Jeevan Hariyali

DataComp Web Technologies (I) Pvt. Ltd.
Magic Mix Illustration for Mr. Jeevan Hariyali (age 45) Ref. No. 008
Date : 04/08/2009
Proposed Insurance
Term/ Basic Sum Term Accident Crit.Illness. Premium Install. Tax

Id Com.Date Plan Name PPT Assured Rider SA Rider SA Rider SA Waiver Md. Premium Beneficiary
1 04/08/09 189-Jeevan Akshay - VI 0/ 1 0 0 0 0 - O 10,00,000

2 04/08/09 149-Jeevan Anand 25/25 5,00,000 0 5,00,000 0 - Y 24,567
3 04/08/09 178-Jeevan Tarang 20/20 5,00,000 0 0 0 - Y 25,041
10,00,000 0 5,00,000 0
Annual Premium: 49,608
Modewise Summary of Installment Premiums
Interim * Bonus #Assu PREMIUM

Id Com. Date Plan/Tm/PPT Bonus Rate Step FAB SSS Monthly Quaterly Half Yearly Yearly
Rate Rate
1 04/08/09 189/ 0/ 1 0 0 0 0 0
2 04/08/09 149/25/25 45 45 0.00 750 2,112 2,221 6,337 12,479 24,567
3 04/08/09 178/20/20 48 48 0.00 0 2,131 2,242 6,394 12,654 25,041
4,243 4,463 12,731 25,133 49,608
1. '*' : - Assuming LIC will declare the above mentioned bonus rates for the year ended 31-Mar-2009
2. '#' : - Assuming that bonus rate declared by LIC will increase/decrease per year by step rate mentioned above.
3. '%' : - Assumed Growth Rate
Medical Requirement Details
Sum at Risk: 10,00,000 Medical by DMR: No
Disclaimer: The figures presented in this entire illustration are indicative and solely for the purpose of understanding the possible benefits from the
proposed insurance. The benefits are not guaranteed and the actual results may depend on the future performance of the insurer.
Benefits Illustration
Fin. Year Risk Cover Additional Cover For the Year Cash Loan
Ending Age (Natural Death) Accident Crit. Ill. PWB Premium Returns Cash Flow Value Available
31/03/10 46 20,46,500 5,00,000 0 0 10,49,608 0 -10,49,608 0 0

