Life Insurance Corporation of India -...

Mr Rajesh Chaudhary

Life Insurance Corporation of IndiaEvery day we wake up to the fact that more than 170 million lives are

part of our family called LIC. We are humbled by the magnitude of the

responsibility we carry and realize that the lives that are associated

with us are very valuable indeed.

Although this journey started five decades ago, we are still conscious

of the fact that, while insurance may be a business for us, being part

of millions of lives every day for the past 55 years has been a process

called TRUST.

55 Years Of Trust…

…Thy Name Is LIC

Our Mission & VisionMission:

“Explore & Enhance the quality of life of people through financial security by providing products and

services of aspired attributes with competitive returns, and by rendering resources for economic

development”

Vision:

“A Trans-Nationally competitive financial conglomerate of significance to societies and pride of India”

INSURANCE PRESENTATION

BIMADEEP ---- YOUR LIFE PARTNER ----

Rajesh - 080800 99225, 92233 89225 E-mail : [email protected], Devesh - 92233 89224

Vishal - 92232 72805, Bhimashankar - 84698 68172, Ajay - 95582 04993, Amit - 92218 56228,





Date: 26/07/2011Age: 30Name: Mr Rajesh Chaudhary

Plan 149: Jeevan Anand

Jeevan Anand is a plan introduced from 1st February, 2002. This plan is a combination of the Whole

life plan and the most popular Endowment Assurance Plan.The plan provides the pre-decided Sum

Assured and Bonuses at the end of the stipulated premium paying term,but the risk cover on the

life continues till death. The premium is paid till the premium paying term or till the death of

the life assured, whichever is earlier.

Features

1. Being a whole life cum endowment plan, the premium payment is limited to the selected

term, but the risk cover continues till death of the life assured.

2. Maturity Benefit : At the end of Premium Paying Term, Sum Assured plus Bonus is

payable with Final Additional Bonus if any.

3. Death Benefit :

(A) If death occurs after the premium paying term an additional amount equal

to Sum Assured is payable & no Bonus is payable.

(B) If death occurs before the Premium Paying Term, Sum Assured plus accumulated Bonus

is payable.

4. Double Accident Benefit :- On death due to accident extra sum assured would be payable.

5. Permanent Disablity Benefit :- In case of disablity due to accident following would be payable.

* Future premiums are waived.

* Annuity for next 10 years = SA / 120. payable monthly.

* Insurance cover continues and maturity would be payable after completion of term .

6. Bonuses: Simple Reversionary Bonus accrues during the PPT and is payable at the end

of the PPT or on earlier death along with Final Additional Bonus, if any. No Bonus is paid on death

after the PPT.

7. This policy provides for a built-in DAB (without paying any additional premium), during

the PPT and then up to age 70 yrs of age of the LA.

The maximum Accident Benefit allowed under this plan is Rs. 5 lacs (exclusive limit)

8. Critical Illness Rider Benefit is available. Covering Heart Attack, Stroke, Cancer, Kidney Failure,

Major Organ Transplant, Paralysis, 3rd Degree Burns, Blindness, Coronary Artery By-Pass Surgery

Heart Valve Replacement or Repair, Aorta Graft Surgery. This benefit is available at extra cost.

9. Loan can be taken against this policy.

10. Backdating of policy is allowed.

11. Housing loan can be taken against this policy.

12. Policy can be surrendered for its paid-up value after a period of 3 years.

Having the right to do it, does not mean it is right to do it.






Plan 165: Jeevan Saral

Jeevan saral is a unique plan having good features of the conventional plans and the fexibility of a unit-linked plans.

To the policy holder it provides :-

* higher cover

* a smooth return

* liquidity

* a lot of flexibility

Under this product death cover will be same irrespective of age at entry and term but the sum payable

at maturity will differ for different entry ages and terms.

This plan is more approprite for employees particularly seeking life cover through a salary savings scheme.

Persons who want short term insurance but are not willing to pay more premiums.

Students going abroad for further studies.

Features

1. Maturity Benefit:

1) Maturity Sum Assured Plus

2) Loyalty addition

2. Death Benefit:

1) 250 times the monthly premium plus

2) Return of premiums excluding first year and extra premiums plus

3) Loyalty addition

3. Only term assurance plan allowed to minors.

4. Extended risk cover of 1year (similar to table no 91) if 3 full years premiums are paid.

5. Double Accident Benefit :- On death due to accident extra sum assured would be payable.

6. Permanent Disablity Benefit :- In case of disablity due to accident following would be payable.

* Future premiums are waived.

