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"Insure & be secure"

A presentation specially compiled for

Mrs. Rupali

Presented by :-

KIRAN BRAHMABHATT
DEVELOPMENT OFFICER (BR:- 86F/7 )
26, VISHAL ROW HOUSE, B/H GANGESHWAR TEMPLE, C.S. ROAD, ADAJAN, SURAT.395009.
MOB:- 98795 16604. E-mail:- kiran_bbhatt@yahoo.co.in

KIRAN BRAHMABHATT
DEVELOPMENT OFFICER (BR:- 86F/7 )
26, VISHAL ROW HOUSE, B/H GANGESHWAR TEMPLE,
C.S. ROAD, ADAJAN, SURAT.395009.
MOB:- 98795 16604.
E-mail:- kiran_bbhatt@yahoo.co.in

Magic Mix Illustration For Mrs. Rupali (age 39)

Ref. No. 0002-N

Proposed Insurance
Id

Com.Date Plan Name

1 14/03/2014 815-New Jeevan Anand

Term/
PPT

Basic Sum
Assured

Accident
Rider SA

Md.

21/21

10,00,000

10,00,000

10,00,000

10,00,000

^ Install.
Premium

Tax
Beneficiary

59616

59,616

Annual Premium:

'^' : - Premiums indicated are inclusive of service tax.

Modewise Summary of Installment Premiums


Id

Com. Date Plan/Tm/PPT

14/03/2014 815/21/21

PREMIUM

* Bonus
Rate

FAB

Yearly

48

100

59,616

30,123

15,218

59,616

30,123

15,218

Half Yearly

Quaterly

Monthly

Single

**Daily

5,072

163.33

5,072

163.33

1. '*' : - Assuming LIC will declare the above mentioned bonus rates for the year ended 31-Mar-2014
2. '**' : - Daily premium is for indicative purpose only. Formula used - (Yearly Premium/365).

Medical Requirement Details


Sum at Risk: 12,50,000

Medical by DMR: No

Lipidogram, FBS, RUA, Elisa for HIV, Hb%

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.

KIRAN BRAHMABHATT
DEVELOPMENT OFFICER (BR:- 86F/7 )
26, VISHAL ROW HOUSE, B/H GANGESHWAR TEMPLE,
C.S. ROAD, ADAJAN, SURAT.395009.
MOB:- 98795 16604.
E-mail:- kiran_bbhatt@yahoo.co.in

Magic Mix Illustration For Mrs. Rupali (age 39)

