ABC

Mr Abc

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”

DEEPAK VIJAY SAWANT

INSURANCE ADVISOR

Flat No. 201, Palmyra Complex, Near Sheetal Hotel, Nehrunagar, Pimpri, Pune-411018

Mobile No. :9762340061, 9975698437, Email. :[email protected]

DEEPAK VIJAY SAWANT

INSURANCE ADVISOR



Date: 12/08/2012Age: 35Name: Mr Abc

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.

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

DEEPAK VIJAY SAWANT

INSURANCE ADVISOR




Plan 190: Amulya Jeevan - 1

You realise that life is full of uncertainties. You want to be financially prepared to ensure that life

continues smoothly for your family in the event that some thing unfortunate befalls you. Term assurance

is the answer; an ideal plan for providing insurance protection at a low cost. You can choose from 2

options under this category viz Single premium Term Insurance, which involves a one time payment of

premium and Regular Premium Level Term Assurance in which premiums are paid throughout the term of the

policy for 5 to 35 years. The main focus of this plan is on protection to your family in the event of

your death at a very low cost.

Features

1. This is a pure Term Assurance Plan, which provides risk cover at a low-cost to the policyholder.

Minimum Sum Assured is 25 Lacs & Maximum Sum Assured is unlimited.

2. Maturity Benefit : On maturity no amount will be paid to the policy holder.

3. Death Benefit : On death of the policyholder during policy term, S.A. will be paid to the nominee.

4. The risk cover provided during the term of the plan is equal to the Sum Assured.

5. This plan does not provide for a facility of Maturity Value, surrender value or loan.

6. The revival facility and backdating facility is available.

7. Policy will not acquire any paid up value.

8. Yly/Hly/Single prem. modes allowed.

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

glorious future.

DEEPAK VIJAY SAWANT

INSURANCE ADVISOR




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.

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

Plan now for tomorrow.

DEEPAK VIJAY SAWANT

INSURANCE ADVISOR




Presentation Details

Plan Term /

PPT

Sum

Assured

Mode Maturity

Amount

Maturity

Year

Bonus *Premium Total

Prem's Paid

Plan Name

Jeevan Saral165 30/30 750000 0 109170018195 67109512042Hly

Amulya Jeevan - 1190 35/35 10000000 0 195279027897 02047Hly

Jeevan Anand149 25/25 500000 48 70345014069 13250002037Hly

Total 11250000 374794060161

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.

Rider Details

PPT Rider Name Rider Sum Rider Term

Rider Premium

Total Prem's Paid

Plan Term

Double Accident Benefit 750000 30 375 22500165 30 30

PWB for Critical Illness 25 791 39550149 25 25

Critical Illness 500000 25 2141 107050149 25 25

Double Accident Benefit 500000 25 0 0149 25 25

Total 3307 169100

Agents Copy

Sr.

No.

