1. BSLI Foresight – Key benefits
DISCLAIMER
1) Insurance is the subject matter of the solicitation
2) Investment risk in the investment portfolio is borne by the policyholder
3) The premium paid in Unit Linked Life Insurance policies are subject to investment risks
associated with capital markets and the NAVs of the units may go up or down based on the
performance of the fund and factors influencing the capital market and the insured is
responsible for his or her decision.
4) For more details on risk factors, terms and conditions please read sales brochure carefully
before concluding the sale.
5) This Document is for Training purpose only and not for solicitation
Compliance No. TRA/2/10-11/4491
Page 1/2
2. BSLI Foresight – Key benefits
Limited period
• Pay for 5 years and get policy term of 10 years
premium
• Premium payment is through annual mode only
payment
• Minimum Basic sum assured
Choice of sum • = 10 X basic premium (for age < 45 years)
assured • = 7 X basic premium (for age => 45 years)
• Option to choose sum assured of 150%, 200%, 250% or 300% of minimum basic sum assured
Death Benefit • Sum assured + Fund value
• All premiums get invested in BSLI Foresight fund
• Number of units once allotted will never reduce because of zero policy administration charge
Unique benefit • Get the benefit of investing on the best day. Get the lowest NAV during the year of premium payment
of Foresight • Lock your gains on the best day in 5 policy years. Value as per highest NAV during 5 policy years is guaranteed
• You are guaranteed HIGHER of following
o “Value as per highest NAV during 5 policy years + Benefit of lowest NAV during year of premium
payment” OR
o Value as per highest NAV during 7 policy years
Maturity Benefit • Get higher of guaranteed amount (as shown above) or value as per actual NAV at maturity,
whichever is higher
• Unlimited partial withdrawals after 5 policy years or age 18 of life insured (whichever is later)
Liquidity • In case of making partial withdrawal, the guarantees will be reduced proportionately
• Loans available
Advance • Facility to pay 5 premiums in advance at policy inception
Premium • Discount of 5% per year on renewals paid in advance as per the below table
Pay
POLICY YEAR PREMIUM DISCOUNT FACTOR PREMIUM PAYABLE
1 1,00,000 0 1,00,000
2 1,00,000 5% 95,000
3 1,00,000 10% 90,000
4 1,00,000 15% 85,000
5 1,00,000 20% 80,000
TOTAL PREMIUM PAYABLE (Rs.) 4,50,000
Please refer product brochure for further details Page 2/2 Compliance No. TRA/2/10-11/4491
