Mission
Content
Mr Rajesh Chaudhary
Life Insurance Corporation of India
Every 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 & Vision
Mission:
“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,
Name: Mr Rajesh Chaudhary
Age: 30
Date: 26/07/2011
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,
Name: Mr Rajesh Chaudhary
Age: 30
Date: 26/07/2011
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.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
Maturity Benefit:
1) Maturity Sum Assured Plus
2) Loyalty addition
Death Benefit:
1) 250 times the monthly premium plus
2) Return of premiums excluding first year and extra premiums plus
3) Loyalty addition
Only term assurance plan allowed to minors.
Extended risk cover of 1year (similar to table no 91) if 3 full years premiums are paid.
Double Accident Benefit :- On death due to accident extra sum assured would be payable.
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 .
Term Rider Benefit is available for extra risk cover on natural death. This benefit is available
at extra cost.
Backdating of policy is allowed.
Policy Loan is available.
Policy can be surrendered after a period of 3 years.
The policy holder can choose a maximum term but can surrender at any time.
Partial surrender allowed after 3 years
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,
Name: Mr Rajesh Chaudhary
Age: 30
Date: 26/07/2011
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.
2.
3.
4.
5.
6.
7.
8.
This is a “Money Back” type of policy with the PPT limited to the child age of 18 years.
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.
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.
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”
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.
Backdating of policy is allowed.
Policy can be surrendered for its paid-up value after a period of 3 years.
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,
Name: Mr Rajesh Chaudhary
Age: 30
Date: 26/07/2011
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,
Name: Mr Rajesh Chaudhary
Age: 30
Date: 26/07/2011
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,
Name: Mr Rajesh Chaudhary
Age: 30
Date: 26/07/2011
Presentation Details
Plan
149
165
159
147
802
Plan Name
Term
/ PPT
Sum
Assured
Jeevan Anand
Jeevan Saral
Komal Jeevan
New Jeevan Suraksha-1
Endowment Plus
21/21
25/25
26/18
30/30
15/15
100000
250000
100000
665779
400000
Total:
Bonus Mode
45
0
75
35
0
*Premium
Total
Prem's Paid
Maturity
Year
Maturity
Amount
5345
12010
7281
4995
25000
112245
229690
131058
149850
375000
2032
2036
2037
2041
2026
199500
1002913
197000
0
720703
54631
997843
Yly
Yly
Yly
Yly
Yly
1515779
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. DOC
No.
Pn / Tm /
PPT
Sum
Assured
Mode
Yearly
Half Yearly
Quaterly
Monthly
SSS
Single
Per Day
No of
Inst.
1 26/07/2011
149/21/21
100000
5345
2714
1378
482
459
0
14.64
0
2 26/07/2011
165/25/25
250000
12010
6065
3063
1021
1021
0
32.90
0
3 26/07/2011
159/26/18
100000
7281
3678
1858
650
619
73980
19.95
0
4 26/07/2011
147/30/30
665779
7675
1946
491
55
55
106877
21.03
0
5 26/07/2011
802/15/15
400000
25000
12500
6250
2083
0
500000
68.49
0
57311
26903
13040
4291
2154
680857
157.02
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
Premium
Back Dating
Extra
26/07/2011
802 26/07/2011
25000
0
26/07/2011
147 26/07/2011
4995
0
26/07/2011
159 26/07/2011
7281
0
26/07/2011
165 26/07/2011
12010
0
26/07/2011
149 26/07/2011
5345
0
There is no substitute for Life Insurance
Reason
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,
Name: Mr Rajesh Chaudhary
Age: 30
Date: 26/07/2011
Commission
Sr.
No.
