BSLI receive ‘Business Continuity Management System’Certificate

Birla Sun Life Insurance receives BS 25999 Certification

~First life insurance company in India to achieve this distinction~

~Implies best practice for its ‘Business Continuity Management System’~
Mumbai, March 02, 2010:

First Life Insurance companies, has achieved the distinction of being the first and only Indian life insurance firm to receive a BS 25999 certification for its business continuity management system.

The certificate has been awarded by British Standard Institute (BSI),a leading certification body for BS25999 certification”

‘Business Continuity Management System’ through the use of consistent processes, metrics and methodologies enables the companies to provide a secure environment for delivering high-quality services to its clients. Towards this, BSLI has always focused on best business practices across allfacets of its business with the objective of delivering superior value to its customers.

Speaking on the occasion, Mayank Bathwal, Chief Financial Officer, Birla Sun Life Insurance said “Business Continuity Management has always been an integral part of BSLI’s business strategy towards helping the company meet its strategic, operational, contractual, legal and client commitments.

The company has always laid significant emphasis on building these robust processes towards creating an organisation that is equipped to meet customers’ long-term financial needs, with us”.

He further adds “We are delighted to be adjudged the first BS25999 certified insurance company in India.

The BS 25999 certification is an indicator of the quality of the business continuity management system we have put in place to continue providing services to our clients when faced with business disruptions. Achievements of this nature, further motivate us to put forth stronger security control measures to secure customers’ investments and their faith in us”

Birla Sun Life Insurance Company (BSLI), one of India’s leading life.

BSLI Bachat (Endowment) Plan

BSLI Bachat (Endowment) Plan we understand that while you are working to provide for your family you also want to save for your future. You want to be able to provide for your child’s education, to buy a house or other needs in the future.

How can you provide for these?

Save regularly over 10 – 15 years Small affordable saving amounts Have Safety and liquidity of savings Financial security for your family’s future

How do various investment avenues help you save for your goal?

There are a range of investment avenues available, but you need to identify and pick the one that suits your needs. Here’s a quick look at what few investment avenues can offer you:

Safety Small Savings Liquidity Life Cover Bank Fixed Deposits Yes Yes No No Public Provident Fund Yes Yes No No Post Office Time Deposits Yes Yes No No National Savings Certificates Yes Yes No No BSLI Bachat (Endowment) Plan Yes Yes Yes Yes

BSLI Bachat (Endowment) Plan is a regular savings plan that provides you a lump sum and life protection.

Here’s how BSLI Bachat (Endowment) Plan works:

What you choose: What you receive: Convenient base premium amount: Band 1: Rs. 400 – Rs. 599 per month Band 2: Rs. 600 – Rs. 899 per month Band 3: Rs. 900 and above Life cover to financially secure your family Premium Rebates: Annual = 4% Semi-Annual = 2% On Maturity, you get a lump sum which can be used for your goals Liquidity of savings so you can access your money any time Option to double life cover for a nominal additional premium for enhanced financial security

What are your benefits with BSLI Bachat (Endowment) Plan?

Maturity Benefit: On maturity, you will receive: All Monthly Base Premiums paid + All Bachat Additions earned + Loyalty Addition

Death Benefit: In the unfortunate event of death, the nominee will receive: All Monthly Base Premiums paid (or Sum Assured, if higher) + All Bachat Additions earned + Loyalty Addition

Surrender Benefit: On surrender, you will 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%

Here’s how your Surrender Benefit works:

Let’s take a look at the surrender benefits under different premium bands, assuming that the premium are paid annually and earn 4% rebate:

Band I II III MBP Range (in Rs.) 400 to 599 600 to 899 900 + Bachat Addition Rate 5.00% 5.25% 5.50% MBP chosen by you 500 750 1,000 MBP x 12 6,000 9,000 12,000 Annual Premium paid by you 5,760 8,640 11,520 Surrender Benefit After 10 years 70,500 106,988 144,300 After 15 years 130,800 200,561 273,336 After 20 years 216,075 333,923 458,642 Surrender Benefit / Total Premiums Paid After 10 years 122% 124% 125% After 15 years 151% 155% 158% After 20 years 188% 193% 199%

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.

