1. Plan your family's future with
complete control on your investment
Birla Sun Life Insurance
Call: 1-800-270-7000 www.birlasunlife.com sms CLASSIC to 56161
Classic Endowment Plan
Advantage of financial protection with investment flexibility
Regd. Office: One Indiabulls Centre, Tower 1, 15th & 16th Floor, Jupiter Mill Compound, 841,
Senapati Bapat Marg, Elphinstone Road, Mumbai 400013. Reg. No. 109 Unique No.: 109L061V01
ADV/12/10-11/4371 VER 3/Sept/ 2011
20 1

2. THE SALIENT BENEFITS OF THE PLAN ARE
• You choose the Savings Date that suits your savings objectives
• You choose the premium amount you want to pay every year prior to your Savings Date
• You can also choose to pay your premium for only 5, 10, 15 or 20 years through our
short-pay options
• You will enjoy a life cover of no less than the Basic Sum Assured throughout the policy term
• You also have the freedom -
- To increase the financial security for your loved ones by choosing an Enhanced
Sum Assured;
- To increase the protection under this plan by choosing additional riders; and
- To meet any emergency fund requirements by making partial withdrawals or taking a
policy loan
• Finally, you enjoy tax benefits under section 80C and section 10 (10D) of the Income
Tax Act, 1961
Plan at a glance
Policy Term 10, 15, 20, 25 and 30 years
Savings Date Same as policy term
Entry Age 1 year to 65 years, subject to minimum age of 18 on Savings Date
Basic Premium Minimum Rs. 25,000 p.a. if paid annually
Minimum Rs. 30,000 p.a. if paid monthly, quarterly or semi-annually
Pay Term Short pay - 5, 10, 15, 20 years | To Savings Date
Top-up Premium Minimum Rs. 5,000
Enhanced Sum Assured Minimum Rs. 50,000 and not exceeding Basic Sum Assured,
Entry Age 18 to 65 years, subject to maximum age of 75 on Savings Date
THINGS YOU NEED TO KNOW
In this policy, investment risk in investment portfolio is borne by the policyholder.
BSLI Classic Endowment Plan is a non-participating unit-linked life insurance plan. All unit-
As a sensible family person, your priority in life is to secure the happiness of your family by linked life insurance plans are different from traditional insurance plans and are subject to
way of protection and financial stability. Not just for today, but also in the long term. More different risk factors. The name of this plan and that of the investment funds do not in any way
importantly, you have to financially safe guard your loved ones against any eventuality. indicate the quality of the plan or future returns.
Presenting the BSLI Classic Endowment Plan, a plan that not only helps you to save for a In this plan, the investment risk in the investment funds chosen by you is borne by you.
future but also lets you reap rich benefits from the investment of your choice. Also keeps your Investment funds are subject to investment risks and unit prices may go up or down reflecting
family financially independent, even if you are not around. the market value of the underlying assets. Past performance is no guarantee of future results.
2 3

3. THE SALIENT BENEFITS OF THE PLAN ARE
• You choose the Savings Date that suits your savings objectives
• You choose the premium amount you want to pay every year prior to your Savings Date
• You can also choose to pay your premium for only 5, 10, 15 or 20 years through our
short-pay options
• You will enjoy a life cover of no less than the Basic Sum Assured throughout the policy term
• You also have the freedom -
- To increase the financial security for your loved ones by choosing an Enhanced
Sum Assured;
- To increase the protection under this plan by choosing additional riders; and
- To meet any emergency fund requirements by making partial withdrawals or taking a
policy loan
• Finally, you enjoy tax benefits under section 80C and section 10 (10D) of the Income
Tax Act, 1961
Plan at a glance
Policy Term 10, 15, 20, 25 and 30 years
Savings Date Same as policy term
Entry Age 1 year to 65 years, subject to minimum age of 18 on Savings Date
Basic Premium Minimum Rs. 25,000 p.a. if paid annually
Minimum Rs. 30,000 p.a. if paid monthly, quarterly or semi-annually
Pay Term Short pay - 5, 10, 15, 20 years | To Savings Date
Top-up Premium Minimum Rs. 5,000
Enhanced Sum Assured Minimum Rs. 50,000 and not exceeding Basic Sum Assured,
Entry Age 18 to 65 years, subject to maximum age of 75 on Savings Date
THINGS YOU NEED TO KNOW
In this policy, investment risk in investment portfolio is borne by the policyholder.
BSLI Classic Endowment Plan is a non-participating unit-linked life insurance plan. All unit-
As a sensible family person, your priority in life is to secure the happiness of your family by linked life insurance plans are different from traditional insurance plans and are subject to
way of protection and financial stability. Not just for today, but also in the long term. More different risk factors. The name of this plan and that of the investment funds do not in any way
importantly, you have to financially safe guard your loved ones against any eventuality. indicate the quality of the plan or future returns.
Presenting the BSLI Classic Endowment Plan, a plan that not only helps you to save for a In this plan, the investment risk in the investment funds chosen by you is borne by you.
future but also lets you reap rich benefits from the investment of your choice. Also keeps your Investment funds are subject to investment risks and unit prices may go up or down reflecting
family financially independent, even if you are not around. the market value of the underlying assets. Past performance is no guarantee of future results.
2 3

