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Presented by

Delhi LIC Agent

Harish Chand

Specially conceived for

Mr. Harish Chand

577, GH-9, PASCHIM VIHAR

NEW DELHI- 110087

INDIA, 9811896425, 9212201725 www.delhiLICagent.com

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Magic-Plan Life Partners is a combination of L.I.C. plans specially prepared to meet the objectives of your insurance needsu

Together, you can make your dreams into a reality. Your combined income is enhancing your lifestyle everyday. While

both of you look forward to a happy and secure life , it is equally important to ensure that eventualities dont come in

the way of shaping your dreams.

MagicPlan Life-Partners is an ideal dual benefit insurance solution which protects your family by insuring both of

you, while also providing a regular flow of income for your dream lifestyle after retirement.

Mr. Harish Chands life is covered till his age of 56 years. The

risk cover starts at Rs.506540 and peaks to Rs.81 3800 at the

age of 42.

During the retirement benefits period if any partner ceases to survive, the annuity will be reduced to

alternate years instead of every year.

Mrs. Lalita Tiwaris life is covered till her age of 52 years. The

risk cover starts at Rs.480820 and peaks to Rs.801520 at the

age of 38.

Assumptions and Disclaimer

The benefits illustrated herein are based on bonuses forecasted on the policies proposed. The forecasted bonuses are not

guaranteed and hence the actual results may vary depending upon future performance of L.I.C.

u

Presented by

Delhi LIC Agent

Harish Chand

A combined premium of Rs.45979 p.a. is payable from own funds

for 1 5 years. Rs.24449 p.a. is payable from Mr. Harish Chands

account and Rs.21 530 is payable from Mrs. Lalita Tiwaris

account.

After 15 years, your policies will start paying for your retirement needs. A minimum amount of Rs.1 00000

p.a. will be available to both of you for the next 16 years.

You are not expected to pay any premiums from your own fund after 15 years. The cash flow has been planned

in such a manner that it will pay for the premiums of policies inforce and pay the remainder to you as annuity.

At any time during the insurance period if any one partner ceases to survive, then the surviving spouse will

receive a lumpsum amount from L.I.C. equivalent to the demised partners risk covered at that moment and the

premium payment of the demised partners insurance will cease.

The subsequent pages illustrate the year by year benefits of this Magic-Plan. This entire presentation is subject to the

disclaimer given below in this page.

577, GH-9, PASCHIM VIHARNEW DELHI- 110087

INDIA, 9811896425, 9212201725 www.delhiLICagent.com

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Delhi LIC Agent

Harish Chand


NEW DELHI- 110087

INDIA, 9811896425, 9212201725

www.delhiLICagent.com

MagicPlan - Life Partners Ref. No.- HC003

Husband Name

Wife Name

Mr. Harish Chand

Mrs. Lalita Tiwari

DOB - Age (Nearer Birthday) 28/02/1982 - 28


Retirement Benefit at a Glance

Joint Survivor

Age

Annual

Premium

Maturity

Amount

# One time

LumpsumAge

Annual

Premium

# One time

Lumpsum

Maturity

Amount

Annual

Premium

Maturity

Amount

Desired

IncomeYear

Single Survivor

** Nett

In Hand

Mr. Harish Chand Mrs. Lal ita Tiwari

6927200215303880152014310018303431032671431001000002025 39833

7177651369601647039688970018303441021871369601000002026 34773

6060600164704071343013267513843451023621326751000002027 30313

6286301285201259341606230013843461020841285201000002028 26436

5348000125934264240012402010426471010011240201000002029 23019

566640122400964543551000010426481023291224001000002030 20071

46560009645445820001258407831491083641258401000002031 17476

49040011640073764549040007831501011931164001000002032 15207

38640007376465152001226005635511095891226001000002033 13011

40500012880053064740500005635521178591288001000002034 10941

28480005306484272001350003616531260781350001000002035 8922

29960014240034034929960003616541353811424001000002036 7019

15720003403503144001498001745551446521498001000002037 5148

16460015720016415116460001745561538141572001000002038 3386

001641521720001646000571629591646001000002039 1641

0172000053000581720001720001000002040 0

2571961600000 2202315 1945119 122798 1097635 1104680134398

** - The Retirement benefits are planned by providing multiple policies to both of you. These policies will mature every year from 2025 till 2040.

