Recommendatio Insurer

Sr n / Final Status Co. Product Name Policy No. Policy Holder

1 To be continued Birla SLI BSLI Protector Plan 006235533 Mr. Pramod P. Dere
BSLI Protector Plus Plan (Traditional Term
2 To be continued Birla SLI Insurance) 006643471 Mr. Pramod P. Dere
Surrender / BSLI Vision Endowment + ADB + PAR
3 Paid-up Birla SLI WAIVER 006643472 Mr. Pramod P. Dere

Surrender /
4 Paid-up Birla SLI BSLI Vision Plan 006235511 Mr. Pramod P. Dere

Surrender /
5 Paid-up Birla SLI BSLI Vision Regular Returns 006640149 Mrs. Vaishali .P.Dere

6 To be continued Ipru Hospital Care- Plan A 08463561 Mrs. Vaishali .P.Dere

7 To be continued IPRU Hospital Care 05825269 Mr. Pramod P. Dere

need to check
Latest Policy
Fund Value
8 Statement Ipru LifeStage Pension (Rich Fund 100%) 08501648 Mrs. Vaishali .P.Dere

need to check
Latest Policy
Fund Value
9 Statement Ipru LifeTime (Balancer 85% & Maximiser 15%) 00924938 Mrs. Vaishali .P.Dere
Surrender /
10 Paid-up IPRU SAVE'n'Protect 00552641 Mr. Pramod P. Dere

(PAY only FOR 5

policy YEARS &
also need to
check Latest
Policy Fund
11 Value Statement HDFC SL HDFC SL Youngstar Super - ULIP 15952153 Mr. Pramod P. Dere

(PAY only FOR 5

policy YEARS &
also need to
check Latest
Policy Fund
12 Value Statement HDFC SL HDFC SL Progrowth Super II - ULIP 14906721 Mr. Pramod P. Dere

need to check
Latest Policy
Fund Value
13 Statement Tata Aig Tata Aig Life InvestAssure Flexi - ULIP U151982983 Mr. Pramod P. Dere

Term Plan Check

14 which is live? Max Li Max Life Online Term Plan 889667846 Mr. Pramod P. Dere

Term Plan Check

15 which is live? Max Li Max Life Online Term Plan 889667846 Mr. Pramod P. Dere
 Surrender / New Money Back Plan With Profits (with
16 Paid-up LIC Accident Benefits) 951275469 Pramod Prakash Dare
New Money Back Plan With Profits (with
17 To be continued LIC Accident Benefits) 950732954 Pramod P Dere

Money Back Childern's assurance w/o

18 0 LIC Profits 982513464 Chaitali Pramod Dere
20 year Money back Policy (w Profits) (w
19 To be continued LIC Accident benefits) 952306987 Mrs. Vaishali .P.Dere

Jeevan Shree w/o Profit w/o Accident

20 To be continued LIC Benefits 952368315 Mr. Pramod P. Dere

Jeevan Shree w/o Profit w/o Accident

21 To be continued LIC Benefits 952367749 Mr. Pramod P. Dere

Check fund
value if above
10% CAGR then
22 Continue LIC LIC's MARKET PLUS - GROWTH 985129551 Mrs. Vaishali .P.Dere
Surrender / 25 Year New Money Back policy (with
23 Paid-up LIC Profits) (with Accident benefits) 982265674 Mrs. Vaishali .P.Dere

Surrender /
24 Paid-up LIC BIMA KIRAN POLIICY W/O PROFITS 952304245 Mr. Pramod P. Dere
Surrender / Jeevan Ananad (with Profits) (with
25 Paid-up LIC Accident benefits) 984066615 Mrs. Vaishali .P.Dere
Surrender /
26 Paid-up LIC Jeevan Kishor with Profits 984066617 Ms. Sejal Pramod Dere

Surrender / JEEVAN CHAYA POLICY w Profit w Accident

27 Paid-up LIC Benefits 984066547 Mr. Pramod P. Dere
 Total
Plan No. Of Premium Policy Basic Sum Policy Period
No. D.O.C. Years Premium Rs. Mode Paid PPT Term Assured (Rs.) Total Premium