4. YOUR CHOICES YOUR BENEFITS
1. Savings Date - the date on which your policy matures. Your options are 10th, 15th, 20th, 25th or 1. Guaranteed Additions - in the form of additional units will be added to your policy:
30th policy anniversary. • On 10th policy anniversary and on every 5th policy anniversary thereafter. Guaranteed
2. Basic Premium - the premium amount you commit to pay every year during the pay term. Addition is 2.50% of the Basic Premiums paid in the last 60 months
Your Basic Sum Assured will be determined based on the premium amount you commit. • In addition on 11th policy anniversary and every policy anniversary thereafter. Guaranteed
Addition is 0.25% of the average Fund Value in the last 12 months
3. Pay Term - your Basic Premium is due every policy year prior to the Savings Date. We also
offer short pay options of 5-Pay, 10-Pay, 15-Pay or 20-Pay for your convenience. 2. Death Benefit - in the unfortunate event of the death of the life insured prior to maturity,
we will pay to the nominee the greater of (a) the Fund Value as on date of intimation of
4. Pay Mode - you can pay in monthly, quarterly, semi-annual or annual instalments. For
death or (b) the Basic Sum Assured reduced for partial withdrawals as follows:
monthly instalments, two payments are required upfront at entry. Please ask your financial
• Before the life insured attains the age of 60, the Basic Sum Assured payable on death is
advisor for details about the range of convenient payment methods we offer.
reduced by partial withdrawals made in the preceding two years
Basic Sum Assured (1) is the minimum death benefit payable on the death of the life insured. • Once the life insured attains the age of 60, the Basic Sum Assured payable on death is
The Basic Sum Assured is automatically determined as your Basic Premium multiplied by: reduced by all partial withdrawals made from age 58 onwards
• The higher of 10 or the number of years to maturity divided by 2, for entry ages below 45; or In addition we will also pay the Enhanced Sum Assured, if any.
• The higher of 7 or the number of years to maturity divided by 4, for entry ages 45 and above Death benefit shall never be less than 105% of total premiums paid to date (excluding any
applicable rider premium and/or underwriting extras) less any previous partial withdrawals.
Based on your insurance needs, you can increase the amount of protection by opting for
Enhanced Sum Assured at inception. Enhanced Sum Assured will be paid in addition to 3. Surrender Benefit - in case of emergencies, you can surrender your policy to us after the
the Basic Sum Assured under the Death Benefit prior to the Savings Date. You can completion of five policy years and receive the Fund Value at that time.
choose any amount of Enhanced Sum Assured, subject to a minimum of Rs. 50,000. We will 4. Maturity Benefit - you will receive the Fund Value at maturity.
calculate the Enhanced SA Premium payable by you and this premium will be added to
your Basic Premium. YOUR INVESTMENT OPTIONS
You may wish to invest additional amounts to your premium as top-up premiums anytime
Self-Managed Option gives you access to our well established suite of 10 investment funds,
during the policy term, except in the five years prior to the maturity date; as long as all due
complete control in how to invest your premiums and full freedom to switch from one
policy premiums have been paid. The minimum top-up premium is Rs. 5,000 and your Basic
investment fund to another.
Sum Assured will be automatically increased by the top-up premium being paid multiplied by:
Our 10 investment funds range from 100% debt to 100% equity to suit your particular needs
• 125% if the attained age of the life insured is less than 45 years; or
and risk appetite - Income Advantage, Assure, Protector, Builder, Enhancer, Creator,
• 110% if the attained age of the life insured is 45 years or more Magnifier, Maximiser, Multiplier and Super 20. If you wish to diversify your risk, you can choose
The Basic Premium (net of premium allocation charge), the Enhanced SA Premium and any to allocate your premium in varying proportions amongst the 10 investment funds. We record
top-up premium will be used to purchase units in the various investment fund/s offered under your allocation instructions as per the premium allocation percentages specified in the
this plan and as chosen by you. The units purchased in the investment fund is the monetary application form. Our only requirement is that the percentage allocated to any investment fund
amount allocated to the investment fund divided by its then prevailing unit price. be in increments of 5%, ranging from 5% to 100%.
To meet your ever changing investment needs, you have full flexibility to redirect future
Fund Value represents the total value of your investments to date and is the balance of all units
premiums by changing your premium allocation percentages at any time. You also have full
allocated to the investment fund/s chosen by you multiplied by its then prevailing unit price.
flexibility to switch monies from one investment fund to another at any time provided the
(1)
Basic Sum Assured is reduced for partial withdrawals as explained later. switched amount is for at least Rs. 5,000.
4 5

5. YOUR CHOICES YOUR BENEFITS
1. Savings Date - the date on which your policy matures. Your options are 10th, 15th, 20th, 25th or 1. Guaranteed Additions - in the form of additional units will be added to your policy:
30th policy anniversary. • On 10th policy anniversary and on every 5th policy anniversary thereafter. Guaranteed
2. Basic Premium - the premium amount you commit to pay every year during the pay term. Addition is 2.50% of the Basic Premiums paid in the last 60 months
Your Basic Sum Assured will be determined based on the premium amount you commit. • In addition on 11th policy anniversary and every policy anniversary thereafter. Guaranteed
Addition is 0.25% of the average Fund Value in the last 12 months
3. Pay Term - your Basic Premium is due every policy year prior to the Savings Date. We also
offer short pay options of 5-Pay, 10-Pay, 15-Pay or 20-Pay for your convenience. 2. Death Benefit - in the unfortunate event of the death of the life insured prior to maturity,
we will pay to the nominee the greater of (a) the Fund Value as on date of intimation of
4. Pay Mode - you can pay in monthly, quarterly, semi-annual or annual instalments. For
death or (b) the Basic Sum Assured reduced for partial withdrawals as follows:
monthly instalments, two payments are required upfront at entry. Please ask your financial
• Before the life insured attains the age of 60, the Basic Sum Assured payable on death is
advisor for details about the range of convenient payment methods we offer.
reduced by partial withdrawals made in the preceding two years
Basic Sum Assured (1) is the minimum death benefit payable on the death of the life insured. • Once the life insured attains the age of 60, the Basic Sum Assured payable on death is
The Basic Sum Assured is automatically determined as your Basic Premium multiplied by: reduced by all partial withdrawals made from age 58 onwards
• The higher of 10 or the number of years to maturity divided by 2, for entry ages below 45; or In addition we will also pay the Enhanced Sum Assured, if any.
• The higher of 7 or the number of years to maturity divided by 4, for entry ages 45 and above Death benefit shall never be less than 105% of total premiums paid to date (excluding any
applicable rider premium and/or underwriting extras) less any previous partial withdrawals.
Based on your insurance needs, you can increase the amount of protection by opting for
Enhanced Sum Assured at inception. Enhanced Sum Assured will be paid in addition to 3. Surrender Benefit - in case of emergencies, you can surrender your policy to us after the
the Basic Sum Assured under the Death Benefit prior to the Savings Date. You can completion of five policy years and receive the Fund Value at that time.
choose any amount of Enhanced Sum Assured, subject to a minimum of Rs. 50,000. We will 4. Maturity Benefit - you will receive the Fund Value at maturity.
calculate the Enhanced SA Premium payable by you and this premium will be added to
your Basic Premium. YOUR INVESTMENT OPTIONS
You may wish to invest additional amounts to your premium as top-up premiums anytime
Self-Managed Option gives you access to our well established suite of 10 investment funds,
during the policy term, except in the five years prior to the maturity date; as long as all due
complete control in how to invest your premiums and full freedom to switch from one
policy premiums have been paid. The minimum top-up premium is Rs. 5,000 and your Basic
investment fund to another.
Sum Assured will be automatically increased by the top-up premium being paid multiplied by:
Our 10 investment funds range from 100% debt to 100% equity to suit your particular needs
• 125% if the attained age of the life insured is less than 45 years; or
and risk appetite - Income Advantage, Assure, Protector, Builder, Enhancer, Creator,
• 110% if the attained age of the life insured is 45 years or more Magnifier, Maximiser, Multiplier and Super 20. If you wish to diversify your risk, you can choose
The Basic Premium (net of premium allocation charge), the Enhanced SA Premium and any to allocate your premium in varying proportions amongst the 10 investment funds. We record
top-up premium will be used to purchase units in the various investment fund/s offered under your allocation instructions as per the premium allocation percentages specified in the
this plan and as chosen by you. The units purchased in the investment fund is the monetary application form. Our only requirement is that the percentage allocated to any investment fund
amount allocated to the investment fund divided by its then prevailing unit price. be in increments of 5%, ranging from 5% to 100%.
To meet your ever changing investment needs, you have full flexibility to redirect future
Fund Value represents the total value of your investments to date and is the balance of all units
premiums by changing your premium allocation percentages at any time. You also have full
allocated to the investment fund/s chosen by you multiplied by its then prevailing unit price.
flexibility to switch monies from one investment fund to another at any time provided the
(1)
Basic Sum Assured is reduced for partial withdrawals as explained later. switched amount is for at least Rs. 5,000.
4 5

