Aditya Birla Sun Life Insurance Company Limited
ABSLI DigiShield Plan
ABSLI's flagship term plan
UIN 109N108V13We don't sell this — we'll still recommend if it fits
The dealbreaker fields (term life)
Sum assured (max)
—
Claim settlement (CSR)
98%
Claims TAT
[object Object] days
Suicide exclusion
12 months
Payout options
Lump-sum · Monthly Income · Lump-sum + Monthly Income
Premium payment
Single Pay · 5 Pay · 7 Pay +7
Policy term
5–82 yrs
Surrender value
no
Free look
30 days
What this plan does well
- 10 Plan Options — DEALBREAKER ADVANTAGE (most variants in market)
- Coverage up to age 100 (Whole Life option)
- Survival Benefit as Monthly Income from age 60 — UNIQUE
- JOINT LIFE PROTECTION — cover Spouse on SAME policy — DEALBREAKER UNIQUE
- Inbuilt Terminal Illness Benefit
- Accelerated CI (42 illnesses) on additional premium
- Return of Premium (RoP) Option 10 variant
- Increasing Cover (5% / 10% p.a. simple)
Watch out for
- Min SA ₹30 Lakhs (higher than IndiaFirst ₹50L threshold)
- Sum Assured Reduction Factor + Retirement Age cannot be changed during policy
- Regular Pay variant: NO Surrender Value
- Premium loading varies significantly across 10 options
- ACI Benefit requires additional premium (not inbuilt)
Is this the right plan for you?
Run the 30-second cover calculator. We'll tell you whether this plan, or a different one, is the better fit.
Find my right cover →We don't directly sell this plan today. If our verdict says this is your best fit, we'll point you to a broker who does — and tell you our paired listed alternative so you can decide.