Company Profile

Established in 2000, Birla Sun Life Insurance Company Limited (BSLI) is a joint venture between the
Aditya Birla Group, a well known and trusted name globally amongst Indian conglomerates and Sun Life
Financial Inc, leading international financial services organization from Canada. The local knowledge
of the Aditya Birla Group combined with the domain expertise of Sun Life Financial Inc., offers a
formidable protection for its customers' future.

With an experience of over 10 years, BSLI has contributed significantly to the growth and
development
of the life insurance industry in India and currently ranks amongst the top 7 private life insurance
companies in the country.
Known for its innovation and creating industry benchmarks, BSLI has several firsts to its credit.It was
the first Indian Insurance Company to introduce "Free Look Period" and the same was made mandatory by
IRDA for all other life insurance companies. Additionally, BSLI pioneered the launch of Unit Linked
Life Insurance plans amongst the private players in India. To establish credibility and further
transparency, BSLI also enjoys the prestige to be the originator of practice to disclose portfolio on
monthly basis. These category development initiatives have helped BSLI be closer to its policy holders
expectations, which gets further accentuated by the complete bouquet of insurance products (viz. pure
term plan, life stage products, health plan and retirement plan) that the company offers.

Vision
To be a leader and role model in a broad based and integrated financial services business.

Values
Integrity
Commitment
Passion
Seamlessness
Speed

About Birla Sun Life Insurance

Birla Sun Life Insurance Company Limited (BSLI) is a joint venture between the Aditya Birla Group, a
well known Indian conglomerate and Sun Life Financial Inc., one of the leading international financial
services organisations from Canada. With an experience of over a decade, BSLI has contributed to
the growth and development of the Indian life insurance industry and is currently one of the leading
life insurance companies in the country. BSLI has a customer base of over two million policy holders.
The Company offers a complete range of offerings comprising protection solutions, children's future
solutions, wealth with protection solutions, health and wellness solutions, retirement solutions and
savings with protection solutions. It has an extensive distribution reach in over 500 cities through its
network of over 560 branches, around 85,000 empanelled advisors and over 140 partnerships with
corporate agents, brokers and banks. Birla Sun Life Insurance has total assets under management of
Rs.26,813 Crores and a robust capital base of over Rs.2,170 Crores, as on 30th Jun, 2014. For more
information, please visitwww.birlasunlife.com

About Aditya Birla Financial Services Group (ABFSG)

Aditya Birla Financial Services Group (ABFSG) ranks among the top 5 fund managers in India
(excluding LIC) with an AUM of USD 20.4 billion. Having a strong presence across the life insurance,
asset management, NBFC, private equity, retail broking, distribution & wealth management, and
general insurance broking businesses, ABFSG is committed to serve the end-to-end financial services
needs of its retail and corporate customers. The seven companies representing ABFSG are: Birla Sun
Life Insurance Company Ltd., Birla Sun Life Asset Management Company Ltd., Aditya Birla Finance
Ltd., Aditya Birla Capital Advisors Pvt. Ltd., Aditya Birla Money Ltd., Aditya Birla Money Mart Ltd. and
Aditya Birla Insurance Brokers Ltd. In FY 2013-14, ABFSG reported consolidated revenue from these
businesses at Rs. 6,640 Crore (USD 1.1 billion) and earnings before tax at Rs. 745 Crore. Anchored
by about 13,000 employees and trusted by over 5.3 million customers, ABFSG has a nationwide
reach through 1,500 points of presence and about 130,000 agents / channel partners.
About Aditya Birla Nuvo
Aditya Birla Nuvo is a ~USD 4 billion conglomerate operating in the services and the manufacturing
sectors, where it commands a leadership position. Its service sector businesses include Financial
Services (Life Insurance, Asset Management, NBFC, Private Equity, Broking, Wealth Management and
general insurance advisory), Fashion & Lifestyle (Branded apparels & Textiles) and Telecom. Its
manufacturing businesses comprise of the Agri, Rayon and Insulators businesses.
Aditya Birla Nuvo is part of the Aditya Birla Group, a USD 40 billion Indian multinational. The Group
operates in 36 countries across the globe, is anchored by an extraordinary force of about 120,000
employees belonging to 42 nationalities and derives more than 50% of its revenue from its overseas
operations.

