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BSLI Foresight Plan

• BSLI Foresight Plan, the perfect insurance cum investment plan just for you.
• BSLI Foresight Plan allows you to choose your life cover to suit your particular insurance needs.
• BSLI Foresight Plan allows you to build your own universe of investments through the Self-Managed Option and thus diversify your risk according to your own personal preferences. In this investment option,you decide how to invest your NIPs. We offer 10 investment funds ranging from 100% debt to 100% equity to suit your particular needs and risk appetite - Income Advantage, Assure, Protector, Builder,Enhancer, Creator, Magnifier, Maximiser, Multiplier and Super 20.
• Alternatively, BSLI Foresight Plan with its Guaranteed Option, allows you to optimise your participation in capital markets while safeguarding your investment and any gains thereon. For your entire policy, the Fund Value is the sum of all your NIP Values as of date. Your Guaranteed Minimum Maturity Benefit is similarly defined as the sum of all your NIP Guaranteed Values. At maturity and provided you remain invested in the Guaranteed Option, you will receive the Fund Value or the Guaranteed Minimum Maturity Benefit, whichever is higher.

Entry Age	8 to 60 years
Policy Term	10 years
Minimum Basic Sum Assured(BSA) For entry ages below 45 For entry ages 45 and above	Single Pay                      5-Pay 1.25*Basic Premium    10*Basic Premium 1.10*Basic Premium    7*Basic Premium
Maximum Basic Sum Assured For entry ages below 45 For entry ages 45 and above	Single Pay                   5-Pay 5*Basic Premium       300% of BSA 5*Basic Premium       300% of BSA
Death Benefit	Upon the unfortunate demise of the life insured prior to maturity, we shall pay to the nominee the Basic Sum Assured plus the Fund Value as of the date of intimation of death.
Maturity Benefit	You will receive the Fund Value at maturity, if you are invested in the Self-Managed Option at that time. You will receive the higher of the Guaranteed Minimum Maturity Benefit or the Fund Value at maturity, if you are invested in the Guaranteed Option at that time.
Surrender Benefit	Surrender policy only after 5 years of policy and receive the fund value at that time.
Loan Benefit	You can avail of a loan on your policy. The minimum loan amount is Rs. 5,000 and the maximum loan amount is 40% of the Fund Value net of any discontinuance charges. The interest we charge on such loans will be fixed by us from time to time based on then prevailing market conditions.
Premium Payment Options	Single-pay-Minimum Basic Premium Rs. 200,000 once 5-Pay-Minimum Basic Premium Rs. 100,000 yearly
Partial Withdrawals	You can make unlimited partial withdrawals to meet any financial emergencies

BSLI Foresight Plan UIN No. - 109L069V01

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BSLI Platinum Advantage Plan

• As an informed investor, you appreciate the potential of equity markets to generate wealth over the long term. You also understand that market volatility can impact your investments, and hence you are looking for Investment Options that enable you to diversify your risk to suit your investment needs. You also want options that can lock in your gains and safeguard your investments from potential downsides.
• You choose the Basic Premium you wish to invest every year for a period of five years. Your basic sum assured will automatically be 10 x the Basic Premium (7 x if life insured is 45 years of age or older). You can then increase the financial security for your loved ones by opting for enhanced sum assured.
• This Plan gives you the advantage to choose from 2 Investment Options - Guaranteed Option and Self-Managed Option. With the Guaranteed Option your investments in the Platinum Advantage Fund are safeguarded from any downsides in the capital markets. And you also have options to enhance the financial security of your loved ones, at a nominal additional cost.

Entry Age	8 to 70 years of age
Policy Term	10 years
Minimum Basic Sum Assured (BSA)	10 x Basic Premium for entry ages below 45 7 x Basic Premium for entry ages 45 and above
Enhanced Sum Assured	Minimum Rs. 50,000 and not exceeding Basic Sum Assured, Entry Age 18 to 65 years
Death Benefit	The Fund Value as on date of intimation of death or the Basic Sum Assured reduced for partial withdrawals. In addition we will also pay the Enhanced Sum Assured, if any.
Maturity Benefit	You will receive the Fund Value at maturity. In addition, you will receive an amount equal to the number of units in Platinum Advantage Fund times the excess, if any, of Guaranteed Unit Price over the then prevailing unit price of this investment fund, if you have opted for Guaranteed Option.
Surrender Benefit	Surrender policy only after 5 years of policy and receive the fund value at that time.
Loan Benefit	You can avail of a loan on your policy. The minimum loan amount is Rs. 5,000 and the maximum loan amount is 40% of the Fund Value net of any discontinuance charges. The interest we charge on such loans will be fixed by us from time to time.
Premium Payment Options	5 years Minimum Rs. 25,000 p.a. if paid annually Minimum Rs. 30,000 p.a. if paid monthly, quarterly or semi-annually
Partial Withdrawals	You can make unlimited partial withdrawals to meet any financial emergencies

