Jeevan Utsav

( Plan No: 871)

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Plan presentation customised for...

Mr. s
Age: 25

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Sum Assured : 500000 AD and DB Rider Cover : 500000 #1

Premium Payment : 16 years. Critical Illness Rider Cover : 500000

Deferment Period : 3 years. Term Rider Cover : 500000

LIC's Jeevan Utsav, is a versatile life insurance policy offering lifelong income and
risk cover, with flexible premium payment terms from 5 to 16 years. It features
Guaranteed Additions and allows policyholders to select between Regular and Flexi
Income Benefits post-premium payment term, ensuring financial flexibility and
security.

The plan provides a robust life cover, with the death benefit comprising the higher of
the Basic Sum Assured or 7 times the annualized premium, also ensuring it's at
least 105% of all paid premiums. Policyholders can also enhance their coverage
with optional riders and avail loans for additional liquidity.

When opting for the Flexi Income Benefit, the policyholder is entitled to receive
compounded interest at 5.5% on the remaining amount with LIC. Thus LIC's Jeevan
Utsav is an attractive option for those seeking a balanced combination of savings,
security, and income continuity in their insurance portfolio.
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#1 Accidental Death and Disability Benefit rider

 Benefit Pattern Illustration

(1020000 to 1320000)

When needed

Rs.36878

Age: 25 Age: 41 Age: 44 Age: 100

Rs. 50,000

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 Critical Illness Rider-CIR

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Source: WHO, World life expectancy
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Critical Illness Rider Sum 500000
Assured:
1. Cancer of 9. Aortic
Specified Severity Surgery
2. Open Chest 10. Alzheimer's Disease
CABG /Dementia
3. Myocardial 11. Blindness
Infraction
4. Kidney Failure 12. Third degree burns
(Requiring dialysis)
5. Major organ/Bone 13. Heart valve repair
marrow transplant /replacement
6. Stroke with 14. Benign Brain Tumor
permanent symptoms
7. Permanent paralysis 15. Primary
of limbs (Idiopathic)
Pulmonary Hypertension
8. Multiple sclerosis
If any of the above mentioned diseases occurs during the coverage period a lump-
sum amount equal to Rs. 500000 will be paid
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Benefits Amount
Sum Assured 5,00,000
Guaranteed Additions (20000 X 16) 3,20,000
Life Long Income(10% of PaidUp 50,000
SA(500000))
Deferment period 3 years
Income Starting After
(Age 44) 19 years
Total premium paid: 5,78,138
Guaranteed additions at the rate of 40 per 1000 sum assured shall be available during the premium paying period
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Age Yearly Normal Accident Returns Option Loan Cash Value
Premium Coverage Coverage 1
25 36878 1020000 1520000 0 0 0
26 36084 1040000 1540000 0 13500 18000
27 36084 1060000 1560000 0 24525 32700
28 36084 1080000 1580000 0 46818 62424
29 36084 1100000 1600000 0 59295 79060
30 36084 1120000 1620000 0 80234 106979
31 36084 1140000 1640000 0 107006 142674
32 36084 1160000 1660000 0 137606 183475
33 36084 1180000 1680000 0 172034 229379
34 36084 1200000 1700000 0 210330 280440
35 36084 1220000 1720000 0 240707 320942
36 36084 1240000 1740000 0 272968 363957
37 36084 1260000 1760000 0 307307 409743
38 36084 1280000 1780000 0 343862 458482
39 36084 1300000 1800000 0 382838 510450
40 36084 1320000 1820000 0 424288 565717
41 0 1320000 1320000 0 450917 601223
42 0 1320000 1320000 0 479331 639108
43 0 1320000 1320000 0 479823 639764
44 0 1320000 1320000 50000 262500 640420
45 0 1320000 1320000 50000 262500 641076
