Jeevan Umang (Plan No.

- 945)

Illustration specially prepared for

Shri PAWAR SAHEB

(age 30 years)

Benefits Illustration Summary

Sum Assured Rs. 25,00,000

Term/PPT 70/25 years

Premium Basic GST Installment

First Year 96,490 4,342 1,00,832
ü Exclusive Plan for Saving and Retirement Planning. Subsequent Year 96,490 2,171 98,661
ü Guaranteed Lifetime Income at 8.00%
Cash Flow Benefits
ü Whole Life Risk Cover with Limited Premium Payment Option.
ü Discount in Premium for Sum Assured of Rs.5 Lacs and Liquidity You have an option to surrender
above. the policy & receive the cash
value after payment of premiums
ü Lifetime Cover to the extent Basic Sum Assured + Bonus for 2 years. Alternately, you can
+ Final Bonus (if any) even avail of loan on this policy
once the policy has acquired
ü Loan Available after 2 full years of premium payment.
cash value. The current
ü On Maturity, Sum Assured + Bonus + Final Bonus (if prevailing rate of loan is 10.34 %
any) will be paid. p.a.
ü Policy Back dating available within the same financial year. Life Cover In this policy your Life Risk Cover
ü LIC’s Accidental Death and Disability Benefit Rider OR will start at Rs. 26,17,500. By
virtue of bonus getting added
Accidental Death Benefit rider, Term Assurance Rider and
every year, your risk cover will
Critical Illness rider is available as an optional rider by grow to Rs. 1,69,56,250 in the
payment of nominal additional premium. year 2090 when your age will be
100. An additional accidental
ü Free lookup period for 15 Days. death cover of Rs.25,00,000 is
ü Premium Paid are eligible for tax savings u/s 80 C, also included.
Maturity Amount is Tax Free u/s 10 (10) (D). Tax Saving For each year of premium
ü Option to take Death Benefit in installments. payment you will save Rs.
29,815 under Sec.80(C).

Plan Parameters
Parameter Min Max
Age 0 55
Term 45 100
Sum Assured 200000 No Limit
Modes Qly, Mly, Hly, Yly, SSS

Presented by
YASHAWANT SHANKARRAO SHINDE This illustration contains guaranteed and non-guaranteed benefits.The
Sample Report For Demonstration Purpose Only purpose of this illustration is solely to help you understand the projected
benefits that may be possible in future. The presenter in no manner is
promising or giving a guarantee about such projected benefits.The actual
benefits will depend upon the future performance of L.I.C. Of India with
respect to this product.
 YASHAWANT SHANKARRAO SHINDE
Sample Report For Demonstration Purpose Only

Jeevan Umang Plan Presentation for Shri PAWAR SAHEB (age 30 years) Ref. No. 000000000123

Forecast of Insurance Benefits

Mode of Premium Yearly Rider

Installment Premium 1,00,832(98,661 from 2nd yr onwards) Accident Cover : 25,00,000
Date of Report 13/02/2021 Term Rider : Not Opted

