Mr Abc

Life Insurance Corporation of India

Every day we wake up to the fact that more than 170 million lives are part of our family called LIC. We are humbled by the magnitude of the responsibility we carry and realize that the lives that are associated with us are very valuable indeed. Although this journey started five decades ago, we are still conscious of the fact that, while insurance may be a business for us, being part of millions of lives every day for the past 55 years has been a process called TRUST. 55 Years Of Trust Thy Name Is LIC

Our Mission & Vision

Mission: Explore & Enhance the quality of life of people through financial security by providing products and services of aspired attributes with competitive returns, and by rendering resources for economic development Vision: A Trans-Nationally competitive financial conglomerate of significance to societies and pride of India

DEEPAK VIJAY SAWANT

INSURANCE ADVISOR
Flat No. 201, Palmyra Complex, Near Sheetal Hotel, Nehrunagar, Pimpri, Pune-411018 Mobile No. :9762340061, 9975698437, Email. :dvs5352@gmail.com

DEEPAK VIJAY SAWANT

INSURANCE ADVISOR
Flat No. 201, Palmyra Complex, Near Sheetal Hotel, Nehrunagar, Pimpri, Pune-411018 Mobile No. :9762340061, 9975698437, Email. :dvs5352@gmail.com

Name: Mr Abc

Age: 35

Date: 12/08/2012

Plan 165: Jeevan Saral

Jeevan saral is a unique plan having good features of the conventional plans and the fexibility of a unit-linked plans. To the policy holder it provides :* * * * higher cover a smooth return liquidity a lot of flexibility

Under this product death cover will be same irrespective of age at entry and term but the sum payable at maturity will differ for different entry ages and terms. This plan is more approprite for employees particularly seeking life cover through a salary savings scheme. Persons who want short term insurance but are not willing to pay more premiums. Students going abroad for further studies.

Features
1. Maturity Benefit: 1) Maturity Sum Assured Plus 2) Loyalty addition Death Benefit: 1) 250 times the monthly premium plus 2) Return of premiums excluding first year and extra premiums plus 3) Loyalty addition Only term assurance plan allowed to minors. Extended risk cover of 1year (similar to table no 91) if 3 full years premiums are paid. Double Accident Benefit :- On death due to accident extra sum assured would be payable. Permanent Disablity Benefit :- In case of disablity due to accident following would be payable. * Future premiums are waived. * Annuity for next 10 years = SA / 120. payable monthly. * Insurance cover continues and maturity would be payable after completion of term . Term Rider Benefit is available for extra risk cover on natural death. This benefit is available at extra cost. Backdating of policy is allowed. Policy Loan is available. Policy can be surrendered after a period of 3 years. The policy holder can choose a maximum term but can surrender at any time. Partial surrender allowed after 3 years Attractive exit options.

2.

3. 4. 5. 6.

7. 8. 9. 10. 11. 12. 13.

Having the right to do it, does not mean it is right to do it.

DEEPAK VIJAY SAWANT

INSURANCE ADVISOR
Flat No. 201, Palmyra Complex, Near Sheetal Hotel, Nehrunagar, Pimpri, Pune-411018 Mobile No. :9762340061, 9975698437, Email. :dvs5352@gmail.com

Name: Mr Abc

Age: 35

Date: 12/08/2012

Plan 190: Amulya Jeevan - 1

You realise that life is full of uncertainties. You want to be financially prepared to ensure that life continues smoothly for your family in the event that some thing unfortunate befalls you. Term assurance is the answer; an ideal plan for providing insurance protection at a low cost. You can choose from 2 options under this category viz Single premium Term Insurance, which involves a one time payment of premium and Regular Premium Level Term Assurance in which premiums are paid throughout the term of the policy for 5 to 35 years. The main focus of this plan is on protection to your family in the event of your death at a very low cost.

