Birla sun life century sip

Century SIP
SIP with Free Life Insurance Cover upto 100 Times

Mutual Fund investments are subject to market risks
Birla Sun Life Asset Management Company Ltd. Please read the SID & SAI carefully before investing

Copyright: Birla Sun Life Asset Management Company Ltd.

Human Life Cycle
Phase I Phase II Phase III

Child’s Marriage

Child’s Education

Housing

Child birth
Marriage

22 yrs 38 yrs 10-
10- 20 yrs

Education Earning Years Post Retirement Years

Age-
Age- 22 yrs Age-
Age- 60 yrs


Phase II – Most Challenging Phase
Meet Current Taking Care of Build Capital Make Provisions
Recurring Child’s Needs Assets like for
Expenses House & Car Retirement

Our family continues to have these financial needs, whether we survive or not…

Hence we NEED,
Investments + Insurance



Century SIP
A complete solution



Unique Value Proposition

Century SIP
Free Life Insurance Cover Power of
Systematic Investing

* Awarded by CNBC TV 18 – Crisil; Please refer to slide number 38 for awards methodology; Past performance may or may not be sustained in the future.


Free Life Insurance Cover
• Century SIP - SIP with Free Life Insurance Cover
• Cost of Insurance to be entirely borne by the AMC
• Uniform Insurance Cover*
• Year 1 – 10 Times the Monthly SIP Installment
• Year 2 – 50 Times the Monthly SIP Installment
• Year 3 onwards – 100 Times the Monthly SIP Installment
• Limits above are subject to maximum coverage of Rs. 20 lakhs per investor
• Life cover continues even if SIP stops
• Wide Range of Age Group Covered
• Minimum / Maximum Entry Age – 18 Years / Below 46 Years
• Cover continues upto the age of 55 years
• Investor just needs to sign a “Declaration of Good Health”
• No additional documents or medicals are required; only a small questionnaire to be filled up
* Subject to specified terms & conditions


Various Scenarios
Century SIP

SIP Continues SIP Stops

Scenario Scenario Scenario Scenario
SIP continues upto SIP continuing & SIP discontinues SIP discontinues after
Maturity unfortunate event of before 3 years 3 years from the date
(55 y of age) death happens from the date of 1st of 1st installment
installment

Life cover Nominee is paid the Life cover ceases Life cover continues @
continues upto age Sum Insured + the fund value* subject to
55 & ceases Fund Value maximum of 100 times
thereafter Monthly SIP
Installment

Note – Insurance cover would cease , if investor redeems (fully / partially) or switch out (fully / partially) units before completion of the Century SIP tenure
* Fund Value = Value of units, accumulated under Century SIP, at start of the each policy year.


Benefit to the Family
1,400,000
Century SIP @ Rs. 5,000 pm
1,200,000 Total Benefit to
Fund Value Life Cover
the Family
1,000,000 Unfortunate Event of Death
at the end of year 5
408,348 500,000 908,348

800,000 Unfortunate Event of Death
at the end of year 10
1,150,193 500,000 1,650,193

600,000

400,000

200,000

0
Start Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10
Rate of Return assumed @ 12% pa Computations - Internal Fund Value Life Cover


Offers Uniform Insurance Cover
 Uniform Life Cover through out
280,000
 Life cover paid in addition to the fund value
 Life cover continues even if SIP discontinues*
240,000
 You get covered when you need it the most i.e.
AS YOU GROW OLD
200,000
 Life cover reduces with payment of the SIP
160,000 installments
 Life cover proceeds goes to the AMC, towards
120,000 payment of outstanding SIP installments

80,000

40,000

Scenario – 10 Year SIP @ Rs.2,000 pm Installment
0
Year 1

Year 2

Year 3

Year 4

Year 5

Year 6

Year 7

Year 8

Year 9

Year 10
* Subject to Terms & Conditions
BSL Century SIP Other SIPs with Life Cover
Based on Published Information of other available SIPs



Life Cover Continues even if SIP
Discontinues
Century SIP Other SIPs with Life Cover ~

SIP Discontinues
SIP discontinues SIP discontinues
before 3 years from after 3 years from
the date of 1st the date of 1st
installment installment
Life cover ceases

Life cover continues
@ fund value*
Life cover ceases subject to maximum
of 100 times monthly
SIP installment

* Fund Value = Value of units, accumulated under Century SIP, at start of the each policy year
~ Based on Published Information of other available SIPs