* Annuity for next 10 years = SA / 120. payable monthly.

* Insurance cover continues and maturity would be payable after completion of term .

7. Term Rider Benefit is available for extra risk cover on natural death. This benefit is available

at extra cost.


9. Policy Loan is available.

10. Policy can be surrendered after a period of 3 years.

11. The policy holder can choose a maximum term but can surrender at any time.

12. Partial surrender allowed after 3 years

13. Attractive exit options.

All our dreams can’t be translet into reality.. but they can act as a foundation stone for a

glorious future.






Plan 159: Komal Jeevan

Today, life is highly competitive. Education and settling in life entails high costs.

Parents need, therefore,to make provision, in advance, for good education for their

Children. Children also need financial support for entering business/career.

L.I.C now introduces a new plan to take care of these needs - a Children’s Money Back

Assurance Plan, with payment of premium ceasing on policy anniversary immediately

after the child attains 18 years of age.The plan, besides offering risk cover, also

offers payment of Sum Assured in installments at age 18, 20, 22, 24 and Guaranteed and

Loyalty additions at age 26.Children up to the age of 10 are eligible for this plan.

Features

1. This is a “Money Back” type of policy with the PPT limited to the child age of 18 years.

2. This plan provides for a regular income flow equal to 20% of SA each on child attaining age

18 and 20 and 30% of SA on age attainment of 22 and 24.

On maturity, the accrued GA and LA is given back.

3. Death Benefit : (A) If the policyholder (child) dies after commencement of the risk but before

maturity, full S.A. together with G.A. @ 75/- per thousand S.A. + L.A.,

if any, is given to the nominee without deducting earlier installments paid.

(B) If child dies before the policy risk commences, the policy gets cancelled &

premiums paid ( excluding Premium Waiver Benefit & Term Rider Premiums)

till then is refunded.

4. The risk starts on completion of 7 years or 2 years from date of commencement of policy, whichever is

later, which is called as the “Deferment Period”

5. Premium Wavier benefit available on payment of extra premium.

Even the Term Rider benefit is available to the extent of 20% of the basic SA at extra premium.


7. Policy can be surrendered for its paid-up value after a period of 3 years.

8. Yly/Hly/Qly/SSS modes are allowed.

At the retirement age be rich or be poor … Its totally depends upon ur today’s decision.

Plan now for tomorrow.






Plan 147: New Jeevan Suraksha-1

With increased longevity, man's retired life is nearly half of his actual life.

And to ensure a pleasant life after retirement, provisions ought to be made when

you are young. New Jeevan Suraksha - 1 is a plan that helps to do it. If you can

make a small monthly contribution, which you can easily afford now you will

build a substantial pension for yourself and for your family and you could be

self dependent even after 55. So start building your pension benefits brick by

brick. A small sacrifice today will result in greater family and old age pension

benefits.

Features

1. This is a with profit pension plan suitable for everyone who wants to provide regular financial

security for their family.

2, Benifits during Deferment Period :

If the policy holder dies during the premium paying term then Premiums Paid till date with

5% p.a. compounding will be given to the nominee.

3. Benifits after Vesting/at Maturity :

The National Cash Option togather with Reversionary Bonuses and Final Additional Bonuses, if any

will be compulsorily converted into annity.

4. This policy does not mature and hence there is no maturity value.

5. The mode or frequency of pension payment can be selected from Yly/Hly/Qly/Mly/SSS.

6. Pension options are selectable.

The options available are annuity for life, annuity certain for 5,10,15, 20 yrs and for life

thereafter, annuity with return of purchase price, annuity for life increasing at a simple rate of

3% p.a., annuity for life with a provision for 50% of annuity to the spouse of the annuitant for life

on death of the annuitant.

7. Pension with return of purchase price is the best suitable option.


9. No medical examination is required for this plan.

10. Only standard age proof will be accepted.

11. Critical Illness Rider Benefit is available.

12. Term Rider Option is available at extra premium only for annual premium policies.

Take risks: if you win, you will be happy; if you loose, you will be wise






Plan 802: Endowment Plus

INTRODUCTION:

It has been decided to introduce LIC’s Endowment Plus (Plan No. 802) with effect from 20th September,

2010.This is a unit linked Endowment plan which offers investment-cum-insurance during the term of

the policy. The policyholder can choose the level of cover within the limits, which will depend on

mode and amount of premium he desires to pay.

