V. VEERAMANI M.Sc., M.Phil.

,
Development Officer - LIC OF INDIA
LIC Of India
Rasipuram - 637408.
Mobile : 98427 46021
Email : veera.best@gmail.com

New Jeevan Anand

Mr. Nagendran Sir

LIC for every need

Dated :
Life is unpredictable. To help
you take control of your life,
you need insurance. Which
brings us to the most common
dilemma you face: what to
choose. Thats why there is
Life Insurance Corporation.

23/09/2015

customized insurance products

that suit your specific needs,
and help you plan for a secure
future.

The biggest life insurance

company in India, with a
network of over 13 lakh agents
and 2048 branches all over
India. With the highest claim
settlement record in the world
and a customer base of over
30 crore policy holders, LIC
brings with it a world of
experience. LIC Offers you

Highlights

Insure now, not because you are to die, but they are to live

Page 1

V. VEERAMANI M.Sc., M.Phil.,

Development Officer - LIC OF INDIA
LIC Of India
Rasipuram - 637408.
Mobile : 98427 46021
Email : veera.best@gmail.com

Mr. Nagendran Sir (27 Yrs)

Say yes to family security , say yes to Life Insurance

Page 2

V. VEERAMANI M.Sc., M.Phil.,

Development Officer - LIC OF INDIA
LIC Of India
Rasipuram - 637408.
Mobile : 98427 46021
Email : veera.best@gmail.com

Mr. Nagendran Sir (27 Yrs)

Insure today for better tomorrow

Page 3

V. VEERAMANI M.Sc., M.Phil.,

Development Officer - LIC OF INDIA
LIC Of India
Rasipuram - 637408.
Mobile : 98427 46021
Email : veera.best@gmail.com

Mr. Nagendran Sir (27 Yrs)

Presentation Details
SNo

Date of
Plan
Commence

23/09/2015 815

Name of Plan

New Jeevan Anand

Term

PPT

16

Mode

16

Hly

Total

Sum Assured

Accident
Benefit

Premium

Service
Tax

Bonus /
G.A*

1,00,000

1,00,000

3,795

117

1,00,000

1,00,000

3,795

117

49.0

Annual Premium, Risk Cover & Loan Availability Table*

The below table shows the Annual Premium Paid, Risk Cover, Returns & Loan Availability at the end of each year. The Tax saved is c
alculated @ 10.30%
Date

Age

Risk Cover
Normal

23/09/2015
23/09/2016
23/09/2017
23/09/2018
23/09/2019
23/09/2020
23/09/2021
23/09/2022
23/09/2023
23/09/2024
23/09/2025
23/09/2026
23/09/2027
23/09/2028
23/09/2029
23/09/2030
23/09/2031
23/09/2032
23/09/2033
23/09/2034
23/09/2035
23/09/2036
23/09/2037
23/09/2038
23/09/2039
23/09/2040
23/09/2041
23/09/2042
23/09/2043
23/09/2044
23/09/2045
23/09/2046
23/09/2047

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
59

1,29,900
1,34,800
1,39,700
1,44,600
1,49,500
1,54,400
1,59,300
1,64,200
1,69,100
1,74,000
1,78,900
1,83,800
1,88,700
1,93,600
1,99,500
2,04,900
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000

Accident

2,29,900
2,34,800
2,39,700
2,44,600
2,49,500
2,54,400
2,59,300
2,64,200
2,69,100
2,74,000
2,78,900
2,83,800
2,88,700
2,93,600
2,99,500
3,04,900
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000

Annual
Premium

7,825
7,707
7,707
7,707
7,707
7,707
7,707
7,707
7,707
7,707
7,707
7,707
7,707
7,707
7,707
7,707
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

Tax Saved

782
782
782
782
782
782
782
782
782
782
782
782
782
782
782
782
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

Nett.
Premium

7,043
6,925
6,925
6,925
6,925
6,925
6,925
6,925
6,925
6,925
6,925
6,925
6,925
6,925
6,925
6,925
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

Returns From Cash In Hand

LIC

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,79,900
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

When someone depends on you, you can depend on Life Insurance

1,79,900

Total Loan
Available

0
0
0
14,250
19,000
25,000
32,250
39,750
48,000
57,500
68,500
80,750
95,750
1,12,750
1,32,000
1,53,750
14,500
15,250
16,250
17,250
18,250
19,250
20,250
21,250
22,500
23,500
24,500
26,000
27,250
28,500
29,750
31,000
32,250

Page 4

V. VEERAMANI M.Sc., M.Phil.,

Development Officer - LIC OF INDIA
LIC Of India
Rasipuram - 637408.
Mobile : 98427 46021
Email : veera.best@gmail.com

Mr. Nagendran Sir (27 Yrs)

