Study of Products offered by Birla Sun Life Insurance

Introduction to the Topic

Life Insurance is one of the fastest growing sector in India since 2000 as Government
allowed Private players and FDI up to 26% and recently Cabinet approved a proposal to
increase it to 49%. Life Insurance in India was nationalised by incorporating Life Insurance
Corporation (LIC) in 1956. All private life insurance companies at that time were taken
over by LIC.

In 1993, the Government of India appointed RN Malhotra Committee to lay down a road
map for privatisation of the life insurance sector.

While the committee submitted its report in 1994, it took another six years before the
enabling legislation was passed in the year 2000, legislation amending the Insurance Act
of 1938 and legislating the Insurance Regulatory and Development Authority Act of 2000.
The same year the newly appointed insurance regulator - Insurance Regulatory and
Development Authority IRDAstarted issuing licenses to private life insurers.

Types of Life Insurance in India

Life insurance products come in a variety of offerings catering to the investment needs and
objectives of different kinds of investors. Following is the list of broad categories of life
insurance products:

Term Insurance Policies

The basic premise of a term insurance policy is to secure the immediate needs of nominees
or beneficiaries in the event of sudden or unfortunate demise of the policy holder. The
policy holder does not get any monetary benefit at the end of the policy term except for the
tax benefits he or she can choose to avail of throughout the tenure of the policy. In the event
of death of the policy holder, the sum assured is paid to his or her beneficiaries. Term
insurance policies are also relatively cheaper to acquire as compared to other insurance
products.

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Money-back Policies
Money back policies are basically an extension of endowment plans wherein the policy
holder receives a fixed amount at specific intervals throughout the duration of the policy.
In the event of the unfortunate death of the policy holder, the full sum assured is paid to the
beneficiaries. The terms again might slightly vary from one insurance company to another.

Whole life policies

A whole life insurance plan covers the insured over his life. The primary feature of this
product is that the validity of the policy is not defined so the policyholder enjoys the life
cover throughout his life.

Unit-linked Investment Policies (ULIP)

Unit linked insurance policies again belong to the insurance-cum-investment category
where one gets to enjoy the benefits of both insurance and investment. While a part of the
monthly premium pay-out goes towards the insurance cover, the remaining money is
invested in various types of funds that invest in debt and equity instruments. ULIP plans
are more or less similar in comparison to mutual funds except for the difference that ULIPs
offer the additional benefit of insurance.

Pension Policies
Pension policies let individuals determine a fixed stream of income post retirement. This
basically is a retirement planning investment scheme where the sum assured or the monthly
pay-out after retirement entirely depends on the capital invested, the investment timeframe,
and the age at which one wishes to retire. There are again several types of pension plans
that cater to different investment needs. Now it is recognized as insurance product and
being regulated by IRDA.

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Introduction to the Company

Established in 2000, Birla Sun Life Insurance

Company Limited (BSLI) is a joint venture
between the

Aditya Birla Group, a well known and trusted name

globally amongst Indian conglomerates and Sun
Life

Financial Inc, leading international financial services organization from Canada. The local
knowledge

of the Aditya Birla Group combined with the domain expertise of Sun Life Financial Inc.,
offers a formidable protection for its customers' future.

With an experience of over 10 years, BSLI has contributed significantly to the growth and
development of the life insurance industry in India and currently ranks amongst the top 7
private life insurance companies in the country.

Known for its innovation and creating industry benchmarks, BSLI has several firsts to its
credit.It was the first Indian Insurance Company to introduce "Free Look Period" and the same
was made mandatory by IRDA for all other life insurance companies. Additionally, BSLI
pioneered the launch of Unit Linked Life Insurance plans amongst the private players in India.
To establish credibility and further transparency, BSLI also enjoys the prestige to be the
originator of practice to disclose portfolio on monthly basis. These category development
initiatives have helped BSLI be closer to its policy holders expectations, which gets further
accentuated by the complete bouquet of insurance products (viz. pure term plan, life stage
products, health plan and retirement plan) that the company offers..

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Vision

To be a leader and role model in a broad based and integrated financial services business.

History

Birla Sun Life Insurance Company Limited was founded in 2000. The company is based in
Mumbai, India. It is a joint venture between Indian Aditya Birla Group and Canadian Sun Life
Financial Inc. In April 2016, Sun Life Financial increased their stake in Birla Sun Life
Insurance to 49%.

