LIC

INTRODUCING
PLAN No. 813

JEEVAN SUGAM
USPs

LIMITED
PERIOD
CLOSE
ENDED
PLAN

LIMITED PERIOD CLOSE ENDED PLAN Available for max. 45 days.

Maturity Benefit: Guaranteed Maturity Sum Assured + Loyalty Additions
One Time investment with No Upper Limit.

hu

do rry!
the n't mis
Opp Gold s
ortu en
nity

Death benefit: If death occurs within first 5 policy years 10 times of Premium paid .
If death occurs after five policy years 10 times of premium paid + loyalty addition

Loyalty Addition, if any, payable on maturity.

Easy Liquidity- Loan/SV available immediately after taking policy.
Plan available for children aged 8 yrs & above.
Benefit Illustration

ELIGIBILITY CONDITIONS
a) Minimum Entry Age:

8 years (completed)

Age

25 years

b) Maximum Entry Age:

45 years (nearest birthday)

Policy Term

10 years

c) Policy Term:

10 years

Mode

d) Mode of premium payment:

Single premium

e) Maturity Sum Assured:

Minimum - Rs 60000 (Max - No limit)

Maturity Sum Assured

Death Benefit
Premium (Including ST)

INCENTIVE FOR HIGHER MATURITY SUM ASSURED

Maturity Sum Assured

Loyalty Addition @ 10%

Increase in Maturity Sum Assured

Total Mty Benefit

(4,18,000+50,000)

Below Rs.150,000

Nil

Rs. 150,000 to Rs. 399,999

3.50%

Return on Investment

Rs. 400,000 and above

4.50%

Maturity Proceeds
if invested in FD @ 8.5%

SURRENDER VALUE
Guaranteed Surrender Value:
First Year : 70% of Single premium excl. extra premiums, if any.
Thereafter : 90% of Single premium excl. extra premiums, if any
Higher of Guaranteed Surrender Value or Special Surrender Value (SSV) payable.
LA also payable If policy surrendered in the last policy year.
LIQUIDITY
Loan Facility Available immediately after taking policy
First year : 42% of Premium paid
Subsequent years : 60% of Surrender Value payable
Insurance is the subject matter of solicitation

For Private circulation only

Income Tax @ 20%

on Interest Earned
Net Returns in FD

Single
4,00,000
22,23,600
2,29,231
50,000

4,68,000
10.42%

5,18,287

57,811
4,60,476

Premium Ready Reckoner for Jeevan Sugam for Various Maturity Sum Assured at Various Ages(including Serv. Tax)
MATURITY SUM ASSURED
Age

Tab Prem

60000

Death SA

1 LAC

Death SA

Increased Maturity SA
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45

534.30
535.90
537.75
540.00
542.20
544.20
545.85
547.35
548.70
549.95
551.05
552.05
552.90
553.60
554.20
554.75
555.30
555.90
556.65
557.60
558.85
560.50
562.65
565.45
569.05
573.30
578.15
583.80
590.35
597.95
606.85
617.20
629.35
643.50
660.10
680.10
704.40
733.90

1.5 LACS

Death SA

155250
33049
33148
33262
33401
33537
33661
33763
33856
33939
34017
34085
34147
34199
34242
34279
34314
34348
34385
34431
34490
34567
34669
34802
34975
35198
35461
35761
36110
36516
36986
37536
38176
38928
39803
40830
42067
43570
45395

320580
321540
322650
324000
325320
326520
327510
328410
329220
329970
330630
331230
331740
332160
332520
332850
333180
333540
333990
334560
335310
336300
337590
339270
341430
343980
346890
350280
354210
358770
364110
370320
377610
386100
396060
408060
422640
440340

55081
55246
55437
55669
55895
56102
56272
56426
56565
56694
56808
56911
56998
57071
57132
57189
57246
57308
57385
57483
57612
57782
58004
58292
58663
59101
59601
60184
60859
61643
62560
63627
64880
66338
68050
70112
72617
75658

