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Birla Sun Life Insurance Platinum Plus Plan
Confidential Copyright Birla Sun Life Insurance Company Limited 2008
Birla Sun Life Insurance Company Limited
BSLI Platinum Plus
� 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.
� Birla Sun Life Insurance, BSLI Platinum Plus and Platinum Plus Fund IV are only the
Disclaimers
Birla Sun Life Insurance Company Limited
Copyright Birla Sun Life Insurance Company Limited 2008
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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.
For Internal Use Only
Prepared by Product Management
UIN: 109L037V02
TRA/09/09-10/3595
Why should you let your money go anywhere else?
Birla Sun Life Insurance Company Limited
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Protects your NAV and its growth
Why BSLI Platinum Plus Plan
Birla Sun Life Insurance Company Limited
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The Plan – Basics
Entry Age of Life Insured
Policy Term
Policy Features
Premium Paying Term
Premium Paying Frequency
Minimum Policy Premium
18 to 70 years
10 years
3 years
Annual / Semi-annual / Quarterly / Monthly
Rs. 50,000 per annum, Rs. 25,000 half yearly
Birla Sun Life Insurance Company Limited
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Minimum Policy Premium
Premium Reduction
Top-Up Premium
Partial Withdrawal
Sum Assured
Minimum
Maximum
Rs. 50,000 per annum, Rs. 25,000 half yearly
Rs. 15,000 quarterly, Rs. 10,000 per month
Not Allowed
Not Allowed
Allowed
5 x Annual Premium
Subject to Underwriting
The Plan - Charges
Premium Allocation Charge
(% of Premium Received)
Policy Administration Charge
plusplus in years 1 to 3 only
Surrender Charge
(% of Annual Premium)
10% First Year Premium
4% Renewal Premium
Rs. 720 in all years
6 per 1000 SA
16.0% in year 1
13.0% in year 2
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(% of Annual Premium)
Mortality Charge (per 1000 SaR)
Miscellaneous Charges
Revival of Policy
Premium Redirection
Fund Switch
Partial Withdrawal
13.0% in year 2
10.0% in year 3
Nil thereafter
95% BSLI Table
Rs. 100
N/A
N/A
Nil
The Plan
Welcome to Innovation
Premiumwhen
received
Allocated*to purchase units in
Platinum Plus Fund IV
Applications to participate in Platinum Plus Fund IVApplications to participate in Platinum Plus Fund IV
Birla Sun Life Insurance Company Limited
Copyright Birla Sun Life Insurance Company Limited 2008
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Guaranteed Maturity Unit Price
HIGHEST Unit Price in 7 years
recorded on business days between September 15, 2009 to December 15, 2016
is Minimum Value of Units at Maturity
Applications to participate in Platinum Plus Fund IVApplications to participate in Platinum Plus Fund IV
will be accepted until December 15, 2009will be accepted until December 15, 2009{No need to select Investment fund option in the application}
*Premium net of premium allocation charge is allocated
The Plan – Platinum Plus Fund IV
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 –
Birla Sun Life Insurance Company Limited
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Risk profile is high and asset allocation is –
0 – 40% in Money Market & Cash
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 September 15, 2009
� Until December 15, 2016, increased on subsequent business days to then prevailing
price of Platinum Plus Fund IV, if higher
� Applies only at maturity and not in case of death, surrender or partial withdrawal
Birla Sun Life Insurance Company Limited
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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
Birla Sun Life Insurance Company Limited
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� 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 IV
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.
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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 IV may be lower than those of the equity market.
Let the Experts do all the Work for You
Strategy – At Work
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 IV. Platinum
Plus Fund IV 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 IVunder such circumstances.
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managed assets of Platinum Plus Fund IVunder 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
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%)
Birla Sun Life Insurance Company Limited
Copyright Birla Sun Life Insurance Company Limited 2008
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IV
* For illustrative purpose only* For illustrative purpose only
Hypothetical Fund Performance (FMC – 1.50%)
Interesting scenario in second year
� Unit Price of Platinum Plus Fund IV 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)
Birla Sun Life Insurance Company Limited
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� Yet units will mature for no less than Rs. 113,322 (11,332 units x GMUP 10)
Enjoy the best of both worlds!
� If Platinum Plus Fund IV performs well – why not invest more
� Otherwise – why not invest more given the unique guarantee at maturity
In either case, you are a winner!
Kindly note - Not all units will necessarily mature due to Policy Administration & Mortality
Charges which are covered by redeeming units on a monthly basis.
Sample Illustration using Male with Issue Age 40
Hypothetical Fund Performance (FMC – 1.50%)
Platinum Plus Fund IV
Policy Annual Year-End Year-End
Year Return Unit Price GMUP
Issue 10.0000 10.0000
1 -15.3% 8.4714 10.0000
2 46.2% 12.3838 12.3838
3 33.9% 16.5844 17.9494
Start of Year
Premium Units Units
Paid Purchased Redeemed
100,000 9,000 544
100,000 11,332 533
100,000 7,752 313
End of Year
Unit Fund GMUP
Balance Value Value
8,456 71,637 84,564
19,256 238,458 238,458
26,695 442,714 479,152
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� Guaranteed Maturity Unit Price is highest unit price of Platinum Plus Fund IV recorded on Business
days between September 15, 2009 and December 15, 2016.
� Units Purchased is Premium (net of Premium Allocation Charge) ÷ by unit price at that time.� Units Redeemed reflect Policy Administration & Mortality Charges covered on a monthly basis.
3 33.9% 16.5844 17.9494
4 27.2% 21.0947 22.0997
5 -9.2% 19.1541 22.0997
6 20.1% 23.0103 23.0103
7 -2.9% 22.3391 24.1253
8 0.4% 22.4219 24.1253
9 5.9% 23.7500 24.1253
10 5.2% 24.9924 24.1253
100,000 7,752 313
- - 47
- - 36
- - 36
- - 32
- - 32
- - 31
- - 30
26,695 442,714 479,152
26,648 562,128 588,908
26,612 509,728 588,116
26,576 611,512 611,512
26,543 592,953 640,365
26,511 594,437 639,597
26,480 628,906 638,845
26,451 661,066 638,130
Actual Fund Performance - Platinum Plus Fund II
7.00
8.00
9.00
10.00
11.00 Platinum Plus Fund II Guaranteed Maturity Unit Price
Despite fall in markets,
policyholders continue
Birla Sun Life Insurance Company Limited
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� 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
as on 15th April, 09)
NAV as on 30th April’09 : 10.33
5.00
6.00
10
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policyholders continue
to enjoy guaranteed
maturity value of 10.25
BSLI Platinum Plus Plan
with features to suit your needs
through shorter payment period & full liquidity
to achieve wealth creation & protection solutions
well-diversified portfolio with quality professional advice
through guarantees
Designed
Innovating
Convenience
Structured
Commitment
Birla Sun Life Insurance Company Limited
Copyright Birla Sun Life Insurance Company Limited 2008
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A premier plan which takes cares of your Insurance and Investment worries!
Thank You
Birla Sun Life Insurance Company Limited
Copyright Birla Sun Life Insurance Company Limited 2008