What would you like your money to do for you?

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1 What would you like your money to do for you? Birla Sun Life Insurance Money Back Plus Offers guaranteed amount, liquidity and an option to earn more

2 THE POWER OF GROWTH AND LIQUIDITY WITH ASSURANCE Your family comes first for you and so does their future. Your dreams for your family require strong financial planning. Your savings today may not be enough to power those dreams of tomorrow. Have you consider the risks associated with: Increasing costs of living: At an average inflation rate of 8% in twenty years, a litre of milk will cost Rs. 100, an overnight train journey will cost Rs. 800, a meal for two at your local restaurant will cost Rs and a medical check up may cost Rs Starting late with your savings plan: The difference between starting now and starting 5 years later could be as high as 60% more per year. This is assuming planning for 20 years vis-à-vis 15 years at an interest rate assumption of 6%. Not financially securing your plan early: With urban nuclear families replacing joint families, the social security network requires stronger financial support to cover for uncertainties of life to ensure that your family continues to live your dreams even without you. Not being able to access your own funds: Many savings instruments lock in your savings for a long period of time, making it difficult for you to access your own monies. So while you may have a strong future plan, you might not be able to access your funds, if and when required.

3 Thankfully, with BSLI Money Back Plus Plan, you won't have to worry ever again. BSLI Money Back Plus Plan, a non-participating endowment plan, offers you the Power of Guarantee with Safety and Liquidity. THE BSLI MONEY BACK PLUS PLAN OFFERS Growth and Liquidity: The plan offers you a chance to earn survival benefit at the rd 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 The survival benefit can be withdrawn by you or can be used to pay the premium dues. Assurance on Maturity: At maturity, your policy returns you an amount equal to your Guaranteed Maturity Benefit, plus your survival benefits. The Guaranteed Maturity Benefit is based on your current age and the policy term and is greater than all base premiums paid. The younger you are and the longer you stay, the higher is the guarantee. Increasing Safety: 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. We believe that, as a discerning customer, you deserve to get the best out of every saving plan and we are happy to bring you BSLI Money Back Plus Plan which comes with benefits never offered before. IS BSLI MONEY BACK PLUS PLAN RIGHT FOR YOU? This plan has been designed for you if you are: 60 years of age or younger. The plan cannot be sold to less than 30 days old babies. Looking to invest for more than 10 years. The maximum term for this product is (70 minus your current age) subject to a maximum of 40 years. Looking to invest at least Rs per annum. While there are no limits on the amount you can invest in this plan, you can choose your annual base premiums only in multiples of Rs per annum over the minimum premium of Rs PREMIUMS AND SURVIVAL BENEFIT BANDS The survival benefit under BSLI Money Back Plus Plan is linked to your annual base premiums, and is categorized in 3 bands, as follows: Survival Benefit Annual Base Premium Range Survival Benefit Band 1 Rs. 9,600 - Rs. 18,000 Base Survival Benefit Band 2 Rs. 19,200 - Rs. 37,200 5% extra over Base Survival Benefit Band 3 Rs. 38,400 onwards 7% extra over Base Survival Benefit Please note that you may choose to pay any premium in multiples of Rs.1200 per annum over a minimum annual base premium of Rs You may also choose to pay your premiums annually, half yearly, quarterly or monthly, as per your convenience. Your annual premium will be multiplied by 0.510, or in case you opt for paying it half yearly, quarterly or monthly, respectively.

