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Confidential Copyright Birla Sun Life Insurance Company Limited 2009 11 Birla Sun Life Insurance Wealth Max.

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Presentation on theme: "Confidential Copyright Birla Sun Life Insurance Company Limited 2009 11 Birla Sun Life Insurance Wealth Max."— Presentation transcript:

1 Confidential Copyright Birla Sun Life Insurance Company Limited Birla Sun Life Insurance Wealth Max

2 Copyright Birla Sun Life Insurance Company Limited PRP: TRA/12/13-14/6507 BSLI Wealth Max Plan – UIN: 109L07302 Entry Age 3 to 60 years Policy Term7 | 10 | 15 years Premium Paying TermSingle Pay Minimum Basic Premium Rs. 100,000 – 10 | 15 years term Rs. 500,000 – 7 years term Basic Sum Assured 1.25 | 5 | 10 times Basic Premium Investment Option Self-Managed Top-up Premium Min Rs. 5,000 Plan Details Charges Benefits Policy Term / SA Multiple years 546 years44 years42 years 1033 years31 years30 years Disclaimers

3 Copyright Birla Sun Life Insurance Company Limited PRP: TRA/12/13-14/6507 BSLI Wealth Max Plan – UIN: 109L07302 Guaranteed Additions In the form of additional units - calculated on the average fund value in the last 12 months -  6 th – 10 th policy anniversary %  11 th – 15 th policy anniversary % Death Benefit Higher of -  Basic Sum Assured; or  Basic Fund Value In addition, higher of –  Top-up Sum Assured; or  Top-up Fund Value Death benefit shall never be less than 105% of total premiums paid to date (excluding any applicable underwriting extras) Maturity Benefit Fund Value Plan Details Charges Benefits Disclaimers

4 Copyright Birla Sun Life Insurance Company Limited PRP: TRA/12/13-14/6507 BSLI Wealth Max Plan – UIN: 109L07302 Surrender Benefit During first 5 years -  Risk cover will cease  Fund value net of discontinuance charge will be transferred to Linked Discontinued Policy Fund  Linked Discontinued Policy Fund grows at a minimum guaranteed interest rate of 4% p.a.  FMC of 0.50% p.a. is applicable on Linked Discontinued Policy Fund  Proceeds shall be payable at the end of 5 policy years After 5 policy years  Fund Value Plan Details Charges Benefits Disclaimers

5 Copyright Birla Sun Life Insurance Company Limited PRP: TRA/12/13-14/6507 BSLI Wealth Max Plan – UIN: 109L07302 Top-up Premium  Min Rs. 5,000  Max – Equal to basic premium  Top-up Sum Assured  125% of Top-up premium if life assured is age < 45 years or  110% of Top-up premium if the life assured is age >= 45 years Partial Withdrawal  Allowed after 5 policy years or after life assured attaining age 18 years, whichever is later  Min Rs. 5,000  Max – Excess of Fund Value over 50% of basic premium paid plus any top-up premium paid in previous five years immediately preceding the date of withdrawal Switching  Allowed  Min Rs. 5,000 Policy Loan  Not allowed Plan Details Charges Benefits Disclaimers

6 Copyright Birla Sun Life Insurance Company Limited PRP: TRA/12/13-14/6507 BSLI Wealth Max Plan – UIN: 109L07302 Premium Allocation (% of Premium)  Basic Premium – 3.00%  Top-up Premium – 2.00% Policy Administration  1 st five policy years – Rs. 20 per month  6 th year - 25 per month, increasing by 5% p.a., every year thereafter subject to max of Rs. 6,000 p.a. Fund Management  1.00% p.a. For Liquid Plus, Income Advantage, Assure, Protector, Builder  1.25% p.a. For Enhancer & Creator  1.35% p.a. For Magnifier, Maximiser, Multiplier, Super 20, Pure Equity and Value & Momentum Misc. ChargesRs. 50 Mortality ChargeApplicable on sum at risk as age and gender Plan Details Charges Benefits Disclaimers

7 Copyright Birla Sun Life Insurance Company Limited PRP: TRA/12/13-14/6507 BSLI Wealth Max Plan – UIN: 109L07302  This is a unit-linked non-participating life insurance plan.  Investment risk in the investment portfolio is borne by the policy holder.  The premiums paid in Unit Linked Life Insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of the fund and factors influencing the capital market and the policy owner is responsible for his or her decision.  Birla Sun Life Insurance, BSLI Wealth Max Plan, Self-Managed Option & the investment funds are only the names of the Company, Policy, Investment Option and Investment Funds respectively and do not in any way indicate the quality of the Policy, Investment Funds or their future prospects or returns.  Insurance is the subject matter of the solicitation.  Tax benefits are subject to changes in tax laws.  Refer to product brochure for more details.  For training purpose only D ISCLAIMER Plan Details Benefits Charges Disclaimers

8 Copyright Birla Sun Life Insurance Company Limited PRP: TRA/12/13-14/6507 BSLI Wealth Max Plan – UIN: 109L07302 Thank You


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