6. YOUR INVESTMENT FUNDS
Income Advantage
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.
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.
Assure
Objective: To provide capital conservation, at a high level of safety and liquidity through
judicious investments in high quality short-term debt.
Strategy: To generate better return with low level of risk through investment into fixed interest
securities having short-term maturity profile.
Protector
Objective: To generate consistent returns through active management of a fixed income
portfolio and focus on creating a long-term equity portfolio, which will enhance the yield of the
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 investment fund is suitable for those who want to preserve their capital and
earn a steady return on investment through higher exposure to debt securities.
Builder
Objective: To build 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: To generate better returns with moderate level of risk through active management of
a fixed income portfolio and focus on creating a long-term equity portfolio, which will enhance the
yield of the composite portfolio with low level of risk appetite.
Enhancer
Objective: To grow 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. It is suitable for individuals seeking, higher returns with a balanced
equity-debt exposure.
6 7

7. YOUR INVESTMENT FUNDS
Income Advantage
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.
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.
Assure
Objective: To provide capital conservation, at a high level of safety and liquidity through
judicious investments in high quality short-term debt.
Strategy: To generate better return with low level of risk through investment into fixed interest
securities having short-term maturity profile.
Protector
Objective: To generate consistent returns through active management of a fixed income
portfolio and focus on creating a long-term equity portfolio, which will enhance the yield of the
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 investment fund is suitable for those who want to preserve their capital and
earn a steady return on investment through higher exposure to debt securities.
Builder
Objective: To build 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: To generate better returns with moderate level of risk through active management of
a fixed income portfolio and focus on creating a long-term equity portfolio, which will enhance the
yield of the composite portfolio with low level of risk appetite.
Enhancer
Objective: To grow 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. It is suitable for individuals seeking, higher returns with a balanced
equity-debt exposure.
6 7

8. Strategy: To earn capital appreciation by maintaining a diversified equity portfolio and seek to Super 20
earn regular returns on the fixed income portfolio by active management resulting in wealth
Objective: To generate long-term capital appreciation for policyholders by making investments
creation for policy owners.
in fundamentally strong and liquid large cap companies.
Creator Strategy: To build and actively manage an equity portfolio of 20 fundamentally strong large
Objective: To achieve optimum balance between growth and stability to provide long-term cap stocks in terms of market capitalisation by following an in-depth research-focused
capital appreciation with balanced level of risk by investing in fixed income securities and high investment approach. The fund will attempt to adequately diversify across sectors. The fund
quality equity security. This fund option is for those who are willing to take average to high level will invest in companies having financial strength, robust, efficient & visionary management,
of risk to earn attractive returns over a long period of time. enjoying competitive advantage along with good growth prospects & adequate market liquidity.
Strategy: To invest into fixed income securities & maintaining diversified equity portfolio The fund will adopt a disciplined yet flexible long-term approach towards investing with a focus
along with active fund management policyholder's wealth in long run. on generating long-term capital appreciation. The non-equity portion of the fund will be
invested in high rated money market instruments and fixed deposits. The fund will also
Magnifier
maintain reasonable level of liquidity.
Objective: To maximize wealth by managing diversified portfolio.
Strategy: To invest in high quality equity security to provide long-term capital appreciation with The portfolio of different investment funds is given below:
high level of risk. This fund option is suitable for those who want to have wealth maximisation
Investment Risk Segregated Fund
Asset Allocation* Min. Max.
over long-term period with equity market dynamics. Fund Profile Identification Number
Income Very Debt Instruments, Money Market & Cash 100% 100%
Maximiser ULIF01507/08/08BSLIINCADV109
Advantage Low Equities & Equity Related Securities 0% 0%
Objective: To provide long term capital appreciation by actively managing a well-diversified
Very Debt Instruments, Money Market & Cash 100% 100%
Assure ULIF01008/07/05BSLIASSURE109
equity portfolio of fundamentally strong blue chip companies. Further, the fund seeks to Low Equities & Equity Related Securities 0% 0%
provide a cushion against the sudden volatility in the equities through some investments in Debt Instruments, Money Market & Cash 90% 100%
Protector Low ULIF00313/03/01BSLPROTECT109
short-term money market instruments. Equities & Equity Related Securities 0% 10%
Strategy: To build and actively manage a well-diversified equity portfolio of value and growth Builder Low ULIF00113/03/01BSLBUILDER109
Debt Instruments, Money Market & Cash 80% 90%
Equities & Equity Related Securities 10% 20%
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 Debt Instruments, Money Market & Cash 65% 80%
Enhancer Medium ULIF00213/03/01BSLENHANCE109
Equities & Equity Related Securities 20% 35%
the long-term advantage of the policyholders. The fund will also explore the option of having
Debt Instruments, Money Market & Cash 50% 70%
exposure to quality mid cap stocks. The non-equity portion of the fund will be invested in good Creator Medium ULIF00704/02/04BSLCREATOR109
Equities & Equity Related Securities 30% 50%
rated (P1/A1 & above) money market instruments and fixed deposits. The fund will also
Debt Instruments, Money Market & Cash 10% 50%
maintain a reasonable level of liquidity. Magnifier High ULIF00826/06/04BSLIIMAGNI109
Equities & Equity Related Securities 50% 90%
Multiplier Maximiser High ULIF01101/06/07BSLIINMAXI109
Debt Instruments, Money Market & Cash 0% 20%
Equities & Equity Related Securities 80% 100%
Objective: To provide long-term wealth maximisation by actively managing a well-diversified
Debt Instruments, Money Market & Cash 0% 20%
equity portfolio, predominantly comprising of companies whose market capitalisation is close Multiplier High ULIF01217/10/07BSLINMULTI109
Equities & Equity Related Securities 80% 100%
to Rs. 1000 crores and above.
Debt Instruments, Money Market & Cash 0% 20%
Super 20 High ULIF01723/06/09BSLSUPER20109
Strategy: To build and actively manage a well-diversified equity portfolio of value & growth Equities & Equity Related Securities 80% 100%
driven stocks by following a research driven investment approach. The investments would be * In each investment fund, the Money Market & Cash asset allocation will not exceed 40%.
predominantly made in mid cap stocks, with an option to invest 30% in large cap stocks as well.
Money Market Instruments are debt instruments of less than one year maturity. It includes mutual funds, collateralised
While appreciating the high risk associated with equities, the fund would attempt to maximize borrowing & lending obligation, certificate of deposits, commercial papers etc. Investment in Money Market Instrument
the risk-return pay-off for the long-term advantage of the policyholders. The fund will also supports for better liquidity management.
maintain reasonable level of liquidity.
8 9