BSLI Platinum Advantage Plan UIN No. - 109L062V01

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BSLI Dream Endowment Plan

• A plan that gives you a Guaranteed Savings Amount on the date of your choice along with a range of options to provide for your family's future financial protection.
• Your Guaranteed Savings Amount is automatically determined based on the above choices and the entry age and gender of the life insured
• Enhancer Fund - To grow capital through enhanced returns over a medium to long-term period through investments in equity and debt instruments, thereby providing a good balance between risk and return. It is suitable for individuals seeking, higher returns with a balanced equity-debt exposure.

Entry Age	1 year to 65 years, subject to minimum age of 18 on GSD
Policy Term	10, 15, 20, 25 and 30 years
Guaranteed Savings Date	Same as policy term
Enhanced Sum Assured	Minimum Rs. 50,000 and not exceeding Basic Sum Assured, Entry Age 18 to 65 years, subject to maximum age of 75 on GSD
Guaranteed Additions	Additional units will be added to your policy: On 10th policy anniversary and every 5th policy anniversary thereafter. Guaranteed Addition is 2.50% of the Basic Premiums paid in the last 60 months In addition on 11th policy anniversary and every policy anniversary thereafter. Guaranteed Addition is 0.25% of the average Fund Value in the last 12 months
Death Benefit	In the unfortunate event of the death of the life insured prior to maturity, we will pay to the nominee Basic Sum Assured; plus Fund Value as on date of intimation of death; plus Enhanced Sum Assured, if any
Maturity Benefit	You will receive higher of the Fund Value or Guaranteed Savings Fund at maturity.
Surrender Benefit	Surrender policy only after 5 years of policy and receive the fund value at that time.
Loan Benefit	You can avail of a loan on your policy. The minimum loan amount is Rs. 5,000 and the maximum loan amount is 40% of the Fund Value net of any discontinuance charges. The interest we charge on such loans will be fixed by us from time to time.
Premium Payment Options	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 quarterly Minimum Rs. 24,000 p.a. if paid monthly
Partial withdrawals	You can make unlimited partial withdrawals to meet any financial emergencies

BSLI Dream Endowment Plan UIN No. - 109L060V01

• Your Basic Premium is due every policy year prior to the Guaranteed Savings Date.
• We also offer short pay options of 5-Pay, 10-Pay, 15-Pay or 20-Pay for your convenience.
• You can pay in monthly, quarterly, semi-annual or annual installments.

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BSLI Classic Endowment Plan

• A plan that not only help you to save for a future but also lets you reap rich benefits from the investment of your choice. Also keeps your family financially independent, even if you are not around.
• Self-Managed Option lets you channel your savings to our range of ten investment funds, to suit your investment needs, and also provides financial protection for your family.
• 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 long as all due policy premiums have been paid.

Entry Age	1 year to 65 years, subject to minimum age of 18 on Savings Date
Savings Date	Same as policy term
Policy Term	10, 15, 20, 25 and 30 years
Enhanced Sum Assured	Minimum Rs. 50,000 and not exceeding Basic Sum Assured, Entry Age 18 to 65 years, subject to maximum age of 75 on Savings Date
Guaranteed Additions	Additional units will be added to your policy: On 10TH policy anniversary and every 5TH policy anniversary thereafter. Guaranteed Addition is 2.50% of the Basic Premiums paid in the last 60 months In addition on 11TH policy anniversary and every policy anniversary thereafter. Guaranteed Addition is 0.25% of the average Fund Value in the last 12 months
Death Benefit	In the unfortunate event of the death of the life insured prior to maturity, we will pay to the nominee Basic Sum Assured; plus Fund Value as on date of intimation of death; plus Enhanced Sum Assured, if any
Maturity Benefit	You will receive the Fund Value at maturity
Surrender Benefit	Surrender policy only after 5 years of policy and receive the fund value at that time.
Loan Benefit	You can avail of a loan on your policy. The minimum loan amount is Rs. 5,000 and the maximum loan amount is 40% of the Fund Value net of any discontinuance charges. The interest we charge on such loans will be fixed by us from time to time.
Basic Premium Payment Options	Minimum Rs. 25,000 p.a. if paid annually Minimum Rs. 30,000 p.a. if paid monthly, quarterly or semi-annually
Pay Term	Short pay - 5, 10, 15, 20 years or To Savings Date
Partial Withdrawals	You can make unlimited partial withdrawals to meet any financial emergencies

