1. Confidential Copyright Birla Sun Life Insurance Company Limited 2009 11 Birla Sun Life Insurance Vision LifeIncome Plan

2. Copyright Birla Sun Life Insurance Company Limited 2012 2 BSLI Vision LifeIncome Plan – UIN: 109N079V02 PRP:TRA/12/13-14/652 Life is all about the choices we make Riders

3. Copyright Birla Sun Life Insurance Company Limited 2012 3 BSLI Vision LifeIncome Plan – UIN: 109N079V02 PRP:TRA/12/13-14/652 And we all know how difficult it is to make one…. Riders

4. Copyright Birla Sun Life Insurance Company Limited 2012 4 BSLI Vision LifeIncome Plan – UIN: 109N079V02 PRP:TRA/12/13-14/652 As one move through his / her lifestage, choices have to be made that would benefit others Riders

5. Copyright Birla Sun Life Insurance Company Limited 2012 5 BSLI Vision LifeIncome Plan – UIN: 109N079V02 PRP:TRA/12/13-14/652 So if Mr. Khanna is single who wants to go for a vacation Riders

6. Copyright Birla Sun Life Insurance Company Limited 2012 6 BSLI Vision LifeIncome Plan – UIN: 109N079V02 PRP:TRA/12/13-14/652 However if Mr. Khanna is married and wants to surprise his wife Riders

7. Copyright Birla Sun Life Insurance Company Limited 2012 7 BSLI Vision LifeIncome Plan – UIN: 109N079V02 PRP:TRA/12/13-14/652 If Mr. Khanna is married with kids, he might want to take his kid for a wildlife safari Riders

8. Copyright Birla Sun Life Insurance Company Limited 2012 8 BSLI Vision LifeIncome Plan – UIN: 109N079V02 PRP:TRA/12/13-14/652 And if Mr. Khanna would want to gift his parents a vacation Riders

9. Copyright Birla Sun Life Insurance Company Limited 2012 9 BSLI Vision LifeIncome Plan – UIN: 109N079V02 PRP:TRA/12/13-14/652 Insurance Need Child Health Money Back Retirement Savings Term Based on your insurance needs, you get a variety of options to choose from And yes these choices do depend on your lifestage and the beneficiary of the choice… Riders

10. Copyright Birla Sun Life Insurance Company Limited 2012 10 BSLI Vision LifeIncome Plan – UIN: 109N079V02 PRP:TRA/12/13-14/652 Life just got simpler BSLI brings a unique plan that would fit your insurance need …irrespective of your lifestage or the beneficiary Presenting BSLI Vision LifeIncome Plan Riders

11. Copyright Birla Sun Life Insurance Company Limited 2012 11 BSLI Vision LifeIncome Plan – UIN: 109N079V02 PRP:TRA/12/13-14/652 Entry Age:1 to 60 years Policy Term:Whole Life to Age 100 Premium Paying Term:15 to 40 years Min. :Attained Age at end of Premium Paying Term is 18 or more Max. :Attained Age at end of Premium Paying Term is 75 or less Minimum Sum Assured:Rs. 200,000 Minimum Premium:Rs. 18,000 Premium Payment Frequency :Annual, Semi-Annual, Quarterly & Monthly Riders

12. Copyright Birla Sun Life Insurance Company Limited 2012 12 BSLI Vision LifeIncome Plan – UIN: 109N079V02 PRP:TRA/12/13-14/652 Plan Details Choose Sum Assured High Sum Assured Rebate Modal Rebate Pay FrequencyAnnualSemi-AnnualQuarterlyMonthly Rebate3.0%1.5%0.0% Sum Assured BandBand 1Band 2Band 3 Rebate per 1000 SANil2.503.50 Sum Assured BandBand 1Band 2Band 3 Sum Assured (Rs.)200,000 to 399,999400,000 to 799,999800,000 + If chosen payment method is ECS, a premium rebate of 3.0% is offered irrespective of the pay frequency. Riders

13. Copyright Birla Sun Life Insurance Company Limited 2012 13 BSLI Vision LifeIncome Plan – UIN: 109N079V02 PRP:TRA/12/13-14/652 Bonuses  Simple Revisionary Bonus based on bonus rate declared by BSLI  Terminal Bonus  BSLI will declare new bonus rate from time to time Riders

