BSLI Money Back Plus Plan - Birla Sun Life Insurance

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

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. 1200 and a medical check up may
cost Rs. 5000.
• 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.

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withdrawn by you or can be used to pay the premium dues.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. 9600 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. 1200 per annum over the minimum premium of Rs. 9600.
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. 9600. 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, 0.258 or 0.087 in case you opt for
paying it half yearly, quarterly or monthly, respectively.

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% = - 1.50% 3.50%
9.50% + 60% x 2.00% = + 1.20% 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. 5000
• 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.

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. 1200 annual base premium:
Entry Age
Policy Term
10 15 20 25 30
20 13020 19959 26129 34062 43018
30 13001 19882 25922 33645 42294
35 12948 19744 25603 33063 41312
40 12849 19480 25030 32020 39458
45 12670 19031 24052 30131 —
50 12380 18298 24738 — —
55 12000 18486 — — —
60 12057 — — — —
Annual Base
Premiums Paid
12000 18000 24000 30000 36000
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

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
1-2 3 4 5 6 7 8 9 10
0% 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.

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, 1961. 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.

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.

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$ 404.7 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. 1274.5 crores as on 31 March 2008.

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. 1200 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 & 2 — — — — — — — —
3 900 126 180 223 25% 29% 30% 31%
4 1441 300 431 539 30% 36% 39% 41%
5 2100 524 759 954 35% 44% 48% 51%
6 3240 800 1167 1478 45% 56% 61% 66%
7 4620 1132 1662 2118 55% 68% 75% 80%
8 6240 1521 2248 2884 65% 81% 88% 95%
9 8100 1970 2931 3787 75% 93% 102% 110%
10 11440 2482 3718 4836 95% 116% 126% 136%
15 18689 6095 9452 12746 104% 138% 156% 175%
20 25922 11789 18966 26594 108% 157% 187% 219%
25 33645 20097 33628 49197 112% 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.

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%
12000 336450 200968 336283 491970 112% 179% 224% 276%
24000 672900 422033 706195 1033136 112% 182% 230% 284%
48000 1345800 860144 1439293 2105630 112% 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.

Call Toll-free: 1-800-270-7000 www.birlasunlife.com sms ‘POWER’ to 56161
Regd. Office: One Indiabulls Centre, Tower 1, 15th & 16th Floor, Jupiter Mill Compound,
841, Senapati Bapat Marg, Elphinstone Road, Mumbai 400 013. Reg. No. 109 Unique No.:
109N041V01 ADV/01/08-09/3123 VER 3/SEPT/2009