BSLI Guaranteed Bachat Plan - Citibank India

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.