Protects your family's future

through regular savings

Call Toll-free: 1-800-270-7000 www.birlasunlife.com sms BACHAT to 56161

Birla Sun Life Insurance
Regd. Office: One Indiabulls Centre, Tower 1, 15th & 16th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg,
Elphinstone Road, Mumbai 400 013. Reg. No. 109 Unique No.: 109N056V01 ADV / 04 / 09-10 / 3936 VER1 / APR / 2010 Bachat (Endowment) Plan

12 1
You have aspirations and dreams for your family and would like to ensure that you are able to Premium Payment Frequency Monthly Quarterly Semi-Annually Annually
provide for them. For this, you would like an avenue to save your hard earned money regularly so
Premium Rebate — — 2% 4%
that it grows to fulfil your dreams.
Premium payable by you 1 x MBP 3 x MBP 5.88 x MBP 11.52 x MBP
Introducing BSLI Bachat (Endowment) Plan, a traditional non-participating endowment plan that
Please note:
helps you build a corpus through regular systematic savings and get your savings augmented through
• Your actual premium payable will be higher than your Monthly Base Premium by any applicable rider premium, underwriting
additions every year and at maturity. With BSLI Bachat (Endowment) Plan, you can now start
extras, service tax, education cess and any other applicable taxes and levies as per the extant tax laws.
ensuring and protecting your family's dreams and aspirations by saving as little as Rs. 400 per month. • For premiums paid quarterly or monthly, you will have to choose either ECS or salary deduction as a method of payment.
Also, we will require 2 monthly premiums at inception in case of monthly payments.
THE SALIENT BENEFITS IN THIS PLAN ARE
EARN ANNUAL BACHAT ADDITIONS and A LOYALTY ADDITION
• You choose your Monthly Base Premium based on your needs and as little as Rs. 400
• You are insured for up to 180 x the Monthly Base Premium 1. Bachat Addition
• You get your Monthly Base Premiums back after 20 years – guaranteed – plus We reward you with a Bachat Addition at the end of every policy year.

After 20 Years Band I Band II Band III A Bachat Addition Rate is declared by us annually on the first of April each year and this Bachat
Bachat Addition 5.00% 5.25% 5.50% Addition Rate will be used to determine the Bachat Addition you will earn during the upcoming
year. The Bachat Addition Rate as of April 1, 2010 is -
With Loyalty Addition 8.34% 8.88% 9.43%
Based on current non-guaranteed Bachat Addition Rate and premiums paid annually for 20 years Band I II III
• You can double your Sum Assured in case of accidental death for a nominal additional premium For policies with MBP (in Rs.) 400 to 599 600 to 899 900 +
of 1.2% x the Monthly Base Premium Bachat Addition Rate 5.00% 5.25% 5.50%

This plan is meant for you if: The Bachat Addition you will earn every year is determined as follows:
You plan to pay and stay invested for 10 years or more.
• Bachat Addition = Sum of all MBP's paid to date x Bachat Addition Rate
Age at Entry 30 days - 60 years
Bachat Additions earned to date will be paid when your policy matures or in case the life insured
Policy Term 20 years dies prior to maturity. In case of surrender, Bachat Additions will be paid only if the policy is
Premium Pay Term 20 years surrendered after the completion of 10 years.
Monthly Base Premium Rs. 400 - Rs. 5,000
2. Loyalty Addition
Sum Assured Up to 180 times Monthly Base Premium
Premium Payment Frequency Annual, Semi-annual , Quarterly and Monthly We also reward you for your loyalty with a Loyalty Addition increasing every year. The Loyalty
Addition will be determined as follows:
CHOOSING YOUR MONTHLY BASE PREMIUM • Loyalty Addition = Sum of all Bachat Additions earned to date x
Sum of all Bachat Additions earned to date / (240 x MBP)
In this plan, you start by choosing the Monthly Base Premium or MBP.
The Loyalty Addition will be paid when your policy matures or in case the life insured dies prior to
You can choose to pay your premiums either Monthly, Quarterly, Semi-Annually or Annually. You
maturity. In case of surrender, the Loyalty Addition will be paid only if the policy is surrendered
stand to benefit from a premium rebate if you choose to pay your premiums Semi-Annually or
after the completion of 15 years.
Annually as illustrated below.

