global markets reeled on the back of many issues

8/4/2019 Global Markets Reeled on the Back of Many Issues

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Global markets reeled on the back of many issues. The first was China inflation and ability of

China's banks to cope with defaults of local governments. The second was the Eurozone debtissue, which threatened to go out of control with a default by Greece on its debt. The third

was the US debt ceiling issue. China issues remain and if China's growth slows downcommodity prices will react which is positive for India and global inflation. The Eurozone

countries have resolved the Greece issue temporarily while the US debt crises have been

resolved for now. Global markets will see choppy trading on the back of the macro issues. If

the trend of inflation and interest rates reverse emerging markets could try and catch up withdeveloped market performance The Indian economy while showing signs of weakening is

looking resilient despite global economic issues. The bond market received a shock when the

RBI raised the benchmark repo rate by a higher than expected 50bps. The rate hike, whichwas the third in as many months took the repo rate to 8% from 7.5%, this time around the

rate hikes have accelerated the transmission of higher policy rates to higher lending rates.India's manufacturing PMI fell to a 20-month low of 53.6 in July from 55.3 in June, owing tolower domestic and export orders. Credit has also slowdown (from 21% to 18.5% YoY )

substantially on the other front we see deposit growing at a much faster because of the high

interest rate. (From 15% to 18% YoY). Last declared inflation 9.44%, the composition of it

shows a softening of food inflation & core inflation moving up. Market have been lackluster throughout the last month where we saw a small rally in the corporate bond market because

of lack of supply but one new issue hit the market the gains in the market fissile out, the Gsec

market have nothing much to show as there was a overhang of the credit policy before itcame and reacted in very mute way after the 50bps was announced. Overall, the activity



data (IIP, PMI & non food credit growth) indicate that the economy has already hit a soft

patch. Most indicators suggest that the slowdown will gain further traction as both domestic

and external demand starts to fade, inflation remains uncomfortably high owing to rising cost pressures, even after the recent correction, global commodity prices are 30% higher than they

were a year ago. Inflation will be ~10.5% in the coming month (taking in to effect the

adjustment for fuel Price hike)

Equity

The month of July 2011 disappointed Indian investors as domestic benchmark indices lost

3.4% post the smart recovery at the end of June 2011. The sudden down-move in equitymarkets was mainly triggered by RBI's surprise move to raise policy rates by 50bps to 8% v/s

market expectations of a 25bps hike. The persistence of inflation at 9% plus levels over the past 6 months, coupled with indications of continued strong demand & high globalcommodity prices, appears to be the key reason for this aggressive move. RBI has maintained

its stance to tame inflation over sustaining growth clearly stating that he would wait for

'sustained downturn' in inflation before pausing. With sticky inflation, rising interest rates

and delayed investment cycle the domestic growth slowdown is clearly evident from India'sManufacturing PMI (Purchasing Managers Index above 50 shows growth) falling to a 20-

month low of 53.6. The saving grace has been the Services sector PMI which rose to a 3-

month high in July, rebounding to 58.2 from a 20-month-low of 55.0 in May, as both outputand new service requirement orders rose sharply. On the global front, developed market



equity investors too became jittery in the run-up to August 2nd deadline for US to raise its

debt ceiling to avert a default. While it was quite obvious that the law-makers would scrape

through the deadline to raise the debt ceiling, the fear of a US debt downgrade from thecurrent "AAA" rating by credit rating agency, S&P, was haunting global investors resulting

in a sell-off in global equity markets. On global macro-economic front, US employment data

remains weak resulting in US consumer spending, which accounts for 70% of economicactivity, dropping 0.2% in June, the biggest and first drop since September 2009 while the

savings rate rose to 5.4% in June, the highest level in nearly a year and up from May's rate of

5.0%. European Union's sovereign debt market worries have continued with doubtsremaining of the debt sustainability of Greece and the ability of Italy & Spain to fund deficits

and roll their debt forward. Peripheral Europe's deficit & debt reduction to levels consistent

with a smooth functioning of European Union in benign as well as nervous financial markets

will take a long time.



Individual Solutions

At Birla Sun Life Insurance, we look at life from your perspective. Hence, no matter what

your dreams are - be it long term protection, wealth creation, health, retirement security or your children’s education, we provide you customised insurance solutions to meet all your

Life needs successfully.

Our Protection Solutions for your family's life insurance needs.

BSLI Protector Plan

s you achieve new heights of success over time, your lifestyle improves in step with your

progress. So does the cost of living, thanks to a steady rise in inflation rates. You need a plan

that ensures your loved ones enjoy the same lifestyle even under unforeseen circumstances.

