How does my nominee claim the death benefit?

The nominee needs to submit a death certificate, policy documents, and any required forms to the insurer. After verification, the payout is processed.

How much coverage should I get?

A good rule of thumb is to have coverage that is 10-15 times your annual income, but the exact amount depends on factors like debts, living expenses, and future financial goals.

Can I increase my coverage later?

Some insurers allow policyholders to enhance coverage at key life stages (marriage, childbirth) through step-up options. Otherwise, a new policy may be needed.

Does Anmol Suraksha Kawach cover pre-existing conditions?

No, the plan does not cover pre-existing conditions as per its terms.

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Term Insurance

Anmol Suraksha Kawach

Compare Anmol Suraksha Kawach benefits, exclusions, ratings and related variants in one place.

1.78

Solvency

97.54%

ICR

14.55%

Growth

46,695.18

AUM

Policy Brochure

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Our Verdict

Anmol Suraksha Kawach Review: Our Verdict

Final Verdict

ABSLI Anmol Suraksha Kawach is ideal for individuals seeking affordable, high life cover with essential rider benefits. While it ensures financial security, it lacks maturity benefits, making it a pure risk protection plan.

About

What Is Anmol Suraksha Kawach?

ABSLI Anmol Suraksha Kawach is a pure term insurance plan designed to provide high life cover at an affordable premium, ensuring financial security for your loved ones. This plan offers flexible policy terms and premium payment options to suit different financial needs. In case of the policyholder’s unfortunate demise during the policy term, the nominee receives the sum assured as a lump sum payout. With easy eligibility and a hassle-free application process, this plan is ideal for individuals seeking simple yet effective life protection.

About Company

About Aditya Birla SunLife Insurance

ABSLI is a joint venture between Aditya Birla Capital and Canada based ‘Sun life financial Inc.’. Aditya Birla is the holding company of Aditya Birla group's financial services businesses, through its subsidiaries ABCL provides a comprehensive layout of financial solutions including loans, insurance, payments to cater the customers throughout their lifecycle.Sun Life Financial Inc., commonly known as Sun Life, is a leading international financial services organization headquartered in Toronto, Canada. Established in 1865, the company offers a diverse range of products and services, including life insurance, health insurance, investment management, and retirement planning.Aditya Birla Sun Life Insurance (ABSLI) offers a wide range of insurance plans designed to meet diverse financial goals, including protection, savings, wealth creation, retirement planning, and child education.

Testimonials

Aditya Birla SunLife Insurance Customer Testimonials

Customer feedback and experiences.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

OneAssure helped me understand my needs and choose a product that was right for me. There was no pressure tactics or mis-selling. This experience was respectful, informed, and completely stress-free.

Shreya Goyal

Have been associated with Ruchir and his team… They have provided me excellent guidance in choosing the right plans for myself and my family…always been available to assist with any insurance/claim queries.

Nakul N

Had a great experience with OneAssure during my insurance claim process. A special shoutout to Sunad Raj for his exceptional support, he was professional, responsive, and guided me every step of the way. Thanks to his consistent follow-ups and clear guidance, the entire claim settlement was smooth and hassle-free. Highly recommend OneAssure for their service and transparency!

Sanjay Dakalia

The team is very professional and prompt. I would have all my health and life insurance needs met through them.

Harish Jindal

Very professional service from Ruchir & Aman. They were recommended by a friend who had a positive experience with them. I have taken both health and life policies through them and they have advised me well throughout the process and found the best options available in the market. I had a medical condition due to which it was difficult to find a suitable health policy in the market, however this team was able to find one for me. I would recommend their services to anyone looking to buy health or life insurance.

Siddhartha Saha

Wonderful experience with Prost. Right from suggesting the insurance products to claim process the entire experience hai been seamless. They do not mis-sell and are very transparent. Sundar Raj from the team has been wonderful and ensured prompt guidance. All the best Ruchir and keep up the good work!

Adarsh Ravindranathan

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Inclusions and Exclusions

Anmol Suraksha Kawach Inclusions and Exclusions

Premium Payment Customizations

The ABSLI Anmol Suraksha Kawach plan offers flexible Premium Payment Customizations, allowing policyholders to choose between Single Pay (one-time lump sum), Limited Pay (fixed years like 5, 10, or 15 years), or Regular Pay (throughout the policy term). Premiums can be paid yearly, half-yearly, or monthly.

Exclusions

Death due to suicide within the first 12 months of policy issuance or revival.
Injuries or death caused by participation in hazardous activities or extreme sports.
Death or disability resulting from war, terrorism, or civil unrest.
Pre-existing medical conditions not disclosed at the time of policy issuance.
Injuries or death due to substance abuse, alcohol, or drug overdose.

Add ons

Anmol Suraksha Kawach Add-Ons and Riders

Accidental Death Benefit Rider

Critical Illness Rider

Total and Permanent Disability Rider

Waiver of Premium Rider

Hospital Care Rider

Surgical Care Rider

Anmol Suraksha Kawach Related Variants

Bharti AXA Jeevan Suraksha

Future Generali Jan Suraksha

Go Digit Micro Term Insurance

Claim Process

Anmol Suraksha Kawach Claim Settlement Process

Steps and flow followed by the insurer.

Term Cover Calculator

Anmol Suraksha Kawach Insurance Premium Calculator

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How to Buy

How to Buy Anmol Suraksha Kawach

Purchase flow from OneAssure.

Things to Remember

Keep KYC documents and nominee details ready before purchase.

Renewal

Anmol Suraksha Kawach Renewal

Renewal steps and key points.

FAQs

Anmol Suraksha Kawach FAQs

Got questions about Anmol Suraksha Kawach? You’re not alone. Here are some of the most commonly asked questions to help you understand this term life plan, coverage, claims, and benefits better.