Documente Academic
Documente Profesional
Documente Cultură
Mrs. Rupali
Presented by :-
KIRAN BRAHMABHATT
DEVELOPMENT OFFICER (BR:- 86F/7 )
26, VISHAL ROW HOUSE, B/H GANGESHWAR TEMPLE, C.S. ROAD, ADAJAN, SURAT.395009.
MOB:- 98795 16604. E-mail:- kiran_bbhatt@yahoo.co.in
KIRAN BRAHMABHATT
DEVELOPMENT OFFICER (BR:- 86F/7 )
26, VISHAL ROW HOUSE, B/H GANGESHWAR TEMPLE,
C.S. ROAD, ADAJAN, SURAT.395009.
MOB:- 98795 16604.
E-mail:- kiran_bbhatt@yahoo.co.in
Proposed Insurance
Id
Term/
PPT
Basic Sum
Assured
Accident
Rider SA
Md.
21/21
10,00,000
10,00,000
10,00,000
10,00,000
^ Install.
Premium
Tax
Beneficiary
59616
59,616
Annual Premium:
14/03/2014 815/21/21
PREMIUM
* Bonus
Rate
FAB
Yearly
48
100
59,616
30,123
15,218
59,616
30,123
15,218
Half Yearly
Quaterly
Monthly
Single
**Daily
5,072
163.33
5,072
163.33
1. '*' : - Assuming LIC will declare the above mentioned bonus rates for the year ended 31-Mar-2014
2. '**' : - Daily premium is for indicative purpose only. Formula used - (Yearly Premium/365).
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.
KIRAN BRAHMABHATT
DEVELOPMENT OFFICER (BR:- 86F/7 )
26, VISHAL ROW HOUSE, B/H GANGESHWAR TEMPLE,
C.S. ROAD, ADAJAN, SURAT.395009.
MOB:- 98795 16604.
E-mail:- kiran_bbhatt@yahoo.co.in
Risk Cover
Age
Natural Death
Accident Death
Premium
Returns
Cash Flow
Cash
Value
Loan
Available
31/03/2014
39
12,98,000
22,98,000
59,616
-59,616
31/03/2015
40
13,46,000
23,46,000
58,722
-58,722
31/03/2016
41
13,94,000
23,94,000
58,722
-58,722
51,146
41,500
31/03/2017
42
14,42,000
24,42,000
58,722
-58,722
1,37,015
1,11,000
31/03/2018
43
14,90,000
24,90,000
58,722
-58,722
1,73,906
1,40,750
31/03/2019
44
15,38,000
25,38,000
58,722
-58,722
2,11,359
1,71,250
31/03/2020
45
15,86,000
25,86,000
58,722
-58,722
2,49,532
2,02,000
31/03/2021
46
16,34,000
26,34,000
58,722
-58,722
2,96,887
2,40,500
Fin. Year
Ending
31/03/2022
47
16,82,000
26,82,000
58,722
-58,722
3,47,174
2,81,250
31/03/2023
48
17,30,000
27,30,000
58,722
-58,722
4,00,583
3,24,500
31/03/2024
49
17,78,000
27,78,000
58,722
-58,722
4,57,426
3,70,500
31/03/2025
50
18,26,000
28,26,000
58,722
-58,722
5,17,879
4,19,500
31/03/2026
51
18,74,000
28,74,000
58,722
-58,722
5,82,186
4,71,500
31/03/2027
52
19,22,000
29,22,000
58,722
-58,722
6,50,656
5,27,000
31/03/2028
53
19,90,000
29,90,000
58,722
-58,722
7,23,689
5,86,250
31/03/2029
54
20,43,000
30,43,000
58,722
-58,722
8,01,814
6,49,500
31/03/2030
55
20,96,000
30,96,000
58,722
-58,722
8,85,579
7,17,250
31/03/2031
56
21,49,000
31,49,000
58,722
-58,722
9,75,487
7,90,250
31/03/2032
57
22,12,000
32,12,000
58,722
-58,722
10,72,657
8,68,750
31/03/2033
58
22,80,000
32,80,000
58,722
-58,722
11,82,864
9,58,000
31/03/2034
59
23,58,000
33,58,000
58,722
-58,722
19,47,876
10,45,500
31/03/2035
60
10,00,000
10,00,000
21,08,000
21,08,000
3,73,600
3,02,500
31/03/2036
61
10,00,000
10,00,000
3,88,800
3,15,000
31/03/2037
62
10,00,000
10,00,000
4,04,000
3,27,250
31/03/2038
63
10,00,000
10,00,000
4,19,400
3,39,750
31/03/2039
