{"uin":"109L129V02","name":"ABSLI Wealth Infinia Plan","url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-wealth-infinia-plan-109l129v02","insurer":{"slug":"aditya-birla-sunlife-insurance","name":"Aditya Birla SunLife Insurance Company Limited","url":"https://indiainsurances.com/insurer/aditya-birla-sunlife-insurance"},"line":"life","category":"ulip","category_name":"ULIPs (unit-linked plans)","irdai_type":"ULIP","kind":"product","status":"active","approved_on":"2021-02-24","withdrawn_on":null,"summary":"ABSLI Wealth Infinia Plan is a unit linked life insurance policy with Milestone and Legacy variants. It has a five year lock-in, 19 fund options, no policy administration charge, and no policy loans.","analysis":{"state":"machine","analysed_at":"2026-10-19 18:11:42.929556+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["Legacy Variant","Milestone Variant"],"display":"Legacy Variant and Milestone Variant","note":null,"quote":"“Legacy Variant” refers to the plan option where life cover is available till the Life Insured turns 100 years of Age. ... “Milestone Variant” refers to a plan option wherein life cover is available for the Policy Term chosen by You.","sources":[{"clause":"22","heading":"“Legacy Variant”","page":2,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-wealth-infinia-plan-109l129v02/document/1389#c-22"},{"clause":"31","heading":"“Milestone Variant”","page":3,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-wealth-infinia-plan-109l129v02/document/1389#c-31"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"Legacy Variant runs for 100 years minus entry age. Milestone Variant runs for 10 to 30 years.","display":"Legacy: 100 years minus entry age; Milestone: 10 to 30 years","note":"From the sales brochure.","quote":"Minimum Policy Term | 100 years minus entry age | 10 years\nMaximum Policy Term | 100 years minus entry age | 30 years","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-wealth-infinia-plan-109l129v02/document/1125#c-s1"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"A death claim is required to be intimated within 90 days from the date of death. The insurer may condone delay if it is proved to be for reasons beyond the claimant's control.","display":"Death claim within 90 days from the date of death; delay may be condoned for reasons beyond the claimant's control","note":null,"quote":"The claim is required to be intimated to us within a period of 90 days from the date of death. However, we may condone the delay in claim intimation, if any, and the delay is proved to be for reasons beyond the control of the claimant.","sources":[{"clause":"5","heading":"Claim Procedures","page":28,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-wealth-infinia-plan-109l129v02/document/1389#c-5-5"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Claimant Statement Form","Original policy document","Death Certificate ( Self attested copy)","KYC Document of beneficiary ( Self attested copy)","Bank details of the beneficiary","Relationship of beneficiary with Life Insured","Medical Attendant's Certificate, if any","Hospital or treatment records, if any (Self attested copy)","Employer's Certificate (if applicable)","FIR & Final Police Closure Report","Driving License (if death while driving)","Post Mortem Report","Valid Insurance document of the vehicle (if the death is due to Road Traffic Accident)","Policy Inquest Report/Inquest Panchnama","News Paper Cutting (if any)"],"display":"Mandatory death claim documents, plus additional documents for claims within 3 years and accidental/unnatural death","note":null,"quote":"Mandatory Claim Requirements:\n1) Claimant Statement Form\n2) Original policy document\n3) Death Certificate ( Self attested copy)\n4) KYC Document of beneficiary ( Self attested copy)\n5) Bank details of the beneficiary\n6) Relationship of beneficiary with Life Insured ... 1) Medical Attendant's Certificate, if any\n2) Hospital or treatment records, if any (Self attested copy)\n3) Employer's Certificate (if applicable) Additional Requirements for Accidental/Unnatural Death:\n1) FIR & Final Police Closure Report\n2) Driving License (if death while driving)\n3) Post Mortem Report\n4) Valid Insurance document of the vehicle (if the death is due to Road Traffic Accident)\n5) Policy Inquest Report/Inquest Panchnama\n6) News Paper Cutting (if any)","sources":[{"clause":"5","heading":"Claim Procedures","page":28,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-wealth-infinia-plan-109l129v02/document/1389#c-5-5"},{"clause":null,"heading":"Additional Requirements: (Claims within 3 years from date of issue/Revival)","page":28,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-wealth-infinia-plan-109l129v02/document/1389#c-additional-requirements-claims-within-3-years-fr"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"not-stated","value":null,"display":null,"note":"The policy points to a service TAT webpage but does not print a claim settlement time.","quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["In case of death of the Life Insured due to suicide within 12 months from the Policy Issue Date or from the date of Revival of the Policy, the Nominee or the beneficiary of the Policyholder shall be entitled to the Fund Value, as available on the date of intimation of death"],"display":"Suicide within 12 months from