Presented by:

JYOTIKA
Senior Insurance Advisor

+91 7703866561, +91 9213121151

licsevakendr@gmail.com
 Jeevan Umang - 945
LIC's Jeevan Umang plan offers a combination of income and protection to your family.
This plan provides for annual survival benefits from the end of the premium
paying term till maturity and a lump sum payment at the time of maturity
or on death of the policyholder during the policy term.
Table No.

945
Release Date

13/02/2020
Maturity Benefit: On the life assured surviving to the end of the policy term, provided
Maturity Benefits all due premiums have been paid, 'Sum Assured on Maturity' along with vested Simple
shall be payable.Where Sum Assured on Maturity is equal to Basic Sum Assured.
Reversionary Bonuses (as mentioned in 2 below) and Final Additional bonus,
if any, shall be payable.

On death of the Life Assured during the policy term, provided all due premiums have been paid then
1) On death before the commencement of Risk:
Death Benefits
Return of premium/s paid without interest shall be payable.
2) On Death after the commencement of Risk :
Death Benefit, defined as sum of 'Sum Assured on Death' and vested Simple
Reversionary Bonuses (as mentioned in 2 below) and Final Additional bonus,
if any, shall be payable.

The Guaranteed Surrender Value shall be a percentage of total premiums paid (net of taxes)
excluding any extra premiums and premiums for riders,if opted for. This percentage
GSV & SSV Benefits
will depend on the policy term and policy year in which the policy is surrendered
Corporation may however, pay Special Surrender Value as applicable as on the date of
surrender, provided the same is higher than Gauranteed Surrender Value.

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.
 Plan Summary

Premium
First Year Premium Rs. 49,623
Rest Of Year Premium Rs. 48,555

Tax Saved
Total Term Premium Paid Rs. 7,29,393
Total Tax Saved Rs. 0

Maximum Risk Cover

Maximum Risk Cover Rs. 45,58,800
Minimum Risk Cover 12,38,400

Returns
Total Amount Received Rs. 75,39,600
 This Presentation is Specially
JYOTIKA
Senior Insurance Advisor Prepared For:

Name: Mr. mihir

Age: 22
+91 7703866561, +91 9213121151
licsevakendr@gmail.com

Year Age Risk Cover Annualized Tax Net Surrender Loan Maturity
Premium Saved Premium Value Value Value
Normal Accidental

