1. finance
2. investing
3. options

Birla Sun Life Insurance
Wealth Secure Plan
Confidential Copyright Birla Sun Life Insurance Company Limited 2009
1
Sensex Closing
PRP: TRA/12/13-14/6511
BSLI Wealth Secure Plan – UIN: 109L074V02
Investment
Options
Copyright Birla Sun Life Insurance Company Limited 2012
Benefits
Flexibilities
Charges
Disclaimers
2
What to Do?
BSLI Wealth Secure Plan – UIN: 109L074V02
PRP: TRA/12/13-14/6511
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?
Investment
Options
Copyright Birla Sun Life Insurance Company Limited 2012
Benefits
Flexibilities
Charges
Disclaimers
3
Do I take high risk and get better returns?
Or Do I take Low/No risk and loose the opportunity to
make bigger profits?
BSLI Wealth Secure Plan – UIN: 109L074V02
PRP: TRA/12/13-14/6511
BIG Opportunity
Euphoria
Relief
Fear
Excitement
Hope
Optimism
Panic
High RISK
Investment
Options
Copyright Birla Sun Life Insurance Company Limited 2012
Benefits
Flexibilities
Charges
Disclaimers
4
Current Customer Mentality
Jittery to enter the market when there is no clear trend in the market movements
BSLI Wealth Secure Plan – UIN: 109L074V02
PRP: TRA/12/13-14/6511
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
Investment
Options
Copyright Birla Sun Life Insurance Company Limited 2012
Benefits
Flexibilities
Charges
Disclaimers
5
Customer Need
BSLI Wealth Secure Plan – UIN: 109L074V02
PROTECTION on his investments against market uncertainties in the near future
PRP: TRA/12/13-14/6511
ALONG WITH
The benefits of equity investment in the long term
Investment
Options
Copyright Birla Sun Life Insurance Company Limited 2012
Benefits
Flexibilities
Charges
Disclaimers
6
Entry Age
1 to 60 years
Whole Life
Policy Term
Premium Paying Term*
subject to min. age 18 & max age of 75 at the end of premium paying
term
Premium Frequency
Annual | Semi-annual | Quarterly | Monthly
Minimum Basic Premium
Annual – Rs. 20,000
Semi Annual – Rs. 30,000
Quarterly/ Monthly – Rs. 60,000
Basic Sum Assured (Min.)
Basic Sum Assured is your Basic Premium payable in a policy year
multiplied by:
The higher of 10 or the number of years to attain age 70 divided by 2,
for entry ages below 45; or
The higher of 7 or the number of years to attain age 70 divided by 4,
for entry ages 45 and above
Top-up Premium
Minimum Rs. 5,000
Investment Options
Lifecycle | Systematic Transfer | Self Managed
Intro
Plan
Details
Copyright Birla Sun Life Insurance Company Limited 2012
Investment
Options
Benefits
Flexibilities
Charges
Disclaimers
7
BSLI Wealth Secure Plan – UIN: 109L074V02
PRP: TRA/12/13-14/6511
5 to 30 years

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
BSLI Wealth Secure Plan – UIN: 109L074V02
PRP: TRA/12/13-14/6511
LifeCycle Option
Lifecycle Option
R i s k Profil e
Risk Profile
S wi t c h e s
Conservative
Moderate
Aggressive
Annual
Rebalancing
Intro
Copyright Birla Sun Life Insurance Company Limited 2012
Investment
Options
Benefits
Flexibilities
Charges
Disclaimers
8
LifeCycle Option
PRP: TRA/12/13-14/6511
Customer
Age 41 years
Age 25, Aggressive
Policy Inception
90%
EQUITY
10%
DEBT
Allocation based on
Age and Risk Profile
Intro
Copyright Birla Sun Life Insurance Company Limited 2012
BSLI Wealth Secure Plan – UIN: 109L074V02
Change in Age – Change in
Allocation percentage
Change in NAV changes
Debt – Equity Proportion
Every Year
90%
EQUITY
Change of Age Band
10%
70%
DEBT
EQUITY
Asset Rebalancing on
every policy anniversary
Investment
Options
Benefits
Flexibilities
30%
DEBT
Asset Rebalancing on
every shift in age band
Charges
Disclaimers
9