Ref. No. 0002-N

Forecast of Insurance Benefits


For the Year

Risk Cover
Age

Natural Death

Accident Death

Premium

Returns

Cash Flow

Cash
Value

Loan
Available

31/03/2014

39

12,98,000

22,98,000

59,616

-59,616

31/03/2015

40

13,46,000

23,46,000

58,722

-58,722

31/03/2016

41

13,94,000

23,94,000

58,722

-58,722

51,146

41,500

31/03/2017

42

14,42,000

24,42,000

58,722

-58,722

1,37,015

1,11,000

31/03/2018

43

14,90,000

24,90,000

58,722

-58,722

1,73,906

1,40,750

31/03/2019

44

15,38,000

25,38,000

58,722

-58,722

2,11,359

1,71,250

31/03/2020

45

15,86,000

25,86,000

58,722

-58,722

2,49,532

2,02,000

31/03/2021

46

16,34,000

26,34,000

58,722

-58,722

2,96,887

2,40,500

Fin. Year
Ending

31/03/2022

47

16,82,000

26,82,000

58,722

-58,722

3,47,174

2,81,250

31/03/2023

48

17,30,000

27,30,000

58,722

-58,722

4,00,583

3,24,500

31/03/2024

49

17,78,000

27,78,000

58,722

-58,722

4,57,426

3,70,500

31/03/2025

50

18,26,000

28,26,000

58,722

-58,722

5,17,879

4,19,500

31/03/2026

51

18,74,000

28,74,000

58,722

-58,722

5,82,186

4,71,500

31/03/2027

52

19,22,000

29,22,000

58,722

-58,722

6,50,656

5,27,000

31/03/2028

53

19,90,000

29,90,000

58,722

-58,722

7,23,689

5,86,250

31/03/2029

54

20,43,000

30,43,000

58,722

-58,722

8,01,814

6,49,500

31/03/2030

55

20,96,000

30,96,000

58,722

-58,722

8,85,579

7,17,250

31/03/2031

56

21,49,000

31,49,000

58,722

-58,722

9,75,487

7,90,250

31/03/2032

57

22,12,000

32,12,000

58,722

-58,722

10,72,657

8,68,750

31/03/2033

58

22,80,000

32,80,000

58,722

-58,722

11,82,864

9,58,000

31/03/2034

59

23,58,000

33,58,000

58,722

-58,722

19,47,876

10,45,500

31/03/2035

60

10,00,000

10,00,000

21,08,000

21,08,000

3,73,600

3,02,500

31/03/2036

61

10,00,000

10,00,000

3,88,800

3,15,000

31/03/2037

62

10,00,000

10,00,000

4,04,000

3,27,250

31/03/2038

63

10,00,000

10,00,000

4,19,400

3,39,750

31/03/2039

64

10,00,000

10,00,000

4,34,900

3,52,250

31/03/2040

65

10,00,000

10,00,000

4,50,500

3,65,000

31/03/2041

66

10,00,000

10,00,000

4,66,200

3,77,500

31/03/2042

67

10,00,000

10,00,000

4,81,800

3,90,250

31/03/2043

68

10,00,000

10,00,000

4,97,400

4,03,000

31/03/2044

69

10,00,000

10,00,000

5,13,000

4,15,500

31/03/2045

70

10,00,000

10,00,000

5,28,500

4,28,000

31/03/2046

71

10,00,000

10,00,000

5,43,900

4,40,500

31/03/2047

72

10,00,000

10,00,000

5,59,200

4,53,000

31/03/2048

73

10,00,000

10,00,000

5,74,300

4,65,250

31/03/2049

74

10,00,000

10,00,000

5,89,200

4,77,250

31/03/2050

75

10,00,000

10,00,000

6,03,800

4,89,000

31/03/2051

76

10,00,000

10,00,000

6,18,200

5,00,750

31/03/2052

77

10,00,000

10,00,000

6,32,400

5,12,250

31/03/2053

78

10,00,000

10,00,000

6,46,200

5,23,500

31/03/2054

79

10,00,000

10,00,000

6,59,800

5,34,500

31/03/2055

80

10,00,000

10,00,000

6,73,000

5,45,250

31/03/2056

81

10,00,000

10,00,000

6,85,800

5,55,500

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.

KIRAN BRAHMABHATT
DEVELOPMENT OFFICER (BR:- 86F/7 )
26, VISHAL ROW HOUSE, B/H GANGESHWAR TEMPLE,
C.S. ROAD, ADAJAN, SURAT.395009.
MOB:- 98795 16604.
E-mail:- kiran_bbhatt@yahoo.co.in

Magic Mix Illustration For Mrs. Rupali (age 39)


Fin. Year
Ending

Risk Cover

Ref. No. 0002-N

For the Year


Cash Flow

Cash
Value

Loan
Available

6,98,300

5,65,500

Age

Natural Death

Accident Death

Premium

Returns

82

10,00,000

10,00,000

31/03/2057
31/03/2058

83

10,00,000

10,00,000

7,10,400

5,75,500

31/03/2059

84

10,00,000

10,00,000

7,22,100

5,85,000

31/03/2060

85

10,00,000

10,00,000

7,33,500

5,94,250

31/03/2061

86

10,00,000

10,00,000

7,44,400

6,03,000

31/03/2062

87

10,00,000

10,00,000

7,55,000

6,11,500

31/03/2063

88

10,00,000

10,00,000

7,65,200

6,19,750

31/03/2064

89

10,00,000

10,00,000

7,75,400

6,28,000

31/03/2065

90

10,00,000

10,00,000

7,85,200

6,36,000

31/03/2066

91

10,00,000

10,00,000

7,95,200

6,44,000

31/03/2067

92

10,00,000

10,00,000

8,05,100

6,52,250

31/03/2068

93

10,00,000

10,00,000

8,15,300

6,60,500

31/03/2069

94

10,00,000

10,00,000

8,28,300

6,71,000

31/03/2070

95

10,00,000

10,00,000

8,39,700

6,80,250

31/03/2071

96

10,00,000

10,00,000

8,61,300

6,97,750

31/03/2072

97

10,00,000

10,00,000

8,82,400

7,14,750

31/03/2073

98

10,00,000

10,00,000

9,31,000

7,54,000

99

10,00,000

10,00,000

9,65,500

7,82,000

14/03/2075 100

10,00,000

10,00,000

10,00,000

10,00,000

12,34,056

31,08,000

18,73,944

31/03/2074

K e y

A s s u mp t i o n s

Personal Data: DOB: 14/03/1975


Income Tax:

Sec. 80CCE Limit Available: 100000 Sec. 80D Limit Available: 10000
Tax Savings on premiums will be @ 30.60 % u/s 80CCE and @ 30.60 % u/s 80D

Projections

Bonus: On applicable plans, last declared reversionary bonus of their respective matching discontinued plans has been considered
for the purpose of projected Riskcover and Returns.
Terminal Bonus: On applicable plans, last declared terminal bonus of their respective matching discontinued plans has also been
considered.

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.

