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Year Premium Allocation Charge Amount Invested Mortality rate Sum @ Risk

39 600000 24000 571680 0.0017 5382586


40 600000 24000 571680 0.0018 4745502
41 600000 24000 571680 0.0020 4067904
42 600000 24000 571680 0.0021 3346969
43 600000 24000 571680 0.0024 2579731
44 600000 18000 578760 0.0026 1598052
45 600000 18000 578760 0.0029 494212
46 0 0 0 0.0032 -82673
47 0 0 0 0.0036 -2611
48 0 0 0 0.0040 -635183
49 0 0 0 0.0045 -1408226
50 0 0 0 0.0050 -2190590
51 0 0 0 0.0055 -3056329
52 0 0 0 0.0061 -4014327
53 0 0 0 0.0067 -3966974
54 0 0 0 0.0073 -5131798
55 0 0 0 0.0079 -6420955
56 0 0 0 0.0085 -6474207
57 0 0 0 0.0093 -7919684
58 0 0 0 0.0100 -9533483
59
60
61
62
63

Total 4200000 156000


Premium 600000 perfect
Sum Assured 6000000
Age 39

100.00%

Mortality Admin Charge FV 1 FMC Service Tax 4 Service Tax


Charge
8989 6000 617414 8335 1500 8518
8589 6000 1254498 16936 3048 9995
7973 6000 1932096 26083 4695 11530
7163 6000 2653031 35816 6447 13136
6062 6000 3420269 46174 8311 14802
4155 6000 4401948 59426 10697 15765
1423 6000 5505788 74328 13379 17955
0 6000 6082673 82116 14781 15861
0 6000 6722924 90759 16337 17417
0 6000 7431405 100324 18058 19138
0 6000 8297213 112012 20162 21242
0 6000 9173461 123842 22292 23372
0 6000 10143088 136932 24648 25728
0 6000 11216046 151417 27255 28335
0 6000 11163011 150701 27126 28206
0 6000 12578931 169816 30567 31647
0 6000 14035679 189482 34107 35187
0 6000 14095854 190294 34253 35333
0 6000 15729243 212345 38222 39302
0 6000 17552836 236963 42653 43733
15126795 204212 0 36758
12861353 173628 31253
10251742 138399 24912
7263671 98060 17651
3859899 52109 9380

44355 120000 2880507 576155


choose ur expected returns
returns(1-5years) 8% 1
returns(5-10years) 12% 1
returns(10-15years) 12% 1
returns(15-20years) 13% 1
returns(@ settlement) 8% 1

FV before Loyalty Addition Loyalty Additions(LA) Wealth Booster(WB) Final Fund Value
589892 0 0 589892
1217298 0 0 1217298
1884830 0 0 1884830
2595236 0 0 2595236
3351551 0 0 3351551
4319842 17279 0 4337122
5409321 21637 0 5430958
5978696 23915 0 6002611
6608748 26435 0 6635183
7305943 29224 73059 7408226
8157959 32632 0 8190590
9020248 36081 0 9056329
9974429 39898 0 10014327
11030294 44121 0 11074416
10978104 43912 109781 11131798
12371469 49486 0 12420955
13805011 55220 0 13860231
13864228 55457 0 13919684
15471597 61886 0 15533483
17266139 69065 172661 17507865
14885825 14885825
12656472 12656472
10088432 10088432
7147961 7147961
3798411 3798411

606248 355502
choose ur life goals and enter the % u NEED to withdraw
% of FV for 1st kid grad 0%
% of FV for 1st kid higher ed 10%
% of FV for 1st child marriage 10%
% of FV for world tour 20%

Final Fund Value2 partial withdrawal FV after partial withdrawal average income 1ST KID AGE

-600000 8
-600000 9
-600000 10
-600000 11
-600000 12
-600000 13
-600000 14
0 6002611 15
0 6635183 16
0 7408226 17
0 8190590 0 18
0 9056329 19
0 10014327 20
0 1107442 9966974 1998346 21
0 11131798 22
0 12420955 23
0 1386023 12474207 24
0 13919684 25
0 15533483 26
0 3501573 14006292 27
0 2977165 11908660 3375297 28
0 3164118 9492354 29
0 3362811 6725621 30
0 3573980 3573980 31
0 3798411 0 32

22871522 5373643
2ND KID AGE Age
Mortality Rate
1 0 4.45
2 1 3.9
3 2 2.94
4 3 2.22
5 4 1.67
6 5 1.27
7 6 0.97
8 7 0.75
9 8 0.59
10 9 0.5
11 10 0.44
12 11 0.43
13 12 0.45
14 13 0.5
15 14 0.55
16 15 0.62
17 16 0.68
18 17 0.75
19 18 0.8
20 19 0.85
21 20 0.89
22 21 0.92
23 22 0.95
24 23 0.97
25 24 0.98
25 0.99
26 1
27 1.01
28 1.02
29 1.04
30 1.06
31 1.09
32 1.12
33 1.17
34 1.22
35 1.29
36 1.36
37 1.45
38 1.55
39 1.67
40 1.81
41 1.96
42 2.14
43 2.35
44 2.6
45 2.88
46 3.2
47 3.57
48 3.99
49 4.45
50 4.95
51 5.49
52 6.06
53 6.65
54 7.26
55 7.89
56 8.53
57 9.25
58 9.95
59 10.71
60 11.54
61 12.44
62 13.42
63 14.5
64 15.7
65 17.01
66 18.47
67 20.07
68 21.82
69 23.75
70 25.86
71 28.16
72 30.68
73 33.42
74 36.4
75 39.64
76 43.17
77 47
78 51.15
79 55.67
80 60.56
Values my life goal
0% 1st kid school ed
2% 1st kid grad
3% 2nd kid school ed
4% 2nd kid grad
5% 1st child marriage
6% 2nd child marriage
7% world tour
8% miscelleneous exp
9%
10%
11%
12%
13%
14%
15%
16%
17%
18%
19%
20%
this is the best TAX FREE life goal achiever plan available

