Presentation specially prepared for

Mr. Harish Chand

(Age: 29 yrs Retirement age: 40 yrs)

LIC's Pension Plus is a unique ULIP plan where the minimum rate of interest is guaranteed. This plan is excellent investment towards essential long term financial planning.

Pension Plus is in compliance with the current IRDA norms. Pension Plus is truly an innovative plan that suits your needs just too perfectly. The features of the plan are mentioned below:

l
A unique Unit Linked Pension Plan with guarantee on the minimum rate of interest.

l
Rate of Interest applied to gross premium.

l
Being Market Linked, the plan has possibility of getting excellent returns.

l
Due to minimum interest guarantee, you are protected against fluctuation of interest due to policies of the government in the distant future.

l
Choose any one of the 2 funds i.e. Debt (Low Risk) & Mixed (Medium Risk)

l
Free switching between funds two times every year and at a very nominal fee thereafter.

l
Top-ups facility - additional premium can be paid at anytime to invest in the funds with no upper limit.

l
Benefit on Maturity :

Annuity purchased from Fund Value or Guaranteed Maturity Proceeds whichever is higher.

Option to commute 1/3rd. of the Maturity Proceeds.

l
Compulsory purchase of Annuity ensures channelisation of funds for specific purpose.

l
Benefit on death - Fund Value. Nominee has the option to receive the amount in lump Sum or as Annuity.

l
Convenient modes of payment, Single Premium mode also available.

l
No surrender charges will be imposed after 5 yrs.

Conditions governing the Benefits Illustration shown in the subsequent pages

i) The benefits shown in the illustration on subsequent pages are calculated on the assumption that the Projected Investment Rate of Return that LICI will be able to earn throughout the term of the policy will be 6% p.a. or 10% p.a., as the case may be. The Projected Investment Rate of Return is not guaranteed.

Presented by:

Harish Chand
Delhi LIC Agent
577, GH-9, PASCHIM VIHAR NEW DELHI- 110087 ii) The annuities shown are based on the prevailing rates of L.I.C.'s Jeevan Akshay VI plan. The actual annuity payout will be as per the rates prevailing at the time of vesting. INDIA, 9811896425, 9212201725 www.delhiLICagent.com

Harish Chand
Delhi LIC Agent
577, GH-9, PASCHIM VIHAR NEW DELHI- 110087 INDIA, 9811896425, 9212201725 www.delhiLICagent.com

Pension Plus Plan Presentation For Harish Chand aged 29 years

Mode of Premium Installment Premium

: :

Yearly Rs. 100000

Date of Report Retirement Age

: :

12/11/2010 40

Growth of Debt fund under Scenario I-6%**

Charges End of Policy Year Age 1 2 3 4 5 6 7 8 9 10 11 30 31 32 33 34 35 36 37 38 39 40 Annual Premium 100000 100000 100000 100000 100000 100000 100000 100000 100000 100000 100000 Top-up Premium 0 0 0 0 0 0 0 0 0 0 0 Total Premium Paid 100000 200000 300000 400000 500000 600000 700000 800000 900000 1000000 1100000 Fund/Cash Value 97652* 202655* 313020* 429021* 550947* 681201 818108 962007 1113259 1272235 1439333 Fund Mgnt. 668 1384 2138 2929 3762 4651 5585 6567 7600 8685 9825 Service Tax 132 274 423 580 745 921 1106 1301 1505 1720 1946

Allocation 6750 4500 4500 4500 4500 2500 2500 2500 2500 2500 2500

Admin 360 371 382 393 405 417 430 443 456 470 484

Total 7910 6529 7443 8403 9412 8489 9621 10811 12061 13375 14755

* If surrendered at this stage then normal surrender charges will be deducted from this amount.

