Life Insurance Corporation of India

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1 Mr Rajesh Chaudhary 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 INSURANCE PRESENTATION

2 Plan 149: Jeevan Anand Jeevan Anand is a plan introduced from 1st February, 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 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 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. Having the right to do it, does not mean it is right to do it.

3 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 2. Death Benefit: 1) 250 times the monthly premium plus 2) Return of premiums excluding first year and extra premiums plus 3) Loyalty addition 3. Only term assurance plan allowed to minors. 4. Extended risk cover of 1year (similar to table no 91) if 3 full years premiums are paid. 5. Double Accident Benefit :- On death due to accident extra sum assured would be payable. 6. 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. 7. Term Rider Benefit is available for extra risk cover on natural death. This benefit is available at extra cost. 8. Backdating of policy is allowed. 9. Policy Loan is available. 10. Policy can be surrendered after a period of 3 years. 11. The policy holder can choose a maximum term but can surrender at any time. 12. Partial surrender allowed after 3 years 13. Attractive exit options. All our dreams can t be translet into reality.. but they can act as a foundation stone for a glorious future.

4 Plan 159: Komal Jeevan Today, life is highly competitive. Education and settling in life entails high costs. Parents need, therefore,to make provision, in advance, for good education for their Children. Children also need financial support for entering business/career. L.I.C now introduces a new plan to take care of these needs - a Children s Money Back Assurance Plan, with payment of premium ceasing on policy anniversary immediately after the child attains 18 years of age.the plan, besides offering risk cover, also offers payment of Sum Assured in installments at age 18, 20, 22, 24 and Guaranteed and Loyalty additions at age 26.Children up to the age of 10 are eligible for this plan. Features 1. This is a Money Back type of policy with the PPT limited to the child age of 18 years. 2. This plan provides for a regular income flow equal to 20% of SA each on child attaining age 18 and 20 and 30% of SA on age attainment of 22 and 24. On maturity, the accrued GA and LA is given back. 3. Death Benefit : (A) If the policyholder (child) dies after commencement of the risk but before maturity, full S.A. together with 75/- per thousand S.A. + L.A., if any, is given to the nominee without deducting earlier installments paid. (B) If child dies before the policy risk commences, the policy gets cancelled & premiums paid ( excluding Waiver Benefit & Term Rider s) till then is refunded. 4. The risk starts on completion of 7 years or 2 years from date of commencement of policy, whichever is later, which is called as the Deferment Period 5. Wavier benefit available on payment of extra premium. Even the Term Rider benefit is available to the extent of 20% of the basic SA at extra premium. 6. Backdating of policy is allowed. 7. Policy can be surrendered for its paid-up value after a period of 3 years. 8. Yly/Hly/Qly/SSS modes are allowed. At the retirement age be rich or be poor Its totally depends upon ur today s decision. Plan now for tomorrow.

5 Plan 147: New Jeevan Suraksha-1 With increased longevity, man's retired life is nearly half of his actual life. And to ensure a pleasant life after retirement, provisions ought to be made when you are young. New Jeevan Suraksha - 1 is a plan that helps to do it. If you can make a small monthly contribution, which you can easily afford now you will build a substantial pension for yourself and for your family and you could be self dependent even after 55. So start building your pension benefits brick by brick. A small sacrifice today will result in greater family and old age pension benefits. Features 1. This is a with profit pension plan suitable for everyone who wants to provide regular financial security for their family. 2, Benifits during Deferment Period : If the policy holder dies during the premium paying term then s Paid till date with 5% p.a. compounding will be given to the nominee. 3. Benifits after Vesting/at Maturity : The National Cash Option togather with Reversionary Bonuses and Final Additional Bonuses, if any will be compulsorily converted into annity. 4. This policy does not mature and hence there is no maturity value. 5. The mode or frequency of pension payment can be selected from Yly/Hly/Qly/Mly/SSS. 6. Pension options are selectable. The options available are annuity for life, annuity certain for 5,10,15, 20 yrs and for life thereafter, annuity with return of purchase price, annuity for life increasing at a simple rate of 3% p.a., annuity for life with a provision for 50% of annuity to the spouse of the annuitant for life on death of the annuitant. 7. Pension with return of purchase price is the best suitable option. 8. Backdating of policy is allowed. 9. No medical examination is required for this plan. 10. Only standard age proof will be accepted. 11. Critical Illness Rider Benefit is available. 12. Term Rider Option is available at extra premium only for annual premium policies. Take risks: if you win, you will be happy; if you loose, you will be wise

