"Insure & Be Secure": Mr. Surrender

"Insure & be secure"
A presentation specially compiled for
Mr. Surrender
Presented by :-
GHAN SHYAM SETHI

Sample Report For Demonstration Purpose Only
205-206, C-Wing, Crystal Plaza,New Link Road, Andheri(W), Mumbai - 400 053.
Tel: 4060 1000 Fax:4060 1226. e-mail. support@datacompwebtech.com
GHAN SHYAM SETHI

205-206, C-Wing, Crystal Plaza,New Link Road,
Andheri(W), Mumbai - 400 053.
Tel: 4060 1000 Fax:4060 1226.
e-mail. support@datacompwebtech.com
Magic Mix Illustration for Mr. Surrender (age 34)
Ref. No. 5
Proposed Insurance
Id
1
Com.Date Plan Name

05/07/11 149-Jeevan Anand
Term/
PPT
Basic Sum
Assured
Term
Rider SA
Accident
Rider SA
Crit.Illness.
Rider SA
21/21
6,75,000
5,00,000
6,75,000
5,00,000
Premium
Waiver Md.
-
Install.
Premium
Tax
Beneficiary
35,943
35,943
Annual Premium:
Modewise Summary of Installment Premiums
Id
Com. Date
Plan/Tm/PPT
05/07/11
149/21/21
Interim
Bonus
Rate
45
* Bonus
Rate
45
PREMIUM
#Assu
Step
Rate
FAB
SSS
Monthly
Quaterly
Half Yearly
Yearly
0.00
100
3,091
3,251
9,273
18,259
35,943
3,091
3,251
9,273
18,259
35,943
1. '*' : - Assuming LIC will declare the above mentioned bonus rates for the year ended 31-Mar-2011
2. '#' : - Assuming that bonus rate declared by LIC will increase/decrease per year by step rate mentioned above.
3. '%' : - Assumed Growth Rate
Medical Requirement Details

Sum at Risk:
Disclaimer:
6,75,000
Medical by DMR:
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.
No
GHAN SHYAM SETHI

Tel: 4060 1000 Fax:4060 1226.
Ref. No. 5
Forecast of Insurance Benefits

Fin. Year
Ending
Age
Risk Cover
(Natural Death)
Additional Cover
Accident
Crit. Ill.
PWB
Premium
For the Year

Returns
Cash
Value
Cash Flow
Loan
Available
31/03/12
34
7,05,375
5,00,000
35,943
-35,943
31/03/13
35
7,35,750
5,00,000
35,943
-35,943
31/03/14
36
7,66,125
5,00,000
35,943
-35,943
31,192
28,000
31/03/15
37
7,96,500
5,00,000
35,943
-35,943
69,395
62,500
31/03/16
38
8,26,875
5,00,000
35,943
-35,943
95,644
86,000
31/03/17
39
8,57,250
5,00,000
35,943
-35,943
1,25,499
1,13,000
1,43,500
31/03/18
40
8,87,625
5,00,000
35,943
-35,943
1,59,419
31/03/19
41
9,18,000
5,00,000
35,943
-35,943
1,97,853
1,78,000
31/03/20
42
9,48,375
5,00,000
35,943
-35,943
2,42,588
2,18,250
31/03/21
43
9,78,750
5,00,000
35,943
-35,943
2,91,842
2,62,750
31/03/22
44
10,09,125
5,00,000
35,943
-35,943
3,47,324
3,12,500
31/03/23
45
10,39,500
5,00,000
35,943
-35,943
4,06,846
3,66,250
31/03/24
46
10,69,875
5,00,000
35,943
-35,943
4,70,721
4,23,750
31/03/25
47
11,00,250
5,00,000
35,943
-35,943
5,42,637
4,88,250
31/03/26
48
11,44,125
5,00,000
35,943
-35,943
6,24,123
5,61,750
31/03/27
49
11,77,875
5,00,000
35,943
-35,943
7,16,635
6,45,000
31/03/28
50
12,11,625
5,00,000
35,943
-35,943
8,24,964
7,42,500
8,55,750
31/03/29
51
12,45,375
5,00,000
35,943
-35,943
9,50,879
31/03/30
52
12,85,875
5,00,000
35,943
-35,943
10,92,809
9,83,500
31/03/31
53
13,29,750
5,00,000
35,943
-35,943
12,52,745
11,27,500
31/03/32
54
13,80,375
5,00,000
35,943
-35,943
13,50,959
12,42,000
31/03/33
55
6,75,000
5,00,000
13,80,375
13,80,375
2,03,445
1,83,000
31/03/34
56
6,75,000
5,00,000
2,12,827
1,91,500
31/03/35
57
6,75,000
5,00,000
2,22,412
2,00,250
31/03/36
58
6,75,000
5,00,000
2,32,200
2,09,000
31/03/37
59
6,75,000
5,00,000
2,42,122
2,18,000
31/03/38
60
6,75,000
5,00,000
2,52,180
2,27,000
31/03/39
61
6,75,000
5,00,000
2,62,440
2,36,250
31/03/40
62
6,75,000
5,00,000
2,72,700
2,45,500
31/03/41
63
6,75,000
5,00,000
2,83,094
2,54,750
31/03/42
64
6,75,000
5,00,000
2,93,557
2,64,250
31/03/43
65
6,75,000
5,00,000
3,04,087
2,73,750
31/03/44
66
6,75,000
5,00,000
3,14,684
2,83,250
31/03/45
67
6,75,000
5,00,000
3,25,215
2,92,750
31/03/46
68
6,75,000
5,00,000
3,35,745
3,02,250
31/03/47
69
6,75,000
5,00,000
3,46,274
3,11,750
31/03/48
70
6,75,000
3,56,737
3,21,000
31/03/49
71
6,75,000
3,67,132
3,30,500
31/03/50
72
6,75,000
3,77,459
3,39,750
31/03/51
73
6,75,000
3,87,652
3,49,000
31/03/52
74
6,75,000
3,97,709
3,58,000
31/03/53
75
6,75,000
4,07,565
3,66,750
31/03/54
76
6,75,000
4,17,285
3,75,500
31/03/55
77
6,75,000
4,26,870
3,84,250
31/03/56
78
6,75,000
4,36,185
3,92,500
31/03/57
79
6,75,000
4,45,365
4,00,750
31/03/58
80
6,75,000
4,54,275
4,08,750
Disclaimer:
GHAN SHYAM SETHI

