ABSLI Wealth Infinia Review: Is This ULIP Worth It?

Overview

ABSLI Wealth Infinia is a unit-linked, non-participating individual life insurance savings plan from Aditya Birla Sun Life Insurance.

Key Features and Variants

Milestone Variant: Provides coverage up to age 85.
Legacy Variant: Provides whole-life coverage up to age 100.
Wealth Boosters and Loyalty Additions: The plan provides additional units at specified intervals, which can increase the overall fund value.
Return of Charges: Eligible mortality and premium allocation charges are returned to the policy fund at maturity, subject to policy terms.
Investment Choices: Policyholders can choose from 20 funds and 5 investment strategies based on their risk appetite and investment preferences.

Withdrawal and Liquidity

Five-Year Lock-In: Withdrawals are not allowed during the first five policy years.
Partial Withdrawals: After the lock-in period, partial withdrawals are allowed subject to policy conditions.
Systematic Withdrawal Facility (SWF): The plan offers a facility for structured withdrawals from the fund value to meet recurring financial needs.

Building long-term wealth while creating a financial legacy can be challenging when you want both market-linked growth and life insurance. Wealth Infinia by Aditya Birla Sun Life Insurance combines these elements, but you need to understand its variants, charges, liquidity, and investment options before considering it.

This guide breaks down Wealth Infinia in simple terms, covering its charges, benefits, drawbacks, and whether it fits your financial goals.

What Is the ABSLI Wealth Infinia Plan?

ABSLI Wealth Infinia (UIN: 109L129V03) is a Unit-Linked Insurance Plan (ULIP) that combines life insurance with market-linked investments. It offers 5 investment strategies and 20 fund options, giving policyholders flexibility to align their investments with their financial goals and risk appetite.

For detailed information on each investment strategy and funds offered, refer to page 5 and pages 6 to 8 of the official ABSLI Wealth Infinia policy brochure, respectively.

Note: ABSLI Wealth Infinia has five premium bands based on your annualized premium. Think of them as pricing and benefit tiers. Higher bands may offer better allocation charges and earlier or larger additions, but they do not improve the underlying fund performance.

ABSLI Wealth Infinia Variants: Milestone Versus Legacy

Milestone is a goal-based ULIP with a 10- to 30-year horizon, while Legacy is designed for ultra-long-term wealth creation until age 100. The key differences include the investment horizon, premium payment structure, charges, and how additions are credited.

Eligibility Criteria

Feature	Milestone	Legacy
Premium Payment Term (PPT)	Single pay, limited pay (5 years to 12 years), and regular pay (10 years to 30 years)	Single pay and limited pay (5 years to 20 years)
Entry Age	30 days to 65 years	30 days to 65 years (45 years for 5 pay, 55 years for 6 pay, and 60 years for 7 pay)
Maturity Age	18 years to 85 years	100 years
Policy Term	10 years to 30 years	100 years (minus entry age)
Minimum Sum Assured	₹6.25 lakh (single pay) and ₹14 lakh (limited and regular pay)	₹6.25 lakh (single pay) and ₹3.5 lakh (limited pay)

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Key Features of ABSLI Wealth Infinia: Loyalty Additions, Wealth Boosters, and Fund Options

Loyalty Additions: Additional units are credited to your policy when all due premiums have been paid. The amount is calculated as a percentage of the fund value and depends on the variant, premium band, and PPT. Loyalty Additions do not apply to single pay policies under either variant
Wealth Boosters: Additional units are added from the end of the 10th policy year and every five years thereafter, provided you pay all due premiums. The benefit depends on the variant, premium band, and PPT.
Fund Choices: The plan offers multiple investment options, including Liquid Plus and Income Advantage, giving you flexibility to choose from 20 fund options based on your investment preferences.
Death Benefit: If the policy is in force, the nominee receives the highest of the fund value on the date of death intimation, the sum assured after applicable reduction for partial withdrawals made in the preceding two years, or 105% of total annualized premiums/single premium received, again adjusted for applicable withdrawals.

Note: For limited and regular pay policies, the sum assured can generally be 7× or 10× the annualized premium, while single pay uses 1.25× the single premium.

Charges in ABSLI Wealth Infinia and What the Return of Charges Actually Gives Back

Premium Allocation Charge

This charge is deducted from each premium before the remaining amount is invested in your chosen funds. The applicable charge is guaranteed throughout the policy term and depends on the variant and PPT.

Fund Management Charge

This charge is deducted through an adjustment to the fund's daily Net Asset Value (NAV). It can vary by fund but is capped at 1.35% per year.

Mortality Charge

This charge covers the life insurance component and is deducted monthly by redeeming units. It is calculated based on the sum at risk, which is the excess of the death benefit over the fund value. For more details of charges deducted, refer to page 11 of the policy brochure.

Return of Charges

At maturity, the plan adds back an amount equal to the total premium allocation charges and mortality charges deducted during the policy term, provided all due premiums have been paid. This amount is added to your fund value, subject to the policy terms.

