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Birla Sun Life Insurance Wealth Secure Plan

Birla Sun Life Insurance Wealth Secure Plan. Investment Options. Flexibilities. Charges. Disclaimers. Benefits. Sensex Closing. Investment Options. Flexibilities. What to Do?. Charges. Disclaimers. Benefits.

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Birla Sun Life Insurance Wealth Secure Plan

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  1. Birla Sun Life InsuranceWealth Secure Plan

  2. Investment Options Flexibilities Charges Disclaimers Benefits Sensex Closing

  3. Investment Options Flexibilities What to Do? Charges Disclaimers Benefits • Most of us desire to acquire a lot of wealth in the shortest amount of time. However, we also have some reservations as to; • Which funds Do I invest in? • I want inflation beating returns?

  4. Investment Options Do I take high risk and get better returns? Or Do I take Low/No risk and loose the opportunity to make bigger profits? Flexibilities Charges Disclaimers Benefits • BIG Opportunity Euphoria Relief Excitement Fear Hope Optimism Panic High RISK

  5. Investment Options Flexibilities Charges Disclaimers Benefits Current Customer Mentality Jittery to enter the market when there is no clear trend in the market movements Still believes that equity is a good investment over long term Potential of Stock Markets India continues to grow at 8% Equity is the still the best investment if customer looks at a longer investment horizon

  6. Customer Need Investment Options Flexibilities Charges Disclaimers Benefits PROTECTION on his investments against market uncertainties in the near future ALONG WITH The benefits of equity investment in the long term

  7. i Investment Options Plan Details Flexibilities Charges Disclaimers Intro Benefits

  8. i Investment Options Flexibilities Charges Disclaimers Intro Benefits • LifeCycle Option • An option which allows your investments to alter over time based on your age and risk profile • Premium automatically allocated in 2 fund options (Income Advantage & Maximiser) based on attained age and chosen risk profile • Switch between risk profiles anytime during the policy term • Automatic rebalancing will be done on every policy anniversary Lifecycle Option Risk Profile R i s k P r o f i l e R i s k P r o f i l e S w i t c h e s S w i t c h e s Conservative Moderate Aggressive Annual Rebalancing

  9. i Investment Options Flexibilities LifeCycle Option Disclaimers Charges Intro Benefits Change in NAV changes Debt – Equity Proportion Change in Age – Change in Allocation percentage Customer Age 25, Aggressive Age 41 years 30% 70% • Policy Inception • Every Year • Change of Age Band DEBT EQUITY 10% 10% 90% 90% DEBT EQUITY EQUITY DEBT Allocation based on Age and Risk Profile Asset Rebalancing on every policy anniversary Asset Rebalancing on every shift in age band

  10. i Investment Options Flexibilities • Systematic Transfer Option • Allows you to invest in lump sum and minimize the effect of market volatility • Mechanism that eliminates the need to time your investments in the market • Avoids the risk of locking in to one single valuation and facilitates one to get an 'average' of the valuations on the various dates • Regular transfer (on monthly basis) from low risk instrument (debt) to high risk instrument (equity) in the pre-specified manner. • Available only with Annual mode Charges Disclaimers Intro Benefits

  11. i Investment Options Flexibilities Disclaimers Charges Intro Benefits Systematic Transfer Option • Premiums initially allocated to Liquid Plus Fund • Choose any one of the following five fund options as a “Transfer Fund” • Enhancer • Multiplier • Super 20 • Pure Equity • Value & Momentum • Choose a Transfer Date from 1st, 8th, 15th or 22nd of every month • On every Transfer Date -1/12th of the allocated amount transferred to “Transfer Fund” 10/12 10/12 9/12 8/12 7/12 6/12 6/12 8/12 9/12 7/12 5/12 5/12 4/12 4/12 3/12 100% 100% Transfer Fund Liquid Plus 1/12 1/12 3/12 2/12 2/12 11/12 11/12

  12. At higher prices, buy less units At lower prices, buy more units Rising Markets Units Purchased Market i Investment Options Flexibilities Charges Disclaimers Intro Benefits TO REDUCE RISK – Follow the Systematic Transfer Option Falling Markets Units Purchased Market DOUBLE BENEFIT OF REGULAR INVESTMENT Average Purchase cost Per Unit will be less Rupee cost Averaging Automatic timing

  13. i Investment Options Flexibilities Charges Disclaimers Intro Benefits • Self-Managed Option • Gives you freedom to invest in fund of your choice. • Option to select investment funds ranging from 100% debt to 100% equity • Liquid Plus| Enhancer | Maximiser | Income Advantage | Creator | Multiplier Assure | Magnifier |Super 20 | Protector | Pure Equity | Builder | Value & Momentum • Flexibility to change the allocation percentage • Switching allowed within the investment funds

