Regd. Office: 6th Floor, Vaman Centre, Makhwana Road, Off Andheri-Kurla Road, Near Marol Naka, Andheri (East), Mumbai 400 059. Reg. No. 109 Unique No.: 109L020V02ADV/03/08-09/3223 VER 9/MAY/2009

Call Toll-free: 1-800-270-7000 www.birlasunlife.com sms ‘PRIME’ to 56161

PrimeLife Premier

Birla Sun Life Insurance

Single premium plan with investment optionsand financial security for your family

Why should a single premium paymentreduce your options of growth?

In this policy, the investment risk in investment portfolio is borne by

the policyholder.

For the select few like you, settling for anything short of the best is an unthinkable

compromise.

We, at Birla Sun Life Insurance, understand you and hence have created a plan that

keeps pace with your ever-growing success.

PrimeLife Premier is a plan that not only helps you save for future but also lets you

reap rich benefits from the investments of your choice. We realize that when you look

at a life insurance policy, you look for something that will act as a protector as well as

an enhancer.

The unit linked, investment-oriented single premium insurance plan is as flexible as

life and will help you strike the right proportion between protection and savings.

Birla Sun Life Insurance Company Limited is a joint venture between The Aditya Birla

Group, one of the largest business houses in India and Sun Life Financial Inc., a

leading international financial services organization. The local knowledge of the Aditya

Birla Group combined with the expertise of Sun Life Financial Inc., offers a formidable

protection for your future.

ABOUT BIRLA SUN LIFE INSURANCE

The Aditya Birla Group has a turnover of close to Rs. 119000 crores, with a market stcapitalization of Rs. 133875 crores (as on 31 March 2008). It has over 100,000

employees across all its units worldwide. It is led by its Chairman - Mr. Kumar Mangalam

Birla. Some of its key companies are Hindalco, Grasim and Aditya Birla Nuvo.

Sun Life Financial Inc. and its partners, have operations in key markets worldwide.

These include Canada, the United States, the United Kingdom, Hong Kong, the

Philippines, Japan, Indonesia, India, China and Bermuda. Sun Life Financial Inc. has stassets under management of over US$404.7 billion (as on 31 March, 2008). It is a

leading performer in the life insurance market in Canada.

Birla Sun Life Insurance (BSLI) has been operating for 9 years. It has contributed

significantly to the growth and development of the life insurance industry in India.

It pioneered the launch of Unit Linked Life Insurance plans amongst the private

players in India. It was the first player in the industry to sell its policies through the

Bancassurance route and through the Internet. It was the first private sector player to

introduce a Pure Term plan in the Indian market. BSLI has covered more than 2 million

lives since it commenced operations and its customer base is spread across more

than 1500 towns and cities in India. The company has a capital base of Rs. 1274.5stcrores as on 31 March 2008

* Refer details in the table given below

SUPERIOR BENEFITS OF THE PLANS:

DETAILED BENEFITS OF THE PLAN:

•

•

•

•

•

•

The plan is a unit linked non participating endowment plan

It offers a choice of nine Investment Fund Options to choose from depending on

your risk profile and the flexibility to allocate the premiums (including top ups) in

varying proportions into the different funds

A one time premium payment with option to top up your Investment Fund

whenever you have additional savings

Guaranteed Addition in the form of additional units added to the Fund Value at

the end of 10 years and every 5 years thereafter

High liquidity in the form of partial withdrawals and surrender benefits

Death benefits which are favorable at all times to the customer (higher of Sum

Assured or Fund Value)*

PrimeLife Premier

Entry Age Min - 30 days; Max - 65 years

Maturity Age 70 yrs

Premium Term Single Pay

Minimum Duration 5 years

Minimum Premium Rs. 50,000

Sum Assured "5" times of the Life Insurance premium. Minimum Sum Assured

will be Rs. 250,000

In this policy, the investment risk in investment portfolio is borne by

the policyholder.

For the select few like you, settling for anything short of the best is an unthinkable

compromise.

We, at Birla Sun Life Insurance, understand you and hence have created a plan that

keeps pace with your ever-growing success.

PrimeLife Premier is a plan that not only helps you save for future but also lets you

reap rich benefits from the investments of your choice. We realize that when you look

at a life insurance policy, you look for something that will act as a protector as well as

an enhancer.

The unit linked, investment-oriented single premium insurance plan is as flexible as

life and will help you strike the right proportion between protection and savings.

Birla Sun Life Insurance Company Limited is a joint venture between The Aditya Birla

Group, one of the largest business houses in India and Sun Life Financial Inc., a

leading international financial services organization. The local knowledge of the Aditya

Birla Group combined with the expertise of Sun Life Financial Inc., offers a formidable

protection for your future.

ABOUT BIRLA SUN LIFE INSURANCE

The Aditya Birla Group has a turnover of close to Rs. 119000 crores, with a market stcapitalization of Rs. 133875 crores (as on 31 March 2008). It has over 100,000

employees across all its units worldwide. It is led by its Chairman - Mr. Kumar Mangalam

Birla. Some of its key companies are Hindalco, Grasim and Aditya Birla Nuvo.