ABSLI Wealth Infinia Sample Premium and Maturity Illustration

Aspect	Milestone	Legacy
Annual Premium	₹2 lakh	₹5 lakh
Premium Duration	10 years	10 years
Total Premiums	₹20 lakh	₹50 lakh
Policy Term	20 years	65 years
Sum Assured on Death	₹20 lakh	₹50 lakh
Maturity @ 4% Returns	₹32.31 lakh	₹3.31 crore
Maturity @ 8% Returns	₹58.41 lakh	₹33.64 crore
IRR @ 4% Scenario	3.12% p.a.	3.17% p.a.
IRR @ 8% Scenario	7.03% p.a.	7.17% p.a.

Note: The figures above are based on an illustrative example from the official policy brochure. The example assumes an entry age of 35 opting for the Maximiser fund.

Under standard ULIP plans, the 8% illustrated return often works out to around 6% net after accounting for applicable ULIP charges. In this plan, however, the impact of charges is partly offset by the absence of a policy administration charge, along with the return of eligible mortality and premium allocation charges at maturity.

Even so, it does not compensate for the investment growth those amounts could have generated if they had remained invested in the fund.

ABSLI: Performance Metrics

Metric	Average (FY 2024-26)	Industry Average
Claim Settlement Ratio (CSR)	98.70%	99.00% (Mean)
Amount Settlement Ratio (ASR)(Average FY 2023-25)	94.31%	94.83% (Mean)
Annual Business Volume (in Crore)	₹10,303.08	₹3,778.58 (Median)
Volume of Complaints (Per 10,000 Claims)	1.33	13.10 (Median)
Solvency Ratio	1.82x	2.00x (Median)
Annual Death Claims Paid (in Crore)	₹581.30	₹237.24 (Median)

Note: The figures in the table represent the insurer’s overall performance and are not specific to their ULIP products. The data is based on Aditya Birla Sun Life’s public disclosures and IRDAI annual reports. For more data like this, explore the Ditto Data Lab.

Pros and Cons of ABSLI Wealth Infinia

Pros

Wide Investment Choice: 20 funds and five investment strategies offer flexibility to build and adjust your portfolio based on your goals and risk appetite. For exact details of the investment options, explore page 5 of the policy brochure.
No Policy Administration Charge: The plan avoids one common ULIP charge, which can help improve overall cost efficiency.
Return of Eligible Charges: Eligible mortality and premium allocation charges are added back at maturity, provided you meet the policy conditions.
Free Fund Switching: You can rebalance your investments between available funds without exiting the policy. There is no limit on the number of switches under the Self-Managed Investment Option, but the switched amount should be at least ₹5,000.
Later-Stage Liquidity: Partial withdrawals and the SWF provide some flexibility after the applicable lock-in period.
Tax Benefits: Eligible premiums qualify for a tax deduction under Section 123, formerly Section 80C, under the old tax regime, subject to applicable limits, conditions, and prevailing tax laws. The maturity exemption under Section 11, read with Schedule II (previously Section 10(10D)), is subject to policy terms and conditions.

Cons

Five-Year Lock-In: You cannot access your money freely during the initial ULIP lock-in period, making it unsuitable for short-term goals.
Complexity: Understanding funds, charges, sum assured, taxation, lock-in, and maturity benefits requires more effort than combining term insurance with straightforward investments.
Legacy May Be Too Long: A policy designed to continue until age 100 may not align with someone whose primary financial goals are retirement or children's education.
SWF Is Not Guaranteed Income: Systematic withdrawals come from your own market-linked fund value and can reduce the corpus over time.
Return Optimiser Can Limit Upside: Automatic de-risking after market gains may reduce participation if equity markets continue rising strongly.
Inadequate Life Cover: A high premium does not automatically mean adequate protection. Evaluate the sum assured separately from the investment component. At Ditto, we often see that the life cover needed by a person is at least ₹1 crore. However, your ideal sum assured should also account for inflation, outstanding liabilities, and other factors. Use the Ditto cover calculator for a rough estimate of your required life cover.

Instead of investing in a ULIP, allocate funds separately for pure insurance protection and investment avenues like mutual funds. Since ULIPs are expensive, it’s better to purchase a term plan at affordable premiums and invest the rest. Take a look at the infographic that compares ULIPs with term insurance plus mutual funds.

Who Should Buy ABSLI Wealth Infinia?

Who Could Buy Wealth Infinia	Who Should Avoid Wealth Infinia
Has adequate separate life and health insurance and does not rely on Wealth Infinia as the primary protection product.	Primarily wants life insurance and would be better served by a separate pure term insurance policy.
Has a genuinely long investment horizon and can remain invested through market cycles without needing early liquidity.	Needs access to the money within five years because of the ULIP lock-in and limited early liquidity.
Understands ULIP mechanics, market risk, fund allocation, charges, and the difference between illustrated returns and guaranteed benefits.	Wants guaranteed wealth or predictable returns because the investment component is market-linked and returns are not assured.
Is comfortable with the five-year lock-in and has no foreseeable need for significant liquidity during the initial years.	Needs high liquidity or flexible access to investments and does not want to remain committed to a long-term insurance contract.

