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Important: As per Finance Act 2016, from 01st June 2016, due to introduction of Krishi Kalyan Cess @ 0.5%, service tax rates has been revised . Consequently, for unit linked plans, the additional service tax will be deducted in the form of units. For non-linked plans, there will be an increase in the policy premium amount.   Click here  to know more.
The Plan that offers 2 times income benefit of your annual premium (excl. ST & cess) shall be paid at the end of every year in the payment period of 12 years after completion of policy term under option B
Secure Plus Plan

Secure your future with income benefit 2 times of your premium

As a responsible person, you always strive to provide the best for your family whether its security, stability or a better lifestyle. But no matter how well planned you are, economic instability can bring turbulent times and hamper your plans. The risk of income not keeping pace with your needs and aspirations will always remain. In times like these, a guaranteed income proves to be your savior.

BSLI SecurePlus Plan offers you a backup income opportunity that guarantees more than just income, it offers peace of mind. In time of crisis, neither you nor your family will have to sacrifice their needs and aspirations.
 
Key Benefits:
 
  • Flexibility to choose the amount you wish to pay every year
  • Flexibility to choose the Income Benefits
    Option A - Income benefit equal to 100%, 200%, 300%, 400%, 500% & 600% of annual premium (excluding service tax and cess, any applicable rider premiums and underwriting extras, if any) will be paid at the end of every year during the Payment Period for 6 years.
    Option B - Income Benefit equal to 200% of annual premium (excluding service tax and cess, any applicable rider premiums and underwriting extras, if any) will be paid at the end of every year during the Payment Period for 12 years.
  • Inbuilt Accidental Death Benefit
  • Enhance your insurance with appropriate rider options
 
 
Illustration
 
Lets take an example
 
Mr. G Ningappa, aged 35 years is a business owner in Mysore. He lives with his wife Mala and son Karthik. Mr. Ningappa dreams to provide for his family even in times of uncertainty. He wants to invest in such a plan that would

  • Give regular income to provide stability
  • A guarantee that the dreams of his family will be realized even if something happens to him
  • Income that keep pace with the growing needs of his family
 
If he chooses to invest in BSLI SecurePlus Plan (Option B) with policy term of 13 years & premium paying term of 12 years (Annual pay).
Income Benefit = 2X the premiums paid yearly
 
 
 
 
If Mr. Ningappa pays an annual premium of Rs. 1,00,000 (excluding service tax & cess) for 12 years, his Sum Assured will be Rs. 16,00,000. He is eligible to get the following benefits:

  • Income benefit i.e 2X the annual payout against the premium paid every year i.e. Rs. 2,00,000 yearly for 12 years. Total income payout under this option is Rs. 24,00,000.
  • In the unfortunate event of his death anytime during the policy term, his nominee (wife Mala) shall receive a death benefit = Rs. 16,00,000 (Sum Assured on Death). If the death happens in an accident, his wife will receive twice the sum assured = Rs. 32,00,000 (Rs. 16,00,000 + 16,00,000).
  • In the unfortunate event of his death anytime during the Payment Period, his wife will receive remaining Income Benefit i.e. Rs. 2,00,000 every year till the end of Payment Period
  • In case of an emergency during the Payment Period, he can opt for a commuted value of the outstanding Income as lump sum.
 
Quick View
 
Eligibility
5 years - 50 years (age last birthday)
Maximum Maturity Age
63 years (age last birthday)
Policy Term
13 years
Premium Paying Term
12 years
Minimum Premium
Rs. 50,000
Payment Period
  For Income Benefit Option A – 6 years (from the completion of policy term)
  For Income Benefit Option B – 12 years (from the completion of policy term)
Sum Assured*
Sum Assured will be determined based on your entry age and the premium amount you commit to pay in a policy year.
Minimum Sum Assured
Rs. 7,25,000
Premium Mode
Annual
* Please ask your financial advisor for an illustration applicable to your policy or refer to your policy contract for further details.
 
Please click here for Sample Policy Contract
 
Disclaimer
This policy is underwritten by Birla Sun Life Insurance Company Limited (BSLI). This is a non-participating traditional insurance plan. All terms & conditions are guaranteed throughout the policy term. Service Tax and Cess and any other applicable taxes will be added (extra) to your premium and levied as per extant tax laws. For more details on risk factors, terms and conditions, please refer to the sales brochure before concluding the sale. Tax benefits are subject to changes in the tax laws. For more details and clarification call your BSLI Insurance Advisor or visit our website. 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. ADV/5/16-17/9470 VER1/MAY/2016.

IRDAI hereby 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 details of phone call, number.
Unique No.: 109N102V01
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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.

BEWARE OF SUSPICIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS

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.