Birla Sun Life Insurance offers you the perfect protection solutions with BSLI Protector Plans. These are affordable plans that grow in step with your growing needs, thanks to an

increasing Sum Assured year after year, at the same premium. The plans include BSLI

Protector Plan and BSLI Protector Plus Plan. As you progress through life, your needs

and that of your loved ones grow and change over time. However, life being uncertain, you

need to ensure that your family enjoys the same lifestyle, even when you are not around.

BSLI Protector Plan provides complete financial freedom to your loved ones, even in your

absence, so that they continue to live in comfort. BSLI Protector Plan Key Features :

• Complete financial protection at an affordable cost

• Hedge against the rising cost of living with an option of increasing Sum Assured

•

Enhanced insurance with appropriate rider options• Income Tax benefits as per prevailing norms under the Income Tax Act, 1961

Annual Premiums for BSLI Protector Plan BSLI Protector Plan offers affordable and

guaranteed protection for everyone. It also offers automatic premium reduction to women.Given below are sample annual premiums for male and female, both aged 35, with a Sum

Assured of Rs.20,00,000, under Level Sum Assured and Increasing Sum Assured options:

Policy Term5

years

10

years

20

years

30

years

5

years

10

years

20

years

30

years

Sum Assured

OptionMale Female

Level 3,130 3,610 4,920 6,060 2,890 3,230 4,170 5,000

Increasing @5%

3,280 4,070 6,590 9,620 3,010 3,590 5,400 7,680

Increasing @

10%3,430 4,540 8,270 13,360 3,140 3,960 6,680 10,490

Premiums shown above are prior to service tax and education cess as applicable. Plan

Summary Entry Age 18 to 65 years of age

Sum Assured OptionI - Level Sum Assured

II - Increasing Sum Assured

Policy Term5 to 30 years, subject to max. age on maturity: 75

years



Premium Paying

TermRegular Pay

Premium Mode Annual | Semi-annual | Quarterly | Monthly

Sum AssuredMin. Rs. 5,00,000

Max. Rs. 49,99,999

Please ask your financial advisor or visit our website to determine the premium rate

applicable for your policy. Other Benefits : Death Benefit: In case of the unfortunatedemise of the life insured during the policy term, the Sum Assured as per chosen option will be paid to the nominee. The policy shall be terminated once the Death Benefit is paid.

Maturity Benefit: In the event the life insured survives to the end of the policy term, no

benefit is payable on maturity and the policy shall be terminated thereafter.This plan offer no policy loan, surrender value or paid-up value. This plan offer the

following Rider options, to enhance your financial security For added protection, BSLI

Protector Plan can be enhanced by the following riders for a nominal extra cost: Critical

Illness Rider (UIN: 109C019V01): On diagnosis of any of the four illnesses - Heart Attack,Cancer, Major Organ Transplant and Stroke, you will receive upto 100% of the Rider Sum

Assured. Accidental Death and Disability Rider (UIN: 109C018V01): In the event of

death due to an accident, your nominee will receive the chosen Rider Sum Assured upto amaximum of Rs. 50,00,000. In the event of disability due to an accident, you will receive a

fixed percentage of the Rider Sum Assured, depending on the type of injury. Hospital Care

Rider (UIN: 109C016V01): In the event that you are hospitalised for treatment, you willreceive Daily Cash Benefit to take care of your expenses. In case you are treated in an

Intensive Care Unit, you will receive an enhanced Daily Cash Benefit. To help you cover

your recuperation expenses, you will be paid a lump sum amount, in case you are

hospitalised for more than seven days for the same disease. Surgical Care Rider (UIN:

109C015V01): In case you are hospitalised to undergo a surgery, you will be paid a lump

sum amount to cover your expenses. Waiver of Premium Rider (UIN: 109C017V01): In

case life insured/policyholder is unable to pay the policy premiums due to a disability,

critical illness or untimely demise, all future premiums of the base plan and the attachedriders will be paid by BSLI and all policy benefits will continue..

BSLI Protector Plus Plan

As you achieve new heights of success over time, your lifestyle improves in step with your

progress. So does the cost of living, thanks to a steady rise in inflation rates. You need a planthat ensures your loved ones enjoy the same lifestyle even under unforeseen circumstances.