64
10,00,000
10,00,000
4,34,900
3,52,250
31/03/2040
65
10,00,000
10,00,000
4,50,500
3,65,000
31/03/2041
66
10,00,000
10,00,000
4,66,200
3,77,500
31/03/2042
67
10,00,000
10,00,000
4,81,800
3,90,250
31/03/2043
68
10,00,000
10,00,000
4,97,400
4,03,000
31/03/2044
69
10,00,000
10,00,000
5,13,000
4,15,500
31/03/2045
70
10,00,000
10,00,000
5,28,500
4,28,000
31/03/2046
71
10,00,000
10,00,000
5,43,900
4,40,500
31/03/2047
72
10,00,000
10,00,000
5,59,200
4,53,000
31/03/2048
73
10,00,000
10,00,000
5,74,300
4,65,250
31/03/2049
74
10,00,000
10,00,000
5,89,200
4,77,250
31/03/2050
75
10,00,000
10,00,000
6,03,800
4,89,000
31/03/2051
76
10,00,000
10,00,000
6,18,200
5,00,750
31/03/2052
77
10,00,000
10,00,000
6,32,400
5,12,250
31/03/2053
78
10,00,000
10,00,000
6,46,200
5,23,500
31/03/2054
79
10,00,000
10,00,000
6,59,800
5,34,500
31/03/2055
80
10,00,000
10,00,000
6,73,000
5,45,250
31/03/2056
81
10,00,000
10,00,000
6,85,800
5,55,500
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.
KIRAN BRAHMABHATT
DEVELOPMENT OFFICER (BR:- 86F/7 )
26, VISHAL ROW HOUSE, B/H GANGESHWAR TEMPLE,
C.S. ROAD, ADAJAN, SURAT.395009.
MOB:- 98795 16604.
E-mail:- kiran_bbhatt@yahoo.co.in
Risk Cover
Cash
Value
Loan
Available
6,98,300
5,65,500
Age
Natural Death
Accident Death
Premium
Returns
82
10,00,000
10,00,000
31/03/2057
31/03/2058
83
10,00,000
10,00,000
7,10,400
5,75,500
31/03/2059
84
10,00,000
10,00,000
7,22,100
5,85,000
31/03/2060
85
10,00,000
10,00,000
7,33,500
5,94,250
31/03/2061
86
10,00,000
10,00,000
7,44,400
6,03,000
31/03/2062
87
10,00,000
10,00,000
7,55,000
6,11,500
31/03/2063
88
10,00,000
10,00,000
7,65,200
6,19,750
31/03/2064
89
10,00,000
10,00,000
7,75,400
6,28,000
31/03/2065
90
10,00,000
10,00,000
7,85,200
6,36,000
31/03/2066
91
10,00,000
10,00,000
7,95,200
6,44,000
31/03/2067
92
10,00,000
10,00,000
8,05,100
6,52,250
31/03/2068
93
10,00,000
10,00,000
8,15,300
6,60,500
31/03/2069
94
10,00,000
10,00,000
8,28,300
6,71,000
31/03/2070
95
10,00,000
10,00,000
8,39,700
6,80,250
31/03/2071
96
10,00,000
10,00,000
8,61,300
6,97,750
31/03/2072
97
10,00,000
10,00,000
8,82,400
7,14,750
31/03/2073
98
10,00,000
10,00,000
9,31,000
7,54,000
99
10,00,000
10,00,000
9,65,500
7,82,000
14/03/2075 100
10,00,000
10,00,000
10,00,000
10,00,000
12,34,056
31,08,000
18,73,944
31/03/2074
K e y
A s s u mp t i o n s
Sec. 80CCE Limit Available: 100000 Sec. 80D Limit Available: 10000
Tax Savings on premiums will be @ 30.60 % u/s 80CCE and @ 30.60 % u/s 80D
Projections
Bonus: On applicable plans, last declared reversionary bonus of their respective matching discontinued plans has been considered
for the purpose of projected Riskcover and Returns.
Terminal Bonus: On applicable plans, last declared terminal bonus of their respective matching discontinued plans has also been
considered.
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.
KIRAN BRAHMABHATT
DEVELOPMENT OFFICER (BR:- 86F/7 )
26, VISHAL ROW HOUSE, B/H GANGESHWAR TEMPLE,
C.S. ROAD, ADAJAN, SURAT.395009.