About Sun Life Financial

Sun Life Financial is a leading international financial services organization providing a diverse range of
protection and wealth products and services to individuals and corporate customers. Sun Life

Financial and its partners have operations in key markets worldwide, including Canada, the United
States, the United Kingdom, Ireland, Hong Kong, the Philippines, Japan, Indonesia, India, China,
Australia, Singapore, Vietnam, Malaysia and Bermuda. As of June 30, 2014, the Sun Life Financial
group of companies had total assets under management of $684 billion.
Sun Life Financial Inc. trades on the Toronto (TSX), New York (NYSE) and Philippine (PSE) stock
exchanges under the ticker symbol SLF.

Our People
Mr. Ajay Srinivasan; Non Executive Director

Ms. Keerti Gupta; Head - Risk

Mr. Mayank Bathwal; Deputy Chief Executive Officer
Mr. Venkatesh Mysore; Non Executive Director
Mr. Lalit Vermani; Chief Legal Compliance & Risk Officer
Mr. Sashi Krishnan; Chief Investment Officer
Mr. Amit Jain; Chief Financial Officer
Mr. Anil Kumar Singh; Chief Actuarial Officer & Appointed Actuary
Mr. Pankaj Razdan; Managing Director & CEO
Mr. Sandeep Asthana; Non-Executive Director

Awards
Year

Awarded From

Title

2011

Golden Peacock Global

Awards Secretariat

Golden Peacock Award

2011

Internet Advertising
Competition
(IAC)Awards 2011

Best Insurance Integrated ad campaign (NotJobsButPassion

campaign)

2011

Advertising Agencies
Association of India &
Advertising Club
Bombay

Bronze - Media Abby Awards at Goa Fest 2011 as Best Never

Before use of Media

2011

Advertising Agencies
Association of India &
Advertising Club
Bombay

Gold - Creative Abby Awards at Goa Fest 2011 as Direct

marketing Dimensional Mail

2011

Advertising Agencies
Association of India &
Advertising Club
Bombay

Best use of Outdoor & Ambient media Awards at Goa Fest 2011 Direct marketing Flat Mail

2011

BBC.com-Campaign
India Digital Media
Awards 2011

Gold - "financial services website" category for Birla Sun Life

Insurance - NotJobsButPassion microsite

2010

APPIES 2010 - Asia

Pacific Advertising &
Marketing Congress

Silver Medal & a letter of appreciation for - Wealth with

Protection Solutions campaign

2010

14th Annual Webby

Awards 2010

Official Nominee - BSLI Email marketing campaign 'Save Forest'

2009

Institute of Chartered
Accountants of India
(ICAI)

ICAI Awards for Excellence in Financial Reporting - Silver in

Insurance Category

2009

Recruiting and Staffing Best in Class Award

BSLI Protector Plus Plan

Other Plans (3 Results)
BSLI Protect@Ease
BSLI Easy Protect Plan
BSLI Future Guard Plan
A plan that assures financial security for your family while keeping pace with your growing needs,
and rewards you for a healthy lifestyle
Your family means the world to you. You strive hard to offer them comfort, security and happiness. But life
is full of uncertainties. You never know what's in store. You might have made plans to protect the financial
future of your loves ones from unforeseen circumstances. But are you sure that today's plans are going to
be enough for tomorrow's needs?
To deal with growing expectations and secure the financial future of your family, Birla Sun Life Insurance
has come up with the perfect protection solution for you. Introducing the BSLI Protector Plus Plan. With a
higher Sum Assured, it protects your family's future and ensures that they lead their lives without any
financial worries.
BSLI Protector Plus Plan
Policy Term

10 years 20 years 30 years 10 years 20 years 30 years 10 years 20 years 20 years

Sum Assured Option

Smoker

Level

14,590

20,070

27,530

11,390

14,890

20,080

10,630

13,670

18,260

Increasing @ 5%

16,470

27,620

45,090

12,540

19,600

31,430

11,720

17,790

28,160

Increasing @ 10%

18,590

35,370

62,780

13,900

24,620

42,880

12,810

22,150

38,270

Non-Smoker

Preferred Non-Smoker

Key Advantages:

Complete financial protection at an affordable cost

Hedge against the rising cost of living with an option of increasing Sum Assured
Rewards for a healthy lifestyle
Option to receive death benefit as Annual Income
Enhance your insurance with appropriate rider options