2 3
You have aspirations and dreams for your family and would like to ensure that you are able to Premium Payment Frequency Monthly Quarterly Semi-Annually Annually
provide for them. For this, you would like an avenue to save your hard earned money regularly so
Premium Rebate — — 2% 4%
that it grows to fulfil your dreams.
Premium payable by you 1 x MBP 3 x MBP 5.88 x MBP 11.52 x MBP
Introducing BSLI Bachat (Endowment) Plan, a traditional non-participating endowment plan that
Please note:
helps you build a corpus through regular systematic savings and get your savings augmented through
• Your actual premium payable will be higher than your Monthly Base Premium by any applicable rider premium, underwriting
additions every year and at maturity. With BSLI Bachat (Endowment) Plan, you can now start
extras, service tax, education cess and any other applicable taxes and levies as per the extant tax laws.
ensuring and protecting your family's dreams and aspirations by saving as little as Rs. 400 per month. • For premiums paid quarterly or monthly, you will have to choose either ECS or salary deduction as a method of payment.
Also, we will require 2 monthly premiums at inception in case of monthly payments.
THE SALIENT BENEFITS IN THIS PLAN ARE
EARN ANNUAL BACHAT ADDITIONS and A LOYALTY ADDITION
• You choose your Monthly Base Premium based on your needs and as little as Rs. 400
• You are insured for up to 180 x the Monthly Base Premium 1. Bachat Addition
• You get your Monthly Base Premiums back after 20 years – guaranteed – plus We reward you with a Bachat Addition at the end of every policy year.

After 20 Years Band I Band II Band III A Bachat Addition Rate is declared by us annually on the first of April each year and this Bachat
Bachat Addition 5.00% 5.25% 5.50% Addition Rate will be used to determine the Bachat Addition you will earn during the upcoming
year. The Bachat Addition Rate as of April 1, 2010 is -
With Loyalty Addition 8.34% 8.88% 9.43%
Based on current non-guaranteed Bachat Addition Rate and premiums paid annually for 20 years Band I II III
• You can double your Sum Assured in case of accidental death for a nominal additional premium For policies with MBP (in Rs.) 400 to 599 600 to 899 900 +
of 1.2% x the Monthly Base Premium Bachat Addition Rate 5.00% 5.25% 5.50%

This plan is meant for you if: The Bachat Addition you will earn every year is determined as follows:
You plan to pay and stay invested for 10 years or more.
• Bachat Addition = Sum of all MBP's paid to date x Bachat Addition Rate
Age at Entry 30 days - 60 years
Bachat Additions earned to date will be paid when your policy matures or in case the life insured
Policy Term 20 years dies prior to maturity. In case of surrender, Bachat Additions will be paid only if the policy is
Premium Pay Term 20 years surrendered after the completion of 10 years.
Monthly Base Premium Rs. 400 - Rs. 5,000
2. Loyalty Addition
Sum Assured Up to 180 times Monthly Base Premium
Premium Payment Frequency Annual, Semi-annual , Quarterly and Monthly We also reward you for your loyalty with a Loyalty Addition increasing every year. The Loyalty
Addition will be determined as follows:
CHOOSING YOUR MONTHLY BASE PREMIUM • Loyalty Addition = Sum of all Bachat Additions earned to date x
Sum of all Bachat Additions earned to date / (240 x MBP)
In this plan, you start by choosing the Monthly Base Premium or MBP.
The Loyalty Addition will be paid when your policy matures or in case the life insured dies prior to
You can choose to pay your premiums either Monthly, Quarterly, Semi-Annually or Annually. You
maturity. In case of surrender, the Loyalty Addition will be paid only if the policy is surrendered
stand to benefit from a premium rebate if you choose to pay your premiums Semi-Annually or
after the completion of 15 years.
Annually as illustrated below.

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 The Sum Assured depends on the Entry Age as follows:
Entry Age 0 to 40 41 to 50 51 to 60
Sum Assured 180 x MBP 120 x MBP 60 x MBP

3. Accidental Death Benefit Rider

You have an option to increase the Sum Assured in case the life insured dies accidentally.

Age at Entry 18 - 50 years

Rider Term 20 years
Rider Premium 1.2% x Monthly Base Premium
Rider Sum Assured 180 x MBP for Entry Age 18 to 40
120 x MBP for Entry Age 41 to 50