9. Strategy: To earn capital appreciation by maintaining a diversified equity portfolio and seek to Super 20
earn regular returns on the fixed income portfolio by active management resulting in wealth
Objective: To generate long-term capital appreciation for policyholders by making investments
creation for policy owners.
in fundamentally strong and liquid large cap companies.
Creator Strategy: To build and actively manage an equity portfolio of 20 fundamentally strong large
Objective: To achieve optimum balance between growth and stability to provide long-term cap stocks in terms of market capitalisation by following an in-depth research-focused
capital appreciation with balanced level of risk by investing in fixed income securities and high investment approach. The fund will attempt to adequately diversify across sectors. The fund
quality equity security. This fund option is for those who are willing to take average to high level will invest in companies having financial strength, robust, efficient & visionary management,
of risk to earn attractive returns over a long period of time. enjoying competitive advantage along with good growth prospects & adequate market liquidity.
Strategy: To invest into fixed income securities & maintaining diversified equity portfolio The fund will adopt a disciplined yet flexible long-term approach towards investing with a focus
along with active fund management policyholder's wealth in long run. on generating long-term capital appreciation. The non-equity portion of the fund will be
invested in high rated money market instruments and fixed deposits. The fund will also
Magnifier
maintain reasonable level of liquidity.
Objective: To maximize wealth by managing diversified portfolio.
Strategy: To invest in high quality equity security to provide long-term capital appreciation with The portfolio of different investment funds is given below:
high level of risk. This fund option is suitable for those who want to have wealth maximisation
Investment Risk Segregated Fund
Asset Allocation* Min. Max.
over long-term period with equity market dynamics. Fund Profile Identification Number
Income Very Debt Instruments, Money Market & Cash 100% 100%
Maximiser ULIF01507/08/08BSLIINCADV109
Advantage Low Equities & Equity Related Securities 0% 0%
Objective: To provide long term capital appreciation by actively managing a well-diversified
Very Debt Instruments, Money Market & Cash 100% 100%
Assure ULIF01008/07/05BSLIASSURE109
equity portfolio of fundamentally strong blue chip companies. Further, the fund seeks to Low Equities & Equity Related Securities 0% 0%
provide a cushion against the sudden volatility in the equities through some investments in Debt Instruments, Money Market & Cash 90% 100%
Protector Low ULIF00313/03/01BSLPROTECT109
short-term money market instruments. Equities & Equity Related Securities 0% 10%
Strategy: To build and actively manage a well-diversified equity portfolio of value and growth Builder Low ULIF00113/03/01BSLBUILDER109
Debt Instruments, Money Market & Cash 80% 90%
Equities & Equity Related Securities 10% 20%
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 Debt Instruments, Money Market & Cash 65% 80%
Enhancer Medium ULIF00213/03/01BSLENHANCE109
Equities & Equity Related Securities 20% 35%
the long-term advantage of the policyholders. The fund will also explore the option of having
Debt Instruments, Money Market & Cash 50% 70%
exposure to quality mid cap stocks. The non-equity portion of the fund will be invested in good Creator Medium ULIF00704/02/04BSLCREATOR109
Equities & Equity Related Securities 30% 50%
rated (P1/A1 & above) money market instruments and fixed deposits. The fund will also
Debt Instruments, Money Market & Cash 10% 50%
maintain a reasonable level of liquidity. Magnifier High ULIF00826/06/04BSLIIMAGNI109
Equities & Equity Related Securities 50% 90%
Multiplier Maximiser High ULIF01101/06/07BSLIINMAXI109
Debt Instruments, Money Market & Cash 0% 20%
Equities & Equity Related Securities 80% 100%
Objective: To provide long-term wealth maximisation by actively managing a well-diversified
Debt Instruments, Money Market & Cash 0% 20%
equity portfolio, predominantly comprising of companies whose market capitalisation is close Multiplier High ULIF01217/10/07BSLINMULTI109
Equities & Equity Related Securities 80% 100%
to Rs. 1000 crores and above.
Debt Instruments, Money Market & Cash 0% 20%
Super 20 High ULIF01723/06/09BSLSUPER20109
Strategy: To build and actively manage a well-diversified equity portfolio of value & growth Equities & Equity Related Securities 80% 100%
driven stocks by following a research driven investment approach. The investments would be * In each investment fund, the Money Market & Cash asset allocation will not exceed 40%.
predominantly made in mid cap stocks, with an option to invest 30% in large cap stocks as well.
Money Market Instruments are debt instruments of less than one year maturity. It includes mutual funds, collateralised
While appreciating the high risk associated with equities, the fund would attempt to maximize borrowing & lending obligation, certificate of deposits, commercial papers etc. Investment in Money Market Instrument
the risk-return pay-off for the long-term advantage of the policyholders. The fund will also supports for better liquidity management.
maintain reasonable level of liquidity.
8 9