Quick view
Entry Age

18 to 65 years of age

Sum Assured Option

I - Level Sum Assured

II - Increasing Sum Assured

Policy Term

5 to 30 years, subject to max. age on maturity: 70 years

Premium Paying Term

Regular Pay

Premium Mode

Annual | Semi-annual | Quarterly | Monthly

Sum Assured

Min. Rs. 30,00,000

Max. no limit (subject to underwriting guidelines)

Premium

Min. Rs. 3,024

BSLI Future Guard Plan

BSLI Future Guard Plan provides complete financial freedom even when you're not around, so
that your loved ones live comfortably. This plan is ideal for you if you want an economical way of
providing for life insurance cover and would like to protect your family in the unfortunate event of
you not being around, yet receive all your premiums back on maturity. So you can enjoy life
knowing that your family's future is secured and guaranteed even in your absence and your
premiums are yours on your survival.

How does the plan work?

Step 1

Choose your type of plan

You choose the type of plan depending on what you desire at the end of policy term.
Plan A - 100% return of your premiums paid
Plan B - 110% to 150% return of your premiums paid depending on your policy term

Step 2

Choose your policy term

You choose the number of years for which you want to be protected. You can choose a
policy term of 10, 15, 20, 25 or 30 years.

Step 3

Choose your sum assured

You choose the sum assured payable on the death of the life insured.

For easy reference, your Sum Assured is banded as follows

Sum Assured Band

Band 1

Band 2

Band 3

Sum Assured (Rs.)

500,000 to 999,999

1,000,000 to 2,499,999

2,500,000 +

Premium Details
Your premium will depend upon age, gender, plan type, policy term and the sum assured chosen by
you. Choose premium payment mode as per your convenience. Your annual premium will be
multiplied by:

1.000 for annual instalments

0.520 for half-yearly instalments
0.265 for quarterly instalments; or
0.090 for monthly instalments

Indicative Premium rates per 1,000 Sum Assured for 30 year old male as per policy term
Age (in years)

Premium rate per 1,000 Sum Assured (5 lacs to < 10 lacs)

10

15

20

255

30

Plan A

15.76

13.53

11.77

10.65

10.15

Plan B

25.42

24.11

19.20

15.52

13.61

ELIGIBILITY
Entry Age

18 65 years of age

Policy Term

10,15,20,25,30 years, subject to max age on maturity : 75 years

Premium Paying Term

Regular Pay
:

Premium Mode
Sum Assured

Annual | Semi-annual | Quarterly | Monthly

Min. Rs. 500,000
Max. No Limit

BSLI Easy Protect Plan

Your life responsibilities might either be escalating or have been steady. Protect your family against
the extra liabilities of life by choosing the plan option best suitable for your needs. Birla Sun Life

Insurance presents Easy Protect Plan, a traditional term insurance plan which offers you flexible
cover options that include increasing as well as constant term assurance. Secure your family
financially with convenience and at an affordable cost.
How does the plan work?
Step 1

Choose your sum assured and plan option (Level term/ Increasing term)

Step 2

Choose your Policy Term and Premium Paying Term

Step 3

Fill application form and pay premiums

Plan options to choose from:

Level Term Assurance - Your sum assured will remain constant for the entire policy term.
Increasing Term Assurance - Every year, your sum assured will increase by 5% or 10% of
the original sum assured without any increase in your premium amount.

Discover BSLI Easy Protect Plan

A traditional term insurance plan
Discover the benefit of Increasing Term Assurance with help of the following example:
Example: Atul, a 30 year old professional chooses BSLI Easy Protect Plan with the Increasing Term
Assurance option with 10% increase. The original sum assured is Rs. 50 lakhs. Every year the sum
assured will increase as shown in the following table:
Age (in years)

Policy Anniversary (in years)

Sum Assured (in Rs.)