Century SIP vs. Term Insurance
Century SIP Term Insurance
Free Life Cover Annual / Single Premium
No Individual Underwriting Individual Underwriting
No Medical Tests Medical Tests*

Life Cover – Y 1 = Rs. 50,000; Y 2 = Rs. 250,000; Year 3 onwards = Rs. 500,000
Term Life Insurance Premium for Various Ages
Features 25 Y 35 Y 45 Y
Year 1 Year 2 Year 3 Year 1 Year 2 Year 3 Year 1 Year 2 Year 3
Sum Insured Rs. 50,000 Rs. 250,000 Rs. 500,000 Rs. 50,000 Rs. 250,000 Rs. 500,000 Rs. 50,000 Rs. 250,000 Rs. 500,000

Premium Payment Term~ 1Y 1Y 28 Y 1Y 1Y 18 Y 1Y 1Y 8Y

Annual Premium^ Rs. 210 Rs. 1,050 Rs. 2,100 Rs. 255 Rs. 1,275 Rs. 2,550 Rs. 383 Rs. 1,913 Rs. 30,600

Total Premium Rs. 210 Rs. 1,050 Rs. 58,800 Rs. 255 Rs. 1,275 Rs. 45,900 Rs. 383 Rs. 1,913 Rs. 30,600

Total Savings Rs. 60,060 Rs. 47,430 Rs. 32,896

* May or may not be required; ^ Based on market estimates;
~ upto age 55
Savings with Century SIP


Total Savings with Century SIP
Could be…

Whopping
Rs. 200,200* !!!

* Refer to Annexure 1 for workings



A Million Dollar Question…

Is Investing in Equity the
Right Choice???



Kal Aaj Aur Kal

1985 2011
Balcony Ticket : Rs 15/- Balcony Ticket : Rs 300/-
Inflation Meter: 12.21% p.a.
Source & Computations - Internal



Kal Aaj Aur Kal

1985 2011
Hotel Bill: Rs.100/- Hotel Bill: Rs 1,600/-





Kal Aaj Aur Kal

1985 2011
Petrol Price: Rs. 8 / L Petrol Price: Rs.64 / L





Kal Aaj Aur Kal

1985 2011
MBA Course: 40,000/- MBA Course: 10,00,000/-



How Do I BEAT Inflation???

Investing in Equity is Risky, but
Not investing in Equity could be Riskier…
Note - Graph above is for illustrative purpose only based on our perception



Why SIP?



The Formula of Creating Wealth

Start Early Invest Regularly Create Wealth



Invest Regularly
Illustration
8,000,000
Rs.1000/- invested every month for 30 years
Rs 69 lakhs
7,000,000 6% p.a. 10% p.a. 15% p.a.

6,000,000
Value of investment (Rs.)

5,000,000 Even small amounts
4,000,000
invested regularly
can grow
3,000,000
substantially
Rs. 21 lakhs
2,000,000

Rs 10 lakhs
1,000,000

0
1 3 5 7 9 11 13 15 17 19 21 23 25 27 29
Source - Internal No. of years



Invest Regularly
• It is the small drops that make an ocean
• Relieves you of the last minute pressure
• Slow and steady wins the race
• E.g. Split your Sec 80C investments into smaller amounts and invest every
month

• Reduces the risk of investing at the wrong time
• Difficult to predict the market and know when is the right time

We earn regularly; We spend regularly

Shouldn’t we also invest regularly?


Systematic Investing
• Similar to a Recurring Deposit with a bank
• Method of investing predetermined amounts of money regularly to
benefit from the stock market volatility
• Convenient and Hassle-Free
• Automatic investments, one-time instruction, transactions on the net

• Similar to PF : Small amount invested regularly to become a sizeable
sum after some years
• Light on the wallet
• As low as Rs. 1,000/- per month



Power of Rupee Cost Averaging
• Buying MORE units @ low prices & buying FEWER units @ high prices
• Helps AVERAGE out your purchase price
• Illustration:
Amount Invested Unit Price No. of Units
Month
(In Rs.) (In Rs.) Purchased
1 Rs. 1,000 10.00 100.00 Equity investing is
2 Rs. 1,000 9.00 111.11
3 Rs. 1,000 8.50 117.65
not about timing the
4 Rs. 1,000 11.00 90.91 market but time in
5 Rs. 1,000 10.50 95.24 the market
6 Rs. 1,000 10.00 100.00
Total Rs. 6,000 614.91
Total Investment = Rs. 6,000
Value of Lump-sum Investment* = Rs. 6,000
Value of SIP Investment* = Rs. 6,149.10
* At the end of the 6th month