4 Service Tax & Education Cess and any other applicable taxes will be added to your premium and levied as per the extant tax laws. GROWTH & LIQUIDITY THE POWER OF SURVIVAL BENEFITS rd At the end of every policy year starting from the 3 year, you will earn a survival benefit calculated as your total base premiums paid till date multiplied by: 5.00% + 60% of any excess of the GSec rate over 7.50%; or 5.00% 75% of any excess of the 7.50% over the GSec rate At the beginning of each policy year, your policy will be assigned the latest GSec rate declared by us, and your year-end survival benefit will be based on this GSec rate, irrespective of any change in interest rates during the policy year. We will declare the GSec rate at the beginning of each calendar quarter (the 1st of January, April, July and October) and it will equal the average of the daily 10-year Constant Maturity Treasury annual yields, as calculated by Bloomberg, recorded over the last calendar quarter. Your survival benefit is based on the prevailing 10-year Government of India Security at the beginning of the policy year. You will enjoy 60% of any upside interest movement and be protected on the downside by having your survival benefit reduced by only 75% of the downside interest movement. For example: GSec Rate Downside/Upside Adjustment Survival Benefit Rate 7.50% 5.00% 5.50% - 75% x 2.00% = % 3.50% 9.50% + 60% x 2.00% = % 6.20% Your survival benefit will be increased by 5% or 7% at higher premiums as per the Survival Benefit Bands. The survival benefit will be calculated at the end of every policy year and credited to your policy's accumulated survival benefits. The accumulated survival benefits balance are available for you to: Make cash withdrawals, subject to a minimum of Rs Offset future premiums, provided your accumulated survival benefits are higher than your annual premium Any accumulated survival benefits will be payable on maturity, surrender or death.

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6 Guaranteed Maturity Benefit YOUR PREMIUMS ASSURED THE POWER OF GUARANTEED MATURITY BENEFIT At your policy maturity, you will receive an amount equal to the Guaranteed Maturity Benefit PLUS your accumulated survival benefits. The Guaranteed Maturity Benefit (GMB) is linked to your age at entry and the policy term. To reiterate, the GMB is higher for lower age and higher policy terms. Needless to say, you should start now and save for as long as you can. Please refer to the table below for a sample of Guaranteed Maturity Benefit per Rs annual base premium: Entry Age Policy Term Annual Base Premiums Paid For exact Guaranteed Maturity Benefits at other combinations of your age and policy term, please refer to our website or contact us. There is a detailed illustration on the last page of the brochure which you may refer to, for ease of understanding. Guaranteed Death Benefit SAFETY OF YOUR DREAMS THE POWER OF INCREASING LIFE COVER The minimum life cover in this plan is ten times the annual base premium. However, in this policy, on every policy anniversary, your life cover will be increased by an amount equal to your annual base premium. In case of the unfortunate event of death of the life insured, we will pay your nominee an amount equal to 10 times your annual base premium and all base premiums paid till date (excluding the first year premium) PLUS all accumulated survival benefits. Guaranteed Surrender Benefit PREPONEMENT OF MATURITY AND SURRENDER OF BENEFITS Preponement of Maturity In the unfortunate situation that you need to prepone your maturity, you will receive

7 your Guaranteed Maturity Benefit minus Early Maturity Adjustment PLUS your accumulated survival benefits. This early maturity adjustment is equal to 1.2% for each year by which you want to advance the maturity. There will be no deduction for early maturity after you have completed 20 policy years. You cannot prepone your policy's maturity if your policy hasn't completed ten years. Example: If a 25-year policy is needed to be preponed to 15 years. Your guaranteed maturity amount will correspond to 15 years (not 25 years). The early maturity adjustment of 1.2% will be applied on 5 years only as after 20 years there is no such deduction made i.e. 1.2 % (20-15 years). This amounts to a deduction of 6% from your guaranteed maturity amount. Thus, you stand to receive 94% of Guaranteed Maturity Benefit corresponding to 15 years. Surrender Benefits 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 as indicated below PLUS accumulated survival benefits Policy Year of Surrender % 25% 30% 35% 45% 55% 65% 75% 85% Policy will acquire a surrender benefit only if premiums for full 3 years are paid. There is a detailed illustration on the last page of the brochure which you may refer for ease of understanding.

