Aditya Birla Sun Life Insurance (ABSLI)

Aditya Birla Sun Life Insurance (ABSLI) offers a combination retirement solution that blends the ABSLI Wealth Infinia ULIP (for wealth accumulation) with the ABSLI Guaranteed Annuity Plus (for pension/annuity income) under one structured plan called the ABSLI Vision Retirement Solution. �
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🧩 What This Combo Does
The ABSLI Vision Retirement Solution is designed to provide:
📈 1. Wealth Growth + Market-Linked Income (ULIP – Wealth Infinia)
This is a unit-linked insurance plan (ULIP) that invests in market-linked funds (equity/debt).
It offers potential wealth growth, subject to market performance.
You can use features like systematic withdrawal facility to generate periodic cash flow from the ULIP portion. �
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💰 2. Guaranteed Pension/Annuity (Guaranteed Annuity Plus)
This is a non-linked, non-participating annuity plan that gives you a guaranteed income for life (or for chosen options) at retirement. �
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Multiple payout options (level, increasing, joint life, return of premium, deferred annuity etc.) are available. �
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🔄 How the Combination Works
Instead of buying the two separately, ABSLI lets you combine them under the Vision Retirement Solution where:
✔ You decide the allocation of premium between the two parts:
📌 Option 1: 60% into Guaranteed Annuity Plus + 40% into Wealth Infinia
📌 Option 2: 50% into each component
📝 You choose this split at the start and it cannot be changed later. �
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Example:
If you invest ₹5,00,000:
In the 60:40 option → ₹3,00,000 goes towards Guaranteed Annuity Plus
₹2,00,000 goes into Wealth Infinia ULIP funds. �
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🎯 Benefits of This Structure
👍 Guaranteed Pension
The Guaranteed Annuity Plus part buys you an annuity stream that pays regular lifelong income (monthly/quarterly/annual). �
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📊 Market-Linked Growth
The Wealth Infinia ULIP portion allows you to participate in equity/debt markets for higher growth potential and flexibility of withdrawals. �
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🔄 Balanced Retirement Income
You get dual retirement income streams:
✔ A fixed, guaranteed pension for security
✔ A flexible, potentially growing market-linked component for inflation protection
🪙 Death / Legacy Benefits
The combo plan also provides death benefits to your nominee during both accumulation and pension phases (subject to plan terms). �
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💡 Things to Know Before You Buy
🔸 Market risk applies to the ULIP portion — returns are not guaranteed. �
🔸 The annuity income is guaranteed once the annuity plan is purchased but depends on the premium paid for that component. �
🔸 This combination is designed specifically for retirement planning with a longer time horizon and is not a short-term investment. �
🔸 Charges in ULIPs (fund management, policy administration) can affect net returns — read the policy brochure carefully. �
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Aditya Birla Sun Life Insurance
Aditya Birla Sun Life Insurance
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📌 In Summary
ABSLI Vision Retirement Solution =
➡️ ABSLI Wealth Infinia ULIP (wealth accumulation + potential systematic withdrawals)
ABSLI Guaranteed Annuity Plus (guaranteed lifetime pension income)
✔ With allocation choices like 50:50 or 60:40 between annuity and ULIP. �
Aditya Birla Sun Life Insurance