30

50 lakhs

31

55 lakhs

32

60 lakhs

33

65 lakhs

34

70 lakhs

35

75 lakhs

Quick View :
Entry Age

18 55 years of age

Policy Option

I - Level Term Assurance

II - Increasing Term Assurance

Policy Term

5 to 30 years; subject to max. age of 80 years at the end of policy

term

Premium Paying Term

Premium Mode
Sum Assured

Regular | Single
:

Annual | Monthly (only by ECS)

Min. Rs. 50,00,000
Max. No Limit (subject to underwriting guidelines)

Key Features:

Complete financial protection at an affordable cost

Two plan options to suit your protection needs
Rewards for a healthy lifestyle

Income Tax benefits as per prevailing norms under the Income Tax Act, 1961

BSLI Vision Star Plan

We understand that you always want to give your child the best of
you hold your baby so carefully in your arms, you want to protect
and uncertainties of life. You question yourself time and again, 'Have
to
fulfill
every
single
dream

everything. From the moment

him/her from the vulnerability
I done enough? Am I prepared
of
my
child?'

As your child grows up and looks for success in this fast paced world, he will always look to you for
support and inspiration. He may want to discover his true passion and explore unconventional
career options. He might want to try new things until he is sure about this career path. You will
need to keep pace with his changing goals, you will need a plan that gives your child the
confidence to pursue and discover his/her real passion. Presenting, BSLI Vision Star Plan, so
that you can ensure that your child doesn't miss out on opportunities due to insufficient funds.
An illustration for you:
If at the age of 32, when your child is just born, you start investing a fraction of your income
Rs.5,000 monthly, for a period of 12 years. It will strengthen your child's wings when he is ready to
take flight towards a better tomorrow. He will receive payouts for his significant milestones:

At the age of 17 years & 19 years, when your child's dreams are finally taking shape. You
can get an amount of approx Rs. 1.75 Lakhs

At the age of 21 years, you get an amount of approx Rs. 2.5 Lakhs to support him as he
goes after his dreams.

And finally on your child turning 23, you get an amount of approx Rs. 12 Lakhs to give him
the right platform as he takes off in his career.
All this while, you have the flexibility to get the benefits of your payouts as per your child's need,
and deferring the payouts if required. During this time,if something happens to you, the policy
continues in your absence and your child receives the amount he is eligible for, at the time of
payouts as decided by you. Thus, you can relax with the surety that your child will never have to
compromise on his dreams. Note: Illustration is assuming 8% return and in Option A as mentioned
below. .
Quick View
Entry Age (age on last birthday)

18 55 years

Max Maturity Age

75 years

Minimum Policy Term

For Option A - 16 years (maximum of 23 years)

For Option B - 14 years (maximum of 21 years)

Premium Paying Term

5 -12 years

Minimum Sum Assured

Rs. 100,000

Premium Frequency

Annual, Semi-annual, Quarterly & Monthly

BSLI Empower Pension Plan

Other Plans (2 Results)
BSLI Empower Pension - SP Plan
BSLI Immediate Annuity Plan

Retirement, the time of life we all look forward to; when the worries of working life cease and a life
of fun and bliss begins. Each one of us wishes to be empowered enough for a retired life of our
choice; to be able to fulfill our dreams, relax, pursue hobbies that we could not during our working
lives.
In this policy, investment risk in investment portfolio is borne by the policyholder.
Retirement is the time of life when the worries of working life cease and a life of fun and bliss
begins. Each one of us wishes to be empowered enough for a retired life of our choice; to be able to
fulfill our dreams, relax, pursue hobbies that we could not during our working lives.
Presenting the BSLI Empower Pension Plan, a plan designed especially to ensure that you remain in
control of your destiny even during the second innings of life. A unit linked, non-participating
pension plan it is simple, hassle-free and helps you to focus on your goals and enhance your savings
for your future ensuring it is free from worries.
Plan Summary
Entry Age (age on last birthday)

25 70 years

Accumulation Period

5 30 years subject to maximum vesting age of 80 years

Pay Term

Regular pay

Basic Premium

Minimum
Minimum
Minimum
Minimum

Rs.
Rs.
Rs.
Rs.

18,000
24,000
30,000
36,000

p.a.
p.a.
p.a.
p.a.

if
if
if
if

paid annually
paid semi-annually,
paid quarterly; or
monthly

How The Plan Works

Step
1

Choose your policy premium

You choose the policy premium amount you wish to pay every year till the vesting date. You can pay
in monthly, quarterly, semi-annual or annual installments.
Please ask your financial advisor for details about the range of convenient payment methods we
offer.

Step
2

Choose your vesting date

You choose a vesting date so as to have an accumulation period of 5 to 30 years.

