Birla Sun Life Insurance Platinum Advantage Plan. Birla Sun Life Insurance Company Limited

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1 Birla Sun Life Insurance Platinum Advantage Plan

2 Investment risk in the investment portfolio is borne by the policyholder. The premiums paid in Unit Linked 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 policyholder is responsible for his or her decision. Birla Sun Life Insurance Guaranteed Option and Self- Managed Option Income Advantage, Assure, Protector, Builder, Enhancer, Creator, Magnifier, Maximiser, Multiplier, Super 20 and Platinum Advantage are only the names of the Company Policy Investment Options Investment Funds respectively and do not in any way indicate the quality thereof 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 2

3 unit linked non participating life insurance plan apt for a volatile market providing a perfect blend of guarantee, flexibility and liquidity. just select an investment option to suit your requirement. 3

4 Features Platinum Premier (Withdrawn) Platinum Advantage (New) Pay Term Sum Assured 10 years Minimum: 5 x AP Maximum: Unlimited 5 years Fixed: Up to 45 years - 10 x BP 45 years & above - 7 X BP Option of Enhanced Sum Assured Top-Up Premium Partial Withdrawal Benefits Capped at 25% of all policy premiums till date. Completion of 3 policy years Unlimited, Sum Assured increase by Entry age < 45 : 125% Entry age => 45 : 110% Completion of 5 policy years Death Benefit Policy Loan Added Protection Higher (Fund Value, Sum Assured) - - Higher (Fund Value, Sum Assured) + Enhanced Sum Assured, if any Available Riders: Accidental Death & Disability Critical Illness Surgical Care Hospital Care Waiver of Premium 4

5 Charges Platinum Premier (Withdrawn) Platinum Advantage (New) Premium Allocation Policy Administration 1 st year 2 nd year 3 rd year+ : 10.00% : 5.00% : 5.00% Rs. 60 p.m % p.m. of AP in first 3 years only 1 st year 2 nd year 3 rd year+ Year 1 to 5 Year 6+ : 7.50% : 6.50% : 5.00% : Rs. 20 p.m. : Rs. 25 p.m. 5% p.a. thereafter Surrender Charge Less than 3 years 3 to less than 4 4 to less than 5 5+ : 40% of AP : 20% of AP : 10% of AP : Nil Years 1 to 5 : Not Applicable 6+ : Nil 5

6 - Platinum - Advantage - Investment Options - Benefits Entry Age of Life Insured Policy Term Pay Term Premium Paying Frequency Basic Premium Basic Sum Assured Investment Option Top-up Premium Partial Withdrawals 8 to 70 years 10 years 5 years Annual, Semi-annual, Quarterly and Monthly Min. Rs. 25,000 p.a. if paid annually Min. Rs. 30,000 p.a. if paid semi-annually, quarterly or monthly* Up to 45 years - 10 x Basic Premium 45 years & above - 7 X Basic Premium Self-Managed and Guaranteed Allowed (any time for Self-Managed Option) Allowed (after 3 years for Guaranteed Option Allowed (after 5 years) *Monthly ECS and Salary deduction Quarterly installments ECS only ECS includes standing instruction, direct debit and other automated payment modes 6

7 - Platinum - Advantage - Investment Options - Benefits Enhanced Sum Assured Riders Min. Amount Rs. 50,000 Entry Age Term Accidental Death and Disability Critical Illness 18 to 65 years 10 years Rider Sum Assured in the event of accidental death and percentage of Sum Assured in the event of any disability Rider Sum Assured for illnesses including Heart Attack, Cancer, Stroke or Major Organ Transplant Rs. 75,000 to Rs. 50 lacs Hospital Care Daily Cash Benefit, ICU Benefit and Recuperating Benefit Rs. 1.5 lacs Major Surgery that directly involves brain, liver, lung or heart to Surgical Care (including coronary arteries) and Other Surgery Rs. 15 lacs Waiver of Premium In the event of TPD/CI/Death, all future premiums of the base plan and attached riders will be waived off Option to increase protection substantially by paying a small premium Option available only at inception Enhanced SA Premiums and Rider Premiums invested along with the Basic Premium 7