31/03/11 47 20,93,000 5,00,000 0 0 49,608 73,600 23,992 0 0
31/03/12 48 21,39,500 5,00,000 0 0 49,608 73,600 23,992 37,286 33,750
31/03/13 49 21,86,000 5,00,000 0 0 49,608 73,600 23,992 88,268 79,250
31/03/14 50 22,32,500 5,00,000 0 0 49,608 73,600 23,992 1,21,893 1,09,750
31/03/15 51 22,79,000 5,00,000 0 0 49,608 73,600 23,992 1,60,152 1,44,250
31/03/16 52 23,25,500 5,00,000 0 0 49,608 73,600 23,992 2,03,502 1,83,250
31/03/17 53 23,72,000 5,00,000 0 0 49,608 73,600 23,992 2,52,691 2,27,500
31/03/18 54 24,18,500 5,00,000 0 0 49,608 73,600 23,992 3,08,203 2,77,500
31/03/19 55 24,65,000 5,00,000 0 0 49,608 73,600 23,992 3,70,762 3,33,750
31/03/20 56 25,11,500 5,00,000 0 0 49,608 73,600 23,992 4,39,253 3,95,500
31/03/21 57 25,58,000 5,00,000 0 0 49,608 73,600 23,992 5,13,979 4,62,750
31/03/22 58 26,04,500 5,00,000 0 0 49,608 73,600 23,992 5,97,993 5,38,000
31/03/23 59 26,51,000 5,00,000 0 0 49,608 73,600 23,992 6,92,685 6,23,250
31/03/24 60 27,17,500 5,00,000 0 0 49,608 73,600 23,992 7,99,807 7,20,000
31/03/25 61 27,74,000 5,00,000 0 0 49,608 73,600 23,992 9,20,547 8,28,500
31/03/26 62 28,35,500 5,00,000 0 0 49,608 73,600 23,992 10,56,272 9,50,500
31/03/27 63 28,92,000 5,00,000 0 0 49,608 73,600 23,992 12,09,467 10,88,500
31/03/28 64 29,66,000 5,00,000 0 0 49,608 73,600 23,992 13,82,424 12,44,000
31/03/29 65 30,80,000 5,00,000 0 0 49,608 73,600 23,992 16,13,835 14,20,250
31/03/30 66 26,67,500 5,00,000 0 0 24,567 5,53,600 5,29,033 12,01,553 10,81,500
31/03/31 67 27,35,000 5,00,000 0 0 24,567 1,01,100 76,533 13,05,616 11,75,000
31/03/32 68 28,02,500 5,00,000 0 0 24,567 1,01,100 76,533 14,22,390 12,80,250
31/03/33 69 28,70,000 5,00,000 0 0 24,567 1,01,100 76,533 15,53,722 13,98,250
31/03/34 70 29,37,500 5,00,000 0 0 24,567 1,01,100 76,533 18,46,789 14,92,500
31/03/35 71 20,00,000 0 0 0 0 15,38,600 15,38,600 7,21,950 6,49,750
31/03/36 72 20,00,000 0 0 0 0 1,01,100 1,01,100 7,29,599 6,56,750
31/03/37 73 20,00,000 0 0 0 0 1,01,100 1,01,100 7,37,150 6,63,500
31/03/38 74 20,00,000 0 0 0 0 1,01,100 1,01,100 7,44,599 6,70,250
31/03/39 75 20,00,000 0 0 0 0 1,01,100 1,01,100 7,51,900 6,76,750
31/03/40 76 20,00,000 0 0 0 0 1,01,100 1,01,100 7,59,100 6,83,250
31/03/41 77 20,00,000 0 0 0 0 1,01,100 1,01,100 7,66,200 6,89,500
31/03/42 78 20,00,000 0 0 0 0 1,01,100 1,01,100 7,73,100 6,95,750
31/03/43 79 20,00,000 0 0 0 0 1,01,100 1,01,100 7,79,900 7,02,000
31/03/44 80 20,00,000 0 0 0 0 1,01,100 1,01,100 7,86,500 7,07,750
31/03/45 81 20,00,000 0 0 0 0 1,01,100 1,01,100 7,92,900 7,13,500
31/03/46 82 20,00,000 0 0 0 0 1,01,100 1,01,100 7,99,150 7,19,250
31/03/47 83 20,00,000 0 0 0 0 1,01,100 1,01,100 8,05,200 7,24,750
31/03/48 84 20,00,000 0 0 0 0 1,01,100 1,01,100 8,11,050 7,30,000
31/03/49 85 20,00,000 0 0 0 0 1,01,100 1,01,100 8,16,749 7,35,000
31/03/50 86 20,00,000 0 0 0 0 1,01,100 1,01,100 8,22,200 7,40,000
31/03/51 87 20,00,000 0 0 0 0 1,01,100 1,01,100 8,27,500 7,44,750
31/03/52 88 20,00,000 0 0 0 0 1,01,100 1,01,100 8,32,599 7,49,250
31/03/53 89 20,00,000 0 0 0 0 1,01,100 1,01,100 8,37,700 7,54,000
31/03/54 90 20,00,000 0 0 0 0 1,01,100 1,01,100 8,42,599 7,58,250
31/03/55 91 20,00,000 0 0 0 0 1,01,100 1,01,100 8,47,599 7,62,750
31/03/56 92 20,00,000 0 0 0 0 1,01,100 1,01,100 8,52,550 7,67,250
Ending Age (Natural Death) Accident Crit. Ill. PWB Premium Returns Cash Flow Value Available
31/03/57 93 20,00,000 0 0 0 0 1,01,100 1,01,100 8,57,649 7,72,000

31/03/58 94 20,00,000 0 0 0 0 1,01,100 1,01,100 8,64,150 7,77,750
31/03/59 95 20,00,000 0 0 0 0 1,01,100 1,01,100 8,69,850 7,82,750
31/03/60 96 20,00,000 0 0 0 0 1,01,100 1,01,100 8,80,649 7,92,500
31/03/61 97 20,00,000 0 0 0 0 1,01,100 1,01,100 8,91,199 8,02,000
31/03/62 98 20,00,000 0 0 0 0 1,01,100 1,01,100 9,15,499 8,24,000
31/03/63 99 20,00,000 0 0 0 0 1,01,100 1,01,100 4,50,000 4,05,000
31/03/64 100 20,00,000 0 0 0 0 1,01,100 1,01,100 4,50,000 4,05,000
04/08/64 100 20,00,000 0 0 0 0 6,01,100 6,01,100 4,50,000 4,05,000
21,14,995 74,28,000 53,13,005
Annuity Details of Pension Plans
Annuity Commuted Purchase Annuity