Sun Life Financial Inc. and its partners, have operations in key markets worldwide.

These include Canada, the United States, the United Kingdom, Hong Kong, the

Philippines, Japan, Indonesia, India, China and Bermuda. Sun Life Financial Inc. has stassets under management of over US$404.7 billion (as on 31 March, 2008). It is a

leading performer in the life insurance market in Canada.

Birla Sun Life Insurance (BSLI) has been operating for 9 years. It has contributed

significantly to the growth and development of the life insurance industry in India.

It pioneered the launch of Unit Linked Life Insurance plans amongst the private

players in India. It was the first player in the industry to sell its policies through the

Bancassurance route and through the Internet. It was the first private sector player to

introduce a Pure Term plan in the Indian market. BSLI has covered more than 2 million

lives since it commenced operations and its customer base is spread across more

than 1500 towns and cities in India. The company has a capital base of Rs. 1274.5stcrores as on 31 March 2008

* Refer details in the table given below

SUPERIOR BENEFITS OF THE PLANS:

DETAILED BENEFITS OF THE PLAN:

•

•

•

•

•

•

The plan is a unit linked non participating endowment plan

It offers a choice of nine Investment Fund Options to choose from depending on

your risk profile and the flexibility to allocate the premiums (including top ups) in

varying proportions into the different funds

A one time premium payment with option to top up your Investment Fund

whenever you have additional savings

Guaranteed Addition in the form of additional units added to the Fund Value at

the end of 10 years and every 5 years thereafter

High liquidity in the form of partial withdrawals and surrender benefits

Death benefits which are favorable at all times to the customer (higher of Sum

Assured or Fund Value)*

PrimeLife Premier

Entry Age Min - 30 days; Max - 65 years

Maturity Age 70 yrs

Premium Term Single Pay

Minimum Duration 5 years

Minimum Premium Rs. 50,000

Sum Assured "5" times of the Life Insurance premium. Minimum Sum Assured

will be Rs. 250,000

Top-ups You can top up the Fund whenever you have additional savings

during the tenure of the policy. The minimum amount of top ups

will be Rs. 10,000. The maximum amount of Top Up Premiums

in any Policy Year will be limited to lower of Policy premium or

Rs. 500,000.

The life insurance coverage will increase if the cumulative top up

amount exceeds 25% of the single premium amount. The

additional Sum Assured will be 125% of the excess top up

premium and is subject to the administrative and underwriting

rules of the company.

Any top up premium made during the period of the contract

cannot be withdrawn for three years from the date of payment

of that Top Up premium except the Top Up premiums paid in

the last three years of the Policy tenure

Investment Fund Options Income Advantage, Assure, Protector, Builder, Enhancer,

Creator, Magnifier, Maximiser and Multiplier

Amount due to nominee Higher of the Fund Value or the Sum Assured less all applicable

in the event of death of Partial Withdrawals made within 24 months preceding the death

the life insured of the life insured.

In the event of the death of the life insured till the age of 5, only

the Fund Value is payable.

In case of death at the age of 60 or above, the Sum Assured will

be reduced by the applicable Partial Withdrawals made since

the life insured attained the age of 58.

Surrender benefits The policy can be surrendered anytime during the tenure of the thpolicy. The Surrender Charges will be zero after the 4 Policy

Year. In case of surrender in the first three Policy Years, the rdSurrender Value will be paid to you only after the 3 Policy Year.

Maturity Benefits Fund Value

Guaranteed benefits Guaranteed Addition in the form of additional units will be added

to the Fund Value on the 10th policy anniversary and on every

5th policy anniversary thereafter while your policy is in effect.

The additional units will be equivalent to 2% of the average Fund

value at the preceding sixty monthly policy dates

Partial Withdrawals Partial withdrawals can be made anytime after three Policy Years

or when the life insured attains 18 years of age, whichever is

later. You can make two Partial Withdrawals free of charge in

every policy year.

The minimum Partial withdrawal amount is Rs. 25,000.

The maximum Partial Withdrawal amount in a Policy Year is

any amount subject to the Policy having a balance Fund Value

of Rs. 25,000 and Surrender Charges applicable in the year of

Partial Withdrawal or sum of any Top Up premiums made,

if any, in the preceding 3 years, whichever is higher

Switch between You can switch between Investment Fund anytime during

Investment Funds the Policy term.

In a year two switches are free. Any additional switch will be

charged at a nominal rate.

Riders available Accidental Death & Dismemberment, Critical illness, Critical

Illness for Women & Term Rider

Tax Benefits You can avail of tax benefits under Sec 80 C and Sec 10(10D) of

the Income Tax Act 1961, and under Sec 80D on premiums

paid towards Critical Illness Rider.

For specific suitability, consult your tax advisor.

Top-ups You can top up the Fund whenever you have additional savings

during the tenure of the policy. The minimum amount of top ups

will be Rs. 10,000. The maximum amount of Top Up Premiums

in any Policy Year will be limited to lower of Policy premium or

Rs. 500,000.

The life insurance coverage will increase if the cumulative top up

amount exceeds 25% of the single premium amount. The

additional Sum Assured will be 125% of the excess top up

premium and is subject to the administrative and underwriting

rules of the company.

