HARISH CHAND

Life Insurance Corporation of India

Paschim Vihar, New Delhi
Ph: 9811896425
e-mail. harishchand@in.com

Jeevan Anand
. . . . a life free of worries

24/05/2012
Illustration specially customized for Mr. XYZ Aged 41 Years.

Jeevan Anand is an innovative insurance product from Life Insurance Corporation of India,
which combines the benefits of an Endowment Policy and a Whole Life Policy.
Under this plan you pay premiums for a limited period. During the premium paying period
you are covered to the extent of the sum assured and the bonuses that vest on this policy.
After the premium term is over the sum assured together with accumulated bonuses and
final additional bonus (if any) become payable to you free of any income tax.
The highlight of this plan is that even after the maturity of the policy the coverage on your
life continues for your lifetime to the extent of the sum assured without the payment of
any further premiums.

General Terms of this Plan

Minimum Age At Entry

18 years completed

Maximum Age At Entry

65 years (Age Nearer Birthday)

Maximum Premium
Ceasing Age

75 years (Age Nearer Birthday)

Premium Paying Term

5 years to 57 years

Minimum Sum Assured

Rs. 1,00,000

Maximum Sum Assured

No Limit

Double Accident
Benefit

Exclusively available upto Rs.5,00,000 during the Premium

paying term and thereafter upto age 70. No additional
premium is required to be paid

Loans

Available after payment of 3 full years premiums

HARISH CHAND
Life Insurance Corporation of India
Paschim Vihar, New Delhi
Ph: 9811896425
e-mail. harishchand@in.com

A Proposal Jeevan Anand for you

Sum Proposed

: Rs.1400000

Premium Payable For

: 16 Years

Premium Payable

: Yearly

Basic Premium

: Rs.107713

Rider Premiums

: Rs.0

Total Premium

Assumed Bonus Rate

*
: 49

Step Rate

: Rs. 107713
#
:0

Interim Bonus Rate

Sec.80 CCE Inv. Limit

: 43

: Rs.100000

Sec.80 CCE Tax Rebate

: 30.90%

Insurance Facts
Risk Cover
Year

Age

Normal

Accident

Annual
Premium

Tax
Saved

Nett
Premium

Returns
From L.I.C.

New Loan
Available

Total Loan
Available
0

2012

41

1460200

1960200

107713

30900

76813

2013

42

1537200

2037200

107713

30900

76813

2014

43

1605800

2105800

107713

30900

76813

108250

108250

2015

44

1674400

2174400

107713

30900

76813

93500

201750

2016

45

1743000

2243000

107713

30900

76813

82750

284500

2017

46

1811600

2311600

107713

30900

76813

94250

378750

2018

47

1880200

2380200

107713

30900

76813

107250

486000

2019

48

1948800

2448800

107713

30900

76813

114250

600250

2020

49

2017400

2517400

107713

30900

76813

128500

728750

2021

50

2086000

2586000

107713

30900

76813

146000

874750

2022

51

2154600

2654600

107713

30900

76813

165750

1040500

2023

52

2223200

2723200

107713

30900

76813

189750

1230250

2024

53

2291800

2791800

107713

30900

76813

226000

1456250

2025

54

2360400

2860400

107713

30900

76813

257000

1713250

2026

55

2457000

2957000

107713

30900

76813

290750

2004000

2027

56

2539902

3039902

107713

30900

76813

329250

2333250

2028

57

1400000

1900000

2532600

415250

415250

2029

58

1400000

1900000

18250

433500

2030

59

1400000

1900000

18500

452000

2031

60

1400000

1900000

18750

470750

2032

61

1400000

1900000

19250

490000

2033

62

1400000

1900000

19000

509000

2034

63

1400000

1900000

19500

528500

2035

64

1400000

1900000

19500

548000

2036

65

1400000

1900000

19750

567750

2037

66

1400000

1900000

19750

587500

2038

67

1400000

1900000

19500

607000

2039

68

1400000

1900000

19750

626750

2040

69

1400000

1900000

19750

646500

2041

70

1400000

1400000

19500

666000

2042

71

1400000

1400000

19250

685250

2043

72

1400000

1400000

19250

704500

2044

73

1400000

1400000

19000

723500

2045

74

1400000

1400000

19000

742500

2046

75

1400000

1400000

18250

760750

2047

76

1400000

1400000

18250

779000

2048

77

1400000

1400000

17750

796750

2049

78

1400000

1400000

17500

814250

2050

79

1400000

1400000

17000

831250

2051

80

1400000

1400000

16750

848000

2052

81

1400000

1400000

16000

864000

2053

82

1400000

1400000

15750

879750

2054

83

1400000

1400000

15250

895000

2055

84

1400000

1400000

14750

909750

2056

85

1400000

1400000

14500

924250

2057

86

1400000

1400000

13750

938000

2058

87

1400000

1400000

13250

951250

2059

88

1400000

1400000

13000

964250

2060

89

1400000

1400000

12750

977000

2061

90

1400000

1400000

12250

989250

2062

91

1400000

1400000

12750

1002000

2063

92

1400000

1400000

12500

1014500

2064

93

1400000

1400000

12750

1027250

2065

94

1400000

1400000

16500

1043750

2066

95

1400000

1400000

14250

1058000

2067

96

1400000

1400000

27250

1085250

2068

97

1400000

1400000

26500

1111750

2069

98

1400000

1400000

61250

1173000

2070

99

1400000

1400000

43500

1216500

2071

100

1400000

1400000

1723408

494400

1229008

2532600

HARISH CHAND
Life Insurance Corporation of India
Paschim Vihar, New Delhi
Ph: 9811896425
e-mail. harishchand@in.com

Benefits Summary*
Minimum Risk Cover (Normal)

Rs. 1460200

Minimum Risk Cover (Accidental)

Rs. 1960200

Maximum Risk Cover (Normal)

Rs. 2532600

Maximum Risk Cover (Accidental)

Rs. 3032600

Annual Tax Savings (Sec. 80 CCE)

Rs. 30900

Total Premium to be paid

Rs. 1723408

Maturity Amount in 2028

Rs. 2532600

Yield on Investment

8.07%

Free Risk Cover from 2028

onwards for Lifetime

Rs. 1400000

Free additional accidental cover

from 2028 to 2041 ,when you
reach age of 70 yrs

Rs. 500000

1. '*' : - Assuming that LIC will declare the above mentioned bonus rates for the year ended 31-Mar-2012
2. '#' : - Assuming that bonus rate declared by LIC will increase/decrease per year by step rate mentioned above.

The above statement is based on certain assumptions which are

liable to change according to Government/Corporation's policies.