Id Plan Name Term/PPT Start Date Age NCO Amount Price Amount Md Annuity Option
.
1 189 - Jeevan Akshay - 0/ 1 04/08/10 46 10,00,000 0 10,00,000 73,600 Y For life with return of
VI purchase price on death
Yield on Investments (Pre Tax) : 6.67 %
Key Assumptions
Personal Data: DOB: 04/08/1964
Income Tax: Sec. 80CCE Limit Available: 100000 Sec. 80D Limit Available: 10000
Tax Savings on premiums will be @ 33.99 % u/s 80CCE and @ 33.99 % u/s 80D
Projection Bonus: On applicable plans, last declared Interim Bonus has been considered for the purpose of projected Riskcover, Returns,
Cash Value and Loan calculations
Terminal Bonus: On applicable plans Terminal Bonus has been considered (On applicable plans last declared Terminal Bonus
Rates have been considered in the above calculations).
Loyalty Addition: Loyalty Addition has been considered on applicable plans, on the basis of indicative rates given by LIC or is
based on consistent return of 6.00 %
Premium Breakup & Tax Implication (for the year)
Premium Breakup u/s 80 CCE u/s 80 D
Fin. Year Term Critical Other Eligible Tax Ben. Eligible Tax Ben. Total
Ending Basic Rider DAB Illness PWB Rider Total Amount @33.99% Amount @33.99% Benefit
31/03/10 10,49,608 0 0 0 0 0 10,49,608 1,00,000 33,990 0 0 33,990

31/03/11 49,608 0 0 0 0 0 49,608 49,608 16,861 0 0 16,861
31/03/12 49,608 0 0 0 0 0 49,608 49,608 16,861 0 0 16,861
31/03/13 49,608 0 0 0 0 0 49,608 49,608 16,861 0 0 16,861
31/03/14 49,608 0 0 0 0 0 49,608 49,608 16,861 0 0 16,861
31/03/15 49,608 0 0 0 0 0 49,608 49,608 16,861 0 0 16,861
31/03/16 49,608 0 0 0 0 0 49,608 49,608 16,861 0 0 16,861
31/03/17 49,608 0 0 0 0 0 49,608 49,608 16,861 0 0 16,861
31/03/18 49,608 0 0 0 0 0 49,608 49,608 16,861 0 0 16,861
31/03/19 49,608 0 0 0 0 0 49,608 49,608 16,861 0 0 16,861
31/03/20 49,608 0 0 0 0 0 49,608 49,608 16,861 0 0 16,861
31/03/21 49,608 0 0 0 0 0 49,608 49,608 16,861 0 0 16,861
31/03/22 49,608 0 0 0 0 0 49,608 49,608 16,861 0 0 16,861
31/03/23 49,608 0 0 0 0 0 49,608 49,608 16,861 0 0 16,861
31/03/24 49,608 0 0 0 0 0 49,608 49,608 16,861 0 0 16,861
31/03/25 49,608 0 0 0 0 0 49,608 49,608 16,861 0 0 16,861
31/03/26 49,608 0 0 0 0 0 49,608 49,608 16,861 0 0 16,861
31/03/27 49,608 0 0 0 0 0 49,608 49,608 16,861 0 0 16,861
31/03/28 49,608 0 0 0 0 0 49,608 49,608 16,861 0 0 16,861
31/03/29 49,608 0 0 0 0 0 49,608 49,608 16,861 0 0 16,861
31/03/30 24,567 0 0 0 0 0 24,567 24,567 8,350 0 0 8,350
31/03/31 24,567 0 0 0 0 0 24,567 24,567 8,350 0 0 8,350
31/03/32 24,567 0 0 0 0 0 24,567 24,567 8,350 0 0 8,350
31/03/33 24,567 0 0 0 0 0 24,567 24,567 8,350 0 0 8,350
31/03/34 24,567 0 0 0 0 0 24,567 24,567 8,350 0 0 8,350
21,14,995 0 0 0 0 0 21,14,995 11,65,387 3,96,099 0 0 3,96,099
Yield on Investments (Post Tax) : 7.81 %
Premium Calendar
Id Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar
2 - - - - 24,567 - - - - - - -
3 - - - - 25,041 - - - - - - -
- - - - 49,608 - - - - - - -
Annual Premium : 49,608
Innovative Benefits Illustration
Ending Age (Natural Death) Accident Critical Ill. PWB Payment Returns Cash Flow Value Available
31/03/10 46 20,46,500 5,00,000 0 0 10,49,608 0 -10,49,608 0 0

