In this policy, the investment risk in investment portfolio is borne by the policyholder.
	Highlights
	Guaranteed additions in the form of additional units
	Choice of tenure-10, 20, 30 years or whole life
	Choice of 8 Investment Fund Options
For the select few like you, settling for anything short of the best is an unthinkable compromise. We, at Birla Sun Life Insurance, understand you and hence have created a plan that keeps pace with your ever growing success. Birla Sun Life Insurance ClassicLife Premier is a plan that not only helps you save for the future but also lets you reap rich benefits from the investments of your choice especially at a time when your need for family protection reduces significantly. We realize that when you look at a life insurance policy, you look for something that will act as a protector as well as an enhancer. The unit linked, investment-oriented insurance plan is as flexible as life and will help you strike the right proportion between protection and savings during your life yet last you a lifetime.
	About Birla Sun Life Insurance?
	Birla Sun Life Insurance Company Limited is a joint venture between The Aditya Birla Group, one of the largest business houses in India and Sun Life Financial Inc., a leading international financial services organisation. The local knowledge of the Aditya Birla Group combined with the expertise of Sun Life Financial Inc., offers a formidable protection for your future. The Aditya Birla Group has a turnover of close to Rs. 119000 crores, with a market capitalisation of Rs. 133875 crores (as on 31st March 2008). It has over 100,000 employees across all its units worldwide. It is led by its Chairman - Mr. Kumar Mangalam Birla. Some of its key companies are Hindalco, Grasim and Aditya Birla Nuvo. Sun Life Financial Inc. and its partners, have operations in key markets worldwide. These include Canada, the United States, the United Kingdom, Hong Kong, the Philippines, Japan, Indonesia, India, China and Bermuda. Sun Life Financial Inc. has assets under management of over US$404.7 billion (as on 31st March, 2008). It is a leading performer in the life insurance market in Canada. Birla Sun Life Insurance (BSLI) has been operating for 7 years. It has contributed significantly to the growth and development of the life insurance industry in India. It pioneered the launch of Unit Linked Life Insurance plans amongst the private players in India. It was the first player in the industry to sell its policies through the Bancassurance route and through the Internet. It was the first private sector player to introduce a Pure Term plan in the Indian market. BSLI has covered more than 2 million lives since it commenced operations. And its customer base is is spread across more than 1500 towns and cities in India. The company has a capital base of Rs. 1274.5 crores as on 31st March 2008.
	How does the Birla Sun Life Insurance Classic Life Premier ensure me superior benefits?
	The plan is a unit linked non participating plan You have the choice of eight Investment Fund Options with the flexibility to allocate the premiums in varying proportions into the different Fund Options or even switch* from one or more Investment Fund(s) to other Investment Fund(s). You can top up your Fund Value whenever you have additional savings. The minimum amount of top ups will be Rs. 10,000 The plan offers you further benefits in the form of additional units, which will be added to the Fund Value at the end of the 10th policy year and at the end of every 5th year thereafter. There is high liquidity in the form of Partial Withdrawals and surrender benefits. Death benefits, which will be higher of the Fund Value or Sum Assured, reduced by the applicable partial withdrawals (refer section on deathbenefits given later in the brochure)

Section 41 of the Insurance Act

No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take or renew or continue an insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy, nor shall any person taking out or renewing or continuing a policy accept any rebate, except such rebate as may be allowed in accordance with the published prospectuses or tables of the insurer.

Section 45 of the Insurance Act

No Policy of Life Insurance effected before the commencement of this Act shall after the expiry of two years from the date of commencement of this Act and no Policy of Life Insurance effected after the coming into force of this Act shall, after the expiry of two years from the date on which it was effected be called in question by an Insurer on the ground that statement made in the proposal or in any report of a medical officer, or referee, or friend of the Life Insured, or in any other document leading to the issue of the Policy, was inaccurate or false, unless the Insurer shows that such statement was on a material matter or suppressed facts which it was material to disclose and that it was fraudulently made by the Life Insured and that the Life Insured knew at the time of making it that the statement was false or that it suppressed facts which it was material to disclose. Provided that nothing in this section shall prevent the Insurer from calling for proof of age at any time if he is entitled to do so, and no Policy shall be deemed to be called in question merely because the terms of the Policy are adjusted on subsequent proof that the age of the Life insured was incorrectly stated in the application.

Risk Factors/Disclaimers

This is a non-participating unit linked plan. This policy is underwritten by Birla Sun Life Insurance Company Limited (BSLI). Birla Sun Life Insurance, ClassicLife Premier, Assure, Protector, Builder, Enhancer, Creator, Magnifier, Maximiser and Multiplier are only the names of the Company, Policy and the Investment Fund Options respectively and do not in any way indicate the quality of the Policy, Investment Funds or their future prospects or returns. The charges mentioned above are applicable to all the eight Investment Fund Options offered at present. All the policy Charges (except Premium Allocation and Mortality Charge) can be modified by the company subject to approval of the IRDA. The value of the Investment Fund Options reflects the value of the underlying investment. These investments are subject to market risks and change in fundamentals such as tax rates etc effecting the investment portfolio. The premium paid in Unit Linked Life Insurance policies are subject to investment risk associated with capital markets and the NAV of the units may go up or down based on the performance of Investment Fund Options and factors influencing the capital market and the insured is responsible for his/her decisions. There is no guarantee or assurance of returns from the Investment Fund Options. BSLI reserves the right to recover levies such as the Service Tax levied by the authorities on insurance transactions. If there be any additional levies, they too will be recovered from you. This brochure contains the salient features of the plan. For further details please refer to the policy contract. Insurance is the subject matter of the solicitation. For more details and clarification call your BSLI Insurance Advisor or visit our website and see how we can help in making your dreams come true.