1. Why shouldn't you enjoy protection
for both your money and you?
Birla Sun Life Insurance
Single Premium Bond
Call Toll-free: 1-800-270-7000 www.birlasunlife.com sms ‘SINGLE’ to 56161 Twin benefits of life insurance
and capital protection
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.: 109L011V02
ADV / 03/08-09 / 3226 VER 8 /JUNE / 2009

2. The Aditya Birla Group has a turnover of close to Rs. 119,000 crores, with a market
capitalization of Rs. 133,875 crores (as on 31st 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
assets under management of over US$404.7 billion (as on 31st 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. 1274.5
crores as on 31st March 2008.
WHAT IS THIS PLAN ABOUT?
The 'SINGLE PREMIUM BOND' is a unit-linked non-participating investment oriented
In this policy, the investment risk in investment portfolio is borne by insurance plan wherein you pay a single premium and the policy pays a lump sum at
the policyholder. maturity. It is the ideal plan for you if you have received a large amount / windfall / bonus
Only a decade ago, if you had any surplus funds you simply went to the nearest or have a surplus and are in search of an avenue to invest your money. This plan is
bank or post office. Today you are being constantly bombarded with a plethora of available for two tenures of 5 and 10 years. In the case of the 10-year plan, you have a
investment options with conclusive evidence on the supremacy of each option. These choice between three Investment Fund Options with different investment patterns -
alternatives make the selection even more baffling. Protector, Builder and Enhancer. This gives you the option to invest your money in a
fund based on your risk profile. In the 5 year plan the Investment Fund Option available
Have you often sat to wonder about the optimum investment vehicle, which is safe, is only Protector. You can switch between the Investment Fund Options during the
earns good returns and does not require constant monitoring? An investment option, term of the policy ensuring that your money works harder and provides you with
which helps you, realise your dreams? Birla Sun Life Insurance is happy to present to more efficient returns.
you the Single Premium Bond.
The features of the plan are given in the table below:
'Single Premium Bond' being a unit-linked plan, offers returns depending on the
performance of the capital and financial markets. The principal amount is guaranteed Single Premium Bond
under the plan, which gives you the freedom to take risks without having to worry Entry Age 13 years for the 5 year term, 8 years for the 10 year term -
about the risk of the erosion of the capital. In addition, this plan not only aims at 70 years
maximizing the investment return on your money but also provides a life cover to
Maximum Maturity Age 75 or 80 years depending on the benefit term chosen
provide assistance to your family in the case of your untimely death. It also comes with
Benefit terms available 5 years and 10 years
a life insurance cover, in case of the sudden death of the policyholder.
Minimum Duration of plan 5 years
WHO IS OFFERING THIS PLAN?
Minimum premium amount Rs. 20,000
Birla Sun Life Insurance Company Limited is a joint venture between The Aditya Birla Sum Assured 125% of the single premium amount; minimum sum
Group, one of the largest business houses in India and Sun Life Financial Inc., assured will be Rs. 25,000
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.

