Proposal for Mr Saha Subhrajeet

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 50 years has been a
process called TRUST.

50 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”

KESHAV B. NHALVE
LIC INSURANCE ADVISER
A/11, SECAND FLOOR, GOPAL HOUSING SOCIETY, NEAR RAILWY GATE,
BHANGARWADI, LONAVLA - 410401, MOBILE NO. 9850237715
 KESHAV B. NHALVE
LIC INSURANCE ADVISER

A/11, SECAND FLOOR, GOPAL HOUSING SOCIETY, NEAR RAILWY GATE,

BHANGARWADI, LONAVLA - 410401, MOBILE NO. 9850237715

Name: Mr Saha Subhrajeet Age: 25 Date: 22/08/2010

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.

Take risks: if you win, you will be happy; if you loose, you will be wise 40
 KESHAV B. NHALVE
LIC INSURANCE ADVISER

A/11, SECAND FLOOR, GOPAL HOUSING SOCIETY, NEAR RAILWY GATE,

BHANGARWADI, LONAVLA - 410401, MOBILE NO. 9850237715

Name: Mr Saha Subhrajeet Age: 25 Date: 22/08/2010

Presentation Details

Plan Plan Name Term Sum Bonus Mode *Premium Total Maturity Maturity
/ PPT Assured Prem's Paid Year Amount

149 Jeevan Anand 21/21 600000 45 Yly 30093 631953 2031 1401000
Total: 600000 30093 631953
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 Rider Total Prem's
Term Premium Paid
149 21 21 Double Accident Benefit 500000 21 0 0
Total 0 0

Agents Copy

Sr. DOC Pn / Tm / Sum Mode No of

No. PPT Assured Yearly Half Yearly Quaterly Monthly SSS Single Per Day Inst.

1 22/08/2010 149/21/21 600000 30093 15287 7764 2722 2588 0 82.45 0

30093 15287 7764 2722 2588 0 82.45

Success occurs when opportunity meets prepareation 40

 KESHAV B. NHALVE
LIC INSURANCE ADVISER

A/11, SECAND FLOOR, GOPAL HOUSING SOCIETY, NEAR RAILWY GATE,

BHANGARWADI, LONAVLA - 410401, MOBILE NO. 9850237715

Name: Mr Saha Subhrajeet Age: 25 Date: 22/08/2010

Return's Spreadsheet
Tax Slab: 30%

Year Age Normal Accident Annual Tax Net Returns Net Returns Surrender Total Loan
Riskcover Riskcover Premium Saved Premium from LIC Value Available

2010 25 627000 1127000 30093 9028 21065 0 -21065 0 0

2011 26 654000 1154000 30093 9028 21065 0 -21065 0 0
2012 27 681000 1181000 30093 9028 21065 0 -21065 24511 22060
2013 28 708000 1208000 30093 9028 21065 0 -21065 56256 50631
2014 29 735000 1235000 30093 9028 21065 0 -21065 77614 69853
2015 30 762000 1262000 30093 9028 21065 0 -21065 101915 91723
2016 31 789000 1289000 30093 9028 21065 0 -21065 129511 116560
2017 32 816000 1316000 30093 9028 21065 0 -21065 160763 144687
2018 33 843000 1343000 30093 9028 21065 0 -21065 196056 176450
2019 34 870000 1370000 30093 9028 21065 0 -21065 235906 212315
2020 35 897000 1397000 30093 9028 21065 0 -21065 280728 252655
2021 36 924000 1424000 30093 9028 21065 0 -21065 331193 298074
2022 37 951000 1451000 30093 9028 21065 0 -21065 382299 344069
2023 38 978000 1478000 30093 9028 21065 0 -21065 439832 395849
2024 39 1029000 1529000 30093 9028 21065 0 -21065 504766 454290
2025 40 1068000 1568000 30093 9028 21065 0 -21065 578516 520664
2026 41 1113000 1613000 30093 9028 21065 0 -21065 662498 596248
2027 42 1152000 1652000 30093 9028 21065 0 -21065 763818 687436
2028 43 1212000 1712000 30093 9028 21065 0 -21065 878027 790224
2029 44 1320000 1820000 30093 9028 21065 0 -21065 1006878 906190
2030 45 1401000 1901000 30093 9028 21065 0 -21065 1151947 1036752
2031 46 600000 1100000 0 0 0 1401000 1401000 114600 103140
2032 47 600000 1100000 0 0 0 0 0 121080 108972
2033 48 600000 1100000 0 0 0 0 0 127800 115020
2034 49 600000 1100000 0 0 0 0 0 134700 121230
2035 50 600000 1100000 0 0 0 0 0 141840 127656
2036 51 600000 1100000 0 0 0 0 0 149220 134298
2037 52 600000 1100000 0 0 0 0 0 156840 141156
2038 53 600000 1100000 0 0 0 0 0 163440 147096
2039 54 600000 1100000 0 0 0 0 0 172620 155358
2040 55 600000 1100000 0 0 0 0 0 180840 162756
2041 56 600000 1100000 0 0 0 0 0 189180 170262
2042 57 600000 1100000 0 0 0 0 0 197700 177930
2043 58 600000 1100000 0 0 0 0 0 206400 185760
2044 59 600000 1100000 0 0 0 0 0 215220 193698
2045 60 600000 1100000 0 0 0 0 0 224160 201744
2046 61 600000 1100000 0 0 0 0 0 233280 209952
2047 62 600000 1100000 0 0 0 0 0 242400 218160
2048 63 600000 1100000 0 0 0 0 0 251640 226476
2049 64 600000 1100000 0 0 0 0 0 260940 234846
2050 65 600000 1100000 0 0 0 0 0 270180 243162
2051 66 600000 1100000 0 0 0 0 0 279720 251748
2052 67 600000 1100000 0 0 0 0 0 289080 260172
2053 68 600000 1100000 0 0 0 0 0 298440 268596
2054 69 600000 1100000 0 0 0 0 0 307800 277020