Annual Premium: 600000


SA: 6000000

pay till the age of 45


Entry Age
39
use the partial withdrawal option

total paid 4200000 49 52


0 1107442
1st kid
1st kid grad higher ed

in case of death during the policy term,the nominee recieves higher of

total premiums paid: 4,200,000


sum of withdrawals made: 5,995,038
available amount@ maturity: 14,006,292 this is the amount available as pension in case "immediate annuity is opted"
Returns assumed @ 10.60% per month
pension rate 7% 81703 approx
n available in the market
W/D COMPLETELY

THIS AMOUNT CAN BE


EITHER BE W/D AS STRUCTURED PAYOUT

14,006,292 W/D AS ANNUITY

al option amount available at maturity

3375297

55 58
1386023 3501573
1st child world tour 63
marriage

life cover the avg amount/year that can


ceases at be received as a structured
the age of payout over a period of upto 5
years after maturity is

cieves higher of FV or SA
life goals withdrawals
1st kid grad -
1st kid higher ed 1,107,442
uity is opted" 1st child marriage 1,386,023
world tour 3,501,573
T

6%
6.50%
7%
7.50%
SUMMARY

TOTAL CASH INFLOW 4200000.0

COMPUTATION OF CHARGES
TOTAL ALLOCATION CHARGES 156000.0
TOTAL MORTALITY CHARGES 44354.5
TOATL FMC 2880506.8
TOATL ADMIN CHARGE 120000.0
TOTAL SERVICE TAX 576155.0
GRAND TOTAL 3777016.3

HAD I INVESTED THE SAME 7 YEARS PREMIUM IN MF AND WITHDRAWN AFTER 20 YEARS,,T
GROSS GAIN
LTCG
NET GAIN
GAIN DUE TO ELITE IS

HAD I OPTED FOR ANY ANNUITY PLANS,THEN 30% TAX WUD BE

SUM OF TAX ON ANNUITY

COST OF 75 LAKHS COVER


COST OF 75LAKHS +15 LAKHS OF CI
SUMMARY
IF STRUCTURED PA
TOTAL CASH OUTFLOW OPTED
SUM OF WITHDRAWALS MADE 5995038
AMOUNT AVAILABLE AT MATURITY 14006292 16876485
TOTAL 20001329.6 22871522

COMPUTATION OF LOYALTY ADDITIONS AND WEALTH BOOSTERS


LOYALTY ADDITIONS 606248
WEALTH BOOSTERS 355502
IF I SURRENDER IN 6T
8TH YEAR,I WOULD M
APPROXIMATELY this
LOYALTY AND WEALTH
TOTAL EARNED IN THE FORM OF LOYALTY ADD AND WEALTH BOOSTERS 961750 ,,,U CAN SAY THIS AS
SURRENDER ,FOR NO
MATURITY

UM IN MF AND WITHDRAWN AFTER 20 YEARS,,THEN THE PROBABLE AMOUNT BEING PAID AS LTCG WOULD BE
18671522
1867152
16804370
6067152

ED FOR ANY ANNUITY PLANS,THEN 30% TAX WUD BE LEVIED, AS PENSION IS TAXABLE
I WOULD HA
6861457 WEALTH BO
DEDUCTED,

18K
31K
----LAKHS CUMMULATIVELY WOU
,DURING THE PERIOD B/W 8TH T
APPROXIMATE AMOUNT AND TH
THAN THIS AS THE TAX WOULD B
FROM THE YEAR OF WITHDRAWA
IF STRUCTURED PAYOUT IS
OPTED

IF I SURRENDER IN 6TH YEAR OR IN


8TH YEAR,I WOULD MISS
APPROXIMATELY this amount ON
LOYALTY AND WEALTH BOOSTERS
,,,U CAN SAY THIS AS COST OF
SURRENDER ,FOR NOT HOLDING TILL
MATURITY

I WOULD HAVE MISSED LOYALTY AND


WEALTH BOOSTERS,,so I HAVE
DEDUCTED,,

----LAKHS CUMMULATIVELY WOULD BE PAID JUST AS TAX


,DURING THE PERIOD B/W 8TH TO 25THYEAR,THIS IS THE
APPROXIMATE AMOUNT AND THE ACTUALS WOULD BE LESSER
THAN THIS AS THE TAX WOULD BE DEDUCTED ON YEARLY BASIS
FROM THE YEAR OF WITHDRAWALS