Features
1. 2. 3. 4. 5. 6. 7. 8. This is a pure Term Assurance Plan, which provides risk cover at a low-cost to the policyholder. Minimum Sum Assured is 25 Lacs & Maximum Sum Assured is unlimited. Maturity Benefit : On maturity no amount will be paid to the policy holder. Death Benefit : On death of the policyholder during policy term, S.A. will be paid to the nominee. The risk cover provided during the term of the plan is equal to the Sum Assured. This plan does not provide for a facility of Maturity Value, surrender value or loan. The revival facility and backdating facility is available. Policy will not acquire any paid up value. Yly/Hly/Single prem. modes allowed.

All our dreams cant be translet into reality.. but they can act as a foundation stone for a glorious future.

DEEPAK VIJAY SAWANT

INSURANCE ADVISOR
Flat No. 201, Palmyra Complex, Near Sheetal Hotel, Nehrunagar, Pimpri, Pune-411018 Mobile No. :9762340061, 9975698437, Email. :dvs5352@gmail.com

Name: Mr Abc

Age: 35

Date: 12/08/2012

Plan 149: Jeevan Anand

Jeevan Anand is a plan introduced from 1st February, 2002. This plan is a combination of the Whole life plan and the most popular Endowment Assurance Plan.The plan provides the pre-decided Sum Assured and Bonuses at the end of the stipulated premium paying term,but the risk cover on the life continues till death. The premium is paid till the premium paying term or till the death of the life assured, whichever is earlier.

Features
1. Being a whole life cum endowment plan, the premium payment is limited to the selected term, but the risk cover continues till death of the life assured. 2. Maturity Benefit : At the end of Premium Paying Term, Sum Assured plus Bonus is payable with Final Additional Bonus if any. 3. Death Benefit : (A) If death occurs after the premium paying term an additional amount equal to Sum Assured is payable & no Bonus is payable. (B) If death occurs before the Premium Paying Term, Sum Assured plus accumulated Bonus is payable. 4. Double Accident Benefit :- On death due to accident extra sum assured would be payable. 5. Permanent Disablity Benefit :- In case of disablity due to accident following would be payable. * Future premiums are waived. * Annuity for next 10 years = SA / 120. payable monthly. * Insurance cover continues and maturity would be payable after completion of term . 6. Bonuses: Simple Reversionary Bonus accrues during the PPT and is payable at the end of the PPT or on earlier death along with Final Additional Bonus, if any. No Bonus is paid on death after the PPT. 7. This policy provides for a built-in DAB (without paying any additional premium), during the PPT and then up to age 70 yrs of age of the LA. The maximum Accident Benefit allowed under this plan is Rs. 5 lacs (exclusive limit) 8. Critical Illness Rider Benefit is available. Covering Heart Attack, Stroke, Cancer, Kidney Failure, Major Organ Transplant, Paralysis, 3rd Degree Burns, Blindness, Coronary Artery By-Pass Surgery Heart Valve Replacement or Repair, Aorta Graft Surgery. This benefit is available at extra cost. 9. Loan can be taken against this policy. 10. Backdating of policy is allowed. 11. Housing loan can be taken against this policy. 12. Policy can be surrendered for its paid-up value after a period of 3 years.

At the retirement age be rich or be poor Its totally depends upon ur todays decision. Plan now for tomorrow.

DEEPAK VIJAY SAWANT

INSURANCE ADVISOR
Flat No. 201, Palmyra Complex, Near Sheetal Hotel, Nehrunagar, Pimpri, Pune-411018 Mobile No. :9762340061, 9975698437, Email. :dvs5352@gmail.com

Name: Mr Abc

Age: 35 Presentation Details

Date: 12/08/2012

Plan

Plan Name

Term / PPT

Sum Assured

Bonus Mode

*Premium

Total Prem's Paid

Maturity Year

Maturity Amount

165 190 149

Jeevan Saral Amulya Jeevan - 1 Jeevan Anand

Total

30/30 35/35 25/25

750000 10000000 500000

11250000

0 Hly 0 Hly 48 Hly

18195 27897 14069

60161

1091700 1952790 703450

3747940

2042 2047 2037

6710951 0 1325000

Note: The above Statements are based on certain assumptions, which are liable to change according to Government / Corporation's Policies. * Rider Premiums are included in Premium. * NI is number of installments.

