Birla SunLife Platinum Plus Iii Plan

Birla Sun Life Insurance Platinum Plus Plan

Birla Sun Life Insurance Company Limited

Confidential Copyright Birla Sun Life Insurance Company Limited 2008

BSLI Platinum Plus
Disclaimers
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
decision.
Birla Sun Life Insurance, BSLI Platinum Plus and Platinum Plus Fund III are only the
names of the Company, Policy and the 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.

UIN: 109L037V02
TRA/05/09-10/3329 For Internal Use Only

Birla Sun Life Insurance Company Limited 2

Copyright Birla Sun Life Insurance Company Limited 2008

Why should you let your money go anywhere else?

Protects your NAV and its growth



Why BSLI Platinum Plus Plan



The Plan – Basics

Entry Age of Life Insured
y g 18 to 70 years
y
Policy Term 10 years
Policy Features
Premium Paying Term 3 years
Premium Paying Frequency Annual / Semi-annual / Quarterly / Monthly
Minimum Policy Premium Rs. 50,000 per annum, Rs. 25,000 half yearly
Rs. 15,000 quarterly, Rs. 10,000 per month
Premium Reduction Not Allowed
Top-Up Premium Not Allowed
Partial Withdrawal Allowed
Sum Assured
Minimum 5 x Annual Premium
Maximum Subject to Underwriting



The Plan - Charges

Premium Allocation C a ge
e u oca o Charge 10% First Year Premium
(% of Premium Received) 4% Renewal Premium
Policy Administration Charge Rs. 720 in all years
plus in years 1 to 3 only 6 per 1000 SA
Surrender Charge 16.0% in year 1
(% of Annual Premium) 13.0% in year 2
10.0% in year 3
Nil thereafter
Mortality Charge (per 1000 SaR) 95% BSLI Table
Miscellaneous Charges
Revival f Policy
R i l of P li Rs.
R 100
Premium Redirection N/A
Fund Switch N/A
Partial Withdrawal Nil



The Plan
Welcome to Innovation

Premium Allocated*
when to purchase units in
received Platinum Plus Fund III

Applications to participate in Platinum Plus Fund III
will be accepted until August 16, 2009
p g ,
{No need to select Investment fund option in the application}

Guaranteed Maturity Unit Price

HIGHEST Unit Price in 7 years
recorded on business days between May 15, 2009 to August 16, 2016
is Minimum Value of Units at Maturity
*Premium net of premium allocation charge is allocated



The Plan – Platinum Plus Fund III

Objective – to optimise the participation in an actively managed well diversified equity
portfolio of fundamentally strong blue chip companies while using debt instruments &
derivatives to lock-in capital appreciations.
Derivatives are for hedging purposes only and as approved by the IRDA.

Risk profile is high and asset allocation is –
0 – 40% in Money Market & Cash
y
0 – 100% in Debt Instruments & Derivatives
0 – 100% in Equities & Equity Related Securities

Initial asset allocation in equities – 80% to 100%

Fund Management Charge 1.50% p.a.



The Plan – Guarantee

Guaranteed Maturity Unit Price
Starts at Rs. 10 on the first business day which is May 15, 2009
Until August 16, 2016, increased on subsequent business days to then prevailing price of
Platinum Plus Fund III, if higher
, g
Applies only at maturity and not in case of death, surrender or partial withdrawal



The Plan - Benefits

Death Benefit
Higher of Fund Value or Sum Assured (less applicable partial withdrawals)
Fund Value is not guaranteed in any way

Surrender Benefit
Full liquidity after 3 policy years – 100% Fund Value
Fund Value is not guaranteed in any way

Maturity Benefit
100% Fund Value plus an amount equal to
the number of units at maturity; times
any excess of the Guaranteed Maturity Unit Price over the then prevailing unit price
of Platinum Plus Fund III

Value of Units at Maturity is HIGHEST Unit Price



Let the Experts do all the Work for You

Strategy – Allocation between equities and fixed income instruments will be dynamically
managed. The equity investment strategy will revolve around building and actively
managing a well-diversified equity portfolio of value & growth driven fundamentally strong
blue-chip companies by following a research-focused investment approach. On the fixed
income side, investments will be made in government securities, high rated corporate
bonds and money market instruments.

At inception, 80% to 100% of the assets will be invested in equities. However
subsequently, and particularly in case of a market decline, the assets may be more heavily
reallocated in debt instruments and money market funds. As a result, the future returns of
Platinum Plus Fund III may be lower than those of the equity market
market.