8 - Platinum - Advantage - Investment Options - Benefits Guaranteed Option Premiums for the first 3 years are invested solely in the Platinum Advantage Fund New generation investment fund with a Guaranteed Unit Price employing proprietary and sophisticated investment techniques Series of fund launched from time to time Each series starts with a unit price of 10 Premiums from 4 th year onwards will be invested under the Self-Managed Option Self-Managed Option Based on the allocation percentage chosen, all premiums will be invested across 10 investment funds No premiums will go in Guaranteed Option anytime during policy term Option to select out of 10 investment funds ranging from 100% debt to 100% equity Flexibility to change the allocation percentage Switching allowed within the 10 investment funds 8

9 - Platinum - Advantage - Investment Options - Benefits Death Benefit Higher of [Basic Sum Assured or Fund Value] plus Enhanced Sum Assured, if any In case of any partial withdrawals the Basic Sum Assured is reduced as (a) (b) 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 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 Fund Value at the time, after completion of 5 policy years Maturity Benefit Fund Value If a policyholder has opted for Guaranteed Option, then the maturity benefit shall be: Fund value corresponding to fund/s selected from the Self-Managed Option; plus Number of units in Platinum Advantage Fund x Higher of (Guaranteed Unit Price or Unit Price of Platinum Advantage Fund at maturity) GUP is the highest daily unit price recorded during first 7 years and 3 months 9

10 Premium Allocation Charge Policy year % of Basic Premium % of Top-up Premium Year Year % Year Fund Management Charge 1.00% p.a. for Income Advantage, Assure, Protector and Builder 1.25% p.a. for Enhancer and Creator 1.35% p.a. for Magnifier, Maximiser, Multiplier and Super % p.a. for Platinum Advantage (inclusive of 0.30% of investment guarantee) Policy Administration Charge Policy year Charge per month Year 1 5 Rs Year 6 Rs % p.a. thereafter 10

11 Mortality Charge Deducted monthly from the fund/s Depends on attained age and gender for Basic Sum Assured Depends on entry age and gender for Enhanced Sum Assured Miscellaneous Charge Rs. 50 per request for partial withdrawal, fund switching and premium re-direction Rs. 100 per request for policy revival 11

12 Premiums are to be paid during the Pay Term In case premiums are not paid the policy will be discontinued as shown in the process below Grace period: 30 days (15 days for monthly pay) BSLI to send a notice within 15 days Period of 30 days for the client to reply Revive Pay o/s premiums plus revival charges Reply No Reply Discontinue - Fund Value less discontinuance charge credited to Discontinued Policy Fund (DCF) - DCF earns min 3.5% p.a. and paid out at the end of 5 th policy years - post 5 years, Fund Value paid immediately Policy Discontinued For AP of Rs. 25,000 or more In Policy Year 1 Lower of 6% of AP, 6% of FV, Rs. 6,000 In Policy Year 2 Lower of 4% of AP, 4% of FV, Rs. 5,000 In Policy Year 3 Lower of 3% of AP, 3% of FV, Rs. 4,000 In Policy Year 4 Lower of 2% of AP, 2% of FV, Rs. 2,000 In Policy Year 5 Nil where AP is Annual Premium and FV is Fund Value 12

13 Partial Withdrawals Unlimited partial withdrawals after 5 policy years or life insured attaining age 18, whichever is later Min. Rs. 5,000 Max. excess over Fund Value of Rs. 25,000 plus top-up premiums in last 5 years Policy Loans Min. Rs. 5,000 Max. 40% of Fund Value net of any discontinuance charge Interest rate will be declared from time to time Benefit amount payable on exits will be reduced by any outstanding policy loan at that time Top-Up Premiums Min. Rs. 5,000 Basic Sum Assured will increase by (a) 125% if the attained age of the life insured is less than 45 years; or (b) 110% if the attained age of the life insured is 45 years or more Not allowed 5 years before maturity Not allowed in the first 3 years if Guaranteed Option is chosen 13

14 Thank You

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