Tel: 4060 1000 Fax:4060 1226.

Fin. Year
Ending
Risk Cover
(Natural Death)
Age
Ref. No. 5
Additional Cover
Accident
Crit. Ill.
PWB
For the Year

Returns
Premium
Cash Flow
Cash
Value
Loan
Available
4,16,500
31/03/59
81
6,75,000
4,62,915
31/03/60
82
6,75,000
4,71,352
4,24,250
31/03/61
83
6,75,000
4,79,520
4,31,500
31/03/62
84
6,75,000
4,87,417
4,38,750
31/03/63
85
6,75,000
4,95,112
4,45,500
31/03/64
86
6,75,000
5,02,470
4,52,250
31/03/65
87
6,75,000
5,09,625
4,58,750
31/03/66
88
6,75,000
5,16,509
4,64,750
31/03/67
89
6,75,000
5,23,395
4,71,000
31/03/68
90
6,75,000
5,30,009
4,77,000
31/03/69
91
6,75,000
5,36,759
4,83,000
31/03/70
92
6,75,000
5,43,442
4,89,000
31/03/71
93
6,75,000
5,50,327
4,95,250
31/03/72
94
6,75,000
5,59,102
5,03,250
31/03/73
95
6,75,000
5,66,797
5,10,000
31/03/74
96
6,75,000
5,81,377
5,23,250
31/03/75
97
6,75,000
5,95,619
5,36,000
31/03/76
98
6,75,000
6,28,424
5,65,500
31/03/77
99
6,75,000
6,51,712
5,86,500
05/07/77
100
6,75,000
6,51,712
6,51,712
7,54,803
20,32,087
12,77,284
Yield on Investments (Pre Tax) : 5.53 %

K e y
A s
u m p t
o n s
Personal Data:
DOB: 27/10/1977
Income Tax:
Sec. 80CCE Limit Available: 100000

Sec. 80D Limit Available: 10000
Tax Savings on premiums will be @ 30.90 % u/s 80CCE and @ 30.90 % u/s 80D
Projections
Bonus: On applicable plans, Forecasted Bonus has been considered for the purpose of projected Riskcover, Returns, Cash Value
and Loan calculations
Terminal Bonus: On applicable plans Terminal Bonus has been considered (On applicable plans last declared Terminal Bonus
Rates have been considered in the above calculations).
Loyalty Addition: Loyalty Addition has been considered on applicable plans, on the basis of indicative rates given by LIC or is
based on consistent return of 10.00 %
Disclaimer:
GHAN SHYAM SETHI

Tel: 4060 1000 Fax:4060 1226.
Ref. No. 5
Premium Breakup & Tax Implication (for the year)

