Aditya Birla Term Insurance: Review & Plans

Overview

Aditya Birla Sun Life Insurance (ABSLI) is an insurer established in 2000 that offers plans designed to provide high life coverage at affordable premiums. Its top Aditya Birla Term Insurance plans include ABSLI DigiShield Plan and ABSLI Super Term Plan, with features like the spouse cover, health management services, and premium breaks.

A 25-year-old male from Delhi pays ₹11,700 per year (until age 70) for a ₹1 crore cover under the ABSLI Super Term Plan. Aditya Birla also recorded a three-year average claim settlement ratio (CSR) of 98.45% in FY 2022–25, indicating a strong track record of claim settlement.

This guide explains whether Aditya Birla Term Insurance should be your top choice among insurers.

Aditya Birla Sun Life Insurance is one of India’s established private insurers, backed by Sun Life Financial Inc., a leading international financial services organization based in Canada. The company serves over 2.9 million customers nationwide across 445+ branches.

In this article, we will explain everything you need to know about Aditya Birla Term Insurance, including its key plans, their features, and premium comparisons.

Aditya Birla Term Insurance: Performance Metrics

Metrics (Average of FY 2022-25)	Aditya Birla Sun Life Insurance	Industry Average
Claim Settlement Ratio (CSR)	98.45%	98.66% (Mean)
Amount Settlement Ratio (ASR)	94.34%	94.83% (Mean)
Average Complaints Received Per 10,000 Claims	2.33	17.67 (Median)
Annual Business / Gross Written Premium (in Crore)	₹8,664	₹3,411.73 (Median)
Solvency Ratio	1.79x	2.04x (Median)

Note: These metrics are for the life insurer as a whole, not just the term insurance segment. However, they remain relevant to term insurance, providing a broad view of the insurer’s performance.

Key Insights

CSR: Aditya Birla Term Insurance’s CSR is slightly below the industry average. While this is not a significant shortfall in absolute terms, buyers comparing ABSLI to top performers like Axis Max Life should note this gap.
ASR: The payout ratio is slightly lower than the industry average, indicating that while the insurer settles a high number of claims, the total claim amount paid out is comparatively lower than peers.
Complaints Per 10,000 Claims: Complaints are significantly lower than the industry median, indicating excellent servicing and claims experience.
Annual Business Volume: With ₹8,664 crore in premiums, the company operates at a scale larger than the industry median of ₹3,411.73 crore.
Solvency Ratio: The insurer has a strong solvency ratio of 1.79x, well above the IRDAI requirement of 1.5x, indicating it maintains a healthy financial buffer to meet future claim obligations.

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Top Term Plans Offered by Aditya Birla Term Insurance

1) ABSLI DigiShield Plan

Ideal for: Individuals or families looking for a flexible, highly customizable term plan with income payout options and coverage that extends up to age 100.

Sum Assured: Starts from ₹30 lakh with no fixed upper limit, subject to underwriting approval.

Key Features

Additional riders for enhanced protection
Joint Life option to include your spouse
Advance payout on terminal or critical illness diagnosis (covers 42 illnesses)
Return of Premium (ROP) if you outlive the policy term
Survival income from age 60 for a stress-free retirement
Flexible payout options: lump sum, monthly income, or both
Coverage up to 100 years of age (whole life)
10 plan options to suit different protection needs

Takeaway: ABSLI DigiShield is the flagship plan from Aditya Birla Sun Life Insurance. It is best for buyers who understand exactly which option they are choosing. However, the plan is not ideal for someone who wants a simple one-option policy.

2) ABSLI Super Term Plan

Ideal for: Individuals or families looking for a term plan that combines life, health, and income protection with built-in wellness tracking and quick claim settlements.

Sum Assured: Starts from ₹25 lakh, with the upper limit determined based on underwriting assessment.