BSLI Classic Endowment Plan UIN No. - 109L061V01

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BSLI Vision Plan

• This life insurance plan offers whole life cover to Age 100 plus a guaranteed survival benefit payable at the end of the term selected by you, both your life cover and your survival.Benefit will grow with monthly additions accrued at the end of each policy month as long as you pay your due premiums

Entry Age	1 to 65 years
Policy Term	Whole Life to Age 100
GSB Term Minimum GSB Term Maximum GSB Term	5 to 35 years Attained Age at GSB Term is 18 or more Attained Age at GSB Term is 75 or less
Premium Paying Term	Regular Pay during the GSB Term
Death Benefit	In the event the life insured dies during the policy term, we shall pay the Sum Assured to the nominee as the Death Benefit, Guaranteed Death Benefit; plus Monthly Additions accrued to date; plus Enhancement to Monthly Additions, if applicable
Survival Benefit	Guaranteed Survival Benefit; plus Monthly Additions accrued to date; plus Enhancement to Monthly Additions, if applicable The policy continues even After the Survival Benefit is paid.
Maturity Benefit	In the event the life insured survives to the end of the policy term, we shall pay to you the Sum Assured as the Guaranteed Maturity Benefit. The policy shall be terminated once the Maturity Benefit is paid.
Loan Benefit	You can also avail of loans on your policy once it has acquired a Surrender Value. The minimum loan amount is Rs.5,000 and the maximum is 90% of your policy’s Surrender Value.

BSLI Vision Plan UIN No. - 109N068V01

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BSLI Rainbow Plan

• BSLI Rainbow is a traditional non-participating savings plan. This plan ensures security of your capital and provides steady growth of your savings through regular monthly additions.
• Plus a loyalty benefit at the end of the policy term to boost up your accrued savings.You choose the Single Premium you wish to pay
• You choose a policy term of 5 or 10 years depending on your convenience
• You enjoy a life cover of 5 x Single Premium amount

Entry Age	8 - 60 years, subject to minimum attained age of 18 at maturity
Policy Term	5 or 10 years
Basic Sum Assured	5 times Single Premium
GSB Term Minimum GSB Term Maximum GSB Term	5 to 35 years Attained Age at GSB Term is 18 or more Attained Age at GSB Term is 75 or less
Premium Paying Term Minimum Single Premium	Single pay Minimum Rs. 50,000
Death Benefit	In the unfortunate event of death of the life insured, the nominee shall Receive the Basic Sum Assured.
Survival Benefit	Guaranteed Survival Benefit; plus Monthly Additions accrued to date; plus Enhancement to Monthly Additions, if applicable The policy continues even After the Survival Benefit is paid.
Maturity Benefit	On maturity, you will receive Maturity Sum Assured; plus All Guaranteed Monthly Additions earned to date; plus Guaranteed Final Addition
Loan Benefit	You can also avail loans on your policy.
Surrender Benefit	you may surrender your policy any time after 1st policy year and receive 90% of the Maturity Sum Assured; plus Guaranteed Monthly Additions earned to date

BSLI Rainbow Plan UIN No. - 109N063V01

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BSLI Moneyback Plus Plan

• BSLI Money Back plus Plan, a non-participating endowment plan, offers you the Power of Guarantee with Safety and Liquidity.
• The plan offers you a chance to earn survival benefit at the end of every policy year from the 3 year onwards. The survival benefit can be withdrawn by you or can be used to pay the premium dues.
• Every policy anniversary, as a mark of loyalty, the plan increases
• Your existing cover by an amount equal to the annual base premium. As a result,
• Your cover increases with successive year, thus offering you increasing safety.