MOB:- 98795 16604.
E-mail:- kiran_bbhatt@yahoo.co.in
u/s 80 CCE
u/s 80 D
Basic
DAB
Total
Eligible
Amount
Tax Ben.
@30.6%
Eligible
Amount
Tax Ben.
@30.6%
Total
Benefit
31/03/2014
58,585
1,030
59,616
57,829
17,696
17,696
31/03/2015
57,707
1,015
58,722
57,829
17,696
17,696
31/03/2016
57,707
1,015
58,722
57,829
17,696
17,696
31/03/2017
57,707
1,015
58,722
57,829
17,696
17,696
31/03/2018
57,707
1,015
58,722
57,829
17,696
17,696
31/03/2019
57,707
1,015
58,722
57,829
17,696
17,696
31/03/2020
57,707
1,015
58,722
57,829
17,696
17,696
31/03/2021
57,707
1,015
58,722
57,829
17,696
17,696
31/03/2022
57,707
1,015
58,722
57,829
17,696
17,696
57,829
17,696
17,696
57,829
17,696
17,696
31/03/2023
57,707
1,015
58,722
31/03/2024
57,707
1,015
58,722
57,829
17,696
17,696
57,829
17,696
17,696
31/03/2025
57,707
1,015
58,722
31/03/2026
57,707
1,015
58,722
57,829
17,696
17,696
57,829
17,696
17,696
17,696
31/03/2027
57,707
1,015
58,722
31/03/2028
57,707
1,015
58,722
31/03/2029
57,707
1,015
58,722
57,829
17,696
31/03/2030
57,707
1,015
58,722
57,829
17,696
17,696
31/03/2031
57,707
1,015
58,722
57,829
17,696
17,696
31/03/2032
57,707
1,015
58,722
57,829
17,696
17,696
31/03/2033
57,707
1,015
58,722
57,829
17,696
17,696
31/03/2034
57,707
1,015
58,722
57,829
17,696
17,696
12,12,725
21,339
12,34,056
12,14,409
3,71,616
3,71,616
Premium Calendar
Id
1
Apr
May
Jun
Jul
Aug
-
Sep
Oct
Nov
Dec
Jan
Feb
Mar
59,616
59,616
Annual Premium :
59,616
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.
KIRAN BRAHMABHATT
DEVELOPMENT OFFICER (BR:- 86F/7 )
26, VISHAL ROW HOUSE, B/H GANGESHWAR TEMPLE,
C.S. ROAD, ADAJAN, SURAT.395009.
MOB:- 98795 16604.
E-mail:- kiran_bbhatt@yahoo.co.in
Age
Natural Death
Accident Death
Payment
Returns
Cash Flow
Cash
Value
Loan
Available
39
12,98,000
22,98,000
59,616
-59,616
31/03/2015
40
13,46,000
23,46,000
58,722
-58,722
31/03/2016
41
13,94,000
23,94,000
58,722
-58,722
51,146
41,500
31/03/2017
42
14,42,000
24,42,000
58,722
-58,722
1,37,015
1,11,000
31/03/2018
43
14,90,000
24,90,000
58,722
-58,722
1,73,906
1,40,750
31/03/2019
44
15,38,000
25,38,000
58,722
-58,722
2,11,359
1,71,250
31/03/2020
45
15,86,000
25,86,000
58,722
-58,722
2,49,532
2,02,000
31/03/2021
46
16,34,000
26,34,000
58,722
-58,722
2,96,887
2,40,500
31/03/2022
47
16,82,000
26,82,000
58,722
-58,722
3,47,174
2,81,250
31/03/2023
48
17,30,000
27,30,000
58,722
-58,722
4,00,583
3,24,500
31/03/2024
49
17,78,000
27,78,000
58,722
-58,722
4,57,426
3,70,500
31/03/2025
50
18,26,000
28,26,000
58,722
-58,722
5,17,879
4,19,500
31/03/2026
51
18,74,000
28,74,000
58,722
-58,722
5,82,186
4,71,500
31/03/2027
52
19,22,000
29,22,000
58,722
-58,722
6,50,656
5,27,000
31/03/2028
53
19,90,000
29,90,000
58,722
-58,722
7,23,689
5,86,250
31/03/2029
54
20,43,000
30,43,000
58,722
-58,722
8,01,814
6,49,500
31/03/2030
55
20,96,000
30,96,000
58,722
-58,722
8,85,579
7,17,250
31/03/2031
56
21,49,000