Term 70 Years Critical Illness Rider : Not Opted

Policy Risk Cover Tax Net Returns From Cash Loan

Year Age (Natural Death) Premium Saved Premium LIC Net Cash Flow Value Available
1 31 26,17,500 1,00,832
- 29,815 71,017 0 -1,00,832 0 0
2 32 27,35,000 98,662
- 29,815 68,847 0 -98,662 80,258 72,232
3 33 28,52,500 98,662
- 29,815 68,847 0 -98,662 1,44,354 1,29,919
4 34 29,70,000 98,662
- 29,815 68,847 0 -98,662 2,51,965 2,26,768
5 35 30,87,500 98,662
- 29,815 68,847 0 -98,662 3,16,954 2,85,259
6 36 32,05,000 98,662
- 29,815 68,847 0 -98,662 3,82,742 3,44,468
7 37 33,22,500 98,662
- 29,815 68,847 0 -98,662 4,49,328 4,04,395
8 38 34,40,000 98,662
- 29,815 68,847 0 -98,662 5,21,731 4,69,558
9 39 35,57,500 98,662
- 29,815 68,847 0 -98,662 5,99,191 5,39,272
10 40 36,75,000 98,662
- 29,815 68,847 0 -98,662 7,16,010 6,44,409
11 41 37,92,500 98,662
- 29,815 68,847 0 -98,662 8,47,423 7,62,681
12 42 39,10,000 98,662
- 29,815 68,847 0 -98,662 9,94,410 8,94,969
13 43 40,27,500 98,662
- 29,815 68,847 0 -98,662 11,58,709 10,42,838
14 44 41,45,000 98,662
- 29,815 68,847 0 -98,662 13,42,541 12,08,287
15 45 43,12,500 98,662
- 29,815 68,847 0 -98,662 15,97,404 14,37,664
16 46 44,42,500 98,662
- 29,815 68,847 0 -98,662 18,11,200 16,30,080
17 47 45,72,500 98,662
- 29,815 68,847 0 -98,662 20,49,465 18,44,518
18 48 47,02,500 98,662
- 29,815 68,847 0 -98,662 23,17,093 20,85,384
19 49 48,57,500 98,662
- 29,815 68,847 0 -98,662 26,43,759 23,79,383
20 50 50,25,000 -
98,662 29,815 68,847 0 -98,662 30,23,815 27,21,434
21 51 52,17,500 98,662
- 29,815 68,847 0 -98,662 34,90,641 31,41,577
22 52 54,60,000 98,662
- 29,815 68,847 0 -98,662 38,82,405 34,94,164
23 53 58,27,500 98,662
- 29,815 68,847 0 -98,662 44,17,395 39,75,656
24 54 61,95,000 98,662
- 29,815 68,847 0 -98,662 51,85,154 46,66,638
25 55 65,62,500 98,662
- 29,815 68,847 2,00,000 1,01,338 60,18,750 54,16,875
26 56 68,71,250 0 0 0 2,00,000 2,00,000 63,21,625 10,00,000
27 57 72,30,000 0 0 0 2,00,000 2,00,000 66,74,500 10,00,000
28 58 75,88,750 0 0 0 2,00,000 2,00,000 70,27,375 10,00,000
29 59 79,47,500 0 0 0 2,00,000 2,00,000 73,80,250 10,00,000
30 60 84,81,250 0 0 0 2,00,000 2,00,000 79,08,125 10,00,000
31 61 90,40,000 0 0 0 2,00,000 2,00,000 84,61,000 10,00,000
32 62 97,23,750 0 0 0 2,00,000 2,00,000 91,38,875 10,00,000
33 63 1,04,07,500 0 0 0 2,00,000 2,00,000 98,16,750 10,00,000
34 64 1,10,91,250 0 0 0 2,00,000 2,00,000 1,04,94,625 10,00,000
35 65 1,17,75,000 0 0 0 2,00,000 2,00,000 1,11,72,500 10,00,000
36 66 1,24,58,750 0 0 0 2,00,000 2,00,000 1,18,50,375 10,00,000
 YASHAWANT SHANKARRAO SHINDE
Sample Report For Demonstration Purpose Only

Jeevan Umang Plan Presentation for Shri PAWAR SAHEB (age 30 years) Ref. No. 000000000123