Birla Sun Life Insurance offers you the perfect protection solutions with BSLI Protector

Plans. These are affordable plans that grow in step with your growing needs, thanks to anincreasing Sum Assured year after year, at the same premium. The plans include BSLI

Protector Plan and BSLI Protector Plus Plan. As someone with a successful career, you

are a pillar of strength for your family. However, you also need to provide for unforeseen

circumstances with a powerful solution that meets different expectations and takes care of your family's financial security. BSLI Protector Plus Plan offers you the perfect protection

solution, thanks to a higher Sum Assured as well as rewards for a healthy lifestyle. BSLI

Protector Plan Key Features :

• Complete financial protection at an affordable cost



• Hedge against the rising cost of living with an option of increasing Sum Assured

• Enhanced insurance with appropriate rider options

• Rewards for a healthy lifestyle

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

BSLI Premium Back Term PlanBSLI Premium Back Term Plan is a unique, low-cost term plan that offers you an assured

peace of mind with premium back on maturity.

Optimal life insurance cover

This plan offers you optimal life insurance cover at low costs, thus ensuring your family's

financial security in case something unfortunate happens to you.

Money back at maturity

You receive the total premiums paid over the policy term at maturity.

Choice of maturity benefits

The plan offers two maturity benefits to choose from – 100% Premium Back or 125%

Premium Back.

Benefit 100% Premium Back 125% Premium Back

Death Sum assured + 100% premium back paidtill date

Sum assured + 100% premium back paidtill date

Maturity 100% premium back 125% premium back

Tax Benefits

Investments in this plan are eligible for tax benefits under Sections 80C and 10(10D) of theIncome Tax Act, 1961.

More Benefits

Death benefit In the event of your unfortunate death, the nominee receives the Sum Assured

along with the premiums paid till date. Riders The plan offers three riders – AccidentalDeath and Dismemberment Rider, Critical Illness Rider and Waiver of Premium Rider.



Plan Summary

Entry Age Minimum - 18 years

Maximum - 50 years for the 20 year term

55 years for the 10 and 15 years term plan

Minimum sum assured Rs. 2,00,000

Premiuim Paying Frequency Annually, semi- annually, quarterly or on a monthly basis

Tax Benefits Under Section 80C and 10(10D) of the Income Tax Act,1961

Our Children’s Future Solutions To take care of your children's need.

Birla Sun Life Insurance Children’s Future Solutions are designed to help you build a corpusthat allows you to meet the major expenses of your child in future. Besides providing you life

cover to ensure that your child’s dream is secured, they also offer you the choice of

guaranteed returns or the flexibility to manage your fund options to make your money growas per your needs.

BSLI Classic Child Plan

When it comes to planning for your child's future, you wish for a plan that secures your

their future and also gives you the flexibility to manage your savings. Presenting the BSLIClassic Child Plan - a plan that secures your child's future, and gives you the freedom to

direct your savings to our range of 10 Investment Funds. This plan offers you:

• Joint life cover for you and your child• Flexibility of growing your savings through 10 Investment Funds, as per your risk appetite

• Enhanced financial security for your loved ones

How BSLI Classic Child Plan works:

1. You choose the Savings Date that suits your financial goals for your child.2. Your Policy Term will be the Savings Date + 20 years.

3. You choose the Basic Premium you want to pay every year.

4. You will receive Basic Sum Assured which is the minimum death benefit payable on

the demise of the primary life insured. The Basic Sum Assured is automaticallydetermined as your Basic Premium multiplied by:

o The higher of 10 or the number of years to maturity divided by 2, for entry

ages below 45; or

o The higher of 7 or the number of years to maturity divided by 4, for entry ages

45 and above5. You have an option to choose an Enhanced Sum Assured and increase the financial

security for your child's future. With this option you can choose any amount of

additional life cover over and above the Basic Sum Assured at a nominal cost.



6. You have an option to choose from our range of riders and customise your family's

future financial security.

Based on your above choices you will receive a host of benefits as below:

1. Maturity Benefit: You will receive the Fund Value at maturity.2. Death Benefit: In case of the unfortunate demise of the primary life insured while the

policy is in effect, we will pay to the beneficiary the Basic Sum Assured. The policy

will continue as long as the secondary life insured is alive.

