Highlights Guaranteed additions in the form of additional units Choice of tenure-10, 20, 30 years or whole life . Choice of 7 Investment Fund Options For the select few like you, settling for anything short of the best is an unthinkable compromise. We, at Birla Sun Life Insurance, understand you and hence have created a plan that keeps pace with your ever growing success. ClassicLife Premier is a plan that not only helps you save for the future but also lets you reap rich benefits from the investments of your choice especially at a time when your need for family protection reduces significantly. We realize that when you look at a life insurance policy, you look for something that will act as a protector as well as an enhancer. The unit linked, investment-oriented insurance plan is as flexible as life and will help you strike the right proportion between protection and savings during your life yet last you a lifetime. How does the ClassicLife Premier ensure me superior benefits? The plan is a unit linked non participating plan You have the choice of seven Investment Fund Options with the flexibility to allocate the premiums in varying proportions into the different Fund Options or even switch* from one or more Investment Fund(s) to other Investment Fund(s). You can top up your Fund Value whenever you have additional savings. The minimum amount of top ups will be Rs. 10,000 The plan offers you further benefits in the form of additional units, which will be added to the Fund Value at the end of the 10th policy year and at the end of every 5th year thereafter. There is high liquidity in the form of Partial Withdrawals and surrender benefits. Death benefits, which will be higher of the Fund Value or Sum Assured, reduced by the applicable partial withdrawals. What are the options available in the product? Entry Age Minimum Entry Age : 30 days for 20 and 30 term, 8 years for the 10 term and 30 years for Whole Life Duration of the product You have the option of taking the plan for 10 yrs, 20yrs, 30yrs or Whole Life. Minimum Duration:10yrs Maximum Duration: 70yrs (Please note that Whole Life is assumed to be 100 yrs ) Maturity age : 70 yrs for the terms - 10, 20, 30 yrs, :100 yrs for Whole Life Benefit Guaranteed Additions Guaranteed Additions in the form of additional units will be added to the Fund Value on the 10th policy anniversary and on every 5th policy anniversary thereafter while your policy is in effect. The Guaranteed Addition will be 2% of your average Fund Value in the last 60 months. Your average Fund Value in the last 60 months is equal to the sum of your Fund Value on the monthly date, after monthly deductions, in the 60 policy months immediately preceding the Guaranteed Addition calculation, all divided by 60. Partial Withdrawal Option # Partial Withdrawals can be made after three Policy Years or when the Life Insured attains maturity (i.e. on or after attainment of age 18) whichever is later. The minimum Partial Withdrawal amount is Rs.10, 000. The maximum Partial Withdrawal amount in a Policy Year is any amount subject to the Policy having a balance Fund Value of Rs. 25,000 plus Surrender Charges applicable in the year of Partial Withdrawal and one Annual Policy Premium or top up premiums, if any, made in the last three years whichever is higher. Surrender Benefit The plan also offers you the flexibility of surrendering your policy if the need arises. There will be no Surrender Charge on policies surrendered after six completed policy years, which means that the entire Fund Value is payable to you in case you surrender the policy anytime after six policy years till maturity. However, if the Policy is surrendered within three years from inception, then the Surrender Value will be paid to you after the completion of the third Policy anniversary. Death Benefits Below 5 yrs: If the death of the Life Insured takes place before the commencement of the Policy Anniversary, coinciding with or immediately following the date when the Life Insured attains the age of five, only the Fund Value shall be payable to the Policy Owner. This is not applicable for the wholelife option. Between 5 yrs and 60 yrs: Higher of the Fund Value or The Sum Assured less all applicable Partial Withdrawals made in the last 24 months preceding the death of the Life Insured. 60 yrs and above: Higher of the Fund Value or Sum Assured less all applicable Partial Withdrawals made since the Life Insured attained the age of 58 Maturity Benefits On maturity of the policy, the Fund Value is payable. Under the Whole Life option, on maturity of the policy when the Life Insured attains age 100, the Fund Value is payable and the Policy will be terminated. Tax Benefits+ Tax benefit on premium payment is governed by Section 80C of the Income Tax Act, 1961. Tax exemption on the amounts received by you on maturity or by the beneficiary in the unfortunate event of death and the withdrawals are governed by section 10(10D) of the Income tax Act, 1961.

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