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Aditya Birla Sun Life · 109N153V02

Aditya Birla Sun Life Super Term Plan

Aditya Birla Sun Life Super Term Plan (IRDAI UIN 109N153V02) is a term life insurance plan for people aged 18 to 65 at entry, with cover up to age 85.

Premiums depend on age, cover, city, health and the options you choose. Where the insurer published a premium, the figure shown is for the exact profile stated next to it; your premium will differ. Comparezi does not sell insurance or give advice: check the insurer's prospectus and policy wording, which prevail.

In short

Aditya Birla Sun Life Super Term Plan is a term life insurance plan from Aditya Birla Sun Life. Key specifications: maximum entry age 65 years, maximum maturity age 85 years, death claims settled (insurer) 98.65%.

Sample premium ₹19,400 a year*

*For: Male, standard life, non-smoker, age 30, Sum Assured Rs 1,00,00,000, cover till age 85 (55-year term, not the 30-year profile), Regular Pay, annual frequency, Level Cover option, death benefit lumpsum; premium excluding taxes and first-year discount, if any. Brochure gives no 30-year-term figure.. Your premium will differ.

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Maximum entry age
65 years
Maximum maturity age
85 years
Death claims settled (insurer)
98.65%

Pros

  • Return-of-premium option available

Full specifications

Eligibility

Minimum entry age 18 years
Maximum entry age 65 years
Maximum maturity age 85 years
Policy term Regular Pay: 10 to 55 years; Limited Pay: PPT + 5 years to 55 years
Minimum sum assured ₹25,00,000
Maximum sum assured No Limit (subject to Board Approved Underwriting Policy)

Plan

Plan options Level Cover, Increasing Cover, Level Cover with Return of Premium
Premium payment Limited Pay (Plan Option 1 & 2: 5, 7, 10, 12, 15, 20 years and To age 60; Plan Option 3: 5, 10 & 15 years), Regular Pay; Annual / Semi-Annual / Quarterly / Monthly
Return of premium option Yes
Death benefit payout Lumpsum; Monthly Income for 10/15/20 years; Partly as Lumpsum and Partly as Monthly Income for 10/15/20 years
Riders ABSLI Accidental Death and Disability Rider (UIN: 109B018V03), ABSLI Critical Illness Rider (UIN: 109B019V03), ABSLI Surgical Care Rider (UIN: 109B015V03), ABSLI Hospital Care Rider (UIN: 109B016V03), ABSLI Accidental Death Benefit Rider Plus (UIN: 109B023V02), ABSLI Waiver of Premium (UIN: 109B017V03)
Terminal illness benefit Yes
Waiver of premium Inbuilt Waiver of Premium on Accidental Total and Permanent Disability (life insured aged up to 70); brochure variant table also shows 'WOP on TI & ATPD' for all three options; ABSLI Waiver of Premium rider (CI or disability) optional

Premium

Sample annual premium ₹19,400
Sample premium is for Male, standard life, non-smoker, age 30, Sum Assured Rs 1,00,00,000, cover till age 85 (55-year term, not the 30-year profile), Regular Pay, annual frequency, Level Cover option, death benefit lumpsum; premium excluding taxes and first-year discount, if any. Brochure gives no 30-year-term figure.

Insurer

Death claims settled (insurer) 98.65%
Claims figures for FY 2024-25: individual death claims paid out of claims decided and pending, by number, computed from IRDAI Handbook on Indian Insurance Statistics (Table 15)
IRDAI UIN 109N153V02

About the Super Term Plan

Aditya Birla Sun Life Super Term Plan (IRDAI UIN 109N153V02) is a term life insurance plan for people aged 18 to 65 at entry, with cover up to age 85. It is one of 29 term life insurance plans on Comparezi, from Aditya Birla Sun Life.

Information only. Comparezi does not sell insurance, does not give advice and is not paid by insurers. The policy wording issued by the insurer prevails over this summary.

