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Mr. Gupta

Insurance Proposal for

www.delhiLICagent.com

[email protected]

PH. 09811896425, 09212201725

IRDA Authorised Insurance Advisor

LIFE INSURANCE CORPORATION OF INDIA

Presented by

for Annual Income of Rs. 426000/- from age 48 to 75

Harish Chand

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Presented by

Harish Chand



PH. 09811896425, [email protected]


The objective of this proposal is to provide financial security to your

family during your productive span and a happy independent retired

lifestyle for yourself and your spouse when you decide to retire.

At this moment your familys dependancy on you is very

high. Your hard work ensures that they get the best in their

life. Hence this proposal provides for a high riskcover of

Rs.0/- starting at your age of57 and growing toRs.3749599/- at age 69. During this period you will need

to make annual premium payments of Rs. 75663/-

No premiums are payable from your own funds after 69.

Certain benefits illustrated under this MagicPlan Retire & Enjoy are based on performance projections of the underlying

L.I.C. plans. Actual future performance of these plans can vary the results.

Please refer to the page titled - How does this Magic-Plan work?for detailed understanding of this insurance

proposal

for Annual Income of

Rs. 426000/-

from age 48 to 75

Mr. Gupta

Insurance Proposal for

The effective yield in the above proposal works out to 8.51 % (calculated as per IRR method)

During the income period too your life will be covered.

In case of death during this period a lumpsum amount

shall be paid to your nominee.

In the event of any emergency or financial difficulties,

there is a provision under this Magic Plan to provide loan

against the insurance policy after payment of 3 yearlypremiums.

To compliment a comfortable lifestyle for you in your

golden years this plan will provide annual tax-free income

from age 48 to 75. You will recieve annual income of

Rs.141934/-.

Disclaimer:

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Harish Chand


PH. 09811896425, 09212201725

[email protected]


MagicPlan - Retire And Enjoy - VI

How does this Magic-Plan work ?

A Jeevan Saral Policy ofRs.1575000 for term 35 years is being proposed to provide the benefits as

illustrated in this MagicPlan presentation.

Jeevan Saral plan has a unique feature of Partial Withdrawal which enables us to have the flexibility

of cash flows during the policy term.

The amount of partial withdrawal done each year is such that it pays for the premium and also

provides for your income in respective year. Thus you do not have to bear the burden of paying

premium from your own pocket once the annuity starts.

The annual income at age 48 will be Rs.141934.

The income will continue till your age 75.

Partial

Withdrawal

Mly Premium

ReductionYear Year

Partial

Withdrawal Year

Partial

Withdrawal

Mly Premium

Reduction

Mly Premium

Reduction

2031 800 544346

2032 700 5322482033 600 508966

2034 550 519729

2035 500 525669

2036 450 525774

2037 400 518829

2038 350 503535

2039 300 478327

2040 300 529724

2041 250 488556

2042 250 5403822043 200 477919

2044 200 528087

2045 200 583272

2046 250 804957

Partial Withdrawal Schedule of Jeevan Saral

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Harish Chand


PH. 09811896425, 09212201725

[email protected]



Quotation Ref.No.

(nearer birthday)

75663

28

03/06/2011:

:

:Yearly Premium

Proposers Age

Quotation DateMrGirotra

Mr. Gupta

:

:

:

Proposers Name

Sum Proposed 1575000

426000:Desired Income

Benefits During Deferment Period

Year Age

Risk Cover

Normal Accident

Yearly

Premium

Cash

Value

2011 28 2829000 4904000 102986 0

2012 29 2958600 5033600 102986 0

2013 30 3088200 5163200 102986 3000

2014 31 3217800 5292800 102986 149425

2015 32 3347400 5422400 102986 235728

2016 33 3477000 5552000 102986 337929

2017 34 3606600 5681600 102986 422259

2018 35 3736200 5811200 102986 510861

2019 36 3865800 5940800 102986 605117

2020 37 4489487 6564487 102986 704529

2021 38 4718083 6793083 102986 1305570

2022 39 4966029 7041029 102986 1518696

2023 40 5227454 7302454 102986 1754735

2024 41 5505690 7580690 102986 2014628

2025 42 5810550 7885550 102986 2300260

2026 43 6157740 8232740 102986 2614230

2027 44 6535690 8610690 102986 2959872

2028 45 6946393 9021393 102986 3340778

2029 46 7394926 9469926 102986 3759325

2030 47 7888173 9963173 102986 4219452

2059720

* The above projection is based on assumptions enumerated on the page titled "Benefits during the Retirement Period".

