Jeevan Saral

Name Thomas
Age 30
Basic Mly premium

Term 20

DAB(Yes=1)

1000

Select Loyalty Addition

Manual loyalty addition

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

Saral

DAB(Yes=1) 1

Give LA/000 SA

1000
Assumed LA

1000

ition in risk coverage.

risk coverage
100000
View report

h,Dev. Officer, LIC.

mail: anishlj@yahoo.com

BMSA

18
18
19
20
21
22
23
24
25
26
27
28
29
30
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
57
58

27345
1

2561
3
2583
2581
2577
2574
2570
2568
2568
2566
2563
2563
2563
2564
2561
2559
2555
2548
2542
2531
2520
2509
2494
2477
2459
2439
2422
2398
2372
2339
2301
2260
2211
2158
2100
2038
1971
1897
1819
1736
1654
1568
1473

3644
4
3671
3665
3662
3659
3656
3653
3649
3650
3646
3646
3646
3643
3644
3637
3632
3623
3610
3595
3580
3562
3541
3516
3492
3467
3440
3403
3363
3317
3265
3203
3135
3061
2980
2892
2798
2694
2587
2475
2360
2232
2091

4726
5
4765
4757
4753
4749
4745
4741
4737
4737
4738
4733
4733
4730
4726
4718
4711
4695
4680
4665
4641
4614
4587
4560
4524
4489
4450
4404
4349
4286
4215
4136
4045
3945
3841
3724
3599
3465
3325
3181
3025
2851
2651

5879
6
5927
5922
5917
5912
5908
5903
5897
5898
5898
5893
5893
5889
5879
5870
5856
5837
5819
5795
5767
5733
5700
5662
5619
5571
5519
5456
5384
5303
5211
5109
4991
4868
4730
4580
4420
4259
4081
3893
3683
3451
3181

7081
7
7143
7131
7125
7119
7113
7113
7107
7107
7101
7102
7097
7092
7081
7064
7048
7026
6998
6964
6931
6891
6846
6801
6744
6688
6620
6541
6443
6340
6225
6098
5952
5799
5627
5443
5250
5051
4832
4587
4316
4004
3659

8334
8
8411
8397
8390
8391
8384
8377
8377
8370
8371
8364
8359
8346
8334
8315
8289
8264
8225
8186
8148
8095
8042
7984
7919
7840
7755
7657
7544
7410
7269
7106
6936
6744
6536
6319
6093
5837
5558
5256
4907
4517
4068

9647
9
9750
9742
9735
9727
9718
9719
9711
9703
9704
9689
9683
9669
9647
9627
9598
9562
9517
9473
9421
9362
9303
9229
9139
9041
8937
8817
8681
8520
8351
8156
7944
7714
7473
7215
6938
6626
6277
5893
5460
4970
4460

59
60

1357
1221

1920
1718

2416
2139

2866
2503

3250
2827

3595
3037

3841
3129

11053
10
11174
11165
11156
11147
11147
11138
11129
11121
11113
11107
11091
11076
11053
11020
10979
10939
10889
10840
10773
10707
10623
10531
10431
10313
10187
10033
9870
9679
9479
9248
8998
8726
8442
8128
7794
7408
6979
6508
5969
5407
4744

12549
11
12700
12690
12680
12670
12671
12661
12651
12643
12635
12618
12601
12574
12549
12503
12469
12414
12359
12295
12210
12127
12035
11923
11802
11661
11499
11329
11125
10901
10654
10384
10101
9795
9453
9076
8653
8194
7672
7087
6463
5761
4922

10
14046
12
14241
14230
14218
14219
14208
14198
14189
14180
14160
14142
14112
14085
14046
14009
13960
13899
13828
13747
13655
13553
13442
13308
13164
12998
12809
12596
12373
12113
11827
11513
11173
10807
10401
9957
9459
8892
8266
7598
6841
5945
4915

11
15664
13
15894
15895
15883
15871
15859
15849
15826
15818
15797
15779
15748
15705
15664
15610
15544
15480
15390
15303
15191
15068
14935
14777
14608
14414
14194
13948
13675
13375
13043
12697
12308
11875
11384
10847
10249
9571
8860
8051
7103
6004

12
17401
14
17699
17685
17672
17659
17648
17622
17614
17591
17571
17537
17490
17460
17401
17344
17274
17191
17080
16973
16854
16708
16551
16365
16152
15927
15673
15390
15076
14728
14365
13936
13477
12969
12395
11752
11037
10287
9409
8394
7230

13
19300
15
19656
19641
19628
19615
19587
19578
19553
19531
19494
19459
19410
19362
19300
19223
19150
19046
18930
18800
18640
18485
18283
18085
17839
17579
17287
16962
16599
16201
15769
15283
14725
14132
13444
12696
11869
10940
9879
8655

14
20883
16
21296
21281
21249
21237
21228
21201
21177
21137
21100
21065
21014
20947
20883
20786
20694
20587
20448
20296
20130
19931
19720
19474
19195
18902
18573
18204
17797
17353
16852
16294
15657
14959
14175
13329
12350
11252
9978