Key Features

100% return of premium at policy maturity under the ROP option
Includes health management services valued at ₹74,000
Option to defer premium payments for up to 12 months without losing coverage
10% off on the first-year premium for salaried customers and women
Three plan options, namely Level Cover, Increasing Cover, or Level Cover with Return of Premium (ROP)

Takeaway: ABSLI Super Term Plan competes closely with peers such as HDFC Life Click2Protect Supreme Plus and Axis Life Smart Term Plan Plus, making it a solid choice for comprehensive and adaptable protection.

ABSLI Salaried Term Plan

Ideal for: Salaried individuals and young professionals seeking affordable, flexible life protection with income-based discounts and multiple payout options to secure their family’s financial future.

Sum Assured: Minimum ₹25 lakh, with no upper limit (subject to the insurer’s board-approved underwriting policy)

Key Features:

Exclusively designed for salaried professionals
One-time discount up to 9%
4 plan options with customization features
Death benefit payout options that allow you to choose between a lump-sum payout or a monthly income, either fixed or increasing
Pay your premiums within your budget, choosing from a range of premium payment terms
Additional protection with a built-in terminal illness benefit
Accelerated payout in case the life insured is diagnosed with any of the 42 specified critical illnesses by choosing the Accelerated Critical Illness Benefit

Takeaway: ABSLI Salaried Term Plan is for individuals seeking long-term income stability for their families. The rising monthly income option (5% or 10% annual increase) makes it one of the most practical and family-focused term plans in its category.

For a detailed list of plans offered by Aditya Birla Sun Life Insurance, refer to its official page.

Top 5 Term Insurance Companies in India

Rank	Insurer	Ditto Insurer Score (5-point scale)
1	Axis Max Life Insurance Co. Ltd	4.9
2	HDFC Life Insurance Co. Ltd	4.55
3	ICICI Prudential Life Insurance Co. Ltd.	4.45
4	Bajaj Life Insurance Co. Ltd	4.45
5	SBI Life Insurance Co. Ltd.	4.45

As of 2026, Aditya Birla Term Insurance is not included in the top 5 rankings category of the best term companies in India.

Premium Comparison for Aditya Birla Term Insurance Plans

Age	Premiums (Male)	Premiums (Female)
25	₹11,700	₹9,996
30	₹13,900	₹11,466
35	₹18,000	₹13,720
40	₹23,800	₹17,640

These illustrative premiums are for the ABSLI Super Term Plan. They have been calculated for a ₹1 crore sum assured, with coverage until age 70, for a non-smoker profile (male and female). The figures exclude first-year discounts (second-year premiums).

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Conclusion

Aditya Birla Sun Life Insurance offers flexible coverage options, a customer-centric claims process, and useful features such as life-stage-based protection and advance payouts for terminal and critical illnesses.

While the brand enjoys strong credibility, ABSLI remains a mid-sized insurer compared to larger players such as HDFC Life and ICICI Prudential. Its claim settlement ratio is solid but slightly lower than top performers like Axis Life and Bajaj Life.

One of its policies, the ABSLI Super Term Plan, also features in our list of the best term plans in India. You can refer to the same guide if you want to choose other policies with better performance metrics.

Overall, ABSLI offers a reliable, well-rounded term insurance option, though it does not currently lead the market in any single category.

Frequently Asked Questions

Is Aditya Birla Term Insurance a good choice?

Aditya Birla Sun Life Insurance (ABSLI) is a well-established private insurer that has been operating since 2000. It is backed by a joint venture between the Aditya Birla Group and Canada’s Sun Life Financial Inc. The company demonstrates strong financial stability, with a solvency ratio of 1.79x, exceeding the IRDAI requirement of 1.5x. With over 2.9 million customers nationwide, they offer reliable term plans such as the DigiShield and Super Term Plan, making them a solid, trustworthy option for long-term financial security.

Which is the best Aditya Birla term plan?

The ABSLI DigiShield Plan is generally considered their flagship offering and is ideal for those needing high customization. It offers significant flexibility, with features such as coverage up to age 100 and multiple payout options, including lump-sum or monthly income. Additionally, it provides a survival income from age 60 and an advance payout option for terminal or critical illnesses, covering 42 specific conditions. This makes it a comprehensive choice for individuals seeking protection tailored to their specific lifestyle needs.

