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Important: W.e.f 1st July 2017, GST will be levied on Life Insurance Premium as per the applicable tax rates. To know the rate that will be applicable to your specific policy please click here

Help Desk

  •   Rights and Duties

    As a policyholder, you have the right to:

    • Have complete knowledge of the policy\plan you are planning to purchase (Terms & Conditions, Benefits, Policy Term, Pay Term, Premium)
    • Exercise the Freelook period
    • Lodge a grievance against the insurer
    • Know the timelines and procedures related to Claims
    • Obtain a copy of the application form along with your Policy Document

    As a policyholder, it is your duty to:

    • Keep your contact information updated with the insurer at all times
    • Ensure timely premium payments to enjoy continued policy benefits
    • Not handover or disclose any information related to your policy to a third party
    • Obtain an acknowledgement for the premium paid or any document provided to the company
    • Inform the insurer if any third party has promised fake bonuses on cancellation of policy
    • Appoint a nominee in the policy
    • Keep your beneficiaries informed about the policy
    • Not sign blank application forms and fill all details yourself

  •   Making the premium payments

    • You can make cash payments of premiums upto Rs.50,000 per policy holder per month
    • Kindly do not prepare any cheque or draft which is payable to any individual
    • All premium cheques should be made payable to "Birla Sun Life Insurance Company Limited" and all cheques to be marked as "A/c Payee"
    • Kindly fill in the cheque carefully as recent RBI guidelines indicate that any corrections /alterations of payee name or amount in payment instruments (cheques) will not be honoured even with a ratifying signature

  •   Making a nomination

    • Appointing a nominee helps your loved ones to get hassle free access to the policy benefits in the hour of need.
    • Appointing a nominee for the policy is possible only where the owner and the insured is the same person.
    • You may nominate more than one person under a policy; however percentage wise nomination is not permitted.
    • You may change/add nominees anytime during the tenure of the policy.
    • A minor can be nominated, however for all such nomination an appointee who is a Major need to be appointed.
    • Click here for the nomination form to be used for fresh/addition/change of nominee. Kindly take care to complete the form in all respects

  •   Know our regulator

    • Insurance Regulatory & Development Authority of India (IRDAI):
      • IRDAI is the regulator for the insurance industry
      • Various regulations, guidelines & circulars for the insurance industry are issued by IRDAI
      • IRDAI also ensures adherence to the Insurance Act, 1938

  •   Completing the Proposal Form

    • Please do not sign blank proposal forms/service request forms
    • Kindly countersign any modifications made in the proposal form
    • Please attach the documents applicable to your annualized premium as they are mandated by regulations:
      • <Rs.10,000 - ID proof
      • >Rs.10,000 but <Rs.1 lac - Id proof, photograph & address proof
      • >=Rs.1 lac - Id proof, photograph, address proof & income proof; PAN card
    • Kindly make sure that while filling the proposal form for any policy, all material disclosures are made. (Especially with respect to your health, earlier policies held by you, etc.) – As per Section 45 of the Insurance Act, 1938, if any claim has been received within 2 years of risk commencement date and if investigations prove that there was material non-disclosures / misstatements made in the proposal form/during issuance of policy, the insurance company has a right to deny the claim.

  •   Standardization And Enhancement Of Security Features Of Cheques

    As per the directives issued by RBI, with effect from January 1, 2014, a separate clearing session will be introduced for clearing of non- CTS 2010 standard cheques. This clearing session will operate thrice a week. Accordingly, there will be a delay in realization of non-CTS 2010 cheques.

    Therefore, to facilitate faster and safer processing of cheques, we request you to surrender your existing non-CTS-2010 standard cheques on or before December 31, 2013 and place a request for issuance of CTS-2010 standard cheques with your bank.

    • The Branch address and IFSC code should be on the top left side of the cheque (instead of the bottom).
    • The word "CTS-2010" must be printed on the left hand side of the cheque near perforation.
    • Date space will be in a box format.
    • Rupee symbol should appear in the space where the amount in figures/numbers is mentioned.
    • CTS 2010 watermark must be present (this can be seen if you hold the cheque against a bright light).

    Sample image of a CTS-compliant cheque leaf:


    Just observe if the 5 things mentioned above are visible on your existing cheque leaf or not. If they are, then your cheque book is CTS-compliant. If not, we would request you to visit your bank and apply for/collect new CTS-2010 standad compliant cheques for efficient banking activity.

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For more details on risk factors, terms and conditions please read sales brochure carefully before concluding the sale.

Trade Logo displayed above belongs to SUN LIFE ASSURANCE COMPANY OF CANADA and ADITYA BIRLA MANAGEMENT CORPORATION PRIVATE LIMITED and used by BIRLA SUN LIFE INSURANCE COMPANY LIMITED as per terms and conditions of license Agreement.

Registered Office: One Indiabulls Centre Tower 1, 16th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai - 400013. CIN: U99999MH2000PLC128110 Registration No. 109.


IRDAI clarifies to the public that,
  • IRDAI or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums.
  • IRDAI does not announce any bonus. Public receiving such phone calls are requested to lodge a police complaint along with the details of the phone call.