Presentation Details

Plan

89

Plan Name

Term
/ PPT

Sum
Assured

Bonus

Mode

*Premium

Total
Prem's Paid

Maturity
Year

Maturity
Amount

Jeevan Saathi (Profits)

21/21

1000000

48

Yly

54854

1151934

2034

2108000

54854

1151934

Total:

1000000

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
Plan

89
Total

Term

21

PPT Rider Name

21 Double Accident Benefit

Rider Sum

Rider
Term

Rider
Premium

Total Prem's
Paid

1000000

21

2000

42000

2000

42000

LIC OF INDIA - MANISH SHAH

INSURANCE ADVISOR
402, Rajendra Vihar, 12th Khetwadi Cross lane, Grant Road, Mumbai -4
Mobile No. : 9820934872 , Web : www.licglobal.com, Email. : sales@licglobal.com
Name: Mr Sachin Tendulkar

Date: 11/02/2013

Age: 30

Annual Premium, Risk Cover and Loan Availability Details

Tax Slab: 20%
Year

2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
2027
2028
2029
2030
2031
2032
2033
2034
Total

Age

Normal
Risk Cover

Accidental
Risk Cover

Annual
Premium

Tax
Saved

Net
Premium

Returns
From LIC

New Loan
Available

Total Loan
Available

30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51

1000000
1000000
1000000
1000000
1000000
1000000
1000000
1000000
1000000
1000000
1000000
1000000
1000000
1000000
1000000
1000000
1000000
1000000
1000000
1000000
1000000
0

2000000
2000000
2000000
2000000
2000000
2000000
2000000
2000000
2000000
2000000
2000000
2000000
2000000
2000000
2000000
2000000
2000000
2000000
2000000
2000000
2000000
0

54854
54854
54854
54854
54854
54854
54854
54854
54854
54854
54854
54854
54854
54854
54854
54854
54854
54854
54854
54854
54854
0

10971
10971
10971
10971
10971
10971
10971
10971
10971
10971
10971
10971
10971
10971
10971
10971
10971
10971
10971
10971
10971
0

43883
43883
43883
43883
43883
43883
43883
43883
43883
43883
43883
43883
43883
43883
43883
43883
43883
43883
43883
43883
43883
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2108000

0
0
31076
47222
30086
34221
38855
43992
49668
56078
63057
71000
71117
80088
90461
102909
117421
142789
161123
181999
205130
0

0
0
31076
78298
108384
142605
181460
225453
275120
331199
394256
465256
536373
616461
706923
809831
927253
1070042
1231164
1413163
1618294
0

1151934

230391

921543

2108000

Note: 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.

(*) In Jeevan Saathi (Plan 89), On the unfortunate death of either husband / wife , survivor gets SA immediately and
the premium payment stops. once again, the survivor will get SA + Bonus at maturity if he/she survives till the end of
term. If the survivor dies before maturity, then the nominee will get the SA + Bonus upto that period. Please see
description for details.

This Presentation is Prepared for Private Circulation only.

You can't sip soup with a knife

LIC OF INDIA - MANISH SHAH

INSURANCE ADVISOR
402, Rajendra Vihar, 12th Khetwadi Cross lane, Grant Road, Mumbai -4
Mobile No. : 9820934872 , Web : www.licglobal.com, Email. : sales@licglobal.com
Name: Mr Sachin Tendulkar

Date: 11/02/2013

Age: 30

Return's Spreadsheet
Tax Slab: 20%
Year

Age

Normal
Lifecover

Accident
Lifecover

Annual
Premium

Tax
Saved

Net
Premium

Returns
from LIC

Net Returns

Surrender
Value

Total Loan
Available

2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
2027
2028
2029
2030
2031
2032
2033
2034

30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51

1000000
1000000
1000000
1000000
1000000
1000000
1000000
1000000
1000000
1000000
1000000
1000000
1000000
1000000
1000000
1000000
1000000
1000000
1000000
1000000
1000000
0

2000000
2000000
2000000
2000000
2000000
2000000
2000000
2000000
2000000
2000000
2000000
2000000
2000000
2000000
2000000
2000000
2000000
2000000
2000000
2000000
2000000
0

54854
54854
54854
54854
54854
54854
54854
54854
54854
54854
54854
54854
54854
54854
54854
54854
54854
54854
54854
54854
54854
0

