Aditya Birla Sun Life Insurance Company Limited
Aditya Birla Sun Life Insurance Super Term Plan
UIN 109N153V01We don't sell this — we'll still recommend if it fits
The dealbreaker fields (term life)
Sum assured (max)
—
Claim settlement (CSR)
98.3%
Claims TAT
[object Object] days
Suicide exclusion
12 months
Payout options
Plan Option 1: Level Cover Option · Plan Option 2: Increasing Cover Option · Plan Option 3: Level Cover with Return of Premium Option
Premium payment
Single Pay · Limited Pay · Regular Pay
Policy term
10–67 yrs
Surrender value
no
Free look
30 days
What this plan does well
- 11x Annualised Premium MINIMUM on Death Benefit — matches Kotak e-Term, Bharti AXA Premier Protect
- 3 Plan Options: Level Cover / Increasing Cover (5% pa simple) / Level Cover with RoP
- Terminal Illness Benefit BUILT-IN: 50% SA (max ₹1 Cr) on TI diagnosis (age < 80)
- Waiver of Premium on Accidental TPD BUILT-IN (age < 70)
- 3 Payout Options: Lumpsum / Income (10/15/20 yrs) / Income plus Lumpsum (10-90% income, rest lumpsum)
- Increasing Cover Option: 5% pa simple escalation — inflation protection
- ACI Benefit rider available
- Step-Up SA Option available
Watch out for
- Plan Option chosen at inception cannot be changed during policy term
- Payout Option chosen at inception cannot be changed
- TPD requires uninterrupted 6-month disability documentation
- TPD must occur within 180 days of accident
- Regular Premium NO Surrender Value
- Terminal Illness only payable if age < 80 at diagnosis
- WOP only available till age 70
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.