2021 22 6,38,400 12,38,400 49,623 0 49,623 0 0 0

2022 23 6,76,800 12,76,800 48,555 0 48,555 28,623 25,761 0

2023 24 7,15,200 13,15,200 48,555 0 48,555 94,503 85,053 0

2024 25 7,53,600 13,53,600 48,555 0 48,555 1,35,852 1,22,267 0

2025 26 7,92,000 13,92,000 48,555 0 48,555 1,83,103 1,64,793 0

2026 27 8,30,400 14,30,400 48,555 0 48,555 2,33,224 2,09,902 0

2027 28 8,68,800 14,68,800 48,555 0 48,555 2,89,712 2,60,741 0

2028 29 9,07,200 15,07,200 48,555 0 48,555 3,53,866 3,18,479 0

2029 30 9,45,600 15,45,600 48,555 0 48,555 4,26,959 3,84,263 0

2030 31 9,84,000 15,84,000 48,555 0 48,555 5,10,776 4,59,698 0

2031 32 10,22,400 16,22,400 48,555 0 48,555 6,11,873 5,50,686 0

2032 33 10,60,800 16,60,800 48,555 0 48,555 7,10,963 6,39,867 0

2033 34 10,99,200 16,99,200 48,555 0 48,555 8,03,741 7,23,367 0

2034 35 11,37,600 17,37,600 48,555 0 48,555 9,06,288 8,15,659 0

2035 36 11,88,000 17,88,000 48,555 0 48,555 10,70,400 9,63,360 0

2036 37 12,10,200 18,10,200 0 0 0 10,89,180 2,52,000 48,000

2037 38 12,32,400 18,32,400 0 0 0 11,09,160 2,52,000 48,000

2038 39 12,54,600 18,54,600 0 0 0 11,29,140 2,52,000 48,000

2039 40 12,82,800 18,82,800 0 0 0 11,54,520 2,52,000 48,000

2040 41 13,14,000 19,14,000 0 0 0 11,82,600 2,52,000 48,000

2041 42 13,51,200 19,51,200 0 0 0 12,16,080 2,52,000 48,000

2042 43 14,00,400 20,00,400 0 0 0 12,60,360 2,52,000 48,000

2043 44 14,79,600 20,79,600 0 0 0 13,31,640 2,52,000 48,000

2044 45 15,58,800 21,58,800 0 0 0 14,02,920 2,52,000 48,000

2045 46 16,38,000 22,38,000 0 0 0 14,74,200 2,52,000 48,000

2046 47 17,17,200 23,17,200 0 0 0 15,45,480 2,52,000 48,000

2047 48 18,08,400 24,08,400 0 0 0 16,27,560 2,52,000 48,000

2048 49 18,99,600 24,99,600 0 0 0 17,09,640 2,52,000 48,000

2049 50 19,90,800 25,90,800 0 0 0 17,91,720 2,52,000 48,000

2050 51 21,24,000 27,24,000 0 0 0 19,11,600 2,52,000 48,000

To Be Continued...

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.
 This Presentation is Specially
JYOTIKA
Senior Insurance Advisor Prepared For:

Name: Mr. mihir

Age: 22
+91 7703866561, +91 9213121151
licsevakendr@gmail.com

Year Age Risk Cover Annualized Tax Net Surrender Loan Maturity
Premium Saved Premium Value Value Value
Normal Accidental

2051 52 22,63,200 28,63,200 0 0 0 20,36,880 2,52,000 48,000

2052 53 24,32,400 30,32,400 0 0 0 21,89,160 2,52,000 48,000

2053 54 26,01,600 32,01,600 0 0 0 23,41,440 2,52,000 48,000

2054 55 27,70,800 33,70,800 0 0 0 24,93,720 2,52,000 48,000

2055 56 29,40,000 35,40,000 0 0 0 26,46,000 2,52,000 48,000

2056 57 31,09,200 37,09,200 0 0 0 27,98,280 2,52,000 48,000

2057 58 32,78,400 38,78,400 0 0 0 29,50,560 2,52,000 48,000

2058 59 34,47,600 40,47,600 0 0 0 31,02,840 2,52,000 48,000

2059 60 36,16,800 42,16,800 0 0 0 32,55,120 2,52,000 48,000

2060 61 37,86,000 43,86,000 0 0 0 34,07,400 2,52,000 48,000

2061 62 38,05,200 44,05,200 0 0 0 34,24,680 2,52,000 48,000

2062 63 38,24,400 44,24,400 0 0 0 34,41,960 2,52,000 48,000

2063 64 38,43,600 44,43,600 0 0 0 34,59,240 2,52,000 48,000

2064 65 38,62,800 44,62,800 0 0 0 34,76,520 2,52,000 48,000

2065 66 38,82,000 44,82,000 0 0 0 34,93,800 2,52,000 48,000

2066 67 39,01,200 45,01,200 0 0 0 35,11,080 2,52,000 48,000

2067 68 39,20,400 45,20,400 0 0 0 35,28,360 2,52,000 48,000

2068 69 39,39,600 45,39,600 0 0 0 35,45,640 2,52,000 48,000

2069 70 39,58,800 45,58,800 0 0 0 35,62,920 2,52,000 48,000

2070 71 39,78,000 39,78,000 0 0 0 35,80,200 2,52,000 48,000

2071 72 39,97,200 39,97,200 0 0 0 35,97,480 2,52,000 48,000

2072 73 40,16,400 40,16,400 0 0 0 36,14,760 2,52,000 48,000

2073 74 40,35,600 40,35,600 0 0 0 36,32,040 2,52,000 48,000

2074 75 40,54,800 40,54,800 0 0 0 36,49,320 2,52,000 48,000

2075 76 40,74,000 40,74,000 0 0 0 36,66,600 2,52,000 48,000

2076 77 40,93,200 40,93,200 0 0 0 36,83,880 2,52,000 48,000

2077 78 41,12,400 41,12,400 0 0 0 37,01,160 2,52,000 48,000

2078 79 41,31,600 41,31,600 0 0 0 37,18,440 2,52,000 48,000

2079 80 41,50,800 41,50,800 0 0 0 37,35,720 2,52,000 48,000

2080 81 41,70,000 41,70,000 0 0 0 37,53,000 2,52,000 48,000

To Be Continued...

