Jeevan Anand

"Insure & be secure"
A presentation specially compiled for
Mr. Babu
Presented by :-
V.RAJENDRABABU
Insurance & Investment Consultant
144/156 Othavadai Street, Kodambakkam
Chennai 600024 Mobile No.9840607084 Email id: lic_gicbabu@yahoo.co.in
V.RAJENDRABABU
144/156 Othavadai Street,

Kodambakkam
Chennai 600024
Mobile No.9840607084 Email id: lic_gicbabu@yahoo.co.in
Magic Mix Illustration for Mr. Babu (age 30) Ref. No. Jeevan Ana
Proposed Insurance
Term/ Basic Sum Term Accident Crit.Illness. Premium Install. Tax

Id Com.Date Plan Name PPT Assured Rider SA Rider SA Rider SA Waiver Md. Premium Beneficiary
1 14/01/11 149-Jeevan Anand 20/20 9,00,000 0 5,00,000 0 - Y 49,130
9,00,000 0 5,00,000 0
Annual Premium: 49,130
Modewise Summary of Installment Premiums
Interim * Bonus #Assu PREMIUM

Id Com. Date Plan/Tm/PPT Bonus Rate Step FAB SSS Monthly Quaterly Half Yearly Yearly
Rate Rate
1 14/01/11 149/20/20 41 41 0.00 70 4,225 4,444 12,676 24,959 49,130
4,225 4,444 12,676 24,959 49,130
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: 9,00,000 Medical by DMR: No
Disclaimer: 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.
V.RAJENDRABABU

Kodambakkam
Chennai 600024
Forecast of Insurance Benefits
Fin. Year Risk Cover Additional Cover For the Year Cash Loan
Ending Age (Natural Death) Accident Crit. Ill. PWB Premium Returns Cash Flow Value Available
31/03/11 30 9,36,900 5,00,000 0 0 49,130 0 -49,130 0 0

31/03/12 31 9,73,800 5,00,000 0 0 49,130 0 -49,130 0 0
31/03/13 32 10,10,700 5,00,000 0 0 49,130 0 -49,130 42,991 38,750
31/03/14 33 10,47,600 5,00,000 0 0 49,130 0 -49,130 92,634 83,250
31/03/15 34 10,84,500 5,00,000 0 0 49,130 0 -49,130 1,27,529 1,14,750
31/03/16 35 11,21,400 5,00,000 0 0 49,130 0 -49,130 1,67,242 1,50,500
31/03/17 36 11,58,300 5,00,000 0 0 49,130 0 -49,130 2,12,341 1,91,000
31/03/18 37 11,95,200 5,00,000 0 0 49,130 0 -49,130 2,63,402 2,37,000
31/03/19 38 12,32,100 5,00,000 0 0 49,130 0 -49,130 3,21,181 2,89,000
31/03/20 39 12,69,000 5,00,000 0 0 49,130 0 -49,130 3,86,385 3,47,750
31/03/21 40 13,05,900 5,00,000 0 0 49,130 0 -49,130 4,59,763 4,13,750
31/03/22 41 13,42,800 5,00,000 0 0 49,130 0 -49,130 5,34,917 4,81,500
31/03/23 42 13,79,700 5,00,000 0 0 49,130 0 -49,130 6,19,449 5,57,500
31/03/24 43 14,16,600 5,00,000 0 0 49,130 0 -49,130 7,14,990 6,43,500
31/03/25 44 14,71,500 5,00,000 0 0 49,130 0 -49,130 8,23,499 7,41,250
31/03/26 45 15,12,900 5,00,000 0 0 49,130 0 -49,130 9,47,181 8,52,500
31/03/27 46 15,54,300 5,00,000 0 0 49,130 0 -49,130 10,95,803 9,86,250
31/03/28 47 15,95,700 5,00,000 0 0 49,130 0 -49,130 12,63,470 11,37,000
31/03/29 48 16,46,100 5,00,000 0 0 49,130 0 -49,130 14,52,605 13,07,250
31/03/30 49 17,01,000 5,00,000 0 0 49,130 0 -49,130 15,94,534 14,99,250
31/03/31 50 9,00,000 5,00,000 0 0 0 17,01,000 17,01,000 2,12,759 1,91,500
31/03/32 51 9,00,000 5,00,000 0 0 0 0 0 2,23,830 2,01,500
31/03/33 52 9,00,000 5,00,000 0 0 0 0 0 2,35,259 2,11,750
31/03/34 53 9,00,000 5,00,000 0 0 0 0 0 2,45,160 2,20,750
31/03/35 54 9,00,000 5,00,000 0 0 0 0 0 2,58,930 2,33,000
31/03/36 55 9,00,000 5,00,000 0 0 0 0 0 2,71,259 2,44,250
31/03/37 56 9,00,000 5,00,000 0 0 0 0 0 2,83,770 2,55,500
31/03/38 57 9,00,000 5,00,000 0 0 0 0 0 2,96,550 2,67,000
31/03/39 58 9,00,000 5,00,000 0 0 0 0 0 3,09,600 2,78,750
31/03/40 59 9,00,000 5,00,000 0 0 0 0 0 3,22,829 2,90,500
31/03/41 60 9,00,000 5,00,000 0 0 0 0 0 3,36,240 3,02,500
31/03/42 61 9,00,000 5,00,000 0 0 0 0 0 3,49,920 3,15,000
31/03/43 62 9,00,000 5,00,000 0 0 0 0 0 3,63,600 3,27,250
31/03/44 63 9,00,000 5,00,000 0 0 0 0 0 3,77,459 3,39,750
31/03/45 64 9,00,000 5,00,000 0 0 0 0 0 3,91,410 3,52,250
31/03/46 65 9,00,000 5,00,000 0 0 0 0 0 4,05,449 3,65,000
31/03/47 66 9,00,000 5,00,000 0 0 0 0 0 4,19,579 3,77,500
31/03/48 67 9,00,000 5,00,000 0 0 0 0 0 4,33,620 3,90,250
31/03/49 68 9,00,000 5,00,000 0 0 0 0 0 4,47,660 4,03,000
31/03/50 69 9,00,000 5,00,000 0 0 0 0 0 4,61,699 4,15,500
31/03/51 70 9,00,000 0 0 0 0 0 0 4,75,649 4,28,000
31/03/52 71 9,00,000 0 0 0 0 0 0 4,89,509 4,40,500
31/03/53 72 9,00,000 0 0 0 0 0 0 5,03,279 4,53,000
31/03/54 73 9,00,000 0 0 0 0 0 0 5,16,870 4,65,250
31/03/55 74 9,00,000 0 0 0 0 0 0 5,30,279 4,77,250
31/03/56 75 9,00,000 0 0 0 0 0 0 5,43,420 4,89,000
31/03/57 76 9,00,000 0 0 0 0 0 0 5,56,380 5,00,750
V.RAJENDRABABU