46 0 1320000 1320000 50000 262500 641731
47 0 1320000 1320000 50000 262500 642388
48 0 1320000 1320000 50000 262500 643044
49 0 1320000 1320000 50000 262500 643700
50 0 1320000 1320000 50000 262500 644356
51 0 1320000 1320000 50000 262500 645012
Age Yearly Normal Accident Returns Option Loan Cash Value
Premium Coverage Coverage 1
52 0 1320000 1320000 50000 262500 645586
53 0 1320000 1320000 50000 262500 646160
54 0 1320000 1320000 50000 262500 646733
55 0 1320000 1320000 50000 262500 647226
56 0 1320000 1320000 50000 262500 647718
57 0 1320000 1320000 50000 262500 648210
58 0 1320000 1320000 50000 262500 648620
59 0 1320000 1320000 50000 262500 648948
60 0 1320000 1320000 50000 262500 649275
61 0 1320000 1320000 50000 262500 649604
62 0 1320000 1320000 50000 262500 649850
63 0 1320000 1320000 50000 262500 650014
64 0 1320000 1320000 50000 262500 650178
65 0 1320000 1320000 50000 262500 650342
66 0 1320000 1320000 50000 262500 650424
67 0 1320000 1320000 50000 262500 650506
68 0 1320000 1320000 50000 262500 650588
69 0 1320000 1320000 50000 262500 650669
70 0 1320000 1320000 50000 262500 650752
71 0 1320000 1320000 50000 262500 650833
72 0 1320000 1320000 50000 262500 650915
73 0 1320000 1320000 50000 262500 650998
74 0 1320000 1320000 50000 262500 651080
75 0 1320000 1320000 50000 262500 651162
76 0 1320000 1320000 50000 262500 651244
77 0 1320000 1320000 50000 262500 651326
78 0 1320000 1320000 50000 262500 651408
79 0 1320000 1320000 50000 262500 651490
80 0 1320000 1320000 50000 262500 651571
81 0 1320000 1320000 50000 262500 651654
82 0 1320000 1320000 50000 262500 651735
83 0 1320000 1320000 50000 262500 651818
84 0 1320000 1320000 50000 262500 651900
85 0 1320000 1320000 50000 262500 651982
86 0 1320000 1320000 50000 262500 652064
87 0 1320000 1320000 50000 262500 652146
88 0 1320000 1320000 50000 262500 652228
89 0 1320000 1320000 50000 262500 652310
90 0 1320000 1320000 50000 262500 652392
91 0 1320000 1320000 50000 262500 652473
92 0 1320000 1320000 50000 262500 652556
93 0 1320000 1320000 50000 262500 652638
94 0 1320000 1320000 50000 262500 652720
95 0 1320000 1320000 50000 262500 652802
96 0 1320000 1320000 50000 262500 652884
97 0 1320000 1320000 50000 262500 652965
 Age Yearly Normal Accident Returns Option Loan Cash Value
Premium Coverage Coverage 1
98 0 1320000 1320000 50000 262500 653048
99 0 1320000 1320000 50000 262500 653130
100 0 1320000 1320000 50000 262500 653212
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Age Yearly Normal Accident Annual Accum: Drawable Withdrawal After Cash Value
Premium Cover Cover Returns Amount amount Amount Withdrawal
25 36878 1020000 1520000 0 0 0 0 0 0
26 36084 1040000 1540000 0 0 0 0 0 18000
27 36084 1060000 1560000 0 0 0 0 0 32700
28 36084 1080000 1580000 0 0 0 0 0 62424
29 36084 1100000 1600000 0 0 0 0 0 79060
30 36084 1120000 1620000 0 0 0 0 0 106979
31 36084 1140000 1640000 0 0 0 0 0 142674
32 36084 1160000 1660000 0 0 0 0 0 183475
33 36084 1180000 1680000 0 0 0 0 0 229379
34 36084 1200000 1700000 0 0 0 0 0 280440
35 36084 1220000 1720000 0 0 0 0 0 320942
36 36084 1240000 1740000 0 0 0 0 0 363957
37 36084 1260000 1760000 0 0 0 0 0 409743
38 36084 1280000 1780000 0 0 0 0 0 458482
39 36084 1300000 1800000 0 0 0 0 0 510450
40 36084 1320000 1820000 0 0 0 0 0 565717
41 0 1320000 1320000 0 0 0 0 0 601223
42 0 1320000 1320000 0 0 0 0 0 639108
43 0 1320000 1320000 0 0 0 0 0 639764
44 0 1320000 1320000 50000 50000 37500 0 50000 690420
45 0 1320000 1320000 50000 102750 77062 0 102750 743826
46 0 1320000 1320000 50000 158401 118800 0 158401 800132
47 0 1320000 1320000 50000 217113 162834 0 217113 859501
48 0 1320000 1320000 50000 279054 209290 0 279054 922098
49 0 1320000 1320000 50000 344402 258301 0 344402 988102