Plan Summary

Age at Entry: 30 days – 60 years Policy Term: 20 years Premium Pay Term: 20 years Monthly Base Premium: Rs. 400 – Rs. 5,000 Sum Assured: Upto 180 times Monthly Base Premium

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

Now you can build a corpus through regular systematic savings through additions every year at maturity. Bachat (Endowment) Plan, ensure and protect your family’s dreams and aspirations by saving as little as Rs. 400 per month.

BSLI Dream Child Plan

Birla Sunlife Dream Child Plan, a plan that gives you the confidence and freedom to keep pace with the ever changing world of your dreams for your child.

The Guaranteed Savings Date
BSLI Dream Child Plan guarantees that you receive no less than the chosen Basic Sum Assured on the Guaranteed Savings Date.
Your Guaranteed Savings Fund will continue to grow at a minimum rate
of 3% per annum less policy charges and less any partial withdrawals.
All Basic Premiums, net of an investment guarantee charge, paid by you are invested in the Enhancer Fund.

Enhancing Your Benefits
You may wish to enhance your financial security by choosing Enhanced Sum Assured. The Enhanced SA Premium as applicable will be invested, net of investment guarantee charge, in the Enhancer Fund thus augmenting your Basic Fund Value. You may also opt for Enhanced Savings Premiums, which increases your savings. The Enhanced Savings Premiums are invested under the Self- Managed Option in our range of ten well established investment funds ranging from 100% debt to 100% equity to suit your particular need and risk appetite - Income Advantage, Assure, Protector, Builder, Enhancer, Creator, Magnifier, Maximiser, Multiplier and Super 20. You will retain the freedom to reallocate your investments and re-direct your future Enhanced Savings Premiums between these funds based on your choice.

The Joint Life Benefit
BSLI Dream Child Plan is designed as a joint life insurance plan. Under this plan you as the grand/ parent are the primary life insured and your child will be the secondary life insured. On the Guaranteed Savings Date, your child will become the primary life insured and will enjoy all the benefits under this plan for the rest of the policy term.

Guaranteed Additions Benefit
You will receive a Guaranteed Addition equal to 2% of your average Basic Fund Value recorded in the last 60 months at the end of 10th year and every 5th year subsequent to that. These will be in the form of additional units allocated to your fund. In case you have chosen to augment your savings through Enhanced Savings Premium, the Guaranteed Additions will be paid on your Fund Value (Basic Fund Value plus Enhanced Fund Value).

Death Benefit
Prior to the Guaranteed Savings Date, upon the unfortunate demise of the primary life insured, the beneficiary will receive the Basic Sum Assured and the Enhanced Sum Assured, if chosen. Also, all future Basic Premiums adjusted for mortality charges will be paid by BSLI every month till the Guaranteed Savings Date. In case of demise of primary life insured after the Guaranteed Savings Date, the beneficiary will receive the Basic Sum Assured.

Maturity Benefit
On maturity you will receive the Basic Fund Value. In case you have
opted for Enhanced Savings Premium, then you will also receive Enhanced Fund Value.

Other Benefits
• Partial Withdrawals

You can make partial withdrawals, after you have completed three policy years, as long as your child has attained the age of 18 years, the minimum amount withdrawn is Rs. 5,000 and the balance amount left in your fund after the withdrawal is equal to at least one annual policy premium plus any surrender charges. The Basic Sum Assured will be reduced by the partial withdrawals made till the Guaranteed Savings Date.

• Surrender Benefits

You can surrender your policy and receive your Fund Value (Basic Fund Value plus Enhanced Fund Value if any) less applicable surrender charges. There are no surrender charges after the completion of 5 policy years. If you surrender the policy prior to the 3rd policy year, your surrender benefit will be kept constant and deferred for payment to the end of the 3rd policy year. In the event of the death of the primary life insured prior to the Guaranteed Savings Date, the secondary life insured can surrender the policy anytime after attaining age of 18 years.

Please go through our brochure to understand the surrender charges
in detail.

Plan Summary
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
Pay Term Years to Guaranteed Savings Date
Basic Sum Assured Minimum Rs. 2,00,000 ,
subject to minimum Basic Premium Rs. 8,000.
Enhanced Sum Assured Minimum Rs. 50,000
Enhanced Savings Premium Minimum Rs. 5,000