Any top up premium made during the period of the contract

cannot be withdrawn for three years from the date of payment

of that Top Up premium except the Top Up premiums paid in

the last three years of the Policy tenure

Investment Fund Options Income Advantage, Assure, Protector, Builder, Enhancer,

Creator, Magnifier, Maximiser and Multiplier

Amount due to nominee Higher of the Fund Value or the Sum Assured less all applicable

in the event of death of Partial Withdrawals made within 24 months preceding the death

the life insured of the life insured.

In the event of the death of the life insured till the age of 5, only

the Fund Value is payable.

In case of death at the age of 60 or above, the Sum Assured will

be reduced by the applicable Partial Withdrawals made since

the life insured attained the age of 58.

Surrender benefits The policy can be surrendered anytime during the tenure of the thpolicy. The Surrender Charges will be zero after the 4 Policy

Year. In case of surrender in the first three Policy Years, the rdSurrender Value will be paid to you only after the 3 Policy Year.

Maturity Benefits Fund Value

Guaranteed benefits Guaranteed Addition in the form of additional units will be added

to the Fund Value on the 10th policy anniversary and on every

5th policy anniversary thereafter while your policy is in effect.

The additional units will be equivalent to 2% of the average Fund

value at the preceding sixty monthly policy dates

Partial Withdrawals Partial withdrawals can be made anytime after three Policy Years

or when the life insured attains 18 years of age, whichever is

later. You can make two Partial Withdrawals free of charge in

every policy year.

The minimum Partial withdrawal amount is Rs. 25,000.

The maximum Partial Withdrawal amount in a Policy Year is

any amount subject to the Policy having a balance Fund Value

of Rs. 25,000 and Surrender Charges applicable in the year of

Partial Withdrawal or sum of any Top Up premiums made,

if any, in the preceding 3 years, whichever is higher

Switch between You can switch between Investment Fund anytime during

Investment Funds the Policy term.

In a year two switches are free. Any additional switch will be

charged at a nominal rate.

Riders available Accidental Death & Dismemberment, Critical illness, Critical

Illness for Women & Term Rider

Tax Benefits You can avail of tax benefits under Sec 80 C and Sec 10(10D) of

the Income Tax Act 1961, and under Sec 80D on premiums

paid towards Critical Illness Rider.

For specific suitability, consult your tax advisor.

NINE INVESTMENT FUND OPTIONS. ONE COMFORTABLE LIFE.

Income Advantage

You can choose from nine Investment Fund Options to match your risk profile and

help you earn efficient returns on your Funds.

If you wish to diversify your risk, you can choose to allocate your premium in varying

proportion amongst the available investment Fund Options and create your own

Fund. You can switch* between the Investment Funds and change the Premium

Allocation Percentage into the various funds anytime during the policy tenure. In a year

two switches and two changes in Premium Allocation Percentage will be free.

The portfolio of the nine funds are as given below:

* In each Investment Fund Option, the Money Market & Cash asset allocation will not exceed 40%.Money Market Instruments are debt instruments of less than one year maturity. It includes mutual funds, collateralised borrowing & lending obligation, certificate of deposits, commercial papers etc. Investment in Money Market Instrument supports for better liquidity management.

See the risk profile of each Asset Class at the end of the brochure.

The Funds have a varying amount of debt and equity. You can select the Funds based

on your risk preference and switch between the Funds based on your needs.

Objective: To provide capital preservation and regular income, at a high level of safety

over a medium term horizon by investing in high quality debt instruments.

Investment Risk Asset Allocation * Min. Max.Fund Option Profile

Debt Instruments, Money Market & Cash 100% 100%Income VeryAdvantage Low Equities & Equity Related Securities 0% 0%

Debt Instruments, Money Market & Cash 100% 100%VeryAssure

Low Equities & Equity Related Securities 0% 0%

Debt Instruments, Money Market & Cash 90% 100%Protector Low

Equities & Equity Related Securities 0% 10%

Debt Instruments, Money Market & Cash 80% 90%Builder Low

Equities & Equity Related Securities 10% 20%

Debt Instruments, Money Market & Cash 65% 80%Enhancer Medium

Equities & Equity Related Securities 20% 35%

Debt Instruments, Money Market & Cash 50% 70%Creator Medium

Equities & Equity Related Securities 30% 50%

Debt Instruments, Money Market & Cash 10% 50%Magnifier High

Equities & Equity Related Securities 50% 90%

Debt Instruments, Money Market & Cash 0% 20%Maximiser High

Equities & Equity Related Securities 80% 100%

Debt Instruments, Money Market & Cash 0% 20%Multiplier High

Equities & Equity Related Securities 80% 100%

Strategy: To actively manage the fund by building a portfolio of fixed income instruments

with medium term duration. The fund will invest in government securities, high rated

corporate bonds, high quality money market instruments and other fixed income

securities. The quality of the assets purchased would aim to minimize the credit risk

and liquidity risk of the portfolio. The fund will maintain reasonable level of liquidity.

Objective: The primary objective of this Investment Fund Option is to provide Capital

Conservation, at a high level of safety and liquidity through judicious investments in

high quality short-term debt.