policy issue or revival pays only the Fund Value as on date of intimation of death","note":null,"quote":"In case of death of the Life Insured due to suicide within 12 months from the Policy Issue Date or from the date of Revival of the Policy, as applicable, the Nominee or the beneficiary of the Policyholder shall be entitled to the Fund Value, as available on the date of intimation of death.","sources":[{"clause":"9","heading":"Suicide Exclusion","page":29,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-wealth-infinia-plan-109l129v02/document/1389#c-9-2"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First register the grievance with a nearest branch or the Grievance Officer at the Customer Care Unit. If dissatisfied or no response is received within 7 days, contact Head Service Assurance; if still not satisfied or no response within 14 days, approach IRDAI IGMS before the Ombudsman route.","display":"Nearest branch or Grievance Officer first; then Head Service Assurance after 7 days; then IRDAI IGMS after 14 days","note":null,"quote":"You may register Your grievance or complaint with any of Our nearest branches or with Our Grievance Officer at Customer Care Unit, Aditya Birla Sun Life Insurance Company Ltd. ... In case You are dissatisfied with the decision of the above office or have not received any response within 7 days, You may contact Head Service Assurance ... If You are not satisfied with the response or do not receive a response from Us within 14 days, You may approach the IRDAI’s Integrated Grievance Management System (IGMS)on the following contact details:","sources":[{"clause":null,"heading":"Grievance or Complaint","page":32,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-wealth-infinia-plan-109l129v02/document/1389#c-grievance-or-complaint"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_assured","label":"Sum assured","section":"Cover","meaning":"The minimum and maximum life cover, or the rule that sets it (for example 10 times the annual premium).","status":"quote-verified","value":"Minimum Sum Assured is Rs. 6,25,000 for Single Premium and Rs. 14,00,000 for Limited Pay/Regular Pay. Maximum Sum Assured is no limit, subject to Board Approved Underwriting Policy; the Death Benefit Sum Assured is 7 times or 10 times Annualized Premium for Limited Pay/Regular Pay and 1.25 times Single Premium for Single Pay.","display":"Minimum Rs. 6,25,000 for Single Premium; Rs. 14,00,000 for Limited Pay/Regular Pay; maximum no limit subject to underwriting; 7x or 10x annualized premium, or 1.25x single premium","note":"From the sales brochure.","quote":"Minimum Sum Assured | Single Premium: `6,25,000 Limited Pay/ Regular Pay: `14,00,000\nMaximum Sum Assured | No Limit (subject to Board Approved Underwriting Policy) ... Death Benefit Sum Assured is 7 times or 10 times the Annualized Premium for Limited Pay/Regular Pay options and 1.25 times the Single Premium for Single Pay.","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-wealth-infinia-plan-109l129v02/document/1125#c-s1"}],"law":[]},{"key":"death_benefit","label":"Death benefit","section":"Cover","meaning":"What your family gets if you die during the term, and how it is calculated.","status":"quote-verified","value":"If the Life Insured dies during the Policy Term while the Policy is in force, the claimant gets the highest of the Sum Assured reduced by partial withdrawals in the preceding two years, the Fund Value as on date of intimation of death, or 105% of total annualized premiums/single premium received reduced by such partial withdrawals. Charges other than fund management charges recovered after death are added back to the Fund Value.","display":"Highest of Sum Assured, Fund Value, or 105% of premiums received, with specified reductions for recent partial withdrawals","note":null,"quote":"In the event of death of the Life Insured during the Policy Term, provided that the Policy is in force, We shall pay the highest of the following to the Claimant: ... the Sum Assured (reduced by partial withdrawals made during the two years immediately preceding the date of death of the Life Insured, if any) ... Fund Value as on the date of intimation death of the Life Insured ... 105% of the Total Annualized Premiums/Single Premium received by Us till the date of death of the Life Insured (reduced by all partial withdrawals, if any made during the two years’ period immediately preceding the death of the Life Insured, if any)\nAny charges other than Fund Management Charges recovered, as specified under Part E of this Policy, subsequent to the date of death of the Life Insured, shall be added back to the Fund Value as on the date of intimation of death.","sources":[{"clause":"1(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-wealth-infinia-plan-109l129v02/document/1389#c-1-a"},{"clause":"1(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-wealth-infinia-plan-109l129v02/document/1389#c-1-a-2"},{"clause":"1(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-wealth-infinia-plan-109l129v02/document/1389#c-1-b"},{"clause":"1(c)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-wealth-infinia-plan-109l129v02/document/1389#c-1-c"}],"law":[]},{"key":"maturity_benefit","label":"Maturity benefit","section":"Cover","meaning":"What you get if you survive to the end of the term.","status":"quote-verified","value":"On