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
Intro
Copyright Birla Sun Life Insurance Company Limited 2012
Investment
Options
Benefits
Flexibilities
Charges
BSLI Wealth Secure Plan – UIN: 109L074V02
PRP: TRA/12/13-14/6511
Systematic Transfer Option
Disclaimers
10
Systematic Transfer Option
BSLI Wealth Secure Plan – UIN: 109L074V02
PRP: TRA/12/13-14/6511
 Premiums initially allocated to Liquid Plus Fund
 Choose any one of the following five fund options as
a “Transfer Fund”
 Enhancer
100%
10/12
11/12
9/12
8/12
7/12
6/12
5/12
4/12
3/12
2/12
1/12
Liquid Plus
 Multiplier
100%
10/12
11/12
6/12
8/12
9/12
7/12
5/12
4/12
3/12
2/12
1/12
 Super 20
 Pure Equity
 Value & Momentum
 Choose a Transfer Date from 1st, 8th, 15th or 22nd of
every month
Transfer Fund
 On every Transfer Date -1/12th of the allocated
amount transferred to “Transfer Fund”
Intro
Copyright Birla Sun Life Insurance Company Limited 2012
Investment
Options
Benefits
Flexibilities
Charges
Disclaimers
11
TO REDUCE RISK – Follow the
Systematic Transfer Option
Copyright Birla Sun Life Insurance Company Limited 2012
Market
Investment
Options
Benefits
Flexibilities
Charges
Units
Purchased
Falling Markets
Units
Purchased
Market
PRP: TRA/12/13-14/6511
Intro
BSLI Wealth Secure Plan – UIN: 109L074V02
Rising Markets
Disclaimers
12

Gives you freedom to invest in fund of your choice.

Option to select investment funds ranging from 100% debt to 100% equity
BSLI Wealth Secure Plan – UIN: 109L074V02
PRP: TRA/12/13-14/6511
Self-Managed Option
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
Intro
Copyright Birla Sun Life Insurance Company Limited 2012
Investment
Options
Benefits
Flexibilities
Charges
Disclaimers
13
PRP: TRA/12/13-14/6511
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
Addition is 2.00% of the total premiums paid in the last 60 months
thereafter.
Guaranteed
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
Intro
Copyright Birla Sun Life Insurance Company Limited 2012
Investment
Options
Benefits
Flexibilities
Charges
Disclaimers
14
BSLI Wealth Secure Plan – UIN: 109L074V02
Death Benefit: in the 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
PRP: TRA/12/13-14/6511
BSLI Wealth Secure Plan – UIN: 109L074V02
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
Intro
Copyright Birla Sun Life Insurance Company Limited 2012
Investment
Options
Benefits
Flexibilities
Charges
Disclaimers
15
PRP: TRA/12/13-14/6511
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
Intro
Copyright Birla Sun Life Insurance Company Limited 2012
Investment
Options
Flexibilities
Benefits
Charges
Disclaimers
16
BSLI Wealth Secure Plan – UIN: 109L074V02
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
PRP: TRA/12/13-14/6511
BSLI Wealth Secure Plan – UIN: 109L074V02
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
Intro
Copyright Birla Sun Life Insurance Company Limited 2012
Investment
Options
Benefits
Flexibilities
Charges
Disclaimers
17
PRP: TRA/12/13-14/6511
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.
Intro
Copyright Birla Sun Life Insurance Company Limited 2012
Investment
Options
Benefits
Flexibilities
Charges
Disclaimers
18
BSLI Wealth Secure Plan – UIN: 109L074V02
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.
Attained
Age
Age 25
Age 35
Age 45
Age 55
Age 65
Male
1.546
1.753
3.040
7.064
16.267
Female
1.502
1.605
2.505
5.494
13.197
BSLI Wealth Secure Plan – UIN: 109L074V02
PRP: TRA/12/13-14/6511
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
Intro
Copyright Birla Sun Life Insurance Company Limited 2012
Investment
Options
Benefits
Flexibilities
Charges
Disclaimers
19
Disclaimers
Investment risk in the investment portfolio is borne by the policy holder.
PRP: TRA/12/13-14/6511
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
Intro
Copyright Birla Sun Life Insurance Company Limited 2012
Investment
Options
Benefits
Flexibilities
Charges
Disclaimers
20
BSLI Wealth Secure Plan – UIN: 109L074V02
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.