Guaranteed Wealth Plan Brochure A5.cdr - Birla Sun Life Insurance

Thankfully, some things in life
come with a guarantee
Birla Sun Life Insurance
Guaranteed Wealth Plan
A traditional life insurance plan

We all have dreams for our families and for ourselves. We strive hard to ensure that the dreams
are fulfilled under all circumstances. However, given the unpredictable nature of the world
around us, nothing comes for certain. This is where an investment plan that comes with the
advantage of guaranteed returns as well as a life cover becomes very relevant.
Presenting BSLI Guaranteed Wealth Plan, a life insurance plan offering guaranteed benefits.
Now you can rest assured that your dreams will be fulfilled as you have planned for them,
without any surprises.
Plan at a glance
This plan offers a Guaranteed Survival Benefit at the end of the premium paying term and
a Guaranteed Maturity Benefit plus Life Cover throughout the policy term.
You customize your policy to suit your particular insurance and savings needs by choosing:
• The "Premium" you wish to pay every year
• The "Premium Paying Term" which represents the years for which you intend to pay
premiums in your policy. During this period, your premiums are payable every year and at
the end of this period, Guaranteed Survival Benefit shall be payable to you

The "Sum Assured" represents the amount of life insurance cover and will be based on the
chosen premium.
In the event the life insured dies during the premium paying term, we shall pay to the nominee
• Sum Assured plus Survival Additions accrued to date of death,
In the event the life insured dies after the premium paying term, but before the end of the policy
term, we shall pay to the nominee
• Sum Assured
The premium is payable during the premium paying term only. If you discontinue paying
premiums after having paid for at least three full years, your policy will not lapse but will
continue on a Reduced Paid-Up basis.
Eligibility criterion
Entry Age (age last birthday)
8 - 50 years
Policy Term 10 years 15 years 20 years
Premium Paying Term 5 years 7 years 10 years
Subject to minimum attained
age of 18 at the end of
premium paying term
Minimum Premium ` 6,000
Premium Frequency
Sum Assured*
Annual
10 x Premium
*Sum Assured payable on death shall never be less than 105% of total premiums paid to date excluding any
underwriting extra.
Your policy benefits will depend on the amount of the Premium you select. For easy reference,
your Premium is banded as follows:
Premium Band Band 1 Band 2 Band 3
Premium (`) 6,000 to 11,999 12,000 to 29,999 30,000 +
Your guaranteed benefits
Guaranteed Death Benefit
In the event the life insured dies during the premium paying term, we shall pay to the nominee
• Sum Assured; plus
• Survival Additions accrued to date of death
In the event the life insured dies after the premium paying term, the nominee shall receive the
Sum Assured.

In case of death of the life insured, if the life insured is different from the policyholder, the
policyholder will receive the death benefit. The policy shall be terminated once the death
benefit is paid.
Guaranteed Survival Benefit
During the premium paying term and while due premiums have been paid in full, your policy
will accrue Survival Additions on a monthly basis. The Survival Addition Rates as a percentage
of premium for each year of premium paying term are as follows:
Premium Band
Premium Paying Term / Policy Term
5 / 10 7 / 15 10 / 20
Band 1 6% 11.2% 22%
Band 2 10% 17.5% 28%
Band 3 10.5% 18.2% 30%
In the event the life insured survives to the end of premium paying term, we shall pay the sum
of all Survival Additions accrued till date as Guaranteed Survival Benefit, provided all due
premiums are paid.
The policy continues even after the Guaranteed Survival Benefit is paid.
Guaranteed Maturity Benefit
In the event the life insured survives to the end of the Policy Term, we shall pay Guaranteed
Maturity Benefit.
The Guaranteed Maturity Benefit as a percentage of all premiums paid is as follows:
Premium Band
Premium Paying Term / Policy Term
5 / 10 7 / 15 10 / 20
Band 1 105.0% 107.0% 110.0%
Band 2 115.0% 121.0% 130.0%
Band 3 123.0% 132.2% 146.0%
The policy shall be terminated once the Guaranteed Maturity Benefit is paid.
Reduced Paid-Up Benefits
Under Reduced Paid-Up, your Sum Assured will be reduced in the proportion of the number of
premiums paid to date to the number of premiums payable during the first five years subject
to a maximum of the fully Paid-Up Sum Assured. Your accrued Survival Additions to the date of
premium discontinuance will not be reduced but there will be no further accrual. The accrued

