Riders Plan

Riders are the additional benefits that you may buy and add to your policy at a nominal cost.

Rider Name UIN Nos Base product BSLI Surgical Care Rider 109C015V01 BSLI Dream Endowment Plan BSLI Classic Endowment Plan BSLI Platinum Advantage Plan BSLI Hospital Care Rider 109C016V01 BSLI Dream Endowment Plan BSLI Classic Endowment Plan BSLI Platinum Advantage Plan BSLI Waiver of Premium Rider 109C017V01 BSLI Dream Endowment Plan BSLI Classic Endowment Plan BSLI Platinum Advantage Plan BSLI Accident Death and Disability Rider 109C018V01 BSLI Dream Endowment Plan BSLI Classic Endowment Plan BSLI Platinum Advantage Plan BSLI Critical Illness Rider 109C019V01 BSLI Dream Endowment Plan BSLI Classic Endowment Plan BSLI Platinum Advantage Plan BSLI Accidental Death and Dismemberment Rider 109C002V01 BSLI Term Plan BSLI Premium Back Term Plan High Networth Term Plan BSLI Term Rider 109C003V01 BSLI Term Plan BSLI Premium Back Term Plan BSLI Critical Illness Plus Rider 109C011V01 BSLI Term Plan BSLI Premium Back Term Plan High Networth Term Plan BSLI Critical Illness Women Rider 109C012V01 BSLI Term Plan BSLI Premium Back Term Plan High Networth Term Plan BSLI Accidental Death Rider 109B013V01 BSLI Bima Suraksha Super BSLI Bima Dhan Sanchay BSLI Accidental Death Benefit Rider 109B014V01 BSLI Bachat(Endowment) Plan BSLI Bachat(Child) Plan BSLI Bachat(Money Back) Plan

BSLI Foresight Plan

BSLI Foresight Plan, which through its new generation Foresight fund helps you do just that by optimizing your investment in capital markets when they are low and locking in your gains when they are high.

How BSLI Foresight Plan works

Choose your Basic Premium a. For Single-Pay option, you pay the premium only once. The minimum Basic Premium payable is Rs.2,00,000. b. For 5-Pay option, you pay the premium annually for 5 years. The minimum Basic Premium payable is Rs.1,00,000 annually. Choose your Life Cover You can choose your Basic Sum Assured (BSA) i.e. Life Cover, as per the matrix given below. Single Pay Option Less than 45 yrs of age 45 yrs of age or more Min 1.25 x Basic Premium 1.10 x Basic Premium Max 5 x Basic Premium 5 x Basic Premium 5-Pay Option Less than 45 yrs of age 45 yrs of age or more Min 10 x Basic Premium 7 x Basic Premium Max 300% of BSA 300% of BSA Choose the Investment Option between Guaranteed Option and Self-Managed Option

Your investment options

Guaranteed Option In this option your money is invested in the new generation Foresight Fund. You receive a Guaranteed Minimum Maturity Benefit by optimising both your entry and gains from the capital markets. Self-Managed Option gives you complete access to our range of investment funds with the freedom to switch between them. In this investment option, you decide how to invest your premiums. 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.

How does the Guaranteed Option work?

To understand how the Guaranteed Option works, it is important to understand a few key terms:

Net Invested Premium (NIP) NIP Value NIP Guaranteed Value Guaranteed Minimum Maturity Benefit (GMMB) Each of these is explained below. Net Invested Premium (NIP) Net Invested Premium is the money that is invested in the investment option chosen by you. From the premium paid by you, we deduct: • Premium allocation charge; and • Mortality charge for the BSA chosen by you The residual amount is the NIP. NIP Value We track each NIP in your policy separately and each NIP has its own value (NIP value). NIP value for any given day is calculated as: NIP Value = NIP X current unit price unit price when NIP was paid to purchase units in Foresight fund For example, a NIP of Rs.1,00,000 is invested using a unit price of Rs.10 to purchase units in the Foresight fund. Now, • If the current unit price is Rs.12, then NIP Value = 1,00,000 x (12/10) = Rs.1,20,000 Your Fund Value is the sum of all NIP Values as on date. If you are in the fourth policy year and have paid all four premiums on time, then your Fund Value is the sum of all four NIP Values associated with each of your premiums. NIP Guaranteed Value NIP Guaranteed Value is the minimum value that we guarantee on a particular NIP at maturity. NIP Guaranteed Value is: • For 5-Pay option – Higher of Special NIP Guaranteed Value (explained below) OR The highest NIP Value achieved during the first 7 policy years • For Single Pay option – Highest NIP value achieved during the first 7 policy years Guaranteed Minimum Maturity Benefit Guaranteed Minimum Maturity Benefit is 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.