KIRAN BRAHMABHATT
DEVELOPMENT OFFICER (BR:- 86F/7 )
26, VISHAL ROW HOUSE, B/H GANGESHWAR TEMPLE,
C.S. ROAD, ADAJAN, SURAT.395009.
MOB:- 98795 16604.
E-mail:- kiran_bbhatt@yahoo.co.in

Magic Mix Illustration For Mrs. Rupali (age 39)

Ref. No. 0002-N

Premium Breakup & Tax Implication (for the year)


Premium Breakup
Fin. Year
Ending

u/s 80 CCE

u/s 80 D

Basic

DAB

Total

Eligible
Amount

Tax Ben.
@30.6%

Eligible
Amount

Tax Ben.
@30.6%

Total
Benefit

31/03/2014

58,585

1,030

59,616

57,829

17,696

17,696

31/03/2015

57,707

1,015

58,722

57,829

17,696

17,696

31/03/2016

57,707

1,015

58,722

57,829

17,696

17,696

31/03/2017

57,707

1,015

58,722

57,829

17,696

17,696

31/03/2018

57,707

1,015

58,722

57,829

17,696

17,696

31/03/2019

57,707

1,015

58,722

57,829

17,696

17,696

31/03/2020

57,707

1,015

58,722

57,829

17,696

17,696

31/03/2021

57,707

1,015

58,722

57,829

17,696

17,696

31/03/2022

57,707

1,015

58,722

57,829

17,696

17,696

57,829

17,696

17,696

57,829

17,696

17,696

31/03/2023

57,707

1,015

58,722

31/03/2024

57,707

1,015

58,722

57,829

17,696

17,696

57,829

17,696

17,696

31/03/2025

57,707

1,015

58,722

31/03/2026

57,707

1,015

58,722

57,829

17,696

17,696

57,829

17,696

17,696

17,696

31/03/2027

57,707

1,015

58,722

31/03/2028

57,707

1,015

58,722

31/03/2029

57,707

1,015

58,722

57,829

17,696

31/03/2030

57,707

1,015

58,722

57,829

17,696

17,696

31/03/2031

57,707

1,015

58,722

57,829

17,696

17,696

31/03/2032

57,707

1,015

58,722

57,829

17,696

17,696

31/03/2033

57,707

1,015

58,722

57,829

17,696

17,696

31/03/2034

57,707

1,015

58,722

57,829

17,696

17,696

12,12,725

21,339

12,34,056

12,14,409

3,71,616

3,71,616

Premium Calendar
Id
1

Apr

May

Jun

Jul

Aug
-

Sep

Oct

Nov

Dec

Jan

Feb

Mar

59,616

59,616

Annual Premium :

59,616

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.

KIRAN BRAHMABHATT
DEVELOPMENT OFFICER (BR:- 86F/7 )
26, VISHAL ROW HOUSE, B/H GANGESHWAR TEMPLE,
C.S. ROAD, ADAJAN, SURAT.395009.
MOB:- 98795 16604.
E-mail:- kiran_bbhatt@yahoo.co.in

Magic Mix Illustration For Mrs. Rupali (age 39)