31,49,000
58,722
-58,722
9,75,487
7,90,250
31/03/2032
57
22,12,000
32,12,000
58,722
-58,722
10,72,657
8,68,750
31/03/2033
58
22,80,000
32,80,000
58,722
-58,722
11,82,864
9,58,000
31/03/2034
59
23,58,000
33,58,000
58,722
-58,722
19,47,876
10,45,500
31/03/2035
60
10,00,000
10,00,000
21,08,000
21,08,000
3,73,600
3,02,500
31/03/2036
61
10,00,000
10,00,000
3,88,800
3,15,000
31/03/2037
62
10,00,000
10,00,000
4,04,000
3,27,250
31/03/2038
63
10,00,000
10,00,000
4,19,400
3,39,750
31/03/2039
64
10,00,000
10,00,000
4,34,900
3,52,250
31/03/2040
65
10,00,000
10,00,000
4,50,500
3,65,000
31/03/2041
66
10,00,000
10,00,000
4,66,200
3,77,500
31/03/2042
67
10,00,000
10,00,000
4,81,800
3,90,250
31/03/2043
68
10,00,000
10,00,000
4,97,400
4,03,000
31/03/2044
69
10,00,000
10,00,000
5,13,000
4,15,500
31/03/2045
70
10,00,000
10,00,000
5,28,500
4,28,000
31/03/2046
71
10,00,000
10,00,000
5,43,900
4,40,500
31/03/2047
72
10,00,000
10,00,000
5,59,200
4,53,000
31/03/2048
73
10,00,000
10,00,000
5,74,300
4,65,250
31/03/2049
74
10,00,000
10,00,000
5,89,200
4,77,250
31/03/2050
75
10,00,000
10,00,000
6,03,800
4,89,000
31/03/2051
76
10,00,000
10,00,000
6,18,200
5,00,750
31/03/2052
77
10,00,000
10,00,000
6,32,400
5,12,250
31/03/2053
78
10,00,000
10,00,000
6,46,200
5,23,500
31/03/2054
79
10,00,000
10,00,000
6,59,800
5,34,500
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.
KIRAN BRAHMABHATT
DEVELOPMENT OFFICER (BR:- 86F/7 )
26, VISHAL ROW HOUSE, B/H GANGESHWAR TEMPLE,
C.S. ROAD, ADAJAN, SURAT.395009.
MOB:- 98795 16604.
E-mail:- kiran_bbhatt@yahoo.co.in
Age
Natural Death
Accident Death
Payment
Returns
Cash Flow
Cash
Value
Loan
Available
31/03/2055
80
10,00,000
10,00,000
6,73,000
5,45,250
31/03/2056
81
10,00,000
10,00,000
6,85,800
5,55,500
31/03/2057
82
10,00,000
10,00,000
6,98,300
5,65,500
31/03/2058
83
10,00,000
10,00,000
7,10,400
5,75,500
31/03/2059
84
10,00,000
10,00,000
7,22,100
5,85,000
31/03/2060
85
10,00,000
10,00,000
7,33,500
5,94,250
31/03/2061
86
10,00,000
10,00,000
7,44,400
6,03,000
31/03/2062
87
10,00,000
10,00,000
7,55,000
6,11,500
31/03/2063
88
10,00,000
10,00,000
7,65,200
6,19,750
31/03/2064
89
10,00,000
10,00,000
7,75,400
6,28,000
31/03/2065
90
10,00,000
10,00,000
7,85,200
6,36,000
31/03/2066
91
10,00,000
10,00,000
7,95,200
6,44,000
31/03/2067
92
10,00,000
10,00,000
8,05,100
6,52,250
31/03/2068
93
10,00,000
10,00,000
8,15,300
6,60,500
31/03/2069
94
10,00,000
10,00,000
8,28,300
6,71,000
31/03/2070
95
10,00,000
10,00,000
8,39,700
6,80,250
31/03/2071
96
10,00,000
10,00,000
8,61,300
6,97,750
31/03/2072
97
10,00,000
10,00,000
8,82,400
7,14,750
31/03/2073
98
10,00,000
10,00,000
9,31,000
7,54,000
31/03/2074
99
10,00,000
10,00,000
9,65,500
7,82,000
14/03/2075 100
10,00,000
10,00,000
10,00,000
10,00,000
12,34,056
31,08,000
18,73,944
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).
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.