ABSLI Wealth Assure Plus - lifeinsurance.adityabirlacapital.com
UIN 109L120V02 IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER On Top - "the linked Insurance Products do not offer any liquidity during the first five years of the contract. The policyholder will not be able to surrender/withdraw the monies invested in Linked Insurance Products completely or partially till the end of the fifth year. ABSLI Wealth Assure Plus A unit-linked life insurance plan Aditya Birla Sun Life Insurance Company Ltd. UIN 109L120V02 Key Features A plan that offers dual benefit of life insurance protection and savings through a wide range of fund options Option to increase protection through waiver of premium in case of Critical Illness^ or Total Permanent Disability^ Flexibility to choose from 2 plan options to suit your aspirations Boost your savings through regular premiums Flexibility to choose between 4 investment options to suit your needs Flexibility to add top-ups whenever you have additional savings Flexibility of partial withdrawals to meet any emergency fund requirements
^ Refer product brochure of Critical Illness and Total Permanent Disability definition and exclusions in details Aditya Birla Sun Life Insurance Company Ltd. Plan Details - Eligibility ELIGIBILITY CRITERIA Entry Age (age last birthday) UIN 109L120V02 Maturity Age Classic Option Assured Option 30 days* to 55 years 18 to 50 years 18 to 75 years 33 to 65 years Policy Term 15 years : For Premium Payment Term 10 | 15 years 20 | 25| 30 | 35 years : For Premium Payment Term 10 | 15 | 20 years: Premium Paying Term 10 | 15 | 20 Pay Basic Premium Minimum Rs. 24,000 p.a. (HDFC/DBS), Rs. 50,000 p.a. For others Top-up Premium Minimum Rs. 5,000 Pay Mode
Annual, Semi-Annual, Quarterly, Monthly Premium Bands Basic Premium (Rs.) * risk commences from the first policy anniversary Aditya Birla Sun Life Insurance Company Ltd. Band 1 24,000 99,999 Band 2 1,00,000 + Plan Benefits UIN 109L120V02 DEATH BENEFIT In the unfortunate death of the life insured during the policy term, we shall pay to the nominee Basic Sum Assured; plus Basic Fund Value as on the date of intimation of death. In addition we shall also pay Top-up Sum Assured; plus Top-up Fund Value as on the date of intimation of death. Death benefit shall never be less than 105% of total basic and Top up premiums paid to date (excluding GST) Where a policy is issued on a minor life, the policy will vest in life insured after attainment of majority of the life assured .. INBUILT WAIVER OF PREMIUM BENEFIT ASSURED OPTION In case of the life insured suffering from any of the specified Critical illnesses (CI) or Total and Permanent Disability (TPD) during the policy term , all future premiums, if any, shall be paid by the Company when due to be paid. All the other benefits will remain unaffected. All policy charges shall be deducted as and when due, except Waiver of Premium (CI / TPD ) charges. The premium waiver on TPD or CI is applicable only if you have chosen Assured Option. Premium waiver benefit is applicable on the first occurrence of either TPD or Critical Illness whichever is earlier. Aditya Birla Sun Life Insurance Company Ltd. Plan Benefits GUARANTEED ADDITIONS These will be added to your policy in the form of additional units to your Fund Value. Guaranteed additions will be a percentage of Basic Premium as per the table below for Band 1 UIN 109L120V02 PT 15
20 25 30 35 10 15 10% 10% 10% 10% 10% 50% 15% 15% 15% 15% At the end of Policy Year 20 25 50% 20% 20% 20% 50% 25% 25% 30 35 50% 30% 50% For Band 2 (premiums Rs. 100,000 and above ), Guaranteed Additions will be enhanced by 10% of Basic Premium on policy maturity.