Is there a special term plan for salaried employees?

Yes, the ABSLI Salaried Term Plan is specifically designed for working professionals seeking affordable and flexible protection. This plan offers a one-time discount of up to 9% for eligible salaried customers. It includes valuable features such as an accelerated payout if the insured is diagnosed with one of 42 specified critical illnesses. Additionally, policyholders can choose between lump-sum payouts and monthly income options, with a 5% or 10% increase in income to combat inflation.

Does Aditya Birla Term Insurance include health benefits?

The ABSLI Super Term Plan is specifically designed to combine life, health, and income protection, making it a comprehensive choice for families. One of its standout features is health management services valued at ₹74,000, which provide added value beyond traditional life coverage. The plan also offers three distinct options: Level Cover, Increasing Cover, or Level Cover with Return of Premium (ROP), which ensures a 100% return of premiums at policy maturity if you outlive the policy term.

Are there many complaints against Aditya Birla Term Insurance?

Aditya Birla Sun Life Insurance maintains a strong reputation for customer service, with significantly fewer complaints than the industry median. The company records approximately 2.33 complaints per 10,000 claims, which is notably lower than the industry median of 17.67. This low complaint volume suggests an efficient claims experience and high levels of customer satisfaction, indicating that the company prioritizes smooth resolution and support throughout the policy lifecycle, which is a crucial factor when choosing a reliable life insurance

partner.

How do I access the Aditya Birla Term Insurance login?

You can easily access the Aditya Birla Term Insurance login portal by visiting the official website of Aditya Birla Sun Life Insurance. Once there, look for the ‘Login’ section for customers to view your policy details, pay premiums, or track claim status. It is recommended to keep your policy number and registered mobile number handy for a smooth authentication process. If you face any issues, their customer support team or the WhatsApp chat option is usually available to guide you through the steps for digital access.

Is Aditya Birla better than other term insurance companies?

Aditya Birla Sun Life Insurance is a reliable, mid-sized insurer, though it is not currently ranked among the top 5 term insurance companies in India as of 2026. Competitors like Axis Life, HDFC Life, and ICICI Prudential often hold higher market positions and sometimes superior performance metrics. While ABSLI offers competitive plans like DigiShield with flexible payouts, it is helpful to compare these with top-tier players to see which specific benefits, such as premium costs or claim settlement speed, best align with your family's unique financial needs.

Is Aditya Birla financially stable?

Yes, Aditya Birla Sun Life Insurance demonstrates sound financial health and consistent growth, as evidenced by annual business volume exceeding ₹8,664 crore for FY 2022–2025, which is well above the industry median of ₹3,411.73 crore, highlighting its position as a substantial player in the market. Additionally, with a strong solvency ratio of 1.79x, the company maintains a healthy financial buffer that exceeds IRDAI's mandatory requirement of 1.5x, ensuring it is well prepared to meet future claim obligations.

What is the Aditya Birla Term Insurance claim settlement ratio?

Aditya Birla Sun Life Insurance reported a CSR of 98.74% for FY 2024-25. The insurer has shown steady performance over the last three years, with an average CSR of 98.45% between FY 2022-25. This consistency highlights ABSLI’s reliability in settling valid term insurance claims on time. A CSR of 97% or above is generally considered strong, as it indicates that the insurer clears most of the claims it receives. However, it doesn’t guarantee that every claim will be approved. Claims can still be declined if disclosures are incomplete, documents are missing, or the cause of death falls under policy exclusions.

Does Aditya Birla Term Insurance provide any women-specific products?

While most insurers offer women a small premium discount and move on, ABSLI has built an entire women-first insurance suite called the "Her" initiative. It covers every stage of a woman's financial life. This includes Her Care (term protection), Her Nishchit (savings), Her Assurance (endowment), Her Retirement (pension), and Her Growth (ULIP). It's one of the most comprehensive women-specific product lineups from any private life insurer in India.

Last updated on: 5 May, 2026