Version 1

Aditya Birla Sun Life Insurance UID : 211K8071K177K2

Vision LifeIncome Plan Sep 18, 2019 13:08:27

LIFE INSURANCE
Aditya Birla Sun Life Insurance Company Limited

Dear Mr Kunjal UIN - 109N079V04

You have always wanted a plan that enables you to meet your financial goals and provide steady income
along with financial security over your entire lifetime.

Introducing ABSLI Vision LifeIncome Plan, a traditional participating whole life plan. With survival
benefits payable every year from the end of the premium paying term till maturity and life insurance benefit,
this plan offers a perfect blend of income and financial protection of your family. It gives a steady
guaranteed annual income every year for your entire life from the end of the premium payment term selected
by you. What's more, you only pay premiums for a limited number of years while you enjoy your life cover
and guaranteed income up to the age of 100 years along with the bonuses declared.

Key features:

• You are assured of Income for life i.e. 5% of the Sum Assured guaranteed plus bonus every year
after the Premium Paying Term
• You get comprehensive financial protection of your family with whole life cover to age 100.
• At the end of PPT you get all the accrued bonuses till date
• In case of death during PPT, you get Sum Assured along with accrued bonuses till date and
Terminal Bonus (if any)
• In case of death after PPT, you get Sum Assured along with bonus from current year and Terminal
Bonus (if any)
• You get Sum Assured and Terminal Bonus(if any) at the time of maturity
• You are eligible for premium discounts in the form of Sum Assured rebates (higher life cover) and
Modal / ECS rebate
• In case of emergencies, the policy can be surrendered after the completion of three policy years to
receive the Surrender Value at that time. The Guaranteed Surrender Value is a percentage of
premiums paid (excluding any premiums paid towards rider benefit/s, underwriting extras and
GST) plus the surrender value of accrued regular bonuses less survival benefit already paid. The
Guaranteed Surrender Value will vary depending on the premium paying term and the year the
policy is surrendered.
A Special Surrender Value will also be calculated by ABSLI at the time of surrender. The
Surrender Value payable is the higher of the Guaranteed Surrender Value or the Special Surrender
Value
• In case you have paid premiums for at least three full years, then your policy will be continued on
a Reduced Paid-Up basis
• Flexibility to enhance your protection under the plan with additional riders
• Enjoy tax benefits under section 80C, 80D and section 10(10D) of the Income Tax act, 1961

Insurance is the subject matter of the solicitation. We request you to also read product brochure/ policy
document for more details.
 Aditya Birla Sun Life Insurance Version 1

Vision LifeIncome Plan UID : 211K8071K177K2

Sep 18, 2019 13:08:27

Your Sales Illustration
LIFE INSURANCE
Aditya Birla Sun Life Insurance Company Limited

This shall form a part of the policy contract

Proposer Mr. Mr Kunjal Age : 44 years Gender : Male

Life Insured Mr. Mr Kunjal Age : 44 years Gender : Male

Policy Detail UIN : 109N079V04

Premium Paying Term : 8 years Sum Assured : Rs. 600,000
Policy Term : 56 years
Pay Frequency : Annual
ECS Option : No

Premium Payable (in Rs.) Rider Sum Assured Premium Term

Modal Premium 108,795.69 ADB Plus Rs. 0 0 --
Premium Rebate 3,263.87 AD&D Rs. 0 0 --
GST 4,748.93 Critical Illness Rs. 0 0 --
Installment Premium Payable 110,280.75 Surgical Care Rs. 0 0 --
Hospital Care Rs. 0 0 --
WOP Rs. 102,403 3225.69 8 years

Premium Paid Guaranteed Death Benefit Total Survival Benefit

Policy Attn
Year Age Survival
During Year Cumulative Death Benefit at 4% p.a at 8% p.a at 4% p.a at 8% p.a
Benefit
1 44 107,011 107,011 1,055,700 0 1,056,600 1,081,500 0 0
2 45 104,707 211,718 1,055,700 0 1,057,500 1,107,300 0 0
3 46 104,707 316,425 1,055,700 0 1,058,400 1,133,100 0 0
4 47 104,707 421,132 1,055,700 0 1,059,300 1,158,900 0 0
5 48 104,707 525,839 1,055,700 0 1,060,200 1,184,700 0 0
6 49 104,707 630,546 1,055,700 0 1,061,100 1,210,500 0 0
7 50 104,707 735,253 1,055,700 0 1,062,000 1,236,300 0 0
8 51 104,707 839,960 1,055,700 0 1,062,900 1,262,100 7,200 206,400
9 to 55 - 0 839,960 1,055,700 30,000 1,056,600 1,081,500 30,900 55,800
56 99 0 839,960 1,055,700 890,185 1,056,600 1,081,500 891,085 915,985
Total Base: 839,960 2,300,185 2,350,585 3,744,985

The Sum Assured multiple for this policy is 5.86 times the Base Premium
If opted for any rider, the rider benefit is payable while the policy is not reduced paid-up.
In "Your Sales Illustration" benefits are as of year end and assume:
Premiums are paid when due, there is no underwriting extra and current GST rates remain unchanged.
Premium is inclusive of GST and any other applicable taxes. All applicable taxes will be additionally included to your premium and levied as per extant tax laws.
Some benefits are guaranteed and some benefits are variable with bonuses based on the future performance of the participating business and economic conditions. If
your policy offers guaranteed returns then these will be clearly marked “guaranteed” in the illustration table on this page. If your policy offers variable returns then
the illustrations on this page will show two different rates of assumed future investment returns. These assumed rates of return are not guaranteed and they are not the
upper or lower limits of what you might get back as the value of your policy is dependent on a number of factors including future investment performance. In the
illustration above, the Sum Assured and Guaranteed Survival Benefit are fully guaranteed. The Total Death Benefit & Total Maturity Benefit in the illustration above
are not guaranteed and determined using assumed future investment returns of 4% and 8% as set by the Life Insurance Council.