Kodambakkam
Chennai 600024
Ending Age (Natural Death) Accident Crit. Ill. PWB Premium Returns Cash Flow Value Available
31/03/58 77 9,00,000 0 0 0 0 0 0 5,69,160 5,12,250

31/03/59 78 9,00,000 0 0 0 0 0 0 5,81,580 5,23,500
31/03/60 79 9,00,000 0 0 0 0 0 0 5,93,820 5,34,500
31/03/61 80 9,00,000 0 0 0 0 0 0 6,05,700 5,45,250
31/03/62 81 9,00,000 0 0 0 0 0 0 6,17,220 5,55,500
31/03/63 82 9,00,000 0 0 0 0 0 0 6,28,470 5,65,500
31/03/64 83 9,00,000 0 0 0 0 0 0 6,39,360 5,75,500
31/03/65 84 9,00,000 0 0 0 0 0 0 6,49,889 5,85,000
31/03/66 85 9,00,000 0 0 0 0 0 0 6,60,149 5,94,250
31/03/67 86 9,00,000 0 0 0 0 0 0 6,69,960 6,03,000
31/03/68 87 9,00,000 0 0 0 0 0 0 6,79,500 6,11,500
31/03/69 88 9,00,000 0 0 0 0 0 0 6,88,679 6,19,750
31/03/70 89 9,00,000 0 0 0 0 0 0 6,97,860 6,28,000
31/03/71 90 9,00,000 0 0 0 0 0 0 7,06,679 6,36,000
31/03/72 91 9,00,000 0 0 0 0 0 0 7,15,679 6,44,000
31/03/73 92 9,00,000 0 0 0 0 0 0 7,24,590 6,52,250
31/03/74 93 9,00,000 0 0 0 0 0 0 7,33,769 6,60,500
31/03/75 94 9,00,000 0 0 0 0 0 0 7,45,470 6,71,000
31/03/76 95 9,00,000 0 0 0 0 0 0 7,55,730 6,80,250
31/03/77 96 9,00,000 0 0 0 0 0 0 7,75,169 6,97,750
31/03/78 97 9,00,000 0 0 0 0 0 0 7,94,159 7,14,750
31/03/79 98 9,00,000 0 0 0 0 0 0 8,37,899 7,54,000
31/03/80 99 9,00,000 0 0 0 0 0 0 8,68,950 7,82,000
14/01/81 100 9,00,000 0 0 0 0 0 0 0 0
9,82,600 17,01,000 7,18,400
Yield on Investments (Pre Tax) : 4.98 %
K e y A s s u m p t i o n s
Personal Data: DOB: 14/01/1981
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, last declared Interim 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 not been considered on applicable plans.
V.RAJENDRABABU