The Unique Foresight Advantage – Only for the 5-Pay option

Special NIP Guaranteed Value Special NIP Guaranteed Value is applicable only to 5-Pay option. Special NIP Guaranteed Value is determined at the end of the 5th policy year for each NIP invested in this plan. Special NIP Guaranteed Value ensures that you enjoy the benefit of market movements for each NIP. It is the sum of two components, as described under (a) and (b) below. i This component gives you the advantage of investing on the best day possible during the policy year in which the NIP was invested. This is calculated as: NIP X (the NIP Value as of the end of the 5th policy year) (the lowest NIP Value recorded during the policy year in which the NIP was invested) For example, NIP for year 2 premium (a) = Rs.1,00,000 NIP at the end of 5th year (b) = Rs.1,50,000 Lowest NIP value in the year invested (c) = Rs.80,000 Therefore, the value of the first component = 1,00,000 x (1,50,000/80,000) = 1,87,500 ii This component helps you to lock-in the gains made by giving you the highest NIP Value achieved during the first 5 policy years. This is calculated as: (Highest NIP value achieved during the first 5 policy years) – (NIP value at the end of the 5th policy year) For example, NIP for year 2 premium (x) = Rs.1,00,000 NIP Value at the end of 5th year (y) = Rs.1,50,000 Highest NIP Value during the 5 years (z) = Rs.1,62,5000 Therefore , the value of second component = 1,62,500 – 1,50,000 = 12,500 Adding the two components, we get special NIP Guaranteed Value = 187,500 + 12,500 = 200,000. As mentioned earlier, the NIP Guaranteed Value will be the higher of Special NIP Guaranteed Value, as calculated above, and the highest NIP Value achieved during the first 7 policy years.

Benefits of BSLI Foresight Plan

1 Maturity Benefit You will receive no less than the Guaranteed Minimum Maturity Benefit, as described earlier, if you opt for the Guaranteed Option. You will receive the Fund Value at maturity, if you are invested in the Self-Managed Option at that time. 2 Death Benefit In case of the unfortunate death of the life insured prior to maturity, the nominee will receive the Basic Sum Assured plus the Fund Value as of the date of intimation of death. The Death Benefit shall never be less than 105% of total premiums paid to date (excluding any applicable underwriting extras). Any partial withdrawals made will reduce the Death Benefit by the amount of withdrawal. 3 Surrender Benefit In case you require funds to meet any exigency, you can surrender your policy after the completion of five policy years, and receive the Fund Value at that time, plus refund of mortality charges for the remaining term to maturity. 4 Partial Withdrawals You can make unlimited partial withdrawals to meet any financial emergencies 5 Policy Loans You can meet your financial needs by availing of a loan on your policy.

BSLI Vision Plan

BSLI Vision

You have always wanted a plan that enables you to meet your financial goals and also gives you financial security over your entire lifetime. Presenting BSLI Vision - a plan that gives you a lump sum payout on the date of your choice and a life cover up to the age of 100 years. What’s more, you only pay premiums for a limited number of years while you enjoy your life cover up to the age of 100 years.