Strategy: Generate better return with low level of risk through investment into fixed

interest securities having short-term maturity profile.

Objective: The objective of this Investment Fund Option is to generate consistent

return through active management of fixed income portfolio and focus on creating

long-term equity portfolio, which will enhance yield of composite portfolio with

minimum risk appetite.

Strategy: To invest in fixed income securities with marginal exposure to equity up to

10% at low level of risk. This product is suitable for those who want to preserve

their capital and earn steady return on investment through higher exposure to

debt securities.

Assure

Protector

NINE INVESTMENT FUND OPTIONS. ONE COMFORTABLE LIFE.

Income Advantage

You can choose from nine Investment Fund Options to match your risk profile and

help you earn efficient returns on your Funds.

If you wish to diversify your risk, you can choose to allocate your premium in varying

proportion amongst the available investment Fund Options and create your own

Fund. You can switch* between the Investment Funds and change the Premium

Allocation Percentage into the various funds anytime during the policy tenure. In a year

two switches and two changes in Premium Allocation Percentage will be free.

The portfolio of the nine funds are as given below:

* In each Investment Fund Option, the Money Market & Cash asset allocation will not exceed 40%.Money Market Instruments are debt instruments of less than one year maturity. It includes mutual funds, collateralised borrowing & lending obligation, certificate of deposits, commercial papers etc. Investment in Money Market Instrument supports for better liquidity management.

See the risk profile of each Asset Class at the end of the brochure.

The Funds have a varying amount of debt and equity. You can select the Funds based

on your risk preference and switch between the Funds based on your needs.

Objective: To provide capital preservation and regular income, at a high level of safety

over a medium term horizon by investing in high quality debt instruments.

Investment Risk Asset Allocation * Min. Max.Fund Option Profile

Debt Instruments, Money Market & Cash 100% 100%Income VeryAdvantage Low Equities & Equity Related Securities 0% 0%

Debt Instruments, Money Market & Cash 100% 100%VeryAssure

Low Equities & Equity Related Securities 0% 0%

Debt Instruments, Money Market & Cash 90% 100%Protector Low

Equities & Equity Related Securities 0% 10%

Debt Instruments, Money Market & Cash 80% 90%Builder Low

Equities & Equity Related Securities 10% 20%

Debt Instruments, Money Market & Cash 65% 80%Enhancer Medium

Equities & Equity Related Securities 20% 35%

Debt Instruments, Money Market & Cash 50% 70%Creator Medium

Equities & Equity Related Securities 30% 50%

Debt Instruments, Money Market & Cash 10% 50%Magnifier High

Equities & Equity Related Securities 50% 90%

Debt Instruments, Money Market & Cash 0% 20%Maximiser High

Equities & Equity Related Securities 80% 100%

Debt Instruments, Money Market & Cash 0% 20%Multiplier High

Equities & Equity Related Securities 80% 100%

Strategy: To actively manage the fund by building a portfolio of fixed income instruments

with medium term duration. The fund will invest in government securities, high rated

corporate bonds, high quality money market instruments and other fixed income

securities. The quality of the assets purchased would aim to minimize the credit risk

and liquidity risk of the portfolio. The fund will maintain reasonable level of liquidity.

Objective: The primary objective of this Investment Fund Option is to provide Capital

Conservation, at a high level of safety and liquidity through judicious investments in

high quality short-term debt.

Strategy: Generate better return with low level of risk through investment into fixed

interest securities having short-term maturity profile.

Objective: The objective of this Investment Fund Option is to generate consistent

return through active management of fixed income portfolio and focus on creating

long-term equity portfolio, which will enhance yield of composite portfolio with

minimum risk appetite.

Strategy: To invest in fixed income securities with marginal exposure to equity up to

10% at low level of risk. This product is suitable for those who want to preserve

their capital and earn steady return on investment through higher exposure to

debt securities.

Assure

Protector

Creator

Magnifier

Maximiser

Multiplier

RIDERS

Objective: The objective of this Investment Fund Option is to achieve optimum

balance between growth and stability to provide long-term capital appreciation with

balanced level of risk by investing in fixed income securities and high quality equity

security. This fund option is for those who are willing to take average to high level of

risk to earn attractive returns over a long period of time.

Strategy: The strategy is to invest into fixed income securities & maintaining

diversified equity portfolio along with active fund management policyholder's wealth

in long run.

Objective: The objective of this Investment Fund Option is to maximize wealth by

managing diversified portfolio.

Strategy: The strategy is to invest in high quality equity security to provide long-term

capital appreciation with high level of risk. This Investment Fund is suitable for those

who want to have wealth maximization over long-term period with equity market

dynamics.

Objective: To provide long term capital appreciation by actively managing a well-

diversified equity portfolio of fundamentally strong blue chip companies. Further, the

fund seeks to provide a cushion against the sudden volatility in the equities through

some investments in short-term money market instruments.

Strategy: To build and actively manage a well-diversified equity portfolio of value

and growth driven stocks by following a research focused investment approach.

