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ANANDARAMAN.R,B.

Com
Agent - LIC of India (The Life Insurance Specialist)
#209, FIRST FLOOR, CHETTY STREET, PONDICHERRY- 605 001 Mobile : +919843146519 E-Mail : anandaraman.lic@htomail.com

175 - Bima Bachat


Term Minimum Maximum
Premium Ceasing Age : 66 9 15

Age
15 66

Sum
20000 0

Premium Ceasing Term : 1 Plan Highlights

Features Bima Bachat is a single premium money back plan. The single premium that is paid under the policy will be paid back to the policyholder along with Loyalty Additions, if any. This payment will be done at the time of maturity. If the policyholder survives till the term of the policy, he will receive 15% of the total sum assured every 3 years. There are no riders available under this policy. And it is available for a term of 9, 12 and 15 years. Benefits Death benefit: On the death of the policyholder during the term of the policy, an amount which is equal to sum assured is paid. Survival Benefit: In case the Life Assured is surviving to the end of the specified durations the following benefits shall be payable: For policy term 9 years: 15% of the Sum Assured at the end of each 3rd & 6th policy year. For policy term 12 years: 15% of the Sum Assured at the end of each 3rd, 6th & 9th policy year. For policy term 15 years: 15% of the Sum Assured at the end of each 3rd, 6th, 9th & 12th policy year. Maturity Benefit: Single premium (excluding extra premium) along with Loyalty Additions, if any, is paid to the Life Assured if he survives till the end of the term. Loyalty Additions This is a with-profits Plan and the policy shall participate in the profits of the Corporation's with-profits assurance business. The policy shall, however not be eligible for reversionary bonuses but it will be eligible to a share of profits in the form of Loyalty Addition (one time) which will be only payable on maturity. On the Life Assured surviving the stipulated date of maturity, the policy may be eligible for payment of Loyalty Addition, if any, depending upon the experience of the Corporation at such rate and on such terms as may be declared by the Corporation. Loan Loan facility is available under this plan after the policy acquires paid-up value. The rate of interest to be charged for loan amount would be determined from time to time by the Corporation. Presently the rate of interest is 9% p.a. payable half-yearly. Cooling -off period If a policyholder is not satisfied with the terms and conditions of the policy, he/she may return the policy to the Corporation within 15 days from the date of receipt of the policy. Back-dating interest The policies can be dated back within the financial year, as usual. Back-dating interest will be charged at the rate of 9% p.a. for dating back in excess of one month. This rate is subject to revision. The interest shall be charged even where the policy is back dated to a lean month. Surrender values The policy can be surrendered for cash after completion of atleast one policy year. The Guaranteed Surrender Value is equal to 90 per cent of the Single Premium paid excluding extra premium paid and the survival benefits paid earlier.

Time is precious : Do not wait till tomorrow to take an Insurance policy

Bima Bachat (Plan No. - 175)


Illustration specially prepared for

Mr. /Mrs.________________
(Aged 20 years)

Benefits Illustration Summary


Sum Assured Rs.10,00,000 Term of Insurance 9 Years Premium Amount You will be paying a Single premium of Rs.6,59,830 for a

A SINGLE PREMIUM money back plan. 9, 12 or 15 years term Money Back Plan with Survival Benefits every 3 years.

period of 1 years. The total amount that you will pay throughout the term of this policy is Rs.6,59,830. Cash Flow Benefits Year 2016 2019 2022 Guaranteed 1,50,000 1,50,000 6,59,830 2,43,000 Variable Description Survival Benefit Survival Benefit Maturity

LIFE COVER for full Sum Assured even if survival benefits are paid.

A total of Rs.12,02,830 (estimated) can be expected through the term of this policy Liquidity single premium - loan available from 2nd yr Life Risk Cover In this policy your Life Risk Cover will start at Rs.10,00,000. By virtue of bonus getting added every year, your risk cover will grow to Rs.10,00,000 in the year 2021 when your age will be 28. Tax Savings For each year of premium payment you will save Rs.30,900 under Sec.80(C). Yield The nett return works out to 8.12% (pre-tax) & 8.81% (post-tax)

On maturity, Single premium (excluding extra premium) along with Loyalty Additions will be paid.

Premium paid are TAX EXEMPTED u/s 80 C.

Plan Parameters
Age Term SA Modes Allowed Min - 15 & Max - 66 Min - 9 & Max - 15 Min - 20000 & Max - No Limit Sng,

Presented by

ANANDARAMAN.R,B.Com
Agent - LIC of India (The Life Insurance Specialist) #209, FIRST FLOOR, CHETTY STREET, PONDICHERRY- 605 001 Mobile : +919843146519 E-Mail : anandaraman.lic@htomail.com

The above presentation is based on certain assumptions which are liable to change according to Government/Corporation's policies.

