1. Birla Sun Life Insurance Wealth Secure Plan

2. Sensex Closing Investment Flexibilities Options Charges Benefits
Disclaimers

3. What to Do?
Most of us desire to acquire a lot of wealth in the shortest amount of time. However, we also have some reservations as to;
Which funds Do I invest in?
I want inflation beating returns?
Investment
Options
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Flexibilities
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4. Do I take high risk and get better returns?
Or Do I take Low/No risk and loose the opportunity to make bigger profits?
BIG Opportunity
Euphoria
Relief
Excitement
Fear
Hope
Optimism
Panic
High RISK
Investment
Options
Benefits
Flexibilities
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5. Current Customer Mentality
Jittery to enter the market when there is no clear trend in the market movements
Still believes that equity is a good investment over long term
Potential of Stock Markets
India continues to grow at 8%
Equity is the still the best investment if customer looks at a longer investment horizon
Investment
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6. Customer Need
PROTECTION on his investments against market uncertainties in the near future
ALONG WITH
The benefits of equity investment in the long term
Investment
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7. i Entry Age 1 to 60 years Policy Term Whole Life Premium Paying Term*
subject to min. age 18 & max age of 75 at the end of premium paying term
Premium Frequency
Annual | Semi-annual | Quarterly | Monthly
Minimum Basic Premium
Annual – Rs. 20,000
Semi Annual – Rs. 30,000
Quarterly/ Monthly – Rs. 60,000
Basic Sum Assured (Min.)
Basic Sum Assured is your Basic Premium payable in a policy year multiplied by:
The higher of 10 or the number of years to attain age 70 divided by 2, for entry ages below 45; or
The higher of 7 or the number of years to attain age 70 divided by 4, for entry ages 45 and above
Top-up Premium
Minimum Rs. 5,000
Investment Options
Lifecycle | Systematic Transfer | Self Managed
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Plan Details
Investment
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8. i S w t c h LifeCycle Option R i s k P r o f l e Lifecycle Option
An option which allows your investments to alter over time based on your age and risk profile
Premium automatically allocated in 2 fund options (Income Advantage & Maximiser) based on attained age and chosen risk profile
Switch between risk profiles anytime during the policy term
Automatic rebalancing will be done on every policy anniversary
Risk Profile
Conservative
Moderate
Aggressive R i s k P r o f l e S w t c h
Annual
Rebalancing
Lifecycle Option
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9. i LifeCycle Option 10% 10% 90% 30% 90% 70% Customer Policy Inception
Age 25, Aggressive
Change in NAV changes Debt – Equity Proportion
Change in Age – Change in Allocation percentage
Age 41 years
Policy Inception
Every Year
Change of Age Band
EQUITY
90%
DEBT
10%
EQUITY
90%
DEBT
10%
EQUITY
70%
DEBT
30%
Allocation based on Age and Risk Profile
Asset Rebalancing on every policy anniversary
Asset Rebalancing on every shift in age band
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10. i Systematic Transfer Option
Allows you to invest in lump sum and minimize the effect of market volatility
Mechanism that eliminates the need to time your investments in the market
Avoids the risk of locking in to one single valuation and facilitates one to get an 'average' of the valuations on the various dates
Regular transfer (on monthly basis) from low risk instrument (debt) to high risk instrument (equity) in the pre-specified manner.
Available only with Annual mode
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11. i Systematic Transfer Option 6/12 7/12 4/12 2/12 1/12 8/12 3/12 5/12
11/12
100%
10/12
9/12
3/12
10/12
100%
11/12
8/12
9/12
2/12
7/12
5/12
4/12
1/12
6/12
Premiums initially allocated to Liquid Plus Fund
Choose any one of the following five fund options as a “Transfer Fund”
Enhancer
Multiplier
Super 20
Pure Equity
Value & Momentum
Choose a Transfer Date from 1st, 8th, 15th or 22nd of every month
On every Transfer Date -1/12th of the allocated amount transferred to “Transfer Fund”
Transfer Fund
Liquid Plus
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12. TO REDUCE RISK – Follow the Systematic Transfer Option
Market
Units Purchased
Rising Markets
Falling Markets
Units Purchased
Market
Average Purchase cost Per Unit
will be less
At higher prices, buy less units
At lower prices, buy more units
DOUBLE BENEFIT OF REGULAR INVESTMENT
Rupee cost Averaging
Automatic timing
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13. Self-Managed Option
Gives you freedom to invest in fund of your choice.