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.
 This Presentation is Specially
JYOTIKA
Senior Insurance Advisor Prepared For:

Name: Mr. mihir

Age: 22
+91 7703866561, +91 9213121151
licsevakendr@gmail.com

Year Age Risk Cover Annualized Tax Net Surrender Loan Maturity
Premium Saved Premium Value Value Value
Normal Accidental

2081 82 41,89,200 41,89,200 0 0 0 37,70,280 2,52,000 48,000

2082 83 42,08,400 42,08,400 0 0 0 37,87,560 2,52,000 48,000

2083 84 42,27,600 42,27,600 0 0 0 38,04,840 2,52,000 48,000

2084 85 42,46,800 42,46,800 0 0 0 38,22,120 2,52,000 48,000

2085 86 42,66,000 42,66,000 0 0 0 38,39,400 2,52,000 48,000

2086 87 42,85,200 42,85,200 0 0 0 38,56,680 2,52,000 48,000

2087 88 43,04,400 43,04,400 0 0 0 38,73,960 2,52,000 48,000

2088 89 43,23,600 43,23,600 0 0 0 38,91,240 2,52,000 48,000

2089 90 43,42,800 43,42,800 0 0 0 39,08,520 2,52,000 48,000

2090 91 43,62,000 43,62,000 0 0 0 39,25,800 2,52,000 48,000

2091 92 43,81,200 43,81,200 0 0 0 39,43,080 2,52,000 48,000

2092 93 44,00,400 44,00,400 0 0 0 39,60,360 2,52,000 48,000

2093 94 44,19,600 44,19,600 0 0 0 39,77,640 2,52,000 48,000

2094 95 44,38,800 44,38,800 0 0 0 39,94,920 2,52,000 48,000

2095 96 44,58,000 44,58,000 0 0 0 40,12,200 2,52,000 48,000

2096 97 44,77,200 44,77,200 0 0 0 40,29,480 2,52,000 48,000

2097 98 44,96,400 44,96,400 0 0 0 40,46,760 2,52,000 48,000

2098 99 45,15,600 45,15,600 0 0 0 40,64,040 2,52,000 48,000

2099 100 0 0 0 0 0 0 0 45,15,600

Total 7,29,393 0 7,29,393 75,39,600

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.
 This Presentation is Specially
JYOTIKA
Senior Insurance Advisor Prepared For:

Name: Mr. mihir

Age: 22
+91 7703866561, +91 9213121151
licsevakendr@gmail.com

Modewise Summary of Installment Premiums

ID DOC Plan Term PPT Basic Accidental Settlement Premium
Sum Sum Option
Assured Assured Yealy Half-Yly Quarterly ECS/SSS Single ** Daily

1 17/12/2021 945 78 15 600000 0 0 Years 49623 25063 12658 4219 0 135

Total 600000 0 No 49623 25063 12658 4219 0 135

'*' : Assuming LIC will declare the above mentioned bonus rates for the year ended 31/03/2018.
'**' : Daily premium is for indicative purpose only. Formula used - (Yearly Premium/365).
'***' : Premiums indicated are inclusive of GST.

Medical Requirements
Medical Test : FMR For NMG(NSAP)

Internal Rate of Return(IRR) :-

Normal : 5.19
Income Tax Rebate : 5.19

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.
 Point to Remember

Age Proof (any Address Proof Photo ID (any Income Proof For Child Policy
one) (any one) one) (any one) (any one)

Passport Pan Voter's Card Voter's Card Salary Slip Form School Id Card
Card Driving Passport Passport Pan 16 Income Tax Fee Receipt
License School Electric/Phone Card Driving Return (If total Progress Card
Certificate Birth Bill Ration Card License premium exceed
Certificate Rent Agreement Rupees One
Bank Passbook Lakh)
Driving License

Please be ready with below documents

One Passport size photograph For ECS Mode fill NACH FORM, For SB & Maturity fill NEFT
FORM For Monthly ECS mode required 2 monthly premium cheques

Account payee cheque towards the premium in favour of "LIFE INSURANCE

CORPORATION OF INDIA"

*If the SUC is more than 50 Lakh. Don't forget to fill FORM 3251(A & B) PAN Card is
mandatory if total premium payable during the year under all policies is more than INR
50000. Nominee ID Proof is Compulsory

Disclaimer

This personalized illustration contains guaranteed and non-guaranteed benefits. The

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 non-guaranteed benefits will depend upon the future
performance of L.I.C. of India with respect to this product.