BSLAMC Top Performers
Outperforming Benchmarks across Time Horizons

SIP Returns (%) (As of 31st Mar 2011)
Scheme
Since
1 Year 3 Years 5 Years
Inception
Birla Sun Life Dividend Yield Plus (G) 4.17 30.78 21.32 23.00

S&P CNX 500 2.53 18.61 11.47 17.75

Birla Mid Cap Fund (G) -9.97 22.07 14.91 25.27

CNX Mid Cap -7.41 22.32 14.14 21.67

Birla Sun Life Frontline Equity Fund (G) 6.71 24.03 17.59 25.58

BSE 200 3.73 19.61 12.33 19.48

Birla Sun Life Tax Relief 96 (D) -6.79 18.44 10.85 28.18

BSE 200 3.73 19.62 12.33 16.92
Past performance may or may not be sustained in future. Load and Taxes are not considered for computation of returns. The data assumes the
investment of Rs. 1,000/- on 1st day of every month or the subsequent working day. CAGR Returns are computed after accounting for the cash flow by using the XIRR
method (investment internal rate of return). G – Growth & D - Dividend


Other Features



Century SIP
• Century SIP will be an optional feature
• Feature will be available with SIP investments in all equity schemes (open-ended) offered by the BSLAMC
• Minimum & maximum investments amounts:
• Minimum investment – Rs. 1,000 pm
• Maximum investment – There is no upper limit to the monthly installment.
• Tenure of the SIP
• 55 years less the current completed age of the investor
• Load structure
• Entry Load – Nil
• Exit Load - As per the underlying scheme



Life Insurance Cover
• Eligibility criterions:
• Only individual investors, excluding Non Resident Indians & Persons of Indian Origin
• Minimum / Maximum Entry Age – 18 years / below 46 years
• Investors enrolling for investments thru Century SIP in designated schemes
• Investors signing genuine “Good Heath Declaration” and also providing their Date of Birth, Gender and Nominee
details at the specified places in the application form
• In case of joint holders in the scheme, only the first unit holder would be eligible for the insurance cover
• Commencement of the insurance cover
• The Insurance cover will start from the commencement of Century SIP. However, only accidental deaths will be
covered for the first 45 days.
• When will the insurance cover cease*
• At the end of the tenure. i.e., upon completion of 55 years of age.
• Discontinuation of Century SIP installments within 3 years from the commencement of the same
• Redemption / switch-out (fully or partly) of units purchased under Century SIP before the completion of the Century
SIP tenure
• Exclusions from the insurance cover
• Death due to suicide within first year of commencement of Century SIP
• Death within 45 days from the commencement of Century SIP installments except for death due to accident
• Death due to pre-existing illness, disease(s) or accident which has occurred prior to commencement of Century SIP
* There will be no provision for revival of insurance cover, once ceased



Other Terms & Conditions
• The Group Life Insurance Cover will be governed by the terms and conditions of the insurance policy with the relevant
Insurance Company as determined by the AMC.
• Grant of insurance cover to any individual member shall be discretionary on part of Life Insurance Company.
• In case of death of the first unit holder, his / her legal representatives may file a claim directly with the designated branch of the
Insurance Company supported by all relevant documents as required by the Insurer and the payment of the claim may be
made to the legal representatives by the insurance company. All insurance claims will be settled in India and shall be payable
in Indian Rupees only. Settlement procedure will be as stipulated by the Insurance Company. Insurance claims will be directly
settled by the Insurance Company. There will be only one insurance cover linked to unique investor. This offer from the
Insurance Company (with whom the AMC ties up) is being brought to the investors of the Scheme by the AMC on a best effort
basis. The AMC will not be responsible or liable for maintaining service levels and/or any delay in processing claims arising out
of this facility.
• The Mutual Fund, Trustees, AMC, or their Directors, officers or employees shall not be liable for any claims (including but not
limited to rejection of any claim, non-settlement, delays etc.) arising out of the insurance cover provided to the unit holder. The
Fund is bringing this offer to the investors of the Scheme only as an additional facility and is not acting as an agent for
marketing/sales of insurance policies.
• Subject to what has been stated above, the AMC reserves a right to modify / annul the said Group Insurance Cover on a
prospective basis. The AMC also reserves the right to change the insurance company from time to time.
• Charges of the insurance cover will be entirely borne by the AMC.
• Investors opting for Birla Sun Life Century SIP agree and confirm to have read, understood and accepted the Terms of Century
SIP and Insurance cover.
• Insurance is subject matter of solicitation


Statutory Details, Disclaimer &
Risk Factors
Statutory Details: Constitution: Birla Sun Life Mutual Fund (BSLMF) has been set up as a Trust under the Indian Trust Act, 1882. Sponsors: Aditya Birla Nuvo Limited and Sun Life (India) AMC Investments Inc. [liability
restricted to seed corpus of Rs. 1 Lac] Trustee: Birla Sun Life Trustee Company Pvt. Ltd. Investment Manager: Birla Sun Life Asset Management Company Ltd.

