Life Shield Plan in one table
| Insurer | Aditya Birla Sun Life Insurance Company Limited |
|---|---|
| Sum insured | No stated upper limit. What you are actually offered depends on your age, income, health and any cover you already hold. |
| Entry age | 18 to 65 years on plan options 1, 3, 5 and 7. Options 2, 4, 6 and 8 close at 50. |
| Cover runs to | Up to 85 years (last birthday) |
Claim settlement and complaint figures are IRDAI-published and held centrally by NYVO, not taken from the insurer's marketing.
What Life Shield Plan does, and what it does not
Term insurance is a narrow product, so the useful question is not how this plan scores against a benchmark – it is what it pays for and what it leaves out. Both lists come from Aditya Birla Sun Life's own documents.
Which variant should you take?
This plan is sold in more than one form, and the choice is made once at purchase. Picking the wrong one is not something you can quietly correct later, so it is worth a minute now.
The options that stay open to entrants up to age 65. If you are over 50, these are the only four available to you.
Entry closes at 50 on these four. Worth confirming which group you have been quoted, because the difference does not show up in the price alone.
Life Shield Plan exclusions: what the plan will not pay for
Every policy carries exclusions, and they are the clauses people read for the first time at claim stage. These are the ones worth knowing before you buy.
Where Life Shield Plan falls short
No plan is right for everyone, and a page that only lists strengths is not much use to you. These are the gaps we would raise on a call before recommending it.
Life Shield Plan questions, answered
How much cover does Life Shield Plan offer?
No stated upper limit. What you are actually offered depends on your age, income, health and any cover you already hold.
Who can buy Life Shield Plan?
Entry to Life Shield Plan runs from 18 to 65 years. Cover can run to age 85, which is the maximum maturity age on this plan. What you are actually offered still depends on your income, health and any cover you already hold.
What does Life Shield Plan not cover?
Like every term plan, Life Shield Plan excludes suicide within 12 months of the policy starting or of its latest revival – 80% of the premiums paid is returned, provided the policy is in force. The policy wording you are issued is the contract.
Read it from the insurer
We summarise. The policy wording is the contract, and it is the only document that settles a dispute. These links go to the insurer's own pages.
Understand the terms before you commit
A plan page tells you what this policy does. These explain why each term matters and what it costs you when it is missing.
Other Aditya Birla Sun Life plans we have read
Aditya Birla Sun Life files these separately, and the terms differ between them. If you are choosing within the range, compare the waiting periods and the exclusions rather than the sum insured.