Prior to the Savings Date:

o In case of the unfortunate demise of the primary life insured (grand / parent),

we will pay the Basic Sum Assured plus Enhanced Sum Assured, if any, andall future Basic Premiums in monthly installments starting from the next

policy month

o In case of the unfortunate demise of the secondary life insured (child), we will

terminate the policy on the Savings Date and pay the Fund Value as on that

dateo In case of the unfortunate demise of the secondary life insured (child), we will

terminate the policy on the Savings Date and pay the Fund Value as on thatdate

Starting from the Savings Date:

o In case of the unfortunate demise of the primary life insured (child), we will

pay the Basic Sum Assured

o In case of the last unfortunate demise of the primary or secondary life insured,

we will terminate the policy and pay the Fund Value3. Enhanced Sum Assured: Based on your needs you can increase the life cover over

and above the Basic sum Assured by opting for the Enhanced Sum Assured at

inception. You can choose any amount of Enhanced Sum Assured, subject to aminimum of Rs. 50,000 and not exceeding Basic Sum Assured.

4. Joint Life Benefit: This is a joint life insurance policy where the grand/parent is the

primary life insured and the child is the secondary life insured. On the Savings Date,

the child becomes the primary life insured and the grand / parent becomes thesecondary life insured.

5. Surrender Benefit: In case of emergency fund requirements, you can surrender your

policy after the completion of five policy years, and receive the Fund Value at that

time. Prior to Savings Date, in situations where the primary life insured (grand / parent) is dead, the secondary life insured (child) can surrender the policy anytime

after attaining age 18.6. Top-up Premium: If you wish to increase your investment in the policy, you have

the freedom to invest additional amounts to your premium as top-up premiums,

anytime during the policy term, except in the five years prior to maturity and as longas all due policy premiums have been paid. The minimum top-up premium is Rs.

5,000 and your Basic Sum Assured will be automatically increased. For more details

please refer to our brochure.



7. Guaranteed Additions: Your policy enjoys a boost in form of additional units. For

more details on the guaranteed additions, please contact your financial advisors or

refer to our brochure.8. Partial Withdrawals: You can make unlimited partial withdrawals to meet any

financial emergencies any time after (a) five complete policy years or (b) secondary

life insured attaining the age of 18, whichever is later.9. Policy Loans: You can also avail loans on your policy.

Self-Managed Option - The flexibility to direct your savings in our range of 10 funds

The Self-Managed Option gives you complete access to invest your premiums in our well

established suite of 10 investment funds, ranging from 100% debt to 100% equity. You alsoenjoy full freedom to switch from one investment fund to another, as per your changing

requirements.

• Choose from our range of 10 Investment Funds, to suit your risk appetite• Allocate your savings the proportion of your choice

• Change your allocations as per your changing requirements

Choose from our Rider options to increase the financial security of your loved ones Critical Illness Rider: On diagnosis of any of the four illnesses - Heart Attack, Cancer,Major Organ Transplant and Stroke, you will receive upto 100% of the Rider Sum Assured.

Accidental Death and Disability Rider: In the event of death due to an accident, your

nominee will receive the chosen Rider Sum Assured up to a maximum of Rs. 50,00,000. Inthe event of disability due to an accident you will receive a fixed percentage of the Rider

Sum Assured, depending on the type of injury. Hospital Care Rider: In the event that you

are hospitalised for treatment, you will receive Daily Cash Benefit to take care of your expenses. In case you are treated in an Intensive Care Unit you will receive an Enhanced

Daily Cash Benefit. To help you cover your recuperation expenses, you will be paid a lump

sum amount, in case you are hospitalised for more than seven days for the same disease.

Surgical Care Rider: In case you are hospitalised to undergo a surgery you will be paid alump sum amount to cover your expenses. For more details on any of the riders mentioned above, please consult your BSLI financial advisor or refer to the rider brochure. Plan

Summary

Entry Age – Grand/Parent

– Child

18 – 65 years, provided age on Savings Date is 75 or

less

30 days – 17 years

Savings Date Child’s age 18 – 27, subject to minimum of 10 policyyears

Policy Term Savings Date + 20 years

Basic Premium Minimum Rs. 25,000 p.a. if paid annually

Minimum Rs. 30,000 p.a. if paid monthly, quarterly or

semi-annually

Pay Term Years to Savings Date

Top-up Premium Minimum Rs. 5,000

Enhanced Sum Assured Minimum Rs. 50,000 Not exceeding Basic Sum Assured

Insurance Dictionary



• Premium: The periodic payments made to acquire the insurance and maturity benefits

• Policy Term: Total benefit tenure of the policy

• Policy Surrender; Voluntary closure of policy before completion of policy term/td>• Maturity Benefit; The final amount which the customer receives at the end of policy term

• Rider: Additional protection for an extra premium on the base policy

BSLI Dream Child Plan

The best education, a successful career, a business start-up or wedding plans… when it

comes to planning for your child's future; you want to ensure that these dreams are fulfilled

under all circumstances. Presenting the BSLI Dream Child Plan - a plan that gives you aGuaranteed Savings Amount on the date of your choice to fulfill your child's dreams and a

range of options to enhance the financial security of your loved ones. This plan offers you:

•

Guaranteed Savings Amount on date of your choice• Joint life cover for you and your child

• Enhanced financial security for your loved ones

How BSLI Dream Child Plan works:

1. You choose the Guaranteed Savings Date that suits your objectives. Your Guaranteed

Savings Date is the policy anniversary when your child's attained age is from 18 to 27years, subject to a minimum of 10 policy years.

