BSLI Dream Life Plan

• Guaranteed Savings Amount on the date of your choice
• Whole life cover
• Choice of Pay Term
• Enhanced financial security for your loved ones

1. You select the Guaranteed Savings Date that suits your retirement objectives.
2. You select the Basic Premium you want to pay every year.
3. You select the number of years you want to pay your premiums, and select your Pay Term from options of 5-Pay / 10-Pay / 15-Pay / 20-Pay / To Guaranteed Savings Date.
4. You will receive Basic Sum Assured which is the minimum death benefit payable on the demise of the life insured. The Basic Sum Assured is automatically determined as your Basic Premium multiplied by:


• The higher of 10 or the number of years to attain age 70 divided by 2, for entry ages below 45; or
• The higher of 7 or the number of years to attain age 70 divided by 4, for entry ages 45 and above


5. You have the option to choose Enhanced Sum Assured to increase the financial security for your loved ones. This increases your life cover over and above the Basic Sum Assured at a nominal cost.
6. You have the option to choose from our range of riders to further customise the financial security of your loved ones.

1. Death Benefit: In case of the unfortunate demise of the life insured while the policy is in effect, the nominee will receive Basic Sum Assured + Fund Value + Enhanced Sum Assured (if any).
2. Enhanced Sum Assured: Based on your needs, you can increase the life cover over and above the Basic Sum Assured by opting for the Enhanced Sum Assured at inception. You can choose any amount of Enhanced Sum Assured, subject to a minimum of Rs. 50,000 and not exceeding Basic Sum Assured.
3. Whole Life Cover: You enjoy a life cover for your entire life, ensuring financial security for your loved ones.
4. Surrender Benefit: In case of emergency fund requirements, you can surrender your policy after the completion of five policy years, and receive the Fund Value at that time.
5. Guaranteed Savings Fund: Starting on your Guaranteed Savings Date chosen by you, all the reference to the Fund Value in the Death Benefit and Surrender Benefits above will be replaced by 'higher of Fund Value or Guaranteed Savings Fund '.
6. Guaranteed Additions: Your policy enjoys a boost in the form of additional units. For more details on the guaranteed additions, please contact your financial advisors or refer to our brochure.
7. Partial Withdrawals: You can make unlimited partial withdrawals to meet any financial emergencies any time after 5 complete policy years. 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.
8. Policy Loans: You can also avail loans on your policy.