the Maturity Date, if the Life Insured is alive and the policy is in force or reduced paid-up, the insurer pays the Fund Value as on the Maturity Date unless the settlement option is chosen. If all due instalment premiums have been received, an amount equal to total Mortality Charge and Premium Allocation Charge deducted during the entire term is added to the Fund Value as additional units.","display":"Fund Value at maturity, with return of total Mortality Charge and Premium Allocation Charge if all due premiums have been received","note":"Return of Mortality Charge & Premium Allocation Charge is not allowed if the policy has been surrendered, discontinued or is reduced paid-up.","quote":"On Maturity Date, if the Life Insured is alive and Policy is in force or is a Reduced Paid-up Policy, We shall pay Fund Value as on the Maturity Date to You, unless You have opted for the settlement option. ... On Maturity Date, if the Life Insured is alive and all due Instalment Premiums have been received by Us, We will add an amount equal to the total Mortality Charge & Premium Allocation Charge deducted during the entire Policy Term to the Fund Value by providing additional Units at the then prevailing NAV.","sources":[{"clause":"1(c)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-wealth-infinia-plan-109l129v02/document/1389#c-1-c"},{"clause":"4(a)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-wealth-infinia-plan-109l129v02/document/1389#c-4-a"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"quote-verified","value":"Legacy Variant allows Single Pay and Limited Pay of 5 to 20 years. Milestone Variant allows Single Pay, Limited Pay of 5 to 12 years, and Regular Pay of 10 to 30 years.","display":"Legacy: Single Pay or Limited Pay 5 to 20 years; Milestone: Single Pay, Limited Pay 5 to 12 years, Regular Pay 10 to 30 years","note":"From the sales brochure.","quote":"Premium Payment Term (PPT) | Single Pay Limited Pay: 5 to 20 years | Single Pay Limited Pay: 5 to 12 years Regular Pay: 10 to 30 years","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-wealth-infinia-plan-109l129v02/document/1125#c-s1"}],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"quote-verified","value":"Maximum maturity age is 100 years for Legacy Variant and 85 years for Milestone Variant.","display":"Legacy: 100 years; Milestone: 85 years","note":"From the sales brochure.","quote":"Maximum Maturity Age (age as on last birthday) | 100 years | 85 years","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-wealth-infinia-plan-109l129v02/document/1125#c-s1"}],"law":[]},{"key":"suicide_clause","label":"Suicide clause","section":"Exclusions","meaning":"What is paid if death is by suicide within the first 12 months.","status":"quote-verified","value":"If death is due to suicide within 12 months from the Policy Issue Date or revival date, the nominee or beneficiary is entitled to the Fund Value available on the date of intimation of death. Charges other than Fund Management Charges recovered after death are added back.","display":"Suicide within 12 months: Fund Value as on date of intimation of death, plus add-back of charges other than Fund Management Charges recovered after death","note":null,"quote":"In case of death of the Life Insured due to suicide within 12 months from the Policy Issue Date or from the date of Revival of the Policy, as applicable, the Nominee or the beneficiary of the Policyholder shall be entitled to the Fund Value, as available on the date of intimation of death.\nAny charges other than Fund Management Charges recovered subsequent to the date of death shall be added back to the Fund Value as available on the date of intimation of death.","sources":[{"clause":"9","heading":"Suicide Exclusion","page":29,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-wealth-infinia-plan-109l129v02/document/1389#c-9-2"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 21","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 35","url":"https://indiainsurances.com/law/irdai-life-products-2024"}]},{"key":"surrender","label":"Surrender value","section":"Renewal and rights","meaning":"What you get if you stop the policy early, and from when.","status":"quote-verified","value":"During the lock-in period, surrender/discontinuance credits the Fund Value after applicable discontinuance/surrender charges to the Linked Discontinued Policy Fund and the proceeds are paid at the end of the lock-in period. After the lock-in period, the Fund Value as on surrender is payable for Single Pay, and for Limited Pay/Regular Pay the Fund Value is paid upon receipt of the surrender request.","display":"During lock-in: Fund Value less charges to Linked Discontinued Policy Fund, paid at end of lock-in; after lock-in: Fund Value payable","note":"The first two quoted sentences are for Single Pay during the lock-in period; Limited Pay/Regular Pay discontinuance during the lock-in period also sends Fund Value after charges to the Linked Discontinued Policy Fund.","quote":"You will have an option to Surrender the Policy any time during the Lock-in Period. Upon receipt of request for Surrender, the Fund Value, after deducting the applicable Discontinuance/Surrender Charges, shall be credited to the Linked Discontinued Policy Fund. ... The Policy shall continue to be invested in the Linked Discontinued Policy Fund and