Plan / Term / PPT
Mode
Sum
Assured
Premium
1st Year
Commission
2nd / 3rd Year
Commission
Subsequent
Year Comm
1st Year
Bonus
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,
Name: Mr Rajesh Chaudhary
Age: 30
Date: 26/07/2011
Return's Spreadsheet
Tax Slab: 30%
Year
Age
Normal
Lifecover
Accident
Lifecover
Annual
Premium
Tax
Saved
Net
Premium
Returns
from LIC
Net Returns
Surrender
Value
Total Loan
Available
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
2027
2028
2029
2030
2031
2032
2033
2034
2035
2036
2037
2038
2039
2040
2041
2042
2043
2044
2045
2046
2047
2048
2049
2050
2051
2052
2053
2054
2055
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
766776
795462
824302
853301
882464
912180
941763
1065776
1095940
1126294
1184637
1260526
1344813
1433875
1529005
886403
903373
918529
931538
942524
1010858
960498
1012566
1067775
1126354
644735
373072
391721
411302
431862
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
1516776
1545462
1574302
1603301
1632464
1662180
1691763
1815776
1845940
1876294
1934637
1956344
1977418
1997677
2017917
1236403
1253373
1268529
1281538
1292524
1360858
1310498
1362566
1417775
1476354
744735
473072
491721
511302
531862
865779
865779
865779
865779
865779
865779
865779
865779
865779
865779
765779
765779
765779
765779
765779
54631
54631
54631
54631
54631
54631
54631
54631
54631
54631
53455
52867
52279
51691
51103
25515
24927
24339
16470
15882
15882
10537
10537
10537
10537
4995
4995
4995
4995
4995
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
16390
16390
16390
16390
16390
16390
16390
16390
16390
16390
16037
15861
15684
15508
15332
7655
7479
7302
4942
4766
4766
3162
3162
3162
3162
1499
1499
1499
1499
1499
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
38241
38241
38241
38241
38241
38241
38241
38241
38241
38241
37418
37006
36595
36183
35771
17860
17448
17037
11528
11116
11116
7375
7375
7375
7375
3496
3496
3496
3496
3496
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
19329
11216
12938
14840
16953
739753
21304
23735
46344
29155
20000
199500
30000
0
30000
451338
197000
0
0
0
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
-38241
-38241
-38241
-38241
-38241
-38241
-38241
-38241
-38241
-38241
-18089
-25790
-23657
-21343
-18818
721893
3856
6698
34816
18039
8884
192125
22625
-7375
22625
447842
193504
-3496
-3496
-3496
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
0
0
46861
75592
104761
300398
370330
451984
529276
613426
753562
854062
960946
1075443
1198230
583994
632338
682225
713540
755712
832572
719994
770469
848820
911505
543385
411485
445008
480241
517082
37360
38880
40400
41940
43490
45030
46620
48180
49740
51300
52850
54390
55920
57430
58920
0
0
22288
68732
94696
119301
145798
174346
205129
238652
318787
359099
400795
444546
490563
313205
333740
354695
374956
394515
441705
313270
343131
375044
409578
27126
28377
29655
30960
32283
33624
34992
36360
37746
39141
40527
41958
43362
44766
46170
47565
48951
50328
51687
53028
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,
Name: Mr Rajesh Chaudhary
2056
2057
2058
2059
2060
2061
2062
2063
2064
2065
2066
2067
2068
2069
2070
2071
2072
2073
2074
2075
2076
2077
2078
2079
2080
2081
Total
Note: (1)
(2)
(3)
(4)
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
0
Age: 30
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
0
Date: 26/07/2011
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
815779
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
815779
997843
299373
698470
4679184
3980714
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.
* Available Total Money.
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.
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
60380
61820
63240
64620
65980
67300
68580
69830
71040
72210
73350
74440
75500
76520
77540
78520
79520
80510
81530
82830
83970
86130
88240
93100
94000
0
54342
55638
56916
58158
59382
60570
61722
62847
63936
64989
66015
66996
67950
68868
69786
70668
71568
72459
73377
74547
75573
77517
79416
83790
84600
0
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,
Name: Mr Rajesh Chaudhary
Age: 30
Date: 26/07/2011
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
Maturity
Value
3 Months
Before Mat
6 Months
Before Mat
9 Months
Before Mat
1 Year
Before Mat
802/15/15
25000
26/07/2026
720703
702938
685605
668704
627222
147/30/30
4995
26/07/2041
0
0
0
0
-4995
159/26/18
7281
26/07/2037
197000
192144
187406
182786
178281
165/25/25
12010
26/07/2036
1002913
978191
954071
930553
895606
149/21/21
5345
26/07/2032
199500
194582
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,
Name: Mr Rajesh Chaudhary
Age: 30
Date: 26/07/2011
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
Returns
Yield
2011
54631
766776
0
1310.01
2012
54631
795462
0
1262.76
2013
54631
824302
0
229.58
2014
54631
853301
0
104.00
2015
54631
882464
0
61.46
2016
54631
912180
0
41.12
2017
54631
941763
0
29.51
2018
54631
1065776
0
24.67
2019
54631
1095940
0
19.27
2020
54631
1126294
0
15.41
2021
54631
1184637
19329
13.27
2022
54631