Investment Objective: Birla Advantage Fund: An Open ended Growth Scheme to achieve long-term growth of capital at relatively moderate levels of risk through a diversified research based investment approach. Birla
Equity Plan: An Open-ended Equity Linked Savings Scheme to achieve long-term growth of capital along with income tax relief for investment. Birla India Opportunities Fund: An Open-ended Growth Scheme to achieve
superior long-term growth of capital by investing in shares of companies that do one or more of the following: Leverage India’s intellectual capital for providing services, research and creative inputs; Seek to use current and
impending changes in patent laws / import tariffs / quotas to supply goods and services; Leverage India’s lower labour costs for providing services and manufactured goods; Leverage India’s large population of English speaking
people for providing services.Birla MNC Fund: An Open-ended Growth Scheme to achieve long-term growth of capital at relatively moderate levels of risk by making investments in securities of multi-national companies
through a research based investment approach.Birla Midcap Fund: An Open-ended Growth Scheme to achieve long-term growth of capital at controlled level of risk by primarily investing in Midcap stocks.Birla India GenNext
Fund: An Open ended growth scheme with an objective to target growth of capital by investing in equity/equity related instruments of companies that are expected to benefit from the rising consumption patterns in India, which
in turn is getting fuelled by high disposable incomes of the young generation (Generation Next). The scheme will invest in companies that have the following characteristics: 1.Companies that seek growth in revenues arising out
of demand from the younger generation (GenNext) for their products or services. 2. They should be engaged in manufacturing of products or rendering of services that go directly to the consumer. 3. The products and services
should have distinct brand identity, thereby enabling choice.Birla Top 100 Fund: The fund seeks to provide medium to long-term capital appreciation, by investing predominantly in a diversified portfolio of equity and equity
related securities of top 100 companies as measured by market capitalization.Birla Infrastructure Fund: The Fund seeks to provide medium to long-term capital appreciation, by investing predominantly in a diversified portfolio
of equity and equity related securities of companies that are participating in the growth and development of Infrastructure in India.Birla Index Fund: An Open-ended Index-Linked Scheme to generate returns commensurate
with the performance of Nifty subject to tracking errors.Birla Dividend Yield Plus: An Open-ended Growth Scheme to provide capital growth and income by investing primarily in a well diversified portfolio of dividend paying
companies that have a relatively high dividend.Birla Sun Life Buy India Fund: A multi-sector open-end growth scheme with the objective of long term growth of capital, through a portfolio with a target allocation of 100%
equity, focusing on investing in businesses that are driven by India’s large population and inherent consumption patterns. The focus of the scheme will be in the consumer and healthcare sectors. The secondary objective is
income generation and distribution of dividend.Birla Sun Life New Millennium Fund: A multi-sector open-end growth scheme with the objective of long term growth of capital, through a portfolio with a target allocation of 100%
equity, focusing on investing in technology and technology dependent companies, hardware, peripherals and components, software, telecom, media, internet and e-commerce and other technology enabled companies. The
secondary objective is income generation and distribution of dividend. Birla Sun Life Basic Industries Fund: A multi-sector open-end growth scheme with the objective of long term growth capital, through a portfolio with a
target allocation of 100% equity, focusing on investing in companies sensitive to economic cycles and commodity pricing cycles. The investments will be in companies which are often referred to as cyclical companies. The
secondary objective is income generation and distribution of dividend.Birla Sun Life Equity Fund: An open-end growth scheme with the objective of long term growth of capital, through a portfolio with a target allocation of 90%
equity and 10% debt and money market securities.Birla Sun Life Tax Relief ’96 Fund: An open-end equity linked savings scheme (ELSS) with the objective of long term growth of capital through a portfolio with a target
allocation of 80% equity, 20% debt and money market securities.Birla Sun Life Frontline Equity Fund: An open-end growth scheme with the objective of long term growth of capital, through a portfolio with a target allocation
of 100% equity by aiming at being as diversified across various industries and or sectors as its chosen benchmark index, BSE 200. The secondary objective is income generation and distribution of dividend.Birla Sun Life
Special Situations Fund: An Open-ended diversified equity scheme with objective to generate long-term capital by investing in a portfolio of equity and equity related securities.The scheme would follow an investment strategy
that would take advantage of Special Situations & contrarian investment style.Birla Sun Life International Equity Fund: An Open-ended Diversified Equity Scheme with an objective to generate long-term growth of capital, by
investing predominantly in a diversified portfolio of equity and equity related securities in the domestic and international markets.