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Conclusion

Aditya Birla Sun Life Insurance ULIPs like Wealth Infinia may suit buyers who are finding it difficult to purchase a term plan due to eligibility reasons. ABSLI Wealth Infinia has a relatively competitive charge structure for long-term investors who remain invested until maturity.

At Ditto, we do not recommend ULIPs because combining protection and investments can be less efficient and harder to evaluate. If you prefer ABSLI as an insurer, consider ABSLI Super Term Plan. Alternatively, compare it with the best term insurance plans in India.

Frequently Asked Questions

Is ABSLI Wealth Infinia a good ULIP for long-term wealth creation?

ABSLI Wealth Infinia can suit investors seeking a long-term ULIP with multiple funds, investment strategies, loyalty additions, and charge-return features. However, it remains market-linked and carries investment and insurance costs. Evaluate the net IRR, charges, lock-in, and tax treatment before deciding whether it suits your goals.

Does ABSLI Wealth Infinia return premium allocation and mortality charges if I surrender early?

No. The return of eligible premium allocation charges and mortality charges is linked to maturity, subject to the policy conditions and payment of all due premiums. Surrendering the policy early does not provide the same charge-return benefit. Therefore, the maturity benefit should not be treated as an immediate refund facility.

Why would anyone choose the Legacy variant that runs until age 100?

The Legacy variant is primarily relevant for someone with an intentional estate-planning or legacy objective. Its extended policy duration can provide a long-term investment and tax-exempt payout for the nominee and life-cover structure. The death benefit is generally fully exempt, while the maturity benefit is exempt only if the ULIP-specific Section 10(10D) conditions are satisfied. However, if your goal is retirement, children's education, or another time-bound objective, a policy extending to age 100 may not be the most suitable structure.

How many times can I switch funds, and does switching cost anything?

The plan provides fund-switching flexibility, allowing you to move your existing fund value between available investment options. Under the Self-Managed strategy, you can make unlimited fund switches during the policy year, with no switching charge. Each switch must be for at least ₹5,000. Other investment strategies may have different switching limits, allocation rules, and applicable conditions.

When do Wealth Boosters actually get credited?

Wealth Boosters are credited as additional units from the end of the 10th policy year and every five years thereafter, subject to the applicable policy conditions. The amount is calculated as a percentage of fund value and depends on factors such as the variant, premium band, and PPT.

Does the return of charges include the GST I paid?

No. The return of charges benefit does not include applicable taxes, cesses, or levies charged on premium allocation charges or mortality charges. GST for individual policies has been removed since September 22, 2025. Extra mortality charges are also excluded. Only the eligible charges specified in the policy are added back at maturity, subject to the policy meeting the applicable conditions.

What happens if I stop paying premiums during the five-year lock-in?

If you stop paying premiums on a limited pay or regular pay policy during the first five policy years, and the premium remains unpaid after the grace period, the policy enters discontinuance. After applicable discontinuance charges, the fund value moves to the linked discontinued policy fund, while the base and rider covers cease. You have a three-year revival period to restore the policy, subject to applicable conditions. If you do not revive it, the discontinued fund proceeds are paid after the lock-in period, and the policy terminates.

Is the maturity benefit from ABSLI Wealth Infinia tax-free?

Not necessarily. The maturity exemption under Section 11, read with Schedule II (previously Section 10(10D)), is subject to applicable conditions. For ULIPs issued on or after February 1, 2021, conditions include the ₹2.5 lakh aggregate annual premium limit across eligible ULIPs and the applicable premium-to-sum assured ratio. Therefore, do not assume the maturity benefit is automatically tax-free. Check the policy's specific tax eligibility and prevailing tax rules before investing. Death benefit payout for the nominee remains tax-exempt.

What riders are available with ABSLI Wealth Infinia?

ABSLI Wealth Infinia offers several optional riders, subject to eligibility and policy terms. These include the accidental death benefit rider plus, waiver of premium rider, comprehensive critical illness rider covering up to 64 illnesses, and suraksha term rider and suraksha term rider plus. At Ditto, we recommend the waiver of premium and critical illness riders as they offer real protection.

How do partial withdrawals work in ABSLI Wealth Infinia?

You can make unlimited partial withdrawals after five complete policy years or once the life insured turns 18, whichever is later. The minimum withdrawal is ₹5,000, while total withdrawals in a policy year cannot exceed 50% of the fund value. A minimum fund value must also be maintained to keep the policy active, and a single partial withdrawal cannot exceed 25% of the fund value.

Last updated on: 27 Aug, 2026

ABSLI Wealth Infinia Review: Features, Charges & Returns