ANANDARAMAN.R,B.Com
Agent - LIC of India (The Life Insurance Specialist)
#209, FIRST FLOOR, CHETTY STREET, PONDICHERRY- 605 001 Mobile : +919843146519 E-Mail : anandaraman.lic@htomail.com

Specific Plan Presentation for Mr. /Mrs.________________ Aged 20 years


Forecast of Insurance Benefits
Mode of Premium Installment Premium Date of Report Term Single 659830 18/06/2013 9 Accident Cover Crit. Illness Cover Premium Waiver Benefit

Risk Covered
0 0 0

Policy Year

Risk Cover Age (Natural Death) 10,00,000 10,00,000 10,00,000 10,00,000 10,00,000 10,00,000 10,00,000 10,00,000 10,00,000 0

Premium 6,59,830 0 0 0 0 0 0 0 0 0 6,59,830

Tax Saved 30,900 0 0 0 0 0 0 0 0 0

Net Premium 6,28,930 0 0 0 0 0 0 0 0 0 6,28,930

Gauranteed Returns 0 0 0 1,50,000 0 0 1,50,000 0 0 6,59,830 9,59,830

Non Gauranteed Returns 0 0 0 0 0 0 0 0 0 2,43,000 2,43,000

Cash Flow -6,59,830 0 0 1,50,000 0 0 1,50,000 0 0 9,02,830 5,43,000

Cash Value 4,61,881 5,95,496 6,28,488 5,54,257 5,87,248 6,20,240 5,47,658 5,80,650 6,13,641 0

Loan Available 4,15,750 5,36,000 5,65,750 4,98,750 5,28,500 5,58,250 4,93,000 5,22,500 5,52,250 0

18/06/13 20 18/06/14 21 18/06/15 22 18/06/16 23 18/06/17 24 18/06/18 25 18/06/19 26 18/06/20 27 18/06/21 28 18/06/22 29

Yield on Investments (Pre Tax) : 8.12 %


K e y
Personal Data: Income Tax: Projections: DOB: 01/01/1993 Sec. 80CCE Limit Available: 100000 Sec. 80D Limit Available: 10000 Tax Savings on premiums will be @ 30.90 % u/s 80CCE and @ 30.90 % u/s 80D Bonus: On applicable plans, last declared Interim Bonus has been considered for the purpose of projected Riskcover, Returns, Cash Value and Loan calculations Terminal Bonus: On applicable plans Terminal Bonus has been considered (On applicable plans last declared Terminal Bonus Rates have been considered in the above calculations). Loyalty Addition: An estimated Loyalty addition has been considered on applicable plans. The estimation is only for the purpose of understanding the benefits of this illustration and is purely indicative / non-guaranteed. Final figures may differ as per the actual experience of the plan performance by L.I.C. of India. A 10 % scenario has been considered while estimating the loyalty addition in this illustration.

A s s u mp t i o n s

Bima Bachat (Plan No. - 175)


Illustration specially prepared for

Mr. /Mrs.________________
(Aged 20 years)

Benefits Illustration Summary


Sum Assured Rs.10,00,000 Term of Insurance 12 Years Premium Amount You will be paying a Single premium of Rs.6,59,830 for a

A SINGLE PREMIUM money back plan. 9, 12 or 15 years term Money Back Plan with Survival Benefits every 3 years.

period of 1 years. The total amount that you will pay throughout the term of this policy is Rs.6,59,830. Cash Flow Benefits Year 2016 2019 2022 2025 Guaranteed 1,50,000 1,50,000 1,50,000 6,59,830 4,08,000 Variable Description Survival Benefit Survival Benefit Survival Benefit Maturity

LIFE COVER for full Sum Assured even if survival benefits are paid.

A total of Rs.15,17,830 (estimated) can be expected through the term of this policy Liquidity single premium - loan available from 2nd yr Life Risk Cover In this policy your Life Risk Cover will start at Rs.10,00,000. By virtue of bonus getting added every year, your risk cover will grow to Rs.10,00,000 in the year 2024 when your age will be 31. Tax Savings For each year of premium payment you will save Rs.30,900 under Sec.80(C). Yield The nett return works out to 8.90% (pre-tax) & 9.46%

On maturity, Single premium (excluding extra premium) along with Loyalty Additions will be paid.