2. Your Policy Term will be your Guaranteed Savings Date + 20 years.

3. You decide the Basic Premium you want to pay every year.

4. You will receive Basic Sum Assured which is the minimum death benefit payable onthe demise of the primary life insured. The Basic Sum Assured is automatically

determined as your Basic Premium multiplied by:

o The higher of 10 or the number of years to maturity divided by 2, for entry

ages below 45; or

o The higher of 7 or the number of years to maturity divided by 4, for entry ages

45 and above

5. You have an option to choose an Enhanced Sum Assured to increase the financial

security for your loved ones. With this option you can choose any amount of

additional life cover over and above the Basic Sum Assured at a nominal cost.6. You have an option to choose from our range of riders to further customise the

financial security of your loved ones.

Based on your above choices, you will receive a host of benefits as below:

1. Maturity Benefit: You will receive the Fund Value at maturity.2. Death Benefit: In case of the unfortunate demise of the primary life insured during the

policy term, the beneficiary will receive the Basic Sum Assured. The policy will

continue as long as the secondary life insured is alive.

Prior to the Guaranteed Savings Date:



o In case of the unfortunate demise of the primary life insured (grand / parent),

we will pay the Basic Sum Assured plus Enhanced Sum Assured, if any and

all future Basic Premiums, in monthly installments starting from the next policy month

o In case of the unfortunate demise of the secondary life insured (child), we will

terminate the policy on the Guaranteed Savings Date and pay the Fund Valueas on that date

o In case of the last unfortunate demise of either the primary or secondary life

insured, we will terminate the policy and pay the Fund Value plus thecommuted value of all future Basic Premiums that are being paid by us

Starting from the Guaranteed Savings Date:

o In case of the unfortunate demise of the primary life insured (child), we will

pay the Basic Sum Assured

o In case of the last unfortunate demise of the primary or secondary life insured,we will terminate the policy and pay the Fund Value

3. Enhanced Sum Assured: Based on your needs you can increase the life cover over

and above the Basic Sum Assured by opting for the Enhanced Sum Assured at

inception. You can choose any amount of Enhanced Sum Assured, subject to a

minimum of Rs. 50,000 and not exceeding Basic Sum Assured.4. Joint Life Benefit: This is a joint life insurance policy where the grand / parent is the

primary life insured and the child is the secondary life insured. On the Guaranteed

Savings Date, the child becomes the primary life insured and the grand / parent becomes the secondary life insured.

5. Surrender Benefit: In case of emergency fund requirements, you can surrender your

policy after the completion of five policy years, and receive the Fund Value at thattime.

6. Guaranteed Additions: Your policy enjoys a boost in the form of additional units. For

more details on the guaranteed additions, please contact your financial advisors or

refer to our brochure.7. Partial Withdrawals: You can make unlimited partial withdrawals to meet any

financial emergencies any time after (a) five complete policy years or (b) secondary

life insured attaining the age of 18, whichever is later.

8. Policy Loans: You can also avail loans on your policy.

Choose from our Rider options to increase the financial security of your loved ones

Critical Illness Rider: On diagnosis of any of the four illnesses - Heart Attack, Cancer,

Major Organ Transplant and Stroke, you will receive upto 100% of the Rider Sum Assured.Accidental Death and Disability Rider: In the event of death due to an accident, your

nominee will receive the chosen Rider Sum Assured up to a maximum of Rs.50,00,000. In

the event of disability due to an accident you will receive a fixed percentage of the Rider Sum Assured, depending on the type of injury. Hospital Care Rider: In the event that you

are hospitalised for treatment, you will receive Daily Cash Benefit to take care of your



expenses. In case you are treated in an Intensive Care Unit you will receive an Enhanced

Daily Cash Benefit. To help you cover your recuperation expenses, you will be paid a lump

sum amount, in case you are hospitalised for more than seven days for the same disease.