This plan offers you:

Payout on the date of your choice Whole Life Cover Options to enhance your protection

How BSLI Vision plan works:

You choose the Sum Assured which is the amount of life insurance cover up to the age of 100 years. You choose a Guaranteed Survival Benefit (GSB) Term based on the number of years after which you would like to receive your payout. This term is also the accumulation phase of your plan, i.e. the number years for which you would have to pay premiums. You choose from our range of riders, to enhance the financial security of your family. Based on your above choices, you will receive a host of benefits as below: Guaranteed Survival benefit At the end of the GSB Term, you will receive a fixed payout known as the Guaranteed Survival Benefit. Along with the Guaranteed Survival Benefit, you will receive Monthly Additions and Enhancement to monthly additions. Please read further to know more about Monthly Additions. Guaranteed Death Benefit In the unfortunate event of the death of the life insured during the policy term, the nominee will receive the Sum Assured as the Death Benefit. Guaranteed Maturity Benefit In the event that the life insured survives to the end of the policy term, you will receive the Sum Assured as the Guaranteed Maturity Benefit. Monthly Additions At the beginning of each policy year, your policy will be assigned the latest Monthly Addition Rate declared by us, provided all due premiums have been paid in full. Once this Monthly Addition Rate is assigned to your policy, it will be guaranteed for the next 12 months, and used to calculate your Monthly Additions during the upcoming policy year. We will be declaring new Monthly Addition Rates on April 1st of every calendar year. Please ask you financial advisor for the Monthly Addition Rate currently applicable on your policy. The currently declared Monthly Addition Rates are as follows (annual rate per 1000 of Sum Assured): GSB Term 5 to 10 Years 11 to 15 Years 16 to 20 Years 21+ Years Currently Declared 39.0 39.0 41.4 45.0 Enhancements to Monthly Additions If your GSB term is more than 21 years and if Monthly Additions have been accrued for more than 21 policy years, the accrued Monthly Additions payable as a Death Benefit or a Survival Benefit shall be enhanced by the following percentage: Sum Assured Band Band 1 Band 2 Band 3 Band 4 Sum Assured (Rs.) 100,000 to 199,999 200,000 to 399,999 400,000 to 799,999 800,000 + For Each Policy Year Exceeding 21 2.50% 5.00% 6.25% 6.75% Benefits of Monthly Additions Monthly Additions enhance your Survival Benefit and Death Benefit. At the end of the GSB term, you receive a Survival benefit, which includes the Guaranteed Survival benefit; plus Monthly Additions accrued till date; plus Enhancements to Monthly Additions, if any. In the unfortunate event of the death of the life insured during the GSB term, the nominee will receive the Death Benefit which includes the Guaranteed Death Benefit; plus Monthly Additions accrued till date; plus Enhancements to Monthly Additions, if any. Policy Loans 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.

Choose from the following Rider options to enhance your financial security

BSLI Accidental Death and Disability Rider (UIN: 109C018V01)

BSLI Critical Illness Rider (UIN: 109C019V01)

BSLI Surgical Care Rider (UIN: 109C015V01)

BSLI Hospital Care Rider (UIN: 109C016V01)

BSLI Waiver of Premium Rider (UIN: 109C017V01)

For details on the above riders, please contact your financial advisor.

Plan Summary

Entry Age (age last birthday) : 1 to 65 years Policy Term : Whole Life to Age 100 Minimum Sum Assured : Rs. 1,00,000 GSB Term : 5 to 35 years Minimum GSB Term : Attained Age at GSB Term is 18 years or more Maximum GSB Term : Attained Age at GSB Term is 75 years or less Premium Paying Term : Regular Pay during the GSB Term

BSLI Dream Child Plan

BSLI Dream Child Plan - a plan that gives you a Guaranteed Savings Amount on the date of your choice to fulfill your child's dreams and a range of options to enhance the financial security of your loved ones.