Kodambakkam
Chennai 600024
Premium Breakup & Tax Implication (for the year)
Premium Breakup u/s 80 CCE u/s 80 D
Fin. Year Term Critical Other Eligible Tax Ben. Eligible Tax Ben. Total
Ending Basic Rider DAB Illness PWB Rider Total Amount @30.9% Amount @30.9% Benefit
31/03/11 49,130 0 0 0 0 0 49,130 49,130 15,181 0 0 15,181

31/03/12 49,130 0 0 0 0 0 49,130 49,130 15,181 0 0 15,181
31/03/13 49,130 0 0 0 0 0 49,130 49,130 15,181 0 0 15,181
31/03/14 49,130 0 0 0 0 0 49,130 49,130 15,181 0 0 15,181
31/03/15 49,130 0 0 0 0 0 49,130 49,130 15,181 0 0 15,181
31/03/16 49,130 0 0 0 0 0 49,130 49,130 15,181 0 0 15,181
31/03/17 49,130 0 0 0 0 0 49,130 49,130 15,181 0 0 15,181
31/03/18 49,130 0 0 0 0 0 49,130 49,130 15,181 0 0 15,181
31/03/19 49,130 0 0 0 0 0 49,130 49,130 15,181 0 0 15,181
31/03/20 49,130 0 0 0 0 0 49,130 49,130 15,181 0 0 15,181
31/03/21 49,130 0 0 0 0 0 49,130 49,130 15,181 0 0 15,181
31/03/22 49,130 0 0 0 0 0 49,130 49,130 15,181 0 0 15,181
31/03/23 49,130 0 0 0 0 0 49,130 49,130 15,181 0 0 15,181
31/03/24 49,130 0 0 0 0 0 49,130 49,130 15,181 0 0 15,181
31/03/25 49,130 0 0 0 0 0 49,130 49,130 15,181 0 0 15,181
31/03/26 49,130 0 0 0 0 0 49,130 49,130 15,181 0 0 15,181
31/03/27 49,130 0 0 0 0 0 49,130 49,130 15,181 0 0 15,181
31/03/28 49,130 0 0 0 0 0 49,130 49,130 15,181 0 0 15,181
31/03/29 49,130 0 0 0 0 0 49,130 49,130 15,181 0 0 15,181
31/03/30 49,130 0 0 0 0 0 49,130 49,130 15,181 0 0 15,181
9,82,600 0 0 0 0 0 9,82,600 9,82,600 3,03,620 0 0 3,03,620
Yield on Investments (Post Tax) : 8.11 %
Premium Calendar
Id Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar
1 - - - - - - - - - 49,130 - -
- - - - - - - - - 49,130 - -
Annual Premium : 49,130
V.RAJENDRABABU

Kodambakkam
Chennai 600024
Innovative Forecast of Insurance Benefits
Ending Age (Natural Death) Accident Critical Ill. PWB Payment Returns Cash Flow Value Available
31/03/11 30 9,36,900 5,00,000 0 0 49,130 0 -49,130 0 0