4. 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

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

Policy Year of Surrender 3 4 5 6 7 8 9 10+

Surrender Factor 30% 40% 50% 60% 70% 80% 90% 100%

YOUR KEY BENEFITS ILLUSTRATION of BENEFITS

1. Maturity Benefit The table below illustrates the benefits of the BSLI Bachat (Endowment) Plan. This has been
illustrated assuming premiums are paid annually, and factoring the 4% premium rebate.
On maturity after 20 years, you will receive
To understand the Surrender Benefits, you may evaluate them as a percentage of the premiums
• All Monthly Base Premiums paid; plus
paid. The illustration shows that the Surrender Benefits are 122%, 151% and 188% of premiums
• All Bachat Additions earned; plus
after 10, 15 and 20 years, respectively for Band I.
• The Loyalty Addition
Alternatively, you may determine an 'equivalent' Bachat Addition Rate thereby combining the
2. Death Benefit effect of the Bachat Addition and Loyalty Addition. For Band I, the combined effect of the
Bachat Addition and Loyalty Addition amounts to a Surrender Benefit of Rs. 216,075 after 20 years
In the unfortunate event of death of the life insured, the nominee shall receive
and this is the same as applying an 8.34% 'equivalent' Bachat Addition Rate on the premiums
• All Monthly Base Premiums paid (or Sum Assured if higher); plus paid to date in each of the 20 years. Using this method, the Surrender Benefits correspond to an
• All Bachat Additions earned; plus 'equivalent' Bachat Addition Rate of 4.07%, 6.42% and 8.34% after 10, 15, 20 years, respectively.
• The Loyalty Addition

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 The Sum Assured depends on the Entry Age as follows:
Entry Age 0 to 40 41 to 50 51 to 60
Sum Assured 180 x MBP 120 x MBP 60 x MBP

3. Accidental Death Benefit Rider

You have an option to increase the Sum Assured in case the life insured dies accidentally.

Age at Entry 18 - 50 years

Rider Term 20 years
Rider Premium 1.2% x Monthly Base Premium
Rider Sum Assured 180 x MBP for Entry Age 18 to 40
120 x MBP for Entry Age 41 to 50

4. 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

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

Policy Year of Surrender 3 4 5 6 7 8 9 10+

Surrender Factor 30% 40% 50% 60% 70% 80% 90% 100%

YOUR KEY BENEFITS ILLUSTRATION of BENEFITS

1. Maturity Benefit The table below illustrates the benefits of the BSLI Bachat (Endowment) Plan. This has been
illustrated assuming premiums are paid annually, and factoring the 4% premium rebate.
On maturity after 20 years, you will receive
To understand the Surrender Benefits, you may evaluate them as a percentage of the premiums
• All Monthly Base Premiums paid; plus
paid. The illustration shows that the Surrender Benefits are 122%, 151% and 188% of premiums
• All Bachat Additions earned; plus
after 10, 15 and 20 years, respectively for Band I.
• The Loyalty Addition
Alternatively, you may determine an 'equivalent' Bachat Addition Rate thereby combining the
2. Death Benefit effect of the Bachat Addition and Loyalty Addition. For Band I, the combined effect of the
Bachat Addition and Loyalty Addition amounts to a Surrender Benefit of Rs. 216,075 after 20 years
In the unfortunate event of death of the life insured, the nominee shall receive
and this is the same as applying an 8.34% 'equivalent' Bachat Addition Rate on the premiums
• All Monthly Base Premiums paid (or Sum Assured if higher); plus paid to date in each of the 20 years. Using this method, the Surrender Benefits correspond to an
• All Bachat Additions earned; plus 'equivalent' Bachat Addition Rate of 4.07%, 6.42% and 8.34% after 10, 15, 20 years, respectively.
• The Loyalty Addition

4 5
Band I II III DETAILED ILLUSTRATION OF BACHAT ADDITION and LOYALTY ADDITION
MBP Range (in Rs.) 400 to 599 600 to 899 900 + Monthly Base Premium Rs. 500
Bachat Addition Rate 5.00% 5.25% 5.50% Bachat Addition Rate at 5.00%
MBP chosen by you 500 750 1,000
MBP x 12 6,000 9,000 12,000 Policy Base Premium Bachat Addition Loyalty Addition Total Addition Payable on
Year Annual Paid Earned Payable Rate Payable Death Surrender
Annual Premium paid by you 5,760 8,640 11,520
[a] [b] [c] [d] [e] [f] [g] [h]
Surrender Benefit
After 10 years 70,500 106,988 144,300 1 6,000 6,000 300 300 0.25% 1 301 ---
After 15 years 130,800 200,561 273,336 2 6,000 12,000 600 900 0.75% 7 907 ---
After 20 years 216,075 333,923 458,642
3 6,000 18,000 900 1,800 1.50% 27 1,827 ---
Surrender Benefit / Total Premiums Paid
4 6,000 24,000 1,200 3,000 2.50% 75 3,075 ---
After 10 years 122% 124% 125%
After 15 years 151% 155% 158% 5 6,000 30,000 1,500 4,500 3.75% 169 4,669 ---
After 20 years 188% 193% 199% 6 6,000 36,000 1,800 6,300 5.25% 331 6,631 ---