3. WHAT ARE THE BENEFITS OF THE PLAN? 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 market performance.
a) You get dual benefits:
Please note that this is a Unit Linked non participating plan and the Investment Risk
'SINGLE PREMIUM BOND' caters to the twin needs of Life Insurance and is borne by the policyholder.
Investment. The premium contribution in the plan is guaranteed on maturity.
Protector
b) There are no medical requirements:
You don't require any medical test to buy this plan. Objective: The objective of this Investment Fund Option is to generate consistent
return through active management of fixed income portfolio and focus on creating
c) It's so convenient:
long-term equity portfolio, which will enhance yield of composite portfolio with
• Simple Documentation
minimum risk appetite.
• Simple one time payment saves you the hassle of regular investments
d) You have the option of 3 Investment Funds (in the 10-year plan): 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
Three Investment Fund Options are available under this plan. You can allocate your
their capital and earn steady return on investment through higher exposure to debt
premiums in varying ratios between these 3 Funds. You also have the choice of
securities.
switching between the various Funds twice a year free of cost. For the 5 year plan,
the Investment Fund Option available is Protector.
e) Maturity benefit:
The maturity benefit would depend upon the contribution made, and the term of
the policy decided by you. On maturity the higher of the Fund Value or the policy
premium will be payable to you.
f) Death benefit:
In case of the unfortunate death of the policyholder, Fund Value or 125% of single
premium (Sum Assured), whichever is higher, is payable to policyholder's nominee.
Let us take an example:
A male aged 25 years buys this plan for a premium amount of Rs. 50,000. The
benefit period is 10 years. The death benefit for this plan would be higher of the
Fund Value or 125% of 50,000 that is Rs. 62,500.
g) Surrender benefit:
The policy can be surrendered any time after 3 policy years without any charges.
The amount payable will be the Fund value.
INVESTMENT FUND PORTFOLIO
Investment Risk Asset Allocation * Min. Max.
Fund Option Profile
Protector Low Debt Instruments, Money Market & Cash 90% 100%
Equities & Equity Related Securities 0% 10%
Builder Low Debt Instruments, Money Market & Cash 80% 90%
Equities & Equity Related Securities 10% 20%
Enhancer Medium Debt Instruments, Money Market & Cash 65% 80%
Equities & Equity Related Securities 20% 35%
* 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. They include mutual
funds, collateralized borrowing & lending obligation, certificate of deposits, commercial papers etc.
Investment in Money Market Instrument supports better liquidity management.

4. Builder
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.
Enhancer
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.
WHAT ARE THE CHARGES?
CHARGES:
1. A Premium Allocation Charge of 2.5% of the single premium will be deducted from
the premium you pay.
2. Mortality Charge: Charges towards mortality will be deducted by cancellation of
units on a monthly basis at the prevailing NAV.
The annual mortality rates per thousand of Sum at Risk are as follows:
Age (Yrs) 20 30 40 50 60
Female 0.896 1.163 1.657 4.030 10.660
Male 1.016 1.171 2.150 5.532 13.732
These mortality charges will be guaranteed for the contract period.
3. A Policy Administration Charge will be recovered by cancellation of units on a
monthly basis at the prevailing NAV. The annual Policy Administration Charge per
1000 of the Life Insurance Coverage Sum Assured is given in the table below:
Policy Administration Charge
Life Insurance Coverage Sum Assured
On the first Rs. 25,000 On amount in excess of Rs. 25,000
All policy years
16.20 4.20
This annual charge cannot not exceed Rs. 20 per 1000 of the Life Insurance
Coverage Sum Assured.
For your understanding, we provide this example. Suppose you had chosen a Life
Insurance Coverage Sum Assured of Rs. 100,000. In this case the total Policy