8 OTHER QUESTIONS THAT YOU MAY HAVE Is there an extra benefit that I receive in case an accident occurs? Yes, you have an option of Accidental Death and Dismemberment Rider that you may add to your policy. You will get 100% cover in case of unfortunate death due to accident; loss of more than one limb; loss of sight in both eyes; or loss of one limb and loss of sight in one eye. You receive 50% of cover in case of loss of one limb; or loss of sight in one eye. What happens if, due to some reason, I am unable to pay my premium on time? If you are unable to pay the premium by the due date, you will be given a grace period of 30 days and during this grace period all coverages under your policy will continue. If you do not pay your premium within the grace period, the following will be applicable: (a) In case your policy has not acquired a surrender benefit, then all benefits under your policy will cease immediately. (b) In case your policy has acquired a surrender benefit, then your policy will be continued on a reduced paid-up basis. You can reinstate your policy for its full coverage within two years from the due date of the unpaid premium by paying all outstanding premiums together with interest as declared by us from time to time and by providing evidence of insurability satisfactory to us. Can I get loans against my policy? Yes, you are allowed to get policy loans once the policy acquires a surrender benefit. The minimum policy loan is Rs. 10,000 and the maximum is 90% of the surrender benefit. Interest, at a rate declared by us from time to time, will be charged against any outstanding loans. Any outstanding loan balance will be recovered by us from policy proceeds due for payment and will be deducted before any benefit is paid under the policy. What are the tax benefits that I get on this policy? You will be eligible for tax benefits under Section 80C and Section 10(10D) of the Income Tax Act, Presently, Under Section 80C, premiums up to Rs. 100,000 are allowed as a deduction from your taxable income, each year Under Section 10(10D), the benefits you receive from this plan are exempt from tax, subject to mentioned exclusions What option do I have in case I change my mind after buying the policy? You will have the right to return your policy to us within 15 days from the date of receipt of the policy. We will refund all premiums paid till date once we receive your written notice of cancellation (along with reasons thereof), together with the original policy documents. Depending on our then current administration rules, we may reduce the amount of the refund by expenditures incurred by us in issuing your policy, and as permitted by the IRDA and in accordance to IRDA (Protection of Policyholders' Interest) Regulations, 2002.

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11 TERMS AND CONDITIONS Refund of Premiums upon Death We will only refund base premiums paid till date in the event the life insured dies by suicide, whether medically sane or insane, within one year after the issue or reinstatement date, whichever is later. We will only refund base premiums paid till date in the event the life insured dies before the policy anniversary coinciding with or immediately following the 5th birthday of the life insured. Prohibition of Rebates Section 41 of the Insurance Act, 1938 No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take or renew or continue an insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy, nor shall any person taking out or renewing or continuing a policy accept any rebate, except such rebate as may be allowed in accordance with the published prospectuses or tables of the insurer. Non-Disclosure Section 45 of the Insurance Act, 1938 No policy of life insurance effected after the coming into force of this act shall, after the expiry of two years from the date on which it was effected be called in question by an insurer on the ground that statement made in the proposal or in any report of a medical officer, or referee, or friend of the life insured, or in any other document leading to the issue of the policy, was inaccurate or false, unless the insurer shows that such statement was on a material matter or suppressed facts which it was material to disclose and that it was fraudulently made by the policyholder and that the policyholder knew at the time of making it that the statement was false or that it suppressed facts which it was material to disclose. Provided that nothing in this section shall prevent the insurer from calling for proof of age at any time if he is entitled to do so, and no policy shall be deemed to be called in question merely because the terms of the policy are adjusted on subsequent proof that the age of the life insured was incorrectly stated in the application.

