Mr Vinay Kumar

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

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 Vinay Kumar

Age: 31

Date: 16/04/2015

Plan 830: Limited Premium Endowment Plan

Limited Premium Endowment Plan (Plan No. 830)
LIC has been decided to introduce Limited Premium Endowment Plan (Plan No. 830) with effect from
9th Dec, 2014. This is a limited premium paying conventional With-Profits Endowment Assurance
plan.

Features
Benefits :
Death BenefitsOn death of policy holder during the policy period, his or her nominee will receive Sum Assured on
Death+Accumulated Bonus and Final Additional Bonus if declared by LIC.
Sum Assured on Death will be higher of below.
10 times of annualized premium paid.
Absolute amount to be payable i.e 125% of Basic Sum Assured.
Also that such death benefit shall not be less than 105% of all premiums paid as on date of death.
Premium mentioned for this benefit excludes taxes on premium, any extra premium you paid and rider
premiums.
Survival BenefitsIf policy holder survives till the end of policy term then he/she will receive Sum Assured on
Maturity+Bonus+Final Additional Bonus (if declared by LIC). Here Sum Assured on Maturity is equal to
Basic Sum Assured.

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 Vinay Kumar

Age: 31

Date: 16/04/2015

Plan 821: New Money Back Plan - 25 Years

LIC's New Money Back Plan- 25 years is a non-linked With-Profits limited premium payment plan.

Features
Benefits:
a) Death Benefit:
On death of the Life Assured during the policy term, the Death Benefit, defined as sum of "Sum Assured
on Death", vested Simple Reversionary Bonuses and Final Additional Bonus, if any, shall be payable
where, "Sum Assured on Death" is defined as higher of 125% of the Basic Sum Assured or 10 times of
annualized premium
b) Survival Benefit :
On the Life Assured surviving to the end of each of the specified durations i.e 5111,
policy year, 15% of the Basic Sum Assured shall be payable.

10th.

15`& 20`'

c) Maturity Benefit:
On the Life assured surviving the stipulated date of maturity,
40% of the Basic Sum Assured along
with vested Simple Reversionary Bonuses and Final Additional Bonus, if any. shall be payable.

Eligibility Conditions and Restrictions:

For Basic Plan
a)Minimum age at entry
:
13 years (completed)
b)Maximum age at entry
:
45 years (nearest birthday)
c)Maximum age at maturity
:
70 years (nearest birthday)
d)Policy Term
:
: 25 years
e)Premium Paying Term
:
20 years
f) Minimum Basic Sum Assured : 1,00,000/g)Maximum Basic Sum Assured
:
No limit
The Basic Sum Assured shall be in multiples of Rs. 5000/Age at entry for a policyholder is to be taken as age nearest birthday except for minimum age
at entry i.e.
13 years (completed).

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 Vinay Kumar

Date: 16/04/2015

Age: 31

Presentation Details
Plan

Plan Name

830 Limited Premium Endow

821 New Money Back Plan -

Term
/ PPT

Sum
Assured

Bonus

Mode

*Premium

Total
Prem's Paid

Maturity
Year

Maturity
Amount

12/9
25/20

2500000
5000000

40
48

Yly
Yly

258658
299425

2296910
5903238

2027
2040

3700000
9125000

558083

8200149

Total:

7500000

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

830
821

Term

12
25

PPT Rider Name

Rider Sum

Rider
Term

Rider
Premium

Total Prem's
Paid

2500000
2500000

9
20

3125
2875

28125
57500

6000

85625

9 Double Accident Benefit

20 Double Accident Benefit

Total

Agents Copy
Sr.
DOC
No.

Pn / Tm /
PPT

Sum
Assured

Mode
Yearly

Half Yearly

Quaterly

Monthly

SSS/ECS

2500000

258658

130642

65978

21993

21993

2 16/04/2015 821/25/20 5000000

299425

151304

76448

25483

25483

558083

281946

142426

47476

47476

1 15/04/2015 830/12/9

This Presentation is Prepared for Private Circulation only.

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

Per Day

No of
Inst.

708.65

820.34

Single

1528.99

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 Vinay Kumar

Date: 16/04/2015

Age: 31

Return's Spreadsheet
Tax Slab: 30%
Year

Age

Normal
Lifecover

Accident
Lifecover

Annual
Premium

Tax
Saved

Net
Premium

Returns
from LIC

Net Returns

Surrender
Value

Total Loan
Available

2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
2027
2028
2029
2030
2031
2032
2033
2034
2035
2036
2037
2038
2039
2040

31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56

9715000
10055000
10395000
10735000
11075000
11415000
11755000
12095000
12435000
12775000
13115000
13455000
12495000
9610000
9950000
10190000
10430000
10670000
10910000
11250000
11490000
11730000
11970000
12210000
13375000
0

14715000
15055000
15395000
15735000
16075000
16415000
16755000
17095000
17435000
17775000
18115000
18455000
17495000
12110000
12450000
12690000
12930000
13170000
13410000
13750000
13990000
14230000
14470000
14710000
15875000
0

558083
549719
549719
549719
549719
549719
549719
549719
549719
294938
294938
294938
294938
294938
294938
294938
294938
294938
294938
294938
0
0
0
0
0
0

45000
45000
45000
45000
45000
45000
45000
45000
45000
45000
45000
45000
45000
45000
45000
45000
45000
45000
45000
45000
0
0
0
0
0
0

513083
504719
504719
504719
504719
504719
504719
504719
504719
249938
249938
249938
249938
249938
249938
249938
249938
249938
249938
249938
0
0
0
0
0
0

0
0
0
0
0
750000
0
0
0
0
750000
0
3700000
0
0
750000
0
0
0
0
750000
0
0
0
0
9125000

-513083
-504719
-504719
-504719
-504719
245281
-504719
-504719
-504719
-249938
500062
-249938
3450062
-249938
-249938
500062
-249938
-249938
-249938
-249938
750000
0
0
0
0
9125000

0
0
150543
653036
1307462
889638
1225533
1566297
2105323
2700673
2604280
3351515
3885105
1338780
1635099
1197309
1525816
1872865
2239801
2628865
2292606
2518257
2764784
3038675
3375201
1747201

0
0
135489
587732
1176716
800674
1102980
1409667
1894791
2430606
2343852
3016364
3496595
1204902
1471589
1077578
1373234
1685579
2015821
2365979
2063345
2266431
2488306
2734808
3037681
1572481

8200149

900000

7300149

15825000

8524851

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 7.37% with tax benefit.
(*) The above illustration gives an effective yield of 6.27% without tax benefit.

This Presentation is Prepared for Private Circulation only.

The greatest failure is the failure to try

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 Vinay Kumar

Date: 16/04/2015

Age: 31

Summary

Maximum Risk Cover (Normal) 13455000

Maximum Risk Cover (Accidental) 18455000
Total Premium Paid 8200149
Total Tax Saved u/s 80C 900000
NetPremium 7300149
Returns (Maturity and Survival) 15825000
Compounded Value Of Returns 15825000
Additional Gain by Loan Recycling 0
Net Amount In Hand On 16/04/2040 15825000
Yield WithOut Tax Benefit 6.27
Yield With Tax Benefit 7.37

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

1125000

7500000
7200000
1125000

7500000
7200000

This Presentation is Prepared for Private Circulation only.

People are lonely they build walls instead of bridges