Date

Age

Risk Cover
Normal

23/09/2048 60
23/09/2049 61
23/09/2050 62
23/09/2051 63
23/09/2052 64
23/09/2053 65
23/09/2054 66
23/09/2055 67
23/09/2056 68
23/09/2057 69
23/09/2058 70
23/09/2059 71
23/09/2060 72
23/09/2061 73
23/09/2062 74
23/09/2063 75
23/09/2064 76
23/09/2065 77
23/09/2066 78
23/09/2067 79
23/09/2068 80
23/09/2069 81
23/09/2070 82
23/09/2071 83
23/09/2072 84
23/09/2073 85
23/09/2074 86
23/09/2075 87
23/09/2076 88
23/09/2077 89
23/09/2078 90
23/09/2079 91
23/09/2080 92
23/09/2081 93
23/09/2082 94
23/09/2083 95
23/09/2084 96
23/09/2085 97
23/09/2086 98
23/09/2087 99
23/09/2088 100

1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
0

Accident

1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
0

Annual
Premium

Tax Saved

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

Nett.
Premium

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

Returns From Cash In Hand

LIC

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
1,00,000

1,00,000

Total
1,23,430
12,512
1,10,918
Premium includes Service Tax. 1st Year Service Tax is 3.09% & thereafter 1.545%
Calculation includes Bonus and Final Additional Bonus available to the plan as on today.
*Liable to change according to Government / Corporation Policy

2,79,900

2,79,900

The best thing to save for old days : Self Respect

The best way to save for old days : LIFE INSURANCE

Total Loan
Available

33,500
35,000
36,250
37,750
39,250
40,500
42,000
43,250
44,750
46,250
47,500
49,000
50,250
51,750
53,000
54,250
55,750
57,000
58,250
59,500
60,500
61,750
62,750
64,000
65,000
66,000
67,000
68,000
68,750
69,750
70,750
71,500
72,500
73,500
74,500
75,500
77,500
79,500
83,750
0
0

Page 5

V. VEERAMANI M.Sc., M.Phil.,

Development Officer - LIC OF INDIA
LIC Of India
Rasipuram - 637408.
Mobile : 98427 46021
Email : veera.best@gmail.com

Mr. Nagendran Sir (27 Yrs)

Financial Year wise Return Calender
Year

Apr

May

Jun

July

Aug

Sep

2031-2032

1,79,900

2088-2089

1,00,000

Oct

Nov

Dec

Jan

Feb

Mar

Total

Other Premiums Details

Plan
SNo

Plan

815

DOC

Term

23/09/2015 16

PPT Sum Assured

16
Total

1,00,000

Accident
Benefit

1,00,000

Daily
Premium

21
21

Yly

7,746
7,746

There is no substitute for Life Insurance

Hly

3,912
3,912

Qly

1,975
1,975

SSS

Single

659
659

Page 6

V. VEERAMANI M.Sc., M.Phil.,

Development Officer - LIC OF INDIA
LIC Of India
Rasipuram - 637408.
Mobile : 98427 46021
Email : veera.best@gmail.com

Mr. Nagendran Sir (27 Yrs)

Summary
Description

Amount

Description

Maximum Risk Cover (Normal)

2,04,900.00

Returns (Maturity + Survival Benefit)

Maximum Risk Cover (Accident)

3,04,900.00

Accoumulated Amt. Under Annuity

Total Premium Paid

1,23,430.00

Compounded Value of Returns

Less : Tax Saved

Net Premium

12,512.00
1,10,918.00

Addition Gain by Loan Recycling

Net Amount in hand 23/09/2088

Amount
2,79,900.00
0.00
2,79,900.00
0.00
2,79,900.00

Yield (Without tax benefit)

4.73

Yield (With tax benefit)

5.73

Returns From LIC

Sum Assured
Bonus
Final Additional Bonus
Survival Benefits

1,00,000
78,400
1,500
1,00,000

The Following Graph shows the Total Premium paid, likely Amount receivable on Normal Claim & Accident Claim
during the term of the policy.

Insure and be secure

Page 7

V. VEERAMANI M.Sc., M.Phil.,

Development Officer - LIC OF INDIA
LIC Of India
Rasipuram - 637408.
Mobile : 98427 46021
Email : veera.best@gmail.com

Mr. Nagendran Sir (27 Yrs)

LIC v/s PPF

LIC v/s Market Investment

The below table shows the returns available on amount

invested in a PPF account @ 0.00%
Date

23/09/2015
23/09/2016
23/09/2017
23/09/2018
23/09/2019
23/09/2020
23/09/2021
23/09/2022
23/09/2023
23/09/2024
23/09/2025
23/09/2026
23/09/2027
23/09/2028
23/09/2029
23/09/2030
23/09/2031
23/09/2032
23/09/2033
23/09/2034
23/09/2035
23/09/2036
23/09/2037
23/09/2038
23/09/2039
23/09/2040
23/09/2041
23/09/2042
23/09/2043
23/09/2044
23/09/2045
23/09/2046
23/09/2047
23/09/2048
23/09/2049
23/09/2050
23/09/2051
23/09/2052
23/09/2053
23/09/2054
23/09/2055