1260526
11216
11.76
2023
54631
1344813
12938
10.66
2024
54631
1433875
14840
9.82
2025
54631
1529005
16953
9.18
2026
29631
886403
739753
8.69
2027
29631
903373
21304
8.28
2028
29631
918529
23735
7.91
2029
22350
931538
46344
7.73
2030
22350
942524
29155
7.47
2031
22350
1010858
20000
7.46
2032
17005
960498
199500
7.67
2033
17005
1012566
30000
7.64
2034
17005
1067775
0
7.52
2035
17005
1126354
30000
7.50
2036
4995
644735
451338
7.19
2037
4995
373072
197000
6.86
2038
4995
391721
0
6.83
2039
4995
411302
0
6.80
2040
4995
431862
0
6.78
2041
0
765779
50000
7.43
2042
0
765779
50000
7.42
2043
0
765779
50000
7.41
2044
0
765779
50000
7.40
2045
0
765779
50000
7.39
2046
0
765779
50000
7.38
2047
0
765779
50000
7.38
2048
0
765779
50000
7.37
2049
0
765779
50000
7.37
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,
Name: Mr Rajesh Chaudhary
Age: 30
Date: 26/07/2011
2050
0
765779
50000
7.36
2051
0
765779
50000
7.36
2052
0
765779
50000
7.35
2053
0
765779
50000
7.35
2054
0
765779
50000
7.34
2055
0
765779
50000
7.34
2056
0
765779
50000
7.34
2057
0
765779
50000
7.33
2058
0
765779
50000
7.33
2059
0
765779
50000
7.33
2060
0
765779
50000
7.32
2061
0
765779
50000
7.32
2062
0
765779
50000
7.32
2063
0
765779
50000
7.32
2064
0
765779
50000
7.32
2065
0
765779
50000
7.31
2066
0
765779
50000
7.31
2067
0
765779
50000
7.31
2068
0
765779
50000
7.31
2069
0
765779
50000
7.31
2070
0
765779
50000
7.31
2071
0
765779
50000
7.31
2072
0
765779
50000
7.31
2073
0
765779
50000
7.31
2074
0
765779
50000
7.30
2075
0
765779
50000
7.30
2076
0
765779
50000
7.30
2077
0
765779
50000
7.30
2078
0
765779
50000
7.30
2079
0
765779
50000
7.30
2080
0
765779
50000
7.30
2081
0
0
815779
7.30
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,
Name: Mr Rajesh Chaudhary
Age: 30
Date: 26/07/2011
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
Riders
Premium
Invested
Premium
Returns
2011
54631
5571
250
48810
0
2012
54631
5571
250
48810
0
2013
54631
5571
250
48810
0
2014
54631
5571
250
48810
0
2015
54631
5571
250
48810
0
2016
54631
5571
250
48810
0
2017
54631
5571
250
48810
0
2018
54631
5571
250
48810
0
2019
54631
5571
250
48810
0
2020
54631
5571
250
48810
0
2021
54631
5571
250
48810
19329
2022
54631
5571
250
48810
11216
2023
54631
5571
250
48810
12938
2024
54631
5571
250
48810
14840
2025
54631
5571
250
48810
16953
2026
29631
4447
250
24934
739753
2027
29631
4447
250
24934
21304
2028
29631
4447
250
24934
23735
2029
22350
4098
250
18002
46344
2030
22350
4098
250
18002
29155
2031
22350
4098
250
18002
20000
2032
17005
3764
250
12991
199500
2033
17005
3764
250
12991
30000
2034
17005
3764
250
12991
0
2035
17005
3764
250
12991
30000
2036
4995
2809
0
2186
451338
2037
4995
2809
0
2186
197000
2038
4995
2809
0
2186
0
2039
4995
2809
0
2186
0
2040
4995
2809
0
2186
0
2041
0
0
0
0
50000
2042
0
0
0
0
50000
2043
0
0
0
0
50000
2044
0
0
0
0
50000
2045
0
0
0
0
50000
2046
0
0
0
0
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,
Name: Mr Rajesh Chaudhary
Age: 30
Date: 26/07/2011
2047
0
0
0
0
50000
2048
0
0
0
0
50000
2049
0
0
0
0
50000
2050
0
0
0
0
50000
2051
0
0
0
0
50000
2052
0
0
0
0
50000
2053
0
0
0
0
50000
2054
0
0
0
0
50000
2055
0
0
0
0
50000
2056
0
0
0
0
50000
2057
0
0
0
0
50000
2058
0
0
0
0
50000
2059
0
0
0
0
50000
2060
0
0
0
0
50000
2061
0
0
0
0
50000
2062
0
0
0
0
50000
2063
0
0
0
0
50000
2064
0
0
0
0
50000
2065
0
0
0
0
50000
2066
0
0
0
0
50000
2067
0
0
0
0
50000
2068
0
0
0
0
50000
2069
0
0
0
0
50000
2070
0
0
0
0
50000
2071
0
0
0
0
50000
2072
0
0
0
0
50000
2073
0
0
0
0
50000
2074
0
0
0
0
50000
2075
0
0
0
0
50000
2076
0
0
0
0
50000
2077
0
0
0
0
50000
2078
0
0
0
0
50000
2079
0
0
0
0
50000
2080
0
0
0
0
50000
2081
0
0
0
0
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,
Name: Mr Rajesh Chaudhary
Age: 30
Date: 26/07/2011
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
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
2027
2028
2029
2030
2031
2032
2033
2034
2035
2036
2037
2038
2039
2040
54631
54631
54631
54631
54631
54631
54631
54631
54631
54631
54631
54631
54631
54631
54631
29631
29631
29631
22350
22350
22350
17005
17005
17005
17005
4995
4995
4995
4995
4995
54631
54631
54631
54631
54631
54631
54631
54631
54631
54631
54631
54631
54631
54631
54631
29631
29631
29631
22350
22350
22350
17005
17005
17005
17005
4995
4995
4995
4995
4995
106660
0
106660
0
106660
0
106660
0
106660
0
106660
0
106660
0
82851
0
57851
0
43636
0
38545
0
33200
0
21762
0
9752
0
9752
0
156212
0
0
156212
0
0
156212
0
0
156212
0
0
156212
0
0
84727
0
0
63908
0
0
48624
0
0
26293
0
0
14283
0
0
203405
0
0
0
203405
0
0
0
203405
0
0
0
181809
0
0
0
97430
0
0
0
68659
0
0
0
30608
0
0
0
9752
0
248350
0
0
0
0
248350
0
0
0
0
248350
0
0
0
0
122421
0
0
0
0
82649
0
0
0
0
22707
0
0
0
0
291154
0
0
0
0
0
291154
0
0
0
0
0
229403
0
0
0
0
0
105911
0
0
0
0
0
38631
0
0
0
0
0
Total:
1068403
1068403
1043973
1018897
998472
972827
956254
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,
Name: Mr Rajesh Chaudhary
Age: 30
Date: 26/07/2011
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.