Rider Details
Plan Term PPT Rider Name Rider Sum Rider Term Rider Premium Total Prem's Paid

165 149 149 149

Total

30 25 25 25

30 25 25 25

Double Accident Benefit PWB for Critical Illness Critical Illness Double Accident Benefit

750000 500000 500000

30 25 25 25

375 791 2141 0

3307

22500 39550 107050 0

169100

Agents Copy

Sr. DOC No.

Pn / Tm / PPT

Sum Assured

Mode Yearly Half Yearly Quaterly Monthly SSS Single Per Day

No of Inst.

1 2 3

12/08/2012 12/08/2012 12/08/2012

165/30/30 190/35/35 149/25/25

750000 10000000 500000

36030 54700 27719

118449

18195 27897 14069

60161

9188 0 7139
16327

3063 0 2502
5565

3063 0 2380
5443

0 783800 0
783800

98.71 149.86 75.94

324.52

0 0 0

Take risks: if you win, you will be happy; if you loose, you will be wise

DEEPAK VIJAY SAWANT

INSURANCE ADVISOR
Flat No. 201, Palmyra Complex, Near Sheetal Hotel, Nehrunagar, Pimpri, Pune-411018 Mobile No. :9762340061, 9975698437, Email. :dvs5352@gmail.com

Name: Mr Abc

Age: 35

Date: 12/08/2012

Tax Slab: 30%

Year Age Normal Lifecover Accident Lifecover

Return's Spreadsheet
Annual Premium Tax Saved Net Premium Returns from LIC Net Returns Surrender Value Total Loan Available

2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 2033 2034 2035 2036 2037 2038 2039 2040 2041 2042 2043 2044 2045 2046 2047 2048 2049 2050 2051 2052 2053 2054 2055 2056

35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79

11274000 11333640 11393280 11452920 11512560 11572200 11631840 11691480 11751120 11810760 12144459 12271534 12408991 12557870 12729311 12907071 13100032 13309714 13542789 13798597 14081661 14399206 14768681 15167778 15599459 15167984 15600937 16077260 16601290 17177797 10500000 10500000 10500000 10500000 10500000 500000 500000 500000 500000 500000 500000 500000 500000 500000 500000

12524000 12583640 12643280 12702920 12762560 12822200 12881840 12941480 13001120 13060760 13394459 13521534 13658991 13807870 13979311 14157071 14350032 14559714 14792789 15048597 15331661 15649206 16018681 16417778 16849459 16417984 16850937 17327260 17851290 18427797 11000000 11000000 11000000 11000000 11000000 500000 500000 500000 500000 500000 500000 500000 500000 500000 500000

120322 120322 120322 120322 120322 120322 120322 120322 120322 120322 120322 120322 120322 120322 120322 120322 120322 120322 120322 120322 120322 120322 120322 120322 120322 92184 92184 92184 92184 92184 55794 55794 55794 55794 55794 0 0 0 0 0 0 0 0 0 0

30000 30000 30000 30000 30000 30000 30000 30000 30000 30000 30000 30000 30000 30000 30000 30000 30000 30000 30000 30000 30000 30000 30000 30000 30000 27655 27655 27655 27655 27655 16738 16738 16738 16738 16738 0 0 0 0 0 0 0 0 0 0

90322 90322 90322 90322 90322 90322 90322 90322 90322 90322 90322 90322 90322 90322 90322 90322 90322 90322 90322 90322 90322 90322 90322 90322 90322 64529 64529 64529 64529 64529 39056 39056 39056 39056 39056 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 1325000 0 0 0 0 6710951 0 0 0 0 0 0 0 0 0 0 0 0 0 0

-90322 -90322 -90322 -90322 -90322 -90322 -90322 -90322 -90322 -90322 -90322 -90322 -90322 -90322 -90322 -90322 -90322 -90322 -90322 -90322 -90322 -90322 -90322 -90322 -90322 1260471 -64529 -64529 -64529 -64529 6671895 -39056 -39056 -39056 -39056 0 0 0 0 0 0 0 0 0 0