Opening
Balance
0
7,825
15,532
23,239
30,946
38,653
46,360
54,067
61,774
69,481
77,188
84,895
92,602
1,00,309
1,08,016
1,15,723
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430

Interest

The below table shows the returns available on amount invested in a higher return
investment @ 0.00%. The tax on interest is deducted @ 10.30%

Amount
Closing
Deposited Balance
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

7,825
7,707
7,707
7,707
7,707
7,707
7,707
7,707
7,707
7,707
7,707
7,707
7,707
7,707
7,707
7,707
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

7,825
15,532
23,239
30,946
38,653
46,360
54,067
61,774
69,481
77,188
84,895
92,602
1,00,309
1,08,016
1,15,723
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430

Date

23/09/2015
23/09/2016
23/09/2017
23/09/2018
23/09/2019
23/09/2020
23/09/2021
23/09/2022
23/09/2023
23/09/2024
23/09/2025
23/09/2026
23/09/2027
23/09/2028
23/09/2029
23/09/2030
23/09/2031
23/09/2032
23/09/2033
23/09/2034
23/09/2035
23/09/2036
23/09/2037
23/09/2038
23/09/2039
23/09/2040
23/09/2041
23/09/2042
23/09/2043
23/09/2044
23/09/2045
23/09/2046
23/09/2047
23/09/2048
23/09/2049
23/09/2050
23/09/2051
23/09/2052
23/09/2053
23/09/2054
23/09/2055

Opening
Balance

Interest

0
7,825
15,532
23,239
30,946
38,653
46,360
54,067
61,774
69,481
77,188
84,895
92,602
1,00,309
1,08,016
1,15,723
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430

Death is sure, but time is uncertain

Tax On
Interest
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

Net
Amount
Closing
Interest Deposited Balance
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

7,825
7,707
7,707
7,707
7,707
7,707
7,707
7,707
7,707
7,707
7,707
7,707
7,707
7,707
7,707
7,707
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

7,825
15,532
23,239
30,946
38,653
46,360
54,067
61,774
69,481
77,188
84,895
92,602
1,00,309
1,08,016
1,15,723
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430

Page 8

V. VEERAMANI M.Sc., M.Phil.,

Development Officer - LIC OF INDIA
LIC Of India
Rasipuram - 637408.
Mobile : 98427 46021
Email : veera.best@gmail.com

Mr. Nagendran Sir (27 Yrs)

Date

LIC v/s PPF

The below table shows the returns available on amount
invested in a PPF account @ 0.00%
Date

23/09/2056
23/09/2057
23/09/2058
23/09/2059
23/09/2060
23/09/2061
23/09/2062
23/09/2063
23/09/2064
23/09/2065
23/09/2066
23/09/2067
23/09/2068
23/09/2069
23/09/2070
23/09/2071
23/09/2072
23/09/2073
23/09/2074
23/09/2075
23/09/2076
23/09/2077
23/09/2078
23/09/2079
23/09/2080
23/09/2081
23/09/2082
23/09/2083
23/09/2084
23/09/2085
23/09/2086
23/09/2087
23/09/2088

Opening
Balance
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430

Interest

Amount
Closing
Deposited Balance
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

1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430

23/09/2056
23/09/2057
23/09/2058
23/09/2059
23/09/2060
23/09/2061
23/09/2062
23/09/2063
23/09/2064
23/09/2065
23/09/2066
23/09/2067
23/09/2068
23/09/2069
23/09/2070
23/09/2071
23/09/2072
23/09/2073
23/09/2074
23/09/2075
23/09/2076
23/09/2077
23/09/2078
23/09/2079
23/09/2080
23/09/2081
23/09/2082
23/09/2083
23/09/2084
23/09/2085
23/09/2086
23/09/2087
23/09/2088

Opening
Balance

Interest

1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430

Tax On
Interest
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

Net
Amount
Closing
Interest Deposited Balance
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

1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430
1,23,430

1,23,430
Description
Life Risk Cover
Accidental Risk Cover
Compulsory Saving
Secured Investment
Treatment of Returns

Insure now, not because you are to die, but they are to live

LIC
Yes
Yes
Yes
Yes
Tax Free

Market
No
No
No
Secured / UnSecured
Tax Applicable

Page 9

V. VEERAMANI M.Sc., M.Phil.,

Development Officer - LIC OF INDIA
LIC Of India
Rasipuram - 637408.
Mobile : 98427 46021
Email : veera.best@gmail.com

Mr. Nagendran Sir (27 Yrs)

1,23,430
Description
Life Risk Cover
Accidental Risk Cover
Compulsory Saving
Min Lock in Period
Mode of Payment

LIC
Yes
Yes
Yes
3 Years
(Yly, Hly,
Qly, Mly,
SSS,
Single)

PPF
No
No
No
7 Years
At a time
(Min Rs. 100)

Say yes to family security , say yes to Life Insurance

Page 10