Birla Sun Life Protector Plus Plan | Term Insurance

BSLI Protector Plus Plan offers you the perfect protection solution, thanks to a higher Sum Assured as well as rewards for a healthy lifestyle.

Key Features:

Complete financial protection at an affordable cost
Hedge against the rising cost of living with an option of increasing Sum Assured
Enhanced insurance with appropriate rider options
Rewards for a healthy lifestyle
Income Tax benefits as per prevailing norms under the Income Tax Act, 1961

Annual Premiums for BSLI Protector Plus Plan For the BSLI Protector Plus Plan, the sample annual premiums for a male aged 35, with a Sum Assured of Rs. 10,000,000, under Level Sum Assured and Increasing Sum Assured options:

Policy Term	5 years	10 years	20 years	30 years	5 years	10 years	20 years	30 years
Sum Assured Option	Smoker				Non-Smoker
Level	12,850	15,100	21,150	28,100	10,950	12,400	16,900	22,250
Increasing @ 5%	13,800	17,900	30,400	48,300	11,650	14,500	24,050	38,000
Increasing @ 10%	14,800	20,700	39,750	69,000	12,350	16,700	31,250	53,850

Premiums shown above are prior to service tax and education cess as applicable.

BSLI Protector Plus Plan offers automatic premium reduction to women. Below are sample annual premiums for a female aged 35, with a Sum Assured of Rs. 10,000,000, under Level Sum Assured and Increasing Sum Assured options:

Policy Term	5 years	10 years	20 years	30 years	5 years	10 years	20 years	30 years
Sum Assured Option	Smoker				Non-Smoker
Level	11,500	12,950	17,100	22,350	9,900	10,900	13,850	17,850
Increasing @ 5%	12,200	15,100	24,150	37,950	10,500	12,450	19,250	29,950
Increasing @ 10%	12,950	17,350	31,300	53,650	11,100	14,100	24,750	42,100

Premiums shown above are prior to service tax and education cess as applicable.

Plan Summary

Entry Age	18 to 65 years of age
Sum Assured Option	I – Level Sum Assured II – Increasing Sum Assured
Policy Term	5 to 30 years, subject to max. age on maturity: 75 years
Premium Paying Term	Regular Pay
Premium Mode	Annual \| Semi-annual \| Quarterly \| Monthly
Sum Assured	Min. Rs. 50,00,000 Max. no limit (subject to underwriting guidelines)

Please ask your financial advisor or visit our website to determine the premium rate applicable for your policy.

Other Benefits:

Death Benefit: In case of the unfortunate demise of the life insured during the policy term, the Sum Assured as per chosen option will be paid to the nominee. The policy shall be terminated once the Death Benefit is paid.

Maturity Benefit: In the event the life insured survives to the end of the policy term, no benefit is payable on maturity and the policy shall be terminated thereafter. This plan offer no policy loan, surrender value or paid-up value.

This plan offer the following Rider options, to enhance your financial security For added protection, BSLI Protector Plan can be enhanced by the following riders for a nominal extra cost:

Critical Illness Rider (UIN: 109C019V01): On diagnosis of any of the four illnesses – Heart Attack, Cancer, Major Organ Transplant and Stroke, you will receive upto 100% of the Rider Sum Assured.

Accidental Death and Disability Rider (UIN: 109C018V01): In the event of death due to an accident, your nominee will receive the chosen Rider Sum Assured upto a maximum of Rs. 50,00,000. In the event of disability due to an accident, you will receive a fixed percentage of the Rider Sum Assured, depending on the type of injury.

Hospital Care Rider (UIN: 109C016V01): In the event that you are hospitalised for treatment, you will receive Daily Cash Benefit to take care of your expenses. In case you are treated in an Intensive Care Unit, you will receive an enhanced Daily Cash Benefit. To help you cover your recuperation expenses, you will be paid a lump sum amount, in case you are hospitalised for more than seven days for the same disease.

Surgical Care Rider (UIN: 109C015V01): In case you are hospitalised to undergo a surgery, you will be paid a lump sum amount to cover your expenses.

Waiver of Premium Rider (UIN: 109C017V01): In case life insured/policyholder is unable to pay the policy premiums due to a disability, critical illness or untimely demise, all future premiums of the base plan and the attached riders will be paid by Birla Sun Life Insurance and all policy benefits will continue..

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Tags: Birla Sun Life Insurance, BSLI, Term Insurance, term plan