31/03/11 47 20,93,000 5,00,000 0 0 49,608 73,600 23,992 0 0
31/03/12 48 21,39,500 5,00,000 0 0 49,608 73,600 23,992 37,286 33,750
31/03/13 49 21,86,000 5,00,000 0 0 49,608 73,600 23,992 88,268 79,250
31/03/14 50 22,32,500 5,00,000 0 0 49,608 73,600 23,992 1,21,893 1,09,750
31/03/15 51 22,79,000 5,00,000 0 0 49,608 73,600 23,992 1,60,152 1,44,250
31/03/16 52 23,25,500 5,00,000 0 0 49,608 73,600 23,992 2,03,502 1,83,250
31/03/17 53 23,72,000 5,00,000 0 0 49,608 73,600 23,992 2,52,691 2,27,500
31/03/18 54 24,18,500 5,00,000 0 0 49,608 73,600 23,992 3,08,203 2,77,500
31/03/19 55 24,65,000 5,00,000 0 0 49,608 73,600 23,992 3,70,762 3,33,750
31/03/20 56 25,11,500 5,00,000 0 0 49,608 73,600 23,992 4,39,253 3,95,500
31/03/21 57 25,58,000 5,00,000 0 0 49,608 73,600 23,992 5,13,979 4,62,750
31/03/22 58 26,04,500 5,00,000 0 0 49,608 73,600 23,992 5,97,993 5,38,000
31/03/23 59 26,51,000 5,00,000 0 0 49,608 73,600 23,992 6,92,685 6,23,250
31/03/24 60 27,17,500 5,00,000 0 0 49,608 73,600 23,992 7,99,807 7,20,000
31/03/25 61 27,74,000 5,00,000 0 0 49,608 73,600 23,992 9,20,547 8,28,500
31/03/26 62 28,35,500 5,00,000 0 0 49,608 73,600 23,992 10,56,272 9,50,500
31/03/27 63 28,92,000 5,00,000 0 0 49,608 73,600 23,992 12,09,467 10,88,500
31/03/28 64 29,66,000 5,00,000 0 0 49,608 73,600 23,992 13,82,424 12,44,000
31/03/29 65 30,80,000 5,00,000 0 0 49,608 73,600 23,992 16,13,835 14,20,250
31/03/30 66 26,67,500 5,00,000 0 0 24,567 5,53,600 5,29,033 12,01,553 10,81,500
31/03/31 67 27,35,000 5,00,000 0 0 24,567 1,01,100 76,533 13,05,616 11,75,000
31/03/32 68 28,02,500 5,00,000 0 0 24,567 1,01,100 76,533 14,22,390 12,80,250
31/03/33 69 28,70,000 5,00,000 0 0 24,567 1,01,100 76,533 15,53,722 13,98,250
31/03/34 70 29,37,500 5,00,000 0 0 24,567 1,01,100 76,533 18,46,789 14,92,500
31/03/35 71 20,00,000 0 0 0 0 15,38,600 15,38,600 7,21,950 6,49,750
31/03/36 72 20,00,000 0 0 0 0 1,01,100 1,01,100 7,29,599 6,56,750
31/03/37 73 20,00,000 0 0 0 0 1,01,100 1,01,100 7,37,150 6,63,500
31/03/38 74 20,00,000 0 0 0 0 1,01,100 1,01,100 7,44,599 6,70,250
31/03/39 75 20,00,000 0 0 0 0 1,01,100 1,01,100 7,51,900 6,76,750
31/03/40 76 20,00,000 0 0 0 0 1,01,100 1,01,100 7,59,100 6,83,250
31/03/41 77 20,00,000 0 0 0 0 1,01,100 1,01,100 7,66,200 6,89,500
31/03/42 78 20,00,000 0 0 0 0 1,01,100 1,01,100 7,73,100 6,95,750
31/03/43 79 20,00,000 0 0 0 0 1,01,100 1,01,100 7,79,900 7,02,000
31/03/44 80 20,00,000 0 0 0 0 1,01,100 1,01,100 7,86,500 7,07,750
31/03/45 81 20,00,000 0 0 0 0 1,01,100 1,01,100 7,92,900 7,13,500
31/03/46 82 20,00,000 0 0 0 0 1,01,100 1,01,100 7,99,150 7,19,250
31/03/47 83 20,00,000 0 0 0 0 1,01,100 1,01,100 8,05,200 7,24,750
31/03/48 84 20,00,000 0 0 0 0 1,01,100 1,01,100 8,11,050 7,30,000
31/03/49 85 20,00,000 0 0 0 0 1,01,100 1,01,100 8,16,749 7,35,000
31/03/50 86 20,00,000 0 0 0 0 1,01,100 1,01,100 8,22,200 7,40,000
31/03/51 87 20,00,000 0 0 0 0 1,01,100 1,01,100 8,27,500 7,44,750
31/03/52 88 20,00,000 0 0 0 0 1,01,100 1,01,100 8,32,599 7,49,250
31/03/53 89 20,00,000 0 0 0 0 1,01,100 1,01,100 8,37,700 7,54,000
31/03/54 90 20,00,000 0 0 0 0 1,01,100 1,01,100 8,42,599 7,58,250
31/03/55 91 20,00,000 0 0 0 0 1,01,100 1,01,100 8,47,599 7,62,750
31/03/56 92 20,00,000 0 0 0 0 1,01,100 1,01,100 8,52,550 7,67,250
Ending Age (Natural Death) Accident Critical Ill. PWB Payment Returns Cash Flow Value Available
31/03/57 93 20,00,000 0 0 0 0 1,01,100 1,01,100 8,57,649 7,72,000

