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,
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.
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 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.
8. Backdating of policy is allowed.
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.
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 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.
6. Backdating of policy is allowed.
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.
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 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.
8. Backdating of policy is allowed.
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
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 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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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.
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