While appreciating the high risk associated with equities, the fund would attempt to

maximize the risk-return pay off for the long-term advantage of the policyholders. The

fund will also explore the option of having exposure to quality mid cap stocks. The

non-equity portion of the fund will be invested in good rated (P1/A1 & above) money

market instruments and fixed deposits. The fund will also maintain a reasonable

level of liquidity.

Objective: To provide long-term wealth maximization by actively managing a well-

diversified equity portfolio, predominantly comprising of companies whose market

capitalization is close to Rs. 1000 crores and above.

Strategy: To build and actively manage a well-diversified equity portfolio of value

& growth driven stocks by following a research driven investment approach. The

investments would be predominantly made in mid cap stocks, with an option to invest

30% in large cap stocks as well. While appreciating the high risk associated with

equities, the fund would attempt to maximize the risk-return pay-off for the long-term

advantage of the policyholders. The fund will also maintain reasonable level of liquidity.

You can further customize your Birla Sun Life Insurance Plan by adding riders to the

base plan at a marginal extra cost.

Builder

Enhancer

Objective: This Investment Fund Option helps build your capital and generate better

returns at moderate level of risk, over a medium or long-term period through a balance

of investment in equity and debt.

Strategy: Generate better return with moderate level of risk through active

management of fixed income portfolio and focus on creating long term equity portfolio

which will enhance yield of composite portfolio with low level of risk appetite.

Objective: This Investment Fund Option helps you grow your capital through

enhanced returns over a medium to long term period through investments in equity

and debt instruments, thereby providing a good balance between risk and return.

This fund is suitable for those who want to earn higher return on investment through

balanced exposure to equity and debt securities.

Strategy: To earn capital appreciation by maintaining diversified equity portfolio and

seek to earn regular return on fixed income portfolio by active management resulting

in wealth creation for policyholders.

Creator

Magnifier

Maximiser

Multiplier

RIDERS

Objective: The objective of this Investment Fund Option is to achieve optimum

balance between growth and stability to provide long-term capital appreciation with

balanced level of risk by investing in fixed income securities and high quality equity

security. This fund option is for those who are willing to take average to high level of

risk to earn attractive returns over a long period of time.

Strategy: The strategy is to invest into fixed income securities & maintaining

diversified equity portfolio along with active fund management policyholder's wealth

in long run.

Objective: The objective of this Investment Fund Option is to maximize wealth by

managing diversified portfolio.

Strategy: The strategy is to invest in high quality equity security to provide long-term

capital appreciation with high level of risk. This Investment Fund is suitable for those

who want to have wealth maximization over long-term period with equity market

dynamics.

Objective: To provide long term capital appreciation by actively managing a well-

diversified equity portfolio of fundamentally strong blue chip companies. Further, the

fund seeks to provide a cushion against the sudden volatility in the equities through

some investments in short-term money market instruments.

Strategy: To build and actively manage a well-diversified equity portfolio of value

and growth driven stocks by following a research focused investment approach.

While appreciating the high risk associated with equities, the fund would attempt to

maximize the risk-return pay off for the long-term advantage of the policyholders. The

fund will also explore the option of having exposure to quality mid cap stocks. The

non-equity portion of the fund will be invested in good rated (P1/A1 & above) money

market instruments and fixed deposits. The fund will also maintain a reasonable

level of liquidity.

Objective: To provide long-term wealth maximization by actively managing a well-

diversified equity portfolio, predominantly comprising of companies whose market

capitalization is close to Rs. 1000 crores and above.

Strategy: To build and actively manage a well-diversified equity portfolio of value

& growth driven stocks by following a research driven investment approach. The

investments would be predominantly made in mid cap stocks, with an option to invest

30% in large cap stocks as well. While appreciating the high risk associated with

equities, the fund would attempt to maximize the risk-return pay-off for the long-term

advantage of the policyholders. The fund will also maintain reasonable level of liquidity.

You can further customize your Birla Sun Life Insurance Plan by adding riders to the

base plan at a marginal extra cost.

Builder

Enhancer

Objective: This Investment Fund Option helps build your capital and generate better

returns at moderate level of risk, over a medium or long-term period through a balance

of investment in equity and debt.

Strategy: Generate better return with moderate level of risk through active

management of fixed income portfolio and focus on creating long term equity portfolio

which will enhance yield of composite portfolio with low level of risk appetite.

Objective: This Investment Fund Option helps you grow your capital through

enhanced returns over a medium to long term period through investments in equity

and debt instruments, thereby providing a good balance between risk and return.

This fund is suitable for those who want to earn higher return on investment through

balanced exposure to equity and debt securities.

Strategy: To earn capital appreciation by maintaining diversified equity portfolio and

seek to earn regular return on fixed income portfolio by active management resulting

in wealth creation for policyholders.

Accidental Death and Dismemberment Rider: It provides 100% of coverage in

case of death due to accident; loss of more than one limb or sight in both the eyes or

in case of loss of one limb and loss of sight in one eye; 50% coverage in case of loss

of one limb or sight in one eye.

Term Rider: It provides additional amount of cover in the event of death of the life

insured.

Critical Illness Rider: It provides a cover in the event of life insured being diagnosed

as suffering from any of the four illness specified under the Critical Illness Rider.