Equivalent Bachat Addition Rate 7 6,000 42,000 2,100 8,400 7.00% 588 8,988 ---
After 10 years 4.07% 4.33% 4.59% 8 6,000 48,000 2,400 10,800 9.00% 972 11,772 ---
After 15 years 6.42% 6.84% 7.27% 9 6,000 54,000 2,700 13,500 11.25% 1,519 15,019 ---
After 20 years 8.34% 8.88% 9.43%
10 6,000 60,000 3,000 16,500 13.75% 2,269 18,769 16,500

11 6,000 66,000 3,300 19,800 16.50% 3,267 23,067 19,800

12 6,000 72,000 3,600 23,400 19.50% 4,563 27,963 23,400
13 6,000 78,000 3,900 27,300 22.75% 6,211 33,511 27,300
14 6,000 84,000 4,200 31,500 26.25% 8,269 39,769 31,500

15 6,000 90,000 4,500 36,000 30.00% 10,800 46,800 46,800

16 6,000 96,000 4,800 40,800 34.00% 13,872 54,672 54,672

17 6,000 102,000 5,100 45,900 38.25% 17,557 63,457 63,457
18 6,000 108,000 5,400 51,300 42.75% 21,931 73,231 73,231
19 6,000 114,000 5,700 57,000 47.50% 27,075 84,075 84,075

20 6,000 120,000 6,000 63,000 52.50% 33,075 96,075 96,075

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] = Bachat Additions earned to date or sum of [c] to date
[e] = Ratio of Bachat Additions earned to date [d] over 240 x MBP
[f] = [d] x [e]
[g] = [d] + [f]
[h] = [d] after 10 years + [f] after 15 years

6 7
Band I II III DETAILED ILLUSTRATION OF BACHAT ADDITION and LOYALTY ADDITION
MBP Range (in Rs.) 400 to 599 600 to 899 900 + Monthly Base Premium Rs. 500
Bachat Addition Rate 5.00% 5.25% 5.50% Bachat Addition Rate at 5.00%
MBP chosen by you 500 750 1,000
MBP x 12 6,000 9,000 12,000 Policy Base Premium Bachat Addition Loyalty Addition Total Addition Payable on
Year Annual Paid Earned Payable Rate Payable Death Surrender
Annual Premium paid by you 5,760 8,640 11,520
[a] [b] [c] [d] [e] [f] [g] [h]
Surrender Benefit
After 10 years 70,500 106,988 144,300 1 6,000 6,000 300 300 0.25% 1 301 ---
After 15 years 130,800 200,561 273,336 2 6,000 12,000 600 900 0.75% 7 907 ---
After 20 years 216,075 333,923 458,642
3 6,000 18,000 900 1,800 1.50% 27 1,827 ---
Surrender Benefit / Total Premiums Paid
4 6,000 24,000 1,200 3,000 2.50% 75 3,075 ---
After 10 years 122% 124% 125%
After 15 years 151% 155% 158% 5 6,000 30,000 1,500 4,500 3.75% 169 4,669 ---
After 20 years 188% 193% 199% 6 6,000 36,000 1,800 6,300 5.25% 331 6,631 ---

Equivalent Bachat Addition Rate 7 6,000 42,000 2,100 8,400 7.00% 588 8,988 ---
After 10 years 4.07% 4.33% 4.59% 8 6,000 48,000 2,400 10,800 9.00% 972 11,772 ---
After 15 years 6.42% 6.84% 7.27% 9 6,000 54,000 2,700 13,500 11.25% 1,519 15,019 ---
After 20 years 8.34% 8.88% 9.43%
10 6,000 60,000 3,000 16,500 13.75% 2,269 18,769 16,500

11 6,000 66,000 3,300 19,800 16.50% 3,267 23,067 19,800

12 6,000 72,000 3,600 23,400 19.50% 4,563 27,963 23,400
13 6,000 78,000 3,900 27,300 22.75% 6,211 33,511 27,300
14 6,000 84,000 4,200 31,500 26.25% 8,269 39,769 31,500

15 6,000 90,000 4,500 36,000 30.00% 10,800 46,800 46,800

16 6,000 96,000 4,800 40,800 34.00% 13,872 54,672 54,672

17 6,000 102,000 5,100 45,900 38.25% 17,557 63,457 63,457
18 6,000 108,000 5,400 51,300 42.75% 21,931 73,231 73,231
19 6,000 114,000 5,700 57,000 47.50% 27,075 84,075 84,075

20 6,000 120,000 6,000 63,000 52.50% 33,075 96,075 96,075

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] = Bachat Additions earned to date or sum of [c] to date
[e] = Ratio of Bachat Additions earned to date [d] over 240 x MBP
[f] = [d] x [e]
[g] = [d] + [f]
[h] = [d] after 10 years + [f] after 15 years

