Aditya Birla Sun Life Insurance Wealth Aspire Plan

At a Glance

You’ve worked hard to give your family the best of everything. You are always willing to walk that extra mile to ensure that their aspirations and dreams are provided for and that they lead a comfortable life, both today, as well as in the years to come. ABSLI Wealth Aspire Plan recognizes the importance of such needs and helps you fulfil your goals by offering to empower you with a plan that helps in wealth creation as well as provides protection to you.

Key Features

  1. Flexibility to choose from 2 plan options to suit your aspirations.
  2. Flexibility to choose from a wide range of policy terms.
  3. Flexibility to choose from a wide range of premium paying terms
  4. Flexibility to choose from 4 investment options to suit your investment needs.
  5. Flexibility to add top-ups whenever you have additional savings.
  6. Flexibility of partial withdrawals to meet any emergency fund requirements.

* The guaranteed benefits are applicable only if all due premiums are paid.

Key Benefits

Classic Option

In the unfortunate event the life insured dies while the policy is in effect, we will pay to the nominee/policyholder the greater of

  • Basic Fund Value as on date of intimation of death; or
  • Basic Sum Assured

In addition we will also pay the greater of

  • Top-up Fund Value as on date of intimation of death, if any ; or
  • Top-up Sum Assured

The Basic Sum Assured will be reduced to the extent of partial withdrawals made during the two-year period immediately preceding the death of the life insured from the Basic Fund Value. However the death benefit aer partial withdrawals shall never be less than Annualized Premium multiplied by 10. At all times, if the policy has not been discontinued, the Death benefit shall never be less than 105% of total basic premiums and top-up premiums paid up to the date of death reduced to the extent of partial withdrawals made both from the basic fund value and top-up fund values, during the two year period immediately preceding the death of the life assured. In case where the death of the Life Insured takes place prior to risk commencement date, only the basic premiums paid (excluding GST, if any) shall be payable as the Death Benefit. Where a policy is issued on a minor life, the policy will vest in the life insured aer attainment of majority of the life assured.


Maturity Benefit

You will receive the Basic Fund Value plus the Top-Up Fund Value as of that date at the end of the Policy Term.


Surrender Benefit

In case of emergencies, you can surrender your policy to us anytime during the policy term. Any such surrender will be treated according to the Policy Discontinuance section.

For Classic Option - In case of death of the life insured, if Life Insured is different from the policyholder, the proposer/policyholder will receive the policy proceeds.

Type of Plan and Eligibility

Plan at a glance

Classic Option

Entry Age

Minimum – 30 days*


Maximum – For 5 Pay: 50 years
For 6 Pay & 7 Pay: 55 years
 For 8 Pay and above: 65 years

Maturity Age:

For 5 to 7 Pay: 18 to 70 years
For 8 Pay and above: 18 to 75 years

Policy Term:

Minimum-10 Years


Maximum: 40 years

Premium Payment Term:

5 to 40 Years

Minimum basic premium:

Rs 40000 for Annual Mode


Rs 45000 for Semi Annual Mode


Rs 50000 for quarterly & monthly Mode


Rs 500,000 p.a. if the age at entry is between 61 to 65 years, both inclusive.

Minimum Sum Assured:

Rs 4,00,000

Top Up premium

Minimum Rs 5000

Your premiums are divided in bands to differentiate the various charges levied. For easy reference, your premium is banded as follows:

Premium Band

Band 1

Band 2

Band 3

Basic premium (Rs)


2,00,000 to 4,99,999

5,00,000 +


DBS Bank India Limited (IRDA of India Registration Number: CA 0257) having the registered office at GF: Nos. 11 & 12, Capitol Point BKS Marg, Connaught Place, Delhi - 110001 is the Corporate Agent of Aditya Birla Sun Life Insurance Company Limited. DBS Bank India Limited (Bank) does not underwrite the risk or act as an insurer. The Insurance product is underwritten by Aditya Birla Sun Life Insurance Company Limited. The contract of insurance is between the insurer and the insured and not between the Bank and the insured. Bank does not give any warranty, as to the accuracy and completeness of the policies. Bank does not accept any liability or losses attributable to your contract of Insurance. Participation by the Bank’s customers in the insurance products is purely on a voluntary basis and is not linked to availment of any other facility from the bank. 

The contents and product information of this web site are given strictly for your convenience and is indicative in nature and ‘as is’ received from the Insurer. Nothing contained herein is to be construed as advice, recommendation, offer for a policy or any other assistance. Bank does not guarantee that this website reflects latest amendments/ information at all times or at any time. Bank shall have no liability to the customer for any loss or damage of any kind incurred for reliance on the content and product information available on this website.

“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.” Linked Life insurance products are different from the traditional life insurance products and are subject to the risk factors. The premium paid in ULIP are subject to investment risk associated with equity markets. Aditya Birla Sun Life Insurance Company Limited is only the name of the Company and Wealth Aspire is only name of the ULIP and does not in any way indicate the quality of the contract, its future prospects or returns. Please know the associated risks and applicable charges from your insurance agent or the intermediary, or policy documents. Various funds offered under the contract are the names of the funds and do not any way indicate the quaity of these plans, their future prospects and returns. Past performance of the Unit Linked fund of the company is not necessarily indicative of the future performance of any of these Unit linked fund(s). Aditya Birla Sun Life Insurance Company Limited Registered Office: One World Centre, Tower 1, 16th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai - 400 013. Customer Helpline Numbers: 1-800-270-7000 Website: IRDAI Reg No.109 CIN: U99999MH2000PLC128110 UIN: 109L100V05 ADV/3/23-24/3842

BEWARE OF SPURIOUS / FRAUD PHONE CALLS ! 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

How to Apply

Apply now for Aditya Birla Sun Life Insurance Wealth Aspire Plan
Locate us Visit us at your nearest DBS branch
Call 1860 267 1234 / 1800 209 4555 / +91 44 6685 4555