MATURITY BENEFIT You will receive the Basic Fund Value plus the Top-up fund Value as of that date at maturity. Aditya Birla Sun Life Insurance Company Ltd. Plan Benefits Riders For added protection, ABSLI Wealth Assure Plus can be enhanced by the following riders for a nominal extra cost: UIN 109L120V02 ABSLI Accidental Death Benefit Rider Plus (UIN:109C023V02) In the unfortunate event of death of the life insured due to an Accident within 180 days of occurrence of the accident, we will pay 100% of the rider sum assured to the nominee. Also, we will refund the premiums collected after the date of Accident till date of death, with interest as declared by us from time to time, along with death benefit payable. ABSLI Waiver of Premium Rider (UIN: 109C017V03) In case of the following conditions: Policyholder becomes completely disabled due to an illness or accident Policyholder is diagnosed with any of the specified critical illnesses Death of the policyholder (only if other than the Life Insured) We will fund all the future due premiums and all the other benefits will remain unaffected. This benefit is applicable only once during the entire premium paying term. Please refer to detailed brochures on riders, for further details. Aditya Birla Sun Life Insurance Company Ltd. UIN 109L120V02 Other features Partial Withdrawals You are allowed to make unlimited partial withdrawals any time after (a) five complete policy years or (b) life insured attaining the age of 18, whichever is later. The partial withdrawals shall first be adjusted from Top-up Fund Value (except any top up premiums paid in the previous five years immediately preceding the date of withdrawal); if any. Once the Top-up Fund Value is exhausted, partial withdrawals would be adjusted from Basic Fund Value. The minimum amount of partial withdrawal is Rs. 5,000. You are required to maintain a minimum Basic Fund Value of one basic premium payable in a year plus any top-up premiums paid in the previous five years immediately preceding the date of withdrawal. The total amount of partial withdrawal during a policy year shall not exceed 25% of the total Policy fund value at the beginning of the policy year. Policy Surrender: In case of emergencies, the policy can be surrendered anytime during policy term. If the policy is surrendered after completion of five policy years, Policy Fund Value will be paid immediately .If it is surrendered before lock In period, proceeds of the discontinued policy shall be payable at the end of lock-in period
Policy Loans Not available Aditya Birla Sun Life Insurance Company Ltd. Other features UIN 109L120V02 Fund Switching: You can change from one investment option to another investment option anytime after the first policy year. You can switch to Self-Managed Investment Option, Smart Investment Option or Systematic Transfer Investment Option during the policy term, however switching to the Return Optimiser Investment Option is not allowed. Switching to Systematic Transfer Investment Option is allowed only at policy anniversary. Premium Redirection To meet your ever changing investment needs, you have full flexibility to redirect future premiums by changing your premium allocation percentages at any time. Reduction of Premium Payment Term: You shall have an option to reduce the premium payment term provided the policy is inforce for full sum assured and provided that such reduction is subject to boundary conditions of the product. This option shall be available only after basic premiums have been paid in full for the first five policy years. Aditya Birla Sun Life Insurance Company Ltd. Other features UIN 109L120V02 Free Look Period You will have the right to return your policy to us within 15 days (30 days in case the policy issued under the provisions of IRDAI Guidelines on Distance Marketing (2) of Insurance products) from the date of receipt of the policy, in case you are not satisfied with the terms & conditions of your policy. We will pay the Policy fund value plus non allocated premiums plus charges levied by cancellation of units once we receive your written notice of cancellation (along with reasons thereof) together with the original policy documents. Depending on our then current administration rules, we may reduce the amount of the refund by the proportionate risk premium and the expenses incurred by us on medical examination of the proposer and stamp duty charges in accordance to IRDAI (Protection of Policyholders Interest) Regulations, 2017. Distance Marketing includes every activity of solicitation (including lead generation) and sale of insurance products through voice mode, SMS, electronic mode, physical mode (like postal mail) or any other means of communication other than in person. (2) Suicide Exclusion In case of death due to suicide within 12 months from the date of commencement of the policy or from the date of revival of the policy, as applicable, the nominee or the beneficiary of the policyholder shall be entitled to the Policy fund value, as available on