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13 BIRLA SUN LIFE INSURANCE A COMING TOGETHER OF VALUES Birla Sun Life Insurance Company Limited is a joint venture between The Aditya Birla Group, one of the largest business houses in India and Sun Life Financial Inc., a leading international financial services organization. The local knowledge of the Aditya Birla Group combined with the expertise of Sun Life Financial Inc., offers a formidable protection for your future. The Aditya Birla Group has a turnover of close to Rs. 119,000 crores, with a market st capitalization of Rs. 133,875 crores (as on 31 March 2008). It has over 100,000 employees across all its units worldwide. It is led by its Chairman Mr. Kumar Mangalam Birla. Some of its key companies are Hindalco, Grasim and Aditya Birla Nuvo. Sun Life Financial Inc. and its partners have operations in key markets worldwide. These include Canada, the United States, the United Kingdom, Hong Kong, the Philippines, Japan, Indonesia, India, China and Bermuda. Sun Life Financial Inc. has st assets under management of over US$ billion (as on 31 March, 2008). It is a leading performer in the life insurance market in Canada. Birla Sun Life Insurance (BSLI) has been operating for 9 years. It has contributed significantly to the growth and development of the life insurance industry in India. It pioneered the launch of Unit Linked Life Insurance plans amongst the private players in India. It was the first player in the industry to sell its policies through the Bancassurance route and through the Internet. It was the first private sector player to introduce a Pure Term plan in the Indian market. BSLI has covered more than 2 million lives since it commenced operations and its customer base is spread across more than 1500 towns and cities in India. The company has a capital base of st Rs crores as on 31 March 2008.

14 FOR BETTER UNDERSTANDING AND CLARITY, YOU MAY REFER TO THE DETAILS IN THE FOLLOWING ILLUSTRATION: For example: You have an annual base premium of Rs in a 25-year policy term and your age at entry being 30 years. Following Accumulated Survival Benefits will emerge in different scenarios: Illustration Down Scenario Base Up Scenario Average 10-Year GSec Rate 5.50% 7.50% 9.50% Survival Benefit Payout Rate 3.50% 5.00% 6.20% Survival Benefit Accumulation Rate 4.68% 6.38% 8.08% In Rupees Ratio to Base Premiums paid to date Guaranteed Non-Guaranteed Guaranteed Total and Policy Surrender Accumulated Survival Surrender Non-Guaranteed Year Benefit Benefits Benefit Surrender Benefit at 5.5% at 7.5% at 9.5% at 5.5% at 7.5% at 9.5% 1 & % 29% 30% 31% % 36% 39% 41% % 44% 48% 51% % 56% 61% 66% % 68% 75% 80% % 81% 88% 95% % 93% 102% 110% % 116% 126% 136% % 138% 156% 175% % 157% 187% 219% % 179% 224% 276% If the Annual Base Premium is: Band 2 - at least Rs. 19,200, then the Accumulated Survival Benefits are 5% higher than shown above Band 3 - at least Rs. 38,400, then the Accumulated Survival Benefits are 7% higher than shown above At the end of 25 years (at maturity), the following amounts would be payable for three Annual Base Premium levels: Annual Base Premium of Rs. 12,000 is 10 times above illustration Annual Base Premium of Rs. 24,000 is 20 times above illustration with Accumulated Survival Benefits are 5% higher Annual Base Premium of Rs. 48,000 is 40 times above illustration with Accumulated Survival Benefits are 7% higher Illustration continued on the next page.

15 In Rupees Ratio to Base Premiums paid to date Annual Guaranteed Non-Guaranteed Guaranteed Total and Base Surrender Accumulated Survival Surrender Non-Guaranteed Premium Benefit Benefits Benefit Surrender Benefit at 5.5% at 7.5% at 9.5% at 5.5% at 7.5% at 9.5% % 179% 224% 276% % 182% 230% 284% % 184% 232% 288% DISCLAIMERS Insurance is the subject matter of the solicitation. For more details on terms and conditions, please read the sales brochure carefully before concluding the sale. Tax benefits are subject to changes in the tax laws.

16 Call Toll-free: sms POWER to Regd. Office: One Indiabulls Centre, Tower 1, 15th & 16th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai Reg. No. 109 Unique No.: 109N041V01 ADV/01/08-09/3123 VER 3/SEPT/2009