The Aditya Birla Group

The Aditya Birla Group is an Indian multinational conglomerate named after Aditya Vikram
Birla, headquartered in the Aditya Birla Centre in Worli, Mumbai, India. It operates in 40
countries with more than 120,000 employees worldwide.The group was founded by Seth Shiv
Narayan Birla in 1857. The group interests in sectors such as viscose staple fibre, metals,
cement (largest in India), viscose filament yarn, branded apparel, carbon black, chemicals,
fertilisers, insulators, financial services, telecom (third largest in India), BPO and IT services.
The group had a revenue of approximately US$41 billion in year 2015.

Aditya Birla Financial Services Group (ABFSG) is the umbrella brand for all the financial
services business of The Aditya Birla Group. They have a strong presence across the life
insurance, asset management, lending (excluding Housing), housing finance, equity and
commodity broking, wealth management and distribution, online money management portal
Aditya Birla Money MyUniverse, general insurance advisory and private equity and health
insurance businesses. ABFSG is committed to serve the end-to-end financial services needs of
its retail and corporate customers. In FY 201314, ABFSG reported consolidated revenue from
these businesses at just under 70 billion (US$1.1 billion) and profits of about 7.5 billion
(US$120 million). Anchored by over 14,000 employees and trusted by over 6 million
customers, ABFSG has a nationwide reach through 1,500 points of presence and about 130,000
agents/channel partners.

Sun Life Financial

Sun Life Financial, Inc. is a Canada-based financial services company known primarily as a
life insurance company. It is one of the largest life insurance companies in the world, and also

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one of the oldest with the history spanning back to 1865. Sun Life Financial has a strong
presence in investment management with over CAD$734 billion in assets under management
operating in a number of countries. Sun Life had about $734 billion of assets under
management as of Dec. 31 2014 including mutual funds and insurance-unit holdings.

Awards and recognition

'Gold Trophy' for Financial Reporting by The Institute of

Chartered Accountants of India (ICAI) in 2012.
Media Abby Awards at Goa Fest Advertising Agencies Association of India &
Advertising Club Bombay (2011)
Grand Midas at the Midas Awards 2013 in Public Service Category for work titles as
'Death Track'.
Gold Midas Awards 2013 in Direct Mail/Collateral competition for work titled as
'Karva Chauth'.

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Industry Profile

Introduction

The insurance industry of India consists of 53 insurance companies of which 24 are in life
insurance business and 29 are non-life insurers. Among the life insurers, Life Insurance
Corporation (LIC) is the sole public sector company. Apart from that, among the non-life
insurers there are six public sector insurers. In addition to these, there is sole national re-insurer,
namely, General Insurance Corporation of India (GIC Re). Other stakeholders in Indian
Insurance market include agents (individual and corporate), brokers, surveyors and third party
administrators servicing health insurance claims.

Out of 29 non-life insurance companies, five private sector insurers are registered to underwrite
policies exclusively in health, personal accident and travel insurance segments. They are Star
Health and Allied Insurance Company Ltd, Apollo Munich Health Insurance Company Ltd,
Max Bupa Health Insurance Company Ltd, Religare Health Insurance Company Ltd and Cigna
TTK Health Insurance Company Ltd. There are two more specialised insurers belonging to
public sector, namely, Export Credit Guarantee Corporation of India for Credit Insurance and
Agriculture Insurance Company Ltd for crop insurance.

Market Size

Government's policy of insuring the uninsured has gradually pushed insurance penetration in
the country and proliferation of insurance schemes are expected to catapult this key ratio
beyond 4 per cent mark by the end of this year, reveals the ASSOCHAM latest paper.

During April 2015 to March 2016 period, the life insurance industry recorded a new premium
income of Rs 1.38 trillion (US$ 20.54 billion), indicating a growth rate of 22.5 per cent. The
general insurance industry recorded a 12 per cent growth in Gross Direct Premium underwritten
in April 2016 at Rs 105.25 billion (US$ 1.55 billion). The life insurance industry reported 9
per cent increase in overall annual premium equivalent in April-November 2016. In the period,
overall annual premium equivalent (APE)- a measure to normalise policy premium into the
equivalent of regular annual premium- including individual and group business for private
players was up 16 per cent to Rs 1,25,563 crore (US$ 18.76 billion) and Life Insurance
Corporation up 4 per cent to Rs 1,50,456 crore (US$ 22.48).

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Indias life insurance sector is the biggest in the world with about 360 million policies which
are expected to increase at a Compound Annual Growth Rate (CAGR) of 12-15 per cent over
the next five years. The insurance industry plans to hike penetration levels to five per cent by
2020.

The countrys insurance market is expected to quadruple in size over the next 10 years from its
current size of US$ 60 billion. During this period, the life insurance market is slated to cross
US$ 160 billion.