Disclaimer - This document is meant for private circulation only and should not at any point of time be construed to be an invitation to the public for subscribing to the units of Birla Sun Life Mutual Fund (BSLMF) . Birla Sun Life
Mutual Fund (BSLMF) does not solicit any action based on the information contained in the document and does not recommend any action based on the same. The information/graphs/charts contained in this document are
based on certain assumptions and have been compiled from sources, which Birla Sun Life Asset Management Company Limited (BSLAMC) believes to be reliable, but cannot guarantee its accuracy or completeness. Opinions
expressed and facts referred to in this document are subject to change without notice and BSLAMC is under no obligation to update the same. Please read the offer document carefully for scheme specific risk factors and other
details before investing.

Risk Factors: Mutual Funds and securities investments are subject to market risks and there can be no assurance or guarantee that the objectives of the Schemes will be achieved. As with any investment in securities, the
NAV of the Units issued under the Schemes may go up or down depending on the various factors and forces affecting capital markets and money markets. Past performance of the Sponsors / Investment Manager / Mutual
Fund does not indicate the future performance of the Schemes and may not necessarily provide a basis of comparison with other investments. The names of the Schemes do not, in any manner, indicate either the quality of the
Schemes or their future prospects or returns. Unitholders in the schemes are not being offered any guaranteed/assured returns. For scheme specific risk factors and other details please read the offer document of the
schemes available at Investor Service Centres and with Distributors carefully before investing.



Awards Methodology
Award : CNBC TV18 - CRISIL Mutual Fund of the Year Award for 2007. Birla Sun Life Mutual Fund, Category – Mutual Fund of the Year, out of 26 fund houses. Fund Houses winning at least two awards for their schemes in
the category level awards for 2007 were considered for the award based on consistency of fund house's performance across various scheme categories in the four quarterly CRISIL CPR rankings released during the calendar
year 2007. The individual CRISIL CPR ranks for their schemes were aggregated on a weighted average basis to arrive at the final ranks for fund houses.

Birla Sun Life Frontline Equity Scheme was among the 2 schemes that won the CNBC TV18 - CRISIL Mutual Fund of the Year Award in the category- Large Cap Oriented Equity Funds. In total 22 schemes were eligible for the
award universe. Birla MIP was the only scheme that won the CNBC TV18 - CRISIL Mutual Fund of the Year Award in the category- Monthly Income Plans (Conservative). In total 9 schemes were eligible for the award universe.
Birla Sun Life Short Term Fund was the only scheme that won the CNBC TV18 - CRISIL Mutual Fund of the Year Award in the category of Income Short Term Funds. In total 12 Schemes were eligible for the award universe.
Birla Sun Life Income Fund was the only scheme that won the CNBC TV18 - CRISIL Mutual und of the Year Award in the category of Income Funds. In total 17 Schemes were eligible for the award universe. Schemes present
in all four quarter CRISIL CPRs were considered for the award. The award is based on consistency of scheme's performance in the four quarterly CRISIL CPR rankings released during the calendar year 2007. The individual
CRISIL CPR parameter scores averaged for the four quarters were further multiplied by the parameter weight as per the CRISIL CPR methodology to arrive at the final scores. Birla Infrastructure Fund was the only scheme that
won the CNBC TV18 - CRISIL Mutual Fund of the Year Award in the category- Emerging Equity Fund of the Year. In total 14 schemes were eligible for the award universe. Open ended equity schemes having a one to two year
track record as on December 31, 2007 and fulfilling CRISIL's eligibility criteria on disclosure were considered for the award. The award is based on the scheme's performance using the analytical approach of the CRISIL CPR
rankings having the analysis period as the year 2007.

A detailed methodology of the CRISIL CPR is available at www.crisil.com. Ranking & Award Source: CRISIL Fund Services, CRISIL Ltd. Past performance is no guarantee of future results.