Step
3

Choose your risk profile

You choose your risk profile based on your risk appetite Aggressive | Moderate | Conservative.
Once chosen, the risk profile cannot be changed.

Your Guaranteed Vesting Benefit is automatically determined based on the above choices.

BSLI Empower Pension - SP Plan

Your retirement years are your second innings, a new life where you leave behind your working life
and responsibilities and find time for yourself.
In this policy, investment risk in investment portfolio is borne by the policyholder.Linked Insurance
Products do not offer any liquidity during the first five years of the contract. The policyholder will not
be able to withdraw/surrender the monies invested in Linked Insurance Products completely or
partially
till
the
end
of
the
fifth
year
from
inception.
Your retirement years are your second innings, a new life where you leave behind your working life
and responsibilities and find time for yourself. During this time, you want to be empowered to do all
that you could not while working - exotic holidays, time with family and loved ones, pilgrimage, etc.
However, to enable yourself to have a worry free retirement, you need to plan right, so that you can
truly
enjoy
your
golden
years.
Presenting, BSLI Empower Pension SP Plan this plan will help you gain financial freedom during
your second innings. Helps you focus on your goals and enhances your savings for a future free
from worries.
How does the plan work?
BSLI Empower Pension - SP Plan is a unit linked, non-participating single pay pension plan.
A simple, hassle free plan that invests your single premium and the investment returns thereof into
a corpus for your retirement. This period of retirement corpus generation is called the "accumulation
period". Once you decide to vest your policy, you will enter into the "income phase" where your
corpus will be used to purchase a stream of regular income payable for the rest of your lifetime.
During the accumulation period we offer our Smart Option - an option where you allow us to
manage and administer your investment portfolio on your behalf, based on your chosen vesting date
and
risk
profile
to
meet
your
retirement
objectives.
Your accumulated retirement corpus is utilized at vesting (retirement) to purchase an annuity option
with us prevailing at that time.

BSLI Vision LifeIncome Plan

In today's world, we try to plan for all of life's important stages and milestones keeping in mind our
growing responsibilities. And, to supplement these efforts, we sometimes wish for an extra source of
regular income. Introducing the BSLI Vision LifeIncome Plan, a traditional participating whole life
plan that helps you to not only plan your financial goals but also realise your dreams by providing
you with a steady income and whole life cover. With survival benefits payable every year from the
end of the premium paying term till maturity and a life insurance benefit, this plan offers a perfect
blend of income and financial protection for you and your family.
Key Features

5% of the Sum Assured guaranteed plus bonus every year after premium paying term.
Comprehensive financial protection for your family with whole life covers to age 100.
Premium rebates on high Sum Assured, Annual & Semi Annual modes of payment and ECS
method of payment.
Access to suitable Rider options for added protection, at a nominal extra cost.
Tax benefits under Section 80C, 80D and Section 10(10D) of the Income Tax Act, 1961.

BSLI Vision Endowment Plan

In these uncertain times, there's nothing more assuring than knowing that your money is safe.
Except
knowing
that
you
will
get
more
than
you
expect.
With the BSLI Vision Endowment Plan you can secure your savings and provide your family with
comprehensive financial protection. It offers growth in your savings with accrued bonuses starting
from the first policy year and also secures your loved ones' future. This plan offers you best of both
worlds.
Your investment can now go a long way in building a safe and financially sound future for your
family, today as well as in the years to come.
Let's understand this plan with the help of an example.
Shravan is 35 years old. He wants to secure his family's financial future with an investment solution
that also offers returns on his investment. He chooses to secure his life for a 20 year term with the
BSLI Vision Endowment Plan.
He chooses a sum assured of Rs.2,50,000 and a premium paying term of 10 years in the annual
mode, where his premium is set at Rs.16,017 Total Maturity Benefit he can expect at the end of a
20 year term at 8% interest will be Rs.3,75,170.
In case of Shravan's untimely demise, the Guaranteed Death Benefit his family can expect will be
Rs. 2,50,000and any additional bonuses accrued till the date of death. In case of death by accident,
his sum assured will double, i.e. Rs.5,00,000.
Note:
The
rates
mentioned
above
are
bound
to
change
in
the
future.
Please contact the company for final rates applicable to you at the time of purchase.
The premium amount is exclusive of Service Tax and Education Cess if any.

