Company Profile

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 9 years, BSLI has contributed significantly to the

growth and development of the life insurance industry in India and currently

ranks amongst the top 5 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.

Add to this, the extensive reach through its network of 600 branches and

1,75,000 empanelled advisors. This impressive combination of domain expertise,

product range, reach and ears on ground, helped BSLI cover more than 2 million

lives since it commenced operations and establish a customer base spread

across more than 1500 towns and cities in India. To ensure that our customers

have an impeccable experience, BSLI has ensured that it has lowest outstanding

claims ratio of 0.00% for FY 2008-09. Additionally, BSLI has the best Turn

Around Time according to LOMA on all claims Parameters. Such services are well

supported by sound financials that the Company has. The AUM of BSLI stood at

Rs. 8165 crs as on February 28, 2009, while as on March 31, 2009, the

company has a robust capital base of Rs. 2000 crs.

Vision

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

business.

Mission

To help people mitigate risks of life, accident, health, and money at all stages

and under all circumstances

Enhance the financial future of our customers including enterprises

Values

Integrity

Commitment

Passion

Seamlessness

Speed

A US $28 billion corporation, the Aditya Birla Group is in the league of Fortune 500

worldwide. It is anchored by an extraordinary force of 100,000 employees, belonging

to 25 different nationalities. The group operates in 25 countries across six continents

– truly India's first multinational corporation.

Aditya Birla Group through Aditya Birla Financial Services Group (ABFSG), has a

strong presence across various financial services verticals that include life insurance,

fund management, distribution & wealth management, security based lending,

insurance broking, private equity and retail broking. The seven companies

representing ABFSG are Birla Sun Life Insurance Company, Birla Sun Life Asset

Management Company, Birla Sun Life Distribution Company, Birla Global Finance

Company, Birla Insurance Advisory & Broking Services, Aditya Birla Capital Advisors

and Apollo Sindhoori Capital Investment. In FY 2008-09, the consolidated revenues

of ABFSG from these businesses crossed Rs. 4763 crores, registering a growth rate

of 36%.

For more information please visit www.adityabirla.com

Sun Life Financial is a leading international financial services organisation 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 December 31, 2008, the Sun Life

Financial group of companies had total assets under management of $381 billion.

Individual Solutions

At Birla Sun Life Insurance, we look at life from your perspective. Hence,

no matter what your dreams are - be it long term protection, wealth

creation, health, retirement security or your children’s education, we

provide you customised insurance solutions to meet all your Life needs

successfully.

Our Protection Solutions for your family's life

insurance needs.

Our Children’s Future Solutions To take care of

your children's need.

Our Wealth with Protection Solutions To help you

create long term wealth & protect your family.

Our Health & Wellness Solutions To cover you &

your family's current & future health need.

Our Retirement Solutions To financially secure a

happy retired life.

Group Insurance

We believe that employee benefit plans provided by employers

to their employees play a very important role in increasing

employee loyalty and productivity. Birla Sun Life uses its vast

expertise in helping organizations and groups design

customized solutions to their employees.

Retirement Solutions

Our employee benefit solutions are designed to enable

organizations and groups to offer superior benefits to their

employees to meet both statutory requirements like gratuity

and retirement solutions.

Gratuity

While Gratuity is a statutory obligation it is also a very

important tool today to create employee loyalty. A

comprehensive gratuity plan can help organizations reduce

both business costs and corporate tax. Birla Sun Life’s

gratuity solution manages your gratuity liability effectively

and also helps you release resources for other business

activities.

SuperAnnuation

Today while there is a high awareness of the impact of

inflation and its affect on retirement savings among

employees, very few would have adopted a systematic and

disciplined savings plan to counter its effect. Organizations

can play a key role in helping employees to build the desired

retirement corpus while at the same time increasing

employee loyalty. Birla Sun Life’s solutions can be

customized to effectively meet both employer and employee

requirements.

