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BSLI Protector Plan
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| s you achieve new heights of success over time, your
lifestyle improves in step with your progress. So does the cost of
living, thanks to a steady rise in inflation rates. You need a plan that
ensures your loved ones enjoy the same lifestyle even under unforeseen
circumstances. Birla Sun Life Insurance offers you the perfect
protection solutions with BSLI Protector Plans. These are affordable
plans that grow in step with your growing needs, thanks to an increasing
Sum Assured year after year, at the same premium. The plans include BSLI Protector Plan and BSLI Protector Plus Plan. |
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| As you progress through life, your needs and that of
your loved ones grow and change over time. However, life being
uncertain, you need to ensure that your family enjoys the same
lifestyle, even when you are not around. BSLI Protector Plan provides complete financial freedom to your loved ones, even in your absence, so that they continue to live in comfort. |
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| BSLI Protector Plan |
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| Key Features : |
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- Complete financial protection at an affordable cost
- Hedge against the rising cost of living with an option of increasing Sum Assured
- Enhanced insurance with appropriate rider options
- Income Tax benefits as per prevailing norms under the Income Tax Act, 1961
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| Annual Premiums for BSLI Protector Plan |
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| BSLI Protector Plan offers affordable and guaranteed
protection for everyone. It also offers automatic premium reduction to
women. Given below are sample annual premiums for male and female, both
aged 35, with a Sum Assured of Rs.20,00,000, under Level Sum Assured and
Increasing Sum Assured options: |
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| Policy Term |
5 years |
10 years |
20 years |
30 years |
5 years |
10 years |
20 years |
30 years |
| Sum Assured Option |
Male |
Female |
| Level |
3,130 |
3,610 |
4,920 |
6,060 |
2,890 |
3,230 |
4,170 |
5,000 |
| Increasing @ 5% |
3,280 |
4,070 |
6,590 |
9,620 |
3,010 |
3,590 |
5,400 |
7,680 |
| Increasing @ 10% |
3,430 |
4,540 |
8,270 |
13,360 |
3,140 |
3,960 |
6,680 |
10,490 |
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| Premiums shown above are prior to service tax and education cess as applicable. |
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| Plan Summary |
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| Entry Age |
18 to 65 years of age |
| Sum Assured Option |
I - Level Sum Assured
II - Increasing Sum Assured |
| Policy Term |
5 to 30 years, subject to max. age on maturity: 75 years |
| Premium Paying Term |
Regular Pay |
| Premium Mode |
Annual | Semi-annual | Quarterly | Monthly |
| Sum Assured |
Min. Rs. 5,00,000
Max. Rs. 49,99,999 |
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| Please ask your financial advisor or visit our website to determine the premium rate applicable for your policy. |
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| Other Benefits : |
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| Death Benefit:
In case of the unfortunate demise of the life insured during the policy
term, the Sum Assured as per chosen option will be paid to the nominee.
The policy shall be terminated once the Death Benefit is paid. |
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| Maturity Benefit:
In the event the life insured survives to the end of the policy term,
no benefit is payable on maturity and the policy shall be terminated
thereafter. |
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| This plan offer no policy loan, surrender value or paid-up value. |
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| This plan offer the following Rider options, to enhance your financial security |
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| For added protection, BSLI Protector Plan can be enhanced by the following riders for a nominal extra cost: |
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| Critical Illness Rider (UIN: 109C019V01):
On diagnosis of any of the four illnesses - Heart Attack, Cancer, Major
Organ Transplant and Stroke, you will receive upto 100% of the Rider
Sum Assured. |
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| Accidental Death and Disability Rider (UIN: 109C018V01):
In the event of death due to an accident, your nominee will receive the
chosen Rider Sum Assured upto a maximum of Rs. 50,00,000. In the event
of disability due to an accident, you will receive a fixed percentage of
the Rider Sum Assured, depending on the type of injury. |
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| Hospital Care Rider (UIN: 109C016V01):
In the event that you are hospitalised for treatment, you will receive
Daily Cash Benefit to take care of your expenses. In case you are
treated in an Intensive Care Unit, you will receive an enhanced Daily
Cash Benefit. To help you cover your recuperation expenses, you will be
paid a lump sum amount, in case you are hospitalised for more than seven
days for the same disease. |
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| Surgical Care Rider (UIN: 109C015V01): In case you are hospitalised to undergo a surgery, you will be paid a lump sum amount to cover your expenses. |
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| Waiver of Premium Rider (UIN: 109C017V01):
In case life insured/policyholder is unable to pay the policy premiums
due to a disability, critical illness or untimely demise, all future
premiums of the base plan and the attached riders will be paid by BSLI
and all policy benefits will continue.. |
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| For further details, please refer to detailed brochures on riders, consult your financial advisor or visit our website. |
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| Disclaimers |
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This
is a non-participating traditional term insurance plan. All terms &
conditions are guaranteed throughout the policy term.Tax benefits are
subject to changes in the tax laws. Insurance is the subject matter of
solicitation. For more details on terms and conditions, please refer
product brochure. Regd. Office: One Indiabulls Centre, Tower 1, 15th
& 16th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg,
Elphinstone Road, Mumbai - 400 013. Reg No. 109 BSLI Protector Plan
Unique No.: 109N072V01 ADV/5/11-12/4629 Version No.: VER 1/June/2011
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| Unique No.: 109N072V01 |
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