Features

BENEFITS:

A) Benefits payable on death:

In case of death of the policyholder when the cover is in full force, the nominee shall be

eligible to get higher of Sum Assured under the Basic Plan and the Policyholder’s Fund Value

as at the date of booking the liability. The liability shall be booked after receipt of intimation

along with death certificate. Further, if partial withdrawal has been made during the last two

years from the date of death the Sum Assured under the Basic plan shall be reduced to the

extent of the amount of partial withdrawals made.

B) Benefits payable on maturity:

On the policyholder surviving the date of maturity an amount equal to the Policyholder’s Fund value is payable.

Eligibility Conditions : For Basic Plan

a) Minimum Basic Sum Assured:

Regular Premium policies: (Policy Term +1) times the annualized premium.

Single Premium : For age at entry below 45 years : 1.25 times the single premium

For age at entry 45 years and above: 1.10 times the single premium

b) Maximum Basic Sum Assured:

Regular Premium policies:

30 times the annualized premium, if age at entry is upto 45 years

25 times the annualized premium, if age at entry is 46 to 60 years

c) Minimum Premium: Regular premium : Rs. [20,000] p.a. ,for ECS mode: Rs. [1,750] p.m.

: Single premium: Rs. [30,000]

d) Maximum Premium : Regular premium: Rs. [1,00,000] p.a. ,Single premium: No Limit.

e) Minimum Entry Age : [7] last birthday

f) Maximum Entry Age : [60] nearest birthday

g) Policy Term : [10 to 20] years

h) Minimum Maturity Age : [18] years completed

i) Maximum Maturity Age : [70] years nearest birthday

Other Options :

1) Accidental Benifit Rider Available.

2) Partial Whithdrawal Facility Available.

3) Critical Illness Benefit Rider Available.

4) Loan Facility Available.

Success occurs when opportunity meets prepareation






Presentation Details

Plan Term

/ PPT

Sum

Assured

Mode Maturity

Amount

Maturity

Year

Bonus *Premium Total

Prem's Paid

Plan Name

Jeevan Anand149 21/21 100000 45 1122455345 1995002032Yly

Jeevan Saral165 25/25 250000 0 22969012010 10029132036Yly

Komal Jeevan159 26/18 100000 75 1310587281 1970002037Yly

New Jeevan Suraksha-1147 30/30 665779 35 1498504995 02041Yly

Endowment Plus802 15/15 400000 0 37500025000 7207032026Yly

Total: 1515779 99784354631

Note: The above Statements are based on certain assumptions, which are liable to change according to Government / Corporation's Policies.

* Rider Premiums are included in Premium.

* NI is number of installments.

Agents Copy

Sr.

No.

DOC Pn / Tm /

PPT

Sum

Assured

Mode

Yearly Half Yearly Quaterly Monthly SSS Per Day

No of

Inst.Single

1 26/07/2011 149/21/21 100000 5345 2714 1378 482 459 14.64 00

2 26/07/2011 165/25/25 250000 12010 6065 3063 1021 1021 32.90 00

3 26/07/2011 159/26/18 100000 7281 3678 1858 650 619 19.95 073980

4 26/07/2011 147/30/30 665779 7675 1946 491 55 55 21.03 0106877

5 26/07/2011 802/15/15 400000 25000 12500 6250 2083 0 68.49 0500000

57311 215442911304026903 157.02680857

Back Dating Extra

The following table shows the Back Dating Extra applicable for various plans in the

presentation. If Plan is older just ignore the comments in the reason column.

Proposal

Date

Plan BackDated

DOC

Back Dating

Extra

Premium Reason

26/07/2011 802 26/07/2011 025000

26/07/2011 147 26/07/2011 04995

26/07/2011 159 26/07/2011 07281

26/07/2011 165 26/07/2011 012010

26/07/2011 149 26/07/2011 05345

There is no substitute for Life Insurance






Commission

Sr.

No.