5. Administration Charge in Year 1 is 16.20 * 25 + 4.20* (100-25) = Rs. 720 and the Divided by the number of units existing at valuation date (before any new units
amount Rs. 720/12 = Rs. 60 will be collected on every monthly processing date are allocated).
by cancellation of units during the first Policy Year.
FREE LOOK PERIOD
4. A Fund Management Charge not exceeding 1.50% per annum of the Fund Value
will be charged by adjustment of daily NAVs. Currently this charge is 1.00% per You will have the right to return your policy to us within 15 days from the date of receipt
annum for Protector and Builder and 1.25% per annum for Enhancer. of the policy. We will pay the Fund Value plus all charges levied till date (excluding
the Fund Management Charge) once we receive your written notice of cancellation
5. Switching charges: (along with reasons thereof) together with the original policy documents.
In a year, two switches between Investment Fund Options are free. For every
additional switch a charge of Rs. 100 will be levied and this charge will not exceed
TAX IMPLICATIONS
Rs. 500. As per our understanding of current tax laws, benefits under section 80C on the
These Policy Charges (except mortality charges and Premium Allocation Charges) premium paid will be available upto 20% of the Sum Assured in the year of premium
are subject to change. A three-month notice will be provided to all Policy Owners payment. Please consult your tax advisor for specific suitability.
prior to the implementation of the new charges. This will be subject to approval The tax benefits on your Policy would be as per the prevailing provisions of the
of the IRDA. Income tax Act, 1961. If required by the Act, we will withhold taxes from the Benefits
payable under this Policy. We also reserve the right to recover from you levies such
ADDITIONAL SERVICES
as Service Tax levied by the authorities on insurance transactions.
We provide our customers with a high level of transparency in all our plans to put
them in total control. In this plan too, we provide the NAVs of the different Investment SERVICE TAX AND OTHER LEVIES
Funds on a daily basis in the newspapers and on our website www.birlasunlife.com. Service Tax and other levies, as applicable, will be levied as per the extant tax laws.
We will send you an annual statement giving details on the performance of your funds.
Besides we are just a phone call away and you could call us on our toll free number SUICIDE
1800 270 7000.
If the life insured dies by suicide within one year of the issue of the policy, we will not
pay the Life insurance cover. In such a case, we will refund the higher of, the premiums
NAV
paid towards the policy since the issue date or the Fund Value.
The basis used for calculation of NAV would be the Appropriation Price and
Expropriation Price. SECTION 41 OF THE INSURANCE ACT
The Appropriation Price shall apply in a situation when the company is required to No person shall allow or offer to allow, either directly or indirectly, as an inducement to
purchase the assets to allocate the units at the valuation date 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
The Expropriation Price shall apply in a situation when the company is required to payable or any rebate of the premium shown on the policy, nor shall any person taking
sell assets to redeem the units at the valuation date. out or renewing or continuing a policy accept any rebate, except such rebate as may
The NAV per unit of each Investment Fund will be calculated as per the prevailing be allowed in accordance with the published prospectuses or tables of the insurer.
IRDA guidelines mentioned below:
SECTION 45 OF THE INSURANCE ACT
When Appropriation Price is applied: The NAV shall be computed as:
No Policy of Life Insurance effected before the commencement of this Act shall after
(Market Value of Investments held by the fund + The Expenses incurred in Purchase the expiry of two years from the date of commencement of this Act and no Policy of
of the Assets + Value of Any Current Assets + Any Accrued Income Net of Fund Life Insurance effected after the coming into force of this Act shall, after the expiry of
Management Charges - Value of any Current Liabilities - provisions, if any) two years from the date on which it was effected be called in question by an Insurer on
Divided by the number of units existing at valuation date (before any new units the ground that statement made in the proposal or in any report of a medical officer,
are allocated) or referee, or friend of the Life Insured, or in any other document leading to the issue
When Expropriation Price is applied: The NAV shall be computed as: 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
(Market Value of Investments held by the fund - The Expenses incurred in Sale of that it was fraudulently made by the Life Insured and that the Life Insured knew at
the Assets + Value of Any Current Assets + Any Accrued Income Net of Fund the time of making it that the statement was false or that it suppressed facts which it
Management Charges - Value of any Current Liabilities - provisions, if any) was material to disclose.

6. 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 savings plan
• This policy is underwritten by Birla Sun Life Insurance Company Limited (BSLI)
• The above mentioned charges are applicable to the base coverage only. Birla Sun
Life Insurance, Single Premium Bond, Protector, Builder and Enhancer, are only
the names of the company, policy and the Funds respectively and do not in any
way indicate the quality of the policy, Funds or their future prospects or returns
• The charges mentioned above are applicable to all the three Investment Fund
Options offered at present
• All the policy charges can be modified by the company subject to the approval of
the IRDA
• The company reserves the right to introduce new Funds with different charges
subject to approval of the IRDA
• The value of the Investment Fund 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 Fund Options and factors influencing
the capital market and the insured is responsible for his/her decisions
• There is no guarantee or assurance of returns from the Funds other than the
guarantee of premium contribution
• 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 clarifications call your Birla Sun Life Insurance Advisor or visit
our website and see how we can help make your dreams come true