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ABSLI Wealth Infinia is a unit-linked, non-participating individual life insurance savings plan from Aditya Birla Sun Life Insurance Company Limited. It combines life cover with market-linked investment and offers two variants: Milestone and Legacy. The Milestone Variant provides cover up to age 85, while the Legacy Variant is designed to continue to age 100, subject to eligibility and policy terms. The official product specifications state a minimum premium of ₹2,00,000 for limited or regular premium payment and ₹5,00,000 for single premium payment. The minimum sum assured is ₹14,00,000 for limited/regular pay and ₹6,25,000 for single pay. For Milestone, the premium-paying term can be 5–12 years for limited pay and 10–30 years for regular pay; the policy term can be 10–30 years. For Legacy, limited premium payment terms range from 5–20 years, and the policy term is generally 100 years minus the age at entry. Legacy entry-age limits vary by premium-paying term. The plan offers five investment strategies and multiple funds. It also provides Loyalty Additions, Wealth Boosters and return of eligible mortality and premium allocation charges at maturity when the stated policy conditions are met. Partial withdrawals are allowed after five complete policy years or after the life insured reaches age 18, whichever is later, subject to limits and other terms. Since this is a ULIP, the policyholder bears the investment risk and the fund value is not guaranteed.
Milestone and Legacy variants, Wealth Boosters, Loyalty Additions and return of eligible charges at maturity
ABSLI Wealth Infinia is intended for buyers with a substantial investment budget and a long investment horizon. Its Milestone and Legacy variants provide different cover horizons, while five investment strategies offer flexibility in fund management. Wealth Boosters and Loyalty Additions may enhance fund value when the relevant policy conditions are satisfied. The policy also specifies the return of eligible mortality and premium allocation charges at maturity if all due premiums have been received and the other contract conditions are met. These benefits should not be confused with guaranteed market returns: investment performance remains uncertain, and fund value can fluctuate. The minimum premium is considerably higher than that of many conventional life insurance products, so buyers should confirm that they can sustain the premium commitment. ULIP money is subject to a five-year lock-in, and withdrawals after that period are still governed by policy limits. Before purchasing, compare the official benefit illustration, variant-specific eligibility, charges, premium-paying term and withdrawal rules. Illustrated values at assumed rates of return are not promises of actual returns.
Aditya Birla Sun Life
Key Insights
Founded
2000
Aditya Birla Sun Life was established 26 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
98.9% CSR, calculated as a 3-year average
Aditya Birla Sun Life settles 98.9% of all claims it receives, demonstrating strong credibility.
Contact Details
1800-270-7000
Headquarters: One World Center, Tower 1, 16th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai - 400013, Maharashtra, India.
The Milestone Variant provides cover up to age 85, while the Legacy Variant is designed for cover up to age 100, subject to eligibility and policy terms.
Entry-age and premium-paying-term limits differ between variants.
The plan offers five investment strategies to support different approaches to allocating and managing policy funds.
Investment performance is market-linked and not guaranteed.
Additional units may be credited as Loyalty Additions under the policy formula when the life insured is alive and all due premiums have been received.
Eligibility and percentages depend on the policy terms and applicable premium band.
Additional units may be added starting at the end of the tenth policy year and at specified five-year intervals thereafter, subject to policy conditions.
The applicable percentage depends on the variant, premium-payment option and premium band.
At maturity, an amount equal to eligible mortality charges and premium allocation charges deducted during the policy term may be added to fund value if the contract conditions are met.
All due premiums must be received and policy conditions satisfied.
The product page lists this rider as an optional enhancement. Benefits for covered death or terminal illness events are governed by the rider contract.
UIN 109A045V01. Confirm availability, rider premium, eligibility and exclusions in the current rider documents.
Conditions or treatments that the policy clearly says it will not cover.
Insurer
Aditya Birla Sun Life plans and claim process
ABSLI Wealth Infinia is a unit-linked, non-participating individual life insurance savings plan that combines life cover with market-linked investment.
The official product page lists ₹2,00,000 for limited or regular premium payment and ₹5,00,000 for single premium payment. Check the selected variant and current policy documents for applicable conditions.
The published minimum sum assured is ₹14,00,000 for limited or regular premium payment and ₹6,25,000 for single premium payment, subject to policy terms.
Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Claim settlement ratios are from IRDAI Annual Reports. Finzony is not an insurance broker or agent. Verify all details on the official Aditya Birla Sun Life website before purchasing.
Official Website
lifeinsurance.adityabirlacapital.com
Visit the official Aditya Birla Sun Life website for plan brochures, premium quotes and policy services.
The aforementioned ratios have been averaged over three years (FY24-FY26)
The Milestone Variant provides cover up to age 85, while the Legacy Variant is designed for cover up to age 100. Entry-age limits, premium-paying terms and policy terms differ.
No. It is a ULIP, so fund performance and maturity value are market-linked. Loyalty Additions, Wealth Boosters and return of eligible charges are governed by separate policy conditions and do not guarantee investment returns.
Wealth Boosters are additional units that may be added starting at the end of the tenth policy year and at specified five-year intervals thereafter, subject to the policy conditions and premium band.
Loyalty Additions are additional units calculated under the policy formula and credited when the applicable eligibility conditions are met, including payment of due premiums.
The policy provides for eligible mortality and premium allocation charges deducted during the policy term to be added back to fund value at maturity when the stated conditions are met. Review the current contract for the exact terms.
Partial withdrawals are allowed after five complete policy years or after the life insured attains age 18, whichever is later. The minimum withdrawal is ₹5,000, and fund-value and annual withdrawal limits apply.
The official product page describes the death benefit as the highest of fund value, the applicable sum assured adjusted for relevant recent partial withdrawals, or 105% of premiums received adjusted for relevant recent partial withdrawals. The policy contract controls the final calculation.
If the life insured survives to the end of the policy term, the fund value is payable as a lump sum or through an available settlement option, subject to policy conditions.
The official Wealth Infinia page lists ABSLI Suraksha Term Rider Plus. Availability, additional premium, eligibility and rider benefits are governed by the applicable rider documents.
The consequences depend on the premium-paying term, timing and policy conditions. Discontinuance and revival rules may apply. Consult the policy contract and insurer before stopping premiums.
Tax treatment depends on prevailing tax laws and whether the policyholder meets the applicable conditions. Consult a qualified tax professional for advice specific to your circumstances.