6 Plan 802: Endowment Plus INTRODUCTION: It has been decided to introduce LIC s Endowment Plus (Plan No. 802) with effect from 20th September, 2010.This is a unit linked Endowment plan which offers investment-cum-insurance during the term of the policy. The policyholder can choose the level of cover within the limits, which will depend on mode and amount of premium he desires to pay. Features BENEFITS: A) Benefits payable on death: In case of death of the policyholder when the cover is in full force, the nominee shall be eligible to get higher of Sum Assured under the Basic Plan and the Policyholder s Fund Value as at the date of booking the liability. The liability shall be booked after receipt of intimation along with death certificate. Further, if partial withdrawal has been made during the last two years from the date of death the Sum Assured under the Basic plan shall be reduced to the extent of the amount of partial withdrawals made. B) Benefits payable on maturity: On the policyholder surviving the date of maturity an amount equal to the Policyholder s Fund value is payable. Eligibility Conditions : For Basic Plan a) Minimum Basic Sum Assured: Regular policies: (Policy Term +1) times the annualized premium. Single : For age at entry below 45 years : 1.25 times the single premium For age at entry 45 years and above: 1.10 times the single premium b) Maximum Basic Sum Assured: Regular policies: 30 times the annualized premium, if age at entry is upto 45 years 25 times the annualized premium, if age at entry is 46 to 60 years c) Minimum : Regular premium : Rs. [20,000] p.a.,for ECS mode: Rs. [1,750] p.m. : Single premium: Rs. [30,000] d) Maximum : Regular premium: Rs. [1,00,000] p.a.,single premium: No Limit. e) Minimum Entry Age : [7] last birthday f) Maximum Entry Age : [60] nearest birthday g) Policy Term : [10 to 20] years h) Minimum Maturity Age : [18] years completed i) Maximum Maturity Age : [70] years nearest birthday Other Options : 1) Accidental Benifit Rider Available. 2) Partial Whithdrawal Facility Available. 3) Critical Illness Benefit Rider Available. 4) Loan Facility Available. Success occurs when opportunity meets prepareation

7 Presentation Details Plan Plan Name Term / PPT Sum Assured Bonus Mode * Total Prem's Paid Maturity Year Maturity Amount 149 Jeevan Anand 21/ Yly Jeevan Saral 25/ Yly Komal Jeevan 26/ Yly New Jeevan Suraksha-1 30/ Yly Endowment Plus 15/ Yly Total: Note: The above Statements are based on certain assumptions, which are liable to change according to Government / Corporation's Policies. * Rider s are included in. * NI is number of installments. Agents Copy Sr. No. DOC Pn / Tm / PPT Sum Assured Mode Yearly Half Yearly Quaterly Monthly SSS Single Per Day No of Inst. 1 26/07/ /21/ /07/ /25/ /07/ /26/ /07/ /30/ /07/ /15/ Back Dating Extra The following table shows the Back Dating Extra applicable for various plans in the presentation. If Plan is older just ignore the comments in the reason column. Proposal Date Plan BackDated DOC Back Dating Extra Reason 26/07/ /07/ /07/ /07/ /07/ /07/ /07/ /07/ /07/ /07/ There is no substitute for Life Insurance

8 Commission Sr. No. Plan / Term / PPT Mode Sum Assured 1st Year Commission 2nd / 3rd Year Commission Subsequent Year Comm 1st Year Bonus / 21 / 21 Yly / 25 / 25 Yly / 26 / 18 Yly / 30 / 30 Yly / 15 / 15 Yly Happiness is a path, not a destination

9 Tax Slab: 30% Return's Spreadsheet Year Age Normal Lifecover Accident Lifecover Annual Tax Saved Net Returns from LIC Net Returns Surrender Value Total Loan Available Say yes to family security, say yes to Life Insurance

10 Total Note: (1) 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. (2) * Available Total Money. (3) 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. (4) Please refer circular no: Actl / 2015 / 4 for details about settlement options. (*) The above illustration gives an effective yield of 10.33% with tax benefit. (*) The above illustration gives an effective yield of 7.55% 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. A man is at his tallest when he stoops to help a child