Entry Age	30 days to 60 years
Policy Term	Minimum-10 years Maximum-70 minus your current age Subject to Maximum 40 years
Basic Sum Assured	5 times Single Premium
Guaranteed Savings Benefit (GSB) Term Minimum GSB Term Maximum GSB Term	5 to 35 years Attained Age at GSB Term is 18 or more Attained Age at GSB Term is 75 or less
Premiums	Minimum: Rs. 9,600 per annum You can choose your annual base premiums only in multiples of Rs. 1,200
Death Benefit	In the unfortunate event of death of the life insured, the nominee shall Receive the Basic Sum Assured.
Survival Benefit & Maturity Benefit	A minimum amount that is guaranteed at the end of the term of the policy, along with a chance to earn survival benefit at the end of every policy year from the 3rd year onwards. This adds up to form your accumulated survival benefits. The Guaranteed Maturity Benefit is the sum of all base premiums that you have paid. And, the younger you are and the longer you stay with the policy the higher the Guaranteed Maturity Benefit will be. You will receive the Guaranteed Maturity Benefit and the accumulated Survival Benefit on maturity.
Withdrawal Options	The accumulated survival benefit could be used for cash withdrawals or premium offsets.
Maturity Preponement	Unfortunate circumstances could bring about a need to prepone the maturity of your policy. In this situation, the plan would pay you an amount equaling the Guaranteed Maturity Benefit minus the early maturity adjustment, along with your accumulated survival benefits. Preponement is possible only after ten completed policy years. Also no deduction is made if preponement is after 20 policy years.
Surrender Benefit	On surrender of your policy before the completion of ten policy years, your base premiums multiplied by a percentage* plus your accumulated survival benefit would be paid to you The policy acquires a surrender benefit only if premiums have been paid for 3 full years.
Premium Paying Frequency	Annually, half yearly, quarterly or monthly, as per your convenience

BSLI Moneyback Plus Policy UIN No. - 109N041V01

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BSLI Bachat Endowment Plan

A traditional non-participating endowment plan that helps you build a corpus through regular systematic savings and get your savings augmented through additions every year and at maturity. With BSLI Bachat (Endowment) Plan, you can now start ensuring and protecting your family's dreams and aspirations by saving as little as Rs. 400 per month.

Entry Age	30 days - 60 years
Policy Term	20 years
Sum Assured	Up to 180 times Monthly Base Premium
Death Benefit	In the unfortunate event of death of the life insured, the nominee shall receive All Monthly Base Premiums paid (or Sum Assured if higher); + All Bachat Additions earned; + The Loyalty Addition
Maturity Benefit	On maturity after 20 years, you will receive All Monthly Base Premiums paid; + All Bachat Additions earned + The Loyalty Addition
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
Loan Benefit	You can avail of a loan on your policy.
Monthly Base Premium Premium Payment Frequency	Rs. 400 - Rs. 5,000 Annual, Semi-annual, Quarterly and Monthly
Pay Term	20 years

BSLI BaChat Endowment Plan UIN No. - 109N056V01

A Bachat Addition Rate is declared by BSLI annually on the first of April each year and this Bachat
Addition Rate will be used to determine the Bachat Addition you will earn during the upcoming year.
Bachat Addition = Sum of all MBP's paid to date x Bachat Addition Rate
Loyalty Additions = Sum of all Bachat Additions earned to date x Sum of all Bachat Additions earned to date / (240 x MBP)

Premium Rebates

• If you choose to pay Premiums Semi – annually = 2% (5.88 x MBP)
• If you choose to pay Premiums Annually = 4% (11.52 x MBP)

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BSLI Bachat Money Back Plan

• A traditional non-participating Moneyback plan that helps you build a corpus through regular systematic savings and get your savings augmented through additions every year and at maturity.
• With BSLI Bachat (Moneyback) Plan, you can now start ensuring and protecting your family's dreams and aspirations by saving as little as Rs. 400 per month.
• You are insured for up to 180 x the Monthly Base Premium.
• You get 20% of Monthly Base Premiums paid back on the 5TH, 10TH and 15TH policy year.

Entry Age	13 - 60 years
Policy Term	20 years
Sum Assured	Up to 180 times Monthly Base Premium
Death Benefit	All Monthly Base Premiums paid (or Sum Assured if higher); plus All Bachat Additions earned; plus The Loyalty Addition; less All Survival Benefits paid.
Survival Benefit	You will receive 20% of Monthly Base Premiums paid, on the 5TH, 10TH and 15TH policy anniversary.
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 All Survival Benefits paid.
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; plus After the 10th policy year, all Bachat Additions earned; plus After the 15th policy year, the Loyalty Addition<
Loan Benefit	You can avail of a loan on your policy.
Monthly Base Premium Premium Payment Frequency	Rs. 400 - Rs. 5,000 Annual, Semi-annual, Quarterly and Monthly
Pay Term	20 years

BSLI Bachat Money Back Plan UIN No. - 109N57V01

Premium Rebates

• If you choose to pay Premiums Semi – annually = 2% (5.88 x MBP)
• If you choose to pay Premiums Annually = 4% (11.52 x MBP)

Bachat Addition = Sum of all MBP paid to date less sum of Survival Benefits paid x Bachat Addition Rate
Loyalty Addition = Sum of all Bachat Additions earned to date x Sum of all Bachat Additions earned to date / (240 x
MBP)

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BSLI Classic Child Plan

Presenting the BSLI Classic 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.