7-Oct-13 10 ₹ 3,440.00 Hly 10 10 ₹ 1,000,000 ₹ 34,400

22-Jan-15 7 ₹ 5,977.27 Hly ₹ 17,932 7 7 ₹ 5,000,000 ₹ 83,682

13-Dec-14 20 ₹ 18,371.11 Hly 7 20 ₹ 440,000 ₹ 257,196

7-Oct-13 10 ₹ 47,992.00 Hly ₹ 97,445 10 10 ₹ 720,900 ₹ 959,840

6-Dec-14 20 ₹ 43,469.00 Yearly 20 20 ₹ 665,600 ₹ 869,380

28-Mar-08 20 ₹ 4,764.00 Yearly 20 20 ₹ 400,000

27-Jul-07 20 ₹ 9,791.00 Yearly 20 20 ₹ 800,000 ₹ 195,820

28-Mar-08 19 ₹ 30,000.00 Yearly 19 19 ₹0 ₹ 570,000

22-May-04 ₹ 9,000.00 Hly ₹ 100,000

8-Nov-03 20 ₹ 6,316.00 Yearly 20 20 ₹ 125,000 ₹ 126,320

22-Mar-13 15 ₹ 40,000.00 Yearly ₹ 40,000 15 15 ₹ 400,000 ₹ 600,000

2-Jun-12 10 ₹ 40,000.00 Yearly ₹ 40,000 10 10 ₹ 400,000 ₹ 400,000

31-Aug-09 30 ₹ 25,000.00 Qly 30 30 ₹ 5,000,000 ₹ 3,000,000

24-Mar-15 25 ₹ 16,652.00 Yearly ₹ 16,652 25 25 ₹ 4,000,000 ₹ 416,300

24-Mar-15 25 ₹ 27,278.00 Yearly ₹ 27,278 25 25 ₹ 10,000,000 ₹ 681,950

93-
25 12-Oct-93 25 ₹ 137.00 Qly ₹ 13,700.00 25 25 ₹ 10,000.00 ₹ 13,700.00
93-
25 28-Feb-92 25 ₹ 1,307.00
Half Yearly ₹ 65,350.00 25 25 ₹ 50,000.00 ₹ 65,350.00

113-
26 10-Dec-98 20 ₹ 5,305.00 Yearly 20 20 ₹ 100,000.00 ₹ 106,100.00
75-
20 26-Apr-97 20 ₹ 3,159.00 Hly 20 20 ₹ 100,000.00 ₹ 126,360.00
112-
25-
16 28-Feb-01 25 ₹ 25,660.00 Yearly 16 25 ₹ 500,000.00 ₹ 410,560.00
112-
25-
16 28-Mar-01 25 ₹ 30,792.00 Yearly 16 25 ₹ 600,000.00 ₹ 492,672.00

181-
20 31-Mar-08 20 ₹ 20,000.00 Single ₹ 20,000.00 20 20 ₹ 200,000.00 ₹ 800,000.00
93-
25 28-Mar-03 ₹ 13,097.00 Hly 25 25 ₹ 500,000.00 ₹ 654,850.00

111-
30 28-Nov-94 30 ₹ 735.00 Qly 30 30 ₹ 300,000.00 ₹ 88,200.00
149-
21 28-Mar-04 21 ₹ 5,294.00 Hly 21 21 ₹ 200,000.00 ₹ 222,348.00
102-
21 28-Mar-04 21 ₹ 2,248.00 Hly 21 21 ₹ 100,000.00 ₹ 94,416.00

103-
21 28-Mar-04 21 ₹ 8,272.00 Hly 21 21 ₹ 300,000.00 ₹ 347,424.00
 Vested Total
Simple Vested Simple Approx
Reversionar Reversionary Return @
y Bonus as Bonus @ Final Additional / Dt of Last Maturity Maturity
per site Maturity TerminalBonus Payment Date Time IRR

NIL NIL NIL 7-Apr-23 7-Oct-23 NIL NIL

NIL NIL NIL 22-Jan-21 7-Oct-22 NIL NIL

Assumed @ 5.5% &
NIL 3.8% p.a. NIL 13-Jun-21 13-Dec-34 634257 actual 3.8%

Assumed @ 5.5% &

NIL 4.80% NIL 7-Oct-22 7-Oct-23 1286578 actual 4.8%

Calculations on next
3% 3% NIL 6-Dec-33 6-Dec-34 sheet

NIL NIL 28-03-2038 NIL NIL NA

27-Jul-26 27-Jul-27 NA

28-Mar-26 28-Mar-27

NIL 2.50% NIL 8-Nov-23 8-Nov-24 160948

22-Mar-27 22-Mar-28

2-Jun-21 2-Jun-22

31-May-39 31-Aug-39

24-Mar-39 24-Mar-40

24-Mar-39
 12-Jul-18 12-Oct-18

28-Mar-16 28-Feb-17

10-Dec-15 10-Dec-24

26-Oct-16 26-Apr-17

28-Feb-16 28-Feb-26

28-Dec-16 28-Mar-26

31-Mar-08 31-Mar-28

28-Sep-27 28-Mar-28

28-Aug-24 28-Nov-24

28-Sep-24 28-Mar-25

28-Sep-24 28-Mar-25

28-Sep-24 28-Mar-25
 Month
Remarks Payments Paid Date Birth Of Date Nominee Email Mobile

