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A plan that boosts your investment with regular returns every year and protects your child’s future by continuing the policy even in the unfortunate event of your demise
Maturity Benefit - On maturity after 20 years, you will receive
 
• All Monthly Base Premiums paid; plus
• All Bachat Additions earned; plus
• The Loyalty Addition; less
 
Death Benefit - In the unfortunate event of death of the life insured, the nominee shall receive
 
• Sum Assured will be paid to the nominee immediately;
• Future premiums will be waived and the policy continues until maturity. On maturity, your child will be entitled to maturity benefits. This ensures that even in your absence your child's future is assured;
• All Bachat Additions and Loyalty Addition will continue as if all MBPs are paid when due.  
 
Surrender Benefit -Once 36 MBPs have been paid, you may surrender your policy and receive
 
• All Monthly Base Premiums paid from the 2nd year onwards x the surrender factor below; plus
• After the 10th policy year, all Bachat Additions earned; plus
• After the 15th policy year, the Loyalty Addition earned
 
The surrender factor is 100% after completing 10 policy years, otherwise it is
 
Policy Year of Surrender
3
4
5
6
7
8
9
10+
Surrender Factor
30%
40%
50%
60%
70%
80%
90%
100%
 
 
For Bachat Child Plan, the Bachat Addition Rate is used to determine the Bachat Addition a client will earn during the upcoming year.
 
Band
I
II
III
For policies with MBP (in Rs.)
400 to 599
600 to 899
900 +
Bachat Addition Rate
(as of April 1,2013)
5.50%
5.75%
6.00%
 
 
 
Accidental Death Benefit - Optional Rider for Entry Ages 18 to 50
 
For an extra 1.2% of MBP additional Sum Assured is paid in case of accidental death.
 
• Extra 180 x MBP payable in case death is accidental for entry ages 18 to 40.
• Extra 120 x MBP payable in case death is accidental for entry ages 41 to 50.
 
 
 
 
Disclaimer
Insurance is the subject matter of the solicitation. This is a non-participating traditional insurance savings plan. All terms & conditions are guaranteed throughout the policy term except for the Bachat Addition Rate which will vary from year to year and be declared by BSLI on April 1st of every calendar year. For more details on risk factors , terms & conditions , please read sales brochure carefully before concluding the sale’. Tax benefits are subject to changes in tax laws. Regd. Office: One Indiabulls Centre, Tower 1, 16th floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai - 400 013. Reg No. 109 Unique No.: 109N58V01 TRA / 7 / 10-11 / 4065 Version No.: VER 1/July/2010
Unique No.: 109N058V01