the date of intimation of death. Further any charges other than Fund Management Charges (FMC) recovered subsequent to the date of death shall be added back to the Policy fund value as available on the date of intimation of death. Aditya Birla Sun Life Insurance Company Ltd. UIN 109L120V02 Total Permanent Disability and Critical Illness Benefit Exclusions The Life Insured shall not be entitled to any benefits if Total Permanent disability or covered Critical Illness results either directly or indirectly from any of the following causes: 1. Any Pre-Existing Disease. Pre-Existing Disease means any condition, ailment, injury or disease: a) That is/are diagnosed by a physician within 48 months prior to the effective date of the policy issued by the insurer or its latest revival date; OR b) For which medical advice or treatment was recommended by, or received from, a physician within 48 months prior to the effective date of the policy or its latest revival date, whichever is later; OR c) A condition for which any symptoms and or signs if presented and have resulted within three months of the issuance of the policy or its latest revival date in a diagnostic illness or medical condition. d) This exclusion will not be applicable to conditions, ailments or injuries or related condition(s) which are underwritten and accepted by insurer inception. 2. Any sickness-related condition manifesting itself within 90 days from the policy commencement date or its latest revival date, whichever is later; 3. AIDS and / or HIV-related complications or any sexually transmitted diseases; 4. Suicide or attempted suicide or self-inflicted injury, irrespective of mental condition; 5. Participation in a criminal, unlawful or illegal activity; 6. Taking or absorbing, accidentally or otherwise, any intoxicating liquor, drug, narcotic, medicine, sedative or poison, except as prescribed by a registered medical practitioner; 7. Nuclear contamination, the radioactive, explosive or hazardous nature of nuclear fuel materials or property contaminated by nuclear fuel materials or accident arising from such nature. Additional Total Permanent Disability Benefit Exclusion In addition to the common exclusions above, the Life Insured shall not be entitled to any benefits if Total & Permanent Disability results either directly or indirectly from: Engaging in or taking part in professional sport(s) or any hazardous pursuits, including but not limited to, diving or riding or any kind of race; underwater activities involving the use of breathing apparatus or not; martial arts; hunting; mountaineering; parachuting; bungee jumping Aditya Birla Sun Life Insurance Company Ltd. Policy discontinuance within lock in period UIN 109L120V02 REVIVAL WINDOW Upon expiry of the grace
period 30 days, (15-days in case your basic premium is paid on a monthly basis) in case of non-payment of premium, the fund value after deducting discontinuance charges shall be credited to the discontinued policy fund and the risk cover and rider cover, if any, shall cease. DISCONTINUANCE Please refer product brochure for more details Aditya Birla Sun Life Insurance Company Ltd. All such discontinued policies shall be provided a revival period of three years from date of first unpaid premium. On such discontinuance, ABSLI shall communicate the status of the policy, within three months of the first unpaid premium, to the policyholder and provide the option to revive the policy within the revival period of three years If policyholder opts to revive but does not revive the policy in revival period, proceeds of discontinued policy fund shall be paid to the policyholder at the end of the revival period or lock-in period whichever is later If the policyholder does not exercise above option , the proceeds of the discontinuance fund shall be paid to policyholder at the end of the lock-in period, and the policy shall terminate. However, policyholder can surrender the policy anytime and the policy fund in the discontinued policy fund shall be payable at the end of lock-in period or date of surrender
