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Wealth Plus is a brand new innovation from the most trusted brand in Life Insurance, Life Insurance Corporation

of India. This exceedingly exciting ULIP plan gives you a unique and a never before opportunity to insure yourself
and grow your investment in the booming stock market with an element of guarantee.

Look at the following to believe the great benefits that this plan has to offer:

l Experience the fortunes of the stock market with full confidence.

l Wealth Plus is a close-ended ULIP Plan available in a fixed term of 8 years.

l You can choose to pay a single premium or opt for a 3 year premium term in yearly, half yearly, quarterly & monthly
(ECS) modes.

l This plan levies very moderate allocation charges, which means that your premium investment gets more units for you.

l You accumulate fund units with each premium payment. Nominal deductions in units are made to cover the administration
costs and your life insurance risk.

l At the end of the term you get the fund value. The fund value is calculated on the basis of HIGHEST NAV during the first 7
years or on the date of maturity whichever is greater.

l Your life risk cover continues for 2 more years after the maturity payment is made to you.

l On death the nominee will be paid full sum assured plus the fund value as per the NAV on the date of claim.

l Accident Death benefit rider available at a discounted rate of Rs. 0.50 per 1000 of sum assured.

l You can do Partial Withdrawals at any time after the third anniversary of the policy. Upto 2 partial withdrawals are
allowed in each year.

l The policy can be surrendered without any surrender charge after the third anniversary of the policy. Surrender value will
be the fund value of the balance units as per the NAV on the date of surrendering.
l No limit on the maximum premium.

l Limited availability !!! This plan is available for sale only for 3 months starting 9th February 2010.

Conditions governing the Benefits Illustration shown in the subsequent pages


i) The benefits shown in the illustration on subsequent pages are calculated on the assumption that the Projected Investment Rate of Return
that LICI will be able to earn throughout the term of the policy will be 6% p.a. or 10% p.a., as the case may be. The Projected Investment Rate
of Return is not guaranteed.
ii) The main objective of the illustration is that the client is able to appreciate the features of the product and the flow of benefits in different
circumstances with some level of quantification. While the presenter has taken full care to give correct picture of benefits, the presenter does
not undertake any responsibilities of inaccuracies that might have reflected in the illustration.

Presentation specially prepared for


Mr. Bankim Doshi Risks Covered

Present age : 40 yrs Basic Life Cover : Rs. 5000000

Annualized Premium : Rs.1000000 Accident Cover : Rs. 5000000

Presented by:
NEETA BANKIM DOSHI
Insurance Advisor
702 Adinath Tower,
Sudha Park ,Garodia Nagar,
Mumbai - 400 0077
Office 42444002 Mobile 9821014796 Res 25061899
NEETA BANKIM DOSHI
Insurance Advisor

702 Adinath Tower,


Sudha Park ,Garodia Nagar,
Mumbai - 400 0077
Office 42444002 Mobile 9821014796 Res 25061899

Wealth Plus Plan Presentation For Mr. Bankim Doshi aged 40 years

Risk Covered
Mode of Premium : Yearly
Installment Premium : Rs. 1000000 Life Cover : Rs. 5000000
Date of Report : 16/02/2010 Accident Cover : Rs. 5000000
Term : 8

Growth of Wealth Plus fund under Scenario I-6%**

End of Total
Policy Annual Premium Fund/Cash Death Service
Year Age Premium Paid Value Benefit Charges Tax Total

1 41 1000000 1000000 887385 * 5887385 148642 15310 163953


2 42 1000000 2000000 1915367 * 6915367 74341 7657 81998
3 43 1000000 3000000 2988907 * 7988907 88574 9123 97697
4 44 - 3000000 3094497 8094497 64981 6693 71674
5 45 - 3000000 3204753 8204753 66453 6845 73298
6 46 - 3000000 3319885 8319885 67990 7003 74993
7 47 - 3000000 3440105 8440105 69593 7168 76761
8 48 - 3000000 3565645 8565645 71265 7340 78605
9 49 5000000
10 50 5000000

** Subject to conditions printed on the cover page.


* Amount is available for surrender after completion of first three years.
# You will receive the maturity amount of Rs. 3565645 in the year 2018 .