Term SA 10L Apr/ Oct Vaishali P Dere

Term SA 50L Jul/ Jan Vaishali P Dere 9822267575

ADB 4.40L + Waiver of Prem Dec / Jun Vaishali P Dere

A Whole Life Insurance & Guaranteed

Survival Benefit Rs.796594.50 Apr/ Oct Vaishali P Dere 9822267575

1. Maturity Benefit = Accrued

Bonuses;less Non Guaranted Survival
Benefits paid till date 2. Surrender
benefit is higher of GSV or Special
Surrender Value 12/12/1977 Mr. Pramod P. Dere 9822267575
Hospital Care-Plan A Annual Limit 4 lac
& Lifetime limit 20 L Mr. Pramod P. Dere
Hospital Care-Plan B Annual Limit 8 lac
& Lifetime limit 40 L Vaishali P Dere

LifeStage Pension 9822267575

Mr. Pramod P. Dere

ADB & disability Ben. Rider 1.25 L Vaishali P Dere

Bluechip Fund 50% + Opportunities

Fund 50% Vaishali P Dere pramoddere@gmail.com

Bluechip Fund 50% + Opportunities

Fund 50% Vaishali P Dere

Tata AIG Large Cap Equity Fund 50% &

Select Eequity Fund 50% May/Aug/Nov/feb Vaishali P Dere 9325757345

Term 40 + ADB 40L Mar Vaishali P Dere pramod 9822267575

Term 1Cr + ADB 40L Mar Vaishali P Dere pramod 9822267575

40% SA with bonus @ 4.4% Jan/Apr/Jul/Oct HOLD Ratnamala (mother)

40% SA with bonus @ 4.4% Feb / Aug HOLD Ratnamala (mother)

SA 1 L / Maturity: 20% SA @ 18y in

2016; 20% SA @ 20y in 2018; 30% SA
@ 22y in 2020 & 30% SA @ 24y in 2022 Dec HOLD Proposer Pramod P dere
SA 1 L / Maturity: 40% SA in 2017 with
accrued bonus @ 0.0% April

SA 5 L FEB CONTINUE Vaishali P Dere

SA 6 L MAR CONTINUE Vaishali P Dere

SA 2 L Single Check fund val Mr. Pramod P. Dere

Maturity: 40% SA with vested bonus @
4.4% Sep/ mar
Free Insurance cover of 1.80 L till 28-
11-2034) Maturity Rs.88200 (735 * 4 *
30) Nov Check Mr. Prakash (Father)

SA 2 L Mar / Sep Surrender Mr. Pramod P. Dere

SA 1 L Mar / Sep No NominatSurrender

SA 3 L / Maturity: 25% SA in 2022; 25%

SA in 2023; 25% SA in 2024; & in 25%
SA in 2025 with bonus @ 0.0% Mar / Sep Vaishali P Dere
 Fund Value