• 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

Entry Age - Grand / Parent - Child	18 - 65 years, provided age on Savings Date is 75 or less 30 days - 17 years
Policy Term	Savings Date + 20 years
Savings Date	Child's age 18 - 27, subject to minimum of 10 policy years
Enhanced Sum Assured	Minimum Rs. 50,000 Not exceeding Basic Sum Assured
Guaranteed Additions	Additional units will be added to your policy: On 10TH policy anniversary and every 5TH policy anniversary thereafter. Guaranteed Addition is 2.50% of the Basic Premiums paid in the last 60 months. In addition on 11TH policy anniversary and every policy anniversary thereafter. Guaranteed Addition is 0.25% of the average Fund Value in the last 12 months
Death Benefit	In the unfortunate event the primary life insured dies 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.
Maturity Benefit	You will receive the Fund Value at maturity
Surrender Benefit	Surrender policy only after 5 years of policy and receive the fund value at that time. Prior to the Savings Date, in situations where the primary life insured (grand / parent) is dead, the secondary life insured (child) can surrender the policy any time after attaining Age 18.
Loan Benefit	You can avail of a loan on your policy.
Basic Premium Payment Options	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
Partial Withdrawals	You can make unlimited partial withdrawals to meet any financial emergencies

BSLI Classic Child Plan UIN No. - 109L066V01

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BSLI Dream Child Plan

• A plan that gives you the guarantee of receiving your Guaranteed Savings Amount on the Guaranteed Savings Date chosen by you.
• You choose the Guaranteed Savings Date that suits your savings objectives.
• You choose the premium amount you want to pay every year prior to your Guaranteed Savings Date
• You are then guaranteed - To receive no less than the Guaranteed Savings Amount on the Guaranteed Savings Date.
• To enjoy a life cover of no less than the Basic Sum Assured throughout the policy term
• You also have the freedom - To increase the financial security for your loved ones by choosing an Enhanced Sum Assured
• To increase the protection under this plan by choosing additional riders.
• To meet any emergency fund requirements by making partial withdrawals or taking a policy loan
• Guaranteed Savings Fund - is your security. Starting on your Guaranteed Savings Date, all reference to the Fund Value in the Death, Surrender and Maturity Benefits above is replaced by - Higher of Fund Value or Guaranteed Savings Fund.
• Enhancer Fund-To grow capital through enhanced returns over a medium to long-term period through investments in equity and debt instruments, thereby providing a good balance between risk and return. It is suitable for individuals seeking, higher returns with a balanced equity-debt exposure

Entry Age - Grand / Parent - Child	18 - 65 years, provided age Guaranteed Savings Date is 75 or less 30 days - 17 years
Policy Term	Years to Guaranteed Savings Date
Savings Date	Child's age 18 - 27, subject to minimum of 10 policy years
Enhanced Sum Assured	Minimum Rs. 50,000 Not exceeding Basic Sum Assured
Guarenteed Additions	Additional units will be added to your policy: On 10TH policy anniversary and every 5TH policy anniversary thereafter. Guaranteed Addition is 2.50% of the Basic Premiums paid in the last 60 months In addition on 11TH policy anniversary and every policy anniversary thereafter. Guaranteed Addition is 0.25% of the average Fund Value in the last 12 months
Death Benefit	in the unfortunate event the primary life insured dies 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.
Maturity Benefit	you will receive the Fund Value at maturity
Surrender Benefit	Surrender policy only after 5 years of policy and receive the fund value at that time. Prior to the Savings Date, in situations where the primary life insured (grand / parent) is dead, the secondary life insured (child) can surrender the policy any time after attaining Age 18.
Loan Benefit	You can avail of a loan on your policy.
Basic Premium Payment Options	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 quarterly Minimum Rs. 24,000 p.a. if paid monthly
Pay Term	Years to Savings Date
Partial Withdrawals	You can make unlimited partial withdrawals to meet any financial emergencies

BSLI Dream Child Plan UIN No. - 109L065V01

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BSLI Bachat Child Plan

• A traditional non-participating savings plan that helps you protects your child's future by building a corpus through regular systematic savings.
• You get your savings augmented through additions ever year and at maturity.
• With BSLI Bachat Child Plan, you can now secure your child's future by starting with as little as Rs. 400 per month.
• You are insured for up to 180 x the Monthly Base Premium
• You get your Monthly Base Premiums back after 20 years - guaranteed - plus Bachat Additions with Loyalty Additions
• Your policy continues till maturity as you planned to secure your child's future in case of your untimely demise
• You can double your Sum Assured in case of accidental death for a nominal additional premium of 1.2% x the Monthly Base Premium