Option to select investment funds ranging from 100% debt to 100% equity
Liquid Plus| Enhancer | Maximiser | Income Advantage | Creator | Multiplier Assure | Magnifier |Super 20 | Protector | Pure Equity | Builder | Value & Momentum
Flexibility to change the allocation percentage
Switching allowed within the investment funds
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14. Death Benefit: in the unfortunate event the life insured dies while the policy is in effect, we will pay to the nominee the greater of
Basic Fund Value as on date of intimation of death; or
Basic Sum Assured
In addition we will also pay the greater of
Top-up Fund Value as on date of intimation of death; or
Top-up Sum Assured
Death benefit shall never be less than 105% of total premiums paid to date.
Guaranteed Additions:
On 10th policy anniversary and on every 5th policy anniversary thereafter. Guaranteed Addition is 2.00% of the total premiums paid in the last 60 months
In addition on 11th policy anniversary and every policy anniversary thereafter. Guaranteed Addition is 0.20% of the average Fund Value in the last 12 months
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15. i Surrender Benefits: During the 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%pa.
FMC of 0.50% is applicable on Linked Discontinued Policy Fund
shall be payable at the end of 5 policy years
After 5 policy years
Fund value
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16. Sum Assured:
Enhance your protection- increase the amount of protection by opting for 150%, 200%, % or 300% of the minimum Basic Sum Assured
Decrease your Basic Sum Assured anytime after the premium paying term provided it meets the minimum Basic Assured criteria as defined under this plan
Partial Withdrawal:
Unlimited partial withdrawals anytime after (a) 5 policy years or (b) life insured attaining the age of 18, whichever is later
Partial withdrawal's will be first adjusted from the Top Up fund value
Minimum amount of partial withdrawal is Rs. 5,000
No maximum limit, but need to maintain a minimum Basic fund value of 5 years basic premiums plus any top up premiums paid in the previous 5 years immediately preceding the date of withdrawal
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17. i Top Up Premium: Not Allowed 5 years before maturity
Minimum Top Up amount is R. 5,000
Basic Sum Assured will increase by;
125% for entry ages below 45;
110% for entry ages 45 and above
Policy Loan:
No policy loans allowed
Switching:
Allowed
Minimum switch amount is Rs. 5,000
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18. Premium Allocation - is levied on the Basic and Top-Up Premium when received
6.00% of the basic premium payable in the policy years 1-2
5.50% of the basic premium payable in the policy years 3-6
5.00% of the basic premium payable from the 7th policy year onwards
A premium allocation charge of 2% is levied on any top-up premium when paid.
Fund Management Charge– The daily unit price of the investment fund is adjusted to reflect the fund management charge.
1.00% p.a. for Liquid Plus, Income Advantage, Assure, Protector and Builder
1.25% p.a. for Enhancer and Creator
1.35% p.a. for Magnifier, Maximiser, Multiplier, Super 20, Pure Equity and Value & Momentum.
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19. Mortality Charge – deducted at the start of every month for providing you with the risk cover. It is charged by cancelling units proportionately from each investment fund you have at that time. The charge per 1000 of Sum at Risk) will depend on the gender and attained age of the life insured
Policy Administration Charge – The policy administration charge is Rs. 20 per month for the first five policy years. It shall increase to Rs. 25 per month in the sixth year and inflate at 5% p.a. thereafter, subject to a maximum of Rs. 6,000 p.a.
Attained Age
Age 25
Age 35
Age 45
Age 55
Age 65
Male
1.546
1.753
3.040
7.064
16.267
Female
1.502
1.605
2.505
5.494
13.197
Miscellaneous Charge - currently Rs. 50 per request is charged for change in investment option, premium re-direction, fund switch partial withdrawal or any additional servicing request. We do however reserve the right to charge up to Rs. 500 per request in the future
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20. Disclaimers
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.
This is a non-participating unit linked life insurance savings plan. Birla Sun Life Insurance, BSLI Wealth Secure Plan(UIN109L074V02) , Self-Managed Option – Liquid Plus (ULIF02807/10/11BSLLIQPLUS109), Income Advantage(ULIF01507/08/08BSLIINCADV109), Assure(ULIF01008/07/05BSLIASSURE1090, Protector(ULIF00313/03/01BSLPROTECT109), Builder(ULIF00113/03/01BSLBUILDER109), Enhancer(ULIF00213/03/01BSLENHANCE109), Creator(ULIF00704/02/04BSLCREATOR109), MagnifierULIF00826/06/04BSLIIMAGNI109), Maximiser(ULIF01101/06/07BSLIINMAXI109), Multiplier(ULIF01217/10/07BSLIINMULTI109), Super 20(ULIF01723/06/09BSLSUPER20109), Pure Equity(ULIF01723/06/09BSLSUPER20109) and Value & Momentum(ULIF02907/10/11BSLIVALUEM109) 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
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