Survival Additions to the date of premium discontinuance shall be paid at the end of the
premium paying term as Guaranteed Survival Benefit or upon death of the life insured if
sooner. Guaranteed Maturity Benefit shall be frozen and paid on maturity.
In case of death during the policy term or in case of survival till maturity, after acquiring
Reduced Paid-Up status, benefits will be payable on Reduced Paid-Up basis.
Your benefit illustration
Entry Age : 35 years Policy Term : 20 years
Gender : Male Premium Paying Term : 10 years
Annual Premium : ` 30,000 Premium Frequency : Annual
Sum Assured : ` 300,000
Policy Premiums Guaranteed Guaranteed Guaranteed
Year End Paid to Date (`) Death Benefit (`) Survival Benefit (`) Maturity Benefit (`)
1 30,000 3,09,000 - -
2 60,000 3,18,000 - -
3 90,000 3,27,000 - -
4 1,20,000 3,36,000 - -
5 1,50,000 3,45,000 - -
6 1,80,000 3,54,000 - -
7 2,10,000 3,63,000 - -
8 2,40,000 3,72,000 - -
9 2,70,000 3,81,000 - -
10 3,00,000 4,05,000 90,000
11 - 3,15,000 - -
12 - 3,15,000 - -
13 - 3,15,000 - -
14 - 3,15,000 - -
15 - 3,15,000 - -
20 - 3,15,000 - 4,38,000
Service Tax and Education Cess and any other applicable taxes will be added to your premium
and levied as per extant tax laws.
Please visit our website or ask your financial advisor for the benefit illustration for your policy.

Your options
Surrendering your Policy
Your policy will acquire a Surrender Value after all due premiums for at least 2 years is paid.
The Guaranteed Surrender Value is 30% of premiums paid excluding premiums paid in the first
year less any benefits paid. Any premiums paid towards underwriting extras are also excluded.
Your policy will be eligible for a Special Surrender Value once it has completed 3 policy years.
The policy shall be terminated once the Surrender Value is paid. Please ask your financial
advisor for an illustration of the Special Surrender Values applicable to your policy.
Taking a Policy Loan
You may take a loan against your policy once it has acquired a Surrender Value. The minimum
loan amount is ` 5,000 and the maximum is 90% of your Surrender Value. We shall charge
interest on the outstanding loan balance at a rate determined by us on April 1st of each
calendar year and is equal to the base rate of the State Bank of India plus 200 basis points.
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. Should the outstanding
policy loan balance equal or exceed the Surrender Value of your policy at any time, then
the policy shall be lapsed without value. Note that prior to this happening, we shall give you
an opportunity to repay all or part of your outstanding loan balance in order for your policy to
continue uninterrupted. We shall notify you when your outstanding loan balance is 95% or
more of your Surrender Value.
Terms & conditions
Free-Look Period
Within 15 days (30 days in case the policy issued under the provisions of IRDA Guidelines on
Distance Marketing of Insurance products) from the date of receipt of the policy, you have the
option to review the terms and conditions and return the policy, if you disagree to any of the
terms and conditions, stating the reasons for your objections.
You will be entitled to refund of the premium paid, subject to deduction of proportionate
risk premium for the period on cover and the expense incurred on medical examination and
stamp duty charges.
Grace Period & Reinstatement
If you are unable to pay your premium by the due date, you will be given a grace period of 30
days and during this grace period all coverage under your policy will continue. If you do not
pay your premium within the grace period, the following will be applicable:

a) In case you have not paid premiums for three full years, then all benefits under your policy
will cease immediately, the Guaranteed Surrender Value, if any, will be paid and your policy
shall be terminated.
b) In case you have paid premiums for at least three full years, 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
first 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. Upon
reinstatement, your benefits shall be restored to their full value.
Tax Benefits
As per extant tax laws, this plan offers tax benefits under Section 80C and Section 10(10D) of
the Income Tax Act, 1961.
• Under Section 80C, premiums up to ` 1,00,000 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 exclusions mentioned therein
Exclusions
We will only refund the premiums paid to date in the event the life insured dies by suicide,
whether medically sane or insane, within one year after the issue date or the reinstatement
date of the policy.