BSLI Savings Plan

Presenting, the BSLI Savings Plan. It not only helps you save money regularly but also enables its
steady growth over time. With this plan, you and your loved ones gain peace of mind and the
potential of a secure financial future to meet your financial needs
Life is full of uncertainties and seldom turns out the way one expects it to be. We all look for
security; whether it is for our family's future or for our savings. Given a choice, we would leave
nothing to chance when it comes to fulfilling goals and securing family's well-being.
Presenting, the BSLI Savings Plan. It not only helps you save money regularly but also enables its
steady growth over time. With this plan, you and your loved ones gain peace of mind and the
potential of a secure financial future to meet your financial needs.
Let's understand this plan with the help of an illustration
Sachin is 35 years old. He wants to secure his family's financial future should anything unfortunate
happen to him. He chooses to secure his life for a 20 year term with the BSLI Savings Plan. Based
on his life stage, his premium per year is set at Rs. 7,267. Total Maturity Benefit he can expect at
the end of a 20 year term at 8% interest will be Rs. 2,34,000. Plus he can expect Guaranteed
Additions which are up to Rs. 20,000 from the 5th year onwards. He can also expect Guaranteed
Benefit
of
Rs.
120,000
at
the
end
of
the
policy
term.
In case of Sachin's untimely demise, the Death Benefit his family can expect will be Rs. 286,607.
His family can also expect; Estimated Bonuses of Rs. 140,000.

BSLI Income Assured Plan

You have always understood the necessity of planning for important milestones in life. While you
planned, you may have also wished for an extra income stream that could fund special moments in
your life. Now that is a wish that can come true. See how you can better plan for your financial
goals and realize your financial dreams with BSLI Income Assured Plan.
You carefully map out every stage of your life. As you get closer to realising the dreams that your
family and you have at each stage, you wish for an extra stream of income to help realise these
dreams more easily. This could easily be made possible with a little planning. With BSLI Income
Assured Plan, we help you plan better and realise your family's and your own dreams while
achieving your financial goals.
BSLI Income Assured Plan is a traditional non-participating savings with protection plan. With
assured income benefits payable from the end of the premium-paying term till maturity and life
insurance benefit, this Plan offers you the perfect blend of monthly income with financial security for
your family
How does the plan work?
You can customise your policy to suit your needs by choosing the pay term and the policy term. You
can choose from the following:

5 years pay term for 15 year policy term

7 years pay term for 17 or 22 year policy term
10 years pay term for 20 or 25 years policy term

BSLI Vision Endowment Plus Plan

In our life when there is so much uncertainty around us, there's nothing more reassuring than
knowing that not only is your money safe, but also that you will get more than what you have
invested. With the return of premium along with accrued bonuses on maturity and protecting your
family's
financial
security,
this
plan
offers
you
the
best
of
both
worlds.
So by investing in BSLI Vision Endowment Plus Plan, your investment can go a long way in building
a safe and financially sound future for your family, today as well as in the years to come.
Let's understand this plan with the help of an example.
Ketan is 35 years old. He wants to secure his family's financial future with an investment solution
that also offers returns on his investment. He chooses to secure his life for a 20 year term with the
BSLI Vision Endowment Plus Plan. He chooses a sum assured of Rs.2,50,000 and premium paying
term for 10 years. For this plan, he has a choice of selecting Death Benefit options best suited for
his family. Based on his life stage & death benefit option A, his premium per year is set at Rs.
17,509. He can expect Rs. 4,05,085 as the total Maturity Benefit at the end of a 20 year term at 8%
p.a. He can also expect Guaranteed Maturity Benefit of Rs. 1,75,085 at the end of the policy term.
In case of Ketan's untimely demise, the total Death Benefit his family can expect will be Rs.
4,80,000.
If he chooses the Death Benefit Option B, the premium he has to pay is Rs. 18,131. The total
Maturity Benefit is Rs. 411,308 at the end of a 20 year term at 8% p.a. He can also expect
Guaranteed Maturity Benefit of Rs. 1,81,308 (Option B) at the end of the policy term. The total
Death Benefit his family can expect will be Rs. 6,05,000 for Option B at 8% p.a.
Note: The rates mentioned above are bound to change in the future. For more details on Death
Benefit
options,
please
refer
to
the
product
brochure.
Please contact the company for final rates applicable to you at the time of purchase.