* For private circulation only


NEETA BANKIM DOSHI
Insurance Advisor

702 Adinath Tower,


Sudha Park ,Garodia Nagar,
Mumbai - 400 0077
Office 42444002 Mobile 9821014796 Res 25061899

Wealth Plus Plan Presentation For Mr. Bankim Doshi aged 40 years

Risk Covered
Mode of Premium : Yearly
Installment Premium : Rs. 1000000 Life Cover : Rs. 5000000
Date of Report : 16/02/2010 Accident Cover : Rs. 5000000
Term : 8

Details of Charges Under Scenario I-6 %

Risk Charges Other Charges

Life Cover Accident Cover

Fund Guarantee Service


Year Age Rate Amount Rate Amount Allocation Admin Mgnt. Charges Tax Total

2010 41 4.20 21000 0.50 2500 112500 720 8832 3091 15310 163953
2011 42 4.20 21000 0.50 2500 25000 300 18919 6623 7657 81998
2012 43 4.20 21000 0.50 2500 25000 309 29457 10309 9123 97697
2013 44 4.20 21000 0.50 2500 - 318 30493 10670 6693 71674
2014 45 4.20 21000 0.50 2500 - 328 31575 11050 6845 73298
2015 46 4.20 21000 0.50 2500 - 338 32707 11445 7003 74993
2016 47 4.20 21000 0.50 2500 - 348 33888 11858 7168 76761
2017 48 4.20 21000 0.50 2500 - 358 35118 12288 7340 78605

* For private circulation only


NEETA BANKIM DOSHI
Insurance Advisor

702 Adinath Tower,


Sudha Park ,Garodia Nagar,
Mumbai - 400 0077
Office 42444002 Mobile 9821014796 Res 25061899

Wealth Plus Plan Presentation For Mr. Bankim Doshi aged 40 years

Risk Covered
Mode of Premium : Yearly
Installment Premium : Rs. 1000000 Life Cover : Rs. 5000000
Date of Report : 16/02/2010 Accident Cover : Rs. 5000000
Term : 8

Growth of Wealth Plus fund under Scenario II-10%**

End of Total
Policy Annual Premium Fund/Cash Death Service
Year Age Premium Paid Value Benefit Charges Tax Total

1 41 1000000 1000000 921343 * 5921343 148888 15335 164223


2 42 1000000 2000000 2024910 * 7024910 75345 7760 83105
3 43 1000000 3000000 3220874 * 8220874 90936 9366 100303
4 44 - 3000000 3463120 8463120 69103 7118 76221
5 45 - 3000000 3725639 8725638 72534 7471 80005
6 46 - 3000000 4010131 9010131 76248 7854 84101
7 47 - 3000000 4318431 9318431 80277 8268 88545
8 48 - 3000000 4652536 9652536 84638 8718 93356
9 49 5000000
10 50 5000000

** Subject to conditions printed on the cover page.


* Amount is available for surrender after completion of first three years.
# You will receive the maturity amount of Rs.4652536 in the year 2018.

* For private circulation only


NEETA BANKIM DOSHI
Insurance Advisor

702 Adinath Tower,


Sudha Park ,Garodia Nagar,
Mumbai - 400 0077
Office 42444002 Mobile 9821014796 Res 25061899

Wealth Plus Plan Presentation For Mr. Bankim Doshi aged 40 years

Risk Covered
Mode of Premium : Yearly
Installment Premium : Rs. 1000000 Life Cover : Rs. 5000000
Date of Report : 16/02/2010 Accident Cover : Rs. 5000000
Term : 8