6 7
DETAILED ILLUSTRATION of POLICY BENEFITS OTHER BENEFITS
Monthly Base Premium Rs. 500 1. Tax Benefits – You will be eligible for tax benefits under Section 80C and Section 10(10D) of the
Bachat Addition Rate at 5.00% Income Tax Act, 1961. Currently,
• Under Section 80C, premiums up to Rs. 1,00,000 are allowed as a deduction from your
All Entry Ages Entry Age 0 to 40 Entry Age 41 to 50 Entry Age 51 to 60
taxable income, each year
Policy Surrender Benefit Death Benefit Death Benefit Death Benefit • Under Section 10 (10D), the benefits you receive from this plan are exempt from tax, subject
Year Gtd Total Gtd Total Gtd Total Gtd Total to mentioned exclusions
[i] [j] [k] [l] [k] [l] [k] [l] 2. Policy Loans – Starting from the 3rd policy year you can get a loan on your policy. The minimum
1 --- --- 90,000 90,301 60,000 60,301 30,000 30,301 loan amount is Rs. 5,000 and the maximum loan amount is 90% of the Surrender Benefit. The
2 --- --- 90,000 90,907 60,000 60,907 30,000 30,907 interest we charge on such loans will be fixed by us from time to time.
3 3,600 3,600 90,000 91,827 60,000 61,827 30,000 31,827 3. Grace Period and Revival – If you are unable to pay your premium by the due date, you will be
4 7,200 7,200 90,000 93,075 60,000 63,075 30,000 33,075 given a grace period of 30 days and during this grace period all coverage under your policy will
5 12,000 12,000 90,000 94,669 60,000 64,669 30,000 34,669 continue. If you do not pay your premium within the grace period, the following will be applicable:
6 18,000 18,000 90,000 96,631 60,000 66,631 36,000 42,631 a) In case your policy has not acquired a surrender benefit, then all benefits under your policy
7 25,200 25,200 90,000 98,988 60,000 68,988 42,000 50,988 will cease immediately.
8 33,600 33,600 90,000 101,772 60,000 71,772 48,000 59,772 b) In case your policy has acquired a surrender benefit, then your policy will be continued on a
9 43,200 43,200 90,000 105,019 60,000 75,019 54,000 69,019 paid-up basis.
10 54,000 70,500 90,000 108,769 60,000 78,769 60,000 78,769 You can reinstate your policy for its full coverage within two-years from the due date of the first
11 60,000 79,800 90,000 113,067 66,000 89,067 66,000 89,067
unpaid premium by paying all outstanding premiums together with interest as declared by us
from time to time and by providing evidence of insurability satisfactory to us.
12 66,000 89,400 90,000 117,963 72,000 99,963 72,000 99,963
13 72,000 99,300 90,000 123,511 78,000 111,511 78,000 111,511 4. Free-look period – You will have the right to return your policy to us within 15 days from the date
14 78,000 109,500 90,000 129,769 84,000 123,769 84,000 123,769 of receipt of the policy. We will refund all premiums paid till date once we receive your written
15 84,000 130,800 90,000 136,800 90,000 136,800 90,000 136,800
notice of cancellation (along with reasons thereof) together with the original policy documents.
Depending on our then current administration rules, we may reduce the amount of the refund
16 90,000 144,672 96,000 150,672 96,000 150,672 96,000 150,672 by expenditures incurred by us in issuing your policy and as permitted by the IRDA and in
17 96,000 159,457 102,000 165,457 102,000 165,457 102,000 165,457 accordance to IRDA (Protection of Policyholders Interest) Regulations, 2002.
18 102,000 175,231 108,000 181,231 108,000 181,231 108,000 181,231
19 108,000 192,075 114,000 198,075 114,000 198,075 114,000 198,075 TERMS AND CONDITIONS
20 120,000 216,075 120,000 216,075 120,000 216,075 120,000 216,075 Refund of Premiums upon Death
Notes: [i] = Surrender Factor x [b] less MBP's paid in first year. 100% x [b] after 20 years We will refund only the premiums paid to date, excluding rider premium, if any in the event the life
[j] = [i] + [h] insured dies by suicide, whether medically sane or insane, within one year after the issue or
[k] = [b] or 180 x MBP for entry ages 0 to 40 reinstatement date, whichever is later.
= [b] or 120 x MBP for entry ages 41 to 50
We will refund only the premiums paid to date in the event the life insured dies before the policy
= [b] or 60 x MBP for entry ages 51 to 60
[l] = [k] + [g]
anniversary coinciding with or immediately following the 5th birthday of the life insured.