How The Plan Works

Step
1

Choose your sum assured

Step
2

Choose your premium paying term

Step
3

Choose your premium frequency

Step
4

Choose the Death Benefit Option

Your premium will depend on the amount of the Sum Assured you select.
Plan Summary
Entry Age (age on last birthday)

30 days* 60 years (subject to maximum maturity age of 70 years )

Policy Term

10 40 years

Premium Paying Term

7 | 10 | 15| 20 years | Regular Pay

Minimum Sum Assured

Rs. 100,000

Minimum Premium

Rs. 7,000

Premium Frequency

Annual, Semi-annual, Quarterly & Monthly

* risk commences when the life insured attains age 1

BSLI Vision Endowment Plus Plan

In our life when there is so much uncertainty around us, there's nothing more reassuring than
knowing that not only is your money safe, but also that you will get more than what you have
invested. With the return of premium along with accrued bonuses on maturity and protecting your
family's
financial
security,
this
plan
offers
you
the
best
of
both
worlds.
So by investing in BSLI Vision Endowment Plus Plan, your investment can go a long way in building
a safe and financially sound future for your family, today as well as in the years to come.
Let's understand this plan with the help of an example.
Ketan is 35 years old. He wants to secure his family's financial future with an investment solution
that also offers returns on his investment. He chooses to secure his life for a 20 year term with the
BSLI Vision Endowment Plus Plan. He chooses a sum assured of Rs.2,50,000 and premium paying
term for 10 years. For this plan, he has a choice of selecting Death Benefit options best suited for
his family. Based on his life stage & death benefit option A, his premium per year is set at Rs.
17,509. He can expect Rs. 4,05,085 as the total Maturity Benefit at the end of a 20 year term at 8%
p.a. He can also expect Guaranteed Maturity Benefit of Rs. 1,75,085 at the end of the policy term.

In case of Ketan's untimely demise, the total Death Benefit his family can expect will be Rs.
4,80,000.
If he chooses the Death Benefit Option B, the premium he has to pay is Rs. 18,131. The total
Maturity Benefit is Rs. 411,308 at the end of a 20 year term at 8% p.a. He can also expect
Guaranteed Maturity Benefit of Rs. 1,81,308 (Option B) at the end of the policy term. The total
Death Benefit his family can expect will be Rs. 6,05,000 for Option B at 8% p.a.
Note: The rates mentioned above are bound to change in the future. For more details on Death
Benefit
options,
please
refer
to
the
product
brochure.
Please contact the company for final rates applicable to you at the time of purchase.

How The Plan Works

Step
1

Choose your sum assured

Step
2

Choose your premium paying term

Step
3

Choose your premium frequency

Step
4

Choose the Death Benefit Option

Your premium will depend on the amount of the Sum Assured you select.
Plan Summary
Entry Age (age on last birthday)

30 days* 60 years (subject to maximum maturity age of 70 years )

Policy Term

10 40 years

Premium Paying Term

7 | 10 | 15| 20 years | Regular Pay

Minimum Sum Assured

Rs. 100,000

Minimum Premium

Rs. 7,000

Premium Frequency

Annual, Semi-annual, Quarterly & Monthly

Conclusion

We are a young and vibrant organization that takes pride in being one of the fastest growing private
Life Insurance companies in India. We take satisfaction that our employee group comprises of a set
of passionate professionals. As Birla Sun Life Insurance, we firmly acknowledge that our employees
are the primary architects of our success. Hence we provide opportunities that align individual
capabilities to roles and an environment that elicits the best from an employee. We provide a
platform for building your career with opportunities of growth.
Our philosophy on performance is - pay for performance. Our work culture is - while hard work is
fun; fun at work is not hard! While we have a formal work structure, the environment is open, and
we encourage dialogue to ensure work is smooth and fun.
In a recently conducted internal survey, we found that 89% of our employees rated the organisation
high on "equal opportunity". Irrespective of gender, nationality, religion etc. and we strongly would
like to continue to hold that rating higher. People from different cultures and background all juggled
together from Aditya Birla family.
If you are a self driven professional with the right attitude, we have the right opportunity for you.
Browse through our Job Openings and apply for a position that suits your profile; or feel free to
send us your resume and we will get in touch with you.

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