Plan / Term / PPT 1st Year

Commission

2nd / 3rd Year

Commission

1st Year

Bonus

Mode Sum

Assured

Premium Subsequent

Year Comm

1 149 / 21 / 21 Yly 100000 5345 1336 401 267 535

2 165 / 25 / 25 Yly 250000 12010 3003 901 601 1201

3 159 / 26 / 18 Yly 100000 7281 1820 546 364 728

4 147 / 30 / 30 Yly 665779 4995 375 100 100 0

5 802 / 15 / 15 Yly 400000 25000 1625 625 625 650

8159 2573 1957 3114

Happiness is a path, not a destination






Return's SpreadsheetTax Slab: 30%

Normal

Lifecover

Accident

Lifecover

Year Age Annual

Premium

Tax

Saved

Net

Premium

Returns

from LIC

Net Returns Total Loan

Available

Surrender

Value

30 766776 1516776 54631 16390 38241 0 -38241 002011

31 795462 1545462 54631 16390 38241 0 -38241 002012

32 824302 1574302 54631 16390 38241 0 -38241 22288468612013

33 853301 1603301 54631 16390 38241 0 -38241 68732755922014

34 882464 1632464 54631 16390 38241 0 -38241 946961047612015

35 912180 1662180 54631 16390 38241 0 -38241 1193013003982016

36 941763 1691763 54631 16390 38241 0 -38241 1457983703302017

37 1065776 1815776 54631 16390 38241 0 -38241 1743464519842018

38 1095940 1845940 54631 16390 38241 0 -38241 2051295292762019

39 1126294 1876294 54631 16390 38241 0 -38241 2386526134262020

40 1184637 1934637 53455 16037 37418 19329 -18089 3187877535622021

41 1260526 1956344 52867 15861 37006 11216 -25790 3590998540622022

42 1344813 1977418 52279 15684 36595 12938 -23657 4007959609462023

43 1433875 1997677 51691 15508 36183 14840 -21343 44454610754432024

44 1529005 2017917 51103 15332 35771 16953 -18818 49056311982302025

45 886403 1236403 25515 7655 17860 739753 721893 3132055839942026

46 903373 1253373 24927 7479 17448 21304 3856 3337406323382027

47 918529 1268529 24339 7302 17037 23735 6698 3546956822252028

48 931538 1281538 16470 4942 11528 46344 34816 3749567135402029

49 942524 1292524 15882 4766 11116 29155 18039 3945157557122030

50 1010858 1360858 15882 4766 11116 20000 8884 4417058325722031

51 960498 1310498 10537 3162 7375 199500 192125 3132707199942032

52 1012566 1362566 10537 3162 7375 30000 22625 3431317704692033

53 1067775 1417775 10537 3162 7375 0 -7375 3750448488202034

54 1126354 1476354 10537 3162 7375 30000 22625 4095789115052035

55 644735 744735 4995 1499 3496 451338 447842 271265433852036

56 373072 473072 4995 1499 3496 197000 193504 283774114852037

57 391721 491721 4995 1499 3496 0 -3496 296554450082038

58 411302 511302 4995 1499 3496 0 -3496 309604802412039

59 431862 531862 4995 1499 3496 0 -3496 322835170822040

60 765779 865779 0 0 0 50000 50000 33624373602041

61 765779 865779 0 0 0 50000 50000 34992388802042

62 765779 865779 0 0 0 50000 50000 36360404002043

63 765779 865779 0 0 0 50000 50000 37746419402044

64 765779 865779 0 0 0 50000 50000 39141434902045

65 765779 865779 0 0 0 50000 50000 40527450302046

66 765779 865779 0 0 0 50000 50000 41958466202047

67 765779 865779 0 0 0 50000 50000 43362481802048

68 765779 865779 0 0 0 50000 50000 44766497402049

69 765779 865779 0 0 0 50000 50000 46170513002050

70 765779 765779 0 0 0 50000 50000 47565528502051

71 765779 765779 0 0 0 50000 50000 48951543902052

72 765779 765779 0 0 0 50000 50000 50328559202053

73 765779 765779 0 0 0 50000 50000 51687574302054

74 765779 765779 0 0 0 50000 50000 53028589202055

Say yes to family security , say yes to Life Insurance






75 765779 765779 0 0 0 50000 50000 54342603802056

76 765779 765779 0 0 0 50000 50000 55638618202057

77 765779 765779 0 0 0 50000 50000 56916632402058

78 765779 765779 0 0 0 50000 50000 58158646202059