10. TRACKING AND ACCESSING YOUR INVESTMENTS
You can monitor your investments
• On our website (www.birlasunlife.com) with your CPIN and TPIN number;
• Through the semi-annual statement detailing the number of units you have in each
investment fund and their respective unit price as of the last policy anniversary; and
• Through the published unit prices of all investment funds on our website as well as in
the newspapers
Partial Withdrawals
You are allowed to make unlimited partial withdrawals any time after (a) five complete policy
years or (b) life insured attaining the age of 18, whichever is later. The minimum amount of
partial withdrawal is Rs. 5,000. There is no maximum limit, but you are required to maintain a
minimum Fund Value of Rs. 25,000 plus any top-up premiums paid in the previous five years.
POLICY CHARGES
Premium Allocation Charge
A premium allocation charge is levied on the Basic Premium when received:
• 7.50% of the Basic Premium received in the first policy year
• 6.50% of the Basic Premium received in the second policy year
• 5.00% of the Basic Premium received from the third year onwards
A premium allocation charge of 2% is levied on any top-up premium when paid. There is no
premium allocation charge on Enhanced SA Premium.
Fund Management Charge
The daily unit price of the investment fund is adjusted to reflect the fund management charge.
• 1.00% p.a. for Income Advantage, Assure, Protector and Builder
• 1.25% p.a. for Enhancer and Creator
• 1.35% p.a. for Magnifier, Maximiser, Multiplier and Super 20
We may change the fund management charge under any investment fund at any time in the
future subject to IRDA approval.
Policy Administration Charge
The policy administration charge is Rs. 20 per month for the first five policy years. It shall
increase to Rs. 25 per month in the sixth year and inflate at 5% p.a. thereafter. This charge
is levied monthly by canceling units proportionately from each investment fund you have at
that time.
10 11

11. TRACKING AND ACCESSING YOUR INVESTMENTS
You can monitor your investments
• On our website (www.birlasunlife.com) with your CPIN and TPIN number;
• Through the semi-annual statement detailing the number of units you have in each
investment fund and their respective unit price as of the last policy anniversary; and
• Through the published unit prices of all investment funds on our website as well as in
the newspapers
Partial Withdrawals
You are allowed to make unlimited partial withdrawals any time after (a) five complete policy
years or (b) life insured attaining the age of 18, whichever is later. The minimum amount of
partial withdrawal is Rs. 5,000. There is no maximum limit, but you are required to maintain a
minimum Fund Value of Rs. 25,000 plus any top-up premiums paid in the previous five years.
POLICY CHARGES
Premium Allocation Charge
A premium allocation charge is levied on the Basic Premium when received:
• 7.50% of the Basic Premium received in the first policy year
• 6.50% of the Basic Premium received in the second policy year
• 5.00% of the Basic Premium received from the third year onwards
A premium allocation charge of 2% is levied on any top-up premium when paid. There is no
premium allocation charge on Enhanced SA Premium.
Fund Management Charge
The daily unit price of the investment fund is adjusted to reflect the fund management charge.
• 1.00% p.a. for Income Advantage, Assure, Protector and Builder
• 1.25% p.a. for Enhancer and Creator
• 1.35% p.a. for Magnifier, Maximiser, Multiplier and Super 20
We may change the fund management charge under any investment fund at any time in the
future subject to IRDA approval.
Policy Administration Charge
The policy administration charge is Rs. 20 per month for the first five policy years. It shall
increase to Rs. 25 per month in the sixth year and inflate at 5% p.a. thereafter. This charge
is levied monthly by canceling units proportionately from each investment fund you have at
that time.
10 11

12. Mortality Charge
TERMS AND CONDITIONS
Mortality charge is deducted every month for providing you with the insurance cover. It is
charged by canceling units proportionately from each investment fund you have at that time. Policy Discontinuance
The charge per 1000 of Sum at Risk (Basic Sum Assured less Fund Value) will depend on the Throughout the Policy Term, you are given a grace period of 30-days (15-days in case your
gender and attained age of the life insured. premium is paid on a monthly basis) to pay the due premium. If we do not receive your full
Charge per 1000 of Sum at Risk premium by the end of the grace period, we shall send you a reminder notice within 15 days to
revive the policy by paying your due and unpaid premium or to choose to withdraw from the
Attained Age Age 25 Age 35 Age 45 Age 55 Age 65
policy completely.
Male 1.546 1.753 3.040 7.064 16.267
If you do not pay your due and unpaid premiums within 30 days as stipulated in our notice you
Female 1.502 1.605 2.505 5.494 13.197 shall be deemed to have chosen the option to completely withdraw from the policy. Till this
The charge for the Enhanced Sum Assured will depend on the Savings Date, gender and entry period, your policy as well as all insurance cover and charges will continue.
age of the life insured.
Charge per 1000 of Enhanced Sum Assured
Male Female
Savings Date 10 Yrs 15 Yrs 20 Yrs 25 Yrs 30 Yrs 10 Yrs 15 Yrs 20 Yrs 25 Yrs 30 Yrs
Entry Age 25 1.380 1.434 1.516 1.551 1.585 1.345 1.377 1.440 1.459 1.482
Entry Age 35 1.884 2.093 2.321 2.473 2.981 1.619 1.765 1.933 2.025 2.334
Entry Age 45 3.941 4.502 5.040 5.875 7.227 3.042 3.498 3.911 4.487 5.487
Entry Age 55 9.504 10.808 12.946 - - 7.341 8.255 9.308 - -
Sample rates are provided for your reference. Please visit our website or ask your financial advisor
for the rates applicable to you. Mortality charges are guaranteed throughout the policy term.
Miscellaneous Charges
We currently charge Rs. 50 per request for premium re-direction, fund switch and partial
withdrawal. We do however reserve the right to charge up to Rs. 500 per request in the future.
We presently charge Rs. 100 per policy revival. We may increase this charge in the future
subject to a maximum of Rs. 1,000 per revival. Any increase in miscellaneous will be subject
to IRDA approval.
Service Tax
Service Tax and other levies, as applicable, will be extra and levied as per the extant tax laws.
IRDA Approval
Only when specified and within stated limits, we may increase a particular charge at any time in
the future. We, however, need to get prior approval from the IRDA before such charge increase
is effective. Otherwise, all other charges in this policy are guaranteed to never increase during
the tenure of the policy.
12 13