  14. i Investment Options Flexibilities Charges Disclaimers Intro Benefits • Death Benefit: inthe unfortunate event the life insured dies while the policy is in effect, we will pay to the nominee the greater of • Basic Fund Value as on date of intimation of death; or • Basic Sum Assured • In addition we will also pay the greater of • Top-up Fund Value as on date of intimation of death; or • Top-up Sum Assured • Death benefit shall never be less than 105% of total premiums paid to date. • Guaranteed Additions: • On 10th policy anniversary and on every 5th policy anniversary thereafter. Guaranteed Addition is 2.00% of the total premiums paid in the last 60 months • In addition on 11th policy anniversary and every policy anniversary thereafter. Guaranteed Addition is 0.20% of the average Fund Value in the last 12 months

  15. i Investment Options Flexibilities Charges Disclaimers Intro Benefits • Surrender Benefits: • During the first 5 years • Risk Cover will cease • Fund Value net of discontinuance charge will be transferred to Linked Discontinued Policy Fund • Linked Discontinued Policy Fund grows at a minimum guaranteed interest rate of 4%pa. • FMC of 0.50% is applicable on Linked Discontinued Policy Fund • shall be payable at the end of 5 policy years • After 5 policy years • Fund value

  16. i Investment Options Flexibilities Charges Disclaimers Intro Benefits • Sum Assured: • Enhance your protection- increase the amount of protection by opting for 150%, 200%, 250% or 300% of the minimum Basic Sum Assured • Decrease your Basic Sum Assured anytime after the premium paying term provided it meets the minimum Basic Assured criteria as defined under this plan • Partial Withdrawal: • Unlimited partial withdrawals anytime after (a) 5 policy years or (b) life insured attaining the age of 18, whichever is later • Partial withdrawal's will be first adjusted from the Top Up fund value • Minimum amount of partial withdrawal is Rs. 5,000 • No maximum limit, but need to maintain a minimum Basic fund value of 5 years basic premiums plus any top up premiums paid in the previous 5 years immediately preceding the date of withdrawal

  17. i Investment Options Flexibilities Charges Disclaimers Intro Benefits • Top Up Premium: • Not Allowed 5 years before maturity • Minimum Top Up amount is R. 5,000 • Basic Sum Assured will increase by; • 125% for entry ages below 45; • 110% for entry ages 45 and above • Policy Loan: • No policy loans allowed • Switching: • Allowed • Minimum switch amount is Rs. 5,000

  18. i Investment Options Flexibilities Charges Disclaimers Intro Benefits • Premium Allocation - is levied on the Basic and Top-Up Premium when received • 6.00% of the basic premium payable in the policy years 1-2 • 5.50% of the basic premium payable in the policy years 3-6 • 5.00% of the basic premium payable from the 7th policy year onwards • A premium allocation charge of 2% is levied on any top-up premium when paid. • Fund Management Charge– The daily unit price of the investment fund is adjusted to reflect the fund management charge. • 1.00% p.a. for Liquid Plus, Income Advantage, Assure, Protector and Builder • 1.25% p.a. for Enhancer and Creator • 1.35% p.a. for Magnifier, Maximiser, Multiplier, Super 20, Pure Equity and Value & Momentum.

  19. i Investment Options Flexibilities Charges Disclaimers Intro Benefits Mortality Charge – deducted at the start of every month for providing you with the risk cover. It is charged by cancelling units proportionately from each investment fund you have at that time. The charge per 1000 of Sum at Risk) will depend on the gender and attained age of the life insured Policy Administration Charge – The policy administration charge is Rs. 20 per month for the first five policy years. It shall increase to Rs. 25 per month in the sixth year and inflate at 5% p.a. thereafter, subject to a maximum of Rs. 6,000 p.a. Miscellaneous Charge - currently Rs. 50 per request is charged for change in investment option, premium re-direction, fund switch partial withdrawal or any additional servicing request. We do however reserve the right to charge up to Rs. 500 per request in the future

  20. i Disclaimers Investment Options Flexibilities Disclaimers Charges Intro Benefits 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. This is a non-participating unit linked life insurance savings plan. Birla Sun Life Insurance, BSLI Wealth Secure Plan(UIN109L074V02) , Self-Managed Option – Liquid Plus (ULIF02807/10/11BSLLIQPLUS109), Income Advantage(ULIF01507/08/08BSLIINCADV109), Assure(ULIF01008/07/05BSLIASSURE1090, Protector(ULIF00313/03/01BSLPROTECT109), Builder(ULIF00113/03/01BSLBUILDER109), Enhancer(ULIF00213/03/01BSLENHANCE109), Creator(ULIF00704/02/04BSLCREATOR109), MagnifierULIF00826/06/04BSLIIMAGNI109), Maximiser(ULIF01101/06/07BSLIINMAXI109), Multiplier(ULIF01217/10/07BSLIINMULTI109), Super 20(ULIF01723/06/09BSLSUPER20109), Pure Equity(ULIF01723/06/09BSLSUPER20109) and Value & Momentum(ULIF02907/10/11BSLIVALUEM109) are only the names of the Company, Policy, Investment Option and Investment Funds respectively and do not in any way indicate the quality of the Policy, Investment Funds 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. For training purpose only

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