This plan offers you:

Guaranteed Savings Amount on date of your choice Joint life cover for you and your child Enhanced financial security for your loved ones

How BSLI Dream Child Plan works:

You choose the Guaranteed Savings Date that suits your objectives. Your Guaranteed Savings Date is the policy anniversary when your child's attained age is from 18 to 27 years, subject to a minimum of 10 policy years. Your Policy Term will be your Guaranteed Savings Date + 20 years. You decide the Basic Premium you want to pay every year. You will receive Basic Sum Assured which is the minimum death benefit payable on the demise of the primary life insured. The Basic Sum Assured is automatically determined as your Basic Premium multiplied by: The higher of 10 or the number of years to maturity divided by 2, for entry ages below 45; or The higher of 7 or the number of years to maturity divided by 4, for entry ages 45 and above You have an option to choose an Enhanced Sum Assured to increase the financial security for your loved ones. With this option you can choose any amount of additional life cover over and above the Basic Sum Assured at a nominal cost. You have an option to choose from our range of riders to further customise the financial security of your loved ones.

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

Maturity Benefit: You will receive the Fund Value at maturity. Death Benefit: In case of the unfortunate demise of the primary life insured during the policy term, the beneficiary will receive the Basic Sum Assured. The policy will continue as long as the secondary life insured is alive. Prior to the Guaranteed Savings Date: In case of the unfortunate demise of the primary life insured (grand / parent), we will pay the Basic Sum Assured plus Enhanced Sum Assured, if any and all future Basic Premiums, in monthly installments starting from the next policy month In case of the unfortunate demise of the secondary life insured (child), we will terminate the policy on the Guaranteed Savings Date and pay the Fund Value as on that date In case of the last unfortunate demise of either the primary or secondary life insured, we will terminate the policy and pay the Fund Value plus the commuted value of all future Basic Premiums that are being paid by us Starting from the Guaranteed Savings Date: In case of the unfortunate demise of the primary life insured (child), we will pay the Basic Sum Assured In case of the last unfortunate demise of the primary or secondary life insured, we will terminate the policy and pay the Fund Value Enhanced Sum Assured: Based on your needs you can increase the life cover over and above the Basic Sum Assured by opting for the Enhanced Sum Assured at inception. You can choose any amount of Enhanced Sum Assured, subject to a minimum of Rs. 50,000 and not exceeding Basic Sum Assured. Joint Life Benefit: This is a joint life insurance policy where the grand / parent is the primary life insured and the child is the secondary life insured. On the Guaranteed Savings Date, the child becomes the primary life insured and the grand / parent becomes the secondary life insured. Surrender Benefit: In case of emergency fund requirements, you can surrender your policy after the completion of five policy years, and receive the Fund Value at that time. Guaranteed Additions: Your policy enjoys a boost in the form of additional units. For more details on the guaranteed additions, please contact your financial advisors or refer to our brochure. Partial Withdrawals: You can make unlimited partial withdrawals to meet any financial emergencies any time after (a) five complete policy years or (b) secondary life insured attaining the age of 18, whichever is later. Policy Loans: You can also avail loans on your policy.

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

Critical Illness Rider: On diagnosis of any of the four illnesses - Heart Attack, Cancer, Major Organ Transplant and Stroke, you will receive upto 100% of the Rider Sum Assured.

Accidental Death and Disability Rider: In the event of death due to an accident, your nominee will receive the chosen Rider Sum Assured up to a maximum of Rs.50,00,000. In the event of disability due to an accident you will receive a fixed percentage of the Rider Sum Assured, depending on the type of injury.

Hospital Care Rider: In the event that you are hospitalised for treatment, you will receive Daily Cash Benefit to take care of your expenses. In case you are treated in an Intensive Care Unit you will receive an Enhanced Daily Cash Benefit. To help you cover your recuperation expenses, you will be paid a lump sum amount, in case you are hospitalised for more than seven days for the same disease.

Surgical Care Rider: In case you are hospitalised to undergo a surgery you will be paid a lump sum amount to cover your expenses.