13. Mortality Charge
TERMS AND CONDITIONS
Mortality charge is deducted every month for providing you with the insurance cover. It is
charged by canceling units proportionately from each investment fund you have at that time. Policy Discontinuance
The charge per 1000 of Sum at Risk (Basic Sum Assured less Fund Value) will depend on the Throughout the Policy Term, you are given a grace period of 30-days (15-days in case your
gender and attained age of the life insured. premium is paid on a monthly basis) to pay the due premium. If we do not receive your full
Charge per 1000 of Sum at Risk premium by the end of the grace period, we shall send you a reminder notice within 15 days to
revive the policy by paying your due and unpaid premium or to choose to withdraw from the
Attained Age Age 25 Age 35 Age 45 Age 55 Age 65
policy completely.
Male 1.546 1.753 3.040 7.064 16.267
If you do not pay your due and unpaid premiums within 30 days as stipulated in our notice you
Female 1.502 1.605 2.505 5.494 13.197 shall be deemed to have chosen the option to completely withdraw from the policy. Till this
The charge for the Enhanced Sum Assured will depend on the Savings Date, gender and entry period, your policy as well as all insurance cover and charges will continue.
age of the life insured.
Charge per 1000 of Enhanced Sum Assured
Male Female
Savings Date 10 Yrs 15 Yrs 20 Yrs 25 Yrs 30 Yrs 10 Yrs 15 Yrs 20 Yrs 25 Yrs 30 Yrs
Entry Age 25 1.380 1.434 1.516 1.551 1.585 1.345 1.377 1.440 1.459 1.482
Entry Age 35 1.884 2.093 2.321 2.473 2.981 1.619 1.765 1.933 2.025 2.334
Entry Age 45 3.941 4.502 5.040 5.875 7.227 3.042 3.498 3.911 4.487 5.487
Entry Age 55 9.504 10.808 12.946 - - 7.341 8.255 9.308 - -
Sample rates are provided for your reference. Please visit our website or ask your financial advisor
for the rates applicable to you. Mortality charges are guaranteed throughout the policy term.
Miscellaneous Charges
We currently charge Rs. 50 per request for premium re-direction, fund switch and partial
withdrawal. We do however reserve the right to charge up to Rs. 500 per request in the future.
We presently charge Rs. 100 per policy revival. We may increase this charge in the future
subject to a maximum of Rs. 1,000 per revival. Any increase in miscellaneous will be subject
to IRDA approval.
Service Tax
Service Tax and other levies, as applicable, will be extra and levied as per the extant tax laws.
IRDA Approval
Only when specified and within stated limits, we may increase a particular charge at any time in
the future. We, however, need to get prior approval from the IRDA before such charge increase
is effective. Otherwise, all other charges in this policy are guaranteed to never increase during
the tenure of the policy.
12 13

14. During the first five policy years - should you completely withdraw from the policy, the • Under Section 80C, premiums up to Rs. 1,00,000 are allowed as a deduction from your
insurance cover will cease and your fund value net of any discontinuance charge will be taxable income each year
transferred to the Discontinued Policy Fund. The Discontinued Policy Fund will be credited • Under Section 10 (10D), the benefits you receive from this plan are exempt from tax,
with a minimum interest rate of 3.5% p.a. on compounding basis and the proceeds from this will subject to mentioned exclusions
be payable to you on the date corresponding to your fifth policy anniversary or the date the life
Free-look Period
insured dies, if sooner. The discontinuance charge is as follows -
You will have the right to return your policy to us within 15 days from the date of receipt of the
Policy Discontinued For AP of Rs. 25,000 or more policy. We will pay the fund value plus all charges levied till date (excluding the fund
In Policy Year 1 Lower of 6% of AP, 6% of FV, Rs. 6,000 management charge) once we receive your written notice of cancellation (along with reasons
In Policy Year 2 Lower of 4% of AP, 4% of FV, Rs. 5,000
thereof) together with the original policy documents. Depending on our then current
administration rules, we may reduce the amount of the refund by expenditures incurred by us
In Policy Year 3 Lower of 3% of AP, 3% of FV, Rs. 4,000
in issuing your policy and as permitted by the IRDA and in accordance to IRDA (Protection of
In Policy Year 4 Lower of 2% of AP, 2% of FV, Rs. 2,000
Policyholders Interest) Regulations, 2002.
In Policy Year 5 Nil
Unit Price
Where AP is Annual Premium and FV is Fund Value
On each business day and for each investment fund, we determine the unit price by dividing
After five completed policy years - should you completely withdraw from the policy, the the net asset value (NAV) of the investment fund at the valuation time by the number of units in
insurance cover will cease and your fund value shall be paid to you immediately. existence for the investment fund in question. We publish the unit price of all investment funds
on our website www.birlasunlife.com
Policy Loans
The net asset value (NAV) is determined based on (the market value of investments held by
You can avail of a loan on your policy. The minimum loan amount is Rs. 5,000 and
the fund plus the value of any current assets less the value of any current liabilities &
the maximum loan amount is 40% of the fund value net of any discontinuance charges. The
provisions) divided by (the number of units existing at valuation date before creation or
interest we charge on such loans will be fixed by us from time to time. Any top-up premiums
redemption of any units).
paid shall first be adjusted towards your outstanding policy loan. Any proceeds payable upon
policy termination due to death, surrender or maturity shall be reduced by any outstanding Suicide
policy loan at that time. We will refund higher of the fund value or premiums paid to date in the event the life insured dies
Riders by suicide, whether medically sane or insane, within one year after the issue.
You can further customise your plan by adding the following riders: Section 41 of the Insurance Act, 1938
• BSLI Accidental Death and Disability Rider 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
• BSLI Critical Illness Rider
property in India, any rebate of the whole or part of the commission payable or any rebate of the
• BSLI Surgical Care Rider
premium shown on the policy, nor shall any person taking out or renewing or continuing a policy
• BSLI Hospital Care Rider accept any rebate, except such rebate as may be allowed in accordance with the published
• BSLI Waiver of Premium Rider prospectuses or tables of the insurer. Any person making default in complying with the
For further details please refer to detailed brochure on riders or consult your financial provisions of this section shall be punishable with a fine which may extend to five hundred rupees.
advisor or refer to our website.
Current Tax Benefits
As per extant tax laws, this plan offers tax benefits under Section 80C and Section 10 (10D) of
the Income Tax Act, 1961.
14 15