Nomination and Assignment
In case you the policyholder is also the life insured, you need to nominate a person who shall
be entitled to the death benefit in case of death. This nomination shall be in accordance
with Section 39 of the Insurance Act, 1938. You also have the right to assign your policy in
accordance with Section 38 of the Insurance Act, 1938.
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.
Any person making default in complying with the provisions of this section shall be punishable
with a fine which may extend to five hundred rupees.
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
About Birla Sun Life Insurance
Birla Sun Life Insurance Company Limited (BSLI) is a joint venture between the Aditya Birla
Group, a well known Indian conglomerate and Sun Life Financial Inc., one of the leading
international financial services organizations from Canada. With an experience of over a decade,
BSLI has contributed to the growth and development of the Indian life insurance industry
and currently is one of the leading Life Insurance companies in the country. BSLI offers a
complete range of offerings comprising of Protection Solutions, Children's Future Solutions,

Wealth with Protection Solutions, Health and Wellness Solutions as well as Retirement
Solutions and has an extensive distribution reach over 500 cities through its network of 632
branches, over 132,816 empanelled advisors and over 200 partnerships with Corporate
Agents, Brokers and Banks. The AUM of Birla Sun Life Insurance is close to ` 15,726 Crores
and it has a robust capital base of over ` 2450 Crores as on May 30, 2012. For more
information, please visit www.birlasunlife.com
About Aditya Birla Financial Services Group (ABFSG)
Aditya Birla Financial Services Group (ABFSG) ranks among the top 5 fund managers in
India (excluding banks and LIC) with an AUM of ~USD 17.5 billion. Having a strong presence
across the life insurance, asset management, NBFC, private equity, retail broking, distribution
& wealth management and general insurance broking businesses, ABFSG is committed to
serve the end-to-end financial services needs of its retail and corporate customers. The seven
companies representing ABFSG are Birla Sun Life Insurance Company Ltd., Birla Sun Life
Asset Management Company Ltd., Aditya Birla Finance Ltd., Aditya Birla Capital Advisors Pvt.
Ltd., Aditya Birla Money Ltd., Aditya Birla Money Mart Ltd., and Aditya Birla Insurance Brokers
Ltd. In FY 2011-12, ABFSG reported consolidated revenue from these businesses at ` 6550
Crores (USD 1.3 billion) and earnings before tax at ` 600 Crores. Anchored by about 17,000
employees and trusted by about 5.5 million customers, ABFSG has a nationwide reach
through more than 1,775 points of presence and about 200,000 agents / channel partners.
About Sun Life Financial
Sun Life Financial is a leading international financial services organization providing a
diverse range of protection and wealth accumulation products and services to individuals
and corporate customers. Chartered in 1865, Sun Life Financial and its partners today have
operations in key markets worldwide, including Canada, the United States, the United
Kingdom, Ireland, Hong Kong, the Philippines, Japan, Indonesia, India, China and Bermuda.
As of March 31, 2012, the Sun Life Financial group of companies had total assets under
management of $494 billion. For more information, please visit www.sunlife.com
Risk factors and disclaimers
This policy is underwritten by Birla Sun Life Insurance Company Limited (BSLI). This is a nonparticipating
traditional insurance plan. All terms & conditions are guaranteed throughout the
policy term. 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: 1800-270-7000
www.birlasunlife.com
Birla Sun Life Insurance Company Limited, One Indiabulls Centre, Tower 1, 15th & 16th Floor, Jupiter
Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai - 400 013. Registration No. 109
Unique No. 109N075V01 ADV/8/12-13/5380 VER1/Aug/2012