Critical Illness Woman Rider: It provides a cover against several critical illness

including woman specific illness, pregnancy complications and congenital anomalies

in a new born child.

BSLI will send you an annual statement giving details of the number of units and the

NAV of the units, held by you under various Investment Fund Options as of the last

policy anniversary. The NAVs of the various Investment Funds will be available on

our website www.birlasunlife.com, as well as in the newspapers.

The basis used for calculation of NAV would be the appropriation price and

expropriation Price.

The Appropriation price shall apply in a situation when the company is required to

purchase the assets to allocate the units at the valuation date

The Expropriation price shall apply in a situation when the company is required to sell

assets to redeem the units at the valuation date.

The NAV per unit of each Investment Fund will be calculated as per the prevailing

IRDA guidelines mentioned below:

When Appropriation price is applied: The NAV shall be computed as:

When Expropriation price is applied: The NAV shall be computed as:

You will have the right to return your policy to us within 15 days from the date of receipt

of the policy. We will pay the Fund Value plus all charges levied till date (excluding

KEEP TRACK OF YOUR FUND VALUE

NAVS

FREE LOOK PERIOD

(Market Value of Investments held by the fund + The Expenses incurred in Purchase

of the Assets + Value of Any Current Assets + Any Accrued Income Net of Fund

Management Charges - Value of any Current Liabilities - Provisions, if any)

Divided by the number of units existing at valuation date (before any new units

are allocated)

(Market Value of Investments held by the fund - The Expenses incurred in Sale of

the Assets + Value of Any Current Assets + Any Accrued Income Net of Fund

Management Charges - Value of any Current Liabilities - Provisions, if any)

Divided by the number of units existing at valuation date (before any new units

are allocated)

Accidental Death and Dismemberment Rider: It provides 100% of coverage in

case of death due to accident; loss of more than one limb or sight in both the eyes or

in case of loss of one limb and loss of sight in one eye; 50% coverage in case of loss

of one limb or sight in one eye.

Term Rider: It provides additional amount of cover in the event of death of the life

insured.

Critical Illness Rider: It provides a cover in the event of life insured being diagnosed

as suffering from any of the four illness specified under the Critical Illness Rider.

Critical Illness Woman Rider: It provides a cover against several critical illness

including woman specific illness, pregnancy complications and congenital anomalies

in a new born child.

BSLI will send you an annual statement giving details of the number of units and the

NAV of the units, held by you under various Investment Fund Options as of the last

policy anniversary. The NAVs of the various Investment Funds will be available on

our website www.birlasunlife.com, as well as in the newspapers.

The basis used for calculation of NAV would be the appropriation price and

expropriation Price.

The Appropriation price shall apply in a situation when the company is required to

purchase the assets to allocate the units at the valuation date

The Expropriation price shall apply in a situation when the company is required to sell

assets to redeem the units at the valuation date.

The NAV per unit of each Investment Fund will be calculated as per the prevailing

IRDA guidelines mentioned below:

When Appropriation price is applied: The NAV shall be computed as:

When Expropriation price is applied: The NAV shall be computed as:

You will have the right to return your policy to us within 15 days from the date of receipt

of the policy. We will pay the Fund Value plus all charges levied till date (excluding

KEEP TRACK OF YOUR FUND VALUE

NAVS

FREE LOOK PERIOD

(Market Value of Investments held by the fund + The Expenses incurred in Purchase

of the Assets + Value of Any Current Assets + Any Accrued Income Net of Fund

Management Charges - Value of any Current Liabilities - Provisions, if any)

Divided by the number of units existing at valuation date (before any new units

are allocated)

(Market Value of Investments held by the fund - The Expenses incurred in Sale of

the Assets + Value of Any Current Assets + Any Accrued Income Net of Fund

Management Charges - Value of any Current Liabilities - Provisions, if any)

Divided by the number of units existing at valuation date (before any new units

are allocated)

the Fund Management Charge) once we receive your written notice of cancellation

(along with reasons thereof) together with the original policy documents.

Service Tax and other levies, as applicable, will be levied as per the extant tax laws.

The Premium Allocation Charge is recovered as a percentage of the Life Insurance

Coverage Premium and will be equal to 3.5% of the life insurance coverage premium.

The premium allocation charge on Top up and any underwriting extra is 2 percent.

There is no Premium Allocation Charge on Rider Coverage Premiums.

In addition to the above, the following Policy Charges will be recovered from the

Fund Value:

SERVICE TAX AND OTHER LEVIES

POLICY CHARGES

1) The Mortality Charges of the Life Insurance Coverage will be deducted by

cancellation of units on a monthly basis at the prevailing NAV. The annual Mortality

Charges per thousand of the Sum at Risk (Sum Assured less the Fund Value) for

sample ages are as follows:

These mortality charges will be guaranteed for the contract period.

Service tax as applicable will be levied on the Mortality Charges.

An underwriting extra (if any) is an additional amount that will be recovered from the

Fund Value by cancellation of units on a monthly basis.