15. During the first five policy years - should you completely withdraw from the policy, the • Under Section 80C, premiums up to Rs. 1,00,000 are allowed as a deduction from your
insurance cover will cease and your fund value net of any discontinuance charge will be taxable income each year
transferred to the Discontinued Policy Fund. The Discontinued Policy Fund will be credited • Under Section 10 (10D), the benefits you receive from this plan are exempt from tax,
with a minimum interest rate of 3.5% p.a. on compounding basis and the proceeds from this will subject to mentioned exclusions
be payable to you on the date corresponding to your fifth policy anniversary or the date the life
Free-look Period
insured dies, if sooner. The discontinuance charge is as follows -
You will have the right to return your policy to us within 15 days from the date of receipt of the
Policy Discontinued For AP of Rs. 25,000 or more policy. We will pay the fund value plus all charges levied till date (excluding the fund
In Policy Year 1 Lower of 6% of AP, 6% of FV, Rs. 6,000 management charge) once we receive your written notice of cancellation (along with reasons
In Policy Year 2 Lower of 4% of AP, 4% of FV, Rs. 5,000
thereof) together with the original policy documents. Depending on our then current
administration rules, we may reduce the amount of the refund by expenditures incurred by us
In Policy Year 3 Lower of 3% of AP, 3% of FV, Rs. 4,000
in issuing your policy and as permitted by the IRDA and in accordance to IRDA (Protection of
In Policy Year 4 Lower of 2% of AP, 2% of FV, Rs. 2,000
Policyholders Interest) Regulations, 2002.
In Policy Year 5 Nil
Unit Price
Where AP is Annual Premium and FV is Fund Value
On each business day and for each investment fund, we determine the unit price by dividing
After five completed policy years - should you completely withdraw from the policy, the the net asset value (NAV) of the investment fund at the valuation time by the number of units in
insurance cover will cease and your fund value shall be paid to you immediately. existence for the investment fund in question. We publish the unit price of all investment funds
on our website www.birlasunlife.com
Policy Loans
The net asset value (NAV) is determined based on (the market value of investments held by
You can avail of a loan on your policy. The minimum loan amount is Rs. 5,000 and
the fund plus the value of any current assets less the value of any current liabilities &
the maximum loan amount is 40% of the fund value net of any discontinuance charges. The
provisions) divided by (the number of units existing at valuation date before creation or
interest we charge on such loans will be fixed by us from time to time. Any top-up premiums
redemption of any units).
paid shall first be adjusted towards your outstanding policy loan. Any proceeds payable upon
policy termination due to death, surrender or maturity shall be reduced by any outstanding Suicide
policy loan at that time. We will refund higher of the fund value or premiums paid to date in the event the life insured dies
Riders by suicide, whether medically sane or insane, within one year after the issue.
You can further customise your plan by adding the following riders: Section 41 of the Insurance Act, 1938
• BSLI Accidental Death and Disability Rider 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
• BSLI Critical Illness Rider
property in India, any rebate of the whole or part of the commission payable or any rebate of the
• BSLI Surgical Care Rider
premium shown on the policy, nor shall any person taking out or renewing or continuing a policy
• BSLI Hospital Care Rider accept any rebate, except such rebate as may be allowed in accordance with the published
• BSLI Waiver of Premium Rider prospectuses or tables of the insurer. Any person making default in complying with the
For further details please refer to detailed brochure on riders or consult your financial provisions of this section shall be punishable with a fine which may extend to five hundred rupees.
advisor or refer to our website.
Current Tax Benefits
As per extant tax laws, this plan offers tax benefits under Section 80C and Section 10 (10D) of
the Income Tax Act, 1961.
14 15

16. Section 45 of the Insurance Act, 1938
No policy of life insurance effected after the coming into force of this Act shall, after the expiry of
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
policyholder and that the policyholder 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.
BIRLA SUN LIFE INSURANCE –
A COMING TOGETHER OF VALUES
About Birla Sun Life Insurance
Birla Sun Life Insurance Company Limited (BSLI) is a joint venture between the Aditya Birla
Group, a well known Indian conglomerate and Sun Life Financial Inc, one of the leading
international financial services organizations from Canada. With an experience of over a
decade, BSLI has contributed to the growth and development of the Indian life insurance
industry and currently is one of the leading life insurance companies in the country. Enjoying
trust of over 2.4 Million customers, BSLI is known for innovations. BSLI offers a complete
range of offerings comprising of protection solutions, children's future solutions, wealth
with protection, health and wellness as well as retirement solutions and has an extensive
distribution reach over 500 cities through its network of over 600 branches, over 140058
empanelled advisors and over 240 partnerships with Corporate Agents and Banks. The AUM
of Birla Sun Life Insurance is close to Rs19146 crs and it has a robust capital base of over
Rs. 2450 crs as on August 31, 2011. For more information, please visit www.birlasunlife.com
About Aditya Birla Financial Services Group
Aditya Birla Financial Services Group (ABFSG) has built a significant presence across
its verticals, viz life insurance, asset management, NBFC, private equity, broking, wealth
management & distribution and general insurance advisory services.
The seven companies representing Aditya Birla Financial Services Group are Birla Sun Life
Insurance Company Ltd., Birla Sun Life Asset Management Company Ltd., Aditya Birla
Finance Ltd., Aditya Birla Capital Advisors Pvt. Ltd., Aditya Birla Money Ltd., Aditya Birla
16 17

17. Section 45 of the Insurance Act, 1938
No policy of life insurance effected after the coming into force of this Act shall, after the expiry of
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
policyholder and that the policyholder 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.
BIRLA SUN LIFE INSURANCE –
A COMING TOGETHER OF VALUES
About Birla Sun Life Insurance
Birla Sun Life Insurance Company Limited (BSLI) is a joint venture between the Aditya Birla
Group, a well known Indian conglomerate and Sun Life Financial Inc, one of the leading
international financial services organizations from Canada. With an experience of over a
decade, BSLI has contributed to the growth and development of the Indian life insurance
industry and currently is one of the leading life insurance companies in the country. Enjoying
trust of over 2.4 Million customers, BSLI is known for innovations. BSLI offers a complete
range of offerings comprising of protection solutions, children's future solutions, wealth
with protection, health and wellness as well as retirement solutions and has an extensive
distribution reach over 500 cities through its network of over 600 branches, over 140058
empanelled advisors and over 240 partnerships with Corporate Agents and Banks. The AUM
of Birla Sun Life Insurance is close to Rs19146 crs and it has a robust capital base of over
Rs. 2450 crs as on August 31, 2011. For more information, please visit www.birlasunlife.com
About Aditya Birla Financial Services Group
Aditya Birla Financial Services Group (ABFSG) has built a significant presence across
its verticals, viz life insurance, asset management, NBFC, private equity, broking, wealth
management & distribution and general insurance advisory services.
The seven companies representing Aditya Birla Financial Services Group are Birla Sun Life
Insurance Company Ltd., Birla Sun Life Asset Management Company Ltd., Aditya Birla
Finance Ltd., Aditya Birla Capital Advisors Pvt. Ltd., Aditya Birla Money Ltd., Aditya Birla
16 17

