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Flexi Cash Flow Money Back Plan

It is designed for people who want to make use of their savings at regular intervals in life in addition to getting the protection of life insurance.

The Flexi Cash Flow Money Back Plan offers you the flexibility to choose from various unique features

- Duration of the plan - You can choose the duration of the plan, depending on your financial requirements. It can be 10,15,20 or 25 years.

-Premium amount payable - You can choose your premium payment based on your convenience. This may be a one time payment or you could pay your premium annually, semi-annually or quarterly.

- Investment Option - A part of the premium that you pay regularly will be invested in an 'Investment Fund' which will help you improve returns on the maturity of your plan. This Investment Fund invests, on your behalf, in government bonds and securities, infrastructure bonds, money market instruments and listed equities. You may select your investment option. You also have the flexibility of changing your investment option whenever you need to.

- Automatic premium payment - If, for some reason, you are not able to keep your premium payment commitment, the plan will deploy funds from your earlier payments so that your policy does not lapse immediately.
The payment is based upon applicable conditions.

- Free Look Period - Having selected a plan, from the date of dispatch of policy document, you get an opportunity to review your decision for 14 days. If you wish to cancel your plan within this period, you get a full refund of the premium amount paid.

- Transparency in Surrender Values - You will know the exact amount that will be due to you were you to pre-maturely terminate your plan.

What do you get on survival upto specified duration? The Flexi Cash Flow Money Back Plan provides you with the flexibility of getting a fixed percentage of the face value at specified regular intervals.

Unique Features

As part of Birla Sun Life Insurance's commitment to you, the Flexi Cash Flow Money Back Plan is unique in its offering in more ways than one. You can avail of these special benefits -

- Investment Fund, which helps you, improve returns by investing a part of your premium money in bonds and equities.

- Access to your funds, to ensure that you have access to your money you may
- Get a loan upto 90% of the total policy value. A fixed rate of interest has to be paid on the loan amount. The payment is based upon applicable conditions and administrative guidelines.
- Withdraw money from your account from the 3rd policy anniversary. Please refer to the holding account column in the Sample Illustration table to see how it operates
- Have the option to close the plan earlier than the period taken for. To determine the amount receivable please refer to the surrender value column in the Sample Illustration. There are no surrender charges applicable after the 4th year.

- Death Benefit, provides the beneficiary with an underlying term cover throughout the term of the policy. Please refer to the death benefit column in the Sample Illustration for details.