The maturity proceeds are worked out such that it pays for premium of inforce policies and provides the balance as the TAX FREE annuity.

# - In the unfortunate event of death of one of the partners in retirement benefits period, the surviving partner will receive a one time lumpsum

amount from L.I.C. on account of death claim on the demised partner's inforce policies.

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Delhi LIC Agent

Harish Chand


NEW DELHI- 110087

INDIA, 9811896425, 9212201725



DOB - Age (Nearer Birthday)

Mrs. Lalita TiwariMr. Harish Chand

15/08/1987 - 2328/02/1982 - 28

33.99%Sec.80 CCE Tax Rebat e 33.99%

100000Sec.80 CCE Invt. Lmt. 100000

Premium Breakup and Tax Benefits in this P roposal

Year Premium Tax Saved

Nett

PremiumPremium

Tax Saved

@33.99%

Nett

PremiumPremium

Tax Saved

@ 33.99%

Nett

Premium

TotalMrs. Lalita TiwariMr. Harish Chand

2010 3035115628459791421173192153016140830924449

2011 3035115628459791421173192153016140830924449

2012 3035115628459791421173192153016140830924449

2013 3035115628459791421173192153016140830924449

2014 3035115628459791421173192153016140830924449

2015 3035115628459791421173192153016140830924449

2016 3035115628459791421173192153016140830924449

2017 3035115628459791421173192153016140830924449

2018 3035115628459791421173192153016140830924449

2019 3035115628459791421173192153016140830924449

2020 3035115628459791421173192153016140830924449

2021 3035115628459791421173192153016140830924449

2022 3035115628459791421173192153016140830924449

2023 3035115628459791421173192153016140830924449

2024 3035115628459791421173192153016140830924449

2025 2629413539398331421173192153012083622018303

2026 2295411819347731087155991647012083622018303

2027 200101030330313108715599164709139470413843

2028 1745189852643683124281125939139470413843

2029 1519578242301983124281125936883354310426

2030 132496822200716366327996456883354310426

2031 11536594017476636632799645517026617831

2032 10038516915207486825087376517026617831

2033 8588442313011486825087376372019155635

2034 7222371910941350218045306372019155635

2035 5889303389223502180453062387122936162036 463323867019224611573403238712293616

2037 33981750514822461157340311525931745

2038 2235115133861083558164111525931745

2039 1083558164110835581641000

2040 000000000

625040489533 321841946881301872155476457348323168166365

The effective yield in the above proposal works out to 9.84% (Post Tax) (Calculated as per IRR Method)

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Delhi LIC Agent

Harish Chand


NEW DELHI- 110087

INDIA, 9811896425, 9212201725



Husband Name

Wife Name

Mr. Harish Chand

Mrs. Lalita Tiwari



Basic Policy Benefits

Mr. Harish Chand Mrs. Lal ita Tiwari Total

Risk

Cover

Nett

ReturnsYear Age

Risk

Cover

Annual

Premium

Returns

From L.I .C. A ge

Annual

Premium

Returns

From L.I.C.

Returns

From L.I.C.

Annual

Premium

2010 28 506540 24449 0 23 480820 21530 0 45979 0 -45979

2011 29 528080 24449 0 24 501640 21530 0 45979 0 -459792012 30 549620 24449 0 25 522460 21530 0 45979 0 -45979