the proceeds from this Fund shall be paid at the end of the Lock-in Period. ... Discontinuance after the Lock-in Period:\nYou have an option to Surrender the policy any time during the Policy Term. Upon receipt of request for Surrender, the Fund Value as on date of Surrender shall be payable. ... However, You will have an option to Surrender the Policy anytime and the Fund Value shall be paid upon receipt of such request of Surrender.","sources":[{"clause":"2(a)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-wealth-infinia-plan-109l129v02/document/1389#c-2-a-3"},{"clause":"2(b)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-wealth-infinia-plan-109l129v02/document/1389#c-2-b-3"},{"clause":"2(e)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-wealth-infinia-plan-109l129v02/document/1389#c-2-e-2"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.1 to 26.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.4 and 26.5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 27","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.16 and 1.17","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(1) to (3)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(4) and (5)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(6) to (9)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(B)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vi)(c)(V)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"paid_up","label":"Paid-up value","section":"Renewal and rights","meaning":"What cover continues if you stop paying premiums after a few years.","status":"quote-verified","value":"For Limited Pay/Regular Pay after the lock-in period, if premium is not paid by the end of the grace period, the policy becomes a Reduced Paid-up Policy with Reduced Paid-up Sum Assured. Reduced Paid-up Sum Assured equals Sum Assured multiplied by instalment premiums received divided by the original instalment premiums payable.","display":"After lock-in, non-payment converts the policy to Reduced Paid-up with proportionately reduced Sum Assured","note":null,"quote":"“Reduced Paid-up Sum Assured” means the amount equal to the Sum Assured multiplied by the total number of Instalment Premiums received by Us divided by the original number of Instalment Premiums payable by You under this Policy. ... Upon expiry of the Grace Period, in case of Discontinuance of Policy after the Lock-in Period, the Policy shall be converted into a Reduced Paid-up Policy with the Reduced Paid-up Sum Assured.","sources":[{"clause":"48","heading":"“Reduced Paid-up Sum Assured”","page":4,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-wealth-infinia-plan-109l129v02/document/1389#c-48"},{"clause":"2(a)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-wealth-infinia-plan-109l129v02/document/1389#c-2-a-6"}],"law":[]},{"key":"revival","label":"Revival period","section":"Renewal and rights","meaning":"How long after lapsing you can restart the policy.","status":"quote-verified","value":"The Revival Period is 3 consecutive years from the due date of the first unpaid instalment premium. Revival requires a written request before maturity, satisfactory evidence of health and insurability, payment of all due instalment premiums, and insurer acceptance under underwriting guidelines.","display":"3 years from the due date of the first unpaid premium","note":null,"quote":"\"Revival Period\" means a period of 3 (Three) consecutive years from the due date of first unpaid Instalment Premium, during which period You will be entitled to revive the Policy discontinued due to non-payment of Instalment Premium. ... We will consider requests from You to revive a Discontinued Policy, provided that such requests are received in writing and before the Maturity Date. ... The Life Insured is required to furnish, at his / her own expense, satisfactory evidence of health and continuity of insurability. ... All due Installment Premiums till the date of Revival have been paid by You and received by Us.","sources":[{"clause":"51","heading":"\"Revival Period\"","page":4,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-wealth-infinia-plan-109l129v02/document/1389#c-51"},{"clause":"2(a)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-wealth-infinia-plan-109l129v02/document/1389#c-2-a-7"},{"clause":"2(b)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-wealth-infinia-plan-109l129v02/document/1389#c-2-b-6"},{"clause":"2(c)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-wealth-infinia-plan-109l129v02/document/1389#c-2-c-4"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.1 and 40.1.