The general insurance business in India is currently at Rs 78,000 crore (US$ 11.44 billion)
premium per annum industry and is growing at a healthy rate of 17 per cent.

The Indian insurance market is a huge business opportunity waiting to be harnessed. India
currently accounts for less than 1.5 per cent of the worlds total insurance premiums and about
2 per cent of the worlds life insurance premiums despite being the second most populous
nation. The country is the fifteenth largest insurance market in the world in terms of premium
volume, and has the potential to grow exponentially in the coming years.

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Post liberalisation, the insurance industry in India has recorded significant growth. The Indian
insurance industry is expected to grow to US$ 280 billion by FY2020, owing to the solid
economic growth and higher personal disposable incomes in the country.

There are 24 life insurance and 28 non-life insurance companies in the Indian market who
compete on price and services to attract customers. The industry has been spurred by product
innovation, vibrant distribution channels, coupled with targeted publicity and promotional
campaigns by the insurers.

Government has approved the ordinance to increase Foreign Direct Investment (FDI) limit in
Insurance sector from 26 per cent to 49 per cent which would further help attract investments
in the sector.

The Insurance Regulatory and Development Authority (IRDA) recently allowed life insurance
companies that have completed 10 years of operations to raise capital through Initial Public
Offerings (IPOs). Insurance products are also covered under the Exempt-Exempt-Exempt
(EEE) method of taxation, which translates to an effective tax benefit of approximately 30 per
cent on select investments. In 2015, Government introduced Pradhan Mantri Suraksha Bima
Yojna (PMSBY) and Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJBY) to bring more people
under the insurance cover.

Going forward, increasing life expectancy, favourable savings and greater employment in the
private sector is expected to fuel demand for pension plans. Likewise, strong growth in the
automotive industry over the next decade would be a key driver for the motor insurance market.

During the first half of FY 2016-17 the Life Insurance industry reported a 20 per cent growth
in overall annualised premium equivalent with the help of both private players and Life
Insurance Corporation.

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Birla Sun Life Insurance Products

Here are some of the Main Products of Birla Sun Life Insurance

BSLI Vision MoneyBack Plus Plan.

BSLI Vision LifeIncome Plan.
BSLI Vision Endowment Plan.
BSLI Savings Plan.
BSLI Vision LifeSecure Plan.
BSLI Income Assured Plan.
BSLI Vision Regular Returns Plan.
BSLI Vision Endowment Plus Plan.

BSLI Vision MoneyBack Plus Plan.

Fulfill the dreams and aspirations of your family with the Vision MoneyBack Plus Plan by Birla
Sun Life Insurance. It is a traditional participating plan, which provides you with regular liquidity
to meet your financial requirements along with adequate life cover against any unfortunate event.

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Let's understand this plan with the help of an example

Vikas at age 35 chooses to buy BSLI Vision MoneyBack Plus Plan for a policy term of 20 years
for a Sum assured of Rs. 2,50,000. Based on his life stage, his annual premium per year is set at
Rs. 26,225 which he has to pay for 10 years. Since he chose to receive the guaranteed survival
benefit every 5th year, he will receive Rs. 37, 500 in 5th year. The amount will increase to Rs.
50,000, Rs. 62,500 & Rs. 1,00,000 in 10th, 15th & 20th year respectively. Total Maturity Benefit
he can expect at the end of a 20 year term at 8% interest will be Rs. 2,25,000. & @ 4% Rs. 50,000.

In case of Vikas's untimely demise, his family will receive the guaranteed Death Benefit of Rs.
262,248 plus accrued regular bonus, hence total death benefit paid to the nominee is Rs. 4,87,248
at 8% interest and Rs. 312,248 @ 4% interest rate.

Note: The rates mentioned above are bound to change in the future.These assumed rates of return
shown in the illustration above 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
Please contact the company for final rates applicable to you at the time of purchase.

BSLI Vision LifeIncome Plan.

The BSLI Vision LifeIncome Plan offers: Income for life 5% of the Sum Assured guaranteed
plus bonus every year after the Premium Paying Term Safety for your loved ones Comprehensive
financial protection for your family with whole lifecover till age 100.
Salient features of the plan

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5% of the Sum Assured guaranteed plus bonus every year after premium paying term
Comprehensive financial protection for your family with whole life covers till age 100
Premium rebates on high Sum Assured, Annual and Semi-annual modes of payment and ECS
method of payment
Access to suitable Rider options for added protection, at a nominal extra cost
Tax benefits under Section 80C, 80D and Section 10(10D) of the Income Tax Act, 1961(1)
(1)
Tax benefits are subject to changes in the tax law, please consult your tax advisor for more
details.