dere@gmail.com
checkmaturityAFYPD6368M

AFYPD6371E

648247 24-Sep-18 ok

777897 24-Sep-18 ok

29314 16-Dec-16 check status

206835 6-Oct-17 surrendered

38531 28-Dec-16 check status

141772 16-Dec-16 check status

65472 16-Dec-16 check status

231869 6-Oct-17 surrendered

 BSLI Vision Regular Returns - Policy # 00664014

1. Maturity Benefit = Accrued Bonuses;less Non Guaranted Survival

Actual Assumed benefit is higher of GSV or Special Surrend

Guranted
Policy Survival
Present Value ₹ 0.00 ₹ 0.00 Year OPENING BAL benefit Premium
Rate of Interest -2.31% 2.20% 1 ₹0 ₹ 42,166
Premium Amt -₹ 42,166.23 -₹ 42,166.23 2 ₹ 43,431 ₹ 42,166
Start of Policy Year 1 1 3 ₹ 88,165 ₹ 42,166
Policy Term 20 20 4 ₹ 134,242 ₹ 42,166
Investement return Value ₹ 665,600.00 ₹ 1,068,176.38 5 ₹ 181,700 ₹ 42,166
Total Prem amt ₹ 843,324.60 6 ₹ 230,582 ₹ 10,400 ₹ 42,166
7 ₹ 270,219 ₹ 12,619 ₹ 42,166
8 ₹ 308,759 ₹ 14,996 ₹ 42,166
9 ₹ 346,007 ₹ 17,556 ₹ 42,166
10 ₹ 381,736 ₹ 20,329 ₹ 42,166
11 ₹ 415,680 ₹ 23,355 ₹ 42,166
12 ₹ 447,526 ₹ 26,683 ₹ 42,166
13 ₹ 476,900 ₹ 30,380 ₹ 42,166
14 ₹ 503,347 ₹ 34,540 ₹ 42,166
15 ₹ 526,302 ₹ 39,295 ₹ 42,166
16 ₹ 545,049 ₹ 44,841 ₹ 42,166
17 ₹ 558,645 ₹ 51,497 ₹ 42,166
18 ₹ 565,794 ₹ 59,817 ₹ 42,166
19 ₹ 564,587 ₹ 70,911 ₹ 42,166
20 ₹ 551,918 ₹ 87,551 ₹ 42,166
21 ₹ 521,729 ₹ 120,831
₹ 665,601 ₹ 843,325

IPRU SAVE'n'Protect policy # '00552641

Actual
Present Value ₹ 0.00
Rate of Interest 2.50%
Premium Amt -₹ 6,147.00
Start of Policy Year 1
Policy Term 20
Investement return Value ₹ 160,948.59
Total Prem amt ₹ 122,940.00
ar Returns - Policy # 006640149 actual facts

;less Non Guaranted Survival Benefits paid till date 2. Surrender

gher of GSV or Special Surrender Value

INTERIM BAL RATE INT AMT CLOSING BAL

₹ 42,166 3.00% ₹ 1,265 ₹ 43,431
₹ 85,597 3.00% ₹ 2,568 ₹ 88,165
₹ 130,332 3.00% ₹ 3,910 ₹ 134,242
₹ 176,408 3.00% ₹ 5,292 ₹ 181,700
₹ 223,866 3.00% ₹ 6,716 ₹ 230,582
₹ 262,348 3.00% ₹ 7,870 ₹ 270,219
₹ 299,766 3.00% ₹ 8,993 ₹ 308,759
₹ 335,929 3.00% ₹ 10,078 ₹ 346,007
₹ 370,617 3.00% ₹ 11,119 ₹ 381,736
₹ 403,573 3.00% ₹ 12,107 ₹ 415,680
₹ 434,492 3.00% ₹ 13,035 ₹ 447,526
₹ 463,010 3.00% ₹ 13,890 ₹ 476,900
₹ 488,686 3.00% ₹ 14,661 ₹ 503,347
₹ 510,973 3.00% ₹ 15,329 ₹ 526,302
₹ 529,173 3.00% ₹ 15,875 ₹ 545,049
₹ 542,374 3.00% ₹ 16,271 ₹ 558,645
₹ 549,314 3.00% ₹ 16,479 ₹ 565,794
₹ 548,143 3.00% ₹ 16,444 ₹ 564,587
₹ 535,842 3.00% ₹ 16,075 ₹ 551,918
₹ 506,533 3.00% ₹ 15,196 ₹ 521,729
₹ 400,898 3.00% ₹ 400,898
₹ 1,066,499
 To be Surrender / Pending / Need to
Insurer Total Continued Paidup Check
Birla SL 5 2 3 0
HDFC SL 2 0 0 2
ICICI Prudential 5 2 1 2
LIC 12 5 6 1
Max LI 2 0 0 2
Tata AIA LI 1 0 0 1
Total Policies 27 9 10 8
 48330 41130
100 85.1024208566108

Permanent Partial Disabaility: Loss of Income 15k per week upto 100 weeks
Death SA
Permanent Partial Disabaility:
Table-B Permanent Disabaility:
Table-C Weekly Benefits
 7200 7590
14.897579143389 115%
8728.5

Monthly Income Sum Assured

₹ 100,000.00 225 22500000

₹ 10,000,000.00
₹ 10,000,000.00
₹ 10,000,000.00
₹ 1,000,000.00
Sr Policy Holder Policy No. Insurer Co. Product Name
1 Pramod Prakash Dare 951275469 LIC New Money Back Plan With Profits (with Accident Benef
2 Pramod P Dere 950732954 LIC New Money Back Plan With Profits (with Accident Benef
3 Chaitali Pramod Dere 982513464 LIC Money Back Childern's assurance w/o Profits
19 Mrs. Vaishali .P.Dere 952306987 LIC 20 year Money back Policy (w Profits) (w Accident benef
20 Mrs. Vaishali .P.Dere 982265674 LIC 25 Year New Money Back policy (with Profits) (with Acc
21 Mr. Pramod P. Dere 952304245 LIC BIMA KIRAN POLIICY W/O PROFITS