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.4","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.7","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.28","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.39","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"policy_loan","label":"Policy loan","section":"Renewal and rights","meaning":"Whether you can borrow against the policy.","status":"quote-verified","value":"No loans are available under the Policy.","display":"No policy loans","note":null,"quote":"No loans are available under the Policy.","sources":[{"clause":"3","heading":"Policy Loans","page":11,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-wealth-infinia-plan-109l129v02/document/1389#c-3-3"}],"law":[]},{"key":"riders_available","label":"Riders available","section":"Cover","meaning":"Optional add-ons such as accidental death, critical illness or waiver of premium.","status":"quote-verified","value":["ABSLI Accidental Death Benefit Rider Plus (UIN: 109A024V01)","ABSLI Waiver of Premium Rider (UIN: 109A039V01)","ABSLI Comprehensive Critical Illness Rider (UIN: 109A041V01)","ABSLI Suraksha Term Rider (UIN: 109A042V01)"],"display":"ABSLI Accidental Death Benefit Rider Plus, Waiver of Premium Rider, Comprehensive Critical Illness Rider, and Suraksha Term Rider","note":"From the sales brochure. Riders are optional and at extra cost.","quote":"For added protection, you can enhance your risk coverage during the Policy Term by adding following riders at a nominal extra cost.\n• ABSLI Accidental Death Benefit Rider Plus (UIN: 109A024V01) ... • ABSLI Waiver of Premium Rider (UIN: 109A039V01) ... • ABSLI Comprehensive Critical Illness Rider (UIN: 109A041V01) ... • ABSLI Suraksha Term Rider (UIN: 109A042V01)","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-wealth-infinia-plan-109l129v02/document/1125#c-s1"}],"law":[]},{"key":"section45","label":"Claims after 3 years (Section 45)","section":"Claims","meaning":"After 3 years a life policy cannot be questioned on any ground, and only for fraud with proof before that.","status":"quote-verified","value":"No life insurance policy can be called in question on any ground after 3 years from the later of policy issuance, commencement of risk, revival, or rider date. Within 3 years, it may be questioned for fraud with written communication of grounds and materials; for non-fraud misstatement repudiation, premium collected till repudiation is paid within 90 days.","display":"After 3 years, no policy can be questioned on any ground; within 3 years, fraud or material misstatement rules apply","note":null,"quote":"No Policy of Life Insurance shall be called in question on any ground whatsoever after expiry of 3 yrs from\na) the date of issuance of policy or\nb) the date of commencement of risk or\nc) the date of revival of policy or\nd) the date of rider to the policy whichever is later. ... On the ground of fraud, a policy of Life Insurance may be called in question within 3 years ... In case repudiation is on ground of mis-statement and not on fraud, the premium collected on policy till the date of repudiation shall be paid to the insured or legal representative or Nominee or assignees of insured, within a period of 90 days from the date of repudiation.","sources":[{"clause":"1","heading":null,"page":43,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-wealth-infinia-plan-109l129v02/document/1389#c-1-8"},{"clause":"2","heading":null,"page":43,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-wealth-infinia-plan-109l129v02/document/1389#c-2-8"},{"clause":"7","heading":null,"page":43,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-wealth-infinia-plan-109l129v02/document/1389#c-7-7"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 45","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"tax_note","label":"Tax note in the document","section":"Premium","meaning":"What the document says about tax benefits. Not stated when it only says taxes are charged on the premium. Tax law changes; confirm separately.","status":"quote-verified","value":"The income tax on the policy will be as per prevailing Income Tax laws in India and amendments. The document also states that tax benefits are subject to changes in tax laws.","display":"Tax as per prevailing Income Tax laws; tax benefits subject to changes in tax laws","note":null,"quote":"The income tax on Your Policy will be as per prevailing Income Tax laws in India and any amendment(s) made thereto from time to time. ... Tax benefits are subject to changes in the tax laws.","sources":[{"clause":"4","heading":"Taxes","page":28,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-wealth-infinia-plan-109l129v02/document/1389#c-4-5"},{"clause":null,"heading":"Risk Factors / Disclaimers","page":33,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-wealth-infinia-plan-109l129v02/document/1389#c-risk-factors-disclaimers"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":null,"quote":"You have a free look period of 30 days from the date of receipt of the Policy, to review the terms and conditions of the Policy","sources":[{"clause":"1","heading":"Free-look Cancellation","page":9,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-wealth-infinia-plan-109l129v02/document/1389#c-1-3"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days (15 days for monthly mode)","note":"15 days if the premium paying mode is monthly.","quote":"You will be given a Grace Period of 30 days (15 days in case the premium paying mode is monthly) to make the payment of due Instalment Premium(s), during which time all the benefits will continue inclusive of the risk cover and deduction of charges under the Policy will continue to remain in force.","sources":[{"clause":"6","heading":"Grace Period","page":8,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-wealth-infinia-plan-109l129v02/document/1389#c-6-2"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"Minimum entry age is 30 days. Maximum entry age is 65 years for Milestone Variant; for Legacy Variant it is 45 years for 5 Pay, 55 years for 6 Pay, 60 years for 7 Pay, and 