Entry age - Grand / Parent - Child	18 - 65 years, provided age Guaranteed Savings Date is 75 or less 30 days - 17 years
Policy Term	20 years
Sum assured	Upto 180 times Monthly Base Premium
Guaranteed Additions	Additional units will be added to your policy: On 10TH policy anniversary and every 5TH policy anniversary thereafter. Guaranteed Addition is 2.50% of the Basic Premiums paid in the last 60 months. In addition on 11TH policy anniversary and every policy anniversary thereafter. Guaranteed Addition is 0.25% of the average Fund Value in the last 12 months
Death Benefit	In the unfortunate event of death of the life insured during the policy term, 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 absence your child's future is assured; All Bachat Additions and Loyalty Addition will continue as if all MBPs are paid when due.
Maturity Benefit	On maturity after 20 years, you will receive All Monthly Base Premiums paid; plus All Bachat Additions earned; plus The Loyalty Addition
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
Loan benefits	You can avail of a loan on your policy.
Monthly base premium	Rs. 400 - Rs. 3,000
Premium payment frequency	Annual, Semi-annual, Quarterly and Monthly.
Pay term	20 years

BSLI Bachat Child Plan UIN No. - 109N58V01

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BSLI Classic Life Plan

• A Unit Linked Investment 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.
• Self-Managed Option gives you access to our well established suite of 10 investment funds, complete control in how to invest your premiums and full freedom to switch from one investment fund to another.
• Flexibility of directing your savings in 10 Investment Funds, as per risk appetite
• Choice of pay term.
• Whole life cover.
• Enhanced financial security for your loved ones.

Entry Age SAVINGS DATE	18 to 45 years To age 55	18 to 50 years To age 60	18 to 55 years To age 65	18 to 60 years To age 70
Policy Term	Whole Life
Sum Assured	The Basic Sum Assured is automatically determined on your Basic Premium
Enhanced Sum Assured	Minimum Rs. 50,000, and not exceeding Basic Sum Assured, subject to maximum of 30 years to Savings Date
Top-up Premium	Minimum Rs. 5,000
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 the Fund Value as on date of intimation of death or the Basic Sum Assured reduced for partial withdrawals.
Guaranteed Additions	Additional units will be added to your policy: On 10TH policy anniversary and every 5TH policy anniversary thereafter. Guaranteed Addition is 2.50% of the Basic Premiums paid in the last 60 months In addition on 11TH policy anniversary and every policy anniversary thereafter. Guaranteed Addition is 0.25% of the average Fund Value in the last 12 months.
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 All Survival Benefits paid.
Surrender Benefit	In case of emergencies, you can surrender your policy to us after the completion of five policy years and receive the Fund Value atthat time.
Loan Benefit	You can avail of a loan on your policy.
Premium Payment Frequency	Minimum Rs. 25,000 p.a. if paid annually Minimum Rs. 30,000 p.a. if paid monthly, quarterly or semi-annually
Pay Term	Short pay - 5, 10, 15, 20 years Or To Savings Date

BSLI Classic Life Plan UIN No. 109L067V01

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BSLI Dream Life Plan

• A plan that gives you the guarantee of receiving your Guaranteed Savings Amount on the Guaranteed Savings Date chosen by you. What's more, you retain the freedom to keep pace with the ever changing world of your dreams for your Golden Years.
• You choose the Guaranteed Savings Date that suits your retirement objectives.
• You choose the premium amount you want to pay every year prior to your Guaranteed Savings Date.
• Your Fund-Enhancer- To grow capital through enhanced returns over a medium to long-term period through investments in equity and debt instruments, thereby providing a good balance between risk and return. It is suitable for individuals seeking, higher returns with a balanced equity-debt exposure.

Entry Age Savings Date	18 to 45 years To age 55	18 to 50 years To age 60	18 to 55 years To age 65	18 to 60 years To age 70
Policy Term	Whole Life
Sum Assured	The Basic Sum Assured is automatically determined on your Basic Premium
Enhanced Sum Assured	Minimum Rs. 50,000, and not exceeding Basic Sum Assured, subject to maximum of 30 years to Savings Date
Death Benefit	Basic Sum Assured; plus Fund Value as on date of intimation of death; plus Enhanced Sum Assured, if any
Guarenteed Additions	Additional units will be added to your policy: On 10TH policy anniversary and every 5TH policy anniversary thereafter. Guaranteed Addition is 2.50% of the Basic Premiums paid in the last 60 months In addition on 11TH policy anniversary and every policy anniversary thereafter. Guaranteed Addition is 0.25% of the average Fund Value in the last 12 months.
Guarenteed Saving Benefit	Starting on your Guaranteed Savings Date, all reference to the Fund Value in the Death and Surrender Benefits above is replaced by - Higher of Fund Value or Guaranteed Savings Fund
Surrender Benefit	In case of emergencies, you can surrender your policy to us after the completion of five policy years and receive the Fund Value at that time.
Loan Benefit	You can avail of a loan on your policy.
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 quarterly Minimum Rs. 24,000 p.a. if paid monthly
Pay Term	Short Pay - 5 years Short Pay - 10, 15 or 20 years To Guaranteed Savings Date		From entry age 30 From entry age 18 From entry age 18

