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Rainbow

Birla Sun Life Insurance

A single premium life insurance plan with assured returns

Get multiple benefits from a one-time investment

BSLI Rainbow is a traditional non-participating savings plan. This plan ensures security of your

capital and provides steady growth of your savings through regular monthly additions.

Plus a loyalty benefit at the end of the policy term to boost up your accrued savings.

A simple, hassle free plan that provides assured returns along with life cover thus ensuring

your peace of mind.

You choose the Single Premium you wish to pay

You choose a policy term of 5 or 10 years depending on your convenience

You enjoy a life cover of 5 x Single Premium amount

SALIENT BENEFITS

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GuaranteedSavings

LifeCover

Regular Monthly

Additions

LoyaltyBenefit

Tax benefits u/sec 80C and

10 (10D)

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You get Maturity Sum Assured at maturity - plus

- Guaranteed Monthly Additions; plus

- Guaranteed Final Addition

You enjoy tax benefits under section 80C and section 10 (10D) of the Income Tax Act, 1961

Entry Age 8 - 60 years, subject to minimum attained age of 18 at maturity

Policy Term 5 or 10 years

Pay Term Single pay

Single Premium Minimum Rs. 50,000

Basic Sum Assured 5 times Single Premium

You choose (a) the Single Premium amount, and (b) the Policy Term. Basic Sum Assured is

5 x Single Premium

Based on your chosen premium, policy term, entry age and the gender of the life insured, we

will determine the Maturity Sum Assured applicable to your policy.

Specimen Maturity Sum Assured per Rs. 100 of Single Premium is as under:

Policy Term 5 years Policy Term 10 yearsEntry Age

Male Female Male Female

20 92.98 92.93 92.98 92.93

30 92.75 92.89 92.63 92.89

40 91.76 92.18 89.98 91.14

50 88.69 89.94 81.75 85.00

60 82.43 84.83 61.24 69.83

Please consult your advisor for the Maturity Sum Assured applicable to your policy.

At the end of every month you will earn Guaranteed Monthly Addition. Your Guaranteed

Monthly Addition is calculated as:

Plan at a glance

Basic Sum Assured

Maturity Sum Assured

Guaranteed Monthly Additions

EARN GUARANTEED MONTHLY ADDITIONS AND A GUARANTEED FINAL ADDITION

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Guaranteed Monthly Addition Rate x Maturity Sum Assured

1000

We reward you for your loyalty with a Guaranteed Final Addition on maturity.

Policy Term Guaranteed Final Addition

5 years shall equal 6 x one Guaranteed Monthly Additions

10 years 12 Guaranteed Monthly Additions

From time to time, we will declare new Guaranteed Monthly Addition Rates based on then

prevailing economic conditions. The latest Guaranteed Monthly Addition Rate declared by us

shall be assigned to your policy when issued and shall be guaranteed throughout the whole

policy term.

As of November 15, 2010, the Guaranteed Monthly Addition Rates applicable to new

policies are:

Single Premium 50,000 100,000 250,000 500,000(in Rupees) to 99,999 to 249,999 to 499,999 and above

Policy Term of 5 Years 5.35 5.90 6.15 6.25

Policy Term of 10 Years 6.85 7.40 7.65 7.75

shall equal x one

Guaranteed Final Addition

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- On maturity, you will receive

Maturity Sum Assured; plus

All Guaranteed Monthly Additions earned to date; plus

Guaranteed Final Addition

- In the unfortunate event of death of the life insured, the nominee shall

receive the Basic Sum Assured.

- you may surrender your policy anytime after 1st policy year and receive

90% of the Maturity Sum Assured; plus

Guaranteed Monthly Additions earned to date

Entry Age : 30 years Maturity Sum Assured : Rs. 92,630

Policy Term : 10 years Guaranteed Monthly Addition : Rs. 685 p.m.