ICRA Award: Birla Income Plus (Category- Debt- Schemes –Long Term), 7- Star indicates- Best performance amongst the 5-Star Funds. 1 year Performance for the period ending December 31, 2007. Birla Sun Life Short Term
Fund (Growth)- (Category- Liquid Plus Schemes), 7- Star indicates- Best performance amongst the 5-Star Funds. 1 year Performance for the period ending December 31, 2007. The rank is an outcome of an objective and
comparative analysis against various parameters, including: risk adjusted return, fund size, sector concentration, portfolio turnover, liquidity, company concentration and average maturity. The ranking methodology did not take
into account entry and exit loads imposed by the scheme. The rank is neither a certificate of statutory compliance nor any guarantee on the future performance of Birla Sun Life Mutual Fund or its Schemes. Ranking source and
publisher: ICRA Online.

Lipper Awards 2008: Methodology: Birla Sun Life Income Fund –Growth: Best Fund –Bond Indian Rupee –General for 3 year performance period ended on December 31, 2007 out of 100 funds and Best Fund –Bond Indian
Rupee –General for 10 year performance period ended on December 31, 2007, out of 35 funds. Birla Gilt Plus- Regular Plan- Growth: Best Fund –Bond Indian Rupee –Government for 5 year performance period ended on
December 31, 2007, out of 10 funds. Birla Sun Life '95 Fund: Best Fund- Mixed Assets Aggressive- General for 10 year performance period ended on December 31, 2007, out of 6 funds. Entry / Exit load not considered. Past
performance is no guarantee of future results. Ranking source: Lipper –A Reuter Company.

Scheme Name, Nature & Objective: Birla Sun Life Frontline Equity Fund (an Open- end growth scheme) with an objective of long term growth of capital, through a portfolio with a target allocation of 100% equity by aiming
at being as diversified across various industries and or sectors as its chosen benchmark index, BSE 200. Birla Sun Life Monthly Income (an Open-end income scheme) with an objective to generate regular income so as to
make monthly and quarterly distribution to unit holders with the secondary objective being growth of capital. Monthly Income is not assured and is subject to availability of distributable surplus. Birla Sun Life Short Term Fund
(an Open-end short term income scheme) with an objective to generate income and capital appreciation by investing 100% of the corpus in a diversified portfolio of debt and money market securities with relatively low levels of
interest rate risk. Birla Sun Life Income Fund (an Open-end income scheme) with an objective to generate income and capital appreciation by investing 100% of the corpus in a diversified portfolio of debt and money market
securities. Birla Infrastructure Fund (an Open-end growth scheme) with an objective of providing for medium to long-term capital appreciation by investing predominantly in a diversified portfolio of equity and equity related
securities of companies that are participating in the growth and development of infrastructure in India. Birla Income Plus (an Open-end income scheme) with an objective to generate consistent income through superior yields on
its investments at moderate levels of risk through a diversified investment approach. Birla Gilt Plus (an Open-end Government Securities scheme) with an objective to generate income and capital appreciation through
investments exclusively in Government Securities. Birla Sun Life '95 Fund (an Open-end balanced scheme) with an objective of long term growth of capital and current income, through a portfolio of equity and fixed income
securities.



Annexure 1 – Total Savings with Century SIP

Life Cover – Y 1 = Rs. 200,000; Y 2 = Rs. 1,000,000; Year 3 onwards = Rs. 2,000,000

Term Life Insurance Premium for Various Ages
Features 25 Y 35 Y 45 Y
Year 1 Year 2 Year 3 Year 1 Year 2 Year 3 Year 1 Year 2 Year 3
Sum Insured Rs. 200,000 Rs. 1,000,000 Rs. 2,000,000 Rs. 200,000 Rs. 1,000,000 Rs. 2,000,000 Rs. 200,000 Rs. 1,000,000 Rs. 2,000,000

Premium Payment
1Y 1Y 28 Y 1Y 1Y 18 Y 1Y 1Y 8Y
Term~

Annual Premium^ Rs. 700 Rs. 3,500 Rs. 7,000 Rs. 800 Rs. 4,000 Rs. 8,000 Rs. 1,315 Rs. 6,575 Rs. 13,150

Total Premium Rs. 700 Rs. 3,500 Rs. 196,000 Rs. 800 Rs. 4,000 Rs. 144,000 Rs. 1,315 Rs. 6,575 Rs. 105,200

Total Savings Rs. 200,200 Rs. 148,800 Rs. 113,090

^ Based on market estimates; ~ upto age 55



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