Pension Details : from year 2022

Annuity Option : F-For life with return of purchase price on death
With 1/3rd Commutation of Rs.479778 Purchase Price 959555 Purchase Price 1439333 Without Commutation

Mly. 5621

Qly. 17044

Hly. 34424

Yly. 70335

Mly. 8432

Qly. 25566

Hly. 51636

Yly. 105503

* For private circulation only

Harish Chand
Delhi LIC Agent
577, GH-9, PASCHIM VIHAR NEW DELHI- 110087 INDIA, 9811896425, 9212201725 www.delhiLICagent.com

Pension Plus Plan Presentation For Harish Chand aged 29 years

Mode of Premium Installment Premium

: :

Yearly Rs. 100000

Date of Report Retirement Age

: :

12/11/2010 40

Growth of Debt fund under Scenario II-10%**

End of Policy Year 1 2 3 4 5 6 7 8 9 10 11

Age 30 31 32 33 34 35 36 37 38 39 40

Annual Premium 100000 100000 100000 100000 100000 100000 100000 100000 100000 100000 100000

Top-up Premium 0 0 0 0 0 0 0 0 0 0 0

Total Premium Paid 100000 200000 300000 400000 500000 600000 700000 800000 900000 1000000 1100000

Charges Fund/Cash Value Allocation 101343 214336 337581 472009 618637 780753 957583 1150462 1360850 1590336 1840652 Fund Mgnt. 681 1440 2267 3169 4153 5242 6428 7723 9135 10675 12356 Service Tax 135 285 449 628 823 1038 1273 1530 1809 2114 2447

Admin 360 371 382 393 405 417 430 443 456 470 484

Total 7926 6596 7598 8690 9881 9197 10632 12195 13901 15760 17787

* * * * *

6750 4500 4500 4500 4500 2500 2500 2500 2500 2500 2500

* If surrendered at this stage then normal surrender charges will be deducted from this amount.

Pension Details : from year 2022

Annuity Option : F-For life with return of purchase price on death
With 1/3rd Commutation of Rs.613551 Purchase Price 1227101 Purchase Price 1840652 Without Commutation

Mly. 7189

Qly. 21796

Hly. 44022

Yly. 89947

Mly. 10783

Qly. 32695

Hly. 66033

Yly. 134920

* For private circulation only

Harish Chand
Delhi LIC Agent
577, GH-9, PASCHIM VIHAR NEW DELHI- 110087 INDIA, 9811896425, 9212201725 www.delhiLICagent.com

Pension Plus Plan Presentation For Harish Chand aged 29 years

Mode of Premium Installment Premium

: :

Yearly Rs. 100000

Date of Report Retirement Age

: :

12/11/2010 40

Growth of Debt fund based on LIC'S performance in Endowment Plus

Endowment Plus of LIC was launched on 20/09/2010. The units became NAV based (initial NAV of Rs 10) on 20/09/2010. Current NAV of Bond Fund as on 12-Nov-2010. is Rs. 10.0000 Average annual growth is : 0.00% If we hypothetically assume similar performance of LIC in managing the fund of Pension Plus, then the benefits can be projected as under:

Charges End of Policy Year Age Annual Premium Top-up Premium Total Premium Paid Fund/Cash Value 92115 * 185684 * 278462 * 370456 * 461673 * 554102 645747 736618 826718 916055 1004633 Fund Mgnt. Service Tax

Allocation

Admin

Total

1 2 3 4 5 6 7 8 9 10 11

30 31 32 33 34 35 36 37 38 39 40

100000 100000 100000 100000 100000 100000 100000 100000 100000 100000 100000

0 0 0 0 0 0 0 0 0 0 0

100000 200000 300000 400000 500000 600000 700000 800000 900000 1000000 1100000

6750 4500 4500 4500 4500 2500 2500 2500 2500 2500 2500

647 1303 1953 2598 3237 3885 4528 5165 5796 6422 7043

360 371 382 393 405 417 430 443 456 470 484

128 258 387 515 641 769 897 1023 1148 1272 1395

7885 6432 7222 8006 8784 7572 8354 9130 9900 10664 11422

* If surrendered at this stage then normal surrender charges will be deducted from this amount.

## The above illustration is purely indicative. The fund management of Pension Plus is independent of Endowment Plus and therefore Pension Plus results can vary significantly.

## The past performance is not indication of future returns. Sustainance of such growth in future is dependant on market conditions and hence cannot be guaranteed.

Pension Details : from year 2022

Annuity Option : F-For life with return of purchase price on death
With 1/3rd Commutation of Rs.334878 Purchase Price 669756 Purchase Price 1004633 Without Commutation

Mly. 3924

Qly. 11897

Hly. 24027

Yly. 49093

Mly. 5885

Qly. 17845

Hly. 36041

Yly. 73640

* For private circulation only