15
22475
17
22965
22951
22918
22908
22879
22853
22810
22770
22733
22678
22626
22558
22475
22376
22262
22134
21971
21794
21602
21376
21135
20858
20544
20214
19841
19428
18975
18462
17888
17251
16527
15711
14852
13851
12723
11406

3971
3059

3949

16

24091
18
24662
24627
24616
24585
24557
24511
24490
24428
24392
24336
24264
24174
24091
23970
23833
23682
23515
23311
23093
22836
22564
22252
21901
21527
21111
20653
20130
19543
18889
18167
17322
16431
15415
14264
12912

17
25708
19
26361
26349
26317
26287
26237
26215
26173
26110
26051
25997
25902
25813
25708
25587
25426
25249
25056
24824
24576
24311
23980
23632
23260
22844
22358
21855
21257
20590
19850
19006
18088
17064
15870
14519

18
27345
20
28106
28071
28039
28012
27963
27918
27876
27814
27731
27655
27586
27474
27345
27200
27012
26834
26614
26351
26071
25747
25405
25012
24598
24111
23606
23001
22351
21596
20733
19819
18765
17562
16164

19
28975
21
29845
29812
29783
29731
29683
29639
29572
29511
29430
29357
29238
29129
28975
28804
28615
28410
28160
27864
27550
27188
26801
26393
25908
25376
24796
24140
23374
22524
21592
20512
19307
17930

20
30620
22
31601
31571
31544
31493
31446
31375
31311
31225
31147
31050
30935
30772
30620
30420
30204
29969
29686
29385
29034
28627
28197
27748
27218
26609
25950
25207
24346
23398
22329
21129
19717

21
32247
23
33402
33344
33290
33240
33196
33127
33036
32954
32851
32729
32587
32426
32247
32049
31802
31536
31219
30881
30485
30066
29593
29070
28463
27804
27058
26188
25263
24212
22991
21584

22
33883
24
35155
35129
35045
34997
34925
34861
34774
34665
34568
34418
34281
34092
33883
33656
33376
33075
32721
32338
31932
31471
30922
30355
29664
28919
28078
27184
26122
24920
23527

23
35492
25
36945
36889
36839
36763
36695
36603
36488
36385
36261
36116
35917
35732
35492
35233
34952
34615
34214
33824
33342
32839
32246
31597
30854
30014
29079
28048
26873
25501

24

37103
26
38741
38653
38607
38500
38439
38317
38208
38077
37960
37786
37591
37375
37103
36808
36492
36109
35701
35233
34746
34164
33525
32788
31951
31057
30023
28841
27497

25
38674
27
40503
40418
40342
40277
40186
40071
39933
39771
39625
39420
39231
38983
38674
38381
38019
37632
37143
36674
36066
35439
34712
33922
33033
31999
30856
29504

26
40238
28
42263
42183
42114
42018
41897
41751
41620
41466
41289
41091
40830
40546
40238
39900
39495
39067
38577
38027
37374
36658
35878
34998
34012
32870
31559

27
41786
29
44020
43947
43846
43718
43605
43466
43304
43118
42909
42676
42419
42139
41786
41405
41001
40490
39960
39324
38623
37857
36988
36011
34873
33609

28
43319
30
45772
45665
45530
45411
45307
45136
44940
44763
44518
44292
43998
43672
43319
42898
42410
41857
41286
40604
39807
38952
38034
36903
35694

29
44747
31
47472
47375
47248
47095
46959
46797
46565
46353
46115
45852
45511
45187
44747
44332
43803
43209
42547
41768
40979
40028
38957
37758

30
46204
32
49161
49028
48912
48768
48598
48400
48177
47927
47651
47340
47002
46638
46204
45702
45132
44494
43735
42917
42034
40978
39791

31
47545
33
50836
50666
50514
50382
50174
49987
49724
49482
49157
48852
48471
48069
47545
47003
46390
45705
44910
43996
43011
41839

32

48864
34
52446
52286
52145
51927
51729
51503
51248
50959
50638
50291
49870
49429
48864
48279
47621
46851
45959
44995
43841

33
50158
35
54035
53886
53707
53499
53261
52993
52741
52405
52095
51655
51247
50712
50158
49474
48730
47920
46980
45846

2561
3644
4726
5879
7081
8334
9647
11053
12549
14046
15664
17401
19300
20883
22475
24091
25708
27345
28975
30620
32247
33883
35492
37103
38674
40238
41786
43319
44747
46204
47545
48864
50158

Loyalty
Name

TRUE
FALSE
Manual
Auto
Thomas
Term fill
Age fill
10
12
11
13
12
14
13
15
14
16
15
17
16
18
17
19
18
20
19
21
20
22
21
23
22
24
23
25
24
26
25
27
26
28
27
29
28
30
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