50 0 1320000 1320000 50000 413344 310008 0 413344 1057700
51 0 1320000 1320000 50000 486078 364558 0 486078 1131090
52 0 1320000 1320000 50000 562812 422109 0 562812 1208398
53 0 1320000 1320000 50000 643767 482825 0 643767 1289927
54 0 1320000 1320000 50000 729174 546880 0 729174 1375907
55 0 1320000 1320000 50000 819279 614459 0 819279 1466505
56 0 1320000 1320000 50000 914339 685754 0 914339 1562057
57 0 1320000 1320000 50000 1014628 760971 0 1014628 1662838
58 0 1320000 1320000 50000 1120433 840324 0 1120433 1769053
59 0 1320000 1320000 50000 1232057 924042 0 1232057 1881005
60 0 1320000 1320000 50000 1349820 1012365 0 1349820 1999095
61 0 1320000 1320000 50000 1474060 1105545 0 1474060 2123664
62 0 1320000 1320000 50000 1605133 1203849 0 1605133 2254983
63 0 1320000 1320000 50000 1743415 1307561 0 1743415 2393429
64 0 1320000 1320000 50000 1889303 1416977 0 1889303 2539481
65 0 1320000 1320000 50000 2043215 1532411 0 2043215 2693557
66 0 1320000 1320000 50000 2205592 1654194 0 2205592 2856016
67 0 1320000 1320000 50000 2376900 1782675 0 2376900 3027406
68 0 1320000 1320000 50000 2557630 1918222 0 2557630 3208218
69 0 1320000 1320000 50000 2748300 2061225 0 2748300 3398969
70 0 1320000 1320000 50000 2949457 2212092 0 2949457 3600209
Age Yearly Normal Accident Annual Accum: Drawable Withdrawal After Cash Value
Premium Cover Cover Returns Amount amount Amount Withdrawal
71 0 1320000 1320000 50000 3161677 2371257 0 3161677 3812510
72 0 1320000 1320000 50000 3385569 2539176 0 3385569 4036484
73 0 1320000 1320000 50000 3621775 2716331 0 3621775 4272773
74 0 1320000 1320000 50000 3870973 2903229 0 3870973 4522053
75 0 1320000 1320000 50000 4133877 3100407 0 4133877 4785039
76 0 1320000 1320000 50000 4411240 3308430 0 4411240 5062484
77 0 1320000 1320000 50000 4703858 3527893 0 4703858 5355184
78 0 1320000 1320000 50000 5012570 3759427 0 5012570 5663978
79 0 1320000 1320000 50000 5338261 4003695 0 5338261 5989751
80 0 1320000 1320000 50000 5681865 4261398 0 5681865 6333436
81 0 1320000 1320000 50000 6044368 4533276 0 6044368 6696022
82 0 1320000 1320000 50000 6426808 4820106 0 6426808 7078543
83 0 1320000 1320000 50000 6830282 5122711 0 6830282 7482100
84 0 1320000 1320000 50000 7255948 5441961 0 7255948 7907848
85 0 1320000 1320000 50000 7705025 5778768 0 7705025 8357007
86 0 1320000 1320000 50000 8178801 6134100 0 8178801 8830865
87 0 1320000 1320000 50000 8678635 6508976 0 8678635 9330781
88 0 1320000 1320000 50000 9205960 6904470 0 9205960 9858188
89 0 1320000 1320000 50000 9762288 7321716 0 9762288 10414598
90 0 1320000 1320000 50000 10349214 7761910 0 10349214 11001606
91 0 1320000 1320000 50000 10968421 8226315 0 10968421 11620894
92 0 1320000 1320000 50000 11621684 8716263 0 11621684 12274240
93 0 1320000 1320000 50000 12310877 9233157 0 12310877 12963515
94 0 1320000 1320000 50000 13037975 9778481 0 13037975 13690695
95 0 1320000 1320000 50000 13805064 10353798 0 13805064 14457866
96 0 1320000 1320000 50000 14614343 10960757 0 14614343 15267227
97 0 1320000 1320000 50000 15468132 11601099 0 15468132 16121097
98 0 1320000 1320000 50000 16368879 12276659 0 16368879 17021927
99 0 1320000 1320000 50000 17319167 12989375 0 17319167 17972297
100 0 1320000 1320000 50000 18321721 13741290 0 18321721 18974933
 Premium Chart

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First Year Premium Subsequent Year Premiums
Mode Basic GST @ Total Mode Basic GST @ Total
Premium 4.5% Premium Premium 2.25% Premium
Yearly 35290 1588 36878 Yearly 35290 794 36084
Half 17907 806 18713 Half 17907 403 18310
Yearly Yearly
Quarterly 9010 405 9415 Quarterly 9010 203 9213
Monthly 3022 136 3158 Monthly 3022 68 3090
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