65 years for other Premium Paying Term options.","display":"Minimum 30 days; maximum Legacy 45/55/60/65 years by PPT, Milestone 65 years","note":"From the sales brochure. The brochure note says risk commences from the policy issue date.","quote":"Minimum Entry Age (age as on last birthday) | 30 days* ... Maximum Entry Age (age as on last birthday) | 5 Pay: 45 years 6 Pay: 55 years 7 Pay: 60 years Other Premium Paying Term options: 65 years | 65 years","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-wealth-infinia-plan-109l129v02/document/1125#c-s1"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["Annual","Semi-Annual","Quarterly","Monthly","Single"],"display":"Annual, Semi-Annual, Quarterly, Monthly, Single","note":"From the sales brochure.","quote":"Premium Payment Mode | Annual | Semi-Annual | Quarterly | Monthly | Single","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-wealth-infinia-plan-109l129v02/document/1125#c-s1"}],"law":[]},{"key":"premium_type","label":"Premium payment type","section":"Premium","meaning":"Single premium, regular premium (every year of the term) or limited premium (fewer years than the term).","status":"quote-verified","value":["Single Pay","Limited Pay","Regular Pay"],"display":"Single Pay, Limited Pay, Regular Pay","note":null,"quote":"“Limited Pay” is where the Premium Payment Term is more than one year, however, lesser than the Policy Term. ... “Regular Pay” is where the Premium Payment Term is the same as the Policy Term. ... “Single Pay” is where the Premium Payment Term is equal to one year.","sources":[{"clause":"24","heading":null,"page":2,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-wealth-infinia-plan-109l129v02/document/1389#c-24"},{"clause":"49","heading":null,"page":4,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-wealth-infinia-plan-109l129v02/document/1389#c-49"},{"clause":"52","heading":null,"page":4,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-wealth-infinia-plan-109l129v02/document/1389#c-52"}],"law":[]},{"key":"lock_in","label":"Lock-in period","section":"Renewal and rights","meaning":"Years before you can withdraw. ULIPs have a 5-year lock-in.","status":"quote-verified","value":{"unit":"years","amount":5},"display":"5 years","note":null,"quote":"“Lock-In Period” means the period of five (5) consecutive Policy Years from the Policy Issue Date during which period the proceeds of the policies cannot be paid by the Us to the Policyholder or to the Life Insured, as the case may be, except in the case of death or upon the happening of any other contingency covered under the policy.","sources":[{"clause":"26","heading":"“Lock-In Period”","page":2,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-wealth-infinia-plan-109l129v02/document/1389#c-26"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.1 and 40.1.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 4","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 42","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 54.1 and 54.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.22 to 1.24","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(B)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vii) to (ix)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vi)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"funds","label":"Fund options","section":"Cover","meaning":"The investment funds you can choose and their risk.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"premium_allocation_charge","label":"Premium allocation charge","section":"Charges","meaning":"Part of each premium taken before investing.","status":"quote-verified","value":"Premium Allocation Charge is deducted from instalment premium before allocation to funds and is guaranteed never to increase. Rates are Single Pay: 4% in year 1, Nil from years 2-3, 4-10 and 11+; Milestone Limited/Regular Pay: 6% in year 1, 5% in years 2-3, 4% in years 4-10, Nil from year 11; Legacy Limited Pay: 6% in year 1, 5% in years 2-3, 5% in years 4-10, Nil from year 11.","display":"Single Pay 4% in year 1 then Nil; Milestone Limited/Regular 6%, 5%, 4%, Nil; Legacy Limited 6%, 5%, 5%, Nil","note":null,"quote":"Premium Allocation Charge: This Charge is deducted as a percentage of Instalment Premium received by Us and before it is allocated to the Fund/s. This charge is guaranteed to never increase during the entire Policy Term. The Premium Allocation Charge is as follows:\nPolicy Year | % of Single/ Annualized Premium received\nSingle Pay | Milestone Variant – Limited Pay/ Regular Pay | Legacy Variant – Limited Pay\n1 | 4% | 6% | 6%\n2 -3 | Nil | 5% | 5%\n4-10 | Nil | 4% | 5%\n11+ | Nil | Nil | Nil","sources":[{"clause":"1","heading":"Premium Allocation Charge","page":14,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-wealth-infinia-plan-109l129v02/document/1389#c-1-4"}],"law":[]},{"key":"policy_admin_charge","label":"Policy administration charge","section":"Charges","meaning":"Monthly charge deducted from your fund.","status":"quote-verified","value":"Policy Administration Charge is Nil.","display":"Nil","note":null,"quote":"Policy Administration Charge is Nil","sources":[{"clause":"3","heading":"Policy Administration Charge is Nil","page":14,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-wealth-infinia-plan-109l129v02/document/1389#c-3-4"}],"law":[]},{"key":"fund_management_charge","label":"Fund