Market Insights

Savings – Future
Provision

Huge Disposable
Income

Black Economy
 Tax Benefits
Sec 80 C
Sec 10 10(D)
100% TAX FREE
Returns
 Positioning
 As an attractive Investment
 As Tax Saver
 As FD / Term Deposit.
 Hassle Free Investment – No
Medical Examination
 Claim Recycling …
 Provision for Children’s
education / marriage etc.
 Closes on 31st March 2010
 Need Analysis

After 5 years

After 7 years

After 10 years
Payment Options
 Single Premium Option Very ideal to
target FD / Term Deposit. The most
attractive in this segment with risk
cover tax benefit & tax free return

 5 Years Term: As provision for

daughter’s marriage. FD

 10 Years Term: Suitable for investors in

the Bond segment
Segment ,Target & Position

Position as a comprehensive all in one

deposit from LIC.
Excellent Returns, Tax Cover & Risk
Cover
Avail 100% tax benefit u/s 10(10)D
Loyalty Addition – The cutting Edge
Close Ended Scheme.
Guaranteed Returns
Segment ,Target & Position

Value Added Benefits

10 year term ideally suited, as Maturity S.A is
high, attractive high premium incentives,
option to quit at the end of 5 years also there
Reinvestment may not be possible if lower
term is taken
• Plan available only to existing customers – Cross
Selling
• One Lakh Single Premium aiming the tax payer
• Create Team Nischay Agents to enable Product
Champions & MDRT through Aastha.
• Target all Survival Benefits and Maturity Claims
• Senior citizens can be motivated to take policy on
the lives of children and get it assigned
Person Aged 35: An Investment of Rs. 100,000/
Basic SA: Rs.5 lacs Term 10 Years
IT Benefit @ 33.9 % 33,900
Net Investment 66,100
Maturity Sum Assured 1,71,000
Large Premium Incentive 14,535
Loyalty Addition (Approx.) 30,000
Total 2,15,535
Yield 12.55%
( taking into account 80C benefit )
 SBI Cuts Deposit Rates
6th time since April
From 2.75% to 7.5% ( 8to 10 Yrs )
It was 10.5% in Dec. 2008. 2 nd Oct ‘09

• Incomparable returns – Higher than Bank / Post Office.

• The Unique product in the market.
• Sec 80C Sec 10(10D) – a unique blend – Monthly Sum
Assured + High Premium Incentives + Loyalty Additions.
• Long term RBI bond now trades at 4.9% signalling the
onset of a low interest rates.
• Best for NRI / NRE as interest rates are negligible abroad.
 Well Suited For NRIs

NRI Deposit Rates: FCNR Foreign currency nonresident US$

2.26% ( 2 Yrs) 2.35% ( 3 Yrs) 2.92 % (4 Yrs) Pounds 2.1% to
3.55% Rupee NRE a/c 3.01% to 3.67% for long term. 2nd Oct ‘09
• NRIs can pay the premium through NRE/NRO
accounts.
• Claim, Survival Benefit etc. will be credited to the
same account.
• Financial protection/prudent wealth
accumulation through LIC.
 www.scribd.com/babujee

• KNG BABUJEE
• Certified Financial Consultant
(All Insurance / All Mutual Funds / All Fixed Deposits / Real
Estate)

• LIC
• No.15/38, Second Floor,
Annasalai,Chennai-600002

• Mobile No: 9884635430

• Email mca_babujee@yahoo.com
• Profile: http://www.scribd.com/babujee
Summing Up
• Excellent product for the
current scenario
• Easy to complete – No
medical examination
• Close Ended – adds to
the activity level
• Meets the expectation of
all types of people Opportunities are never
lost;
• Excellent Market
available – FD The other person takes
those you miss.
• A plan for every person
• Participation should be
widespread