PremCal - 18-06-2020 184836 PM

Shubhangi
pune
9326988376 kottawarbalaji99@gmail.com
These calculations are presently based on specific data feeding & are liable to revision / alterations according to Govt.policies. Page 1 of 7
* THERE IS NO SUBSTITUTE FOR LIFE INSURANCE INSURANCE TODAY FOR BETTER TOMORROW
Quot Date :18-06-2020, ClientID: 1338519, Ver. 1.3.0
Shubhangi
pune
Plan Information
JEEVAN UMANG (845)
UIN : 512N312V01
LIC's Jeevan Umang Plan (845) is a non-linked, with-profits whole life assurance plan.This plan
provides for annual survival benefits from the end of the premium paying term till Mat. and lump
sumpayment at the time of Mat. or on death of the policyholder during the policy term.
For Base Plan

* Mode : Yly, Hly, Qly, Mly(ECS/SSS)
For Accident Benefit Rider:
A.)LICs Accidental Death and Disability Benefit Rider UIN (512B209V01): Upto 70 yrs
* Min./Max.Entry Age : 18 Yrs. (Completed)/70 Yrs. (NBD)
* Min./Max. SA : Rs.10,000 to Equal to Basic SA, Rs.100 Lakh WITH 10,000 Multiple
B.)LICs Accident Benefit Rider UIN (512B203V02): Within Prem.Paying term
* Min.Entry Age : 18 Yrs. (Completed)
* Max.cover ceasing Age : At Prem.Paying Term
* Min./Max. SA : Rs.20,000 to Equal to Basic SA, Rs.100 Lakh WITH 5,000 Multiple
For LICs New Term Assurance Rider:
* Min.Entry Age : 18 Yrs.(Completed)
* Max.Entry Age : 55 Yrs.(PPT=15), 50 Yrs.(PPT=20), 45 Yrs.(PPT=25), 40 Yrs.(PPT=30)
* Premium paying term : same as Base plan
* Max.Term : 35 Yrs
* Max.cover ceasing Age : 75 Yrs. (nbd)
* Min./Max.SA : Rs.1,00,000 to Equal to Basic SA, Rs.25 Lakh WITH 5,000 Multiple
For LICs New Critical Illness Benefit Rider:
* Min.Entry Age : 18 Yrs.(Completed)
* Max.Entry Age : 55 Yrs.(PPT=15),50 Yrs.(PPT=20), 45 Yrs.(PPT=25), 40 Yrs.(PPT=30)
* Premium paying term : same as Base plan
* Max.Term : 35 Yrs
* Max.cover ceasing Age : 75 Yrs. (nbd)
* Min./Max.SA : Rs.1,00,000 to Equal to Basic SA, Rs.25 Lakh WITH 25,000 Multiple
* On Death : On death before the commencement of Risk:
* Surrendered Value : The Policy can be surrendered at any time during the policy term provided
atleast three full years premiums have been paid.
* Loan: After 3 full yrs.prem.paid
* Back Date : Withing same financial yrs.
Shubhangi
pune
Basic Info
Name bhargavi
Age / DOB 25 /
PlanNo/Term/PPT 845 /75 /15
PlanName JEEVAN UMANG (845)
SA 15,00,000
DAB 15,00,000
Bonus 67
FAB 1,40,38,500
Premium - First Yr (GST 4.5%)

Mode Premium Tax Total
YLY 1,17,891 5,305 1,23,196
HLY 59,549 2,679 62,228
QLY 30,075 1,353 31,428
MLY 10,025 451 10,476
Premium - SubSeq Yr (GST 2.25%)

Mode Premium Tax Total TotPrem
During PPT
YLY 1,17,892 2,652 1,20,544 18,10,810
HLY 59,549 1,339 60,888 18,29,320
QLY 30,076 676 30,752 18,47,820
MLY 10,026 225 10,251 18,47,880
Shubhangi
pune
Money Back
From Age 40(2035) to Age 99(2094) 1,20,000 as Money Back Installment will be
received Every Year.
Total Amount for Money Back is : 72,00,000
Maturity Result
Normal Risk Cover(Max) 2,00,61,000
Acc.Risk Cover(Max) 2,00,61,000
S.A. on Maturity 15,00,000
Bonus 45,22,500
Final Additional Bonus 1,40,38,500
Money Back 72,00,000
Maturity Return 2,72,61,000
Tax Saved 5,46,420
Gain 2,78,07,420
Less:Total Prem Paid 18,10,812
Nett In Hand 2,59,96,608
Shubhangi
pune
Risk Cover, Tax Benefit & LIC Return

