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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
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.
DEATH BENEFIT
Variable Total
Annual Tax Nett Total
Premium Saved Premium Premium Paid Scenario1 Scenario2 Scenario1 Scenario2
Year Age Guaranteed
2007 35 24020 0 24020 24020 500000 0 0 500000 500000
2008 36 24020 0 24020 48040 523520 0 0 523520 523520
2009 37 24020 0 24020 72060 547040 0 0 547040 547040
2010 38 24020 0 24020 96080 570560 0 0 570560 570560
2011 39 24020 0 24020 120100 594080 0 0 594080 594080
2012 40 24020 0 24020 144120 617600 0 0 617600 617600
2013 41 24020 0 24020 168140 641120 0 0 641120 641120
2014 42 24020 0 24020 192160 664640 0 0 664640 664640
2015 43 24020 0 24020 216180 688160 0 0 688160 688160
2016 44 24020 0 24020 240200 711680 35000 90000 746680 801680
2017 45 24020 0 24020 264220 735200 40000 100000 775200 835200
2018 46 24020 0 24020 288240 758720 45500 115000 804220 873720
2019 47 24020 0 24020 312260 782240 51500 137500 833740 919740
2020 48 24020 0 24020 336280 805760 58000 167500 863760 973260
2021 49 24020 0 24020 360300 829280 65000 205000 894280 1034280
2022 50 24020 0 24020 384320 852800 74000 247500 926800 1100300
2023 51 24020 0 24020 408340 876320 86000 297500 962320 1173820
2024 52 24020 0 24020 432360 899840 102000 355000 1001840 1254840
2025 53 24020 0 24020 456380 923360 123000 422500 1046360 1345860
2026 54 24020 0 24020 480400 946880 150000 500000 1096880 1446880
2027 55 24020 0 24020 504420 970400 180000 587500 1150400 1557900
2028 56 24020 0 24020 528440 993920 212500 685000 1206420 1678920
2029 57 24020 0 24020 552460 1017440 247500 795000 1264940 1812440
2030 58 24020 0 24020 576480 1040960 285000 917500 1325960 1958460
2031 59 24020 0 24020 600500 1064480 325000 1055000 1389480 2119480
600500 0 600500
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.
600500 0 600500
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.