Entry Age - Grand/Parent- Child 18 - 65 years, provided age on Guaranteed Savings Date is 75 or less 30 days - 17 years Guaranteed Savings Date Child's age 18 - 27, subject to minimum of 10 policy years Policy Term Guaranteed Savings Date + 20 years Basic Premium Minimum Rs. 12,000 p.a. if paid annually Minimum Rs. 15,000 p.a. if paid semi-annually Minimum Rs. 20,000 p.a. if paid quarterly Minimum Rs. 24,000 p.a. if paid monthly Pay Term Years to Guaranteed Savings Date Enhanced Sum Assured Minimum Rs. 50,000 Not exceeding Basic Sum Assured

BSLI Classic Child Plan

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.

This plan offers you:

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

How BSLI Classic Child Plan works:

You choose the Savings Date that suits your financial goals for your child. Your Policy Term will be the Savings Date + 20 years. You choose the Basic Premium you want to pay every year. You will receive Basic Sum Assured which is the minimum death benefit payable on the demise of the primary life insured. The Basic Sum Assured is automatically determined as your Basic Premium multiplied by: The higher of 10 or the number of years to maturity divided by 2, for entry ages below 45; or The higher of 7 or the number of years to maturity divided by 4, for entry ages 45 and above You have an option to choose an Enhanced Sum Assured and increase the financial security for your child's future. With this option you can choose any amount of additional life cover over and above the Basic Sum Assured at a nominal cost. You have an option to choose from our range of riders and customise your family's future financial security.

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

Maturity Benefit: You will receive the Fund Value at maturity. Death Benefit: In case of the unfortunate demise of the primary life insured while the policy is in effect, we will pay to the beneficiary the Basic Sum Assured. The policy will continue as long as the secondary life insured is alive. Prior to the Savings Date: In case of the unfortunate demise of the primary life insured (grand / parent), we will pay the Basic Sum Assured plus Enhanced Sum Assured, if any, and all future Basic Premiums in monthly installments starting from the next policy month In case of the unfortunate demise of the secondary life insured (child), we will terminate the policy on the Savings Date and pay the Fund Value as on that date In case of the unfortunate demise of the secondary life insured (child), we will terminate the policy on the Savings Date and pay the Fund Value as on that date Starting from the Savings Date: In case of the unfortunate demise of the primary life insured (child), we will pay the Basic Sum Assured In case of the last unfortunate demise of the primary or secondary life insured, we will terminate the policy and pay the Fund Value Enhanced Sum Assured: Based on your needs you can increase the life cover over and above the Basic sum Assured by opting for the Enhanced Sum Assured at inception. You can choose any amount of Enhanced Sum Assured, subject to a minimum of Rs. 50,000 and not exceeding Basic Sum Assured. Joint Life Benefit: This is a joint life insurance policy where the grand/parent is the primary life insured and the child is the secondary life insured. On the Savings Date, the child becomes the primary life insured and the grand / parent becomes the secondary life insured. Surrender Benefit: In case of emergency fund requirements, you can surrender your policy after the completion of five policy years, and receive the Fund Value at that time. Prior to Savings Date, in situations where the primary life insured (grand / parent) is dead, the secondary life insured (child) can surrender the policy anytime after attaining age 18. 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. The minimum top-up premium is Rs. 5,000 and your Basic Sum Assured will be automatically increased. For more details please refer to our brochure. Guaranteed Additions: Your policy enjoys a boost in form of additional units. For more details on the guaranteed additions, please contact your financial advisors or refer to our brochure. Partial Withdrawals: You can make unlimited partial withdrawals to meet any financial emergencies any time after (a) five complete policy years or (b) secondary life insured attaining the age of 18, whichever is later. Policy Loans: You can also avail loans on your policy.

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

The Self-Managed Option gives you complete access to invest your premiums in our well established suite of 10 investment funds, ranging from 100% debt to 100% equity. You also enjoy full freedom to switch from one investment fund to another, as per your changing requirements.

• Choose from our range of 10 Investment Funds, to suit your risk appetite • Allocate your savings the proportion of your choice • Change your allocations as per your changing requirements

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

Critical Illness Rider: On diagnosis of any of the four illnesses - Heart Attack, Cancer, Major Organ Transplant and Stroke, you will receive upto 100% of the Rider Sum Assured.