10971
10971
10971
10971
10971
10971
10971
10971
10971
10971
10971
10971
10971
10971
10971
10971
10971
10971
10971
10971
10971
0

43883
43883
43883
43883
43883
43883
43883
43883
43883
43883
43883
43883
43883
43883
43883
43883
43883
43883
43883
43883
43883
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2108000

-43883
-43883
-43883
-43883
-43883
-43883
-43883
-43883
-43883
-43883
-43883
-43883
-43883
-43883
-43883
-43883
-43883
-43883
-43883
-43883
-43883
2108000

0
0
34529
86997
120427
158450
201623
250503
305689
367999
438062
516951
595970
684957
785469
899813
1030281
1188935
1367960
1570182
1798104
0

0
0
31076
78298
108384
142605
181460
225453
275120
331199
394256
465256
536373
616461
706923
809831
927253
1070042
1231164
1413163
1618294
0

1151934

230391

921543

2108000

1186457

Total:
Note: (1)
(2)
(3)
(4)

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 7.38% with tax benefit.
(*) The above illustration gives an effective yield of 5.51% without tax benefit.

(*) In Jeevan Saathi (Plan 89), On the unfortunate death of either husband / wife , survivor gets SA immediately and
the premium payment stops. once again, the survivor will get SA + Bonus at maturity if he/she survives till the end of
term. If the survivor dies before maturity, then the nominee will get the SA + Bonus upto that period. Please see
description for details.

This Presentation is Prepared for Private Circulation only.

When your work speaks for itself, don't interrupt

LIC OF INDIA - MANISH SHAH

INSURANCE ADVISOR
402, Rajendra Vihar, 12th Khetwadi Cross lane, Grant Road, Mumbai -4
Mobile No. : 9820934872 , Web : www.licglobal.com, Email. : sales@licglobal.com
Name: Mr Sachin Tendulkar

Date: 11/02/2013

Age: 30

Table Showing Benefits of Jeevan Saathi

Following table shows benefits available to second partner in case of unfortunate death of first partner
after 5 years from date of commencement of policy. In case of unfortunate death of first partner
(husband or wife) survivor get sum assured immediately and Premium is waived. Riskcover of second
partner continues and Maturity is paid at the end of Term.
Year

Age

2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
2027
2028
2029
2030
2031
2032
2033
2034

30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
Total

First Partner
Normal
RiskCover

Accidental
RiskCover

1000000
1000000
1000000
1000000
1000000
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

2000000
2000000
2000000
2000000
2000000
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

Annual
Premium

Tax
Saved

Net
Premium

Returns
From LIC

54854
54854
54854
54854
54854
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

10971
10971
10971
10971
10971
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

43883
43883
43883
43883
43883
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
1000000
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2108000

274270

54855

219415

3108000

This Presentation is Prepared for Private Circulation only.

Those we hurt the most are often those we love the most

Second Partner
Normal
RiskCover

1048000
1096000
1144000
1192000
1240000
1288000
1336000
1384000
1432000
1480000
1528000
1576000
1624000
1672000
1740000
1793000
1846000
1899000
1962000
2030000
2108000
0

Accidental
RiskCover

2048000
2096000
2144000
2192000
2240000
2288000
2336000
2384000
2432000
2480000
2528000
2576000
2624000
2672000
2740000
2793000
2846000
2899000
2962000
3030000
3108000
0

LIC OF INDIA - MANISH SHAH

INSURANCE ADVISOR
402, Rajendra Vihar, 12th Khetwadi Cross lane, Grant Road, Mumbai -4
Mobile No. : 9820934872 , Web : www.licglobal.com, Email. : sales@licglobal.com
Name: Mr Sachin Tendulkar

Date: 11/02/2013

Age: 30

Summary

Maximum Risk Cover (Normal) 1000000

Maximum Risk Cover (Accidental) 2000000
Total Premium Paid 1151934
Total Tax Saved u/s 80C 230391
NetPremium 921543
Returns (Maturity and Survival) 2108000
Compounded Value Of Returns 2108000
Additional Gain by Loan Recycling 0
Net Amount In Hand On 11/02/2034 2108000
Yield WithOut Tax Benefit 5.51
Yield With Tax Benefit 7.38

Breakup of Returns
Sum Assured & Survival's
Bonus
Final Additional Bonus

100000

1000000
1008000
100000

1000000
1008000

This Presentation is Prepared for Private Circulation only.

The greatest failure is the failure to try