Guaranteed Minimum Bachat Addition Rate

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
We guarantee that the Bachat Addition Rate declared by us will be no less than 4.50%; plus 75% of
any excess of the Benchmark Rate over 7.00%; less 80% of any excess of 7.00% over the
Benchmark Rate; all rounded down to the nearest 0.25%. For Band II and Band III, the resulting
Bachat Addition Rate is increased by 0.25% and 0.50% respectively. The Benchmark Rate is the

8 9
DETAILED ILLUSTRATION of POLICY BENEFITS OTHER BENEFITS
Monthly Base Premium Rs. 500 1. Tax Benefits – You will be eligible for tax benefits under Section 80C and Section 10(10D) of the
Bachat Addition Rate at 5.00% Income Tax Act, 1961. Currently,
• Under Section 80C, premiums up to Rs. 1,00,000 are allowed as a deduction from your
All Entry Ages Entry Age 0 to 40 Entry Age 41 to 50 Entry Age 51 to 60
taxable income, each year
Policy Surrender Benefit Death Benefit Death Benefit Death Benefit • Under Section 10 (10D), the benefits you receive from this plan are exempt from tax, subject
Year Gtd Total Gtd Total Gtd Total Gtd Total to mentioned exclusions
[i] [j] [k] [l] [k] [l] [k] [l] 2. Policy Loans – Starting from the 3rd policy year you can get a loan on your policy. The minimum
1 --- --- 90,000 90,301 60,000 60,301 30,000 30,301 loan amount is Rs. 5,000 and the maximum loan amount is 90% of the Surrender Benefit. The
2 --- --- 90,000 90,907 60,000 60,907 30,000 30,907 interest we charge on such loans will be fixed by us from time to time.
3 3,600 3,600 90,000 91,827 60,000 61,827 30,000 31,827 3. Grace Period and Revival – If you are unable to pay your premium by the due date, you will be
4 7,200 7,200 90,000 93,075 60,000 63,075 30,000 33,075 given a grace period of 30 days and during this grace period all coverage under your policy will
5 12,000 12,000 90,000 94,669 60,000 64,669 30,000 34,669 continue. If you do not pay your premium within the grace period, the following will be applicable:
6 18,000 18,000 90,000 96,631 60,000 66,631 36,000 42,631 a) In case your policy has not acquired a surrender benefit, then all benefits under your policy
7 25,200 25,200 90,000 98,988 60,000 68,988 42,000 50,988 will cease immediately.
8 33,600 33,600 90,000 101,772 60,000 71,772 48,000 59,772 b) In case your policy has acquired a surrender benefit, then your policy will be continued on a
9 43,200 43,200 90,000 105,019 60,000 75,019 54,000 69,019 paid-up basis.
10 54,000 70,500 90,000 108,769 60,000 78,769 60,000 78,769 You can reinstate your policy for its full coverage within two-years from the due date of the first
11 60,000 79,800 90,000 113,067 66,000 89,067 66,000 89,067
unpaid premium by paying all outstanding premiums together with interest as declared by us
from time to time and by providing evidence of insurability satisfactory to us.
12 66,000 89,400 90,000 117,963 72,000 99,963 72,000 99,963
13 72,000 99,300 90,000 123,511 78,000 111,511 78,000 111,511 4. Free-look period – You will have the right to return your policy to us within 15 days from the date
14 78,000 109,500 90,000 129,769 84,000 123,769 84,000 123,769 of receipt of the policy. We will refund all premiums paid till date once we receive your written
15 84,000 130,800 90,000 136,800 90,000 136,800 90,000 136,800
notice of cancellation (along with reasons thereof) together with the original policy documents.
Depending on our then current administration rules, we may reduce the amount of the refund
16 90,000 144,672 96,000 150,672 96,000 150,672 96,000 150,672 by expenditures incurred by us in issuing your policy and as permitted by the IRDA and in
17 96,000 159,457 102,000 165,457 102,000 165,457 102,000 165,457 accordance to IRDA (Protection of Policyholders Interest) Regulations, 2002.
18 102,000 175,231 108,000 181,231 108,000 181,231 108,000 181,231
19 108,000 192,075 114,000 198,075 114,000 198,075 114,000 198,075 TERMS AND CONDITIONS
20 120,000 216,075 120,000 216,075 120,000 216,075 120,000 216,075 Refund of Premiums upon Death
Notes: [i] = Surrender Factor x [b] less MBP's paid in first year. 100% x [b] after 20 years We will refund only the premiums paid to date, excluding rider premium, if any in the event the life
[j] = [i] + [h] insured dies by suicide, whether medically sane or insane, within one year after the issue or
[k] = [b] or 180 x MBP for entry ages 0 to 40 reinstatement date, whichever is later.
= [b] or 120 x MBP for entry ages 41 to 50
We will refund only the premiums paid to date in the event the life insured dies before the policy
= [b] or 60 x MBP for entry ages 51 to 60
[l] = [k] + [g]
anniversary coinciding with or immediately following the 5th birthday of the life insured.