DOC Pn / Tm /

PPT

Sum

Assured

Mode

Yearly Half Yearly Quaterly Monthly SSS Per Day

No of

Inst.Single

1 12/08/2012 165/30/30 750000 36030 18195 9188 3063 3063 98.71 00

2 12/08/2012 190/35/35 10000000 54700 27897 0 0 0 149.86 0783800

3 12/08/2012 149/25/25 500000 27719 14069 7139 2502 2380 75.94 00

118449 544355651632760161 324.52783800

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

DEEPAK VIJAY SAWANT

INSURANCE ADVISOR




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

35 11274000 12524000 120322 30000 90322 0 -90322 002012

36 11333640 12583640 120322 30000 90322 0 -90322 002013

37 11393280 12643280 120322 30000 90322 0 -90322 69864776272014

38 11452920 12702920 120322 30000 90322 0 -90322 1230001366672015

39 11512560 12762560 120322 30000 90322 0 -90322 1747561941732016

40 11572200 12822200 120322 30000 90322 0 -90322 2191942435492017

41 11631840 12881840 120322 30000 90322 0 -90322 2655322950362018

42 11691480 12941480 120322 30000 90322 0 -90322 3142413491562019

43 11751120 13001120 120322 30000 90322 0 -90322 3674464082732020

44 11810760 13060760 120322 30000 90322 0 -90322 4269134743482021

45 12144459 13394459 120322 30000 90322 0 -90322 7382268202522022

46 12271534 13521534 120322 30000 90322 0 -90322 8666539629482023

47 12408991 13658991 120322 30000 90322 0 -90322 101061611229062024

48 12557870 13807870 120322 30000 90322 0 -90322 117169413018832025

49 12729311 13979311 120322 30000 90322 0 -90322 135254915028322026

50 12907071 14157071 120322 30000 90322 0 -90322 154147517127502027

51 13100032 14350032 120322 30000 90322 0 -90322 174416919379652028

52 13309714 14559714 120322 30000 90322 0 -90322 196779621864402029

53 13542789 14792789 120322 30000 90322 0 -90322 221423424602602030

54 13798597 15048597 120322 30000 90322 0 -90322 248658527628722031

55 14081661 15331661 120322 30000 90322 0 -90322 278728430969832032

56 14399206 15649206 120322 30000 90322 0 -90322 312495934721772033

57 14768681 16018681 120322 30000 90322 0 -90322 349674038852662034

58 15167778 16417778 120322 30000 90322 0 -90322 390626943402992035

59 15599459 16849459 120322 30000 90322 0 -90322 435951448439052036

60 15167984 16417984 92184 27655 64529 1325000 1260471 384369742707742037

61 15600937 16850937 92184 27655 64529 0 -64529 424702547189172038

62 16077260 17327260 92184 27655 64529 0 -64529 468701152077902039

63 16601290 17851290 92184 27655 64529 0 -64529 516851157427902040

64 17177797 18427797 92184 27655 64529 0 -64529 569682763298072041

65 10500000 11000000 55794 16738 39056 6710951 6671895 2026352251502042

66 10500000 11000000 55794 16738 39056 0 -39056 2097902331002043

67 10500000 11000000 55794 16738 39056 0 -39056 2168102409002044

68 10500000 11000000 55794 16738 39056 0 -39056 2238302487002045

69 10500000 11000000 55794 16738 39056 0 -39056 2308502565002046

70 500000 500000 0 0 0 0 0 2378252642502047

71 500000 500000 0 0 0 0 0 2447552719502048

72 500000 500000 0 0 0 0 0 2516402796002049

73 500000 500000 0 0 0 0 0 2584352871502050

74 500000 500000 0 0 0 0 0 2651402946002051

75 500000 500000 0 0 0 0 0 2717103019002052

76 500000 500000 0 0 0 0 0 2781903091002053

77 500000 500000 0 0 0 0 0 2845803162002054

78 500000 500000 0 0 0 0 0 2907903231002055

79 500000 500000 0 0 0 0 0 2969103299002056

Success occurs when opportunity meets prepareation

DEEPAK VIJAY SAWANT

INSURANCE ADVISOR




80 500000 500000 0 0 0 0 0 3028503365002057

81 500000 500000 0 0 0 0 0 3086103429002058

82 500000 500000 0 0 0 0 0 3142353491502059

83 500000 500000 0 0 0 0 0 3196803552002060

84 500000 500000 0 0 0 0 0 3249453610502061

85 500000 500000 0 0 0 0 0 3300753667502062

86 500000 500000 0 0 0 0 0 3349803722002063

87 500000 500000 0 0 0 0 0 3397503775002064

88 500000 500000 0 0 0 0 0 3443403826002065

89 500000 500000 0 0 0 0 0 3489303877002066

90 500000 500000 0 0 0 0 0 3533403926002067

91 500000 500000 0 0 0 0 0 3578403976002068

92 500000 500000 0 0 0 0 0 3622954025502069

93 500000 500000 0 0 0 0 0 3668854076502070

94 500000 500000 0 0 0 0 0 3727354141502071

95 500000 500000 0 0 0 0 0 3778654198502072

96 500000 500000 0 0 0 0 0 3875854306502073

97 500000 500000 0 0 0 0 0 3970804412002074

98 500000 500000 0 0 0 0 0 4189504655002075

99 500000 500000 0 0 0 0 0 4230004700002076

100 0 0 0 0 0 500000 500000 002077

Total 3747940 971965 2775975 8535951 5759976

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 6.91% with tax benefit.

(*) The above illustration gives an effective yield of 5.20% 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 .

There is no substitute for Life Insurance

DEEPAK VIJAY SAWANT

INSURANCE ADVISOR




Medical Requirements

Following table shows medical tests required.

Life Assured Total SUC Medical Tests

Abc 11750000 (1) Rest ECG, (2) Haemogram, (3) SBT - 13, (4)

RUA

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

Breakup of Returns

Sum Assured & Survival's 500000

Bonus 600000

Final Additional Bonus 225000

Guranted Addition 1218120

Loyalty Addition 5492831

6.22%

SumAssured

7.47%

Bonus

2.80%

FAB

15.16% GA

68.35%

LA

Happiness is a path, not a destination

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