Birla Sun life Protector Plan

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Birla Sun life Protector Plan

Birla Sun life offer three type of term insurance policies and BSLI Protector Plan is one of them.

Key Features:

Complete financial protection at an affordable cost

Hedge against the rising cost of living with an option of increasing Sum Assured

Enhanced insurance with appropriate rider options

Income Tax benefits as per prevailing norms under the Income Tax Act, 1961

Plan Details

Entry Age           18 to 65 years of age

Sum Assured Option      I – Level Sum Assured

II – Increasing Sum Assured

Policy Term– 5 to 30 years, subject to max. age on maturity: 75 years

Premium Paying Term   Regular Pay

Premium Mode                Annual | Semi-annual | Quarterly | Monthly

Sum Assured     Min. Rs. 5,00,000

Max. Rs. 49,99,999

Please ask your financial advisor or visit our website to determine the premium rate applicable for your policy.


Death Benefit: In case of the unfortunate demise of the life insured during the policy term, the Sum Assured as per chosen option will be paid to the nominee. The policy shall be terminated once the Death Benefit is paid.

Maturity Benefit: In the event the life insured survives to the end of the policy term, no benefit is payable on maturity and the policy shall be terminated thereafter.


This plan offer no policy loan, surrender value or paid-up value.

This plan offer the following Rider options, to enhance your financial security

For added protection, BSLI Protector Plan can be enhanced by the following riders for a nominal extra cost:

Critical Illness Rider (UIN: 109C019V01): On diagnosis of any of the four illnesses – Heart Attack, Cancer, Major Organ Transplant and Stroke, you will receive up to 100% of the Rider Sum Assured.


Accidental Death and Disability Rider (UIN: 109C018V01): In the event of death due to an accident, your nominee will receive the chosen Rider Sum Assured up to a maximum of Rs. 50,00,000. In the event of disability due to an accident, you will receive a fixed percentage of the Rider Sum Assured, depending on the type of injury.

Hospital Care Rider (UIN: 109C016V01): In the event that you are hospitalized for treatment, you will receive Daily Cash Benefit to take care of your expenses. In case you are treated in an Intensive Care Unit, you will receive an enhanced Daily Cash Benefit. To help you cover your recuperation expenses, you will be paid a lump sum amount, in case you are hospitalized for more than seven days for the same disease.

Surgical Care Rider (UIN: 109C015V01): In case you are hospitalized to undergo a surgery, you will be paid a lump sum amount to cover your expenses.

Waiver of Premium Rider (UIN: 109C017V01): In case life insured/policyholder is unable to pay the policy premiums due to a disability, critical illness or untimely demise, all future premiums of the base plan and the attached riders will be paid by BSLI and all policy benefits will continue.

ICICI Pru homes assure

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