Jeevan Saral

Name Thomas

Age 25 Term 20 DAB(Yes=1)

1
Basic Mly premium 500
Select Loyalty Addition
Give LA/000 SA
Manual loyalty addition
750
Assumed LA

1000

✘ Show assumed loyalty addition in risk coverage.

✘ Show return of premium in risk coverage
Give term rider amount of 100000

View report

Created by: LJ Anish,Dev. Officer, LIC.

www.ourlic.blogspot.com mail: anishlj@yahoo.com
BMSA 27814
1 2 3 4 5 6 7 8 9
2566 3650 4737 5898 7107 8370 9703 11121 12643
18 3 4 5 6 7 8 9 10 11
18 2583 3671 4765 5927 7143 8411 9750 11174 12700
19 2581 3665 4757 5922 7131 8397 9742 11165 12690
20 2577 3662 4753 5917 7125 8390 9735 11156 12680
21 2574 3659 4749 5912 7119 8391 9727 11147 12670
22 2570 3656 4745 5908 7113 8384 9718 11147 12671
23 2568 3653 4741 5903 7113 8377 9719 11138 12661
24 2568 3649 4737 5897 7107 8377 9711 11129 12651
25 2566 3650 4737 5898 7107 8370 9703 11121 12643
26 2563 3646 4738 5898 7101 8371 9704 11113 12635
27 2563 3646 4733 5893 7102 8364 9689 11107 12618
28 2563 3646 4733 5893 7097 8359 9683 11091 12601
29 2564 3643 4730 5889 7092 8346 9669 11076 12574
30 2561 3644 4726 5879 7081 8334 9647 11053 12549
31 2559 3637 4718 5870 7064 8315 9627 11020 12503
32 2555 3632 4711 5856 7048 8289 9598 10979 12469
33 2548 3623 4695 5837 7026 8264 9562 10939 12414
34 2542 3610 4680 5819 6998 8225 9517 10889 12359
35 2531 3595 4665 5795 6964 8186 9473 10840 12295
36 2520 3580 4641 5767 6931 8148 9421 10773 12210
37 2509 3562 4614 5733 6891 8095 9362 10707 12127
38 2494 3541 4587 5700 6846 8042 9303 10623 12035
39 2477 3516 4560 5662 6801 7984 9229 10531 11923
40 2459 3492 4524 5619 6744 7919 9139 10431 11802
41 2439 3467 4489 5571 6688 7840 9041 10313 11661
42 2422 3440 4450 5519 6620 7755 8937 10187 11499
43 2398 3403 4404 5456 6541 7657 8817 10033 11329
44 2372 3363 4349 5384 6443 7544 8681 9870 11125
45 2339 3317 4286 5303 6340 7410 8520 9679 10901
46 2301 3265 4215 5211 6225 7269 8351 9479 10654
47 2260 3203 4136 5109 6098 7106 8156 9248 10384
48 2211 3135 4045 4991 5952 6936 7944 8998 10101
49 2158 3061 3945 4868 5799 6744 7714 8726 9795
50 2100 2980 3841 4730 5627 6536 7473 8442 9453
51 2038 2892 3724 4580 5443 6319 7215 8128 9076
52 1971 2798 3599 4420 5250 6093 6938 7794 8653
53 1897 2694 3465 4259 5051 5837 6626 7408 8194
54 1819 2587 3325 4081 4832 5558 6277 6979 7672
55 1736 2475 3181 3893 4587 5256 5893 6508 7087
56 1654 2360 3025 3683 4316 4907 5460 5969 6463
57 1568 2232 2851 3451 4004 4517 4970 5407 5761
58 1473 2091 2651 3181 3659 4068 4460 4744 4922
59 1357 1920 2416 2866 3250 3595 3841 3971 3949
60 1221 1718 2139 2503 2827 3037 3129 3059      
 10 11 12 13 14 15 16 17 18 19
14180 15818 17591 19531 21137 22770 24428 26110 27814 29511
12 13 14 15 16 17 18 19 20 21
14241 15894 17699 19656 21296 22965 24662 26361 28106 29845
14230 15895 17685 19641 21281 22951 24627 26349 28071 29812
14218 15883 17672 19628 21249 22918 24616 26317 28039 29783
14219 15871 17659 19615 21237 22908 24585 26287 28012 29731
14208 15859 17648 19587 21228 22879 24557 26237 27963 29683
14198 15849 17622 19578 21201 22853 24511 26215 27918 29639
14189 15826 17614 19553 21177 22810 24490 26173 27876 29572
14180 15818 17591 19531 21137 22770 24428 26110 27814 29511
14160 15797 17571 19494 21100 22733 24392 26051 27731 29430
14142 15779 17537 19459 21065 22678 24336 25997 27655 29357
14112 15748 17490 19410 21014 22626 24264 25902 27586 29238
14085 15705 17460 19362 20947 22558 24174 25813 27474 29129
14046 15664 17401 19300 20883 22475 24091 25708 27345 28975
14009 15610 17344 19223 20786 22376 23970 25587 27200 28804
13960 15544 17274 19150 20694 22262 23833 25426 27012 28615
13899 15480 17191 19046 20587 22134 23682 25249 26834 28410
13828 15390 17080 18930 20448 21971 23515 25056 26614 28160
13747 15303 16973 18800 20296 21794 23311 24824 26351 27864
13655 15191 16854 18640 20130 21602 23093 24576 26071 27550
13553 15068 16708 18485 19931 21376 22836 24311 25747 27188
13442 14935 16551 18283 19720 21135 22564 23980 25405 26801
13308 14777 16365 18085 19474 20858 22252 23632 25012 26393
13164 14608 16152 17839 19195 20544 21901 23260 24598 25908
12998 14414 15927 17579 18902 20214 21527 22844 24111 25376
12809 14194 15673 17287 18573 19841 21111 22358 23606 24796
12596 13948 15390 16962 18204 19428 20653 21855 23001 24140
12373 13675 15076 16599 17797 18975 20130 21257 22351 23374
12113 13375 14728 16201 17353 18462 19543 20590 21596 22524
11827 13043 14365 15769 16852 17888 18889 19850 20733 21592
11513 12697 13936 15283 16294 17251 18167 19006 19819 20512
11173 12308 13477 14725 15657 16527 17322 18088 18765 19307
10807 11875 12969 14132 14959 15711 16431 17064 17562 17930
10401 11384 12395 13444 14175 14852 15415 15870 16164      
9957 10847 11752 12696 13329 13851 14264 14519            
9459 10249 11037 11869 12350 12723 12912                  
8892 9571 10287 10940 11252 11406                        
8266 8860 9409 9879 9978                              
7598 8051 8394 8655                                    
6841 7103 7230                                          
5945 6004                                                
4915                                                      
                                                           