Details of Charges Under Scenario II-10 %

Risk Charges Other Charges

Life Cover Accident Cover

Fund Guarantee Service


Year Age Rate Amount Rate Amount Allocation Admin Mgnt. Charges Tax Total

2010 41 4.20 21000 0.50 2500 112500 720 9013 3154 15335 164223
2011 42 4.20 21000 0.50 2500 25000 300 19663 6882 7760 83105
2012 43 4.20 21000 0.50 2500 25000 309 31206 10922 9366 100303
2013 44 4.20 21000 0.50 2500 - 318 33545 11740 7118 76221
2014 45 4.20 21000 0.50 2500 - 328 36080 12626 7471 80005
2015 46 4.20 21000 0.50 2500 - 338 38824 13587 7854 84101
2016 47 4.20 21000 0.50 2500 - 348 41802 14628 8268 88545
2017 48 4.20 21000 0.50 2500 - 358 45026 15755 8718 93356

* For private circulation only


NEETA BANKIM DOSHI
Insurance Advisor

702 Adinath Tower,


Sudha Park ,Garodia Nagar,
Mumbai - 400 0077
Office 42444002 Mobile 9821014796 Res 25061899

Wealth Plus Plan Presentation For Mr. Bankim Doshi aged 40 years

Risk Covered
Mode of Premium : Yearly
Installment Premium : Rs. 1000000 Life Cover : Rs. 5000000
Date of Report : 16/02/2010 Accident Cover : Rs. 5000000
Term : 8

Growth of Wealth Plus fund based on LIC'S performance in Market Plus - I - Balanced
Fund

Market Plus - I - Balanced Fund of LIC was launched on 17/06/2008. The units became NAV based (initial NAV of
Rs 10) on 17/06/2008. Current NAV of Wealth Plus fund as on 16-Feb-2010. is Rs. 12.1000 Average annual
growth is : 11.49%

If we hypothetically assume similar performance of LIC in managing the fund of Wealth Plus, then the benefits
can be projected as under:

End of Total
Policy Annual Premium Fund/Cash Death Service
Year Age Premium Paid Value Benefit Charges Tax Total

1 41 1000000 1000000 934011 * 5934011 148978 15345 164323


2 42 1000000 2000000 2066456 * 7066456 75722 7799 83521
3 43 1000000 3000000 3310364 * 8310364 91839 9459 101298
4 44 0 3000000 3608558 8608558 70712 7283 77995
5 45 0 3000000 3936091 8936091 74963 7721 82684
6 46 0 3000000 4295859 9295859 79629 8202 87831
7 47 0 3000000 4691024 9691024 84761 8730 93491
8 48 0 3000000 5130957 10130960 85154 8771 93925
9 49 5000000
10 50 5000000

* Amount is available for surrender after completion of first three years.


# You will receive the maturity amount of Rs.5130957 in the year 2018.

## The above illustration is purely indicative. The fund management of Wealth Plus is independent of Market Plus - I - Balanced
Fund and therefore Wealth Plus results can vary significantly.

## The past performance is not indication of future returns. Sustainance of such growth in future is dependant on market
conditions and hence cannot be guaranteed.

* For private circulation only


NEETA BANKIM DOSHI
Insurance Advisor

702 Adinath Tower,


Sudha Park ,Garodia Nagar,
Mumbai - 400 0077
Office 42444002 Mobile 9821014796 Res 25061899

Wealth Plus Plan Presentation For Mr. Bankim Doshi aged 40 years

Risk Covered
Mode of Premium : Yearly
Installment Premium : Rs. 1000000 Life Cover : Rs. 5000000
Date of Report : 16/02/2010 Accident Cover : Rs. 5000000
Term : 8

Details of Charges Under Wealth Plus fund based on LIC's performance in Market Plus - I
- Balanced Fund

Risk Charges Other Charges

Life Cover Accident Cover

Fund Guarantee Service


Year Age Rate Amount Rate Amount Allocation Admin Mgnt. Charges Tax Total

2010 41 4.20 21000 0.50 2500 112500 720 9080 3178 15345 164323
2011 42 4.20 21000 0.50 2500 25000 300 19943 6979 7799 83521
2012 43 4.20 21000 0.50 2500 25000 309 31876 11155 9459 101298
2013 44 4.20 21000 0.50 2500 - 318 34737 12156 7283 77995
2014 45 4.20 21000 0.50 2500 - 328 37880 13256 7721 82684
2015 46 4.20 21000 0.50 2500 - 338 41330 14461 8202 87831
2016 47 4.20 21000 0.50 2500 - 348 45123 15791 8730 93491
2017 48 4.20 15750 0.50 2500 - 358 49297 17250 8771 93925

