wealth secure_presentation (1)

8/11/2019 Wealth Secure_Presentation (1)

1/20

Confidential Copyright Birla Sun Life Insurance Company Limited 2009

11

Birla Sun Life Insurance

Wealth Secure Plan


2/20

Copyright Birla Sun Life Insurance Company Limited 2012 2

BSLIWealthSecurePla

nI!"10

9L0#$%02

P&P"'&()12)1

*+1$),-11

Benefits

Investment

OptionsFlexibilities

Charges Disclaimers

Sensex Closing


3/20


BSLIWealthSecurePla

nI!"10

9L0#$%02

P&P"'&()12)1

*+1$),-11

Benefits

Investment


Charges Disclaimers

Most of us desire to acquire a lot of ealth in the shortest

amount of time! "oever# e also have some reservations as

to$

. %hich funds Do I invest in&

. I ant inflation beating returns&

%hat to Do&


4/20


BSLIWealthSecure

PlanI!"10

9L0#$%02

P&P"'&()12)1

*+1$),-11

Do I ta'e high ris' and get better returns&

Or Do I ta'e Lo()o ris' and loose the opportunit* to

ma'e bigger profits&

Optimism

+xcitement

+uphoria

Fear

,anic

"ope

-elief

"igh -IS.

BI/ Opportunit*

Benefits

Investment


Charges Disclaimers


5/20


BSLIWealthSecure

PlanI!"10

9L0#$%02

P&P"'&()12)1

*+1$),-11

Current Customer Mentalit*/ittery to enter the maret hen there is no clear trend in the maret moements

Still 3eliees that e4uity is a good inestment oer long term

,otential of Stoc' Mar'ets

India continues to gro at 56

74uity is the still the 3est inestment if customer loos at a longer inestment hori8on

Benefits

Investment


Charges Disclaimers


6/20


BSLIWealthSecure

PlanI!"10

9L0#$%02

P&P"'&()12)1

*+1$),-11

Benefits

Investment


Charges Disclaimers

Customer )eed

,-O0+C0IO) on his investments against mar'et uncertainties in the near future

1LO)/ %I0"

0he benefits of equit* investment in the long term


7/20Copyright Birla Sun Life Insurance Company Limited 2012 7

BSLIWealthSecure

PlanI!"10

9L0#$%02

P&P"'&()12)1

*+1$),-11

Intro ,lan

Details Benefits

Investment

OptionsFlexibilities Charges Disclaimers

7ntry (ge 1 to ,0 years

Policy 'erm Whole Life

Premium Paying 'erm

- to *0 years

su3:ect to min; age 15 < ma= age of #- at the end of premium payingterm

Premium >re4uency (nnual ? Semi+annual ? @uarterly ? Aonthly

Ainimum Basic Premium

(nnual &s; 20000

Semi (nnual &s; *0000@uarterly) Aonthly &s; ,0000

Basic Sum (ssured Ain;D

Basic Sum (ssured is your Basic Premium paya3le in a policy yearmultiplied 3y"'he higher of 10 or the num3er of years to attain age #0 diided 3y 2for entry ages 3elo $-E or'he higher of # or the num3er of years to attain age #0 diided 3y $

for entry ages $- and a3oe

'op+up Premium Ainimum &s; -000

Inestment Fptions Lifecycle ? Systematic 'ransfer ? Self Aanaged



BSLIWealthSecure

PlanI!"10

9L0#$%02

P&P"'&()12)1

*+1$),-11

LifeC*cle Option (n option hich allos your inestments to alter oer time 3ased on your age and ris

profile Premium automatically allocated in 2 fund options Income (dantage < Aa=imiserD

3ased on attained age and chosen ris profile

Sitch 3eteen ris profiles anytime during the policy term

(utomatic re3alancing ill 3e done on eery policy anniersary

&is Profile

ConseratieAoderate

(ggressie

RRiisskkPPrrooffiilleeSSwwiittcchheess

(nnual

&e3alancing

Lifec*cle Option

Intro

BenefitsFlexibilities Charges Disclaimers

Investment

Options



BSLIWealthSecure

PlanI!"10

9L0#$%02

P&P"'&()12)1*+1$),-11

Customer

1ge 23# 1ggressive

,olic* Inception

Change in !(% changes

Ge3t 74uity Proportion

+ver* 4ear

Change in (ge Change in

(llocation percentage

Change of 1ge Band

(ge $1 years

+56I04

789

D+B0

:89

+56I04

789

D+B0

:89

+56I04

;89

D+B0



BSLIWealthSecure

PlanI!"10

9L0#$%02

P&P"'&()12)1*+1$),-11

Intro


S*stematic 0ransfer Option

(llos you to inest in lump sum and minimi8e the effect of maret olatility

Aechanism that eliminates the need to time your inestments in the maret (oids the ris of locing in to one single aluation and facilitates one to get an