There is no substitute for Life Insurance 40

 KESHAV B. NHALVE
LIC INSURANCE ADVISER

A/11, SECAND FLOOR, GOPAL HOUSING SOCIETY, NEAR RAILWY GATE,

BHANGARWADI, LONAVLA - 410401, MOBILE NO. 9850237715

Name: Mr Saha Subhrajeet Age: 25 Date: 22/08/2010

2055 70 600000 600000 0 0 0 0 0 317100 285390

2056 71 600000 600000 0 0 0 0 0 326340 293706
2057 72 600000 600000 0 0 0 0 0 335520 301968
2058 73 600000 600000 0 0 0 0 0 344580 310122
2059 74 600000 600000 0 0 0 0 0 353520 318168
2060 75 600000 600000 0 0 0 0 0 362280 326052
2061 76 600000 600000 0 0 0 0 0 370920 333828
2062 77 600000 600000 0 0 0 0 0 379440 341496
2063 78 600000 600000 0 0 0 0 0 387720 348948
2064 79 600000 600000 0 0 0 0 0 395880 356292
2065 80 600000 600000 0 0 0 0 0 403800 363420
2066 81 600000 600000 0 0 0 0 0 411480 370332
2067 82 600000 600000 0 0 0 0 0 418980 377082
2068 83 600000 600000 0 0 0 0 0 426240 383616
2069 84 600000 600000 0 0 0 0 0 433260 389934
2070 85 600000 600000 0 0 0 0 0 440100 396090
2071 86 600000 600000 0 0 0 0 0 446640 401976
2072 87 600000 600000 0 0 0 0 0 453000 407700
2073 88 600000 600000 0 0 0 0 0 459120 413208
2074 89 600000 600000 0 0 0 0 0 465240 418716
2075 90 600000 600000 0 0 0 0 0 471120 424008
2076 91 600000 600000 0 0 0 0 0 477120 429408
2077 92 600000 600000 0 0 0 0 0 483060 434754
2078 93 600000 600000 0 0 0 0 0 489180 440262
2079 94 600000 600000 0 0 0 0 0 496980 447282
2080 95 600000 600000 0 0 0 0 0 503820 453438
2081 96 600000 600000 0 0 0 0 0 516780 465102
2082 97 600000 600000 0 0 0 0 0 529440 476496
2083 98 600000 600000 0 0 0 0 0 558600 502740
2084 99 600000 600000 0 0 0 0 0 564000 507600
2085 100 0 0 0 0 0 600000 600000 0 0
Total: 631953 189588 442365 2001000 1558635

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 9.58% with tax benefit.
(*) The above illustration gives an effective yield of 6.85% 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.

Happiness is a path, not a destination 40

 KESHAV B. NHALVE
LIC INSURANCE ADVISER

A/11, SECAND FLOOR, GOPAL HOUSING SOCIETY, NEAR RAILWY GATE,

BHANGARWADI, LONAVLA - 410401, MOBILE NO. 9850237715

Name: Mr Saha Subhrajeet Age: 25 Date: 22/08/2010

Summary

Maximum Risk Cover (Normal) 1401000

Maximum Risk Cover (Accidental) 1901000

Total Premium Paid 631953

Total Tax Saved u/s 80C 189588

NetPremium 442365
Returns (Maturity and Survival) 2001000
Compounded Value Of Returns 2001000

Additional Gain by Loan Recycling 0

Net Amount In Hand On 22/08/2085 2001000
Yield WithOut Tax Benefit 6.85

Yield With Tax Benefit 9.58

Breakup of Returns
234000

Sum Assured & Survival's 600000 600000

Bonus 567000
Final Additional Bonus 234000 567000

A man is at his tallest when he stoops to help a child 40