534300
535900
537750
540000
542200
544200
545850
547350
548700
549950
551050
552050
552900
553600
554200
554750
555300
555900
556650
557600
558850
560500
562650
565450
569050
573300
578150
583800
590350
597950
606850
617200
629350
643500
660100
680100
704400
733900

82621
82869
83155
83503
83843
84152
84408
84639
84848
85042
85212
85366
85498
85606
85699
85784
85869
85962
86078
86224
86418
86673
87005
87438
87995
88652
89402
90276
91289
92464
93840
95441
97320
99508
102075
105167
108925
113487

4 LACS

Death SA

418000
801450
803850
806625
810000
813300
816300
818775
821025
823050
824925
826575
828075
829350
830400
831300
832125
832950
833850
834975
836400
838275
840750
843975
848175
853575
859950
867225
875700
885525
896925
910275
925800
944025
965250
990150
1020150
1056600
1100850

220324
220984
221747
222674
223582
224406
225087
225705
226262
226777
227231
227643
227994
228282
228530
228757
228984
229231
229540
229932
230447
231128
232014
233169
234653
236406
238406
240736
243437
246571
250241
254509
259519
265354
272199
280446
290466
302631

10 LACS

Death SA

1045000
2137200
2143600
2151000
2160000
2168800
2176800
2183400
2189400
2194800
2199800
2204200
2208200
2211600
2214400
2216800
2219000
2221200
2223600
2226600
2230400
2235400
2242000
2250600
2261800
2276200
2293200
2312600
2335200
2361400
2391800
2427400
2468800
2517400
2574000
2640400
2720400
2817600
2935600

550810
552459
554366
556686
558954
561016
562717
564263
565655
566943
568077
569108
569985
570706
571325
571892
572459
573077
573850
574830
576118
577819
580036
582922
586634
591015
596015
601839
608592
616427
625602
636271
648797
663384
680497
701115
726166
756578

50 LACS

Death SA

5225000
5343000
5359000
5377500
5400000
5422000
5442000
5458500
5473500
5487000
5499500
5510500
5520500
5529000
5536000
5542000
5547500
5553000
5559000
5566500
5576000
5588500
5605000
5626500
5654500
5690500
5733000
5781500
5838000
5903500
5979500
6068500
6172000
6293500
6435000
6601000
6801000
7044000
7339000

2754049
2762297
2771832
2783430
2794770
2805079
2813584
2821316
2828274
2834717
2840387
2845542
2849923
2853531
2856624
2859459
2862294
2865387
2869252
2874149
2880592
2889097
2900179
2914612
2933168
2955075
2980074
3009197
3042959
3082133
3128008
3181357
3243985
3316921
3402485
3505575
3630830
3782888

The Premium indicated above is rounded off, may vary a few rupees. On Maturity of the policy or death after 5 years or on surrender in the last year Loyalty Addition also payable.

1 CRORE

Death SA

10450000
26715000
26795000
26887500
27000000
27110000
27210000
27292500
27367500
27435000
27497500
27552500
27602500
27645000
27680000
27710000
27737500
27765000
27795000
27832500
27880000
27942500
28025000
28132500
28272500
28452500
28665000
28907500
29190000
29517500
29897500
30342500
30860000
31467500
32175000
33005000
34005000
35220000
36695000

5508099
5524593
5543665
5566860
5589540
5610158
5627168
5642631
5656548
5669435
5680774
5691083
5699846
5707062
5713248
5718918
5724588
5730773
5738505
5748298
5761185
5778195
5800359
5829224
5866336
5910150
5960148
6018394
6085918
6164267
6256017
6362715
6487969
6633842
6804971
7011151
7261660
7565775

53430000
53590000
53775000
54000000
54220000
54420000
54585000
54735000
54870000
54995000
55105000
55205000
55290000
55360000
55420000
55475000
55530000
55590000
55665000
55760000
55885000
56050000
56265000
56545000
56905000
57330000
57815000
58380000
59035000
59795000
60685000
61720000
62935000
64350000
66010000
68010000
70440000
73390000