HaerageH of the aluations on the arious dates

&egular transfer on monthly 3asisD from lo ris instrument de3tD to high ris

instrument e4uityD in the pre+specified manner;

(aila3le only ith (nnual mode

Investment

Options



BSLIWealthSecure

PlanI!"10

9L0#$%02

P&P"'&()12)1*+1$),-11

Li4uid Plus 'ransfer >und

Premiums initially allocated to Li4uid Plus >und

Choose any one of the folloing fie fund options

as a 'ransfer >undJ

7nhancer

Aultiplier Super 20

Pure 74uity

%alue < Aomentum

Choose a 'ransfer Gate from 1st5th 1-thor 22ndof

eery month

Fn eery 'ransfer Gate +1)12 thof the allocatedamount transferred to 'ransfer >undJ

100611)1210)12

1)122)12

9)12

*)12

5)12

$)12

#)12

-)12

,)12 ,)12

-)12

#)125)12

$)12*)12

9)12

2)12

10)12

1)12

11)121006

Intro


Investment

Options




BSLIWealthSecure

PlanI!"10

9L0#$%02

P&P"'&()12)1*+1$),-11

Intro


0O -+D6C+ -IS. = Follo the


Mar'et

6nits

,

urchased

-ising Mar'ets Falling Mar'ets

M

ar'et

6nits

,u

rchased

1verage ,urchase cost ,er 6nit

ill be less

1t higher prices# bu* less units

1t loer prices# bu* more units

DO6BL+ B+)+FI0 OF -+/6L1- I)>+S0M+)0

-upee cost 1veraging

1utomatic timing

Investment

Options



BSLIWealthSecure

PlanI!"10

9L0#$%02

P&P"'&()12)1*+1$),-11

Intro


Self?Managed Option

Kies you freedom to inest in fund of your choice;

Fption to select inestment funds ranging from 1006 de3t to 1006 e4uity

Li4uid Plus? 7nhancer ? Aa=imiser ? Income (dantage ? Creator ? Aultiplier (ssure ?

Aagnifier ?Super 20 ? Protector ? Pure 74uity ? Builder ? %alue < Aomentum

>le=i3ility to change the allocation percentage

Sitching alloed ithin the inestment funds

Investment

Options



BSLIWealthSecure

PlanI!"10

9L0#$%02

P&P"'&()12)1*+1$),-11

Intro


Death Benefit" inthe unfortunate eent the life insured dies hile the policy is in effect e ill pay to

the nominee the greater of. Basic >und %alue as on date of intimation of deathE or. Basic Sum (ssured

In addition e ill also pay the greater of. 'op+up >und %alue as on date of intimation of deathE or. 'op+up Sum (ssured

Geath 3enefit shall neer 3e less than 10-6 of total premiums paid to date;

/uaranteed 1dditions"

Fn 10th policy anniersary and on eery -th policy anniersary thereafter; Kuaranteed

(ddition is 2;006 of the total premiums paid in the last ,0 months

In addition on 11thpolicy anniersary and eery policy anniersary thereafter; Kuaranteed (ddition is

0;206 of the aerage >und %alue in the last 12 months

Investment

Options



BSLIWealthSecure

PlanI!"10

9L0#$%02

P&P"'&()12)1*+1$),-11

Intro

Benefits

Investment


Surrender Benefits"

Guring the first - years. &is Coer ill cease. >und %alue net of discontinuance charge ill 3e transferred to Lined Giscontinued

Policy >und. Lined Giscontinued Policy >und gros at a minimum guaranteed interest rate of $6pa;. >AC of 0;-06 is applica3le on Lined Giscontinued Policy >und. shall 3e paya3le at the end of - policy years

(fter - policy years. >und alue



BSLIWealthSecure

PlanI!"10

9L0#$%02

P&P"'&()12)1*+1$),-11

Intro

Benefits

Investment

OptionsCharges Disclaimers

Sum 1ssured"

. 7nhance your protection+ increase the amount of protection 3y opting for 1-06 20062-06 or *006 of the minimum Basic Sum (ssured