0 0 77627 136667 194173 243549 295036 349156 408273 474348 820252 962948 1122906 1301883 1502832 1712750 1937965 2186440 2460260 2762872 3096983 3472177 3885266 4340299 4843905 4270774 4718917 5207790 5742790 6329807 225150 233100 240900 248700 256500 264250 271950 279600 287150 294600 301900 309100 316200 323100 329900

0 0 69864 123000 174756 219194 265532 314241 367446 426913 738226 866653 1010616 1171694 1352549 1541475 1744169 1967796 2214234 2486585 2787284 3124959 3496740 3906269 4359514 3843697 4247025 4687011 5168511 5696827 202635 209790 216810 223830 230850 237825 244755 251640 258435 265140 271710 278190 284580 290790 296910

Success occurs when opportunity meets prepareation

DEEPAK VIJAY SAWANT

INSURANCE ADVISOR
Flat No. 201, Palmyra Complex, Near Sheetal Hotel, Nehrunagar, Pimpri, Pune-411018 Mobile No. :9762340061, 9975698437, Email. :dvs5352@gmail.com

Name: Mr Abc
2057 2058 2059 2060 2061 2062 2063 2064 2065 2066 2067 2068 2069 2070 2071 2072 2073 2074 2075 2076 2077 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 500000 500000 500000 500000 500000 500000 500000 500000 500000 500000 500000 500000 500000 500000 500000 500000 500000 500000 500000 500000 0 500000 500000 500000 500000 500000 500000 500000 500000 500000 500000 500000 500000 500000 500000 500000 500000 500000 500000 500000 500000 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
3747940

Age: 35
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
971965

Date: 12/08/2012
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 500000
8535951

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 500000
5759976

336500 342900 349150 355200 361050 366750 372200 377500 382600 387700 392600 397600 402550 407650 414150 419850 430650 441200 465500 470000 0

302850 308610 314235 319680 324945 330075 334980 339750 344340 348930 353340 357840 362295 366885 372735 377865 387585 397080 418950 423000 0

Total
Note: (1) (2) (3) (4)

2775975

The above Statements are based on certain assumptions, which are liable to change according to Government / Corporation's Policies. Calculation includes Bonus and Final Additional Bonus as per present Rates. * Available Total Money. we are showing annual returns. in case of payment in arrears, half yearly installmant starts 6 months after maturity and yearly installment starts 1 year after maturity. in case of payment in advance, yearly and half yearly installments starts immediately from maturity date. Please refer circular no: Actl / 2015 / 4 for details about settlement options.

(*) The above illustration gives an effective yield of 6.91% with tax benefit. (*) The above illustration gives an effective yield of 5.20% without tax benefit.

(*) In Jeevan Anand (plan 149), The Normal Riskcover of Sum Assured will continue for life time. The Accidental Riskcover of 2 times of Sum Assured will continue upto age 70. (*) In Jeevan Saral (plan 165), Partial surrender allowed after 3 years. Please see description for details. (*) In Plan 165, Loyalty Addition Is Also Given On Maturity depending upon experience of LIC .

There is no substitute for Life Insurance

DEEPAK VIJAY SAWANT

INSURANCE ADVISOR
Flat No. 201, Palmyra Complex, Near Sheetal Hotel, Nehrunagar, Pimpri, Pune-411018 Mobile No. :9762340061, 9975698437, Email. :dvs5352@gmail.com

Name: Mr Abc

Age: 35 Medical Requirements

Date: 12/08/2012

Following table shows medical tests required.

Life Assured Total SUC Medical Tests

Abc

11750000

(1) Rest ECG, (2) Haemogram, (3) SBT - 13, (4) RUA

Please Note: The above tests is based on chart of medical test received from LIC.

Sum Assured Bonus

Breakup of Returns
Sum Assured & Survival's Bonus Final Additional Bonus Guranted Addition Loyalty Addition 500000 600000 225000 1218120 5492831

FAB
6.22% 7.47% 2.80% 15.16% 68.35%

GA

LA

Happiness is a path, not a destination