Name
Thomas
Age
30
Term
20
AssumedLoyalty ad
Basic mly premium
1000
30 Age
30
*Loyalty addition at the ra
Term
20
Maximum risk cover
Basic mly premium
1000
1 Accident Benefit1
1
0
Yearly
12010
11760
Hly
6065
5940
Qly
3063
3000
SSS
1021
1000
Risk SA
250000
BMSA
27345
Maturity SA
273450
Assumed loyalty rate
1000
Assumed loyalty
273450
Manual loyalty rate
1000
Manual loyalty
273450
Selected Loyalty
273450
Maturity age
50

53
54
55
56
57
58
59
60

AssumedLoyalty addition
Version
2.5
Term rider
FALSE
50
50
50
50
AssumedLoyalty addition in risk cover
TRUE
1
Return of premium in risk cover
TRUE
1
*Loyalty addition rate shown is just an assumed rate based on the past experience on other plans and
aximum risk cover
751640 1001640
BMSA
MSA
3
2561
25610
4
3644
36440
5
4726
47260
12010
6
5879
58790
6065
7
7081
70810
3063
8
8334
83340
1021
9
9647
96470
10
45
10
11053
110530
11
45
11
12549
125490
12
45
12
14046
140460
13
45
13
15664
156640
1000
14
45
14
17401
174010
15
45
15
19300
193000
1000
16
50
16
20883
208830
17
50
17
22475
224750
18
50
18
24091
240910
19
50
19
25708
257080
20
50
20
27345
273450
21
55
21
28975
289750
22
55
22
30620
306200
23
55
23
32247
322470
24
55
24
33883
338830
25
55
25
35492
354920
26
60
26
37103
371030
27
60
27
38674
386740
28
60
28
40238
402380
29
60
29
41786
417860
30
60
30
43319
433190
31
65
31
44747
447470
32
65
32
46204
462040
33
65
33
47545
475450
34
65
34
48864
488640
35
65
35
50158
501580

0
100000

ce on other plans and is not guaranteed.

SV
LA
Manual LA
20488
0
0
32796
0
0
47260
0
0
58790
0
0
70810
0
0
83340
0
0
96470
0
0
110530
49739
110530
125490
62118
125490
140460
75848
140460
156640
91634
156640
174010
109626
174010
193000
130275
193000
208830
167064
208830
224750
191038
224750
240910
216819
240910
257080
244226
257080
273450
273450
273450
289750
334661
289750
306200
370502
306200
322470
407925
322470
338830
447256
338830
354920
488015
354920
371030
578807
371030
386740
626519
386740
402380
675998
402380
417860
727076
417860
433190
779742
433190
447470
901652
447470
462040
961043
462040
475450 1019840
475450
488640 1079894
488640
501580 1141095
501580

Plan presentation from www.ourlic.blogspot.com

Jeevan Saral
(165-20)

Plan presentation specially customised for Thomas, aged 30 years.

Jeevan Saral is
conventional plans
It provides:

Higherinsur
Smoothretu
Flexibilityan

Basic monthly premium considered is Rs.1000

Minimum risk coverage available is Rs.250000 and maximum risk coverage is Rs.751640
Accident cover increases from Rs.500000 to Rs.1001640 during the policy period.
Premium
Yearly
Half yearly
Quarterly
Mly(SSS)

12010
6065
3063
1021

Maturity benefit
Maturity sum assured
Assumed loyalty addition
Total maturity benefit
Total premium paid

Youareprovidedthe
Insurancecoveragean

*Loyalty addition at the rate of Rs. 1000 per 1000 maturity SA is shown just for illustration purpose

Plan presentation from www.ourlic.blogspot.com

Jeevan Saral
Year
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20

Premium
Surrender
Maturity
Paid
Value
SumAssured Manual Loyalty*
12010
0
0
0
24020
0
0
0
36030
25610
0
25610
48040
36440
0
36440
60050
47260
0
47260
72060
58790
0
58790
84070
70810
0
70810
96080
83340
0
83340
108090
96470
0
96470
120100
110530
110530
221060
132110
125490
125490
250980
144120
140460
140460
280920
156130
156640
156640
313280
168140
174010
174010
348020
180150
193000
193000
386000
192160
208830
208830
417660
204170
224750
224750
449500
216180
240910
240910
481820
228190
257080
257080
514160
240200
273450
273450
546900

*Loyalty addition at the rate of Rs. 1000 per 1000 maturity SA is shown just for illustration purpose

Page 2

Normal
coverage
250000
262010
274020
286030
298040
310050
322060
334070
346080
468620
495590
522570
550760
580140
611140
638980
666910
695080
723260
751640

eevan Saral
Version:2.5

al is aversatileplanfro
plansandflexibilityofun

erinsurancecover
threturns
bilityandliquidity

rage is Rs.751640
icy period.

273450
273450
546900
240200

edthefreedomto
rageandthematuritybenef

eevan Saral
(165-20)
Accident
coverage
500000
512010
524020
536030
548040
560050
572060
584070
596080
718620
745590
772570
800760
830140
861140
888980
916910
945080
973260
1001640