Policy Risk Cover Tax Net Returns From Cash Loan

Year Age (Natural Death) Premium Saved Premium LIC Net Cash Flow Value Available
37 67 1,31,42,500 0 0 0 2,00,000 2,00,000 1,25,28,250 10,00,000
38 68 1,38,26,250 0 0 0 2,00,000 2,00,000 1,32,06,125 10,00,000
39 69 1,45,10,000 0 0 0 2,00,000 2,00,000 1,38,84,000 10,00,000
40 70 1,51,93,750 0 0 0 2,00,000 2,00,000 1,45,61,875 10,00,000
41 71 1,52,52,500 0 0 0 2,00,000 2,00,000 1,46,14,750 10,00,000
42 72 1,53,11,250 0 0 0 2,00,000 2,00,000 1,46,67,625 10,00,000
43 73 1,53,70,000 0 0 0 2,00,000 2,00,000 1,47,20,500 10,00,000
44 74 1,54,28,750 0 0 0 2,00,000 2,00,000 1,47,73,375 10,00,000
45 75 1,54,87,500 0 0 0 2,00,000 2,00,000 1,48,26,250 10,00,000
46 76 1,55,46,250 0 0 0 2,00,000 2,00,000 1,48,79,125 10,00,000
47 77 1,56,05,000 0 0 0 2,00,000 2,00,000 1,49,32,000 10,00,000
48 78 1,56,63,750 0 0 0 2,00,000 2,00,000 1,49,84,875 10,00,000
49 79 1,57,22,500 0 0 0 2,00,000 2,00,000 1,50,37,750 10,00,000
50 80 1,57,81,250 0 0 0 2,00,000 2,00,000 1,50,90,625 10,00,000
51 81 1,58,40,000 0 0 0 2,00,000 2,00,000 1,51,43,500 10,00,000
52 82 1,58,98,750 0 0 0 2,00,000 2,00,000 1,51,96,375 10,00,000
53 83 1,59,57,500 0 0 0 2,00,000 2,00,000 1,52,49,250 10,00,000
54 84 1,60,16,250 0 0 0 2,00,000 2,00,000 1,53,02,125 10,00,000
55 85 1,60,75,000 0 0 0 2,00,000 2,00,000 1,53,55,000 10,00,000
56 86 1,61,33,750 0 0 0 2,00,000 2,00,000 1,54,07,875 10,00,000
57 87 1,61,92,500 0 0 0 2,00,000 2,00,000 1,54,60,750 10,00,000
58 88 1,62,51,250 0 0 0 2,00,000 2,00,000 1,55,13,625 10,00,000
59 89 1,63,10,000 0 0 0 2,00,000 2,00,000 1,55,66,500 10,00,000
60 90 1,63,68,750 0 0 0 2,00,000 2,00,000 1,56,19,375 10,00,000
61 91 1,64,27,500 0 0 0 2,00,000 2,00,000 1,56,72,250 10,00,000
62 92 1,64,86,250 0 0 0 2,00,000 2,00,000 1,57,25,125 10,00,000
63 93 1,65,45,000 0 0 0 2,00,000 2,00,000 1,57,78,000 10,00,000
64 94 1,66,03,750 0 0 0 2,00,000 2,00,000 1,58,30,875 10,00,000
65 95 1,66,62,500 0 0 0 2,00,000 2,00,000 1,58,83,750 10,00,000
66 96 1,67,21,250 0 0 0 2,00,000 2,00,000 1,59,36,625 10,00,000
67 97 1,67,80,000 0 0 0 2,00,000 2,00,000 1,59,89,500 10,00,000
68 98 1,68,38,750 0 0 0 2,00,000 2,00,000 1,60,42,375 10,00,000
69 99 1,68,97,500 0 0 0 2,00,000 2,00,000 1,60,95,250 10,00,000
70 100 1,69,56,250 0 0 0 1,69,56,250 1,69,56,250 1,61,48,125 0

24,68,720 7,45,375 17,23,345 2,59,56,250 2,34,87,530

K e y A s s u mp t i o n s

Personal Data: DOB: 13/02/1991

Income Tax: Sec. 80C Limit Available: 1,50,000 Sec. 80D Limit Available: 15,000
Tax Savings on premiums will be @ 30.90 % u/s 80C and @ 30.90 % u/s 80D
Projections: Bonus: Last declared reversionary bonus has been considered for the purpose of projected Riskcover and Returns.
Terminal Bonus: Last declared terminal bonus of their respective matching discontinued plans has also been considered.
Age and Returns shown are at the end of the specific year.