                                                           
 20 21 22 23 24 25 26 27 28 29
31225 32954 34665 36385 38077 39771 41466 43118 44763 46353
22 23 24 25 26 27 28 29 30 31
31601 33402 35155 36945 38741 40503 42263 44020 45772 47472
31571 33344 35129 36889 38653 40418 42183 43947 45665 47375
31544 33290 35045 36839 38607 40342 42114 43846 45530 47248
31493 33240 34997 36763 38500 40277 42018 43718 45411 47095
31446 33196 34925 36695 38439 40186 41897 43605 45307 46959
31375 33127 34861 36603 38317 40071 41751 43466 45136 46797
31311 33036 34774 36488 38208 39933 41620 43304 44940 46565
31225 32954 34665 36385 38077 39771 41466 43118 44763 46353
31147 32851 34568 36261 37960 39625 41289 42909 44518 46115
31050 32729 34418 36116 37786 39420 41091 42676 44292 45852
30935 32587 34281 35917 37591 39231 40830 42419 43998 45511
30772 32426 34092 35732 37375 38983 40546 42139 43672 45187
30620 32247 33883 35492 37103 38674 40238 41786 43319 44747
30420 32049 33656 35233 36808 38381 39900 41405 42898 44332
30204 31802 33376 34952 36492 38019 39495 41001 42410 43803
29969 31536 33075 34615 36109 37632 39067 40490 41857 43209
29686 31219 32721 34214 35701 37143 38577 39960 41286 42547
29385 30881 32338 33824 35233 36674 38027 39324 40604 41768
29034 30485 31932 33342 34746 36066 37374 38623 39807 40979
28627 30066 31471 32839 34164 35439 36658 37857 38952 40028
28197 29593 30922 32246 33525 34712 35878 36988 38034 38957
27748 29070 30355 31597 32788 33922 34998 36011 36903 37758
27218 28463 29664 30854 31951 33033 34012 34873 35694      
26609 27804 28919 30014 31057 31999 32870 33609            
25950 27058 28078 29079 30023 30856 31559                  
25207 26188 27184 28048 28841 29504                        
24346 25263 26122 26873 27497                              
23398 24212 24920 25501                                    
22329 22991 23527                                          
21129 21584                                                
19717                                                      
                                                           