. Gecrease your Basic Sum (ssured anytime after the premium paying term proided it

meets the minimum Basic (ssured criteria as defined under this plan

,artial %ithdraal@. nlimited partial ithdraals anytime after aD - policy years or 3D life insured attaining

the age of 15 hicheer is later. Partial ithdraalHs ill 3e first ad:usted from the 'op p fund alue. Ainimum amount of partial ithdraal is &s; -000. !o ma=imum limit 3ut need to maintain a minimum Basic fund alue of - years 3asic

premiums plus any top up premiums paid in the preious - years immediately preceding

the date of ithdraal

Flexibilities



BSLIWealthSecure

PlanI!"10

9L0#$%02

P&P"'&()12)1*+1$),-11

Intro

Benefits

Investment


0op 6p ,remium"

. !ot (lloed - years 3efore maturity

. Ainimum 'op p amount is &; -000

. Basic Sum (ssured ill increase 3yE. 12-6 for entry ages 3elo $-E. 1106 for entry ages $- and a3oe

,olic* Loan@. !o policy loans alloed

Sitching@. (lloed. Ainimum sitch amount is &s; -000



BSLIWealthSecure

PlanI!"10

9L0#$%02

P&P"'&()12)1*+1$),-11

Intro

Benefits

Investment


,remium 1llocation ? is leied on the Basic and 'op+p Premium hen receied

. ,;006 of the 3asic premium paya3le in the policy years 1+2

. -;-06 of the 3asic premium paya3le in the policy years *+,

. -;006 of the 3asic premium paya3le from the #thpolicy year onards

( premium allocation charge of 26 is leied on any top+up premium hen paid;

Fund Management Charge= 'he daily unit price of the inestment fund is ad:usted to reflect the fund

management charge;

. 1;006 p;a; for Li4uid Plus Income (dantage (ssure Protector and Builder

. 1;2-6 p;a; for 7nhancer and Creator

. 1;*-6 p;a; for Aagnifier Aa=imiser Aultiplier Super 20 Pure 74uity and %alue < Aomentum;



BSLIWealthSecure

PlanI!"10

9L0#$%02

P&P"'&()12)1*+1$),-11

Intro

Benefits

Investment


Mortalit* Charge = deducted at the start of eery month for proiding you ith the ris coer; It is

charged 3y cancelling units proportionately from each inestment fund you hae at that time; 'he charge

per 1000 of Sum at &isD ill depend on the gender and attained age of the life insured

,olic* 1dministration Charge= 'he policy administration charge is &s; 20 per month for the first fie

policy years; It shall increase to &s; 2- per month in the si=th year and inflate at -6 p;a; thereafter

su3:ect to a ma=imum of &s; ,000 p;a;

1ttained1ge

1ge 23 1ge emale 1;-02 1;,0- 2;-0- -;$9$ 1*;19#

Miscellaneous Charge ? currently &s; -0 per re4uest is charged for change in inestment option premium

re+direction fund sitch partial ithdraal or any additional sericing re4uest; We do hoeer resere the

right to charge up to &s; -00 per re4uest in the future


20/20

BSLIWealthSecure

PlanI!"10

9L0#$%02

P&P"'&()12)1*+1$),-11

Intro

Benefits

Investment

OptionsFlexibilities Disclaimers

Inestment ris in the inestment portfolio is 3orne 3y the policy holder;

'he premiums paid in nit Lined Life Insurance policies are su3:ect to inestment riss associatedith capital marets and the !(%s of the units may go up or don 3ased on the performance of the

fund and factors influencing the capital maret and the policy oner is responsi3le for his or her

decision;

'his is a non+participating unit lined life insurance saings plan; Birla Sun Life Insurance BSLI

Wealth Secure Plan(UIN109L074V02D Self+Aanaged Fption Li4uid Plus

ULIF02807/10/11BSLLIQPLUS109) Income (dantageULIF01507/08/08BSLIINCADV109)

(ssureULIF01008/07/05BSLIASSURE1090 ProtectorULIF00313/03/01BSLPROTECT109)BuilderULIF00113/03/01BSLBUILDER109) 7nhancer(ULIF00213/03/01BSLENHANCE109)

CreatorULIF00704/02/04BSLCREATOR109) AagnifierULIF00826/06/04BSLIIA!NI109)

Aa=imiserULIF01101/06/07BSLIINA"I109) AultiplierULIF01217/10/07BSLIINULTI109)

Super 20ULIF01723/06/09BSLSUPER20109) Pure 74uityULIF01723/06/09BSLSUPER20109)

and %alue < AomentumULIF02907/10/11BSLIVALUE109)are only the names of the Company

Policy Inestment Fption and Inestment >unds respectiely and do not in any ay indicate the

4uality of the Policy Inestment >unds or their future prospects or returns;

Insurance is the su3:ect matter of the solicitation;

'a= 3enefits are su3:ect to changes in ta= las;

&efer to product 3rochure for more details;

>or training purpose only

Charges

Disclaimers

wealth secure_presentation (1)

Documents