Evaluation of Retirement plan

Amount paid : 100000 per year

Discount Factor: 10%
No.of years: 20
AIA Insurance
Option 01 Option 02 Option 03
PV of Total payments for 20 years at 10% 851,356 851,356 851,356
PV of dividend 542,580 735,283 1,048,364
Profit/(LOSS) 308,776 116,073 197,008
LOSS LOSS Profit

Other

in case of a death, they will pay the

installments for the balance
period.However, payment will be made at
retirement age.Many health benefits are
also available

Option-1: 4% dividend payment=3651276

Option-2: 8% dividend payment=4948069
Option-3: 12% dividend payment=7054940

NOTE-01: This is calculated based on 7.25% Interest rate (current CBSL SDFR rate)
NOTE-02 : This is calculated based on 7.00% interest rate
NOTE-03: This is caluclated based on 9.00% interest rate

Conclusion:
All Retirement benefits are not profitable.However, in case of early death it is benificial.When comparing all three options, A
Since they pay remaining installment in case of a death.Further, they have health benefits scheme also.
 NSB Ceylinco
Option 01 Option 02
851,356 851,356 851,356
626,084 609,193 760,239
225,272 242,163 91,117
LOSS LOSS LOSS
NOTE-01 NOTE-2 NOTE-3

Ceylinco Life Retirement Plan

policyholders will be eligible
Account holders of for additional rewards as a
NSB Pension+ tribute for their loyalty. All
Scheme are entitled policyholders stand a chance
to a Medical to take part in the Ceylinco Life
Reimbursement Family Savari consumer
facility promotion.

comparing all three options, AIA is having the better other benefits scheme