                                                           
                                                           
                                                           
                                                           
                                                           
                                                           
                                                           
                                                           
                                                           
                                                           
                                                           
 30 31 32 33
47927 49482 50959 52405
32 33 34 35
49161 50836 52446 54035 2566
49028 50666 52286 53886 3650
48912 50514 52145 53707 4737
48768 50382 51927 53499 5898
48598 50174 51729 53261 7107
48400 49987 51503 52993 8370
48177 49724 51248 52741 9703
47927 49482 50959 52405 11121
47651 49157 50638 52095 12643
47340 48852 50291 51655 14180
47002 48471 49870 51247 15818
46638 48069 49429 50712 17591
46204 47545 48864 50158 19531
45702 47003 48279 49474 21137
45132 46390 47621 48730 22770
44494 45705 46851 47920 24428
43735 44910 45959 46980 26110
42917 43996 44995 45846 27814
42034 43011 43841       29511
40978 41839             31225
39791                   32954
                        34665
                        36385
                        38077
                        39771
                        41466
                        43118
                        44763
                        46353
                        47927
                        49482
                        50959
                        52405
                       
                       
                       
                       
                       
                       
                       
                       
                       
                       
Loyalty 0 1 Name Thomas AssumedLoyalty addition
Manual Auto Age 25 50 50
Name Thomas Term 20 AssumedLoyalty addition in risk cover
Term fill Age fill Basic mly 500 Return of premium in risk cover
10 12 25 Age 25 *Loyalty ad*Loyalty addition rate shown is just an a
11 13 Term 20 Maximum risk cover 378165
12 14 Basic mly 500
13 15 1 Accident B 1 1
14 16 0
15 17 Yearly 6005 5880 6005
16 18 Hly 3033 2970 3033
17 19 Qly 1531 1500 1531
18 20 SSS 510 500 510
19 21
20 22 Risk SA 125000
21 23 BMSA 27814
22 24 Maturity SA 139070
23 25 Assumed loyalty rate 1000 1000
24 26 Assumed loyalty 139070
25 27 Manual loyalty rate 750 750
26 28 Manual loyalty 104303
27 29 Selected Loyalty 139070
28 30 Maturity age 45
29 31
30 32
31 33
32 34
33 35
34 36
35 37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
oyalty addition Version 2.5 Term rider 0 0
50 50 100000
y addition in risk cover 1 1
premium in risk cover 1 1
ddition rate shown is just an assumed rate based on the past experience on other plans and is not guaranteed.
503165 BMSA MSA SV LA Manual LA
3 2566 12830 10264 0 0
4 3650 18250 16425 0 0
5 4737 23685 23685 0 0
6 5898 29490 29490 0 0
7 7107 35535 35535 0 0
8 8370 41850 41850 0 0
9 9703 48515 48515 0 0
10 45 10 11121 55605 55605 25022 41703.75
11 45 11 12643 63215 63215 31291 47411.25
12 45 12 14180 70900 70900 38286 53175
13 45 13 15818 79090 79090 46268 59317.5
14 45 14 17591 87955 87955 55412 65966.25
15 45 15 19531 97655 97655 65917 73241.25
16 50 16 21137 105685 105685 84548 79263.75
17 50 17 22770 113850 113850 96773 85387.5
18 50 18 24428 122140 122140 109926 91605
19 50 19 26110 130550 130550 124023 97912.5
20 50 20 27814 139070 139070 139070 104302.5
21 55 21 29511 147555 147555 170426 110666.3
22 55 22 31225 156125 156125 188911 117093.8
23 55 23 32954 164770 164770 208434 123577.5
24 55 24 34665 173325 173325 228789 129993.8
25 55 25 36385 181925 181925 250147 136443.8
26 60 26 38077 190385 190385 297001 142788.8
27 60 27 39771 198855 198855 322145 149141.3
28 60 28 41466 207330 207330 348314 155497.5
29 60 29 43118 215590 215590 375127 161692.5
30 60 30 44763 223815 223815 402867 167861.3
31 65 31 46353 231765 231765 467006 173823.8
32 65 32 47927 239635 239635 498441 179726.3
33 65 33 49482 247410 247410 530694 185557.5
34 65 34 50959 254795 254795 563097 191096.3
35 65 35 52405 262025 262025 596107 196518.8
 Plan presentation from www.ourlic.blogspot.com