Ref. No. 0002-N

Innovative Forecast of Insurance Benefits


Fin. Year
Ending
31/03/2014

For the Year

For the Year

Age

Natural Death

Accident Death

Payment

Returns

Cash Flow

Cash
Value

Loan
Available

39

12,98,000

22,98,000

59,616

-59,616

31/03/2015

40

13,46,000

23,46,000

58,722

-58,722

31/03/2016

41

13,94,000

23,94,000

58,722

-58,722

51,146

41,500

31/03/2017

42

14,42,000

24,42,000

58,722

-58,722

1,37,015

1,11,000

31/03/2018

43

14,90,000

24,90,000

58,722

-58,722

1,73,906

1,40,750

31/03/2019

44

15,38,000

25,38,000

58,722

-58,722

2,11,359

1,71,250

31/03/2020

45

15,86,000

25,86,000

58,722

-58,722

2,49,532

2,02,000

31/03/2021

46

16,34,000

26,34,000

58,722

-58,722

2,96,887

2,40,500

31/03/2022

47

16,82,000

26,82,000

58,722

-58,722

3,47,174

2,81,250

31/03/2023

48

17,30,000

27,30,000

58,722

-58,722

4,00,583

3,24,500

31/03/2024

49

17,78,000

27,78,000

58,722

-58,722

4,57,426

3,70,500

31/03/2025

50

18,26,000

28,26,000

58,722

-58,722

5,17,879

4,19,500

31/03/2026

51

18,74,000

28,74,000

58,722

-58,722

5,82,186

4,71,500

31/03/2027

52

19,22,000

29,22,000

58,722

-58,722

6,50,656

5,27,000

31/03/2028

53

19,90,000

29,90,000

58,722

-58,722

7,23,689

5,86,250

31/03/2029

54

20,43,000

30,43,000

58,722

-58,722

8,01,814

6,49,500

31/03/2030

55

20,96,000

30,96,000

58,722

-58,722

8,85,579

7,17,250

31/03/2031

56

21,49,000

31,49,000

58,722

-58,722

9,75,487

7,90,250

31/03/2032

57

22,12,000

32,12,000

58,722

-58,722

10,72,657

8,68,750

31/03/2033

58

22,80,000

32,80,000

58,722

-58,722

11,82,864

9,58,000

31/03/2034

59

23,58,000

33,58,000

58,722

-58,722

19,47,876

10,45,500

31/03/2035

60

10,00,000

10,00,000

21,08,000

21,08,000

3,73,600

3,02,500

31/03/2036

61

10,00,000

10,00,000

3,88,800

3,15,000

31/03/2037

62

10,00,000

10,00,000

4,04,000

3,27,250

31/03/2038

63

10,00,000

10,00,000

4,19,400

3,39,750

31/03/2039

64

10,00,000

10,00,000

4,34,900

3,52,250

31/03/2040

65

10,00,000

10,00,000

4,50,500

3,65,000

31/03/2041

66

10,00,000

10,00,000

4,66,200

3,77,500

31/03/2042

67

10,00,000

10,00,000

4,81,800

3,90,250

31/03/2043

68

10,00,000

10,00,000

4,97,400

4,03,000

31/03/2044

69

10,00,000

10,00,000

5,13,000

4,15,500

31/03/2045

70

10,00,000

10,00,000

5,28,500

4,28,000

31/03/2046

71

10,00,000

10,00,000

5,43,900

4,40,500

31/03/2047

72

10,00,000

10,00,000

5,59,200

4,53,000

31/03/2048

73

10,00,000

10,00,000

5,74,300

4,65,250

31/03/2049

74

10,00,000

10,00,000

5,89,200

4,77,250

31/03/2050

75

10,00,000

10,00,000

6,03,800

4,89,000

31/03/2051

76

10,00,000

10,00,000

6,18,200

5,00,750

31/03/2052

77

10,00,000

10,00,000

6,32,400

5,12,250

31/03/2053

78

10,00,000

10,00,000

6,46,200

5,23,500

31/03/2054

79

10,00,000

10,00,000

6,59,800

5,34,500

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.

KIRAN BRAHMABHATT
DEVELOPMENT OFFICER (BR:- 86F/7 )
26, VISHAL ROW HOUSE, B/H GANGESHWAR TEMPLE,
C.S. ROAD, ADAJAN, SURAT.395009.
MOB:- 98795 16604.
E-mail:- kiran_bbhatt@yahoo.co.in

Magic Mix Illustration For Mrs. Rupali (age 39)


Fin. Year
Ending

For the Year

Ref. No. 0002-N

For the Year

Age

Natural Death

Accident Death

Payment

Returns

Cash Flow

Cash
Value

Loan
Available

31/03/2055

80

10,00,000

10,00,000

6,73,000

5,45,250

31/03/2056

81

10,00,000

10,00,000

6,85,800

5,55,500

31/03/2057

82

10,00,000

10,00,000

6,98,300

5,65,500

31/03/2058

83

10,00,000

10,00,000

7,10,400

5,75,500

31/03/2059

84

10,00,000

10,00,000

7,22,100

5,85,000

31/03/2060

85

10,00,000

10,00,000

7,33,500

5,94,250

31/03/2061

86

10,00,000

10,00,000

7,44,400

6,03,000

31/03/2062

87

10,00,000

10,00,000

7,55,000

6,11,500

31/03/2063

88

10,00,000

10,00,000

7,65,200

6,19,750

31/03/2064

89

10,00,000

10,00,000

7,75,400

6,28,000

31/03/2065

90

10,00,000

10,00,000

7,85,200

6,36,000

31/03/2066

91

10,00,000

10,00,000

7,95,200

6,44,000

31/03/2067

92

10,00,000

10,00,000

8,05,100

6,52,250

31/03/2068

93

10,00,000

10,00,000

8,15,300

6,60,500

31/03/2069

94

10,00,000

10,00,000

8,28,300

6,71,000

31/03/2070

95

10,00,000

10,00,000

8,39,700

6,80,250

31/03/2071

96

10,00,000

10,00,000

8,61,300

6,97,750

31/03/2072

97

10,00,000

10,00,000

8,82,400

7,14,750

31/03/2073

98

10,00,000

10,00,000

9,31,000

7,54,000

31/03/2074

99

10,00,000

10,00,000

9,65,500

7,82,000

14/03/2075 100

10,00,000

10,00,000

10,00,000

10,00,000

12,34,056

31,08,000

18,73,944

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).

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.