31/03/12 31 9,73,800 5,00,000 0 0 49,130 0 -49,130 0 0
31/03/13 32 10,10,700 5,00,000 0 0 49,130 0 -49,130 42,991 38,750
31/03/14 33 10,47,600 5,00,000 0 0 49,130 0 -49,130 92,634 83,250
31/03/15 34 10,84,500 5,00,000 0 0 49,130 0 -49,130 1,27,529 1,14,750
31/03/16 35 11,21,400 5,00,000 0 0 49,130 0 -49,130 1,67,242 1,50,500
31/03/17 36 11,58,300 5,00,000 0 0 49,130 0 -49,130 2,12,341 1,91,000
31/03/18 37 11,95,200 5,00,000 0 0 49,130 0 -49,130 2,63,402 2,37,000
31/03/19 38 12,32,100 5,00,000 0 0 49,130 0 -49,130 3,21,181 2,89,000
31/03/20 39 12,69,000 5,00,000 0 0 49,130 0 -49,130 3,86,385 3,47,750
31/03/21 40 13,05,900 5,00,000 0 0 49,130 0 -49,130 4,59,763 4,13,750
31/03/22 41 13,42,800 5,00,000 0 0 49,130 0 -49,130 5,34,917 4,81,500
31/03/23 42 13,79,700 5,00,000 0 0 49,130 0 -49,130 6,19,449 5,57,500
31/03/24 43 14,16,600 5,00,000 0 0 49,130 0 -49,130 7,14,990 6,43,500
31/03/25 44 14,71,500 5,00,000 0 0 49,130 0 -49,130 8,23,499 7,41,250
31/03/26 45 15,12,900 5,00,000 0 0 49,130 0 -49,130 9,47,181 8,52,500
31/03/27 46 15,54,300 5,00,000 0 0 49,130 0 -49,130 10,95,803 9,86,250
31/03/28 47 15,95,700 5,00,000 0 0 49,130 0 -49,130 12,63,470 11,37,000
31/03/29 48 16,46,100 5,00,000 0 0 49,130 0 -49,130 14,52,605 13,07,250
31/03/30 49 17,01,000 5,00,000 0 0 49,130 0 -49,130 15,94,534 14,99,250
31/03/31 50 9,00,000 5,00,000 0 0 0 17,01,000 17,01,000 2,12,759 1,91,500
31/03/32 51 9,00,000 5,00,000 0 0 0 0 0 2,23,830 2,01,500
31/03/33 52 9,00,000 5,00,000 0 0 0 0 0 2,35,259 2,11,750
31/03/34 53 9,00,000 5,00,000 0 0 0 0 0 2,45,160 2,20,750
31/03/35 54 9,00,000 5,00,000 0 0 0 0 0 2,58,930 2,33,000
31/03/36 55 9,00,000 5,00,000 0 0 0 0 0 2,71,259 2,44,250
31/03/37 56 9,00,000 5,00,000 0 0 0 0 0 2,83,770 2,55,500
31/03/38 57 9,00,000 5,00,000 0 0 0 0 0 2,96,550 2,67,000
31/03/39 58 9,00,000 5,00,000 0 0 0 0 0 3,09,600 2,78,750
31/03/40 59 9,00,000 5,00,000 0 0 0 0 0 3,22,829 2,90,500
31/03/41 60 9,00,000 5,00,000 0 0 0 0 0 3,36,240 3,02,500
31/03/42 61 9,00,000 5,00,000 0 0 0 0 0 3,49,920 3,15,000
31/03/43 62 9,00,000 5,00,000 0 0 0 0 0 3,63,600 3,27,250
31/03/44 63 9,00,000 5,00,000 0 0 0 0 0 3,77,459 3,39,750
31/03/45 64 9,00,000 5,00,000 0 0 0 0 0 3,91,410 3,52,250
31/03/46 65 9,00,000 5,00,000 0 0 0 0 0 4,05,449 3,65,000
31/03/47 66 9,00,000 5,00,000 0 0 0 0 0 4,19,579 3,77,500
31/03/48 67 9,00,000 5,00,000 0 0 0 0 0 4,33,620 3,90,250
31/03/49 68 9,00,000 5,00,000 0 0 0 0 0 4,47,660 4,03,000
31/03/50 69 9,00,000 5,00,000 0 0 0 0 0 4,61,699 4,15,500
31/03/51 70 9,00,000 0 0 0 0 0 0 4,75,649 4,28,000
31/03/52 71 9,00,000 0 0 0 0 0 0 4,89,509 4,40,500
31/03/53 72 9,00,000 0 0 0 0 0 0 5,03,279 4,53,000
31/03/54 73 9,00,000 0 0 0 0 0 0 5,16,870 4,65,250
31/03/55 74 9,00,000 0 0 0 0 0 0 5,30,279 4,77,250
31/03/56 75 9,00,000 0 0 0 0 0 0 5,43,420 4,89,000
31/03/57 76 9,00,000 0 0 0 0 0 0 5,56,380 5,00,750
V.RAJENDRABABU

Kodambakkam
Chennai 600024
Ending Age (Natural Death) Accident Critical Ill. PWB Payment Returns Cash Flow Value Available
31/03/58 77 9,00,000 0 0 0 0 0 0 5,69,160 5,12,250