Leave Encashment

Leave encashment liabilities for organization keep growing

with time thus straing the organizations resources. These

liabilities can bee effectively met through the management

of a dedicated fund for leave encashment. Birla Sun Life vast

experience in effectively managing funds and delivering

superior returns can help organizations effectively manage

these liabilities

Protection Solutions

Birla Sun Life Insurance Group Protection Solutions provide

the benefit of an insurance cover to an entire group of people

as a single unit.

This can be Employer – Employee Groups, Affinity Groups and

Mortgage Groups

Employer employee

At Birla Sun Life Insurance (BSLI), our goal is to help you

ensure your employees’ well being so that they can enhance

their performance & potential. Our protection solutions

combine new innovations in organizational benefits with the

traditional strength of employee assistance to help you:

Protect your investment in your people Reduce the liability,

cost and negative impact of mental ressures in the work

place Maintain your position as employer of choice; and

Incorporate employer protection & wellness into your core

business practices

Affinity

An affinity group is a group consisting of persons who

assemble together with a commonality of purpose or

engaging in a common economic activity.

In Insurance parlance Non-employer-employee groups like

employee welfare associations, borrowers of a bank,

professional associations or societies may also be treated as

affinity groups provided the president/ secretary/ manager/

group organizer in his capacity as organizer of the group has

an authority from majority of the members of the group to

arrange insurance on their behalf.

Birla Sun Life Insurance

Risk management against a huge loss is very necessary, and insurance is transfer of

risk from one entity to another. Several companies have come up these days with

life, health, medical and travel insurance. One such company is Birla Sun Life

Insurance. Providing a number of insurance products, Birla Sun Life is a prestigious

company to bond with.

Birla Sun Life Insurance Company Limited is a joint venture between the Sun Life

Financial Inc and the Aditya Birla Group. Birla Sun Life Insurance was the first

company in the sector of financial solutions to begin Business Continuity Plan. In

fact, policies were first issued by this insurance company on the Internet. This

insurance provider company has pioneered the unique Unit Linked Life Insurance

Solutions in India. It is one of the top players in the industry of Private Life Insurance

Scheme.

The company believes in passion, integrity, speed, commitment and seamlessness.

The mission of the company is to help people with risk management. It also helps in

managing the financial situation of firms as well as individuals.

Some of the Birla Life Insurance products include:

Insurance for protection

Insurance for retirement

Insurance for saving

Insurance for children

Insurance for riders Insurance for rural

Birla Sun Life Insurance for Protection includes insurance such as Birla Sun Life

Insurance Term Plan and Birla Sun Life Insurance Premium Back Term Plan. Birla

Sun Life Insurance Term Plan is apt for those seeking insurance benef its at economic

costs. The plan covers all the liabilities and provides absolute security. The minimum

age limit for acquiring the insurance is 18 years and maximum is 55 years. One can

pay the premium either annually, monthly, quarterly or semi-annually. One can pay

it through the ECS mode of payment or on a one-time basis.

The Birla Sun Life Flexi SecureLife II- Retirement Plan is segregated into 2 sections.

One is the Accumulation or build up phase and the other is the Annuity or the payout

phase. With this plan one can enjoy tax benefits. Surrender scheme is also applicable

to this plan. One can give up the policy after the 3 years of policy till the vesting age.

Other Birla Sun Life Insurance for Savings include:

Birla Sun Life Insurance Flexi Save Plus

Birla Sun Life Insurance Dream Plan

Birla Sun Life Insurance Gold-Plus II

Birla Sun Life Insurance Classic Life Premier

Birla Sun Life Insurance Prime Life Premier

Birla Sun Life Insurance Saral Jeevan Plan

Birla Sun Life Insurance Prime Life

Birla Sun Life Insurance Life Companion

Birla Sun Life Insurance Simply Life

Birla Sun Life Insurance Flexi Cash Flow

Birla Sun Life Insurance Flexi Life Line

Birla Sun Life Insurance Supreme-Life

Birla Sun Life Insurance Single Premium Bond