Premium paid are TAX EXEMPTED u/s 80 C.

Plan Parameters
Age Term SA Modes Allowed Min - 15 & Max - 66 Min - 9 & Max - 15 Min - 20000 & Max - No Limit Sng,

(post-tax)

Presented by

ANANDARAMAN.R,B.Com
Agent - LIC of India (The Life Insurance Specialist) #209, FIRST FLOOR, CHETTY STREET, PONDICHERRY- 605 001 Mobile : +919843146519 E-Mail : anandaraman.lic@htomail.com

The above presentation is based on certain assumptions which are liable to change according to Government/Corporation's policies.

ANANDARAMAN.R,B.Com
Agent - LIC of India (The Life Insurance Specialist)
#209, FIRST FLOOR, CHETTY STREET, PONDICHERRY- 605 001 Mobile : +919843146519 E-Mail : anandaraman.lic@htomail.com

Specific Plan Presentation for Mr. /Mrs.________________ Aged 20 years


Forecast of Insurance Benefits
Mode of Premium Installment Premium Date of Report Term Single 659830 18/06/2013 12 Accident Cover Crit. Illness Cover Premium Waiver Benefit

Risk Covered
0 0 0

Policy Year

Risk Cover Age (Natural Death) 10,00,000 10,00,000 10,00,000 10,00,000 10,00,000 10,00,000 10,00,000 10,00,000 10,00,000 10,00,000 10,00,000 10,00,000 0

Premium 6,59,830 0 0 0 0 0 0 0 0 0 0 0 0 6,59,830

Tax Saved 30,900 0 0 0 0 0 0 0 0 0 0 0 0

Net Premium 6,28,930 0 0 0 0 0 0 0 0 0 0 0 0 6,28,930

Gauranteed Returns 0 0 0 1,50,000 0 0 1,50,000 0 0 1,50,000 0 0 6,59,830 11,09,830

Non Gauranteed Returns 0 0 0 0 0 0 0 0 0 0 0 0 4,08,000 4,08,000

Cash Flow -6,59,830 0 0 1,50,000 0 0 1,50,000 0 0 1,50,000 0 0 10,67,830 8,58,000

Cash Value 4,61,881 5,95,496 6,28,488 5,54,257 5,87,248 6,20,240 5,47,658 5,80,650 6,13,641 5,41,060 5,67,453 5,95,496 0

Loan Available 4,15,750 5,36,000 5,65,750 4,98,750 5,28,500 5,58,250 4,93,000 5,22,500 5,52,250 4,87,000 5,10,750 5,36,000 0

18/06/13 20 18/06/14 21 18/06/15 22 18/06/16 23 18/06/17 24 18/06/18 25 18/06/19 26 18/06/20 27 18/06/21 28 18/06/22 29 18/06/23 30 18/06/24 31 18/06/25 32

Yield on Investments (Pre Tax) : 8.90 %


K e y
Personal Data: Income Tax: Projections: DOB: 01/01/1993 Sec. 80CCE Limit Available: 100000 Sec. 80D Limit Available: 10000 Tax Savings on premiums will be @ 30.90 % u/s 80CCE and @ 30.90 % u/s 80D Bonus: On applicable plans, last declared Interim Bonus has been considered for the purpose of projected Riskcover, Returns, Cash Value and Loan calculations Terminal Bonus: On applicable plans Terminal Bonus has been considered (On applicable plans last declared Terminal Bonus Rates have been considered in the above calculations). Loyalty Addition: An estimated Loyalty addition has been considered on applicable plans. The estimation is only for the purpose of understanding the benefits of this illustration and is purely indicative / non-guaranteed. Final figures may differ as per the actual experience of the plan performance by L.I.C. of India. A 10 % scenario has been considered while estimating the loyalty addition in this illustration.

A s s u mp t i o n s

Bima Bachat (Plan No. - 175)


Illustration specially prepared for

Mr. /Mrs.________________
(Aged 20 years)

Benefits Illustration Summary


Sum Assured Rs.10,00,000 Term of Insurance 15 Years Premium Amount You will be paying a Single premium of Rs.6,59,830 for a

A SINGLE PREMIUM money back plan. 9, 12 or 15 years term Money Back Plan with Survival Benefits every 3 years.

period of 1 years. The total amount that you will pay throughout the term of this policy is Rs.6,59,830. Cash Flow Benefits Year 2016 2019 2022 2025 2028 Guaranteed 1,50,000 1,50,000 1,50,000 1,50,000 6,59,830 6,00,000 Variable Description Survival Benefit Survival Benefit Survival Benefit Survival Benefit Maturity

LIFE COVER for full Sum Assured even if survival benefits are paid.