31/03/58 94 20,00,000 0 0 0 0 1,01,100 1,01,100 8,64,150 7,77,750
31/03/59 95 20,00,000 0 0 0 0 1,01,100 1,01,100 8,69,850 7,82,750
31/03/60 96 20,00,000 0 0 0 0 1,01,100 1,01,100 8,80,649 7,92,500
31/03/61 97 20,00,000 0 0 0 0 1,01,100 1,01,100 8,91,199 8,02,000
31/03/62 98 20,00,000 0 0 0 0 1,01,100 1,01,100 9,15,499 8,24,000
31/03/63 99 20,00,000 0 0 0 0 1,01,100 1,01,100 4,50,000 4,05,000
31/03/64 100 20,00,000 0 0 0 0 1,01,100 1,01,100 4,50,000 4,05,000
04/08/64 100 20,00,000 0 0 0 0 6,01,100 6,01,100 4,50,000 4,05,000
21,14,995 74,28,000 53,13,005
Explanatory Notes
Payment to L.I.C. indicates Annual Premium and /or Advance Premiums

Returns in the Year indicates Normal Cash Flow and /or Cash Flow taken from L.I.C. in installments (Inclusive of Interest).
Annuity Details of Pension Plans
Annuity Commuted Purchase Annuity

Id Plan Name Term/PPT Start Date Age NCO Amount Price Amount Md Annuity Option
.
1 189 - Jeevan Akshay - V 0/ 1 04/08/10 46 10,00,000 0 10,00,000 73,600 Y For life with return of
purchase price on death
Yield on Investments (Pre Tax) : 6.67 %

Jeevan Hariyali

Enviado por

Dados do documento

Descrição original:

Título original

Direitos autorais

Formatos disponíveis

Compartilhar este documento

Compartilhar ou incorporar documento

Opções de compartilhamento

Você considera este documento útil?

Este conteúdo é inapropriado?

Direitos autorais:

Formatos disponíveis

Jeevan Hariyali

Enviado por

Direitos autorais:

Formatos disponíveis

DataComp Web Technologies (I) Pvt. Ltd.

Term/ Basic Sum Term Accident Crit.Illness. Premium Install. Tax

1 04/08/09 189-Jeevan Akshay - VI 0/ 1 0 0 0 0 - O 10,00,000

Annual Premium: 49,608

Modewise Summary of Installment Premiums

Interim * Bonus #Assu PREMIUM

4,243 4,463 12,731 25,133 49,608

3. '%' : - Assumed Growth Rate

Medical Requirement Details

Sum at Risk: 10,00,000 Medical by DMR: No

31/03/10 46 20,46,500 5,00,000 0 0 10,49,608 0 -10,49,608 0 0

31/03/57 93 20,00,000 0 0 0 0 1,01,100 1,01,100 8,57,649 7,72,000

21,14,995 74,28,000 53,13,005

Annuity Details of Pension Plans

Annuity Commuted Purchase Annuity

Yield on Investments (Pre Tax) : 6.67 %

Personal Data: DOB: 04/08/1964

Premium Breakup & Tax Implication (for the year)

Premium Breakup u/s 80 CCE u/s 80 D

31/03/10 10,49,608 0 0 0 0 0 10,49,608 1,00,000 33,990 0 0 33,990

21,14,995 0 0 0 0 0 21,14,995 11,65,387 3,96,099 0 0 3,96,099

Yield on Investments (Post Tax) : 7.81 %

Annual Premium : 49,608

Innovative Benefits Illustration

31/03/10 46 20,46,500 5,00,000 0 0 10,49,608 0 -10,49,608 0 0

31/03/57 93 20,00,000 0 0 0 0 1,01,100 1,01,100 8,57,649 7,72,000

Payment to L.I.C. indicates Annual Premium and /or Advance Premiums

Annuity Details of Pension Plans

Annuity Commuted Purchase Annuity

Yield on Investments (Pre Tax) : 6.67 %

Você também pode gostar