Year
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
Annual
Premium
Top Up
25000
25000
25000
25000
25000
25000
25000
25000
25000
25000
25000
25000
25000
25000
25000
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
U n i t s
NAV
10.00
10.90
11.88
12.95
14.12
15.39
16.78
18.30
19.95
21.75
23.71
25.85
28.18
30.72
33.49
36.51
Purchased
Deducted
Total
Unit
Value
Surrender
Balanced
Partial
Surrender
0.00
2194.39
4263.84
6160.20
7897.04
9486.78
10974.61
12335.51
13579.53
14716.72
15755.80
16704.28
17569.90
18360.38
19081.96
19739.87
2194.39
2069.45
1896.36
1736.84
1589.74
1487.83
1360.90
1244.02
1137.19
1039.08
948.48
865.62
790.48
721.58
657.91
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
2194.39
4263.84
6160.20
7897.04
9486.78
10974.61
12335.51
13579.53
14716.72
15755.80
16704.28
17569.90
18360.38
19081.96
19739.87
19739.87
20627
45476
72183
101767
133953
168899
206990
248505
293599
342689
396058
454182
517396
586198
661088
720703
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
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,
Name: Mr Rajesh Chaudhary
Age: 30
Date: 26/07/2011
Growth of Growth Fund under scenario 10.00%
Year
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
Age
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
Annual
Premium
Top Up
Fund Value
(Year Begin)
Total
Charges
Fund Value
(Year End)
Cash
Value
Partial
Surrender
Death
Benefit
25000
25000
25000
25000
25000
25000
25000
25000
25000
25000
25000
25000
25000
25000
25000
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
21738
43377
68226
95433
125517
158203
193149
231240
272755
317849
366939
420308
478432
541646
610448
661088
3056
2443
2471
2508
2553
2102
2164
2234
2313
2400
2512
2624
2724
2833
2967
0
20627
45476
72183
101767
133953
168899
206990
248505
293599
342689
396058
454182
517396
586198
661088
720703
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
400000
400000
400000
400000
400000
400000
400000
400000
400000
400000
400000
454182
517396
586198
661088
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.
Year
2041
Plan
(Vested)
Plan
(Purchased)
147
189
Annuity Option
Return of purchase
price
Amount
Invested
Annuity
Mode
Pension
665779
Yly
50000
When in doubt, tell the truth
Amount
On Death
665779
On Commutation
Amount
Pension
166445
37375
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,
Name: Mr Rajesh Chaudhary
Age: 30
Date: 26/07/2011
Charges Details of Growth Fund ( Growth Rate: 10.00)
Risk Charges
Life Cover/HCB*
Year
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
Acc Cover
Other Charges
Critical Illness
Age
Rate
Amt
Rate
Amt
Rate
Amt
Service
Tax
Allocation
Charges
Flat
Fee
Admin
Charges
Policy
Charges
Total
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
1.46
1.46
1.50
1.56
1.64
1.73
1.85
1.99
2.15
2.33
2.57
2.81
3.02
3.25
3.54
3.54
584
584
600
624
656
692
740
796
860
932
1028
1124
1208
1300
1416
0
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
200
200
200
200
200
200
200
200
200
200
200
200
200
200
200
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
37
38
39
41
42
43
44
46
47
48
50
51
53
54
56
0
1875
1250
1250
1250
1250
750
750
750
750
750
750
750
750
750
750
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
360
371
382
393
405
417
430
443
456
470
484
498
513
529
545
0
3056
2443
2471
2508
2553
2102
2164
2234
2313
2400
2512
2624
2724
2833
2967
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,
Name: Mr Rajesh Chaudhary
Age: 30
Date: 26/07/2011
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
UnitValue
27.51%
Sum Assured & Survival's
Bonus
Final Additional Bonus
Guranted Addition
Loyalty Addition
Unit Value
600000
94500
5000
549920
649993
720703
22.90%
Bonus
FAB
3.61%
0.19%
24.81%
20.99%
LA
He who blames others has a long way to go on his journey.