18. Money Mart Ltd. and Aditya Birla Insurance Brokers Ltd. ABFSG is committed to being a leader About Sun Life Financial
and role model in a broad based and integrated financial services business. Its 7 lines of
Sun Life Financial is a leading international financial services organization providing a diverse
businesses, with about 5.5 million customers manages assets worth Rs. 92,259 Crores (USD
range of protection and wealth accumulation products and services to individuals and
20.5 billion) and prides itself for having a talent pool of about 15,000 committed employees.
corporate customers. Chartered in 1865, Sun Life Financial and its partners today have
ABFSG has its wings spread across more than 500 cities in India through over 1,700 points of
operations in key markets worldwide, including Canada, the United States, the United
presence and about 200,000 channel partners. This allows ABFSG to offer its customers
Kingdom, Ireland, Hong Kong, the Philippines, Japan, Indonesia, India, China and Bermuda.
virtually anything under financial services except a savings or current account. With over Rs.
As of June 30, 2011, the Sun Life Financial group of companies had total assets under
6,296 Crores (FY2010-11) in revenues, ABFSG is a significant non-bank player.
management of $474 billion. For more information please visit www.sunlife.com
ABFSG is a part of Aditya Birla Nuvo Ltd. (ABNL), a USD 4 billion conglomerate having
Sun Life Financial Inc. trades on the Toronto (TSX), New York (NYSE) and Philippine (PSE)
leadership position across its manufacturing as well as services sector businesses. ABNL is a
stock exchanges under the ticker symbol SLF.
part of the Aditya Birla Group, a USD 35 billion Indian business house operating in 33 countries
across the globe.
RISK FACTORS AND DISCLAIMERS
This policy is underwritten by Birla Sun Life Insurance Company Limited (BSLI). This is a
non-participating unit linked life insurance plan. Birla Sun Life Insurance – BSLI Classic
Endowment Plan are only the names of the Company and Policy respectively and do not in any
way indicate their quality, future prospects or returns. The names of the funds offered in this
plan do not in any way indicate their quality, future prospects or returns. The charges are
guaranteed throughout the term of the policy unless specifically mentioned and subject to
IRDA approval. The value of the investment fund reflects the value of the underlying
investments. These investments are subject to market risks and change in fundamentals such
as tax rates etc affecting the investment portfolio. The premium paid in unit linked life insurance
policies are subject to investment risk associated with capital markets and the unit price of the
units may go up or down based on the performance of investment fund and factors influencing
the capital market and the policyholder is responsible for his/her decisions. There is no
guarantee or assurance of returns above the guaranteed returns from the investment funds.
BSLI reserves the right to recover levies such as the service tax levied by the authorities on
insurance transactions. If there be 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 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.
18 19

19. Money Mart Ltd. and Aditya Birla Insurance Brokers Ltd. ABFSG is committed to being a leader About Sun Life Financial
and role model in a broad based and integrated financial services business. Its 7 lines of
Sun Life Financial is a leading international financial services organization providing a diverse
businesses, with about 5.5 million customers manages assets worth Rs. 92,259 Crores (USD
range of protection and wealth accumulation products and services to individuals and
20.5 billion) and prides itself for having a talent pool of about 15,000 committed employees.
corporate customers. Chartered in 1865, Sun Life Financial and its partners today have
ABFSG has its wings spread across more than 500 cities in India through over 1,700 points of
operations in key markets worldwide, including Canada, the United States, the United
presence and about 200,000 channel partners. This allows ABFSG to offer its customers
Kingdom, Ireland, Hong Kong, the Philippines, Japan, Indonesia, India, China and Bermuda.
virtually anything under financial services except a savings or current account. With over Rs.
As of June 30, 2011, the Sun Life Financial group of companies had total assets under
6,296 Crores (FY2010-11) in revenues, ABFSG is a significant non-bank player.
management of $474 billion. For more information please visit www.sunlife.com
ABFSG is a part of Aditya Birla Nuvo Ltd. (ABNL), a USD 4 billion conglomerate having
Sun Life Financial Inc. trades on the Toronto (TSX), New York (NYSE) and Philippine (PSE)
leadership position across its manufacturing as well as services sector businesses. ABNL is a
stock exchanges under the ticker symbol SLF.
part of the Aditya Birla Group, a USD 35 billion Indian business house operating in 33 countries
across the globe.
RISK FACTORS AND DISCLAIMERS
This policy is underwritten by Birla Sun Life Insurance Company Limited (BSLI). This is a
non-participating unit linked life insurance plan. Birla Sun Life Insurance – BSLI Classic
Endowment Plan are only the names of the Company and Policy respectively and do not in any
way indicate their quality, future prospects or returns. The names of the funds offered in this
plan do not in any way indicate their quality, future prospects or returns. The charges are
guaranteed throughout the term of the policy unless specifically mentioned and subject to
IRDA approval. The value of the investment fund reflects the value of the underlying
investments. These investments are subject to market risks and change in fundamentals such
as tax rates etc affecting the investment portfolio. The premium paid in unit linked life insurance
policies are subject to investment risk associated with capital markets and the unit price of the
units may go up or down based on the performance of investment fund and factors influencing
the capital market and the policyholder is responsible for his/her decisions. There is no
guarantee or assurance of returns above the guaranteed returns from the investment funds.
BSLI reserves the right to recover levies such as the service tax levied by the authorities on
insurance transactions. If there be 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 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.
18 19

20. Plan your family's future with
complete control on your investment
Birla Sun Life Insurance
Call: 1-800-270-7000 www.birlasunlife.com sms CLASSIC to 56161
Classic Endowment Plan
Advantage of financial protection with investment flexibility
Regd. Office: One Indiabulls Centre, Tower 1, 15th & 16th Floor, Jupiter Mill Compound, 841,
Senapati Bapat Marg, Elphinstone Road, Mumbai 400013. Reg. No. 109 Unique No.: 109L061V01
ADV/12/10-11/4371 VER 3/Sept/ 2011
20 1