Surgical Care Rider: In case you are hospitalised to undergo a surgery you will be paid a

lump sum amount to cover your expenses. For more details on any of the riders mentioned

above, please consult your BSLI financial advisor or refer to the rider brochure.Entry Age - Grand/Parent-

Child

18 - 65 years, provided age on Guaranteed Savings

Date is 75 or less

30 days - 17 years

Guaranteed Savings Date Child's age 18 - 27, subject to minimum of 10 policy years

Policy Term Guaranteed Savings Date + 20 years

Basic Premium Minimum Rs. 12,000 p.a. if paid annually

Minimum Rs. 15,000 p.a. if paid semi-annually

Minimum Rs. 20,000 p.a. if paid quarterlyMinimum Rs. 24,000 p.a. if paid monthly

Pay Term Years to Guaranteed Savings Date

Enhanced Sum Assured Minimum Rs. 50,000

Not exceeding Basic Sum Assured

Insurance Dictionary Premium: The periodic payments made to acquire the insurance and

maturity benefits Policy Term: Total benefit tenure of the policy Policy Surrender:

Voluntary closure of policy before completion of policy term Maturity Benefit: The final

amount which the customer receives at the end of policy term Rider: Additional protection

for an extra premium on the base policy

BSLI Bachat (Child) Plan

Like any responsible and loving parent, you want only the best for your child. While you

save regularly to provide the best of education, shouldn't you also be able secure your child's

bright future from any unforeseen circumstance? Presenting BSLI Bachat (Child) Plan - a plan that secures your child's future even in the event of an untimely demise of the life

insured. BSLI Bachat (Child) Plan - A step-by-step savings plan The BSLI Bachat (Child)

Plan secures your child's future by helping you build funds through regular savings. In theevent of an untimely demise of the life insured, BSLI will pay all remaining premiums sothat your policy continues. Also, your savings will continue to grow through the term of the

policy.

• Grow your regular savings

• Policy continuance

• Safety and liquidity

• Tax savings



How BSLI Bachat (Child) Plan secures your child's future vis-à-vis other investment

avenues: It is very important to choose an investment option suited to your requirements.

At BSLI, we understand that it could be difficult for you to pick out an investment avenuethat's optimum for you. Here's presenting a simple comparison and evaluation for your

convenience.

Safety Small Savings Liquidity Life CoverBank Fixed Deposits Yes Yes Yes No

Public Provident Fund Yes Yes No No

Post Office Time Deposits Yes Yes No No

National Savings Certificates Yes Yes No No

BSLI Bachat (Child) Plan Yes Yes Yes Yes

BSLI Bachat (Child) Plan is a regular savings plan that helps you secure your child's future

under all circumstances How BSLI Bachat (Child) Plan works: For Bachat Child Plan,

the Bachat Addition Rate is used to determine the Bachat Addition a client will earn duringthe upcoming year.

Band I II III

For policies with MBP (in Rs.) 400 to 599 600 to 899 900 +

Bachat Addition Rate

(as of April 1,2011)5.00% 5.25% 5.50%

In addition, you pay a Policy Continuation Premium to ensure continuation of the policy

till maturity in case of death of the life insured during the policy term. Policy ContinuationPremium (fixed additional premium)

Entry Age 13 to 40 41 to 50

Sum Assured 180 x MBP 120 x MBPOnce you have chosen your premium amount, you receive a series of benefits as follows:

1. You will get a life cover for the financial security of your family.

2. You stand to receive premium rebates for choosing annual and semi-annual mode of

payment. You get a rebate of 4% if you chooseto pay annually, and 2% for semi-annually.

3. Your policy continues till maturity, as you planned to secure your child's future in

case of an untimely demise.4. On maturity, you will receive a lump sum which you can use to fulfill your child's

dreams and goals.

5. You have the advantage of liquidity on your savings to access your money any time

you need it after three policy years.6. You have the option of double life cover in case of accidental death, for a nominal

additional premium, to ensure enhanced financial

security of your family

What are the benefits of BSLI Bachat (Child) Plan? Maturity Benefit - On maturity

after 20 years, you will receive

• All Monthly Base Premiums paid; plus

• All Bachat Additions earned; plus

• The Loyalty Addition; less



Death Benefit - In the unfortunate event of death of the life insured, the nominee shall

receive

• Sum Assured will be paid to the nominee immediately;

• Future premiums will be waived and the policy continues until maturity. On maturity,

your child will be entitled to maturity benefits. This ensures that even in your absenceyour child's future is assured;

• All Bachat Additions and Loyalty Addition will continue as if all MBPs are paidwhen due.