14. Copyright Birla Sun Life Insurance Company Limited 2012 14 BSLI Vision LifeIncome Plan – UIN: 109N079V02 PRP:TRA/12/13-14/652 Death BenefitDeath of the Life Insured during the premium paying term  Sum Assured (1) ; plus  Accrued bonuses as of date of death; plus  Terminal bonus (if any) Death of the Life Insured after the end of the premium paying term  Sum Assured (1) ; plus  Bonus from the current policy year; plus  Terminal bonus (if any) Survival BenefitAt the end of the premium paying term  Accrued bonuses till date Each subsequent policy anniversary after premium paying term  Income Benefit of 5.0% of Sum Assured; plus  Bonus from the current policy year (1) Sum Assured payable on death / maturity shall never be less than 105% of total premiums paid to date (excluding any applicable rider premium and/or underwriting extras) Riders

15. Copyright Birla Sun Life Insurance Company Limited 2012 15 BSLI Vision LifeIncome Plan – UIN: 109N079V02 PRP:TRA/12/13-14/652 Riders Maturity BenefitIn the event the life insured survives to the end of the policy term, BSLI will pay  Sum Assured (1) ; plus  Terminal bonus (if any) Surrender Benefit  Higher of Guaranteed Surrender Value or  Special Surrender Value Guaranteed Surrender Value = Percentage of total premiums paid (excluding service tax & underwriting extras) plus surrender value of accrued regular bonuses less survival benefit already paid.. The Guaranteed Surrender Value will vary depending on the premium paying term and the year the policy is surrendered.

16. Copyright Birla Sun Life Insurance Company Limited 2012 16 BSLI Vision LifeIncome Plan – UIN: 109N079V02 PRP:TRA/12/13-14/652 Accidental Death & Disability (UIN:109B018V02) Rider Sum Assured in the event of accidental death and percentage of Sum Assured in the event of any disability Rs. 75,000 to Rs. 50 lacs Critical Illness (UIN:109B019V02) Rider Sum Assured for illnesses including Heart Attack, Cancer, Stroke or Major Organ Transplant Hospital Care (UIN:109B016V02) Daily Cash Benefit, ICU Benefit and Recuperating Benefit Rs. 1.5 lacs to Rs. 15 lacs Surgical Care (UIN:109B015V02) Major Surgery that directly involves brain, liver, lung or heart (including coronary arteries) and Other Surgery Waiver of Premium (UIN:109B017V02) In the event of TPD/CI/Death, all future premiums of the base plan and attached riders will be waived off Riders

17. Copyright Birla Sun Life Insurance Company Limited 2012 17 BSLI Vision LifeIncome Plan – UIN: 109N079V02 PRP:TRA/12/13-14/652 Policy Loan  Use this policy as a collateral to take loan from BSLI once the policy acquires surrender benefit -Minimum policy loan is Rs. 5,000 -Maximum is 85% of the surrender benefit as on that date less any o/s policy loan balance  Policy will terminate when o/s policy loan balance exceeds surrender benefit when policy is in reduced paid up status  All benefits payable will be first reduced by any o/s policy loan balance Reduced Paid up Benefit  Option once premiums are paid for 3 policy years  Sum Assured or 105% of total premium paid to date (excluding any applicable rider premium and/or underwriting extras), if greater will be reduced in proportion to the years for which premiums are paid to the total premiums payable during the premium paying term.  Any reference to Sum Assured in the Benefits payable will be replaced to Reduced Paid-up  Accrued Bonuses to the date of premium discontinuance will not be reduced.  Any bonus payable in the year of premium discontinuance shall be reduced proportionately to the unpaid premiums in that policy year. No further accrual of Bonuses. Riders

18. Copyright Birla Sun Life Insurance Company Limited 2012 18 BSLI Vision LifeIncome Plan – UIN: 109N079V02 PRP:TRA/12/13-14/652  This is a Traditional Participating Whole Life Plan  Insurance is the subject matter of the solicitation  Tax benefits are subject to changes in tax laws  For more details and risk factors, refer to the product brochure  For Training purpose only Riders

19. Copyright Birla Sun Life Insurance Company Limited 2012 19 BSLI Vision LifeIncome Plan – UIN: 109N079V02 PRP:TRA/12/13-14/652 Thank You