BSLI Guaranteed Bachat Plan - Citibank India

Are you saving enough
for a brighter tomorrow?
Birla Sun Life Insurance
Guaranteed Bachat Plan
Encourages regular saving with guarantee
and opportunity to earn more

BSLI GUARANTEED BACHAT PLAN
You are the head of your family and your family looks up to you for providing them their
dreams and their future. Your hard earned money may not be enough to meet all the
demands of today and tomorrow.
BSLI Guaranteed Bachat Plan, a non-participating endowment plan, is our answer to
many of your needs. The BSLI Guaranteed Bachat Plan offers:
• Growth and Liquidity: The plan offers you a chance to earn survival benefit at the
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end of each policy year, from the 3 year onwards. The survival benefit can be
withdrawn by you or can be used to pay the premium dues
• Guaranteed Returns: 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 wish to stay, the
higher is the guarantee
• Increasing Life cover: 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, with successive years, your cover increases thus offering you
increasing safety

• Early Exit Option: If ever you are required to exit this plan earlier, there is an early
exit option available, which reduces your Guaranteed Maturity Benefit and returns
you the reduced Guaranteed Maturity Benefit along with all your accumulated
survival benefit
We believe that, as a discerning customer, you deserve to get the best out of every
savings plan and we are happy to bring you BSLI Guaranteed Bachat Plan which
comes with unparalleled benefits never seen before.
IS BSLI GUARANTEED BACHAT PLAN RIGHT FOR ME?
This plan has been designed for you, if you are:
• 60 years of age or younger. This plan cannot be sold to less than 30 days old
babies
• Looking to invest for more than 10 years subject to a minimum maturity age of
18 years. The maximum term for this product is [70 - your current age] subject to
a maximum of 40 years
• Looking to invest at least Rs. 3,600 per annum. You can choose your annual
base premiums only in multiples of Rs. 1,200 per annum subject to maximum
annual base premium of Rs. 8,400
PREMIUMS AND SURVIVAL BENEFIT BANDS
The survival benefit under BSLI Guaranteed Bachat Plan is linked to your annual
base premium.
Annual Premium Annual Base Premium Survival
Band Range Benefit
Band 1 Rs. 3,600 – Rs. 4,800 Base Survival Benefit
Band 2 Rs. 6,000 – Rs. 8,400
15% extra over
Base Survival Benefit
Please note that you may choose to pay any premium in multiples of Rs. 1,200 per
annum over a minimum annual base premium of Rs. 3,600. 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 if 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
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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:
• 4.25% + 60% of any excess of the GSec rate over 7.50%; or
• 4.25% – 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.
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We will declare the GSec rate at the beginning of each calendar quarter (the 1 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 therefore 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% --- 4.25%
5.50% – 75% x 2.00% = – 1.50% 2.75%
9.50% + 60% x 2.00% = + 1.20% 5.45%
Your survival benefit will be increased by 15% at higher premiums for annual premium
band 2.
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 is available for you to:
• Make cash withdrawals, subject to a minimum of Rs. 2,500
• 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 sample Guaranteed
Maturity Benefit per Rs. 1,200 annual base premium:
Entry Age
Policy Term
10 15 20 25 30
20 12,552 19,658 26,432 34,650 44,082
30 12,536 19,612 26,329 34,491 43,901
35 12,506 19,540 26,175 34,253 43,604
40 12,444 19,394 25,881 33,791 42,998
45 12,332 19,140 25,362 32,916 ---
50 12,139 18,700 26,071 --- ---
55 12,000 18,917 --- --- ---
60 12,000 --- --- --- ---
Annual Base
Premiums Paid
12,000 18,000 24,000 30,000 36,000
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 for ease of understanding.
Guaranteed
Death
Benefit
SAFETY TO YOUR DREAMS – THE POWER
OF INCREASING LIFE COVER
The minimum life cover in this plan is five 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 the case of the unfortunate event of death of the life insured, we will pay your nominee
an amount equal to 5 times your annual base premium plus 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 years policy needs 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 the 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 have been 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:
What will happen 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. 5,000 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 is the option that I have if 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 to 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 to date in the event the life insured dies before
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the policy anniversary coinciding with or immediately following the 5 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
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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
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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
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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. 1,200 in a 25-year policy term
and your entry age 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 2.75% 4.25% 5.45%
Survival Benefit Accumulation Rate 4.68% 6.38% 8.08%
In Rupees
Ratio to Base Premiums Paid to Date
Policy Guaranteed Non-Guaranteed Guaranteed Total &
Year Surrender Accumulated Survival Surrender Non-Guaranteed
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 99 153 196 25% 28% 29% 30%
4 1,440 236 367 474 30% 35% 38% 40%
5 2,100 412 645 839 35% 42% 46% 49%
6 3,240 629 992 1,299 45% 54% 59% 63%
7 4,620 889 1,413 1,862 55% 65% 72% 77%
8 6,240 1,195 1,911 2,535 65% 77% 85% 91%
9 8,100 1,548 2,491 3,329 75% 89% 98% 106%
10 11,032 1,950 3,160 4,251 92% 108% 118% 127%
15 18,435 4,789 8,034 11,204 102% 129% 147% 165%
20 26,329 9,263 16,121 23,377 110% 148% 177% 207%
25 34,491 15,790 28,584 43,246 115% 167% 210% 259%
If the Annual Base Premium is:
• Band 2 - at least Rs. 6,000 then the Accumulated Survival Benefits are 15% higher
than shown above
At the end of 25 years (at maturity), the following amounts would be payable
for two Annual Base Premium levels:
• Annual Base Premium of Rs. 3,600 is 3 times above illustration
• Annual Base Premium of Rs. 6,000 is 5 times above illustration with Accumulated
Survival Benefits are 15% higher
Illustration continued on the next page.

In Rupees
Ratio to Base Premiums Paid to Date
Annual Guaranteed Non-Guaranteed Guaranteed Total &
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%
3,600 103,473 47,371 85,752 1,29,737 115% 167% 210% 259%
6,000 172,455 90,795 1,64,359 2,48,663 115% 175% 224% 281%
DISCLAIMERS
This policy is underwritten by Birla Sun Life Insurance Company Limited (BSLI).
This is a non-participating traditional insurance plan. All terms & conditions are
guaranteed throughout the policy term except for the Survival Benefit which will
vary based on the prevailing yield on 10-year Government of India Securities.
BSLI reserves the right to recover levies such as the Service Tax and Education Cess
levied by the authorities on insurance transactions. If there be any additional levies,
they too will be recovered from you. This brochure contains only the salient features
of the plan. For further details, please refer to the policy contract. Tax benefits
are subject to changes in the tax laws. Insurance is the subject matter of the
solicitation. For more details and clarification, call your BSLI Insurance Advisor or
visit our website and see how we can help in making your dreams come true.

Call Toll-free: 1-800-270-7000 www.birlasunlife.com sms ‘DHAN’ 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.:
109N042V01 ADV/02/08-09/3174 VER 2/SEPT/2009