Jeevan Saral
(165-20) Version:2.5
Plan presentation specially customised for Thomas, aged 25 years.
Jeevan Saral is a versatile plan from Life Insurance Corporation of India with features of
conventional plans and flexibility of unit linked plans.
It provides:
 Higher insurance cover
 Smooth returns
 Flexibility and liquidity
You are provided the freedom to choose the premium you want to pay. Once premium is chosen
Insurance coverage and the maturity benefit is derived from it.
Basic conditions
Minimum age at entry 12 years Minimum premium (Age 12 to Rs.250 per month
49)
Maximum age at entry 60 years Minimum premium (Age 50 to Rs 400 per month
60)
Minimum term 10 years Maximum premium No limit
Maximum term 35 years Premium in multiples of Rs 50 per month

Salient Features
Maturity benefits : Maturity Sum Assured (MSA) + Loyalty additions
Death benefit: 250 times of the basic monthly premium + Return of premium paid
(excluding 1st year premium) + Loyalty additions.
Loyalty addition: will be declared after the policy has been in full force for at least 10
years.
Auto cover: If the policy is in force for more than three years, the risk coverage will
continue for another 12 months even if the premiums are not paid in that period.
Surrender charge: No surrender charge will be deducted from policies surrendered
after 5 years.
Partial surrender: is available after 3 years and provides a smooth return on your
needs.
Basic monthly premium considered is Rs.500
Minimum risk coverage available is Rs.125000 and maximum risk coverage is Rs.378165
Accident cover increases from Rs.250000 to Rs.503165 during the policy period.

Premium Maturity benefit

Yearly 6005 Maturity sum assured 139070
Half yearly 3033 Assumed loyalty addition 139070
Quarterly 1531 Total maturity benefit 278140
Mly(SSS) 510 Total premium paid 120100

*Loyalty addition rate shown is just an assumed rate based on the past experience on other plans and is not guaranteed.
 Plan presentation from www.ourlic.blogspot.com

Jeevan Saral
(165-20)
Premium Maturity Assumed Surrender Normal Accident
Year Paid SumAssured Loyalty* Value coverage coverage
1 6005 0 0 0 125000 250000
2 12010 0 0 0 131005 256005
3 18015 12830 0 12830 137010 262010
4 24020 18250 0 18250 143015 268015
5 30025 23685 0 23685 149020 274020
6 36030 29490 0 29490 155025 280025
7 42035 35535 0 35535 161030 286030
8 48040 41850 0 41850 167035 292035
9 54045 48515 0 48515 173040 298040
10 60050 55605 25022 80627 204067 329067
11 66055 63215 31291 94506 216341 341341
12 72060 70900 38286 109186 229341 354341
13 78065 79090 46268 125358 243328 368328
14 84070 87955 55412 143367 258477 383477
15 90075 97655 65917 163572 274987 399987
16 96080 105685 84548 190233 299623 424623
17 102085 113850 96773 210623 317853 442853
18 108090 122140 109926 232066 337011 462011
19 114095 130550 124023 254573 357113 482113
20 120100 139070 139070 278140 378165 503165
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
*Loyalty addition rate shown is just an assumed rate based on the past experience on other plans and is not guaranteed.

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