In an uncertain world where financial stability is crucial, having a reliable income stream along with life cover is more important than ever. The Aditya Birla Sun Life Insurance Assured Income Plus Plan (ABSLI Assured Income Plus) is designed to address these exact concerns. This non-linked, non-participating life insurance plan combines guaranteed benefits with life protection, offering much-needed peace of mind.
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| How Aditya Birla Life Insurance Solves Financial Problems with Assured Income Plus |
Let’s explore how this plan solves various financial and lifestyle problems
for individuals and families.
1. Problem: Uncertain Future Income
Many individuals worry about having
a consistent income post-retirement or after a career break. The fear of
irregular cash flow can lead to anxiety and affect long-term planning.
Solution: Guaranteed Income for a Fixed Period
The ABSLI Assured Income Plus
Plan offers guaranteed income payouts starting after the policy
term. You can choose your income frequency — monthly, quarterly,
semi-annually, or annually, ensuring flexibility. This helps build a steady
second income source for long-term goals.
2. Problem: No Financial Protection for Family in Case of Early Death
Life is unpredictable. Without
proper life cover, families are often left in financial distress after the
demise of the earning member.
Solution: Life Insurance with Assured Returns
This Aditya Birla Life Insurance
policy provides comprehensive life cover throughout the policy term. In
case of unfortunate death, the nominee receives the death benefit,
ensuring your loved ones are financially secure even in your absence.
3. Problem: No Clarity on Returns in Traditional Plans
Many traditional insurance and
savings plans offer variable returns, which makes financial planning difficult.
Solution: Predictable and Transparent Payouts
With ABSLI, the income
payouts are fixed and guaranteed. The plan offers complete transparency
about the amount and timing of benefits, helping you plan better. Unlike
market-linked products, this non-linked non-participating plan is safe
from market fluctuations.
4. Problem: Saving for Children's Education or Marriage
Long-term goals like children's
education or wedding require planned investments with guaranteed maturity
benefits.
Solution: Assured Income with Lump Sum Option
The ABSLI Assured Income Plus
plan offers both income and maturity benefits, making it ideal for
planning life events. The maturity benefit is a lump sum payout at the
end of the income period, which can be used for major expenses.
5. Problem: High Premiums in Market-Linked Plans
Unit Linked Insurance Plans (ULIPs)
may have high charges and uncertain returns. For conservative investors, this
is a major drawback.
Solution: Affordable Premiums and Flexible Payment Terms
The Aditya Birla Sun Life
Insurance policy offers flexible premium payment terms — single,
limited, or regular pay options. This makes the plan affordable for salaried
individuals and self-employed professionals.
6. Problem: Tax Burden
Many individuals are unaware of how
to optimize their tax liability through life insurance.
Solution: Tax Benefits Under Sections 80C and 10(10D)
You can claim tax deductions on
premium paid under Section 80C, and the maturity or death benefit
is tax-free under Section 10(10D), subject to prevailing tax laws.
Key Features of ABSLI Assured Income Plus Plan
- Policy Term:
10 to 24 years
- Premium Paying Term:
6, 8, or 10 years
- Income Term:
10, 12, or 15 years
- Flexible payout options: Monthly to yearly
- Guaranteed regular income + maturity benefit
Who Should Consider This Plan?
- Salaried professionals looking for fixed monthly income
- Retirees needing additional income
- Parents saving for children's future
- Business owners seeking tax-saving investments
How to Buy ABSLI Assured Income Plus
Plan?
You can easily purchase this plan
online through the official Aditya Birla Sun Life Insurance website. You can
also use the ABSLI Premium Calculator to choose the most suitable
premium and income term combination.
Conclusion: A Smart Blend of
Security and Stability
The ABSLI Assured Income Plus
Plan is more than just an insurance policy — it’s a comprehensive
solution to several financial problems. Whether you want to create an
alternate income stream, secure your family’s future, or save tax, this Aditya
Birla Life Insurance plan offers a balanced approach.
Take a step towards a financially
secure future with Aditya Birla Sun Life Insurance — where your income
is assured, and your peace of mind is guaranteed.
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