I N S U R E Mr.

Santosh Ghodeshwar
H A P P I N E S S

S E C U R I T Y

Nobody plans to fail,

they just fail to plan.

1/1, Atal Vihar, Kolsewadi,

Katemanavali, Kalyan (E) -

421 306.

Tel.: (95251) 2331734

Mob.: 93228 86802

ASHOK P. JHA
Wealth Creator Thru Best Investment
 ASHOK P. JHA
Wealth Creator Thru Best Investment
1/1, Atal Vihar, Kolsewadi, Katemanavali, Kalyan (E) - 421 306.
Tel.: (95251) 2331734 Mob.: 93228 86802

Name: Mr Santosh Ghodeshwar Age: 34 Date: 15/02/2011

Plan Description

Plan Name : Jeevan Surabhi

Introduction
Jeevan Surabhi is an improved version of Money Back Plan with an added element of increasing term insurance
cover. The survival benefits received by the policy holder takes care of his short term financial needs lie buying house
hold durables or any such needs like educational expenses of children. The regular increase in life risk cover available
to the policy holder without payment of extra premium or even without under going other formalities like medical
exams or special medical report.
The shorter premium paying term helps the policy holder to restrict the payment of premium to his productive years
and simultaneously continue the life risk cover to desired age, depending on the needs of the family.

Features
1. This policy provides for a regular income flow at regular intervals in the form of “Survival Benefits”.
20% of SA is payable at the end of 4 years, 8 years, 12 years, 15 years and 18 years respectively.
2. In case of death of the policyholder before maturity, full sum assured and accrued Bonus is paid
to the nominee.
3. Double Accident Benefit :- On death due to accident extra sum assured would be payable.
4. 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 .
5. The Survival Benefit already paid will not be deducted from the death claim amount.
6. The risk cover increases by 50% of the Sum Assured once in every 5 years.
7. Accident Benefit is provided only on basic S. A. and during Premium Paying Term only.
8. Regular increase in life risk cover is available without payment of extra premium and without
undergoing other formalities like medical exam or special medical report etc.
9. This plan is allowed to minor females where insurance is financed out of parents income upto
S. A. of 10 lakhs.
10. Housing loan can be taken against this policy.
11. Policy can be assigned as security in bank, housing co. or any financial institute.
12. Backdating of policy is allowed.
13. Policy can be surrendered for its paid-up value after a period of 3 years.
14. Loan can be taken against this policy.

Happiness is a path, not a destination 3

 ASHOK P. JHA
Wealth Creator Thru Best Investment
1/1, Atal Vihar, Kolsewadi, Katemanavali, Kalyan (E) - 421 306.
Tel.: (95251) 2331734 Mob.: 93228 86802

Name: Mr Santosh Ghodeshwar Age: 34 Date: 15/02/2011

Presentation Details

Plan Plan Name Term Sum Bonus Mode *Premium Total Maturity Maturity
/ PPT Assured Prem's Paid Year Amount

108 Jeevan Surabhi 25/18 500000 50 Yly 43126 776268 2036 687500
Total 500000 43126 776268
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 Term PPT Rider Name Rider Sum Rider Rider Total Prem's
Term Premium Paid
108 25 18 Double Accident Benefit 500000 18 500 9000
Total 500 9000

Agents Copy

Sr. DOC Pn / Tm / Sum Mode No of

No. PPT Assured Yearly Half Yearly Quaterly Monthly SSS Per Day Inst.

1 15/02/2011 108/25/18 500000 43126 21900 11119 3894 3706 118.15 0

43126 21900 11119 3894 3706 118.15

Jo Parivaar Se Kare Pyar Woh, L.I.C. Se Kaise Kare Inkar 3

 ASHOK P. JHA
Wealth Creator Thru Best Investment
1/1, Atal Vihar, Kolsewadi, Katemanavali, Kalyan (E) - 421 306.
Tel.: (95251) 2331734 Mob.: 93228 86802

Name: Mr Santosh Ghodeshwar Age: 34 Date: 15/02/2011

Return's Spreadsheet
Tax Slab: 30%
Year Age Normal Accidental Annual Tax Net Returns Net New Loan Total Loan
Risk Cover Risk Cover Premium Saved Premium From LIC Returns Available Available

2011 34 525000 1025000 43126 12938 30188 0 -30188 0 0

2012 35 550000 1050000 43126 12938 30188 0 -30188 0 0
2013 36 575000 1075000 43126 12938 30188 0 -30188 24908 24908
2014 37 600000 1100000 43126 12938 30188 0 -30188 23410 48317
2015 38 625000 1125000 43126 12938 30188 100000 69812 0 19179
2016 39 900000 1400000 43126 12938 30188 0 -30188 27214 46393
2017 40 925000 1425000 43126 12938 30188 0 -30188 20108 66501
2018 41 950000 1450000 43126 12938 30188 0 -30188 0 64994
2019 42 975000 1475000 43126 12938 30188 100000 69812 21184 86178
2020 43 1000000 1500000 43126 12938 30188 0 -30188 3356 89534
2021 44 1275000 1775000 43126 12938 30188 0 -30188 28978 118512
2022 45 1300000 1800000 43126 12938 30188 0 -30188 0 99309
2023 46 1325000 1825000 43126 12938 30188 100000 69812 26850 126158
2024 47 1350000 1850000 43126 12938 30188 0 -30188 34279 160437
2025 48 1390000 1890000 43126 12938 30188 0 -30188 0 138884
2026 49 1665000 2165000 43126 12938 30188 100000 69812 44671 183554
2027 50 1690000 2190000 43126 12938 30188 0 -30188 47093 230648
2028 51 1715000 2215000 43126 12938 30188 0 -30188 0 227543
2029 52 1740000 1740000 0 0 0 100000 100000 38037 265580
2030 53 1800000 1800000 0 0 0 0 0 0 260561
2031 54 2075000 2075000 0 0 0 0 0 34144 294705
2032 55 2100000 2100000 0 0 0 0 0 53312 348017
2033 56 2125000 2125000 0 0 0 0 0 58451 406468
2034 57 2150000 2150000 0 0 0 0 0 64406 470874
2035 58 2187500 2187500 0 0 0 0 0 24522 495396
2036 59 0 0 0 0 0 687500 687500 0 0

Total 776268 232884 543384 1187500 644116

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 9.12% with tax benefit.
(*) The above illustration gives an effective yield of 4.47% without tax benefit.

Insure now, not because you are to die, but they are to live 3
ASHOK P. JHA
Wealth Creator Thru Best Investment
1/1, Atal Vihar, Kolsewadi, Katemanavali, Kalyan (E) - 421 306.
Tel.: (95251) 2331734 Mob.: 93228 86802

Name: Mr Santosh Ghodeshwar Age: 34 Date: 15/02/2011

Summary

Maximum Risk Cover (Normal) 2187500

Maximum Risk Cover (Accidental) 2215000

Total Premium Paid 776268

Total Tax Saved u/s 80C 232884

NetPremium 543384
Returns (Maturity and Survival) 1187500
Compounded Value Of Returns 1187500

Additional Gain by Loan Recycling 0

Net Amount In Hand On 15/02/2036 1187500
Yield WithOut Tax Benefit 4.47

Yield With Tax Benefit 9.12

FAB

Breakup of Returns
5.26%
Sum
42.11%
Assured
Sum Assured & Survival's 500000
Bonus 625000 52.63%
Final Additional Bonus 62500
Bonus

He who stands for nothing, falls for anything 3