2) A Fund Management Charge not exceeding 1.75% per annum of the Fund Value

will be charged by adjustment of the daily NAVs. Currently this charge is 1.00% per

annum for Income Advantage, Assure, Protector and Builder, 1.25% per annum

for Enhancer and Creator, 1.50% per annum for Magnifier and Maximiser and

1.75% per annum for Multiplier

3) Policy Administration Charge for the Life Insurance Coverage will be deducted by

canceling Units of Rs 30 per month. This charge cannot exceed Rs.100 per month.

4) The Policy can be surrendered anytime during the tenure of the Policy. Applicable

Surrender Charges at the time of surrender will be deducted from the Fund Value.

The Surrender Charges payable will be a percentage of the single premium

payable for the Policy as enumerated in the table below:

5) If there are attached Riders, a Coverage Premium for that rider will be payable by

you. A Rider Premium Charge will be recovered monthly by cancellation of units.

The Rider Premium Charge will be the equivalent monthly Rider Coverage Premium

Sex/Age ( in Yrs) 25 35 45 55 65

Female

Male 1.083 1.363 3.110 8.571 21.061

1.023 1.162 2.385 6.441 15.920

Policy Year 1 2 3 4 5 onwards

% of Single2% 1.5% 1.25% 1% Nil

Premium

payable when the Rider Coverage Payment Period equals the Rider Coverage

Benefit Period. Rider Coverage Premiums may be subject to market risks.

1. In a year, two switches between Investment Fund Options are free.

2. For every additional switch, a charge of Rs. 100 will be levied. This Charge shall

not exceed Rs. 500 per switch.

These Policy Charges (except Mortality and Premium Allocation Charges) are subject

to change and a three-month notice will be provided to all Policy Owners prior to the

implementation of the new Charges. This will be subject to approval of the IRDA.

BSLI will terminate and pay the Surrender Value to you in the event of the Fund Value

reducing to a Surrender Value of Rs. 10,000 after three Policy Years.

Any switch request, whether for single or multiple transfers would be treated as a

single switch.

In a year only 4 Partial Withdrawals are permitted. Two Partial Withdrawals in every

Policy Year will be free of charge and every additional Partial Withdrawal will be subject

to a charge of 0.5% of the amount withdrawn. This Charge shall not exceed 1% of the

amount withdrawn.

You can change the Premium Allocation Percentage (using premium redirection

facility) free of Charge twice every year. Every additional change is subject to a Charge

of Rs. 100/-. The Charge shall not exceed Rs. 500/-.

"If the life insured dies by suicide within one year of the issue of the policy, we will not

pay the Life insurance coverage amount. In such a case, we will refund the higher of

the premiums paid towards the policy since the issue date or the Fund Value".

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.

No Policy of Life Insurance effected before the commencement of this Act shall after

the expiry of two years from the date of commencement of this Act and no Policy of

Life Insurance effected after the coming into force of this Act shall, after the expiry of

CLOSURE OF POLICY

FUND SWITCHING CHARGES

PARTIAL WITHDRAWAL CHARGES

PREMIUM REDIRECTION

SUICIDE

SECTION 41 OF THE INSURANCE ACT

SECTION 45 OF THE INSURANCE ACT

the Fund Management Charge) once we receive your written notice of cancellation

(along with reasons thereof) together with the original policy documents.

Service Tax and other levies, as applicable, will be levied as per the extant tax laws.

The Premium Allocation Charge is recovered as a percentage of the Life Insurance

Coverage Premium and will be equal to 3.5% of the life insurance coverage premium.

The premium allocation charge on Top up and any underwriting extra is 2 percent.

There is no Premium Allocation Charge on Rider Coverage Premiums.

In addition to the above, the following Policy Charges will be recovered from the

Fund Value:

SERVICE TAX AND OTHER LEVIES

POLICY CHARGES

1) The Mortality Charges of the Life Insurance Coverage will be deducted by

cancellation of units on a monthly basis at the prevailing NAV. The annual Mortality

Charges per thousand of the Sum at Risk (Sum Assured less the Fund Value) for

sample ages are as follows:

These mortality charges will be guaranteed for the contract period.

Service tax as applicable will be levied on the Mortality Charges.

An underwriting extra (if any) is an additional amount that will be recovered from the

Fund Value by cancellation of units on a monthly basis.

2) A Fund Management Charge not exceeding 1.75% per annum of the Fund Value

will be charged by adjustment of the daily NAVs. Currently this charge is 1.00% per

annum for Income Advantage, Assure, Protector and Builder, 1.25% per annum

for Enhancer and Creator, 1.50% per annum for Magnifier and Maximiser and

1.75% per annum for Multiplier

3) Policy Administration Charge for the Life Insurance Coverage will be deducted by

canceling Units of Rs 30 per month. This charge cannot exceed Rs.100 per month.

4) The Policy can be surrendered anytime during the tenure of the Policy. Applicable

Surrender Charges at the time of surrender will be deducted from the Fund Value.

The Surrender Charges payable will be a percentage of the single premium

payable for the Policy as enumerated in the table below:

5) If there are attached Riders, a Coverage Premium for that rider will be payable by

you. A Rider Premium Charge will be recovered monthly by cancellation of units.