* For private circulation only


NEETA BANKIM DOSHI
Insurance Advisor

702 Adinath Tower,


Sudha Park ,Garodia Nagar,
Mumbai - 400 0077
Office 42444002 Mobile 9821014796 Res 25061899

Wealth Plus Plan Presentation For Mr. Bankim Doshi aged 40 years

Mode of Premium : Yearly Risk Covered


Installment Premium : Rs.1000000
Life Cover : 5000000
Date of Report : 16/02/2010
Accident Cover : 5000000
Term : 8

What If Analysis of Wealth Plus

LIC's Bima Plus ULIP plan was introduced on 02/02/2001. If we assume that the NAV performance of Wealth Plus Fund will be
same as that of Bima Plus - Balanced Fund in the first 8 years, then your benefits of investment in Wealth Plus policy can be
forecasted as under:

Units Alloted & Deducted

Projected Premium Allocation Opening Units Units Closing Risk Cover


Date NAV Invested Charges Balance Alloted Deducted Balance (End of yr.)

16/02/2010 12:00:00AM
10.0000 10,00,000 112,500 88,750.000 88,750.000 3,838.037 84,911.963 59,26,814
16/02/2011 12:00:00AM
10.9150 20,00,000 25,000 174,238.578 89,326.615 2,572.403 171,666.175 71,10,962
16/02/2012 12:00:00AM
12.2969 30,00,000 25,000 250,954.452 79,288.277 2,120.502 248,833.950 90,29,592
16/02/2013 12:00:00AM
16.1939 30,00,000 0 248,833.950 0.000 1,735.101 247,098.849 92,74,390
16/02/2014 12:00:00AM
17.2983 30,00,000 0 247,098.849 0.000 1,472.759 245,626.090 99,80,781
16/02/2015 12:00:00AM
20.2779 30,00,000 0 245,626.090 0.000 1,162.671 244,463.419 1,17,27,022
16/02/2016 12:00:00AM
27.5175 30,00,000 0 244,463.419 0.000 954.502 243,508.917 1,21,71,362
16/02/2017 12:00:00AM
29.4501 30,00,000 0 243,508.917 0.000 956.078 242,552.839 1,11,87,305
16/02/2018 12:00:00AM 242552.839 units redeemed for maturity @ 32.3881 = Rs.78,55,826 50,00,000

16/02/2019 12:00:00AM Free extended cover of Rs.50,00,000 for 2 more years 50,00,000

Projected NAV trends of Wealth Plus


Summary of Benefits
(Derived from historical performance of Bima Plus - Balanced Fund)

Amount Invested Rs.30,00,000 in 1st 3 Years

Maturity Date 16/02/2018

Highest Projected NAV 32.3881


during first 7 years

Projected NAV on Maturity 25.5091


Date

Closing Balance of Units on 242552.839


Maturity Date

Maturity Amount Rs.78,55,826 (242552.839 x 32.3881

Yield on investments 14.64%

4 Projected NAV is derived from the actual historical performance of Bima Plus - Balanced Fund since its inception. This is done to illustrate the possible benefits
that can arise from Wealth Plus policy if the NAV performance of Wealth Plus fund in future is identical to the historical performance of Bima Plus - Balanced
Fund . Actual benefits will depend on the actual performance of the Wealth Plus fund and thus the above results may vary.

4 Units Deducted column indicates the total units deducted during the year on account of Policy Admin charges, Mortality Charges, Accident Benefit Charges &
Government Service Tax.
Risk Cover is indicated as the normal death cover at end of the year. For accidental death there is an additional cover of Rs. 5000000
4

* For private circulation only