whichever is later NON REVIVAL IMPACT Policy discontinuance post lock in period UIN 109L120V02 REVIVAL WINDOW Upon expiry of the grace period 30 days, (15-days in case your basic premium is paid on a monthly basis) in case of non-payment of premium, policy shall be converted into a reduced paid up policy with the paid-up sum assured. The policy shall continue to be in reduced paid-up status without rider cover, if any. DISCONTINUANCE Please refer product brochure for more details Aditya InsuranceCompany Company AdityaBirla BirlaSun SunLife Life Insurance Ltd.Ltd On such discontinuance, ABSLI shall communicate the status of the policy, within three months of the first unpaid premium, to the policyholder and provide the option to -Revive the policy within the revival period
of three years or -Complete withdrawal of the policy. If policyholder opts to revive but does not revive the policy in revival period, the fund value shall be paid to the policyholder at the end of the revival period. If the policyholder does not exercise above option , the policy shall continue to be in reduced paid up status. At the end of the revival period the proceeds of the policy fund shall be paid to the policyholder and the policy shall terminate However, the policyholder has an option to surrender the policy anytime and then the policy fund value shall be payable NON REVIVAL IMPACT Policy Charges UIN 109L120V02 Premium Allocation Charge A premium allocation charge is levied on the basic and top up premiums when received. For Policy Year 1-10 5 % of Basic Premium From 11th Policy Year Nil A premium allocation charge of 2% is levied on any top-up premium when paid. Fund Management Charge For Liquid Plus, Income Advantage, Assure, Protector and Builder For Enhancer, Creator, Capped Nifty Index, Asset Allocation MNC, Magnifier, Maximiser, Multiplier, Super 20, Pure Equity and
Value & Momentum. 1.00 % 1.25% 1.35% Policy Administration Charge The policy administration charge is deducted at the start of every policy month by canceling units proportionately from each segregated fund. The charge is as shown below, subject to a maximum of Rs. 6,000 p.a. For Policy Year 1-5 1.4 % of Basic Premium p.a. For Policy Year 6-10 1.9% of Basic Premium p.a. For Policy Year 11 onwards Nil Miscellaneous Charges Rs. 50 per request is charged for change in investment option, premium re-direction, fund switch partial withdrawal or any additional servicing request. We do however reserve the right to charge up to Rs. 500 per request in the future. Aditya Birla Sun Life Insurance Company Ltd. Policy Charges Mortality Charge For Classic Option & Assured Option, a mortality charge is deducted at the start of every month for providing you with the risk cover. It is charged by cancelling units proportionately from each segregated fund you have at that time. The charge per 1000 of Sum at Risk under the policy will depend on the gender, premium band and attained age of the life insured. UIN 109L120V02
Charge per 1000 of Sum at Risk For Band 1 Attained Age Age 25 Age 35 Age 45 Age 55 Age 65 Male 0.890 1.188 2.732 7.394 15.962 Female 0.857 1.027 2.021 5.712 12.560 Charge per 1000 of Sum at Risk For Band 2 Attained Age
Age 25 Age 35 Age 45 Age 55 Age 65 Male 0.692 0.924 2.125 5.751 12.415 Female 0.666 0.799 1.572 4.443 9.769 Waiver of Premium Charge (CI/TPD) For Assured Option, a waiver of premium (CI/TPD) charge is deducted at the start of every month. It is charged by cancelling units proportionately from each segregated fund you have at that time. The charge per 1000 of Sum at Risk under the policy will depend on the gender and attained age of the life insured. Sum at Risk is the discounted value (determined using a discount rate of 6.25% p.a.) of future installment premiums. Attained Age Age 25 Age 35 Age 45 Age 55 Age 65 Male 0.612
1.271 4.020 10.53 23.442 Female 0.758 1.694 4.105 8.341 16.011 Aditya Birla Sun Life Insurance Company Ltd. Illustration Assured Option Mr. Sunil aged 35 years takes ABSLI Wealth Assure Plus with Assured Option, he pays Rs. 1,00,000/- p.a. for limited premium payment period of 15 years with policy term of 30 years under Self Managed investment option with 100% investment in Maximiser Fund. Life Cover of Rs. 10 Lakhs Future Premiums will be UIN 109L120V02 Premium Rs 1 Lakh pa paid by ABSLI 1 02 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 CI/TPD Premium excluding GST