Prepared for: Mr. Mr Kunjal ABSLI Vision LifeIncome Plan Page 1

 Aditya Birla Sun Life Insurance Version 1

Vision LifeIncome Plan UID : 211K8071K177K2

Sep 18, 2019 13:08:27

Your Sales Illustration
LIFE INSURANCE
Aditya Birla Sun Life Insurance Company Limited

DECLARATION OF THE PROPOSER DECLARATION OF THE ADVISOR

I have read the product brochure and understand the values indicated in the I certify that this illustration has been fully explained to the Proposer and have
illustration. made no statements that are inconsistent with this illustration or the product
brochure.

Date : --------------------- Code of the Agent/ Specified Person/

Unit Manager/ Corporate Agent/ Broker -------------------------

Signature or Thumb impression of the PROPOSER Name of Agent/ Specified Person/ Unit Manager

Name & Signature of Witness(in case of Thumb Impression) Signature of Agent/ Specified Person/ Unit Manager

Insurance is the subject matter of the solicitation. For further details please refer to the product brochure.

Aditya Birla Sun Life Insurance Company Limited Reg. No. 109

Prepared for: Mr. Mr Kunjal ABSLI Vision LifeIncome Plan Page 2

 Aditya Birla Sun Life Insurance Version 1

Vision LifeIncome Plan UID : 211K8071K177K2

Sep 18, 2019 13:08:27

Your Sales Illustration - Current Rate
LIFE INSURANCE
Aditya Birla Sun Life Insurance Company Limited

Proposer Mr. Mr Kunjal Age : 44 years Gender : Male

Life Insured Mr. Mr Kunjal Age : 44 years Gender : Male

Policy Detail UIN : 109N079V04

Premium Paying Term : 8 years Sum Assured : Rs. 600,000
Policy Term : 56 years
Pay Frequency : Annual
ECS Option : No

Premium Payable (in Rs.) Rider Sum Assured Premium Term

Modal Premium 108,795.69 ADB Plus Rs. 0 0 --
Premium Rebate 3,263.87 AD&D Rs. 0 0 --
GST 4,748.93 Critical Illness Rs. 0 0 --
Installment Premium Payable 110,280.75 Surgical Care Rs. 0 0 --
Hospital Care Rs. 0 0 --
WOP Rs. 102,403 3225.69 8 years

Premium Paid Guaranteed Variable Bonus Total Benefit Surrender

Policy Attn
Year Age Survival Survival
During Year Cumulative Death Benefit for the year Cumulative Death Benefit Value
Benefit Benefit
1 44 107,011 107,011 1,055,700 0 25,800 25,800 1,081,500 0 0
2 45 104,707 211,718 1,055,700 0 25,800 51,600 1,107,300 0 110,094
3 46 104,707 316,425 1,055,700 0 25,800 77,400 1,133,100 0 179,136
4 47 104,707 421,132 1,055,700 0 25,800 103,200 1,158,900 0 261,240
5 48 104,707 525,839 1,055,700 0 25,800 129,000 1,184,700 0 359,205
6 49 104,707 630,546 1,055,700 0 25,800 154,800 1,210,500 0 470,232
7 50 104,707 735,253 1,055,700 0 25,800 180,600 1,236,300 0 600,852
8 51 104,707 839,960 1,055,700 0 25,800 206,400 1,262,100 206,400 655,379
9 to 55 - 0 839,960 1,055,700 30,000 25,800 25,800 1,081,500 55,800 655,379
56 99 0 839,960 1,055,700 890,185 25,800 25,800 1,081,500 915,985 0
Total CR: 839,960 2,300,185 3,744,985

The Sum Assured multiple for this policy is 5.86 times the Base Premium
Surrender Benefit is higher of
• Guaranteed Surrender Value
• Special Surrender Value
If opted for any rider, the rider benefit is payable while the policy is not reduced paid-up.
In "Your Sales Illustration" benefits are as of year end and assume:
Premiums are paid when due, there is no underwriting extra and current GST rates remain unchanged.
Premium is inclusive of GST and any other applicable taxes. All applicable taxes will be additionally included to your premium and levied as per extant tax laws.
Some benefits are guaranteed and some benefits are variable with bonuses based on the future performance of the participating business and economic conditions.In
the illustration above, the Sum Assured and Guaranteed Survival Benefit are fully guaranteed. The Total Death Benefit & Total Maturity Benefit in the illustration
above are not guaranteed and determined using assumed future bonus rate of 43 per 1000 sum assured.

Prepared for: Mr. Mr Kunjal ABSLI Vision LifeIncome Plan Page 3