Single Premium : Rs. 1,00,000 Guaranteed Final Addition : Rs. 8,226

Basic Sum Assured : Rs. 5,00,000 Maturity Benefit : Rs. 1,83,111

The above are illustrative values for a healthy male, assuming Guaranteed Monthly Addition

Rate of Rs. 7.40 per 1000 Maturity Sum Assured

- You will be eligible for tax benefits under Section 80C and Section 10 (10D)

of the Income Tax Act, 1961. Currently,

Under Section 80C, premiums up to Rs. 1,00,000 are allowed as a deduction from your

taxable income

Under Section 10 (10D), the benefits you receive from this plan are exempt from tax,

subject to mentioned exclusions

- Starting from the 2nd policy year you can get a loan on your policy. The

minimum loan amount is Rs. 5,000 and the maximum loan amount is 90% of the Surrender

Benefit. The interest we charge on such loans will be fixed by us from time to time based on

then prevailing market conditions. Any proceeds payable upon policy termination due to

death, surrender or maturity shall be reduced by any outstanding policy loan at that time.

Should the outstanding policy loan equal or exceed the Surrender Benefit at any time prior

to maturity, then the policy shall be terminated without value.

KEY BENEFITS

OTHER BENEFITS

1. Maturity Benefit

2. Death Benefit

3. Surrender Benefit

ILLUSTRATION OF BENEFITS

1. Tax Benefits

2. Policy Loans

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3. Free-look Period

Refund of Premium upon Death

Prohibition of Rebates - Section 41 of the Insurance Act, 1938

Non-Disclosure - Section 45 of the Insurance Act, 1938

- You will have the right to return your policy to us within 15 days from the

date of receipt of the policy. We will refund the single premium paid once we receive your

written notice of cancellation (along with reasons thereof) together with the original policy

documents. Depending on our then current administration rules, we may reduce the amount

of the refund by expenditures incurred by us in issuing your policy and as permitted by the

IRDA and in accordance to IRDA (Protection of Policyholders Interest) Regulations, 2002.

We will refund only the Single Premium in the event the life insured dies by suicide, whether

medically sane or insane, within one year after the issue.

No person shall allow or offer to allow, either directly or indirectly, as an inducement to any

person to take or renew or continue an insurance in respect of any kind of risk relating to lives

or property in India, any rebate of the whole or part of the commission payable or any rebate of

the premium shown on the policy, nor shall any person taking out or renewing or continuing

a policy accept any rebate, except such rebate as may be allowed in accordance with the

published prospectuses or tables of the insurer.

Any person making default in complying with the provisions of this section shall be punishable

with a fine which may extend to five hundred rupees.

No policy of life insurance effected after the coming into force of this act shall, after the expiry

of two years from the date on which it was effected be called in question by an insurer on

the ground that statement made in the proposal or in any report of a medical officer, or referee,

or friend of the life insured, or in any other document leading to the issue of the policy, was

inaccurate or false, unless the insurer shows that such statement was on a material matter or

suppressed facts which it was material to disclose and that it was fraudulently made by the

policyholder and that the policyholder knew at the time of making it that the statement was

false or that it suppressed facts which it was material to disclose.

Provided that nothing in this section shall prevent the insurer from calling for proof of age at any

time if he is entitled to do so, and no policy shall be deemed to be called in question merely

because the terms of the policy are adjusted on subsequent proof that the age of the life

insured was incorrectly stated in the application.

TERMS and CONDITIONS

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Birla Sun Life Insurance Company Limited (BSLI) is a joint venture between the Aditya Birla

Group, a well known Indian conglomerate and Sun Life Financial Inc, one of the leading

international financial services organization from Canada. With an experience of over a

decade, BSLI has contributed significantly to the growth and development of the Indian life

insurance industry and currently is one of the leading life insurance companies in the country.

