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HARISH CHAND

Delhi LIC Agent

577, GH-9, PASCHIM VIHAR


NEW DELHI- 110087
INDIA, 9811896425, 9212201725
www.delhiLICagent.com

Jeevan Saral Plan Presentation


Date : 27/07/2010
HIGHLIGHTS

LIC’s Jeevan Saral is a unique plan having good features of the conventional plans and
the flexibility of unit linked plans. To the policyholder it provides —
· higher cover
· a smooth return,
· liquidity and
· a lot of flexibility

BENEFITS:
On death:
· 250 times the monthly premium, plus
· return of premiums excluding extra/rider premium and first year premium,
plus
· the loyalty addition, if any.
On Maturity:
· Maturity sum assured, plus
· The Loyalty Additions, if any

Special Features:
· High risk cover at low premium
· Extended risk cover for one year after 3 years premium payment.
· Optional higher cover through Term Riders
· The policyholder can choose a maximum term but can surrender at any time
without any surrender penalty or loss after 5 years
· Any number of withdrawals through partial surrendering

ELIGIBILITY CONDITIONS AND OTHER RESTRICTIONS:


· Age at entry : Minimum 12 (completed) and maximum 60 years nearest
· Age at maturity: Maximum 70 years.
· Term : All terms from 10 to 35 years.
· Premium : Minimum premium of Rs.250/- per month for entry age
upto 49 years and Rs.400/- per month for entry age 50
years and above. There will be no limit on the maximum
premium per month.
· Mode : Yearly, Half-yearly, Quarterly and Monthly under Salary
Saving Scheme

In case of term rider, minimum and maximum age at entry will be 18 and 50 years
respectively. Further minimum sum assured will be Rs.1 lakh.

The above statement is based on certain assumptions which are


liable to change according to Government/Corporation's policies.
HARISH CHAND
Delhi LIC Agent

577, GH-9, PASCHIM VIHAR


NEW DELHI- 110087
INDIA, 9811896425, 9212201725
www.delhiLICagent.com

Jeevan Saral Plan Presentation


Jeevan Saral Plan Continued ... Pg. 2

Name
Mr.:Sharma Age : 30 years

Term :
15 Years Mode : Monthly

Premium Budget p. m. : 2000 Installment Premium : 2000

Term Rider : 0 Term Rider Premium : 0

DAB : 500000 DAB Premium : 42

Total Installment Premium : 2042 Total Annual Premium : 24504

Section 80 CCE Invst. Limit : 100000 Section 80 CCE Tax Savings : 33.99 %

Risk Cover Benefits

DEATH BENEFIT

Variable Total
Annual Tax Nett Total
Year Age Premium Saved Premium Premium Paid Guaranteed Scenario1 Scenario2 Scenario1 Scenario2
2010 30 24504 8329 16175 16175 500000 0 0 500000 500000
2011 31 24504 8329 16175 32350 524000 0 0 524000 524000
2012 32 24504 8329 16175 48525 548000 0 0 548000 548000
2013 33 24504 8329 16175 64700 572000 0 0 572000 572000
2014 34 24504 8329 16175 80875 596000 0 0 596000 596000
2015 35 24504 8329 16175 97050 620000 0 0 620000 620000
2016 36 24504 8329 16175 113225 644000 0 0 644000 644000
2017 37 24504 8329 16175 129400 668000 0 0 668000 668000
2018 38 24504 8329 16175 145575 692000 0 0 692000 692000
2019 39 24504 8329 16175 161750 716000 35000 90000 751000 806000
2020 40 24504 8329 16175 177925 740000 40000 100000 780000 840000
2021 41 24504 8329 16175 194100 764000 45500 115000 809500 879000
2022 42 24504 8329 16175 210275 788000 51500 137500 839500 925500
2023 43 24504 8329 16175 226450 812000 58000 167500 870000 979500
2024 44 24504 8329 16175 242625 836000 65000 205000 901000 1041000

367560 124935 242625

Note : The figures in columns Scenario 1 and Scenario 2 above are non-guaranteed. They are estimated on the assumption of
LIC’s projected investment rate of return of 6% and 10% respectively on the investible portion of the premium.
The Investible portion of the premium is calculated as per LIC's benefit Illustration.

The above statement is based on certain assumptions which are


liable to change according to Government/Corporation's policies.
HARISH CHAND
Delhi LIC Agent

577, GH-9, PASCHIM VIHAR


NEW DELHI- 110087
INDIA, 9811896425, 9212201725
www.delhiLICagent.com

Jeevan Saral Plan Presentation


Jeevan Saral Plan Continued ... Pg. 3

Name
Mr.:Sharma Age : 30 years

Term :
15 Years Mode : Monthly

Premium Budget p. m. : 2000 Installment Premium : 2000

Term Rider : 0 Term Rider Premium : 0

DAB : 500000 DAB Premium : 42

Total Installment Premium : 2042 Total Annual Premium : 24504

Section 80 CCE Invst. Limit : 100000 Section 80 CCE Tax Savings : 33.99 %

Maturity / Surrender Value Benefits

MATURITY / SURRENDER VALUE BENEFIT

Variable Total
Annual Tax Nett Total
Year Age Premium Saved Premium Premium Paid Guaranteed Scenario1 Scenario2 Scenario1 Scenario2
2010 30 24504 8329 16175 16175 0 0 0 0 0
2011 31 24504 8329 16175 32350 0 0 0 0 0
2012 32 24504 8329 16175 48525 40976 0 0 40976 40976
2013 33 24504 8329 16175 64700 65592 0 0 65592 65592
2014 34 24504 8329 16175 80875 94520 0 0 94520 94520
2015 35 24504 8329 16175 97050 117580 0 0 117580 117580
2016 36 24504 8329 16175 113225 141620 0 0 141620 141620
2017 37 24504 8329 16175 129400 166680 0 0 166680 166680
2018 38 24504 8329 16175 145575 192940 0 0 192940 192940
2019 39 24504 8329 16175 161750 221060 35000 90000 256060 311060
2020 40 24504 8329 16175 177925 250980 40000 100000 290980 350980
2021 41 24504 8329 16175 194100 280920 45500 115000 326420 395920
2022 42 24504 8329 16175 210275 313280 51500 137500 364780 450780
2023 43 24504 8329 16175 226450 348020 58000 167500 406020 515520
2024 44 24504 8329 16175 242625 386000 65000 205000 451000 591000

367560 124935 242625

Note : The figures in columns Scenario 1 and Scenario 2 above are non-guaranteed. They are estimated on the assumption of
LIC’s projected investment rate of return of 6% and 10% respectively on the investible portion of the premium.
The Investible portion of the premium is calculated as per LIC's benefit Illustration.

The above statement is based on certain assumptions which are


liable to change according to Government/Corporation's policies.