933-Jeevan Lakshya

Prepared By

NEELAM KUMARI
ADVISOR- LIFE INS CORP OF INDIA
Ph: 7719641163
neelamkumari11215@gmail.com
 This is proposed to

Proposer Details
Name
Age 35
Plan Name 933-Jeevan Lakshya
Sum Assured 1000000
Policy Term 25
PPT 22
DAB Rider 1000000
AD & DB Rider 0
Term Rider 0
CIR SA 0
PWB Rider -

First Year Premium

YLY HLY QLY MLY
45277 22879 11561 3854
43327+1950 21894+985 11063+498 3688+166

2nd year onwards

YLY HLY QLY MLY
44302 22387 11312 3771
43327+975 21894+493 11063+249 3688+83

Total Premium Rs.975619

Total Returns Rs.2600000

Save Rs.121 per day for 22 yrs, and get a

bulk amount of Rs.2600000 at Age:60
Year Age Premium Natural Accidental Returns CashValue Loan

2022 35 45277 0 1000000 0 0 0

2023 36 44302 0 1000000 0 25996 20796

2024 37 44302 0 1000000 0 60080 48064

2025 38 44302 0 1000000 0 115026 92020

2026 39 44302 0 1000000 0 144082 115265

2027 40 44302 0 1000000 0 173368 138694

2028 41 44302 0 1000000 0 202938 162350

2029 42 44302 0 1000000 0 239097 191277

2030 43 44302 0 1000000 0 277377 221901

2031 44 44302 0 1000000 0 317892 254313

2032 45 44302 0 1000000 0 360900 288720

2033 46 44302 0 1000000 0 402860 322288

2034 47 44302 0 1000000 0 446879 357503

2035 48 44302 0 1000000 0 493155 394524

2036 49 44302 0 1000000 0 545655 436524

2037 50 44302 0 1000000 0 598247 478597

2038 51 44302 0 1000000 0 654023 523218

2039 52 44302 0 1000000 0 713313 570650

2040 53 44302 0 1000000 0 778617 622893

2041 54 44302 0 1000000 0 849754 679803

2042 55 44302 0 1000000 0 928991 743192

2043 56 44302 0 1000000 0 1019988 815990

2044 57 0 0 1000000 0 1133622 906897

2045 58 0 0 1000000 0 1268078 1014462

2046 59 0 0 1000000 0 1346540 1077232

2047 60 0 0 0 2600000 0 0
0 0 975619 0 0 2600000 0 0
Lets claculate the Risk cover at Age 39
Natural Risk Cover:

10% of the Sum Assured is given every year from

Age:39-Age:59
100000*21=Rs.2100000

On maturity 110% of Sum Assured along with bonus is

given
Rs.2700000

2100000+2700000+0 = Rs.4800000

Accidental Risk Cover:

Double Accidental Benefit is given immediatelly at

Age:39 (Rs.1000000)

10% of the Sum Assured is given every year from

Age:39-Age:59
100000*21=Rs.2100000

On maturity 110% of Sum Assured along with bonus is

given
Rs.2700000

1000000+2100000+2700000+0 = Rs.5800000
 Accidental Risk Cover at Age:39

Year Age Premium Natural Accidental Returns CashValue Loan

2022 35 45277 0 1000000 0 0 0

2023 36 44302 0 1000000 0 25996 20796

2024 37 44302 0 1000000 0 60080 48064

2025 38 44302 0 1000000 0 115026 92020

2026 39 0 0 0 1100000 144082 115265

2027 40 0 0 0 100000 173368 138694

2028 41 0 0 0 100000 202938 162350

2029 42 0 0 0 100000 239097 191277

2030 43 0 0 0 100000 277377 221901

2031 44 0 0 0 100000 317892 254313

2032 45 0 0 0 100000 360900 288720

2033 46 0 0 0 100000 402860 322288

2034 47 0 0 0 100000 446879 357503

2035 48 0 0 0 100000 493155 394524

2036 49 0 0 0 100000 545655 436524

2037 50 0 0 0 100000 598247 478597

2038 51 0 0 0 100000 654023 523218

2039 52 0 0 0 100000 713313 570650

2040 53 0 0 0 100000 778617 622893

2041 54 0 0 0 100000 849754 679803

2042 55 0 0 0 100000 928991 743192

2043 56 0 0 0 100000 1019988 815990

2044 57 0 0 0 100000 1133622 906897

2045 58 0 0 0 100000 1268078 1014462

2046 59 0 0 0 100000 1346540 1077232

2047 60 0 0 0 2700000 0 0

0 0 178183 0 0 5800000 0 0
You have to pay the premium for 22 yrs
(from Age:35 - Age:56)

If you take the payment mode as yly then you have to pay Rs.45277 for the first
year,from 2nd year onwards Rs.44302

Totally you will pay Rs.975619

At Age:60 you will receive Rs.2600000

Natural Risk cover is as explained above

Accidental Risk cover is as explained above

If you close the policy you will receive the amount as shown in the above table
under CashValue Column...For example
if you close at Age-42, you will receive Rs.239097

You can take the loan as shown in the above table under Loan Column...For
example
at Age-42, you can take a loan of Rs.191277

Medical Report: For Proposers under NMS(Including NRIs/FNIOs of group V

countries), And NMG(Professional) and NMG(Self-Employed) Criteria upto age
60 LBD
----NMS & NMG(Professional)----

For Proposers under NMG(SAP) and NMG(NSAP) for others

----MER----
Disclaimer : The Benefits shown in this presentation are calculated based on the
current bonus rates, Actual values may vary depends on the corporation profits and
experience