Enjoying trust of its over 2 Million customers, BSLI is known for innovations. BSLI offers a

complete range of offerings comprising of protection solutions, children's future solutions,

wealth with protection, health and wellness as well as retirement solutions and has an

extensive distribution reach over 500 cities through its network of over 600 branches, close to

1,40,000 empanelled advisors and over 700 partnerships with Corporate Agents and Banks.

This is well supported by the sound financials that the Company has. The AUM of Birla Sun Life

Insurance is close to Rs. 16,000 crs and it has a robust capital base of over Rs. 2450 crs as on

March 31, 2010. For more information, please visit www.birlasunlife.com

The Aditya Birla Financial Services Group (ABFSG) has a significant presence across various

verticals, including life insurance, insurance broking, mutual funds, private equity, security

based lending, factoring, insurance advisory services, retail broking and distribution of third

party products.

The seven companies representing Aditya Birla Financial Services Group are Birla Sun Life

Insurance Company Ltd., Birla Sun Life Asset Management Company Ltd., Aditya Birla Capital

Advisors Ltd., Aditya Birla Money Ltd., Aditya Birla Money Mart Ltd., Aditya Birla Finance Ltd.

and Birla Insurance Advisory & Broking Services Ltd.

The ABFSG is committed to being a leader and role model in a broad based and integrated

financial services business. Its 7 lines of businesses, with over 5.5 million customers manages

assets worth USD 18 billion approximately and prides itself for having a talent pool of over

16,000 committed employees. ABFSG has its wings spread across more than 500 cities in

India through 1600 branches and over 200,000 channel partners. This allows ABFSG to offer

its customers virtually anything other than a savings or current account. With over a billion

dollar revenue, ABFSG is a significant non bank player and one of the few players who have

a top 5 position in both life insurance and mutual funds.

BIRLA SUN LIFE INSURANCE - A COMING TOGETHER OF VALUES

About Birla Sun Life Insurance

About Aditya Birla Group

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ABFSG is a part of Aditya Birla Nuvo Ltd (ABNL), a USD 3 billion conglomerate having

leadership position across its manufacturing as well as services sector businesses. ABNL is a

part of the Aditya Birla Group, a USD 29 billion Indian business house operating in 25 countries

across the globe.

Sun Life Financial is a leading international financial services organization providing a diverse

range of protection and wealth accumulation products and services to individuals and

corporate customers. Chartered in 1865, Sun Life Financial and its partners today have

operations in key markets worldwide, including Canada, the United States, the United

Kingdom, Ireland, Hong Kong, the Philippines, Japan, Indonesia, India, China and Bermuda.

As of March 31, 2010, the Sun Life Financial group of companies had total assets under

management of $435 billion. For more information, please visit www.sunlife.com

Maturity Sum Assured is based on chosen premium, policy term, entry age and gender of

the life insured. Please consult your advisor for further details on Maturity Sum Assured.

Guaranteed Monthly Additions and Guaranteed Final Additions in the policy are based on

Guaranteed Monthly Addition Rate, which is declared by BSLI from time to time, depending on

the then prevailing economic conditions. Latest Guaranteed Monthly Addition Rate will be

assigned to the policy when issued and shall be guaranteed throughout the policy term.

This policy is underwritten by Birla Sun Life Insurance Company Limited (BSLI). This is a single

premium non-participating traditional insurance plan. All terms & conditions are guaranteed

throughout the policy term. BSLI reserves the right to recover levies such as the Service Tax

and Education Cess levied by the authorities on insurance transactions. If there be any

additional levies, they too will be recovered from you. This brochure contains only the salient

features of the plan. For further details please refer to the policy contract. Tax benefits are

subject to changes in the tax laws. Insurance is the subject matter of the solicitation. For more

details and clarification call your BSLI Insurance Advisor or visit our website and see how we

can help in making your dreams come true.

About Sun Life Financial Inc.

DISCLAIMERS

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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.: 109N063V01

ADV/12/10-11/4383 VER 2/DEC/2010

Call Toll-free: 1-800-270-7000 www.birlasunlife.com SMS RAINBOW to 56161