Premium Breakup
Fin. Year
Ending
Basic
Term
Rider
DAB
Critical
Illness
31/03/12
35,943
31/03/13
35,943
31/03/14
35,943
31/03/15
35,943
31/03/16
35,943
31/03/17
u/s 80 CCE
PWB
Other
Rider
35,943
31/03/18
35,943
31/03/19
u/s 80 D
Total
Eligible
Amount
Tax Ben.
@30.9%
Eligible
Amount
Tax Ben.
@30.9%
Total
Benefit
35,943
35,943
11,106
11,106
35,943
35,943
11,106
11,106
35,943
35,943
11,106
11,106
35,943
35,943
11,106
11,106
35,943
35,943
11,106
11,106
35,943
35,943
11,106
11,106
35,943
35,943
11,106
11,106
35,943
35,943
35,943
11,106
11,106
31/03/20
35,943
35,943
35,943
11,106
11,106
31/03/21
35,943
35,943
35,943
11,106
11,106
31/03/22
35,943
35,943
35,943
11,106
11,106
31/03/23
35,943
35,943
35,943
11,106
11,106
31/03/24
35,943
35,943
35,943
11,106
11,106
31/03/25
35,943
35,943
35,943
11,106
11,106
31/03/26
35,943
35,943
35,943
11,106
11,106
31/03/27
35,943
35,943
35,943
11,106
11,106
31/03/28
35,943
35,943
35,943
11,106
11,106
31/03/29
35,943
35,943
35,943
11,106
11,106
31/03/30
35,943
35,943
35,943
11,106
11,106
31/03/31
35,943
35,943
35,943
11,106
11,106
31/03/32
35,943
35,943
35,943
11,106
11,106
7,54,803
7,54,803
7,54,803
2,33,226
2,33,226
Feb
Mar
Yield on Investments (Post Tax) : 8.26 %
Premium Calendar
Id
1
Apr
May
Jun
Jul
35,943
35,943
Aug
-
Sep
Oct
Nov
Dec
Jan
Annual Premium :
Disclaimer:
35,943
GHAN SHYAM SETHI

Tel: 4060 1000 Fax:4060 1226.
Ref. No. 5
Innovative Forecast of Insurance Benefits

Fin. Year
Ending
Age
Risk Cover
Critical Ill.
PWB
Payment
Returns
Cash Flow
Cash
Value
Loan
Available
31/03/12
34
7,05,375
31/03/13
35
7,35,750
5,00,000
35,943
-35,943
5,00,000
35,943
-35,943
31/03/14
36
7,66,125
5,00,000
35,943
-35,943
31,192
28,000
31/03/15
31/03/16
37
7,96,500
5,00,000
35,943
-35,943
69,395
62,500
38
8,26,875
5,00,000
35,943
-35,943
95,644
86,000
31/03/17
39
8,57,250
5,00,000
35,943
-35,943
1,25,499
1,13,000
31/03/18
40
8,87,625
5,00,000
35,943
-35,943
1,59,419
1,43,500
31/03/19
41
9,18,000
5,00,000
35,943
-35,943
1,97,853
1,78,000
31/03/20
42
9,48,375
5,00,000
35,943
-35,943
2,42,588
2,18,250
31/03/21
43
9,78,750
5,00,000
35,943
-35,943
2,91,842
2,62,750
31/03/22
44
10,09,125
5,00,000
35,943
-35,943
3,47,324
3,12,500
31/03/23
45
10,39,500
5,00,000
35,943
-35,943
4,06,846
3,66,250
31/03/24
46
10,69,875
5,00,000
35,943
-35,943
4,70,721
4,23,750
31/03/25
47
11,00,250
5,00,000
35,943
-35,943
5,42,637
4,88,250
31/03/26
48
11,44,125
5,00,000
35,943
-35,943
6,24,123
5,61,750
31/03/27
49
11,77,875
5,00,000
35,943
-35,943
7,16,635
6,45,000
31/03/28
50
12,11,625
5,00,000
35,943
-35,943
8,24,964
7,42,500
31/03/29
51
12,45,375
5,00,000
35,943
-35,943
9,50,879
8,55,750
31/03/30
52
12,85,875
5,00,000
35,943
-35,943
10,92,809
9,83,500
31/03/31
53
13,29,750
5,00,000
35,943
-35,943
12,52,745
11,27,500
31/03/32
54
13,80,375
5,00,000
35,943
-35,943
13,50,959
12,42,000
31/03/33
55
6,75,000
5,00,000
13,80,375
13,80,375
2,03,445
1,83,000
31/03/34
56
6,75,000
5,00,000
2,12,827
1,91,500
31/03/35
57
6,75,000
5,00,000
2,22,412
2,00,250
31/03/36
58
6,75,000
5,00,000
2,32,200
2,09,000
31/03/37
59
6,75,000
5,00,000
2,42,122
2,18,000
31/03/38
60
6,75,000
5,00,000
2,52,180
2,27,000
31/03/39
61
6,75,000
5,00,000
2,62,440
2,36,250
31/03/40
62
6,75,000
5,00,000
2,72,700
2,45,500
31/03/41
63
6,75,000
5,00,000
2,83,094
2,54,750
31/03/42
64
6,75,000
5,00,000
2,93,557
2,64,250
31/03/43
65
6,75,000
5,00,000
3,04,087
2,73,750
31/03/44
66
6,75,000
5,00,000
3,14,684
2,83,250
31/03/45
67
6,75,000
5,00,000
3,25,215
2,92,750
31/03/46
68
6,75,000
5,00,000
3,35,745
3,02,250
31/03/47
69
6,75,000
5,00,000
3,46,274
3,11,750
31/03/48
70
6,75,000
3,56,737
3,21,000
31/03/49
71
6,75,000
3,67,132
3,30,500
31/03/50
72
6,75,000
3,77,459
3,39,750
31/03/51
73
6,75,000
3,87,652
3,49,000
31/03/52
74
6,75,000
3,97,709
3,58,000
31/03/53
75
6,75,000
4,07,565
3,66,750
31/03/54
76
6,75,000
4,17,285
3,75,500
31/03/55
77
6,75,000
4,26,870
3,84,250
31/03/56
78
6,75,000
4,36,185
3,92,500
31/03/57
79
6,75,000
4,45,365
4,00,750
31/03/58
80
6,75,000
4,54,275
4,08,750
Disclaimer:
(Natural Death)
Additional Cover
Accident
For the Year
GHAN SHYAM SETHI