Let the Experts do all the Work for You

Strategy – At Work
gy
Following Hypothetical Fund Performance is for illustrative purposes only and in no way is
meant to indicate the expected future performance of the Platinum Plus Fund III. Platinum
Plus Fund III may or may not outperform other investment fund options.

Although hypothetical, the example does reflect how the company would have dynamically
managed assets of Platinum Plus Fund III under such circumstances.

In this plan prior to maturity, the investment risk in the
investment funds is borne by you. Investment funds are
subject to investment risks associated with the capital
j p
markets and unit prices may go up or down reflecting
the market value of the underlying assets. Past
performance is no guarantee of future results.



Hypothetical Fund Performance (FMC – 1 50%)
1.50%)



1.50%)

Interesting scenario in second year
Unit Price of Platinum Plus Fund III is 8.4714
Yet Guaranteed Maturity Unit Price (GMUP) is 10.0000
Second Year Premium of Rs. 100,000 (less 4% Premium Allocation Charge)
Buys about 11,332 units (96,000 divided by 8.4714)
Yet units will mature for no less than Rs. 113,322 (11,332 units x GMUP 10)
Enjoy the best of both worlds!
j y
If Platinum Plus Fund III performs well – why not invest more
Otherwise – why not invest more given the unique guarantee at maturity
In either case, you are a winner!
,y

Kindly note - Not all units will necessarily mature due to Policy Administration & Mortality
Charges which are covered by redeeming units on a monthly basis.



1.50%)
Sample Illustration using Male with Issue Age 40
Platinum Plus Fund III Start of Year End of Year
Policy Annual Year-End Year-End Premium Units Units Unit Fund GMUP
Year Return Unit Price GMUP Paid Purchased Redeemed Balance Value Value
Issue 10.0000 10.0000
1 %
-15.3% 8.4714 10.0000 100,000
, 9,000
, 544 8,456
, 71,637
, 84,564
,
2 46.2% 12.3838 12.3838 100,000 11,332 533 19,256 238,458 238,458
3 33.9% 16.5844 17.9494 100,000 7,752 313 26,695 442,714 479,152
4 27.2% 21.0947 22.0997 - - 47 26,648 562,128 588,908
5 -9.2% 19.1541 22.0997 - - 36 ,
26,612 509,728
, 588,116
,
6 20.1% 23.0103 23.0103 - - 36 26,576 611,512 611,512
7 -2.9% 22.3391 24.1253 - - 32 26,543 592,953 640,365
8 0.4% 22.4219 24.1253 - - 32 26,511 594,437 639,597
9 5.9% 23.7500 24.1253 - - 31 ,
26,480 628,906
, 638,845
,
10 5.2% 24.9924 24.1253 - - 30 26,451 661,066 638,130

Guaranteed Maturity Unit Price is highest unit price of Platinum Plus Fund III recorded on Business
days between May 15, 2009 and August 16, 2016.
Units Purchased is Premium (net of Premium Allocation Charge) ÷ by unit price at that time
time.
Units Redeemed reflect Policy Administration & Mortality Charges covered on a monthly basis.



Actual Fund Performance - Platinum Plus Fund II
11.00 Platinum Plus Fund II Guaranteed Maturity Unit Price

10.00

9.00

8.00

7.00 Despite fall in markets,
policyholders continue
6.00
to enjoy guaranteed
maturity value of 10.25
5.00

7‐Jan

4‐Mar
14‐Jan
21‐Jan
28‐Jan
3‐Dec

11‐Mar
18‐Mar
25‐Mar
1‐Oct
8‐Oct

5‐Nov

10‐Dec
17‐Dec
24‐Dec
31‐Dec

4‐Feb

1‐Apr
8‐Apr
15‐Oct
22‐Oct
29‐Oct
10‐Sep
17‐Sep
24‐Sep

12‐Nov
19‐Nov
26‐Nov

11‐Feb
18‐Feb
25‐Feb

15‐Apr
22‐Apr
29‐Apr
NAV as on 30th April’09 : 10.33
p
Guaranteed returns in volatile markets
Despite providing guaranteed maturity unit price (GMUP) to its policyholders, the fund has
maintained higher equity exposure
Policyholders will continue to enjoy the upside while the downside is protected by GMUP (i e 10 25
(i.e. 10.25
as on 15th April, 09)


BSLI Platinum Plus Plan
Designed with features to suit your needs

Innovating to achieve wealth creation & protection solutions

Convenience through shorter payment period & full liquidity

Structured well-diversified portfolio with quality professional advice

Commitment through guarantees

A premier plan which takes cares of your Ins rance and Investment worries!
hich o r Insurance In estment orries!



Thank You

Birla Sun Life Insurance Company Limited

Birla SunLife Platinum Plus Iii Plan

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