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Harish Chand


PH. 09811896425, 09212201725

[email protected]



Quotation Ref.No. 03/06/2011:Quotation Date

Proposers Age : 28 (nearer birthday)

: 75663Yearly Premium1575000

:

:

:Sum Proposed

Proposers Name Mr. Gupta

MrGirotra

Desired Income 426000:

Benefits during the Retirement Period

Year Age

Risk Cover Yearly

Premium

Returns

From L.I.C.

Prem.

Pymt.

Cash

Value

Net

IncomeAccidentNormal

Desired

Income

7662835 424363093378 5443469537835 426000 45096893378482031

7480398 421046784971 5322489180398 426000 44727784971492032

7381030 418848077765 5089668931030 426000 43120177765502033

7278062 414583971159 5197298690562 426000 44857071159512034

7189669 408583365155 5256698477169 426000 46051465155522035

7092171 401311459750 5257748267171 426000 46602459750532036

7005219 393392254946 5188298080219 426000 46388354946542037

6924222 385494050743 5035357911722 426000 45279250743552038

6858437 378688147139 4783277770937 426000 43118847139562039

6751485 365489143537 5297247588985 426000 48618743537572040

6742036 354556040534 4885567517036 426000 44802240534582041

6648281 336925637531 5403827360781 426000 50285137531592042

6655277 323545835129 4779197317777 426000 44279035129602043

6454628 303679032727 5280877067128 426000 495360327276120446151339 276248230325 5832726713839 426000 55294730325622045

5604000 223930327323 8049576104000 426000 77763427323632046

5506500 220365224688 4670006006500 426000 44231224688642047

5410000 215585722140 4915005910000 426000 46936022140652048

5254500 209497119679 5210005754500 426000 50132119679662049

5040000 202163017296 5505005540000 426000 53320417296672050

4591500 193438914986 5800005091500 426000 56501414986682051

4134000 183151912743 5845004634000 426000 57175712743692052

3667500 171086710568 5890003667500 426000 57843210568702053

3192000 15699548352 5935003192000 426000 5851488352712054

2707500 14043316189 5980002707500 426000 5918116189722055

2214000 12107884079 6025002214000 426000 5984214079732056

1711500 9856692018 6070001711500 426000 6049822018742057

1200000 7245600 6115001200000 426000 6115000752058

994850 15406320 994850 14411470

Benefits from Jeevan Saral plan are illustrated on the assumption that LIC will be able to provide a consistent return of 10%

p.a. throughout the term of the policy on the investible portion of the premium. For the purpose of illustration the average

investible portion of the premium under this plan is estimated as 90% .

u Magic-Plan Retire & Enjoy is a combination of LIC plans specially researched to meet the objective of securing a financiallyindependent life for yourself and your spouse on retirement.

u

u The benefits shown in this presentation have been calculated on the basis of interim bonuses declared by LIC for the yearended 31-Mar-2010 . Actual results may deviate depending on the future bonuses declared by LIC.

u The effective yield in the above proposal (based on maturity benefits) works out to 8.51 % (calculated as per IRR method ).

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Harish Chand


PH. 09811896425, 09212201725

[email protected]



MrGirotra:Quotation Ref.No.

Mr. Gupta:Proposers Name

1575000:Sum Proposed

03/06/2011:Quotation Date

Proposers Age : 28 (nearer birthday)

75663:Yearly Premium

33.99:Sec.80 CCE Tax Rebate100000:Sec.80 CCE Invt. Lmt.

Insurance Facts

Year Age

Risk Cover Annual

Premium

Tax

Saved

Net

Premium

Returns

From L.I.C.