GA
Life Insurance Corporation of India
Every 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 & Vision
Mission:
“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,
Name: Mr Rajesh Chaudhary
Age: 30
Date: 26/07/2011
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,
Name: Mr Rajesh Chaudhary
Age: 30
Date: 26/07/2011
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.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
Maturity Benefit:
1) Maturity Sum Assured Plus
2) Loyalty addition
Death Benefit:
1) 250 times the monthly premium plus
2) Return of premiums excluding first year and extra premiums plus
3) Loyalty addition
Only term assurance plan allowed to minors.
Extended risk cover of 1year (similar to table no 91) if 3 full years premiums are paid.
Double Accident Benefit :- On death due to accident extra sum assured would be payable.
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 .
Term Rider Benefit is available for extra risk cover on natural death. This benefit is available
at extra cost.
Backdating of policy is allowed.
Policy Loan is available.
Policy can be surrendered after a period of 3 years.
The policy holder can choose a maximum term but can surrender at any time.
Partial surrender allowed after 3 years
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,
Name: Mr Rajesh Chaudhary
Age: 30
Date: 26/07/2011
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.
2.
3.
4.
5.
6.
7.
8.
This is a “Money Back” type of policy with the PPT limited to the child age of 18 years.
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.
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.
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”
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.
Backdating of policy is allowed.
Policy can be surrendered for its paid-up value after a period of 3 years.
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,
Name: Mr Rajesh Chaudhary
Age: 30
Date: 26/07/2011
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,
Name: Mr Rajesh Chaudhary
Age: 30
Date: 26/07/2011
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,
Name: Mr Rajesh Chaudhary
Age: 30
Date: 26/07/2011
Presentation Details
Plan
149
165
159
147
802
Plan Name
Term
/ PPT
Sum
Assured
Jeevan Anand
Jeevan Saral
Komal Jeevan
New Jeevan Suraksha-1
Endowment Plus
21/21
25/25
26/18
30/30
15/15
100000
250000
100000
665779
400000
Total:
Bonus Mode
45
0
75
35
0
*Premium
Total
Prem's Paid
Maturity
Year
Maturity
Amount
5345
12010
7281
4995
25000
112245
229690
131058
149850
375000
2032
2036
2037
2041
2026
199500
1002913
197000
0
720703
54631
997843
Yly
Yly
Yly
Yly
Yly
1515779
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. DOC
No.
Pn / Tm /
PPT
Sum
Assured
Mode
Yearly
Half Yearly
Quaterly
Monthly
SSS
Single
Per Day
No of
Inst.
1 26/07/2011
149/21/21
100000
5345
2714
1378
482
459
0
14.64
0
2 26/07/2011
165/25/25
250000
12010
6065
3063
1021
1021
0
32.90
0
3 26/07/2011
159/26/18
100000
7281
3678
1858
650
619
73980
19.95
0
4 26/07/2011
147/30/30
665779
7675
1946
491
55
55
106877
21.03
0
5 26/07/2011
802/15/15
400000
25000
12500
6250
2083
0
500000
68.49
0
57311
26903
13040
4291
2154
680857
157.02
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
Premium
Back Dating
Extra
26/07/2011
802 26/07/2011
25000
0
26/07/2011
147 26/07/2011
4995
0
26/07/2011
159 26/07/2011
7281
0
26/07/2011
165 26/07/2011
12010
0
26/07/2011
149 26/07/2011
5345
0
There is no substitute for Life Insurance
Reason
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,
Name: Mr Rajesh Chaudhary
Age: 30
Date: 26/07/2011
Commission
Sr.
No.