Guaranteed Minimum Bachat Addition Rate

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
We guarantee that the Bachat Addition Rate declared by us will be no less than 4.50%; plus 75% of
any excess of the Benchmark Rate over 7.00%; less 80% of any excess of 7.00% over the
Benchmark Rate; all rounded down to the nearest 0.25%. For Band II and Band III, the resulting
Bachat Addition Rate is increased by 0.25% and 0.50% respectively. The Benchmark Rate is the

8 9

average of the daily 10-year Constant Maturity Treasury (10-Year CMT) yields recorded over the last
3 years. Currently, the source of the 10-Year CMT yield is that published by Bloomberg.
Prohibition of Rebates – Section 41 of the Insurance Act, 1938
No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to
take or renew or continue an insurance in respect of any kind of risk relating to lives or property in
India, any rebate of the whole or part of the commission payable or any rebate of the premium
shown on the policy, nor shall any person taking out or renewing or continuing a policy accept any
rebate, except such rebate as may be allowed in accordance with the published prospectuses or
tables of the insurer.
Non-Disclosure – Section 45 of the Insurance Act, 1938
No policy of life insurance effected after the coming into force of this act shall, after the expiry of two
years from the date on which it was effected be called in question by an insurer on the ground that
statement made in the proposal or in any report of a medical officer, or referee, or friend of the life
insured, or in any other document leading to the issue of the policy, was inaccurate or false, unless
the insurer shows that such statement was on a material matter or suppressed facts which it was
material to disclose and that it was fraudulently made by the policyholder and that the policyholder
knew at the time of making it that the statement was false or that it suppressed facts which it was
material to disclose.
Provided that nothing in this section shall prevent the insurer from calling for proof of age at any time
if he is entitled to do so, and no policy shall be deemed to be called in question merely because the
terms of the policy are adjusted on subsequent proof that the age of the life insured was incorrectly
stated in the application.
10
BIRLA SUN LIFE INSURANCE – A coming together of values
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 conglomerates and Sun Life Financial Inc, leading international financial services
organization from Canada. With an experience of over 9 years, BSLI has contributed significantly to
the growth and development of the Indian Life Insurance industry and currently is one of the leading
life insurance companies in the country. Enjoying trust of its over 2 Million customers, BSLI is known
for innovation. BSLI offers a complete range of pension, health and life insurance products and
has an extensive reach in over 1500 markets through its network of 600 branches and 1,70,603
empanelled advisors. This is well supported by the sound financial that the Company has. The AUM
of Birla Sun Life Insurance reached the Rs. 15,000 crs and it has a robust capital base of over
Rs. 2374.5 crs as on Feb 28, 2010. For more information, please visit www.birlasunlife.com
About Aditya Birla Group
A US $28 billion corporation, the Aditya Birla Group is in the league of Fortune 500 worldwide. It is
anchored by an extraordinary force of 100,000 employees, belonging to 25 different nationalities.
The group operates in 25 countries across six continents – truly India's first multinational corporation.
Aditya Birla Group through Aditya Birla Financial Services Group (ABFSG), has a strong presence
across various financial services verticals that include life insurance, fund management, distribution
& wealth management, security based lending, insurance broking, private equity and retail broking.
In FY 2008-09, the consolidated revenues of ABFSG from these businesses crossed Rs. 4763 crs,
registering a growth rate of 36%. For more information please visit www.adityabirla.com
About Sun Life Financial Inc.
Sun Life Financial is a leading international financial services organization providing a diverse range
of protection and wealth accumulation products and services to individuals and corporate
customers. Chartered in 1865, Sun Life Financial and its partners today have operations in key
markets worldwide, including Canada, the United States, the United Kingdom, Ireland, Hong Kong,
the Philippines, Japan, Indonesia, India, China and Bermuda. As of March 31, 2009, the Sun Life
Financial group of companies had total assets under management of $375 billion.
DISCLAIMERS
This policy is underwritten by Birla Sun Life Insurance Company Limited (BSLI). This is a non-
participating traditional insurance plan. All terms & conditions are guaranteed throughout the policy
term except for the Bachat Addition which will vary from year to year and be declared by BSLI on
April 1st of every calendar year. BSLI reserves the right to recover levies such as the Service Tax and
Education Cess levied by the authorities on insurance transactions. If there be any additional levies,
they too will be recovered from you. This brochure contains only the salient features of the plan. For
further details please refer to the policy contract. Tax benefits are subject to changes in the tax laws.
Insurance is the subject matter of the solicitation. For more details and clarification call your BSLI
Insurance Advisor or visit our website and see how we can help in making your dreams come true.
11