79 765779 765779 0 0 0 50000 50000 59382659802060

80 765779 765779 0 0 0 50000 50000 60570673002061

81 765779 765779 0 0 0 50000 50000 61722685802062

82 765779 765779 0 0 0 50000 50000 62847698302063

83 765779 765779 0 0 0 50000 50000 63936710402064

84 765779 765779 0 0 0 50000 50000 64989722102065

85 765779 765779 0 0 0 50000 50000 66015733502066

86 765779 765779 0 0 0 50000 50000 66996744402067

87 765779 765779 0 0 0 50000 50000 67950755002068

88 765779 765779 0 0 0 50000 50000 68868765202069

89 765779 765779 0 0 0 50000 50000 69786775402070

90 765779 765779 0 0 0 50000 50000 70668785202071

91 765779 765779 0 0 0 50000 50000 71568795202072

92 765779 765779 0 0 0 50000 50000 72459805102073

93 765779 765779 0 0 0 50000 50000 73377815302074

94 765779 765779 0 0 0 50000 50000 74547828302075

95 765779 765779 0 0 0 50000 50000 75573839702076

96 765779 765779 0 0 0 50000 50000 77517861302077

97 765779 765779 0 0 0 50000 50000 79416882402078

98 765779 765779 0 0 0 50000 50000 83790931002079

99 765779 765779 0 0 0 50000 50000 84600940002080

100 0 0 0 0 0 815779 815779 002081

Total 997843 299373 698470 4679184 3980714

Note: (1) The above Statements are based on certain assumptions, which are liable to change according to Government / Corporation's Policies.

Calculation includes Bonus and Final Additional Bonus as per present Rates.

(2) * Available Total Money.

(3) we are showing annual returns. in case of payment in arrears, half yearly installmant starts 6 months after maturity and yearly installment starts 1 year after

maturity. in case of payment in advance, yearly and half yearly installments starts immediately from maturity date.

(4) Please refer circular no: Actl / 2015 / 4 for details about settlement options.

(*) The above illustration gives an effective yield of 10.33% with tax benefit.

(*) The above illustration gives an effective yield of 7.55% without tax benefit.

(*) In Jeevan Anand (plan 149), The Normal Riskcover of Sum Assured will continue for life time.

The Accidental Riskcover of 2 times of Sum Assured will continue upto age 70.

(*) In Jeevan Saral (plan 165), Partial surrender allowed after 3 years. Please see description for details.

(*) In Plan 165, Loyalty Addition Is Also Given On Maturity depending upon experience of LIC.

A man is at his tallest when he stoops to help a child






Discounted Value of Claims

The following table shows the Discounted value of claims of all plans (except unit linked

plans) used in the presentation. LIC gives you facility of taking maturity any time in last

year before maturity date. The figures of 3 months before maturity, 6 months before

maturity, 9 months before maturity & one year before maturity is shown in following table.

Plan/

Tm/PPT

Premium Maturity

Date

3 Months

Before Mat

Maturity

Value

6 Months

Before Mat

9 Months

Before Mat

1 Year

Before Mat

802/15/15 25000 26/07/2026 702938720703 685605 668704 627222

147/30/30 4995 26/07/2041 00 0 0 -4995

159/26/18 7281 26/07/2037 192144197000 187406 182786 178281

165/25/25 12010 26/07/2036 9781911002913 954071 930553 895606

149/21/21 5345 26/07/2032 194582199500 189784 185106 175199

A hard thing about business is minding your own






Yield of RiskCover

The following table calculates yield of riskcover for each year. Riskcover is considered as return for respective year.

Number of premium is limited and handsome amount is payable so the yield becomes high. Yield for each year is

shown in following table.