Surrender Benefit -Once 36 MBPs have been paid, you may surrender your policy and

receive

• All Monthly Base Premiums paid from the 2nd year onwards x the surrender factor below; plus

• After the 10th policy year, all Bachat Additions earned; plus

•

After the 15th policy year, the Loyalty Addition earned

The surrender factor is 100% after completing 10 policy years, otherwise it is

Policy Year of

Surrender3 4 5 6 7 8 9 10+

Surrender Factor 30% 40% 50% 60% 70% 80% 90% 100%Accidental Death Benefit - Optional Rider for Entry Ages 18 to 50 For an extra 1.2% of

MBP additional Sum Assured is paid in case of accidental death.

• Extra 180 x MBP payable in case death is accidental for entry ages 18 to 40.

• Extra 120 x MBP payable in case death is accidental for entry ages 41 to 50.

Policy Base Premium Bachat Addition Loyalty

Total

Addition Surrender Benefit

Year Annual Paid Earned Payable Addition payable onSurrender

Gtd Total

[a] [b] [c] [d] [e] [f] [g] [h]

1 6,000 6,000 300 --- --- --- --- ---

2 6,000 12,000 600 --- --- --- --- ---

3 6,000 18,000 900 --- --- --- 3,600 3,600

4 6,000 24,000 1,200 --- --- --- 7,200 7,200

5 6,000 30,000 1,500 --- --- --- 12,000 12,000

6 6,000 36,000 1,800 --- --- --- 18,000 18,000

7 6,000 42,000 2,100 --- --- --- 25,200 25,200

8 6,000 48,000 2,400 --- --- --- 33,600 33,600

9 6,000 54,000 2,700 --- --- --- 43,200 43,200

10 6,000 60,000 3,000 16,500 -- 16,500 54,000 70,500

11 6,000 66,000 3,300 19,800 --- 19,800 60,000 79,800

12 6,000 72,000 3,600 23,400 --- 23,400 66,000 89,400



13 6,000 78,000 3,900 27,300 --- 27,300 72,000 99,300

14 6,000 84,000 4,200 31,500 --- 31,500 78,000 109,500

15 6,000 90,000 4,500 36,000 10,800 46,800 84,000 130,800

16 6,000 96,000 4,800 40,800 13,872 54,672 90,000 144,672

17 6,000 102,000 5,100 45,900 17,557 63,457 96,000 159,457

18 6,000 108,000 5,400 51,300 21,931 73,231 102,000 175,231

19 6,000 114,000 5,700 57,000 27,075 84,075 108,000 192,075

20 6,000 120,000 6,000 63,000 33,075 96,075 120,000 216,075

Notes : [a] = MBP x 12.

[b] = MBP's paid to date or sum of [a] to date.

[c] = [b] x Bachat Addition Rate of 5.00%.[d] = After 10 years, sum of

[c] to date.

[e] = After 15 years, [d] x ratio of [d] over 240 x MBP.[f] = [d] + [e].

[g] = Surrender Factor x [b] less MBP's paid in first year. 100% x [b] in 20th policy year.

[h] = [g] + [f] Plan Summary

Entry Age - Grand / Parent - Child 18 - 50 years - 30 days to 17 years

Policy Term 20 years

Premium Pay Term 20 years

Monthly Base Premium Rs. 400 - Rs. 3,000Sum Assured Up to 180 times Monthly Base Premium

Premium Payment Frequency Annual, Semi-annual, Quarterly and Monthly

Entry Age 13 to 40 41 to 50

Sum Assured 180 x MBP 120 x MBP

With BSLI Bachat (Child) Plan, by saving as little as Rs. 400 per month. you can build

a corpus through regular systematic savings and secure your child's future under all

circumstances Surrender Benefit details: Assuming that premiums are paid annually,

and earn 4% rebate, here are the surrender benefits under different premium bands.

Band I II III

MBP Range (in Rs.) 400 to 599 600 to 899 900 +

Bachat Addition Rate 5.00% 5.25% 5.50%

MBP chosen by you 500 750 1,000

MBP x 12 6,000 9,000 12,000

Surrender Benefit

After 10 years 70,500 106,988 144,300After 15 years 130,800 200,561 273,336

After 20 years 216,075 333,923 458,642

Entry Age (years) 18-40 41-50 18-40 41-50 18-40 41-50

Annual Premium paid by you 5,990 6,336 8986 9,504 11,981 12,672

Surrender Benefit / Total Premiums Paid

After 10 years 118% 111% 119% 113% 120% 114%

After 15 years 146% 138% 149% 141% 152% 144%



After 20 years 180% 171% 186% 176% 191% 181%

Equivalent Bachat Addition Rate

After 10 years 3.22% 2.05% 3.47% 2.29% 3.72% 2.52%

After 15 years 5.70% 4.70% 6.10% 5.09% 6.51% 5.48%

After 20 years 7.65% 6.72% 8.17% 7.21% 8.71% 7.71%

Health & Wellness Solutions

With medical costs increasing considerably, most of us find ourselves unprepared for sudden medical emergencies that tend to throw our finances out of gear.

