LIC's Jeevan Labh (Plan No.

936)

Benefit Illustration

LIC's Jeevan Labh (Plan No. 936)

A Non-Linked, Participating, Individual, Life Assurance Savings Plan
(Unique Identification Number - 512N304V02)

Distribution channel Offline Agency name Agency code

Name of prospect Aatish Singh Age of prospect 25 years Date of illustration 15-11-2022
Name of life assured Aatish Singh Age of life assured 25 years Benefit UID/Proposal no. 221115104006296268
Mode of payment of
Policy term 25 years Premium paying term 16 years Yearly
premium
Sum assured on death Instalment premium
Annualized premium 13,00,000 13,00,000 56,845.00
(at inception of the policy) Rs. (for base plan)

Bonus type Simple reversionary and final additional bonus

How to read and understand this benefit illustration?

This benefit illustration is intended to show year-wise premiums payable and benefits under the policy, at two assumed rates of interest i.e., 8% p.a. and 4% p.a.

Some benefits are guaranteed and some benefits are variable with returns based on the future performance of your insurer carrying on life insurance business. If your policy
offers guaranteed benefits then these will be clearly marked 'guaranteed' in the illustration table on this page. If your policy offers variable benefits then the illustrations on this
page will show two different rates of assumed future investment returns, of 8% p.a. and 4% p.a. These assumed rates of return are not guaranteed and they are not the upper
or lower limits of what you might get back, as the value of your policy is dependent on a number of factors including future investment performance.

Premium summary
Particular Base plan Riders1 Total instalment premium
Instalment premium without GST 56,845.00 56,845.00
Instalment premium with GST @ 4.50% (1st year) 59,403.00 59,403.00
Instalment premium with GST @ 2.25% (2nd year onwards) 58,124.01 58,124.01
GST rate shall be as applicable from time to time

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 LIC's Jeevan Labh (Plan No. 936)

(Amount in rupees)

Total benefits (including guaranteed and non-guaranteed benefits)

Non-guaranteed benefits Non-guaranteed benefits
Guaranteed benefits @ 4% p.a. @ 8% p.a.
Maturity benefit Death benefit3 Surrender benefit4
Annualized Maturity Maturity Death Death
Policy year premium2 benefit, incl. benefit, incl. benefit, incl. benefit, incl.
(cumulative) of final of final of final of final Surrender Surrender
Surrender Death Maturity Reversionar Surrender Reversionar Surrender additional additional additional additional benefit @ benefit @
benefit benefit benefit y bonus benefit y bonus benefit bonus bonus bonus bonus 4% (3+7) 8% (3+9)
(FAB), if (FAB), if (FAB), if (FAB), if
any, @ 4% any, @ 8% any, @ 4% any, @ 8%
(5+6+FAB) (5+8+FAB) (4+6+FAB) (4+8+FAB)
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15)

1 56845 0 1300000 0 5200 0 39000 0 0 0 1305200 1339000 0 0

2 113690 34107 1300000 0 10400 0 78000 0 0 0 1310400 1378000 34107 34107

3 170535 59687 1300000 0 15600 2384 117000 17878 0 0 1315600 1417000 62071 77565

4 227380 113690 1300000 0 20800 3207 156000 24055 0 0 1320800 1456000 116897 137745

5 284225 142113 1300000 0 26000 4043 195000 30323 0 0 1326000 1495000 146156 172436

6 341070 170535 1300000 0 31200 4905 234000 36785 0 0 1331200 1534000 175440 207320

7 397915 198958 1300000 0 36400 5799 273000 43489 0 0 1336400 1573000 204757 242447

8 454760 235566 1300000 0 41600 6748 312000 50606 0 0 1341600 1612000 242314 286172

9 511605 273709 1300000 0 46800 7759 351000 58196 0 0 1346800 1651000 281468 331905

10 568450 314353 1300000 0 52000 8856 390000 66417 0 0 1352000 1690000 323209 380770

11 625295 357043 1300000 0 57200 10056 429000 75418 0 0 1357200 1729000 367099 432461

12 682140 401098 1300000 0 62400 10970 468000 82274 0 0 1362400 1768000 412068 483372

13 738985 447825 1300000 0 67600 11938 507000 89536 0 0 1367600 1807000 459763 537361

14 795830 496598 1300000 0 72800 12995 546000 97461 0 0 1372800 1846000 509593 594059

15 852675 546565 1300000 0 78000 14165 585000 106236 0 0 1378000 1891500 560730 652801

16 909520 599374 1300000 0 83200 15475 624000 116064 0 0 1383200 1930500 614849 715438

17 909520 614836 1300000 0 88400 16955 663000 127163 0 0 1388400 1976000 631791 741999

18 909520 631207 1300000 0 93600 18654 702000 139909 0 0 1393600 2021500 649861 771116

19 909520 647578 1300000 0 98800 20600 741000 154499 0 0 1398800 2067000 668178 802077

20 909520 663040 1300000 0 104000 22870 780000 171522 0 0 1404000 2112500 685910 834562

21 909520 679411 1300000 0 109200 25531 819000 191482 0 0 1409200 2158000 704942 870893

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 LIC's Jeevan Labh (Plan No. 936)

(Amount in rupees)

Total benefits (including guaranteed and non-guaranteed benefits)

Non-guaranteed benefits Non-guaranteed benefits
Guaranteed benefits @ 4% p.a. @ 8% p.a.
Maturity benefit Death benefit3 Surrender benefit4
Annualized Maturity Maturity Death Death
Policy year premium2 benefit, incl. benefit, incl. benefit, incl. benefit, incl.
(cumulative) of final of final of final of final Surrender Surrender
Surrender Death Maturity Reversionar Surrender Reversionar Surrender additional additional additional additional benefit @ benefit @
benefit benefit benefit y bonus benefit y bonus benefit bonus bonus bonus bonus 4% (3+7) 8% (3+9)
(FAB), if (FAB), if (FAB), if (FAB), if
any, @ 4% any, @ 8% any, @ 4% any, @ 8%
(5+6+FAB) (5+8+FAB) (4+6+FAB) (4+8+FAB)
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15)

22 909520 695783 1300000 0 114400 28657 858000 214929 0 0 1414400 2216500 724440 910712

23 909520 711245 1300000 0 119600 32364 897000 242728 0 0 1419600 2275000 743609 953973

24 909520 818568 1300000 0 124800 37440 936000 280800 0 0 1424800 2333500 856008 1099368

25 909520 818568 1300000 1300000 130000 45500 975000 341250 1430000 2405000 1430000 2405000 864068 1159818

Notes:

The main objective of the illustration is that the client is able to appreciate the features of the products and the flow of the benefit in different circumstances with some level of
quantification.
This illustration is applicable to a standard (from medical, life style and occupation point of view) life.

1. It includes rider(s) premiums in respect of all the rider(s) opted by the proposer/policyholder at inception of the policy.
2. Annualized premium excludes underwriting extra premium, frequency loadings on premiums, the premiums paid towards the riders, if any, and goods & service tax. Refer
sales literature for explanation of terms used in this illustration.
3. In any case, the total death benefit at any time shall not be less than 105% of the total premiums paid (excluding GST, extra premium and rider premiums, if any).
4. Special surrender value may however be payable, if it is more favourable to the policyholder.

I, ________________________________________ (name), having received

I, ________________________________________ (name), have explained the information with respect to the above, have understood the above statement
the premiums and benefits under the policy fully to the prospect/policyholder. before entering into the contract.
Place : Place :
Date : Signature of agent/intermediary/official Date : Signature of prospect/policyholder

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