Name :bhargavi Age: 25
Year Ag Risk Acc.Risk Prem. Tax Nett LIC Cash Cummu. Nett.
e Cover Cover Prem. Return Value Loan Return
2020 25 15,00,000 30,00,000 1,23,196 36,428 86,768 0 0 0 -86,768
2021 26 16,00,500 31,00,500 1,20,544 36,428 84,116 0 0 0 -84,116
2022 27 17,01,000 32,01,000 1,20,544 36,428 84,116 0 0 0 -84,116
2023 28 18,01,500 33,01,500 1,20,544 36,428 84,116 0 1,35,562 1,22,000 -84,116
2024 29 19,02,000 34,02,000 1,20,544 36,428 84,116 0 2,74,449 2,47,000 -84,116
2025 30 20,02,500 35,02,500 1,20,544 36,428 84,116 0 3,44,769 3,10,250 -84,116
2026 31 21,03,000 36,03,000 1,20,544 36,428 84,116 0 4,15,773 3,74,250 -84,116
2027 32 22,03,500 37,03,500 1,20,544 36,428 84,116 0 4,87,461 4,38,750 -84,116
2028 33 23,04,000 38,04,000 1,20,544 36,428 84,116 0 5,65,372 5,08,750 -84,116
2029 34 24,04,500 39,04,500 1,20,544 36,428 84,116 0 6,45,247 5,80,750 -84,116
2030 35 25,05,000 40,05,000 1,20,544 36,428 84,116 0 7,27,283 6,54,500 -84,116
2031 36 26,05,500 41,05,500 1,20,544 36,428 84,116 0 8,11,388 7,30,250 -84,116
2032 37 27,06,000 42,06,000 1,20,544 36,428 84,116 0 8,97,561 8,07,750 -84,116
2033 38 28,06,500 43,06,500 1,20,544 36,428 84,116 0 9,85,652 8,87,000 -84,116
2034 39 29,07,000 44,07,000 1,20,544 36,428 84,116 0 10,75,950 9,68,250 -84,116
2035 40 30,22,500 45,22,500 0 0 0 1,20,000 27,20,250 10,51,500 1,20,000
2036 41 30,77,250 30,77,250 0 0 0 1,20,000 27,69,525 10,72,000 1,20,000
2037 42 31,30,500 31,30,500 0 0 0 1,20,000 28,17,450 10,93,000 1,20,000
2038 43 31,85,250 31,85,250 0 0 0 1,20,000 28,66,725 11,14,500 1,20,000
2039 44 32,46,000 32,46,000 0 0 0 1,20,000 29,21,400 11,35,750 1,20,000
2040 45 33,11,250 33,11,250 0 0 0 1,20,000 29,80,125 11,57,750 1,20,000
2041 46 33,84,000 33,84,000 0 0 0 1,20,000 30,45,600 11,80,000 1,20,000
2042 47 34,71,750 34,71,750 0 0 0 1,20,000 31,24,575 12,02,750 1,20,000
2043 48 35,97,000 35,97,000 0 0 0 1,20,000 32,37,300 12,25,250 1,20,000
2044 49 37,22,250 37,22,250 0 0 0 1,20,000 33,50,025 12,48,500 1,20,000
2045 50 38,47,500 38,47,500 0 0 0 1,20,000 34,62,750 12,72,000 1,20,000
2046 51 39,72,750 39,72,750 0 0 0 1,20,000 35,75,475 12,95,750 1,20,000
2047 52 41,13,000 41,13,000 0 0 0 1,20,000 37,01,700 13,19,750 1,20,000
2048 53 42,53,250 42,53,250 0 0 0 1,20,000 38,27,925 13,44,250 1,20,000
2049 54 43,93,500 43,93,500 0 0 0 1,20,000 39,54,150 13,68,750 1,20,000
2050 55 45,86,250 45,86,250 0 0 0 1,20,000 41,27,625 13,93,750 1,20,000
2051 56 47,86,500 47,86,500 0 0 0 1,20,000 43,07,850 14,19,000 1,20,000
2052 57 50,24,250 50,24,250 0 0 0 1,20,000 45,21,825 14,44,750 1,20,000
2053 58 52,62,000 52,62,000 0 0 0 1,20,000 47,35,800 14,70,500 1,20,000
2054 59 54,99,750 54,99,750 0 0 0 1,20,000 49,49,775 14,96,750 1,20,000
Shubhangi
pune
2055 60 57,37,500 57,37,500 0 0 0 1,20,000 51,63,750 15,23,250 1,20,000
2056 61 59,75,250 59,75,250 0 0 0 1,20,000 53,77,725 15,50,000 1,20,000
2057 62 62,13,000 62,13,000 0 0 0 1,20,000 55,91,700 15,77,250 1,20,000
2058 63 64,50,750 64,50,750 0 0 0 1,20,000 58,05,675 16,04,500 1,20,000
2059 64 66,88,500 66,88,500 0 0 0 1,20,000 60,19,650 16,32,250 1,20,000
2060 65 69,26,250 69,26,250 0 0 0 1,20,000 62,33,625 16,60,250 1,20,000