Year Annual

Premium

RiskCover YieldReturns

2011 54631 766776 1310.010

2012 54631 795462 1262.760

2013 54631 824302 229.580

2014 54631 853301 104.000

2015 54631 882464 61.460

2016 54631 912180 41.120

2017 54631 941763 29.510

2018 54631 1065776 24.670

2019 54631 1095940 19.270

2020 54631 1126294 15.410

2021 54631 1184637 13.2719329

2022 54631 1260526 11.7611216

2023 54631 1344813 10.6612938

2024 54631 1433875 9.8214840

2025 54631 1529005 9.1816953

2026 29631 886403 8.69739753

2027 29631 903373 8.2821304

2028 29631 918529 7.9123735

2029 22350 931538 7.7346344

2030 22350 942524 7.4729155

2031 22350 1010858 7.4620000

2032 17005 960498 7.67199500

2033 17005 1012566 7.6430000

2034 17005 1067775 7.520

2035 17005 1126354 7.5030000

2036 4995 644735 7.19451338

2037 4995 373072 6.86197000

2038 4995 391721 6.830

2039 4995 411302 6.800

2040 4995 431862 6.780

2041 0 765779 7.4350000

2042 0 765779 7.4250000

2043 0 765779 7.4150000

2044 0 765779 7.4050000

2045 0 765779 7.3950000

2046 0 765779 7.3850000

2047 0 765779 7.3850000

2048 0 765779 7.3750000

2049 0 765779 7.3750000

the clearest mirror can not show the back






2050 0 765779 7.3650000

2051 0 765779 7.3650000

2052 0 765779 7.3550000

2053 0 765779 7.3550000

2054 0 765779 7.3450000

2055 0 765779 7.3450000

2056 0 765779 7.3450000

2057 0 765779 7.3350000

2058 0 765779 7.3350000

2059 0 765779 7.3350000

2060 0 765779 7.3250000

2061 0 765779 7.3250000

2062 0 765779 7.3250000

2063 0 765779 7.3250000

2064 0 765779 7.3250000

2065 0 765779 7.3150000

2066 0 765779 7.3150000

2067 0 765779 7.3150000

2068 0 765779 7.3150000

2069 0 765779 7.3150000

2070 0 765779 7.3150000

2071 0 765779 7.3150000

2072 0 765779 7.3150000

2073 0 765779 7.3150000

2074 0 765779 7.3050000

2075 0 765779 7.3050000

2076 0 765779 7.3050000

2077 0 765779 7.3050000

2078 0 765779 7.3050000

2079 0 765779 7.3050000

2080 0 765779 7.3050000

2081 0 0 7.30815779

Those who are at war with others are seldom with peace with themselves






Yield on Investment

The following table shows the breakup of the annual premium; premium towards risk cover, premium towards riders and

premium towards investments. The riskcover premium will be utilized to provide insurance riskcover. The riders premium

will be utilized to provide rider benefits in this presentation. The invested premium is the actual part of the premium which

is used for investment and gives returns during or at the end of the insurance period. The annual premium is the sum of

riskcover premium, riders premium and premium used for investment. The annual premium with the respective breakup

for each year is shown in the following table.

Year Annual

Premium

RiskCover

Premium

Invested

Premium

Riders

Premium

Returns

2011 54631 5571 48810250 0

2012 54631 5571 48810250 0

2013 54631 5571 48810250 0

2014 54631 5571 48810250 0

2015 54631 5571 48810250 0

2016 54631 5571 48810250 0

2017 54631 5571 48810250 0

2018 54631 5571 48810250 0

2019 54631 5571 48810250 0

2020 54631 5571 48810250 0

2021 54631 5571 48810250 19329

2022 54631 5571 48810250 11216

2023 54631 5571 48810250 12938

2024 54631 5571 48810250 14840

2025 54631 5571 48810250 16953

2026 29631 4447 24934250 739753

2027 29631 4447 24934250 21304

2028 29631 4447 24934250 23735

2029 22350 4098 18002250 46344

2030 22350 4098 18002250 29155

2031 22350 4098 18002250 20000

2032 17005 3764 12991250 199500

2033 17005 3764 12991250 30000

2034 17005 3764 12991250 0

2035 17005 3764 12991250 30000

2036 4995 2809 21860 451338

2037 4995 2809 21860 197000

2038 4995 2809 21860 0

2039 4995 2809 21860 0

2040 4995 2809 21860 0

2041 0 0 00 50000

2042 0 0 00 50000

2043 0 0 00 50000

2044 0 0 00 50000

2045 0 0 00 50000

2046 0 0 00 50000

The shortest way to do many things is to do one thing at a time






2047 0 0 00 50000

2048 0 0 00 50000

2049 0 0 00 50000

2050 0 0 00 50000

2051 0 0 00 50000

2052 0 0 00 50000

2053 0 0 00 50000

2054 0 0 00 50000

2055 0 0 00 50000

2056 0 0 00 50000

2057 0 0 00 50000

2058 0 0 00 50000

2059 0 0 00 50000

2060 0 0 00 50000

2061 0 0 00 50000

2062 0 0 00 50000

2063 0 0 00 50000

2064 0 0 00 50000

2065 0 0 00 50000

2066 0 0 00 50000

2067 0 0 00 50000

2068 0 0 00 50000

2069 0 0 00 50000

2070 0 0 00 50000

2071 0 0 00 50000

2072 0 0 00 50000

2073 0 0 00 50000

2074 0 0 00 50000

2075 0 0 00 50000

2076 0 0 00 50000

2077 0 0 00 50000

2078 0 0 00 50000

2079 0 0 00 50000

2080 0 0 00 50000

2081 0 0 00 815779

The effective yield of this presentation considering only invested premium

is 8.19

Jo Parivaar Se Kare Pyar Woh, L.I.C. Se Kaise Kare Inkar






Advance Premium Schedule

Year Annual

Premium

Adv. Prem

( 1 Year )