On maturity, Single premium (excluding extra premium) along with Loyalty Additions will be paid.

A total of Rs.18,59,830 (estimated) can be expected through the term of this policy Liquidity single premium - loan available from 2nd yr Life Risk Cover In this policy your Life Risk Cover will start at Rs.10,00,000. By virtue of bonus getting added every year, your risk cover will grow to Rs.10,00,000 in the year 2027 when your age will be 34. Tax Savings For each year of premium payment you will save Rs.30,900 under Sec.80(C). Yield The nett return works out to 9.21% (pre-tax) & 9.69% (post-tax)

Premium paid are TAX EXEMPTED u/s 80 C.

Plan Parameters
Age Term SA Modes Allowed Min - 15 & Max - 66 Min - 9 & Max - 15 Min - 20000 & Max - No Limit Sng,

Presented by

ANANDARAMAN.R,B.Com
Agent - LIC of India (The Life Insurance Specialist) #209, FIRST FLOOR, CHETTY STREET, PONDICHERRY- 605 001 Mobile : +919843146519 E-Mail : anandaraman.lic@htomail.com

The above presentation is based on certain assumptions which are liable to change according to Government/Corporation's policies.

ANANDARAMAN.R,B.Com
Agent - LIC of India (The Life Insurance Specialist)
#209, FIRST FLOOR, CHETTY STREET, PONDICHERRY- 605 001 Mobile : +919843146519 E-Mail : anandaraman.lic@htomail.com

Specific Plan Presentation for Mr. /Mrs.________________ Aged 20 years


Forecast of Insurance Benefits
Mode of Premium Installment Premium Date of Report Term Single 659830 18/06/2013 15 Accident Cover Crit. Illness Cover Premium Waiver Benefit

Risk Covered
0 0 0

Policy Year

Risk Cover Age (Natural Death) 10,00,000 10,00,000 10,00,000 10,00,000 10,00,000 10,00,000 10,00,000 10,00,000 10,00,000 10,00,000 10,00,000 10,00,000 10,00,000 10,00,000 10,00,000 0

Premium 6,59,830 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 6,59,830

Tax Saved 30,900 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Net Premium 6,28,930 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 6,28,930

Gauranteed Returns 0 0 0 1,50,000 0 0 1,50,000 0 0 1,50,000 0 0 1,50,000 0 0 6,59,830 12,59,830

Non Gauranteed Returns 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 6,00,000 6,00,000

Cash Flow -6,59,830 0 0 1,50,000 0 0 1,50,000 0 0 1,50,000 0 0 1,50,000 0 0 12,59,830 12,00,000

Cash Value 4,61,881 5,95,496 6,28,488 5,54,257 5,87,248 6,20,240 5,47,658 5,80,650 6,13,641 5,41,060 5,67,453 5,95,496 5,34,462 5,74,052 6,13,641 0

Loan Available 4,15,750 5,36,000 5,65,750 4,98,750 5,28,500 5,58,250 4,93,000 5,22,500 5,52,250 4,87,000 5,10,750 5,36,000 4,81,000 5,16,750 5,52,250 0

18/06/13 20 18/06/14 21 18/06/15 22 18/06/16 23 18/06/17 24 18/06/18 25 18/06/19 26 18/06/20 27 18/06/21 28 18/06/22 29 18/06/23 30 18/06/24 31 18/06/25 32 18/06/26 33 18/06/27 34 18/06/28 35

Yield on Investments (Pre Tax) : 9.21 %


K e y
Personal Data: Income Tax: Projections: DOB: 01/01/1993 Sec. 80CCE Limit Available: 100000 Sec. 80D Limit Available: 10000 Tax Savings on premiums will be @ 30.90 % u/s 80CCE and @ 30.90 % u/s 80D Bonus: On applicable plans, last declared Interim Bonus has been considered for the purpose of projected Riskcover, Returns, Cash Value and Loan calculations Terminal Bonus: On applicable plans Terminal Bonus has been considered (On applicable plans last declared Terminal Bonus Rates have been considered in the above calculations). Loyalty Addition: An estimated Loyalty addition has been considered on applicable plans. The estimation is only for the purpose of understanding the benefits of this illustration and is purely indicative / non-guaranteed. Final figures may differ as per the actual experience of the plan performance by L.I.C. of India. A 10 % scenario has been considered while estimating the loyalty addition in this illustration.

A s s u mp t i o n s