31/03/59 78 9,00,000 0 0 0 0 0 0 5,81,580 5,23,500
31/03/60 79 9,00,000 0 0 0 0 0 0 5,93,820 5,34,500
31/03/61 80 9,00,000 0 0 0 0 0 0 6,05,700 5,45,250
31/03/62 81 9,00,000 0 0 0 0 0 0 6,17,220 5,55,500
31/03/63 82 9,00,000 0 0 0 0 0 0 6,28,470 5,65,500
31/03/64 83 9,00,000 0 0 0 0 0 0 6,39,360 5,75,500
31/03/65 84 9,00,000 0 0 0 0 0 0 6,49,889 5,85,000
31/03/66 85 9,00,000 0 0 0 0 0 0 6,60,149 5,94,250
31/03/67 86 9,00,000 0 0 0 0 0 0 6,69,960 6,03,000
31/03/68 87 9,00,000 0 0 0 0 0 0 6,79,500 6,11,500
31/03/69 88 9,00,000 0 0 0 0 0 0 6,88,679 6,19,750
31/03/70 89 9,00,000 0 0 0 0 0 0 6,97,860 6,28,000
31/03/71 90 9,00,000 0 0 0 0 0 0 7,06,679 6,36,000
31/03/72 91 9,00,000 0 0 0 0 0 0 7,15,679 6,44,000
31/03/73 92 9,00,000 0 0 0 0 0 0 7,24,590 6,52,250
31/03/74 93 9,00,000 0 0 0 0 0 0 7,33,769 6,60,500
31/03/75 94 9,00,000 0 0 0 0 0 0 7,45,470 6,71,000
31/03/76 95 9,00,000 0 0 0 0 0 0 7,55,730 6,80,250
31/03/77 96 9,00,000 0 0 0 0 0 0 7,75,169 6,97,750
31/03/78 97 9,00,000 0 0 0 0 0 0 7,94,159 7,14,750
31/03/79 98 9,00,000 0 0 0 0 0 0 8,37,899 7,54,000
31/03/80 99 9,00,000 0 0 0 0 0 0 8,68,950 7,82,000
14/01/81 100 9,00,000 0 0 0 0 0 0 0 0
9,82,600 17,01,000 7,18,400
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) : 4.98 %

Jeevan Anand

Uploaded by

Document Information

Original Description:

Copyright

Available Formats

Share this document

Share or Embed Document

Sharing Options

Did you find this document useful?

Is this content inappropriate?

Copyright:

Available Formats

Jeevan Anand

Uploaded by

Copyright:

Available Formats

"Insure & be secure"

A presentation specially compiled for

144/156 Othavadai Street,

Term/ Basic Sum Term Accident Crit.Illness. Premium Install. Tax

1 14/01/11 149-Jeevan Anand 20/20 9,00,000 0 5,00,000 0 - Y 49,130

Annual Premium: 49,130

Modewise Summary of Installment Premiums

Interim * Bonus #Assu PREMIUM

1 14/01/11 149/20/20 41 41 0.00 70 4,225 4,444 12,676 24,959 49,130

4,225 4,444 12,676 24,959 49,130

3. '%' : - Assumed Growth Rate

Medical Requirement Details

Sum at Risk: 9,00,000 Medical by DMR: No

144/156 Othavadai Street,

Forecast of Insurance Benefits

31/03/11 30 9,36,900 5,00,000 0 0 49,130 0 -49,130 0 0

144/156 Othavadai Street,

31/03/58 77 9,00,000 0 0 0 0 0 0 5,69,160 5,12,250

9,82,600 17,01,000 7,18,400

Yield on Investments (Pre Tax) : 4.98 %

Personal Data: DOB: 14/01/1981

144/156 Othavadai Street,

Premium Breakup & Tax Implication (for the year)

Premium Breakup u/s 80 CCE u/s 80 D

31/03/11 49,130 0 0 0 0 0 49,130 49,130 15,181 0 0 15,181

9,82,600 0 0 0 0 0 9,82,600 9,82,600 3,03,620 0 0 3,03,620

Yield on Investments (Post Tax) : 8.11 %

Annual Premium : 49,130

144/156 Othavadai Street,

Innovative Forecast of Insurance Benefits

31/03/11 30 9,36,900 5,00,000 0 0 49,130 0 -49,130 0 0

144/156 Othavadai Street,

31/03/58 77 9,00,000 0 0 0 0 0 0 5,69,160 5,12,250

Payment to L.I.C. indicates Annual Premium and /or Advance Premiums

Yield on Investments (Pre Tax) : 4.98 %

You might also like