• Payout on the date of your choice
• Whole Life Cover
• Options to enhance your protection

• You choose the Sum Assured which is the amount of life insurance cover up to the age of 100 years.
• You choose a Guaranteed Survival Benefit (GSB) Term based on the number of years after which you would like to receive your payout. This term is also the accumulation phase of your plan, i.e. the number years for which you would have to pay premiums.
• You choose from our range of riders, to enhance the financial security of your family.

• Guaranteed Survival benefit At the end of the GSB Term, you will receive a fixed payout known as the Guaranteed Survival Benefit. Along with the Guaranteed Survival Benefit, you will receive Monthly Additions and Enhancement to monthly additions. Please read further to know more about Monthly Additions.
• Guaranteed Death Benefit In the unfortunate event of the death of the life insured during the policy term, the nominee will receive the Sum Assured as the Death Benefit.
• Guaranteed Maturity Benefit In the event that the life insured survives to the end of the policy term, you will receive the Sum Assured as the Guaranteed Maturity Benefit.
• Monthly Additions At the beginning of each policy year, your policy will be assigned the latest Monthly Addition Rate declared by us, provided all due premiums have been paid in full. Once this Monthly Addition Rate is assigned to your policy, it will be guaranteed for the next 12 months, and used to calculate your Monthly Additions during the upcoming policy year. We will be declaring new Monthly Addition Rates on April 1st of every calendar year. Please ask you financial advisor for the Monthly Addition Rate currently applicable on your policy. The currently declared Monthly Addition Rates are as follows (annual rate per 1000 of Sum Assured):

GSB Term	5 to 10 Years	11 to 15 Years	16 to 20 Years	21+ Years
Currently Declared	39.0	39.0	41.4	45.0




Enhancements to Monthly Additions

If your GSB term is more than 21 years and if Monthly Additions have been accrued for more than 21 policy years, the accrued Monthly Additions payable as a Death Benefit or a Survival Benefit shall be enhanced by the following percentage:




Sum Assured Band	Band 1	Band 2	Band 3	Band 4
Sum Assured (Rs.)	100,000 to 199,999	200,000 to 399,999	400,000 to 799,999	800,000 +
For Each Policy Year Exceeding 21	2.50%	5.00%	6.25%	6.75%




Benefits of Monthly Additions

Monthly Additions enhance your Survival Benefit and Death Benefit. At the end of the GSB term, you receive a Survival benefit, which includes the Guaranteed Survival benefit; plus Monthly Additions accrued till date; plus Enhancements to Monthly Additions, if any. In the unfortunate event of the death of the life insured during the GSB term, the nominee will receive the Death Benefit which includes the Guaranteed Death Benefit; plus Monthly Additions accrued till date; plus Enhancements to Monthly Additions, if any.

• Policy Loans

  You can also avail of loans on your policy once it has acquired a Surrender Value. The minimum loan amount is Rs.5,000 and the maximum is 90% of your policy’s Surrender Value.

BSLI Accidental Death and Disability Rider (UIN: 109C018V01)

BSLI Critical Illness Rider (UIN: 109C019V01)

BSLI Surgical Care Rider (UIN: 109C015V01)

BSLI Hospital Care Rider (UIN: 109C016V01)

BSLI Waiver of Premium Rider (UIN: 109C017V01)

For details on the above riders, please contact your financial advisor.