management charge","section":"Charges","meaning":"Yearly charge on fund value; capped at 1.35% by IRDAI.","status":"quote-verified","value":"Fund Management Charge is deducted by adjusting daily NAV. Current charges are 1.00% per annum for Liquid Plus, Income Advantage, Assure, Protector and Builder; 1.25% per annum for Enhancer, Creator, Capped Nifty Index and Asset Allocation; 1.35% per annum for Magnifier, Maximiser, Multiplier, Super 20, Pure Equity, Value & Momentum, MNC, ESG Fund, Small Cap Fund and Dividend Yield Fund; and 0.50% per annum for Linked Discontinued Policy Fund, subject to a maximum of 1.35% per annum for any fund with prior IRDAI approval.","display":"1.00%, 1.25% or 1.35% p.a. by fund; Linked Discontinued Policy Fund 0.50% p.a.; maximum 1.35% p.a.","note":null,"quote":"Fund Management Charge: (as a percentage of the Net Asset Value) is deducted by adjusting the daily Net Asset Value of each Fund. We reserve the right to change this charge for any Fund at any time subject to a maximum of 1.35% per annum and prior IRDAI approval. The current Fund Management Charge on:\n- Liquid Plus, Income Advantage, Assure, Protector and Builder is 1.00% per annum.\n- Enhancer, Creator, Capped Nifty Index, Asset Allocation is 1.25% per annum.\n- Magnifier, Maximiser, Multiplier, Super 20, Pure Equity, Value & Momentum, MNC, ESG Fund, Small Cap Fund, Dividend Yield Fund is 1.35% per annum.\n- Linked Discontinued Policy Fund is 0.50% per annum.","sources":[{"clause":"2","heading":"Fund Management Charge","page":14,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-wealth-infinia-plan-109l129v02/document/1389#c-2-4"}],"law":[]},{"key":"mortality_charge","label":"Mortality charge","section":"Charges","meaning":"Cost of life cover, deducted monthly by age.","status":"quote-verified","value":"Mortality Charge is based on Sum at Risk and deducted monthly from Fund Value by redeeming units. It is guaranteed never to increase, the monthly charge is 1/12th of the annual rate per 1000 of Sum at Risk, and the rate depends on gender and attained age; transgender rates are the same as male lives.","display":"Deducted monthly from Fund Value based on Sum at Risk; rates per 1000 by age and gender; guaranteed never to increase","note":"An amount equal to mortality charges deducted is added back to Fund Value at maturity if all due instalment premiums have been received.","quote":"Mortality Charge is based on the Sum at Risk and is deducted from the Fund Value on each Monthly Processing Date by redemption of Units in the Funds. The Sum at Risk is any excess of Death Benefit over Fund Value. This Charge is guaranteed to never increase. The Mortality Charge per 1000 of Sum at Risk is given in the Mortality Charge Table below. The Charge depends on the gender of the Life Insured and varies by Policy Year based on the then attained age of the Life Insured. Mortality Charge levied each month is 1/12th of the annual rate given in the table. ... The Mortality rates for Transgender is same as male lives.","sources":[{"clause":"4","heading":null,"page":14,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-wealth-infinia-plan-109l129v02/document/1389#c-4-4"}],"law":[]},{"key":"discontinuance_charge","label":"Discontinuance charge","section":"Charges","meaning":"Charge if you stop paying in the first five years.","status":"quote-verified","value":"Discontinuance/Surrender Charge applies only if premium payment is discontinued during the lock-in period. The charge is lower of the stated percentage of premium, percentage of fund value, or rupee cap: year 1 Single Pay 1%/1%/Rs 6,000 and Limited/Regular 6%/6%/Rs 6,000; year 2 0.7%/0.7%/Rs 5,000 and 4%/4%/Rs 5,000; year 3 0.5%/0.5%/Rs 4,000 and 3%/3%/Rs 4,000; year 4 0.35%/0.35%/Rs 2,000 and 2%/2%/Rs 2,000; year 5+ Nil.","display":"Year 1 to 4 charges capped at Rs 6,000, Rs 5,000, Rs 4,000, Rs 2,000 respectively; Nil from year 5+","note":null,"quote":"Discontinuance/Surrender Charge is deducted from the Fund Value only in case You discontinue the Premium payment under the Policy during the Lock-in Period as per the Policy Discontinuance provision. This Charge is as per the IRDAI ( Insurance Products) Regulation, 2024. The Discontinuance/Surrender charge is as follows:\nPolicy Year of Discontinuance | Single Premium | Limited Premium/ Regular Premium\n1 | Lower of 1% of SP, 1% of FV, Rs 6,000 | Lower of 6% of AP, 6% of FV, Rs 6,000\n2 | Lower of 0.7% of SP, 0.7% of FV, Rs 5,000 | Lower of 4% of AP, 4% of FV, Rs 5,000\n3 | Lower of 0.5% of SP, 0.5% of FV, Rs 4,000 | Lower of 3% of AP, 3% of FV, Rs 4,000\n4 | Lower of 0.35% of SP, 0.35% of FV, Rs 2,000 | Lower of 2% of AP, 2% of FV, Rs 2,000\n5+ | Nil | Nil\nAP: Annualized Premium payable in a year, SP: Single Premium, FV: Fund Value","sources":[{"clause":"5","heading":null,"page":15,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-wealth-infinia-plan-109l129v02/document/1389#c-5-4"}],"law":[]},{"key":"switches_withdrawals","label":"Switches and partial withdrawals","section":"Renewal and rights","meaning":"Free fund switches and withdrawals after lock-in.","status":"quote-verified","value":"Under the Self-Managed Investment Option, fund switches are free with no limit per policy year and a minimum switch amount of Rs.5,000; switches are not allowed during discontinuance in