.Aditya Birla Sun Life Insurance Company Ltd. 30 Fund Value of Rs. 60,41,382* * values shown are @ 8% Fund Value @ 4% = Rs. 24.59 Lakhs 15 Illustration Classic Option Mr. Sunil aged 35 takes ABSLI Wealth Assure Plus with Classic Option, he pays Rs. 1,00,000/- p.a. for limited premium payment period of 15 years with policy term of 30 years under Self Managed investment option with 100% investment in Maximiser Fund. UIN 109L120V02 Premium Rs 1 Lakh pa Life Cover of Rs. 10 Lakhs 1 02 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 Fund Value of Rs. 61,04,423* Premium excluding GST .Aditya Birla Sun Life Insurance Company Ltd. * values shown are @ 8% Fund Value @ 4% = Rs. 24.848 Lakhs 16 Investment Options SMART INVESTMENT OPTION Features: Portfolio structured as per your maturity date and risk profile
Illustration: Aggressive Risk Profile | PT 20 years Basic Premium invested under two segregated funds I. Maximiser (Equity) UIN 109L120V02 II. Income Advantage (Debt) ABSLI will manage & administer the investments on your behalf Allocation turns conservative as the maturity date approaches to protect accumulation The proportion invested in Maximiser will be according to the 35% 50% 15% Years Years to to Maturity: Maturity: 55 MAXIMISER Years Years to to Maturity: Maturity: 6-10 6-10
Years Years to to Maturity: Maturity: 11-15 11-15 Years to Maturity: 16-20 Years to Maturity: 16-20 schedule given below the remaining amount will be invested in Income Advantage. Risk Profile Conservative Moderate Aggressive 5 0% 0% 0% 6 10 5% 10% 15% Years to maturity 11 15 16 20 15% 30% 25% 40% 35% 50% Please refer product brochure for more details Aditya Birla Sun Life Insurance Company Ltd. 21 30
35% 50% 65% 31 40 50% 65% 80% 100% 85% 65% 50% INCOME ADVANTAGE Investment Options SYSTEMATIC TRANSFER INVESTMENT OPTION Illustration: Weekly Transfer| 4 funds chosen| Premium Rs. 48000 Features: Available only if you have opted for Annual Mode Rs. 4000/- Rs. 1000/- Basic premium shall be first allocated to Liquid Plus fund UIN 109L120V02 option Thereafter Monthly 1/12th or Weekly 1/48th of the allocated Liquid Plus amount shall be transferred to up to 4 segregated fund(s) of On 15th of each month 1/12th of fund value is transferred
your choice viz. Income Advantage, Enhancer, Creator, Maximiser, Multiplier, Super 20, Value & Momentum and new MNC as per the investment proportion for the chosen funds. Transfers to your chosen segregated fund(s) will take place monthly on 1st, 8th, 15th or 22nd of the month Switch between monthly and weekly transfers can be done on policy anniversary. Please refer product brochure for more details Aditya Birla Sun Life Insurance Company Ltd. Enhancer Super 20 MNC Creator Investment Options SELF MANAGED INVESTMENT OPTION Features: Illustration: 4 chosen funds - Liquid Plus, Income Advantage, Pure Equity, Buillder Gives you access to our well established suite of 16 UIN 109L120V02 segregated funds - Liquid Plus, Income Advantage, Assure, Protector, Builder, Enhancer, Creator, Magnifier, Maximiser, Multiplier, Super 20, Pure Equity, Value & Momentum, Capped Nifty Index, Asset Allocation, MNC
Gives you complete control on how to invest your premiums Full freedom to switch from one segregated fund to another Flexibility to redirect future premiums by changing your premium allocation percentages at any time 5% 15% Liquid Plus Liquid Plus 25% Creator 5% 10% PureEquity Equity Pure Please refer product brochure for more details Aditya Birla Sun Life Insurance Company Ltd. 60% 55% You can You can redirect your switch premium between allocation funds percentages
Income Advantage Advantage Income 25% 10% Builder MNC Investment Options RETURN OPTIMIZER INVESTMENT OPTION Features: Basic premiums (net of allocation charges) are invested in Maximiser fund UIN 109L120V02 It will be tracked every day for each policyholder for a predetermined upside movement of 10% or more over the net Illustration: Movement between Funds Total Premiums invested in Maximiser Fund Rs 300,000 Less charges deducted from Maximiser Fund Rs 25,392 Net amount lying in the Maximiser Fund Rs 274,608 110% of Net Invested amount Rs.302,069 Fv is now Rs 310,000,then Rs 35,392 (i.e. 310,000 274,608) will be transferred to Income Advantage Fund. invested amount (net of all charges). When the gain from the Maximiser fund reaches 10% or more of the net invested amount, the amount equal to the appreciation will be transferred to the Income Advantage fund at the prevailing unit price.
