Market Insights

 Savings – Future Provision  Need for Cash Flow/Pension  Untapped HNI Segment  Huge Disposable Income  Black Economy

Consumer Behavior
• Ego Satisfaction • Convenience • Comfort • Grandeur • Emotions… Fear / Happiness … etc. • Belief • Familiarity • Simplicity

Tax Benefits
Sec 80 C Sec 10 10(D) Tax Free Yearly Money back

Product Attributes

• 100% Tax free • Great Returns • Lifetime Monthly Income • Life Cover

Positioning
 Start in life for the son.  As a Children’s Plan  As a Pension idea…  As a Second Income…  As a father’s gift to the daughter.  Ideal gift of the grand parents for the grand children.  Cash Flow for charity

Payment Options
 Single – As a gift from Grand parents / Parents. Channelize bulk income from land / property deals. Also attractive for Pensioners/Women, NRI’s & others  10, 15 yrs – Suitable for age 30’s & children aged 8 and above.  10 yrs ( 6 yrs premium paying term )Suitable for NRI’s and others having hi income … like actors, Software Professionals, Doctors.  20 yrs – Suitable for new born & children . Also to plan second income / retirement solutions.

• Incomparable returns – Higher than Bank / Post Office. • The Unique product in the market. • Sec 80C Sec 10(10D) – a unique blend – Money back, Life time Cash Flow, Death Claim + Loyalty Addition. • Long term RBI bond now trades at 4.9% signalling the onset of a low interest rates. • Best for NRI / NRE as interest rates are negligible abroad. • Flat Premium upto age 40 – easy to detail & present.
– Use Assignment as a tool to maximize returns.

Well Suited For NRIs
• NRIs can pay the premium through NRE/NRO accounts. • Claim, Survival Benefit etc. will be credited to the same account. • Financial protection/prudent wealth accumulation through LIC.

12 Policies Concept
• Choose October Save : Back dating interest. Less Corpus as initial outgo. Complete for full sum assured Medical valid for 6 months Last 3 months complete on DGH.

Pay & Accumulate
Pay 4.82 x12 = 57.84 lakhs (x 20 ) You pay just Rs 11.57 Crs

You Get (after 20 years) Approx = Rs 18 Cr For entire lifetime…Rs 5.5 lakh * 12

Guaranteed Money Back =66
lakhs / Yr
Totally 100% Taxfree.

Very Attractive Returns.

Age ; 0/ 10/ 20/ 30/ 40
SA 1 Cr Prem 4.82 x 12 Pol 57.84 x 20 yrs 20 yrs Total Outgo = 11.57 cr

In case of death 12 crores + Bonus

Approx Bonus After 20 Yrs)
21st Year onwards Yearly Income 70 yr. span ( 66 x 70 ) Death Claim Loyalty Addition( approx)

18 cr.
66 lakh 46.20 cr. 12.00 cr 12.00 cr

LIKELY TOTAL BENEFITS 88.20 CRORES Great Value to benefit 3 Generations

5.5 % or

M

oRE

 Always inform the fixed benefit eg Rs 2.75 lakh guaranteed moneyback 100% Taxfree every month for an entire lifetime. ( for 50 lac *12 Policies)  After accumulation period LIC pays out bonus which could be 1.5 times the Premium paid in the event of 20 year term. In 15 year term it could be return of the premiums paid. All 100% Tax free. Meanwhile you have got tax rebate for the Premiums paid every year.  Hence actual returns are incredibly attractive so quote only the monetary value as Survival benefit. % is not relevant & should be used only to calculate the SB.

Death Benefit
12 Crores + Loyalty Additions

Unlimited Moneyback

• Rs.5.5 lakh every month • 10 -12% Return • Very Flexible Cash Flow Plan

Summing Up
• • • • Cash flow & Wealth creation of about Rs 100 Cr Corpus. Unlimited Money Back One Plan– 3 generations Liquidity, Tax Cover, Life Time Risk cover.

www.scribd.com/babujee
• • KNG BABUJEE Certified Financial Consultant (All Insurance / All Mutual Funds / All Fixed Deposits / Real Estate) LIC No.15/38, Second Floor, Annasalai,Chennai-600002 Mobile No: 9884635430 Email mca_babujee@yahoo.com Profile: http://www.scribd.com/babujee

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T H A N K YOU

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