Gold Plus-II is a flexible short pay plan to fulfil medium term Investment and Risk cover needs of HNI customers.

Plan at glance
Issue ages	Age 18 – 60 yrs
Term of Coverage	5 – 25 years
Premium Paying period	Regular Pay only
Guaranteed Maturity Benefit (GMB) Min	100% Option – Rs.75,000 200% Option – Rs.37,500 300% Option – Rs.25,000
Premium & SA Min	No Min – Depends on the Guaranteed Maturity Benefit (GMB) selected by the customer.
Sum Assured	Option to increase the life cover with Enhanced Sum Assured (ESA).
Choice of funds	Protector, Builder & Enhancer with asset allocation, premium redirection and switching.
Withdrawal facility	Available after 3rd Policy Yr from the non-guaranteed portion of the Fund Value. Min withdrawal of Rs.5,000.
Top up	Min Rs 500 (if top-up premium less than 25% of cumulative annual premiums). Min Rs. 5,000 (if top-up premium more than 25% of cumulative annual premiums. There will be an impact on SA).
Riders	Accidental Death & Dismemberment Benefit (ADD)
Death Benefit	SA (including enhanced SA) + higher of Guaranteed Fund Value or Fund Value
Maturity Benefit	Higher of GMB or Fund Value
Settlement Period	5 years incase of 200% or 300% GMB options with staggered payments
Tax benefit	Sec 80 C & 10(10D)**
Key Benefits: Choose your Guaranteed Maturity Benefit (GMB) to be paid at end of Term selected Get More – Select from 200% / 300% of the GMB at the end of the term No Upfront Charge – 100% of premium is allocated to the Investment Fund Options      chosen each year Maximize Returns – Choose from 3 Investment Fund Options with facility to allocate and      premium redirection Increase profits – Additional investments in the form of Top-Ups with as little as Rs 500      from day one, adding to your guaranteed portion! Liquidity – Partial withdrawal allowed, ensuring access to money at time of emergency Comprehensive Risk cover – On death Sum Assured + Fund Value is paid to nominee Protection – Choose the enhanced life cover over the basic risk cover Tax Benefit at all times – on Premium contribution, on Withdrawal, Surrender, Maturity, or      Death.      Dream plan is what every plan should be… to help ensure your Dreams come true Pick your minimum Maturity Benefit – Guaranteed! Pick how you want it paid – 100% at maturity plus more for 5 yrs in the 200% or 300%      option – Guaranteed! Pick if you want more for your family – Enhance your Sum Assured – Guaranteed! Add even more with Top-Ups – Add to your Guarantees Plus have all the maximum upside of market-linked returns with 100% of your premium      allocated from Day 1 Gold Plus-II provides you: Premium Choice Plan – Pay today. Pay what is comfortable in 2nd & 3rd year An Easy Investment Plan – Have 7 investment choices with Maximiser 100% Equity       Exposure Fund A Mature Term Plan – Clients between 55 to 70 qualify for a “Term-like Cover” with only       3 premiums and 8-year coverage DISCLAIMERS: Insurance is the subject matter of the solicitation. The premium paid in Unit Linked Life Insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of the fund and factors influencing the capital market and the insured are responsible for his or her decision. Birla Sun Life is only the name of the Insurance Company and .............................. is only name of the unit linked life insurance contract and funds and does not in any way indicate the quality of the contract, its future prospects or returns. The policy is underwritten by Birla Sun Life Company Ltd All guaranteed benefits are payable only when all premiums are paid when due. For more details on risk factors, terms and conditions please read sales brochure carefully before concluding the sale. Conditions apply (where ever applicable) Tax benefits are subject to changes in the tax laws. Please contact your tax consultant for actual tax calculation Back