Plan / Term / PPT
Mode
Sum
Assured
Premium
1st Year
Commission
2nd / 3rd Year
Commission
Subsequent
Year Comm
1st Year
Bonus
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,
Name: Mr Rajesh Chaudhary
Age: 30
Date: 26/07/2011
Return's Spreadsheet
Tax Slab: 30%
Year
Age
Normal
Lifecover
Accident
Lifecover
Annual
Premium
Tax
Saved
Net
Premium
Returns
from LIC
Net Returns
Surrender
Value
Total Loan
Available
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
2027
2028
2029
2030
2031
2032
2033
2034
2035
2036
2037
2038
2039
2040
2041
2042
2043
2044
2045
2046
2047
2048
2049
2050
2051
2052
2053
2054
2055
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
766776
795462
824302
853301
882464
912180
941763
1065776
1095940
1126294
1184637
1260526
1344813
1433875
1529005
886403
903373
918529
931538
942524
1010858
960498
1012566
1067775
1126354
644735
373072
391721
411302
431862
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
1516776
1545462
1574302
1603301
1632464
1662180
1691763
1815776
1845940
1876294
1934637
1956344
1977418
1997677
2017917
1236403
1253373
1268529
1281538
1292524
1360858
1310498
1362566
1417775
1476354
744735
473072
491721
511302
531862
865779
865779
865779
865779
865779
865779
865779
865779
865779
865779
765779
765779
765779
765779
765779
54631
54631
54631
54631
54631
54631
54631
54631
54631
54631
53455
52867
52279
51691
51103
25515
24927
24339
16470
15882
15882
10537
10537
10537
10537
4995
4995
4995
4995
4995
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
16390
16390
16390
16390
16390
16390
16390
16390
16390
16390
16037
15861
15684
15508
15332
7655
7479
7302
4942
4766
4766
3162
3162
3162
3162
1499
1499
1499
1499
1499
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
38241
38241
38241
38241
38241
38241
38241
38241
38241
38241
37418
37006
36595
36183
35771
17860
17448
17037
11528
11116
11116
7375
7375
7375
7375
3496
3496
3496
3496
3496
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
19329
11216
12938
14840
16953
739753
21304
23735
46344
29155
20000
199500
30000
0
30000
451338
197000
0
0
0
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
-38241
-38241
-38241
-38241
-38241
-38241
-38241
-38241
-38241
-38241
-18089
-25790
-23657
-21343
-18818
721893
3856
6698
34816
18039
8884
192125
22625
-7375
22625
447842
193504
-3496
-3496
-3496
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
0
0
46861
75592
104761
300398
370330
451984
529276
613426
753562
854062
960946
1075443
1198230
583994
632338
682225
713540
755712
832572
719994
770469
848820
911505
543385
411485
445008
480241
517082
37360
38880
40400
41940
43490
45030
46620
48180
49740
51300
52850
54390
55920
57430
58920
0
0
22288
68732
94696
119301
145798
174346
205129
238652
318787
359099
400795
444546
490563
313205
333740
354695
374956
394515
441705
313270
343131
375044
409578
27126
28377
29655
30960
32283
33624
34992
36360
37746
39141
40527
41958
43362
44766
46170
47565
48951
50328
51687
53028
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,
Name: Mr Rajesh Chaudhary
2056
2057
2058
2059
2060
2061
2062
2063
2064
2065
2066
2067
2068
2069
2070
2071
2072
2073
2074
2075
2076
2077
2078
2079
2080
2081
Total
Note: (1)
(2)
(3)
(4)
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
0
Age: 30
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
765779
0
Date: 26/07/2011
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
815779
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
50000
815779
997843
299373
698470
4679184
3980714
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.
* Available Total Money.
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.
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
60380
61820
63240
64620
65980
67300
68580
69830
71040
72210
73350
74440
75500
76520
77540
78520
79520
80510
81530
82830
83970
86130
88240
93100
94000
0
54342
55638
56916
58158
59382
60570
61722
62847
63936
64989
66015
66996
67950
68868
69786
70668
71568
72459
73377
74547
75573
77517
79416
83790
84600
0
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,
Name: Mr Rajesh Chaudhary
Age: 30
Date: 26/07/2011
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
Maturity
Value
3 Months
Before Mat
6 Months
Before Mat
9 Months
Before Mat
1 Year
Before Mat
802/15/15
25000
26/07/2026
720703
702938
685605
668704
627222
147/30/30
4995
26/07/2041
0
0
0
0
-4995
159/26/18
7281
26/07/2037
197000
192144
187406
182786
178281
165/25/25
12010
26/07/2036
1002913
978191
954071
930553
895606
149/21/21
5345
26/07/2032
199500
194582
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,
Name: Mr Rajesh Chaudhary
Age: 30
Date: 26/07/2011
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
Returns
Yield
2011
54631
766776
0
1310.01
2012
54631
795462
0
1262.76
2013
54631
824302
0
229.58
2014
54631
853301
0
104.00
2015
54631
882464
0
61.46
2016
54631
912180
0
41.12
2017
54631
941763
0
29.51
2018
54631
1065776
0
24.67
2019
54631
1095940
0
19.27
2020
54631
1126294
0
15.41
2021
54631
1184637
19329
13.27
2022