FV: Rs. 310,000 Rs. 35,392 Rs. 35392 Protect your gains from the future market volatility and create a more stable sequencing of investment returns. Please refer product brochure for more details Aditya Birla Sun Life Insurance Company Ltd. MAXIMISER INCOME ADVANTAGE UIN 109L120V02 Disclaimers The premiums paid in Unit Linked Life Insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of the fund and factors influencing the capital market and the policy owner is responsible for his or her decision. This policy is underwritten by Aditya Birla Sun Life Insurance Company Limited (ABSLI). This is a non-participating unit linked life insurance savings . Aditya Birla Sun Life Insurance, ABSLI Wealth Assure Plus (UIN: 109L120V02), Liquid Plus (ULIF02807/10/11BSLLIQPLUS109), Income Advantage(ULIF01507/08/08BSLIINCADV109), Assure(ULIF01008/07/05BSLIASSURE1090, Protector(ULIF00313/03/01BSLPROTECT109), Builder(ULIF00113/03/01BSLBUILDER109), Enhancer(ULIF00213/03/01BSLENHANCE109), Creator(ULIF00704/02/04BSLCREATOR109), MagnifierULIF00826/06/04BSLIIMAGNI109), Maximiser(ULIF01101/06/07BSLIINMAXI109), Multiplier(ULIF01217/10/07BSLIINMULTI109), Super 20(ULIF01723/06/09BSLSUPER20109), Pure Equity(ULIF01723/06/09BSLSUPER20109), Value & Momentum(ULIF02907/10/11BSLIVALUEM109), Asset Allocation (ULIF03430/10/14BSLIASTALC109), Capped Nifty Index (ULIF03530/10/14BSLICNFIDX109), MNC (ULIF03722/06/18ABSLIMUMNC109) are only the names of the Company, Policy, Investment Option and Investment Funds respectively and do not in any way indicate the quality of the Policy, Investment Funds or their future prospects or returns. The charges are guaranteed throughout the term of the policy unless specifically mentioned and subject to IRDAI approval. Aditya Birla Sun Life Insurance Company Limited is only the name of the Insurance Company and ABSLI Wealth Assure Plus is only name of the unit linked life insurance contract and funds and does not in any way indicate the quality of the contract, its future prospects or returns. Please know the associated risks and the applicable charges, from your Insurance agent or the Intermediary or policy document. The Past performance of the Unit linked fund(s) of the company is not necessarily indicative of the future performance of any of these Unit linked fund(s). Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factors. The premium paid in Unit Linked Life Insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of the fund and factors influencing the capital market and the insured is responsible for his or her decision.The value of the segregated fund reflects the value of the underlying investments. These investments are subject to market risks and change in fundamentals such as tax rates etc affecting the
investment portfolio. The premium paid in unit linked life insurance policies are subject to investment risk associated with capital markets and the unit price of the units may go up or down based on the performance of segregated fund and factors influencing the capital market and the policyholder is responsible for his/her decisions. There is no guarantee or assurance of returns above the guaranteed returns from the segregated funds. GST and any other applicable taxes levied as per extant tax laws shall be deducted from the premium or from the allotted units as applicable. An extra premium may be charged as per our then existing underwriting guidelines for substandard lives. The insurance cover for the life insured will commence on the policy issue date. For further details please refer to the policy contract. Tax benefits are subject to changes in the tax laws. For more details on risk factors, terms and conditions please read sales brochure carefully before concluding the sale. Aditya Birla Sun Life Insurance Company Ltd. 21 Disclaimers The Trade Logo Aditya Birla Capital Displayed Above Is Owned By ADITYA BIRLA MANAGEMENT CORPORATION PRIVATE LIMITED (Trademark Owner) And Used By ADITYA BIRLA SUN LIFE INSURANCE COMPANY LIMITED (ABSLI) under the License. UIN 109L120V02 For more details and clarification call your ABSLI Insurance Advisor or visit our website www.adityabirlasunlifeinsurance.com and see how we can help in making your dreams come true. Aditya Birla Sun Life Insurance Company Limited (Formerly Birla Sun Life Insurance Company Limited)Registered Office: One Indiabulls Centre Tower 1, 16th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai - 400013. IRDAI reg no.109 CIN: U99999MH2000PLC128110 UIN: 109L120V02. Toll Free No. 1800 270 7000. ADV/11/19-20/1275 BEWARE OF SPURIOUS PHONE CALLS AND FICTIOUS/FRADULENT OFFERS IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint. Aditya Birla Sun Life Insurance Company Ltd. 22 UIN 109L120V02 Thank You Aditya Birla Sun Life Insurance Company Ltd. Aditya Birla Sun Life Insurance Company Ltd.
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