The Rider Premium Charge will be the equivalent monthly Rider Coverage Premium

Sex/Age ( in Yrs) 25 35 45 55 65

Female

Male 1.083 1.363 3.110 8.571 21.061

1.023 1.162 2.385 6.441 15.920

Policy Year 1 2 3 4 5 onwards

% of Single2% 1.5% 1.25% 1% Nil

Premium

payable when the Rider Coverage Payment Period equals the Rider Coverage

Benefit Period. Rider Coverage Premiums may be subject to market risks.

1. In a year, two switches between Investment Fund Options are free.

2. For every additional switch, a charge of Rs. 100 will be levied. This Charge shall

not exceed Rs. 500 per switch.

These Policy Charges (except Mortality and Premium Allocation Charges) are subject

to change and a three-month notice will be provided to all Policy Owners prior to the

implementation of the new Charges. This will be subject to approval of the IRDA.

BSLI will terminate and pay the Surrender Value to you in the event of the Fund Value

reducing to a Surrender Value of Rs. 10,000 after three Policy Years.

Any switch request, whether for single or multiple transfers would be treated as a

single switch.

In a year only 4 Partial Withdrawals are permitted. Two Partial Withdrawals in every

Policy Year will be free of charge and every additional Partial Withdrawal will be subject

to a charge of 0.5% of the amount withdrawn. This Charge shall not exceed 1% of the

amount withdrawn.

You can change the Premium Allocation Percentage (using premium redirection

facility) free of Charge twice every year. Every additional change is subject to a Charge

of Rs. 100/-. The Charge shall not exceed Rs. 500/-.

"If the life insured dies by suicide within one year of the issue of the policy, we will not

pay the Life insurance coverage amount. In such a case, we will refund the higher of

the premiums paid towards the policy since the issue date or the Fund Value".

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.

No Policy of Life Insurance effected before the commencement of this Act shall after

the expiry of two years from the date of commencement of this Act and no Policy of

Life Insurance effected after the coming into force of this Act shall, after the expiry of

CLOSURE OF POLICY

FUND SWITCHING CHARGES

PARTIAL WITHDRAWAL CHARGES

PREMIUM REDIRECTION

SUICIDE

SECTION 41 OF THE INSURANCE ACT

SECTION 45 OF THE INSURANCE ACT

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 Life Insured and that the Life Insured 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.

RISK FACTORS / DISCLAIMERS:

•

•

•

•

•

•

•

•

•

•

•

•

•

•

•

•

•

This is a non-participating unit linked endowment plan

This policy is underwritten by Birla Sun Life Insurance Company Limited (BSLI)

Birla Sun Life Insurance, PrimeLife Premier, Income Advantage, Assure, Protector,

Builder, Enhancer, Creator, Magnifier, Maximiser and Multiplier fund 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

The charges mentioned above are applicable to all the nine Investment Fund

Options offered at present

All the policy charges (except Premium Allocation Charge and Mortality Charge)

can be modified by the company subject to approval of the IRDA

The company reserves the right to introduce new Investment Funds with different

charges subject to approval of the IRDA

The value of the Investment Fund Options reflects the value of the underlying

investment

These investments are subject to market risks and change in fundamentals such

as tax rates etc effecting the investment portfolio

The premium paid in Unit Linked Life Insurance policies are subject to investment

risk associated with capital markets and the NAV of the units may go up or down

based on the performance of Investment Funds and factors influencing the capital

market and the insured is responsible for his/her decisions

BSLI reserves the right to recover levies such as the Service Tax levied by the

authorities on insurance transactions

If there are any additional levies, they too will be recovered from you

This brochure contains 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

There is no guarantee or assurance of returns from the Investment Funds

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 Life Insured and that the Life Insured 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.

RISK FACTORS / DISCLAIMERS:

•

•

•

•

•

•

•

•

•

•

•

•

•

•

•

•

•

This is a non-participating unit linked endowment plan

This policy is underwritten by Birla Sun Life Insurance Company Limited (BSLI)

Birla Sun Life Insurance, PrimeLife Premier, Income Advantage, Assure, Protector,

Builder, Enhancer, Creator, Magnifier, Maximiser and Multiplier fund 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

The charges mentioned above are applicable to all the nine Investment Fund

Options offered at present

All the policy charges (except Premium Allocation Charge and Mortality Charge)

can be modified by the company subject to approval of the IRDA

The company reserves the right to introduce new Investment Funds with different

charges subject to approval of the IRDA

The value of the Investment Fund Options reflects the value of the underlying

investment

These investments are subject to market risks and change in fundamentals such

as tax rates etc effecting the investment portfolio

The premium paid in Unit Linked Life Insurance policies are subject to investment

risk associated with capital markets and the NAV of the units may go up or down

based on the performance of Investment Funds and factors influencing the capital

market and the insured is responsible for his/her decisions

BSLI reserves the right to recover levies such as the Service Tax levied by the

authorities on insurance transactions

If there are any additional levies, they too will be recovered from you

This brochure contains 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

There is no guarantee or assurance of returns from the Investment Funds

Call Toll-free: 1-800-270-7000 www.birlasunlife.com sms ‘PRIME’ to 56161

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 Unique No.:109L020V02 ADV/03/08-09/3223 VER 10/SEPT/2009