Tel: 4060 1000 Fax:4060 1226.

Fin. Year
Ending
Risk Cover
(Natural Death)
Age
Ref. No. 5
Additional Cover
Accident
Critical Ill.
For the Year

PWB
Payment
Returns
Cash Flow
Cash
Value
Loan
Available
4,16,500
31/03/59
81
6,75,000
4,62,915
31/03/60
82
6,75,000
4,71,352
4,24,250
31/03/61
83
6,75,000
4,79,520
4,31,500
31/03/62
84
6,75,000
4,87,417
4,38,750
31/03/63
85
6,75,000
4,95,112
4,45,500
31/03/64
86
6,75,000
5,02,470
4,52,250
31/03/65
87
6,75,000
5,09,625
4,58,750
31/03/66
88
6,75,000
5,16,509
4,64,750
31/03/67
89
6,75,000
5,23,395
4,71,000
31/03/68
90
6,75,000
5,30,009
4,77,000
31/03/69
91
6,75,000
5,36,759
4,83,000
31/03/70
92
6,75,000
5,43,442
4,89,000
31/03/71
93
6,75,000
5,50,327
4,95,250
31/03/72
94
6,75,000
5,59,102
5,03,250
31/03/73
95
6,75,000
5,66,797
5,10,000
31/03/74
96
6,75,000
5,81,377
5,23,250
31/03/75
97
6,75,000
5,95,619
5,36,000
31/03/76
98
6,75,000
6,28,424
5,65,500
31/03/77
99
6,75,000
6,51,712
5,86,500
05/07/77
100
6,75,000
6,51,712
6,51,712
7,54,803
20,32,087
12,77,284
Explanatory Notes
Payment to L.I.C. indicates Annual Premium and /or Advance Premiums
Returns in the Year indicates Normal Cash Flow and /or Cash Flow taken from L.I.C. in installments (Inclusive of Interest).
Yield on Investments (Pre Tax) : 5.53 %
Disclaimer:

"Insure & Be Secure": Mr. Surrender

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"Insure & Be Secure": Mr. Surrender

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"Insure & be secure"

A presentation specially compiled for

GHAN SHYAM SETHI

GHAN SHYAM SETHI

Magic Mix Illustration for Mr. Surrender (age 34)

Com.Date Plan Name

Modewise Summary of Installment Premiums

Medical Requirement Details

GHAN SHYAM SETHI

Magic Mix Illustration for Mr. Surrender (age 34)

Forecast of Insurance Benefits

For the Year

GHAN SHYAM SETHI

Magic Mix Illustration for Mr. Surrender (age 34)

For the Year

Yield on Investments (Pre Tax) : 5.53 %

Sec. 80CCE Limit Available: 100000

GHAN SHYAM SETHI

Magic Mix Illustration for Mr. Surrender (age 34)

Premium Breakup & Tax Implication (for the year)

Yield on Investments (Post Tax) : 8.26 %

GHAN SHYAM SETHI

Magic Mix Illustration for Mr. Surrender (age 34)

Innovative Forecast of Insurance Benefits

For the Year

GHAN SHYAM SETHI

Magic Mix Illustration for Mr. Surrender (age 34)

For the Year

Yield on Investments (Pre Tax) : 5.53 %

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