22 Mr. Pramod P. Dere 952368315 LIC Jeevan Shree w/o Profit w/o Accident Benefits
23 Mrs. Vaishali .P.Dere 984066615 LIC Jeevan Ananad (with Profits) (with Accident benefits)
24 Mrs. Vaishali .P.Dere 985129551 LIC LIC's MARKET PLUS - GROWTH
25 Ms. Sejal Pramod Dere 984066617 LIC Jeevan Kishor with Profits

26 Mr. Pramod P. Dere 952367749 LIC Jeevan Shree w/o Profit w/o Accident Benefits
27 Mr. Pramod P. Dere 984066547 LIC JEEVAN CHAYA POLICY w Profit w Accident Benefits
 Total Policy Period
Plan No. Of Premium Policy Basic Sum Total
No. D.O.C. Years Premium Rs. Mode Paid PPT Term Assured (Rs.) Premium
93-25 12-Oct-93 25 ₹ 137.00 Qly ₹ 13,700.00 25 25 ₹ 10,000.00 ₹ 13,700.00
93-25 28-Feb-92 25 ₹ 1,307.00 Half Yearly ₹ 65,350.00 25 25 ₹ 50,000.00 ₹ 65,350.00
113-26 10-Dec-98 20 ₹ 5,305.00 Yearly 20 20 ₹ 100,000.00 ₹ 106,100.00
75-20 26-Apr-97 20 ₹ 3,159.00 Hly 20 20 ₹ 100,000.00 ₹ 126,360.00
93-25 28-Mar-03 ₹ 13,097.00 Hly 25 25 ₹ 500,000.00 ₹ 654,850.00
111-30 28-Nov-94 30 ₹ 735.00 Qly 30 30 ₹ 300,000.00 ₹ 88,200.00
112-25-
16 28-Feb-01 25 ₹ 25,660.00 Yearly 16 25 ₹ 500,000.00 ₹ 410,560.00
149-21 28-Mar-04 21 ₹ 5,294.00 Hly 21 21 ₹ 200,000.00 ₹ 222,348.00
181-20 31-Mar-08 20 ₹ 20,000.00 Single ₹ 20,000.00 20 20 ₹ 200,000.00 ₹ 800,000.00
102-21 28-Mar-04 21 ₹ 2,248.00 Hly 21 21 ₹ 100,000.00 ₹ 94,416.00
112-25-
16 28-Mar-01 25 ₹ 30,792.00 Yearly 16 25 ₹ 600,000.00 ₹ 492,672.00
103-21 28-Mar-04 21 ₹ 8,272.00 Hly 21 21 ₹ 300,000.00 ₹ 347,424.00
Dt of Last Maturity
Payment Date Remarks Month Payments Paid Date Birth Of Date
12-Jul-18 12-Oct-18 40% SA with bonus @ 4.4% Jan/Apr/Jul/Oct 15-Apr-15 1-Jun-69
28-Mar-16 28-Feb-17 40% SA with bonus @ 4.4% Feb / Aug 1-Jun-69
10-Dec-15 10-Dec-24 SA 1 L / Maturity: 20% SA @ 1 Dec Paid
26-Oct-16 26-Apr-17 SA 1 L / Maturity: 40% SA in April 28-Sep-15 12/12/1976
28-Sep-27 28-Mar-28 Maturity: 40% SA with vested Sep/ mar 11-Oct-15
28-Aug-24 28-Nov-24 Free Insurance cover of 1.80 L Nov Paid

28-Feb-16 28-Feb-26 SA 5 L FEB

28-Sep-24 28-Mar-25 SA 2 L Mar / Sep
31-Mar-08 31-Mar-28 SA 2 L Single
28-Sep-24 28-Mar-25 SA 1 L Mar / Sep

28-Dec-16 28-Mar-26 SA 6 L MAR

28-Sep-24 28-Mar-25 SA 3 L / Maturity: 25% SA in 2 Mar / Sep 1/6/1969
Nominee Email Fund Value RECOMMENDATION
Ratnamala (mother) AFYPD6368M HOLD
Ratnamala (mother) HOLD
Proposer Pramod P dere HOLD
AFYPD6371E

Mr. Prakash (Father) Check

Vaishali P Dere CONTINUE

Mr. Pramod P. Dere Surrender
Mr. Pramod P. Dere Check fund value if above 15% CAGR then Continue
No NominatiSurrender

Vaishali P Dere CONTINUE

Vaishali P Dere
then Continue