Birla Sunlife Insurance – Saral Wealth Plan

BSLI Saral Wealth Plan

Welcome to the BSLI Saral Wealth Plan

An insurance plan that provides you the benefits of insurance without any medical tests, offers you extra protection for your loved ones and an option to enjoy Guaranteed Maturity Benefits.

A Simple buying process without medical tests

You do not have to go through the hassle of medical tests for buying this plan. All you have to do is fill up an application form, choose your savings premium, premium paying term and policy term and a suitable investment option.

Investment options to suit your needs

BSLI Saral Wealth plan gives you an opportunity to invest depending on your risk appetite. You have to two investment options to choose from – LifeCycle Option and Guaranteed Option.


In the LifeCycle option, we manage your investments over the term of the policy to suit your age and risk profile. This frees you from having to manage your investment.
 If you choose the Guaranteed Option, you stand to receive a guaranteed amount on maturity based on the number of premiums you pay, pay term and policy term of your choice. You only require to pay a nominal additional premium to provide this extra protection to your savings. Please refer to the brochure for details.

Enhanced returns at maturity through Guaranteed Additions

Your fund value is increased at the end of the  policy term by means of Guarenteed Additions. Thus you will receive an amount in addition to your fund value at maturity.

Your Guaranteed Addition amount depends on your policy premium and the combination of premium  paying term and the policy term you choose. The Guaranteed Additions are applicable only if you have paid all your premiums.

Tax Benefit

You enjoy tax benefits under Section 80C and 10(10D) of the Income Tax Act, 1961 under this plan.

Plan Summary

Entry Age18 to 55 years
Savings PremiumRs. 10,000 or more annually
Sum Assured6 times of annual savings premium
Premium paying term and Policy term combinations
( refered as pay/term)
Your three options are : 10 pay/ 10 term, 10 pay/20 term and 20 pay/20 term
Investment OptionsLifeCycle Option: Your premiums will be invested between Maximiser (100% equity) and Income Advantage (100% debt) in a predetermined proportion based your risk profile and age at the time of invetsment
Guaranteed Option: Your money will be solely invested in the investment fund Enhancer
Please refer to brochure for details on funds
Maturity BenefitYou will receive the Fund Value plus Guaranteed Addition. In case of Guaranteed Option, you receive higher of Guaranteed Maturity Benefit and Fund Value, plus Guaranteed Addition


Download its brochure here.

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