average of the daily 10-year Constant Maturity Treasury (10-Year CMT) yields recorded over the last
3 years. Currently, the source of the 10-Year CMT yield is that published by Bloomberg.
Prohibition of Rebates – Section 41 of the Insurance Act, 1938
No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to
take or renew or continue an insurance in respect of any kind of risk relating to lives or property in
India, any rebate of the whole or part of the commission payable or any rebate of the premium
shown on the policy, nor shall any person taking out or renewing or continuing a policy accept any
rebate, except such rebate as may be allowed in accordance with the published prospectuses or
tables of the insurer.
Non-Disclosure – Section 45 of the Insurance Act, 1938
No policy of life insurance effected after the coming into force of this act shall, after the expiry of two
years from the date on which it was effected be called in question by an insurer on the ground that
statement made in the proposal or in any report of a medical officer, or referee, or friend of the life
insured, or in any other document leading to the issue of the policy, was inaccurate or false, unless
the insurer shows that such statement was on a material matter or suppressed facts which it was
material to disclose and that it was fraudulently made by the policyholder and that the policyholder
knew at the time of making it that the statement was false or that it suppressed facts which it was
material to disclose.
Provided that nothing in this section shall prevent the insurer from calling for proof of age at any time
if he is entitled to do so, and no policy shall be deemed to be called in question merely because the
terms of the policy are adjusted on subsequent proof that the age of the life insured was incorrectly
stated in the application.
10
BIRLA SUN LIFE INSURANCE – A coming together of values
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 conglomerates and Sun Life Financial Inc, leading international financial services
organization from Canada. With an experience of over 9 years, BSLI has contributed significantly to
the growth and development of the Indian Life Insurance industry and currently is one of the leading
life insurance companies in the country. Enjoying trust of its over 2 Million customers, BSLI is known
for innovation. BSLI offers a complete range of pension, health and life insurance products and
has an extensive reach in over 1500 markets through its network of 600 branches and 1,70,603
empanelled advisors. This is well supported by the sound financial that the Company has. The AUM
of Birla Sun Life Insurance reached the Rs. 15,000 crs and it has a robust capital base of over
Rs. 2374.5 crs as on Feb 28, 2010. For more information, please visit www.birlasunlife.com
About Aditya Birla Group
A US $28 billion corporation, the Aditya Birla Group is in the league of Fortune 500 worldwide. It is
anchored by an extraordinary force of 100,000 employees, belonging to 25 different nationalities.
The group operates in 25 countries across six continents – truly India's first multinational corporation.
Aditya Birla Group through Aditya Birla Financial Services Group (ABFSG), has a strong presence
across various financial services verticals that include life insurance, fund management, distribution
& wealth management, security based lending, insurance broking, private equity and retail broking.
In FY 2008-09, the consolidated revenues of ABFSG from these businesses crossed Rs. 4763 crs,
registering a growth rate of 36%. For more information please visit www.adityabirla.com
About Sun Life Financial Inc.
Sun Life Financial is a leading international financial services organization providing a diverse range
of protection and wealth accumulation products and services to individuals and corporate
customers. Chartered in 1865, Sun Life Financial and its partners today have operations in key
markets worldwide, including Canada, the United States, the United Kingdom, Ireland, Hong Kong,
the Philippines, Japan, Indonesia, India, China and Bermuda. As of March 31, 2009, the Sun Life
Financial group of companies had total assets under management of $375 billion.
DISCLAIMERS
This policy is underwritten by Birla Sun Life Insurance Company Limited (BSLI). This is a non-
participating traditional insurance plan. All terms & conditions are guaranteed throughout the policy
term except for the Bachat Addition which will vary from year to year and be declared by BSLI on
April 1st of every calendar year. BSLI reserves the right to recover levies such as the Service Tax and
Education Cess levied by the authorities on insurance transactions. If there be any additional levies,
they too will be recovered from you. This brochure contains only the salient features of the plan. For
further details please refer to the policy contract. Tax benefits are subject to changes in the tax laws.
Insurance is the subject matter of the solicitation. For more details and clarification call your BSLI
Insurance Advisor or visit our website and see how we can help in making your dreams come true.
11
 Protects your family's future
through regular savings

Call Toll-free: 1-800-270-7000 www.birlasunlife.com sms BUILD to 56161

Birla Sun Life Insurance
Regd. Office: One Indiabulls Centre, Tower 1, 15th & 16th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg,
Elphinstone Road, Mumbai 400 013. Reg. No. 109 Unique No.: 109N056V01 ADV / 04 / 09-10 / 3936 VER1 / APR / 2010 Bachat (Endowment) Plan

12 1