Eligibility and cover

  • Entry age: 18 to 65 years
  • Maximum maturity age: 85 years
  • Policy term: Regular Pay: 10 to 55 years; Limited Pay: PPT + 5 years to 55 years
  • Minimum sum assured: ₹25,00,000
  • Maximum sum assured: No Limit (subject to Board Approved Underwriting Policy)

Plan options

  • Options: Level Cover, Increasing Cover, Level Cover with Return of Premium
  • Premium payment: Limited Pay (Plan Option 1 & 2: 5, 7, 10, 12, 15, 20 years and To age 60; Plan Option 3: 5, 10 & 15 years), Regular Pay; Annual / Semi-Annual / Quarterly / Monthly
  • Return of premium: Covered
  • Death benefit payout: Lumpsum; Monthly Income for 10/15/20 years; Partly as Lumpsum and Partly as Monthly Income for 10/15/20 years
  • Riders: ABSLI Accidental Death and Disability Rider (UIN: 109B018V03), ABSLI Critical Illness Rider (UIN: 109B019V03), ABSLI Surgical Care Rider (UIN: 109B015V03), ABSLI Hospital Care Rider (UIN: 109B016V03), ABSLI Accidental Death Benefit Rider Plus (UIN: 109B023V02), ABSLI Waiver of Premium (UIN: 109B017V03)
  • Terminal illness benefit: Covered
  • Waiver of premium: Inbuilt Waiver of Premium on Accidental Total and Permanent Disability (life insured aged up to 70); brochure variant table also shows 'WOP on TI & ATPD' for all three options; ABSLI Waiver of Premium rider (CI or disability) optional

How it compares on Comparezi

Of the 27 term life insurance plans on Comparezi with a stated maximum maturity age, 11 have a longer one and 10 have the same.

Premium

It depends on your age, cover, city and options. Aditya Birla Sun Life's own published premium table gives ₹19,400 a year for this profile: Male, standard life, non-smoker, age 30, Sum Assured Rs 1,00,00,000, cover till age 85 (55-year term, not the 30-year profile), Regular Pay, annual frequency, Level Cover option, death benefit lumpsum; premium excluding taxes and first-year discount, if any. Brochure gives no 30-year-term figure. Your premium will differ; get a quote from the insurer.

About the insurer

Aditya Birla Sun Life paid 98.65% of individual death claims in FY 2024-25 (by number of claims, computed from IRDAI's published claim counts).

Similar plans from other insurers

Sources

Checked 6 November 2026. Values the documents do not state are left out rather than estimated. See how Comparezi checks data.

Alternatives

Alternatives to the Super Term Plan

All term life insurance →

Ageas Federal Life

iSecure Plan

  • 65 years Maximum entry age
  • 85 years Maximum maturity age
  • 98.52% Death claims settled (insurer)
Sample premium ₹14,640 a year*

Bajaj Life

iSecure II

  • 65 years Maximum entry age
  • 85 years Maximum maturity age
  • 99.29% Death claims settled (insurer)
Sample premium ₹13,451 a year*

Bandhan Life

iTerm Prime

  • 65 years Maximum entry age
  • 85 years Maximum maturity age
  • 99.73% Death claims settled (insurer)
Sample premium ₹9,453 a year*

Head to head

Compare the Super Term Plan

Questions

Super Term Plan FAQs

It depends on your age, cover, city and options. Aditya Birla Sun Life's own published premium table gives ₹19,400 a year for this profile: Male, standard life, non-smoker, age 30, Sum Assured Rs 1,00,00,000, cover till age 85 (55-year term, not the 30-year profile), Regular Pay, annual frequency, Level Cover option, death benefit lumpsum; premium excluding taxes and first-year discount, if any. Brochure gives no 30-year-term figure. Your premium will differ; get a quote from the insurer.

109N153V02. The UIN identifies the exact product version filed with IRDAI; check it on your policy documents.

From 18 years to 65 years; limits can differ by plan option.

Up to age 85 at most; the limit can differ by plan option.

Yes, as an option or variant; the base cover pays only on death.

98.65% of individual death claims were paid in FY 2024-25, by number of claims, computed from IRDAI's published claim counts. It is an insurer-wide figure, not one for this plan.

ABSLI Accidental Death and Disability Rider (UIN: 109B018V03), ABSLI Critical Illness Rider (UIN: 109B019V03), ABSLI Surgical Care Rider (UIN: 109B015V03), ABSLI Hospital Care Rider (UIN: 109B016V03), ABSLI Accidental Death Benefit Rider Plus (UIN: 109B023V02), ABSLI Waiver of Premium (UIN: 109B017V03).

Data sources

  • Manufacturer official pages

Last updated

Product details

Disclosure

Links to insurers are not paid. Comparezi earns only from labelled ads, which never affect the Comparezi Score, the order of insurers, or the price shown, which is what the insurer listed when we checked.

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