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BSLI Dream Endowment Plan
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| Be it a comfortable lifestyle, a bigger house or the best education for your child, as a responsible provider to your family, you would like a plan that gives you the guarantee to fulfil these dreams. Presenting the BSLI Dream Endowment Plan - a plan that gives you a Guaranteed Savings Amount on the date of your choice along with a range of options to provide for your family's future financial protection. |
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| This plan offers you: |
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- Guaranteed Savings Amount on the date of your choice
- Choice of Policy Term and Premium Payment Term
- Enhanced financial security for your loved ones
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| How BSLI Dream Endowment Plan works: |
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- You choose your Policy Term from our options of 10 / 15 / 20 / 25 / 30 years.
- Your Guaranteed Savings Date is the last policy anniversary based on your choice of Policy Term.
- You choose the Basic Premium you want to pay each year.
- You choose Pay Term from options of 5-Pay / 10-Pay / 15-Pay / 20-Pay / Regular Pay.
- You have an option to choose an Enhanced Sum Assured to increase the financial security for your loved ones.
- You have an option to choose from our range of riders to further customise the financial security of your loved ones.
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| Based on your above choices, you will receive a host of benefits as below: |
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- Maturity Benefit: You will receive Fund Value no less than the Guaranteed Savings Amount at maturity of your policy. This amount is automatically determined based on your above choices, entry age and gender. Please contact our financial advisor to know the amount applicable to you.
- Death Benefit: In the unfortunate event of the demise of the life insured during the policy term, the nominee will receive: Basic Sum Assured + Fund Value + Enhanced Sum Assured (if any).
| Entry Age |
Basic Sum Assured |
| Below 45 |
Basic Premium X higher of 10 or the number of years to maturity divided by 2 |
| 45 & Above 45 |
Basic Premium X higher of 7 or the number of years to maturity divided by 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.
- Guaranteed Additions: Your policy enjoys a boost in form of additional units. For more details, please contact your financial advisors or refer to our brochure.
- Partial Withdrawals: You can make unlimited partial withdrawals to meet any financial emergencies.
- Policy Loans: You can meet your financial needs by availing of a loan on your policy.
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| Choose from our Rider options to increase the financial security of your loved ones |
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| Critical Illness Rider: On diagnosis any of the four illnesses - Heart Attack, Cancer, Major Organ Transplant and Stroke, you will receive upto 100% of the Rider Sum Assured. |
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| Accidental Death and Disability Rider: In the event of death due to an accident, your nominee will receive the chosen Rider Sum Assured up to 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. |
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| Hospital Care Rider: 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. |
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| Surgical Care Rider: In case you are hospitalised to undergo a surgery, you will be paid a lump sum amount to cover your expenses. . |
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| Waiver of Premium Rider: In case life insured / policy holder is unable to pay the policy premiums due to a disability, critical illness or an untimely demise, all future premiums of the base plan and the attached riders will be paid by BSLI and all policy benefits will continue. |
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| For more details on any of the riders mentioned above, please consult your BSLI financial advisor or refer to the rider brochure. |
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| Plan Summary |
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| Policy Term |
10, 15, 20, 25 and 30 years |
| Guaranteed Savings Date (GSD) |
Same as policy term |
| Entry Age |
1 year to 65 years, subject to minimum age of 18 on GSD |
| Basic Premium |
Minimum Rs. 12,000 p.a. if paid annually
Minimum Rs. 15,000 p.a. if paid semi-annually
Minimum Rs. 20,000 p.a. if paid quarterly
Minimum Rs. 24,000 p.a. if paid monthly |
| Pay Term |
Short Pay – 5 years
Short Pay – 10 years
Short Pay – 15 years
Short Pay – 20 years
To Guaranteed Savings Date |
For entry age up to 50
For entry age up to 55
For entry age up to 60
For entry age up to 65
For entry age up to 65 |
| Premium Payment Option |
Monthly, Quarterly, Semi-annually or Annually |
| 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 GSD |
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| Insurance Dictionary |
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- Premium: The periodic payments made to acquire the insurance and maturity benefits
- Policy Term: Total benefit tenure of the policy
- Policy Surrender: Voluntary closure of policy before completion of policy term
- Maturity Benefit: The final amount which the customer receives at the end of policy term
- Rider: Additional protection for an extra premium on the base policy
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| Disclaimers |
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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. Tax benefits are subject to changes in the tax laws. Insurance is the subject matter of solicitation. Birla Sun Life Insurance – BSLI Dream Endowment Plan – Enhancer – are only the names of the Company, Policy and Investment Fund respectively and do not in any way indicate the quality of the policy, investment fund or their future prospects or returns. Investment risk in investment portfolio is the borne by the policyholder. For further details please refer to product brochure. 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.: 109L060V01 ADV/8/10-11/4134 Version No.: VER 1/ AUG/ 2010
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| UIN No. - 109L060V01 |
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| Access your account details by Login as |
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Policy Owner /
Group Owner /
Group Member
Insurance Advisor /
Channel Partner /
Corporate Agent /
Business Mentor /
Broker /
TDP Relationship Manager
Agency Manager /
Business Dev Manager /
Business Partner
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