11 Discounted Value of Claims The following table shows the Discounted value of claims of all plans (except unit linked plans) used in the presentation. LIC gives you facility of taking maturity any time in last year before maturity date. The figures of 3 months before maturity, 6 months before maturity, 9 months before maturity & one year before maturity is shown in following table. Plan/ Tm/PPT Maturity Date Maturity Value 3 Months Before Mat 6 Months Before Mat 9 Months Before Mat 1 Year Before Mat 802/15/ /07/ /30/ /07/ /26/ /07/ /25/ /07/ /21/ /07/ A hard thing about business is minding your own

12 Yield of RiskCover The following table calculates yield of riskcover for each year. Riskcover is considered as return for respective year. Number of premium is limited and handsome amount is payable so the yield becomes high. Yield for each year is shown in following table. Year Annual RiskCover Returns Yield the clearest mirror can not show the back

13 Those who are at war with others are seldom with peace with themselves

14 Yield on Investment The following table shows the breakup of the annual premium; premium towards risk cover, premium towards riders and premium towards investments. The riskcover premium will be utilized to provide insurance riskcover. The riders premium will be utilized to provide rider benefits in this presentation. The invested premium is the actual part of the premium which is used for investment and gives returns during or at the end of the insurance period. The annual premium is the sum of riskcover premium, riders premium and premium used for investment. The annual premium with the respective breakup for each year is shown in the following table. Year Annual RiskCover Riders Invested Returns The shortest way to do many things is to do one thing at a time

15 The effective yield of this presentation considering only invested premium is 8.19 Jo Parivaar Se Kare Pyar Woh, L.I.C. Se Kaise Kare Inkar

16 Advance Schedule Year Annual Adv. Prem ( 1 Year ) Adv. Prem ( 2 Years ) Adv. Prem ( 3 Years ) Adv. Prem ( 4 Years ) Adv. Prem ( 5 Years ) Adv. Prem ( 6 Years ) Total: The above table shows facility of advance premiums. Client can pay premiums in 6 ways. Adv. ( 1 Year ) :- It indicates premiums of 1 year are paid in advance. For yearly mode it is 1 installments and for half yearly mode it is 2 installments. Adv. ( 2 Years ) :- It indicates premiums of 2 years are paid in advance. For yearly mode it is 2 installments and for half yearly mode it is 4 installments. Same is the case with other options. Adv. ( 6 Years ) is possible only for yearly mode. 1 present + 5 future yearly installments. What now is proved was once only imagined

17 Unit Table The figures in following Table are calculated making following assumptions. Fund Type:- Growth Fund. Current NAV: Growth Rate: %. Bid Price = Current NAV. Mortality charges, Accident cover charges and expense charges are deducted from premium. These are recovered by selling equivalent amount of units in case of single premium. Year Annual Top Up NAV U n i t s Balanced Purchased Deducted Total Unit Value Surrender Partial Surrender When you live in the past it costs you the present

18 Growth of Growth Fund under scenario 10.00% Year Age Annual Top Up Fund Value (Year Begin) Total Charges Fund Value (Year End) Cash Value Partial Surrender Death Benefit Annuity Benefits If Maturity of following Vested Plans is invested in LIC's Jeevan Akshay then Life Assured will get the benefits given in following table. Year Plan (Vested) Plan (Purchased) Annuity Option Amount Invested Annuity Mode Pension Amount On Commutation On Death Amount Pension Return of purchase Yly price When in doubt, tell the truth

19 Charges Details of Growth Fund ( Growth Rate: 10.00) Risk Charges Other Charges Life Cover/HCB* Acc Cover Critical Illness Year Age Rate Amt Rate Amt Rate Amt Service Tax Allocation Charges Flat Fee Admin Charges Policy Charges Total Today's beautiful moments are tomorrow's beautiful memories

20 Medical Requirements Following table shows medical tests required. Life Assured Total SUC Medical Tests Rajesh Chaudhary Medical Tests Not Neccessary Ayush R Chaudhary Medical Tests Not Neccessary Please Note: The above tests is based on chart of medical test received from LIC. Breakup of Returns Sum Assured & Survival's Bonus Final Additional Bonus 5000 Guranted Addition Loyalty Addition Unit Value UnitValue LA 27.51% 24.81% 22.90% Sum Assured 3.61% Bonus 0.19% FAB 20.99% GA He who blames others has a long way to go on his journey.

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