Birla Sun Life Insurance Health & Wellness Solutions ensure that you never lack the funds togo in for quality treatment in case of medical emergencies. Our plans help you insure

yourself and your family for an adequate sum, against major illnesses and injuries. You evenhave a choice of plans that offer the cashless facility.

BSLI Saral Health Plan

Unforeseen medical expenses can leave a serious dent in your savings. While you realise

the need for a plan that covers you for medical expenses, you have always found the process

of buying one cumbersome and lengthy. Presenting BSLI Saral Health Plan, a unit-linkedhealth insurance plan that offers comprehensive cover for all medical expenses and that too

without you having to undergo any medical tests.

BSLI Health Plan

Presenting Birla Sun Life Insurance Health Plan Being able to provide the best medical care

is of great importance to all of us. Illnesses can strike at any time and paying for medical and

hospitalization care from your savings can put a strain on your finances and can become a

major source of worry. BSLI's Health Plan allows you to spend time cheering up your lovedones and not worry about paying for the best care.

BLSI Health Plan is a 3 years Plan which guarantees you a health cover now and in the future

also.

BSLI Universal Health Plan

Presenting the Birla Sun Life Insurance Universal Health Plan Over the years health carecosts have been steadily increasing in India. Providing for the best medical care and

hospitalization is proving to be increasingly expensive, especially when you have to dip into

your long-term savings to pay for hospital bills.



The BSLI Universal Health Plan is a health insurance plan, which enables you to provide

your entire family with the best medical care without putting a strain on your long-term

savings.

It comes with a guaranteed health insurance cover of 3 years for your entire family.

The BSLI Universal Health Plan covers your family's hospital related expenses and also out-

of-pocket health expenses such as over-thecounter medicines, gym, yoga, dental and similar

expenses.

Retirement Solutions

During retirement, income stops but the expenses don’t. With inflation increasing the cost

of basic essentials, your savings today might not suffice meeting the cost of necessities

throughout the retired life. It is therefore important to start saving early and in a planned

manner for a comfortable, stress-free retired life. What is also important is to determine your goal for the retirement corpus basis your projected needs during retired life.

Birla Sun Life Insurance Retirement Solutions ensure that you enjoy a secure and happy

retired life.

Our retirement plans that help you build a corpus that lasts throughout your retired life. So,whether you wish to retire early and start your own business or lead a leisurely retired life,

you can be sure of the funds that make it the best years of your life.

BSLI Classic Life PlanWhile you work hard towards achieving your ambitions, you also wish to save for a

comfortable retirement. And you want a plan that gives you the flexibility to manage your

savings. Presenting the BSLI Classic Life Plan - a plan that gives you complete control over your investments by directing your premiums to our range of 10 Investment Funds along

with a range of rider options to give your family the security of financial protection.

BSLI Dream Life Plan

You work hard to provide your family the best of everything, along with saving for your retirement years. You wish for a plan that lets you live your golden years with the same

comfort and lifestyle, without any compromises. Presenting the BSLI Dream Life Plan - a

plan that suits your needs and gives you the freedom to live life confidently.

BSLI Immediate Income Plan

Through your working years you work hard and save money to ensure that you can lead a

comfortable life when you retire. When you retire, your regular source of income stops, your



expenses don’t. With increasing life expectancy and rising medical costs, the need to have an

alternate income after retirement has become very important.

On retiring you would receive a lump sum amount from your employers like the Employee

Provident Fund or other forms of savings that you have been doing. You require a financial

planning tool that can allow you to club your other savings and these lump sum payoutswhich you can convert into a regular income plan.

Presenting the BSLI Immediate Income Plan that puts your savings into an annuity to giveyou a regular income in your retirement years.

Our Wealth with Protection Solutions To help you create long term wealth & protect your

family.Our Health & Wellness Solutions To cover you & your family's current & future health need.

Our Retirement Solutions To financially secure a happy retired life.

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