Accidental Death and Disability Rider: In the event of death due to an accident, your nominee will receive the chosen Rider Sum Assured up to a maximum of Rs. 50,00,000. In the event of disability due to an accident you will receive a fixed percentage of the Rider Sum Assured, depending on the type of injury.

Hospital Care Rider: In the event that you are hospitalised for treatment, you will receive Daily Cash Benefit to take care of your expenses. In case you are treated in an Intensive Care Unit you will receive an Enhanced Daily Cash Benefit. To help you cover your recuperation expenses, you will be paid a lump sum amount, in case you are hospitalised for more than seven days for the same disease.

Surgical Care Rider: In case you are hospitalised to undergo a surgery you will be paid a lump sum amount to cover your expenses.

Plan Summary

Entry Age – Grand/Parent – Child 18 – 65 years, provided age on Savings Date is 75 or less 30 days – 17 years Savings Date Child’s age 18 – 27, subject to minimum of 10 policy years Policy Term Savings Date + 20 years Basic Premium Minimum Rs. 25,000 p.a. if paid annually Minimum Rs. 30,000 p.a. if paid monthly, quarterly or semi-annually Pay Term Years to Savings Date Top-up Premium Minimum Rs. 5,000 Enhanced Sum Assured Minimum Rs. 50,000 Not exceeding Basic Sum Assured

BSLI Rainbow Plan

BSLI Rainbow insurance plan that gives you a guaranteed return on maturity that is tax free and the financial security of a life cover.

How Does the BSLI Rainbow work

You choose the single premium amount you want to invest You choose the policy term from options of 5 years and 10 years Your Benefits

Your Benefits

Maturity Benefit: You will receive a guaranteed amount on maturity. Your maturity benefit is equal to Maturity Sum Assured; plus All Guaranteed Monthly Additions earned to date; plus Guaranteed Final Addition Please ask you financial advisor for the Maturity Amount applicable to you Death Benefit: In the unfortunate event of death of the life insured, the nominee shall receive the Basic Sum Assured. The Basic Sum Assured is 5 times the single premium amount Surrender Benefit: In case of emergency fund requirements, you can surrender your policy anytime after 1st policy year and receive 90% of the Maturity Sum Assured; plus Guaranteed Monthly Additions earned to date Policy Loans: You can also avail loans on your policy. Tax Benefits: You will also be eligible for tax benefits as per the extant laws.

Earn Guaranteed Monthly Additions and a Guaranteed Final Addition

Guaranteed Monthly Additions

At the end of every month you will earn Guaranteed Monthly Addition. Your Guaranteed Monthly Addition is calculated as:

Guaranteed Monthly Addition Rate x Maturity Sum Assured/1000

Please ask your financial advisor for the Guaranteed Monthly Addition Rates applicable to you.

Guaranteed Final Addition

We reward you for your loyalty with a Guaranteed Final Addition on maturity.

Policy Term Guaranteed Final Addition 5 years 6 Guaranteed Monthly Additions 10 years 12 Guaranteed Monthly Additions

Illustration of Benefits

Entry Age : 30 years Policy Term : 10 years Single Premium : Rs. 1,00,000 Basic Sum Assured : Rs. 5,00,000 Maturity Sum Assured : Rs. 92,630 Guaranteed Monthly Addition : Rs. 685 Guaranteed Final Addition< : Rs. 8,226 Maturity Benefit : Rs. 1,83,111

The above are illu strative value for healthy male, assuming Guaranteed Monthly Addition Rate of 7.40 per 1000 Maturity Sum Assured

Plan Summary

Entry Age 8 – 60 years, subject to minimum attained age of 18 at maturity Policy Term 5 or 10 years Pay Term Single pay Single Premium Minimum Rs. 50,000 Basic Sum Assured 5 times Single Premium

BSLI Platinum Advantage Plan

BSLI Platinum Advantage Plan

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.