BSLI Vision Endowment Plan.

In these uncertain times, there's nothing more assuring than knowing that your money is safe.
Except knowing that you will get more than you expect.

With the BSLI Vision Endowment Plan you can secure your savings and provide your family
with comprehensive financial protection. It offers growth in your savings with accrued bonuses
starting from the first policy year and also secures your loved ones' future. This plan offers you
best of both worlds.

Your investment can now go a long way in building a safe and financially sound future for
your family, today as well as in the years to come.

Let's understand this plan with the help of an example.

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Shravan is 35 years old. He wants to secure his family's financial future with an investment
solution that also offers returns on his investment. He chooses to secure his life for a 20 year
term with the BSLI Vision Endowment Plan.

He chooses a sum assured of Rs.2,50,000 and a premium paying term of 10 years in the annual
mode, where his premium is set at Rs.16,017. Total Maturity Benefit he can expect at the end
of a 20 year term at (1)8% will be Rs.3,75,170 or Rs.225,170 at (1)4%. He can also expect
Guaranteed Maturity Benefit of Rs.160,170 at the end of the policy term.

In case of Sachin's untimely demise, the total Death Benefit his family can expect will be to
the tune of Rs.4,40,00 at(1)8% or Rs.290,000 @ (1)4%. In case of death by accident, his sum
assured will double, i.e. Rs.5,00,000.

BSLI Savings Plan.

Life is full of uncertainties and seldom turns out the way one expects it to be. We all look for
security; whether it is for our family's future or for our savings. Given a choice, we would leave
nothing to chance when it comes to fulfilling goals and securing family's well-being.

Presenting, the BSLI Savings Plan. It not only helps you save money regularly but also enables
its steady growth over time. With this plan, you and your loved ones gain peace of mind and
the potential of a secure financial future to meet your financial needs.

Let's understand this plan with the help of an illustration

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Sachin is a healthy 35 years old engineer. He wants to secure his family's financial future if
anything unfortunate happens to him. He chooses to secure his life for a 20 year term with
BSLI Savings Plan. Based on his life stage, his premium per year is set at 7,492. Total Maturity
Benefit he can expect at the end of a 20 year term at 8%(1) will be 2,34,000 or 190,000 at
4%(1) scenario. Plus, he can expect Guaranteed Additions which are up to 20,000 from the 5
year onwards. He can also expect Guaranteed Benefit of 1,20,000 at the end of the policy term.
In case of Sachin's untimely demise, the Death Benefit his family can expect will be
234,000@8% or @4% it will be 190,000. The Estimated Bonuses the policy will earn are of
114,000 @8% or 70,000 @4% scenario.

BSLI Vision LifeSecure Plan.

Today you are young and you don't have as many responsibilities. Even then you don't know
where the money goes as your desires are increasing and you want to lead a good lifestyle and
fulfil your desires. But, tomorrow as your responsibilities and life's uncertainties increase, you
and your family should not have to sacrifice this lifestyle that you are enjoying today. So, if
you start saving small amounts in a disciplined manner today, not only will you accumulate
enough tax-free savings for a secure future but also protect yourself from life's uncertainties.
(Under Section 80C and Section 10(10D) of the Income Tax Act, 1961)

Let's understand this plan with the help of an illustration.

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Prakash is a 30 year old healthy male. He wants to ensure that he and his family do not have to
sacrifice the lifestyle that they are enjoying today. Therefore, he starts saving in a disciplined
manner today.

He chooses to secure his life for a 30 year term with BSLI Vision LifeSecure Plan. Based on
his life stage, his premium per year is set at Rs. 28,326.

If Prakash survives till the end of the policy term, he can expect a guaranteed maturity amount
of Rs. 775,000 plus accrued bonus amount of Rs.1,62,750 (at the rate 4% p.a.) or Rs.14,76,375
(at the rate of 8%p.a.) at the end of 30 years. The policy continues even after the Maturity
Benefit is paid.
In the unfortunate event of his death during the policy term, his family can expect the
Guaranteed Death Benefit along with the accrued regular bonuses as on date of death and the
terminal bonus (If any).
1
Subject to a minimum of 105% of total premiums paid to date (excluding Service Tax & Cess,
and underwriting extras, if any).
In the unfortunate event of his death after the policy term at any point of time before age 100,
his family can expect the death benefit of Rs.9,20,683.

BSLI Income Assured Plan.

