How To Pay Out Of Pocket On A Unit Linked Life Insurance Plan
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1 Birla Sun Life Insurance Dream Endowment Plan Copyright 2008
2 Investment risk in the investment portfolio is borne by the policy holder. The premiums paid in Unit Linked Life Insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of the fund and factors influencing the capital market and the policy owner is responsible for his or her decision. Birla Sun Life Insurance, and Enhancer are only the names of the Company, Policy and the Investment Fund respectively and do not in any way indicate the quality of the Policy, Investment Fund 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 Copyright 2008
3 Commissions Unit linked non participating life insurance plan offering the guaranteed amount on the client s chosen date a chance to increase savings through guaranteed additions starting from the 10 th policy year plus option of enhanced life cover & rider benefits at nominal cost 3 Copyright 2008
4 Dream Solutions (Withdrawn) Basic Premium Guaranteed Option Enhanced SA Premium Enhanced Savings Premium Self-Managed Option Endowment Child Retirement 4 Copyright 2008
5 Dream Solutions (Withdrawn) Guaranteed Option Dream Plans (New) Base Plan Enhanced Sum Assured Self-Managed Option Classic Plans (New) Base Plan Enhanced Sum Assured Top-ups Endowment Retirement t Child 5 Copyright 2008
6 Policy Term 10, 15, 20, 25 and 30 years Guaranteed Savings Date (GSD) Same as policy term Entry Age 1 65 years; subject to a min. age of 18 years on GSD Basic Premium Payment Mode Min. Basic Premium Annual Rs. 12,000 Semi-annual Rs. 15,000 Quarterly Rs. 20,000 Monthly Rs. 24,000 Pay Term Regular Pay To GSD Short Pay Up to age 5 years 10 years 50 years 55 years 15 years 60 years 20 years 65 years Based on the above choices, ces, entry age and gender of the life insured the Guaranteed a Savings Amount is determined 6 Copyright 2008
7 Basic Sum Assured is Basic Premium multiplied by higher of [10 or Policy Term/2] for entry ages below 45; or higher of [7 or Policy Term/4] for entry ages 45 and above Enhanced Sum Assured (optional) Option to increase protection substantially by paying a small premium Option available only at inception Payable on death only, prior to your Guaranteed Savings Date Min. Amount Rs. 50, Entry Age Term 18 to 65 years, max. age on GSD: 75 years Till Guaranteed Savings Date Basic Premiums & Enhanced SA Premiums invested under sole investment fund Enhancer 7 Copyright 2008
8 Guaranteed Additions 10 th policy anniversary and on every 5 th policy anniversary thereafter. Guaranteed Addition is 2.50% of the Basic Premiums paid in the last 60 months 11 th policy anniversary and every policy anniversary thereafter. Guaranteed Addition is 0.25% of the average Fund Value in the last 12 months Death Benefit Basic Sum Assured; plus Fund Value; plus 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 Fund Value at the time, after completion of 5 policy years 8 Copyright 2008
9 Maturity Benefit Higher of the Fund Value or Guaranteed Savings Fund at maturity Guaranteed Savings Fund Accumulation at 3% p.a. of all Basic Premiums (net of investment guarantee charge and premium allocation charge) and Enhanced SA Premiums paid till date less policy charges Guaranteed to be at least equal to Guaranteed Savings Amount provided all premiums are paid when due and there are no partial withdrawals from the Fund Value Guaranteed Savings Amount Based on client s choices Determined at inception through AMS Minimum amount payable at maturity 9 Copyright 2008
10 Accidental Death and Disability Rider Critical Illness Rider Hospital Care Rider Surgical Care Rider Waiver of Premium Rider Rider premium will be invested in the sole investment fund - Enhancer 10 Copyright 2008
11 Investment Guarantee Charge 2.00% deducted from Basic Premium before investment Premium Allocation Charge Policy year % of Basic Premium Year Year Year Fund Management Charge 1.25% p.a. for Enhancer 11 Copyright 2008
12 Policy Administration Charge Policy year Charge per month Year 1 5 Rs Year 6 Rs % p.a. thereafter Mortality Charge Charge for Basic Sum Assured depends on the gender and the attained age of the life insured Charge for the Enhanced Sum Assured will depend on the Guaranteed Savings Date, gender and entry age of the life insured Miscellaneous Charge Partial Withdrawal Rs. 50 Policy Revival Rs Copyright 2008
13 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 Reply No Reply Revive Pay o/s premiums plus revival charges 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 13 Copyright 2008
14 Charge Policy Discontinued For AP less than Rs. 25,000 For AP of Rs. 25,000 or more In Policy Year 1 In Policy Year 2 In Policy Year 3 In Policy Year 4 Lower of 20% of AP or FV; subject to maximum of Rs. 3,000 Lower of 15% of AP or FV; subject to a maximum of Rs. 2,000 Lower of 6% of AP or FV; subject to a maximum of Rs. 6,000 Lower of 4% of AP or FV; subject to a maximum of Rs. 5,000 Lower of 3% of AP or FV; subject to a maximum of Rs. 4,000 Lower of 10% of AP or FV; subject to a L f 3% fap FV bj t t maximum of Rs. 1,500 Lower of 5% of AP or FV; subject to a maximum of Rs. 1,000 In Policy Year 5 Nil Nil where AP is Annual Premium and FV is Fund Value Lower of 2% of AP or FV; subject to a maximum of Rs. 2, Copyright 2008
15 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 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 15 Copyright 2008
16 Thank You Copyright 2008
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