54631
1260526
11216
11.76
2023
54631
1344813
12938
10.66
2024
54631
1433875
14840
9.82
2025
54631
1529005
16953
9.18
2026
29631
886403
739753
8.69
2027
29631
903373
21304
8.28
2028
29631
918529
23735
7.91
2029
22350
931538
46344
7.73
2030
22350
942524
29155
7.47
2031
22350
1010858
20000
7.46
2032
17005
960498
199500
7.67
2033
17005
1012566
30000
7.64
2034
17005
1067775
0
7.52
2035
17005
1126354
30000
7.50
2036
4995
644735
451338
7.19
2037
4995
373072
197000
6.86
2038
4995
391721
0
6.83
2039
4995
411302
0
6.80
2040
4995
431862
0
6.78
2041
0
765779
50000
7.43
2042
0
765779
50000
7.42
2043
0
765779
50000
7.41
2044
0
765779
50000
7.40
2045
0
765779
50000
7.39
2046
0
765779
50000
7.38
2047
0
765779
50000
7.38
2048
0
765779
50000
7.37
2049
0
765779
50000
7.37
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,
Name: Mr Rajesh Chaudhary
Age: 30
Date: 26/07/2011
2050
0
765779
50000
7.36
2051
0
765779
50000
7.36
2052
0
765779
50000
7.35
2053
0
765779
50000
7.35
2054
0
765779
50000
7.34
2055
0
765779
50000
7.34
2056
0
765779
50000
7.34
2057
0
765779
50000
7.33
2058
0
765779
50000
7.33
2059
0
765779
50000
7.33
2060
0
765779
50000
7.32
2061
0
765779
50000
7.32
2062
0
765779
50000
7.32
2063
0
765779
50000
7.32
2064
0
765779
50000
7.32
2065
0
765779
50000
7.31
2066
0
765779
50000
7.31
2067
0
765779
50000
7.31
2068
0
765779
50000
7.31
2069
0
765779
50000
7.31
2070
0
765779
50000
7.31
2071
0
765779
50000
7.31
2072
0
765779
50000
7.31
2073
0
765779
50000
7.31
2074
0
765779
50000
7.30
2075
0
765779
50000
7.30
2076
0
765779
50000
7.30
2077
0
765779
50000
7.30
2078
0
765779
50000
7.30
2079
0
765779
50000
7.30
2080
0
765779
50000
7.30
2081
0
0
815779
7.30
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,
Name: Mr Rajesh Chaudhary
Age: 30
Date: 26/07/2011
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
Riders
Premium
Invested
Premium
Returns
2011
54631
5571
250
48810
0
2012
54631
5571
250
48810
0
2013
54631
5571
250
48810
0
2014
54631
5571
250
48810
0
2015
54631
5571
250
48810
0
2016
54631
5571
250
48810
0
2017
54631
5571
250
48810
0
2018
54631
5571
250
48810
0
2019
54631
5571
250
48810
0
2020
54631
5571
250
48810
0
2021
54631
5571
250
48810
19329
2022
54631
5571
250
48810
11216
2023
54631
5571
250
48810
12938
2024
54631
5571
250
48810
14840
2025
54631
5571
250
48810
16953
2026
29631
4447
250
24934
739753
2027
29631
4447
250
24934
21304
2028
29631
4447
250
24934
23735
2029
22350
4098
250
18002
46344
2030
22350
4098
250
18002
29155
2031
22350
4098
250
18002
20000
2032
17005
3764
250
12991
199500
2033
17005
3764
250
12991
30000
2034
17005
3764
250
12991
0
2035
17005
3764
250
12991
30000
2036
4995
2809
0
2186
451338
2037
4995
2809
0
2186
197000
2038
4995
2809
0
2186
0
2039
4995
2809
0
2186
0
2040
4995
2809
0
2186
0
2041
0
0
0
0
50000
2042
0
0
0
0
50000
2043
0
0
0
0
50000
2044
0
0
0
0
50000
2045
0
0
0
0
50000
2046
0
0
0
0
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,
Name: Mr Rajesh Chaudhary
Age: 30
Date: 26/07/2011
2047
0
0
0
0
50000
2048
0
0
0
0
50000
2049
0
0
0
0
50000
2050
0
0
0
0
50000
2051
0
0
0
0
50000
2052
0
0
0
0
50000
2053
0
0
0
0
50000
2054
0
0
0
0
50000
2055
0
0
0
0
50000
2056
0
0
0
0
50000
2057
0
0
0
0
50000
2058
0
0
0
0
50000
2059
0
0
0
0
50000
2060
0
0
0
0
50000
2061
0
0
0
0
50000
2062
0
0
0
0
50000
2063
0
0
0
0
50000
2064
0
0
0
0
50000
2065
0
0
0
0
50000
2066
0
0
0
0
50000
2067
0
0
0
0
50000
2068
0
0
0
0
50000
2069
0
0
0
0
50000
2070
0
0
0
0
50000
2071
0
0
0
0
50000
2072
0
0
0
0
50000
2073
0
0
0
0
50000
2074
0
0
0
0
50000
2075
0
0
0
0
50000
2076
0
0
0
0
50000
2077
0
0
0
0
50000
2078
0
0
0
0
50000
2079
0
0
0
0
50000
2080
0
0
0
0
50000
2081
0
0
0
0
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,
Name: Mr Rajesh Chaudhary
Age: 30
Date: 26/07/2011
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
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
2027
2028
2029
2030
2031
2032
2033
2034
2035
2036
2037
2038
2039
2040
54631
54631
54631
54631
54631
54631
54631
54631
54631
54631
54631
54631
54631
54631
54631
29631
29631
29631
22350
22350
22350
17005
17005
17005
17005
4995
4995
4995
4995
4995
54631
54631
54631
54631
54631
54631
54631
54631
54631
54631
54631
54631
54631
54631
54631
29631
29631
29631
22350
22350
22350
17005
17005
17005
17005
4995
4995
4995
4995
4995
106660
0
106660
0
106660
0
106660
0
106660
0
106660
0
106660
0
82851
0
57851
0
43636
0
38545
0
33200
0
21762
0
9752
0
9752
0
156212
0
0
156212
0
0
156212
0
0
156212
0
0
156212
0
0
84727
0
0
63908
0
0
48624
0
0
26293
0
0
14283
0
0
203405
0
0
0
203405
0
0
0
203405
0
0
0
181809
0
0
0
97430
0
0
0
68659
0
0
0
30608
0
0
0
9752
0
248350
0
0
0
0
248350
0
0
0
0
248350
0
0
0
0
122421
0
0
0
0
82649
0
0
0
0
22707
0
0
0
0
291154
0
0
0
0
0
291154
0
0
0
0
0
229403
0
0
0
0
0
105911
0
0
0
0
0
38631
0
0
0
0
0
Total:
1068403
1068403
1043973
1018897
998472
972827
956254
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,
Name: Mr Rajesh Chaudhary
Age: 30
Date: 26/07/2011
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.