2013 31 571160 24449 0 26 543280 21530 0 45979 0 -45979

2014 32 592700 24449 0 27 564100 21530 0 45979 0 -45979

2015 33 614240 24449 0 28 584920 21530 0 45979 0 -45979

2016 34 635780 24449 0 29 605740 21530 0 45979 0 -45979

2017 35 657320 24449 0 30 626560 21530 0 45979 0 -45979

2018 36 678860 24449 0 31 647380 21530 0 45979 0 -45979

2019 37 700400 24449 0 32 668200 21530 0 45979 0 -45979

2020 38 721940 24449 0 33 689020 21530 0 45979 0 -45979

2021 39 743480 24449 0 34 709840 21530 0 45979 0 -45979

2022 40 765020 24449 0 35 730660 21530 0 45979 0 -45979

2023 41 786560 24449 0 36 751480 21530 0 45979 0 -45979

2024 42 813800 24449 0 37 776500 21530 0 45979 0 -45979

2025 43 692720 18303 143100 38 801520 21530 0 39833 143100 103267

2026 44 717765 18303 0 39 688970 16470 136960 34773 136960 102187

2027 45 606060 13843 132675 40 713430 16470 0 30313 132675 102362

2028 46 628630 13843 0 41 606230 12593 128520 26436 128520 102084

2029 47 534800 10426 124020 42 642400 12593 0 23019 124020 101001

2030 48 566640 10426 0 43 551000 9645 122400 20071 122400 102329

2031 49 465600 7831 125840 44 582000 9645 0 17476 125840 108364

2032 50 490400 7831 0 45 490400 7376 116400 15207 116400 101193

2033 51 386400 5635 122600 46 515200 7376 0 13011 122600 109589

2034 52 405000 5635 0 47 405000 5306 128800 10941 128800 117859

2035 53 284800 3616 135000 48 427200 5306 0 8922 135000 126078

2036 54 299600 3616 0 49 299600 3403 142400 7019 142400 135381

2037 55 157200 1745 149800 50 314400 3403 0 5148 149800 144652

2038 56 164600 1745 0 51 164600 1641 157200 3386 157200 153814

2039 57 0 0 164600 52 172000 1641 0 1641 164600 162959

2040 58 0 0 0 53 0 0 172000 0 172000 172000

489533 1097635 457348 1104680 946881 2202315 1255434

The effective yield in the above proposal works out to 6.61 % (Pre Tax) (Calculated as per IRR Method)

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Delhi LIC Agent

Harish Chand


NEW DELHI- 110087

INDIA, 9811896425, 9212201725



Mr. Harish Chand Mrs. Lalita Tiwari

DOB - Age (Nearer Birthday)

Sum Proposed

Yearly Premium

28/02/1982 - 28 15/08/1987 - 23

485000 460000

24449 21530

Sec.80 CCE I nvt. Lmt.

Sec.80 CCE Tax Rebate 33.99%

100000100000

33.99%

Agent's Copy

Yly.Hly.Qly.Mly.SSSFAB

#Assu

Step

Rate

*Assu

Bonus

Rate

DAB

Su mSu mPl/Tm/PPT

Sr .No .

P R E M I U MInterim

Bonus

Rate

Mr. Harish Chand

614631201584554528200.0038900009000014/15/151 38

446022641149402383550.0042750007500014/17/172 42

341717358813082941100.0042650006500014/19/193 42

259513186692342232800.0048550005500014/21/214 48

219611155661981893480.0048500005000014/23/235 48

201910255201821735000.0048500005000014/25/256 48

18719504821681617000.0048500005000014/27/277 48

17458864491571509000.0048500005000014/29/298 48

2444912413630022032101485000 485000

Mrs. Lalita Tiwari

506025691304456435400.0042800008000014/16/161 42

38771969999350333800.0042700007000014/18/182 42

294814977602662532000.0042600006000014/20/203 42

226911525842041952720.0048500005000014/22/224 48

207010515331861784240.0048500005000014/24/245 48

19039664901711636000.0048500005000014/26/266 48

17628944541591518000.0048500005000014/28/287 48

164183342214814110000.0048500005000014/30/308 48

2153010931554619401849460000 460000

45979233441184641433950945000945000Total

'#' : - Assuming that bonus rate declared by LIC will increase/decrease per year by step rate mentioned above.

'*' : - Assuming LIC will declare the above mentioned bonus rates for the year ended 31-Mar-2010

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