Adv. Prem

( 2 Years )

Adv. Prem

( 3 Years )

Adv. Prem

( 4 Years )

Adv. Prem

( 5 Years )

Adv. Prem

( 6 Years )

2011 54631 54631 106660 156212 203405 248350 291154

2012 54631 54631 0 0 0 0 0

2013 54631 54631 106660 0 0 0 0

2014 54631 54631 0 156212 0 0 0

2015 54631 54631 106660 0 203405 0 0

2016 54631 54631 0 0 0 248350 0

2017 54631 54631 106660 156212 0 0 291154

2018 54631 54631 0 0 0 0 0

2019 54631 54631 106660 0 203405 0 0

2020 54631 54631 0 156212 0 0 0

2021 54631 54631 106660 0 0 248350 0

2022 54631 54631 0 0 0 0 0

2023 54631 54631 106660 156212 181809 0 229403

2024 54631 54631 0 0 0 0 0

2025 54631 54631 82851 0 0 0 0

2026 29631 29631 0 84727 0 122421 0

2027 29631 29631 57851 0 97430 0 0

2028 29631 29631 0 0 0 0 0

2029 22350 22350 43636 63908 0 0 105911

2030 22350 22350 0 0 0 0 0

2031 22350 22350 38545 0 68659 82649 0

2032 17005 17005 0 48624 0 0 0

2033 17005 17005 33200 0 0 0 0

2034 17005 17005 0 0 0 0 0

2035 17005 17005 21762 26293 30608 0 38631

2036 4995 4995 0 0 0 22707 0

2037 4995 4995 9752 0 0 0 0

2038 4995 4995 0 14283 0 0 0

2039 4995 4995 9752 0 9752 0 0

2040 4995 4995 0 0 0 0 0

1068403 1068403 1043973 1018897 998472 972827 956254Total:

The above table shows facility of advance premiums. Client can pay premiums in 6 ways.

Adv. Premium ( 1 Year ) :- It indicates premiums of 1 year are paid in advance. For yearly mode it is 1 installments and

for half yearly mode it is 2 installments.

Adv. Premium ( 2 Years ) :- It indicates premiums of 2 years are paid in advance. For yearly mode it is 2 installments

and for half yearly mode it is 4 installments. Same is the case with other options.

Adv. Premium ( 6 Years ) is possible only for yearly mode. 1 present + 5 future yearly installments.

What now is proved was once only imagined






Unit Table

The figures in following Table are calculated making following assumptions.

Fund Type:- Growth Fund.

Current NAV:- 10.00.

Growth Rate:- 10.00%.

Bid Price = Current NAV.

Mortality charges, Accident cover charges and expense charges are deducted from premium.

These are recovered by selling equivalent amount of units in case of single premium.

Total

Unit

Value

Year Annual

Premium

NAV

Balanced Purchased Deducted

SurrenderU n i t sTop Up Partial

Surrender

2194.39 206272011 25000 10.00 0.00 2194.39 00.000 0

4263.84 454762012 25000 10.90 2194.39 2069.45 00.000 0

6160.20 721832013 25000 11.88 4263.84 1896.36 00.000 0

7897.04 1017672014 25000 12.95 6160.20 1736.84 00.000 0

9486.78 1339532015 25000 14.12 7897.04 1589.74 00.000 0

10974.61 1688992016 25000 15.39 9486.78 1487.83 00.000 0

12335.51 2069902017 25000 16.78 10974.61 1360.90 00.000 0

13579.53 2485052018 25000 18.30 12335.51 1244.02 00.000 0

14716.72 2935992019 25000 19.95 13579.53 1137.19 00.000 0

15755.80 3426892020 25000 21.75 14716.72 1039.08 00.000 0

16704.28 3960582021 25000 23.71 15755.80 948.48 00.000 0

17569.90 4541822022 25000 25.85 16704.28 865.62 00.000 0

18360.38 5173962023 25000 28.18 17569.90 790.48 00.000 0

19081.96 5861982024 25000 30.72 18360.38 721.58 00.000 0

19739.87 6610882025 25000 33.49 19081.96 657.91 00.000 0

19739.87 7207032026 0 36.51 19739.87 0.00 00.000 0

When you live in the past it costs you the present






Partial

Surrender

Top UpAnnual

Premium

Age Cash

Value

Death

Benefit

Fund Value

(Year End)