Year
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
Annual
Premium
Top Up
25000
25000
25000
25000
25000
25000
25000
25000
25000
25000
25000
25000
25000
25000
25000
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
U n i t s
NAV
10.00
10.90
11.88
12.95
14.12
15.39
16.78
18.30
19.95
21.75
23.71
25.85
28.18
30.72
33.49
36.51
Purchased
Deducted
Total
Unit
Value
Surrender
Balanced
Partial
Surrender
0.00
2194.39
4263.84
6160.20
7897.04
9486.78
10974.61
12335.51
13579.53
14716.72
15755.80
16704.28
17569.90
18360.38
19081.96
19739.87
2194.39
2069.45
1896.36
1736.84
1589.74
1487.83
1360.90
1244.02
1137.19
1039.08
948.48
865.62
790.48
721.58
657.91
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
2194.39
4263.84
6160.20
7897.04
9486.78
10974.61
12335.51
13579.53
14716.72
15755.80
16704.28
17569.90
18360.38
19081.96
19739.87
19739.87
20627
45476
72183
101767
133953
168899
206990
248505
293599
342689
396058
454182
517396
586198
661088
720703
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
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,
Name: Mr Rajesh Chaudhary
Age: 30
Date: 26/07/2011
Growth of Growth Fund under scenario 10.00%
Year
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
Age
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
Annual
Premium
Top Up
Fund Value
(Year Begin)
Total
Charges
Fund Value
(Year End)
Cash
Value
Partial
Surrender
Death
Benefit
25000
25000
25000
25000
25000
25000
25000
25000
25000
25000
25000
25000
25000
25000
25000
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
21738
43377
68226
95433
125517
158203
193149
231240
272755
317849
366939
420308
478432
541646
610448
661088
3056
2443
2471
2508
2553
2102
2164
2234
2313
2400
2512
2624
2724
2833
2967
0
20627
45476
72183
101767
133953
168899
206990
248505
293599
342689
396058
454182
517396
586198
661088
720703
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
400000
400000
400000
400000
400000
400000
400000
400000
400000
400000
400000
454182
517396
586198
661088
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.
Year
2041
Plan
(Vested)
Plan
(Purchased)
147
189
Annuity Option
Return of purchase
price
Amount
Invested
Annuity
Mode
Pension
665779
Yly
50000
When in doubt, tell the truth
Amount
On Death
665779
On Commutation
Amount
Pension
166445
37375
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,
Name: Mr Rajesh Chaudhary
Age: 30
Date: 26/07/2011
Charges Details of Growth Fund ( Growth Rate: 10.00)
Risk Charges
Life Cover/HCB*
Year
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
Acc Cover
Other Charges
Critical Illness
Age
Rate
Amt
Rate
Amt
Rate
Amt
Service
Tax
Allocation
Charges
Flat
Fee
Admin
Charges
Policy
Charges
Total
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
1.46
1.46
1.50
1.56
1.64
1.73
1.85
1.99
2.15
2.33
2.57
2.81
3.02
3.25
3.54
3.54
584
584
600
624
656
692
740
796
860
932
1028
1124
1208
1300
1416
0
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
200
200
200
200
200
200
200
200
200
200
200
200
200
200
200
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
37
38
39
41
42
43
44
46
47
48
50
51
53
54
56
0
1875
1250
1250
1250
1250
750
750
750
750
750
750
750
750
750
750
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
360
371
382
393
405
417
430
443
456
470
484
498
513
529
545
0
3056
2443
2471
2508
2553
2102
2164
2234
2313
2400
2512
2624
2724
2833
2967
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,
Name: Mr Rajesh Chaudhary
Age: 30
Date: 26/07/2011
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
UnitValue
27.51%
Sum Assured & Survival's
Bonus
Final Additional Bonus
Guranted Addition
Loyalty Addition
Unit Value
600000
94500
5000
549920
649993
720703
22.90%
Bonus
FAB
3.61%
0.19%
24.81%
20.99%
LA
He who blames others has a long way to go on his journey.
GA
