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Harish Chand

Delhi LIC Agent


577, GH-9, PASCHIM VIHAR
NEW DELHI- 110087
INDIA, 9811896425, 9212201725
www.delhiLICagent.com

Jeevan Saral Plan Presentation For Himanshu Arora


Date : 16/12/2010
HIGHLIGHTS

LICs Jeevan Saral is a unique plan having good features of the conventional plans and
the flexibility of unit linked plans. To the policyholder it provides
higher cover

a smooth return,
liquidity and
a lot of flexibility

BENEFITS:
On death:
250 times the monthly premium, plus

return of premiums excluding extra/rider premium and

plus
the loyalty addition, if any.

first year premium,

On Maturity:
Maturity sum assured, plus

The Loyalty Additions, if any

Special Features:
High risk cover at low premium

Extended risk cover for one year after 3 years premium payment.
Optional higher cover through Term Riders
The policyholder can choose a maximum term but can surrender at any time
without any surrender penalty or loss after 5 years
Any number of withdrawals through partial surrendering

ELIGIBILITY CONDITIONS AND OTHER RESTRICTIONS:

Age at entry

: Minimum 12 (completed) and maximum 60 years nearest

Age at maturity: Maximum 70 years.


Term

: All terms from 10 to 35 years.

Premium

: Minimum premium of Rs.250/- per month for entry age

Mode

upto 49 years and Rs.400/- per month for entry age 50


years and above. There will be no limit on the maximum
premium per month.
: Yearly, Half-yearly, Quarterly and Monthly under Salary
Saving Scheme

In case of term rider, minimum and maximum age at entry will be 18 and 50 years
respectively. Further minimum sum assured will be Rs.1 lakh.

The above statement is based on certain assumptions which are


liable to change according to Government/Corporation's policies.

Harish Chand
Delhi LIC Agent
577, GH-9, PASCHIM VIHAR
NEW DELHI- 110087
INDIA, 9811896425, 9212201725
www.delhiLICagent.com

Jeevan Saral Plan Presentation For Himanshu Arora


Pg. 2

Jeevan Saral Plan Continued ...

Name
Mr.:Himanshu Arora

Age : 25 years

Term
:
21 Years

Mode : Monthly

Premium Budget p. m. : 2000

Installment Premium : 2000


Term Rider Premium : 0

Term Rider : 0
DAB : 500000

DAB Premium : 42

Total Installment Premium : 2042

Total Annual Premium : 24504

Section 80 CCE Invst. Limit : 100000

Section 80 CCE Tax Savings : 33.99 %

Risk Cover Benefits

DEATH BENEFIT
Total

Variable
Year Age
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
2027
2028
2029
2030

25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45

Annual
Premium

Tax
Saved

Nett
Premium

Total
Premium Paid

Guaranteed

Scenario1

Scenario2

Scenario1

Scenario2

24504
24504
24504
24504
24504
24504
24504
24504
24504
24504
24504
24504
24504
24504
24504
24504
24504
24504
24504
24504
24504

8329
8329
8329
8329
8329
8329
8329
8329
8329
8329
8329
8329
8329
8329
8329
8329
8329
8329
8329
8329
8329

16175
16175
16175
16175
16175
16175
16175
16175
16175
16175
16175
16175
16175
16175
16175
16175
16175
16175
16175
16175
16175

16175
32350
48525
64700
80875
97050
113225
129400
145575
161750
177925
194100
210275
226450
242625
258800
274975
291150
307325
323500
339675

500000
524000
548000
572000
596000
620000
644000
668000
692000
716000
740000
764000
788000
812000
836000
860000
884000
908000
932000
956000
980000

0
0
0
0
0
0
0
0
0
79368
89931
102654
115965
129341
142307
165059
190563
219057
250770
285964
325455

0
0
0
0
0
0
0
0
0
156255
187443
224493
266302
312868
364297
431429
507946
594881
693345
804580
930486

500000
524000
548000
572000
596000
620000
644000
668000
692000
795368
829931
866654
903965
941341
978307
1025059
1074563
1127057
1182770
1241964
1305455

500000
524000
548000
572000
596000
620000
644000
668000
692000
872255
927443
988493
1054302
1124868
1200297
1291429
1391946
1502881
1625345
1760580
1910486

514584

174909

339675

Note : The figures in columns Scenario 1 and Scenario 2 above are non-guaranteed. They are estimated on the assumption of
LICs projected investment rate of return of 6% and 10% respectively on the investible portion of the premium.
90% of the premium is estimated as average investible portion in this Illustration.

The above statement is based on certain assumptions which are


liable to change according to Government/Corporation's policies.

Harish Chand
Delhi LIC Agent
577, GH-9, PASCHIM VIHAR
NEW DELHI- 110087
INDIA, 9811896425, 9212201725
www.delhiLICagent.com

Jeevan Saral Plan Presentation For Himanshu Arora


Pg. 3

Jeevan Saral Plan Continued ...

Name
Mr.:Himanshu Arora

Age : 25 years

Term
:
21 Years

Mode : Monthly

Premium Budget p. m. : 2000

Installment Premium : 2000


Term Rider Premium : 0

Term Rider : 0
DAB : 500000

DAB Premium : 42

Total Installment Premium : 2042

Total Annual Premium : 24504

Section 80 CCE Invst. Limit : 100000

Section 80 CCE Tax Savings : 33.99 %

Maturity / Surrender Value Benefits

MATURITY / SURRENDER VALUE BENEFIT


Total

Variable
Tax
Saved

Nett
Premium

Total
Premium Paid

Guaranteed

Scenario1

Scenario2

Scenario1

Scenario2

16175
32350
48525
64700
80875
97050
113225
129400
145575
161750
177925
194100
210275
226450
242625
258800
274975
291150
307325
323500
339675

0
0
41056
65700
94740
117960
142140
167400
194060
222420
252860
283600
316360
351820
390620
422740
455400
488560
522200
556280
590220

0
0
0
0
0
0
0
0
0
79368
89931
102654
115965
129341
142307
165059
190563
219057
250770
285964
325455

0
0
0
0
0
0
0
0
0
156255
187443
224493
266302
312868
364297
431429
507946
594881
693345
804580
930486

0
0
41056
65700
94740
117960
142140
167400
194060
301788
342791
386254
432325
481161
532927
587799
645963
707617
772970
842244
915675

0
0
41056
65700
94740
117960
142140
167400
194060
378675
440303
508093
582662
664688
754917
854169
963346
1083441
1215545
1360860
1520706

Year

Age

Annual
Premium

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
2027
2028
2029
2030

25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45

24504
24504
24504
24504
24504
24504
24504
24504
24504
24504
24504
24504
24504
24504
24504
24504
24504
24504
24504
24504
24504

8329
8329
8329
8329
8329
8329
8329
8329
8329
8329
8329
8329
8329
8329
8329
8329
8329
8329
8329
8329
8329

16175
16175
16175
16175
16175
16175
16175
16175
16175
16175
16175
16175
16175
16175
16175
16175
16175
16175
16175
16175
16175

514584

174909

339675

Note : The figures in columns Scenario 1 and Scenario 2 above are non-guaranteed. They are estimated on the assumption of
LICs projected investment rate of return of 6% and 10% respectively on the investible portion of the premium.
90% of the premium is estimated as average investible portion in this Illustration.

The above statement is based on certain assumptions which are


liable to change according to Government/Corporation's policies.