top-ups when you have additional savings. The
minimum basic premium ranges from INR. 1,00,000 if paid annually or INR. 1,80,000 if paid
monthly.
4) ABSLI Fortune Elite Plan: Under the ABSLI Fortune Elite Plan, you decide how to invest your
premiums in one of the three investment options - Systematic Transfer Option, Return Optimiser
Option or the Self-Managed Option.

5) ABSLI Wealth Aspire Plan: This insurance scheme helps you accumulate substantial financial
corpus by proving the flexibility to choose plan options, policy term, premium paying terms and
4 investment options. You also have the flexibility of partial withdrawals and adding top-ups in
case of additional savings.