2061 66 71,74,500 71,74,500 0 0 0 1,20,000 64,57,050 16,88,750 1,20,000
2062 67 74,33,250 74,33,250 0 0 0 1,20,000 66,89,925 17,17,500 1,20,000
2063 68 77,01,000 77,01,000 0 0 0 1,20,000 69,30,900 17,46,250 1,20,000
2064 69 79,80,750 79,80,750 0 0 0 1,20,000 71,82,675 17,75,750 1,20,000
2065 70 82,71,000 82,71,000 0 0 0 1,20,000 74,43,900 18,05,250 1,20,000
2066 71 85,71,750 85,71,750 0 0 0 1,20,000 77,14,575 18,35,000 1,20,000
2067 72 88,84,500 88,84,500 0 0 0 1,20,000 79,96,050 18,65,250 1,20,000
2068 73 92,06,250 92,06,250 0 0 0 1,20,000 82,85,625 18,95,750 1,20,000
2069 74 95,40,000 95,40,000 0 0 0 1,20,000 85,86,000 19,26,500 1,20,000
2070 75 98,82,750 98,82,750 0 0 0 1,20,000 88,94,475 19,57,750 1,20,000
2071 76 1,02,36,0 1,02,36,0 0 0 0 1,20,000 92,12,400 19,89,500 1,20,000
00 00
2072 77 1,05,99,7 1,05,99,7 0 0 0 1,20,000 95,39,775 20,21,250 1,20,000
50 50
2073 78 1,09,72,5 1,09,72,5 0 0 0 1,20,000 98,75,250 20,53,250 1,20,000
00 00
2074 79 1,13,54,2 1,13,54,2 0 0 0 1,20,000 1,02,18,8 20,85,750 1,20,000
50 50 25
2075 80 1,17,45,0 1,17,45,0 0 0 0 1,20,000 1,05,70,5 21,18,250 1,20,000
00 00 00
2076 81 1,21,43,2 1,21,43,2 0 0 0 1,20,000 1,09,28,9 21,51,250 1,20,000
50 50 25
2077 82 1,25,49,0 1,25,49,0 0 0 0 1,20,000 1,12,94,1 21,84,500 1,20,000
00 00 00
2078 83 1,29,60,7 1,29,60,7 0 0 0 1,20,000 1,16,64,6 22,18,250 1,20,000
50 50 75
2079 84 1,33,80,0 1,33,80,0 0 0 0 1,20,000 1,20,42,0 22,52,000 1,20,000
00 00 00
2080 85 1,38,03,7 1,38,03,7 0 0 0 1,20,000 1,24,23,3 22,86,250 1,20,000
50 50 75
2081 86 1,42,32,0 1,42,32,0 0 0 0 1,20,000 1,28,08,8 23,20,750 1,20,000
00 00 00
2082 87 1,46,63,2 1,46,63,2 0 0 0 1,20,000 1,31,96,9 23,55,750 1,20,000
50 50 25
2083 88 1,50,96,0 1,50,96,0 0 0 0 1,20,000 1,35,86,4 23,90,750 1,20,000
00 00 00
2084 89 1,55,31,7 1,55,31,7 0 0 0 1,20,000 1,39,78,5 24,26,250 1,20,000
50 50 75
Shubhangi
pune
2085 90 1,59,66,0 1,59,66,0 0 0 0 1,20,000 1,43,69,4 24,62,000 1,20,000
00 00 00
2086 91 1,64,00,2 1,64,00,2 0 0 0 1,20,000 1,47,60,2 24,97,750 1,20,000
50 50 25
2087 92 1,68,33,0 1,68,33,0 0 0 0 1,20,000 1,51,49,7 25,34,250 1,20,000
00 00 00
2088 93 1,72,61,2 1,72,61,2 0 0 0 1,20,000 1,55,35,1 25,71,000 1,20,000
50 50 25
2089 94 1,76,85,0 1,76,85,0 0 0 0 1,20,000 1,59,16,5 26,07,750 1,20,000
00 00 00
2090 95 1,81,04,2 1,81,04,2 0 0 0 1,20,000 1,62,93,8 26,45,250 1,20,000
50 50 25
2091 96 1,85,14,5 1,85,14,5 0 0 0 1,20,000 1,66,63,0 26,82,750 1,20,000
00 00 50
2092 97 1,89,17,2 1,89,17,2 0 0 0 1,20,000 1,70,25,5 27,20,750 1,20,000
50 50 25
2093 98 1,93,11,0 1,93,11,0 0 0 0 1,20,000 1,73,79,9 27,58,750 1,20,000
00 00 00
2094 99 1,96,92,7 1,96,92,7 0 0 0 1,20,000 1,77,23,4 27,97,500 1,20,000
50 50 75
2095 10 2,00,61,0 2,00,61,0 0 0 0 2,00,61,0 0 0 2,00,61,0
0 00 00 00 00
Total 18,10,81 5,46,420 12,64,39 2,72,61,0
2 2 00

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Shubhangi

For Base Plan

* On Death : On death before the commencement of Risk:

Premium - First Yr (GST 4.5%)

Premium - SubSeq Yr (GST 2.25%)

Total Amount for Money Back is : 72,00,000

Risk Cover, Tax Benefit & LIC Return

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