Total

Charges

Fund Value

(Year Begin)

Year

Growth of Growth Fund under scenario 10.00%

2011 30 25000 21738 3056 20627 0 4000000 0

2012 31 25000 43377 2443 45476 0 4000000 0

2013 32 25000 68226 2471 72183 0 4000000 0

2014 33 25000 95433 2508 101767 0 4000000 0

2015 34 25000 125517 2553 133953 0 4000000 0

2016 35 25000 158203 2102 168899 0 4000000 0

2017 36 25000 193149 2164 206990 0 4000000 0

2018 37 25000 231240 2234 248505 0 4000000 0

2019 38 25000 272755 2313 293599 0 4000000 0

2020 39 25000 317849 2400 342689 0 4000000 0

2021 40 25000 366939 2512 396058 0 4000000 0

2022 41 25000 420308 2624 454182 0 4541820 0

2023 42 25000 478432 2724 517396 0 5173960 0

2024 43 25000 541646 2833 586198 0 5861980 0

2025 44 25000 610448 2967 661088 0 6610880 0

2026 45 0 661088 0 720703 0 00 0

Annuity Benefits

If Maturity of following Vested Plans is invested in LIC's Jeevan Akshay then Life Assured will get the benefits given

in following table.

Plan

(Purchased)

Annuity Option Amount

Invested

Pension Amount

On Death Amount Pension

On CommutationYear Plan

(Vested)

Annuity

Mode

189 Return of purchase

price

665779 16644550000 665779 373752041 147 Yly

When in doubt, tell the truth






Other ChargesRisk Charges

Critical IllnessAcc CoverLife Cover/HCB*

Admin

Charges

AmtAmtAmtRateAge Policy

Charges

TotalFlat

Fee

Allocation

Charges

Service

Tax

RateRateYear

Charges Details of Growth Fund ( Growth Rate: 10.00)

2011 30 1.46 584 0.50 200 0.00 0 37 1875 0 0 360 3056

2012 31 1.46 584 0.50 200 0.00 0 38 1250 0 0 371 2443

2013 32 1.50 600 0.50 200 0.00 0 39 1250 0 0 382 2471

2014 33 1.56 624 0.50 200 0.00 0 41 1250 0 0 393 2508

2015 34 1.64 656 0.50 200 0.00 0 42 1250 0 0 405 2553

2016 35 1.73 692 0.50 200 0.00 0 43 750 0 0 417 2102

2017 36 1.85 740 0.50 200 0.00 0 44 750 0 0 430 2164

2018 37 1.99 796 0.50 200 0.00 0 46 750 0 0 443 2234

2019 38 2.15 860 0.50 200 0.00 0 47 750 0 0 456 2313

2020 39 2.33 932 0.50 200 0.00 0 48 750 0 0 470 2400

2021 40 2.57 1028 0.50 200 0.00 0 50 750 0 0 484 2512

2022 41 2.81 1124 0.50 200 0.00 0 51 750 0 0 498 2624

2023 42 3.02 1208 0.50 200 0.00 0 53 750 0 0 513 2724

2024 43 3.25 1300 0.50 200 0.00 0 54 750 0 0 529 2833

2025 44 3.54 1416 0.50 200 0.00 0 56 750 0 0 545 2967

2026 45 3.54 0 0.50 0 0.00 0 0 0 0 0 0 0

Today's beautiful moments are tomorrow's beautiful memories






Medical Requirements

Following table shows medical tests required.

Life Assured Total SUC Medical Tests

Rajesh Chaudhary 750000 Medical Tests Not Neccessary

Ayush R Chaudhary 100000 Medical Tests Not Neccessary

Please Note: The above tests is based on chart of medical test received from LIC.

Breakup of Returns

Sum Assured & Survival's 600000

Bonus 94500

Final Additional Bonus 5000

Guranted Addition 549920

Loyalty Addition 649993

Unit Value 720703

22.90%

SumAssured

3.61% Bonus0.19%FAB

20.99%

GA

24.81%

LA

27.51%

UnitValue

He who blames others has a long way to go on his journey.

Life Insurance Corporation of India -...

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