Dream Life Plan UIN No. 109L064V01

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BSLI Secure 58 Plan

• With BSLI Secure 58, you can be rest assured that you have a guaranteed corpus of funds at the threshold of retirement, plus the accumulated survival benefit that you collect over the years.
• A traditional, non-participating pension plan, which offers unique benefits to help you mitigate these risks.
• BSLI Secure 58 Plan is a great choice for your retired life as it has the mix of Security, Growth and Liquidity.
• Not only does BSLI Secure 58 Plan allow your money to grow safely, if the need arises, it allows you to access your accumulated survival benefit in case of any emergency need.

Entry Age	18 to 80 years of age
Policy Term	10 years - 40 years from the entry age. Maximum vesting age is 90 years
Death Benefit	75% of the base premium and all renewal base premiums paid. Or The surrender value (or the Guaranteed Vesting benefit) at that time plus all accumulated survival benefits.
Guaranteed Vesting Benefit	On the vesting date, you will receive a retirement corpus equal to the Guaranteed Vesting Benefit PLUS your accumulated survival benefit
Access Your Money	Make cash withdrawals, subject to a minimum of Rs. 5,000 Offset future premiums, provided your accumulated survival benefits are higher than your annual premium
Freedom to Choose your Annuity	On the vesting date of your policy, you will receive the guaranteed vesting benefit as well as the survival benefit. You can use this lump sum amount to purchase an annuity (a product which gives you a regular income during your retirement) from BSLI or any other insurance company.
Surrender Benefit	In the unfortunate situation that you have to surrender your policy before completion of 10 policy years, you will receive all base premiums paid by you multiplied by a percentage
Basic Premium	Minimum Rs. 9,600 per you can choose your annual base premiums only in multiples of Rs. 1,200 per annum over the minimum premium of Rs. 9,600

BSLI Secure 58 Plan UIN No. 109N043V01

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BSLI Protector Plus Plan

• BSLI Protector Plus Plan, a plan with a higher sum assured, so that your family stays protected, even when you are not around.
• Complete financial protection at an affordable cost
• Hedge against the rising cost of living with an option of increasing Sum Assured
• Increasing Sum Assured - You can choose to enhance your sum assured by 5% or 10% at inception depending upon your needs. On every policy anniversary, your sum assured will increase by 5% or 10% of the initial sum assured without any increase in your premium amount.
• Rewards for a healthy lifestyle – Lesser premium for Non – Smokers
• No Limit to Maximum Sum Assured ( Subject to Underwriting guidelines )
• Enhance your insurance with appropriate rider options
• Tax benefits as per prevailing norms under the Income Tax Act, 1961

Entry Age	18 – 65 years
Policy Term	5 to 30 years, subject to max age of  75 years on maturity
Sum Assured	Minimum - Rs. 50,00,000 Maximum – No Limit (Subject to Underwriting guidelines)
Sum Assured Option	1. Level Sum Assured  2. Increasing Sum Assured
Death Benefit	Sum assured as per choice opted by customer at inception of policy
Maturity Benefit	Nil
Surrender Benefit	Nil
Loan Benefit	Nil
Premium Payment Options	Regular Premium Pay term Annual   |  Semi – Annual   |  Quarterly   |   Monthly Your annual premium will be multiplied by: 1.000 for annual installments 0.519 for half-yearly installments 0.265 for quarterly installments; or 0.090 for monthly installments
Rider Options	BSLI Accidental Death and Disability Rider BSLI Critical Illness Rider BSLI Surgical Care Rider BSLI Hospital Care Rider BSLI Waiver of Premium Rider

BSLI Protector Plus Plan UIN No. - 109N071V01

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BSLI Protector Plan

• Complete financial protection at an affordable cost
• Hedge against the rising cost of living with an option of increasing Sum Assured
• Increasing Sum Assured - You can choose to enhance your sum assured by 5% or 10% at inception depending upon your needs. On every policy anniversary, your sum assured will increase by 5% or 10% of the initial sum assured without any increase in your premium amount.
• Enhance your insurance with appropriate rider options
• Tax benefits as per prevailing norms under the Income Tax Act, 1961