Net

Cashflow

Cash

ValueNormal Accident

49040002829000282011 6798235004102986 0 0-102986

50336002958600292012 6798235004102986 0 0-10298651632003088200302013 6798235004102986 0 9317-102986

52928003217800312014 6798235004102986 0 156301-102986

54224003347400322015 6798235004102986 0 244207-102986

55520003477000332016 6798235004102986 0 347313-102986

56816003606600342017 6798235004102986 0 433491-102986

58112003736200352018 6798235004102986 0 524024-102986

59408003865800362019 6798235004102986 0 619943-102986

65644874489487372020 6798235004102986 0 721683-102986

67930834718083382021 6798235004102986 0 1324906-102986

70410294966029392022 6798235004102986 0 1541759-102986

73024545227454402023 6798235004102986 0 1780518-102986

75806905505690412024 6798235004102986 0 2043366-102986

78855505810550422025 6798235004102986 0 2332660-102986

82327406157740432026 6798235004102986 0 2650970-102986

86106906535690442027 6798235004102986 0 3001165-102986

90213936946393452028 6798235004102986 0 3386396-102986

94699267394926462029 6798235004102986 0 3810016-102986

99631737888173472030 6798235004102986 0 4275827-102986

95378357662835482031 616403173893378 544346 4243630450968

91803987480398492032 560902888184971 532248 4210467447277

89310307381030502033 513342643177765 508966 4188480431201

86905627278062512034 469732418671159 519729 4145839448570

84771697189669522035 430102214565155 525669 4085833460514

82671717092171532036 394422030859750 525774 4013114466024

80802197005219542037 362711867554946 518829 3933922463883

79117226924222552038 334971724650743 503535 3854940452792

77709376858437562039 311181602147139 478327 3786881431188

75889856751485572040 287401479743537 529724 3654891486187

75170366742036582041 267581377640534 488556 3545560448022

73607816648281592042 247751275637531 540382 3369256502851

73177776655277602043 231901193935129 477919 3235458442790

70671286454628612044 216041112332727 528087 3036790495360

67138396151339622045 200191030630325 583272 2762482552947

61040005604000632046 18037928627323 804957 2239303786920

60065005506500642047 16298839024688 467000 2203652450702

59100005410000652048 14616752422140 491500 2155857476884

57545005254500662049 12991668819679 521000 2094971508009

55400005040000672050 11418587817296 550500 2021630539082

50915004591500682051 9893509314986 580000 1934389570107

46340004134000692052 8412433112743 584500 1831519576088

36675003667500702053 6976359210568 589000 171086758202431920003192000712054 551328398352 593500 1569954587987

27075002707500722055 408521046189 598000 1404331593915

22140002214000732056 269213874079 602500 1210788599808

17115001711500742057 13326862018 607000 985669605668

12000001200000752058 000 611500 0611500

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Harish Chand


PH. 09811896425, 09212201725

[email protected]



1240954815406320201636510382053054570

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Harish Chand


PH. 09811896425, 09212201725

[email protected]



Quotation Ref.No.

Proposers Name

Sum Proposed :

: Mr. Gupta

1575000 Yearly Premium : 75663

Proposers Age : (nearer birthday)28

03/06/2011:Quotation DateMrGirotra:

Desired Annuity 426000

100000:Sec.80 CCE Invt. Lmt. 33.99Sec.80 CCE Tax Rebate

Agent's Copy

P R E M I U M

SSS Mly. Qly. Hly. Yly.

Interim

Bonus

Rate

* Bonus

Rate

#Assu

Step

Rate FAB

Sr.

No. Plan/Tm/PPT Sum

DAB

Sum

6431 6431 19294 38209 7566315750001575000165/35/351

227 238 680 1339 2635205045 450100000149/36/362

219 231 657 1295 2548225045 450100000149/37/373

212 223 635 1250 2461250045 450100000149/38/384

205 216 615 1211 2383275045 450100000149/39/395

199 209 596 1174 2310300045 450100000149/40/406

193 203 579 1139 2243300045 450100000149/41/417

187 197 561 1105 2175300045 450100000149/42/428

190 200 571 1125 2216300045 45100000100000149/43/439

186 195 557 1098 2163300045 45100000100000149/44/4410

181 190 544 1071 2110300045 45100000100000149/45/4511

177 186 531 1047 2061300045 45100000100000149/46/4612

173 182 520 1024 2018300045 45100000100000149/47/4713

1029865208726340890187802775000 2075000

'*' : - Assuming LIC will declare the above mentioned bonus rates for the year ended 31-Mar-2010.1.

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

Documents

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