You diligently chalk out plans and work hard in life to give your near and dear one's a
financially secure future. But, uncertainties can always put you on the back foot. To fulfil the
rising needs of life at various stages what you need is a product that guarantees returns, no
matter the situation. So, when you get closer to realising your dreams/aspirations, an extra

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stream of income will always be there to help realise those dreams. BSLI Income Assured Plan,
helps you plan your future better by creating a corpus in the long run that helps you realise your
dreams and various financial goals.

How does the plan work?

You can customise your policy to suit your needs by choosing the pay term and the policy term.
You can choose from the following:

5 years pay term for 15 year policy term

7 years pay term for 17 or 22 year policy term
10 years pay term for 20 or 25 years policy term

BSLI Vision Regular Returns Plan.

We work hard for our loved ones & strive to provide the best to them. At BSLI we understand
your needs and help you to plan better to achieve your financial goals and realize your dreams
with BSLI Vision Regular Returns Plan, an affordable savings and life insurance plan. BSLI
Vision Regular Returns Plan is a traditional participating endowment plan. With survival
benefits payable every year from 5th policy anniversary till maturity and life insurance benefit,
this plan offers a perfect combination of liquidity, savings and financial protection of your
family.

Let's understand this plan with the help of an example.

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Rahul is 25 years old. He wants to invest his money that offers returns on his investment &
also earn an additional source of Income that can take care of his growing responsibilities in
future. He chooses to secure his life for a 20 year term with the BSLI Vision Regular Return
Plan.

He chooses a sum assured of Rs.1,000,000 and his premium is set at Rs.62109 annually. He
will receive Guaranteed Survival Benefit every year 5th year onwards as per the defined
rate(refer to the table under survival benefit) starting from Rs. 15,625 to Rs. 181,537 in 20th
year & Non Guaranteed Survival Benefit i.e. 6.25% of accrued bonus along with Guaranteed
Survival Benefit. At maturity, he can expect to receive Rs. 5,59,137 at 8% p.a and Rs. 362,477
at 4% pa. inclusive of total survival benefit & maturity benefit at the end of 20 year term. Plus
In case of Rahul's untimely demise, the total Death Benefit his family can expect will be to the
tune of Rs.1771363 at 8% pa and Rs. 1387227 at 4% pa

Key Advantages

Growth to your savings Enhance your savings by accrued bonuses starting from the first
policy year.
Easy liquidity at regular intervals You receive survival benefits every year starting from end
of five years till the end of policy term.
Tax Benefits under Section 80C, 80D and Section 10(10D) of the Income Tax Act, 1961.
Safety to your loved ones Comprehensive financial protection of your family depending on
your choice of Sum Assured.

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BSLI Vision Endowment Plus Plan.

In life, when we face so much uncertainty around us, there's nothing more reassuring than
knowing that not only is your money safe, but also that you will receive more than what you
have invested. With the return of premium along with accrued bonuses on maturity and
protecting your family's financial security, this plan offers you the best of both worlds.
Hence, by investing in BSLI Vision Endowment Plus Plan, your investment can go a long way
in building a safe and financially sound future for your family, today as well as in the years to
come.

Let us understand this plan with an example

Ketan is a healthy male aged 35 years. He wants to secure his family's financial future with an
investment solution that also offers returns on his investment. He chooses to secure his life for
a 20 year term with the BSLI Vision Endowment Plus Plan. He chooses a sum assured of
Rs.2,50,000 and premium paying term for 10 years. For this plan, he has a choice of selecting
Death Benefit options best suited for his family. Based on his life stage & death benefit option
A, his premium per year is set at Rs.18,165. He can expect Rs.4,05,085 as the total Maturity
Benefit at the end of a 20 year term at 8% p.a or Rs.222,585 at 4% p.a. In case an eventuality
occurs in 15th year, his family will get Death benefit of Rs.4,22,500 at 8% pa or Rs.2,85,625
at 4% pa.
If he chooses the Death Benefit Option B, the premium he has to pay is Rs.18,810. The total
Maturity Benefit is Rs.411,308 at the end of a 20 year term at 8% p.a. or Rs.228,808 at 4% pa.
In case an eventuality occurs in 15th year, his family will get Death benefit of Rs.5,47,500 at
8% pa or Rs.4,10,625 at 4% pa.

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Objectives of Study
1 page 4-5 points

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Nature of Work done during the Internship

2 page likhna hai kam se kam

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Academic Learning
1 page

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Professional Learning
1-2 pages

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Findings and conclusion

1 page

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Recommendations / Suggestions
4-5 points kam se kam

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Bibliography

https://insurance.birlasunlife.com
https://www.ibef.org/industry/insurance-sector-india.aspx
https://www.wikipedia.org

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