the first five years. Partial withdrawals are allowed only if the Life Insured is at least 18 and not before the 6th Policy Year, with a minimum Rs. 5,000, maximum 25% of Fund Value per withdrawal, and total withdrawals in a Policy Year not exceeding 50% of Fund Value. The Systematic Withdrawal Facility can start after completion of first five Policy Years and age 18, at 5% or 10% of Fund Value, with monthly, quarterly, half-yearly or yearly payouts.","display":"Unlimited free switches under Self-Managed option; partial withdrawals after 6th policy year and age 18; SWF after first five policy years","note":"Partial withdrawals and SWF are not allowed during discontinuance and settlement period; partial withdrawal is also not allowed during settlement period.","quote":"Fund Switching This option is available only where Self-Managed Investment Option is in force under the Policy. You can give Us a written notice to switch Units from one Fund to another Fund(s) during the Policy Term. ... provided that the minimum amount to be switched is at least Rs.5,000. There is no limit on the number of switches that can be exercised in a Policy Year and switches are free of charge. Switches shall not be allowed during the period of Discontinuance in first five years of the policy. ... Partial Withdrawals You may make a partial withdrawal by giving Us a written request. We will allow partial withdrawal, which will be effected by cancelling Units, provided that:\ni. Partial withdrawals are allowed only if the Life Insured is at least 18 years of age at the date of request.\nii. You shall not be allowed to make any partial withdrawal before the commencement of the 6th (Sixth) Policy Year\niii. The amount to be withdrawn is at least Rs. 5,000 (Rupees Five Thousand)\niv. Maximum amount of partial withdrawal is not more than 25% (Twenty Five percent) of the Fund Value as on the date of the partial withdrawal ... v. The total amount of partial withdrawals in a Policy Year shall not exceed 50% of the Fund Value as on the date of partial withdrawal(s). ... Systematic Withdrawal Facility This option allows You to withdraw a pre-determined percentage of Your Fund Value as equal instalments anytime during the Policy Term. This option shall commence only after completion of first five Policy Years and the Policyholder has attained the age of eighteen (18) years or above. ... The percentage of the Fund Value. (5% or 10%) ... The payouts frequency: The payouts may be availed in monthly, quarterly, half-yearly, or yearly basis.","sources":[{"clause":"4(iv)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-wealth-infinia-plan-109l129v02/document/1389#c-4-iv"},{"clause":"4(vi)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-wealth-infinia-plan-109l129v02/document/1389#c-4-vi"},{"clause":"4(vii)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-wealth-infinia-plan-109l129v02/document/1389#c-4-vii"},{"clause":"4(a)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-wealth-infinia-plan-109l129v02/document/1389#c-4-a-2"},{"clause":"4(b)","heading":"The payouts frequency","page":13,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-wealth-infinia-plan-109l129v02/document/1389#c-4-b-2"}],"law":[]}],"documents":[{"kind":"wording","label":"ABSLI Wealth Infinia Plan (109L129V01)","pages":37,"fetched_at":"2026-10-17 19:43:03+00","source_url":"https://lifeinsurance.adityabirlacapital.com/uploads/ABSLI_Wealth_Infinia_Policy_Contract_v1_b057c3ac2c.pdf","url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-wealth-infinia-plan-109l129v02/document/1387"},{"kind":"wording","label":"ABSLI Wealth Infinia Plan (109L129V02)","pages":44,"fetched_at":"2026-10-17 19:43:04+00","source_url":"https://lifeinsurance.adityabirlacapital.com/uploads/ABSLI_Wealth_Infinia_Plan_Tn_C_V2_3_6af2a64784.pdf","url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-wealth-infinia-plan-109l129v02/document/1389"},{"kind":"brochure","label":"ABSLI Wealth Infinia Plan (109L129V01)","pages":16,"fetched_at":"2026-10-17 19:38:24+00","source_url":"https://lifeinsurance.adityabirlacapital.com/uploads/ABSLI_Wealth_Infinia_V01_Brochure_Web_Version_312d771d14.pdf","url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-wealth-infinia-plan-109l129v02/document/1122"},{"kind":"brochure","label":"ABSLI Wealth Infinia Plan (109L129V02)","pages":16,"fetched_at":"2026-10-17 19:38:26+00","source_url":"https://lifeinsurance.adityabirlacapital.com/uploads/ABSLI_Wealth_Infinia_V02_Brochure_Web_Version_7ced4a7ad5.pdf","url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-wealth-infinia-plan-109l129v02/document/1125"}],"versions":[{"uin":"109L129V01","version":null,"approved_on":null},{"uin":"109L129V02","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Aditya Birla SunLife Insurance official website","url":"https://lifeinsurance.adityabirlacapital.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claim procedure","url":"https://lifeinsurance.adityabirlacapital.com/customer-service/claim-procedure/online-claim/","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal","url":"https://lifeinsurance.adityabirlacapital.com/grievance-redressal/","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"ABSLI Wealth Infinia Plan (UIN 109L129V02), IndiaInsurances, https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-wealth-infinia-plan-109l129v02"}