Entry Age	18 – 65 years
Policy Term	5 to 30 years, subject to max age of 75 years on maturity
Sum Assured	Minimum - Rs. 5,00,000  Maximum – Rs. 49,99,999
Sum Assured Option	1. Level Sum Assured  2. Increasing Sum Assured
Death Benefit	Sum assured as per choice opted by customer at inception      of   policy
Maturity Benefit	Nil
Surrender Benefit	Nil
Loan Benefit	Nil
Premium Payment Options	Regular Premium Pay term  Annual |  Semi – Annual |  Quarterly  |  Monthly  Your annual premium will be multiplied by 1.000 for annual installments 0.519 for half-yearly installments 0.265 for quarterly installments; or 0.090 for monthly installments
Rider Option	BSLI Accidental Death and Disability Rider  BSLI Critical Illness Rider  BSLI Surgical Care Rider  BSLI Hospital Care Rider  BSLI Waiver of Premium Rider

 

BSLI Protector Plan UIN No. - 109N072V01

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BSLI Premium Back Term Plan

• Unique, low-cost term plan that offers you an assured peace of mind with premium back on maturity.
• You receive the total premiums paid over the policy term at maturity
• Two maturity benefits to choose from – 100% Premium Back or 125% Premium Back.
• Tax benefit
• Additional riders available

Entry Age	Min.18years. Max 50 for 20 year policy & 55 for 10 and 15 years policy
Policy Term	100% Premium payback 10, 15 and 20 years 125% Premium payback 15 and 20 years
Minimum Coverage Face Amount	Rs.2,00,000.
Death Benefit	Coverage Face Amount + 100% premiums paid till date.
Maturity Benefit	100% Premium back 125% Premium back
Surrender Benefit	Available and it varies with the payment term as well as policy year in which it is surrendered
Loan Benefit	Nil
Premium Payment options	Annual, Semi - annually, quarterly, monthly.

BSLI Premium Back Term Plan UIN No. - 109N010V01

*All the premiums paid back on maturity or at death exclude any rider premiums

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It is important as

• It allows systematic long term savings which are low in nature but grow compoundingly
• Can be used for transferring wealth though estate planning
• To give adequate cover to key executives of the business, for its continuity
• Short term death benefit
• To substitute loss of income source in case of death
• Help supplement retirement income in case there is no other retirement coverage

Yes. The premium that you pay on your insurance policy is mainly dependant upon two things - your age and the tenure of the policy. The younger you are, the lower is your insurance premium amount. At younger age, you would be physically sound and may not be suffering from illnesses / medical. This would entitle you to a lower premium on the policy. Therefore it is advisable to buy insurance at an early age to reduce the cost of insurance.

The cost of life insurance depends on three factors: your age, health and your income. We suggest that you not compromise on the level of protection you require. You could purchase a basic protection policy that gives you the opportunity to pay only the minimum premium. You can choose this affordable policy, without any riders.

Annuities differ from all other forms of life insurance in one fundamental way - They do not provide any insurance cover but offer a guaranteed income for a certain period or for life. Typically annuities are bought to generate income during one's retired life, which is why they are also called Pension Plans.

Annuities are an investment that offers you an income that you cannot outlive and provides a solution to the biggest financial insecurity of old age that you will outlive your income.

Once your application has been submitted to the insurer it will be assessed by a medical underwriter. The life insurance provider will either accept your application immediately, or they could request a medical report from your general practitioner. You may also be asked to attend a medical examination,which will be paid for by the insurer.

The amount to be paid to the beneficiary when the insured dies. It will be reduced by any unpaid policy loans and interest on those loans, and may be increased by any dividends.

This term refers to the amount payable to the permanent life policy owner upon surrender of the policy. It is equal to the current cash value, less any surrender charges that may apply, any monthly contract charges, and any outstanding loans and accrued interest.

During the surrender charge period of a permanent life policy, an amount of money that is deducted from a policy's total accumulation value if you:

• Surrender your policy
• Decrease the face amount of your policy

Partial withdrawal of a policy implies withdrawal of only a part of the funds of your policy. The applicable norms for partial withdrawal may differ for every product.

If the policy has a surrender value you can avail of a policy loan up to 90% of the surrender value subject to minimum availability of Rs. 3,000. The policy loan can be taken for regular as well as single premium policies, any time after completion of two policy years. However, please note that no policy loan is available in case of Term policies, Flexi Retirement Pension Plan, Flexi Single Premium Bond and ClassicLife Plan.

Change in premium payment mode is permitted only after completion of one policy year.

A provision added to a policy that provides additional benefits, usually accompanied by a corresponding premium increase or change.