This plan offers you:

A 10-year plan with a 5-year Pay Term Option to enhance the financial security for your loved ones Complete control on your investments

How BSLI Platinum Advantage Plan works:

1. You choose the Basic Premium you want to pay annually for 5 years 2. You choose your Investment Option from Self-managed Option or Guaranteed Option 3. You choose the Enhanced Sum Assured and increase the financial protection of your loved ones 4. You choose from our range of riders and safeguard your family's financial future

Your Investment Options

Self-Managed Option:The Self-Managed Option gives you complete access to invest your premiums in our well established suite of 10 Investment Funds, ranging from 100% debt to 100% equity. You also enjoy full freedom to switch from one Investment Fund to another, as per your changing requirements.

Choose from our range of 10 Investment Funds, to suit your risk appetite Allocate your savings the proportion of your choice Change your allocations as per your changing requirements

Guaranteed Option: The Guaranteed Option allows you to invest your first three annual premiums in our Platinum Advantage Fund. This Fund comes with a guarantee of the highest unit price recorded on a daily basis over 7 years. It offers optimal participation in capital market growth, while safeguarding your investments and any gains thereon. We open a new Platinum Advantage Fund from time to time and your policy will participate in the latest Platinum Advantage Fund open for new business when your policy is issued. For more details please refer to our product brochure or speak to your financial advisor.

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

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 .

Death Benefit: In the unfortunate event of the death of the life insured prior to maturity, we will pay to the nominee the greater of (a) the Fund Value as on date of intimation of death or (b) the Basic Sum Assured reduced for partial withdrawals as follows

Before the life insured attains the age of 60, the Basic Sum Assured payable on death is reduced by partial withdrawals made in the preceding two years

Once the life insured attains the age of 60, the Basic Sum Assured payable on death is reduced by all partial withdrawals made from age 58 onwards

In addition we will also pay the Enhanced Sum Assured, if any.

Death benefit shall never be less than 105% of total premiums paid to date (excluding any applicable rider premium and/or underwriting extras) less any previous partial withdrawals.

Surrender Benefit: In case of emergency fund requirements, you can surrender your policy after the completion of five policy years, and receive the Fund Value at that time.

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, as long as all due policy premiums have been paid.In case of Guaranteed Option, you are allowed to Top-up your investment after first 3 policy years.

Partial withdrawals:You can make unlimited partial withdrawals to meet any financial emergencies.

Policy Loans: You can meet your financial needs by availing of a loan on your policy

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

Critical Illness Rider:On diagnosis any of the four illnesses - Heart Attack, Cancer, Major Organ Transplant and Stroke, you will receive upto 100% of the Rider Sum Assured.

Accidental Death and Disability Rider:In the event of death due to an accident, your nominee will receive the chosen Rider Sum Assured up to a maximum of Rs. 50,00,000. In the event of disability due to an accident, you will receive a fixed percentage of the Rider Sum Assured, depending on the type of injury.

Hospital Care Rider:In the event that you are hospitalised for treatment, you will receive Daily Cash Benefit to take care of your expenses. In case you are treated in an Intensive Care Unit, you will receive an enhanced Daily Cash Benefit. To help you cover your recuperation expenses, you will be paid a lump sum amount, in case you are hospitalised for more than seven days for the same disease.

Surgical Care Rider:In case you are hospitalised to undergo a surgery, you will be paid a lump sum amount to cover your expenses.

Waiver of Premium Rider:In case life insured / policyholder is unable to pay the policy premiums due to a disability, critical illness or an untimely demise, all future premiums of the base plan and the attached riders will be paid by BSLI and all policy benefits will continue.

For more details on any of the riders mentioned above, please consult your BSLI financial advisor or refer to the rider brochure.

Plan Summary

Entry Age of Life Insured 8 to 70 years of age Policy Term 10 years Pay Term 5 years Basic Premium Minimum Rs. 25,000 p.a. if paid annually Minimum Rs. 30,000 p.a. if paid monthly, quarterly or semi-annually Premium Payment Frequency Monthly, Quarterly, Semi-annually or Annually Basic Sum Assured 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 Entry Age 18 to 65 years