Aditya Birla Sun Life Insurance Vision Retirement Solution
Secure your retirement with guaranteed income and long-term wealth creation
Overview
ABSLI Vision Retirement Solution is a smart retirement planning solution that combines guaranteed lifelong income with market-linked wealth growth.
This plan is designed for individuals who want a financially independent and worry-free retirement with life insurance protection.
It is a combination of two powerful plans:
ABSLI Guaranteed Annuity Plus
ABSLI Wealth Infinia Plan
Plans Included in the Solution
ABSLI Guaranteed Annuity Plus
ABSLI Wealth Infinia Plan
Non-linked, non-participating annuity plan
Provides guaranteed deferred annuity income
Option for Return of Premium
Ensures regular income after retirement
Unit Linked Insurance Plan (ULIP)
Helps in long-term wealth creation
Market-linked returns
Legacy variant available for wealth transfer
Investment risk borne by the policyholder
How the Plan Works
1st Instalment includes premiums for both:
Guaranteed Annuity Plus
Wealth Infinia Plan
From 2nd instalment onwards, income generated from the annuity plan is used to fund the Wealth Infinia premium
If income is insufficient, policyholder must pay the balance premium to keep the plan active
This structure helps build retirement income + investment corpus together
Key Benefits
Guaranteed retirement income for life
Market-linked wealth growth opportunity
Life insurance coverage
Flexible premium payment options
Ideal for retirement & legacy planning
Protection against longevity risk (living longer than expected)
Eligibility Criteria
| Coverage | All Individuals (Male | Female | Transgender) |
|
Age of the Life Insured at Entry (age as on last birthday) |
Minimum: 40 years Maximum: PPT 7 – 60 years | PPT 8 & 10 – 65 years |
|
Maturity Age of the Life Insured (age as on last birthday) |
100 years |
| Premium Payment Term | 7 | 8 | 10 years |
| Deferment Term | 7 | 8 | 10 years |
| Premium Payment Mode | Annual |
| Minimum Annualized Premium |
Minimum Premium (Combo): ₹5,00,000 Minimum Premium (Guaranteed Annuity Plus): ₹2,50,000 Minimum Premium (Wealth Infinia): ₹2,00,000 Note: Only applicable for combo. |
| Maximum Annualized Premium | No Limit (subject to Board Approved Underwriting Policy) |
| Benefit Options |
Guaranteed Annuity Plus Deferred Annuity with Return of Premium Wealth Infinia Legacy Variant |
| Policy Term | Whole of Life |
| Benefit Payout Frequency | Annual | Semi-Annual | Quarterly | Monthly |
Important Information
Wealth Infinia is a market-linked insurance product
Investment risk in the investment portfolio is borne by the policyholder
Linked insurance products do not offer liquidity during the first five years
Partial withdrawal or surrender is not allowed during the lock-in period
Returns are dependent on market performance and the chosen investment funds
Tax benefits are subject to prevailing tax laws
All policy benefits are subject to the policy being in force