Do you Know how much LIC does in

an Year as New Business

48,000 Crore
Do you know which product contributes
the maximum to LICs business

Jeevan Anand
It Contributes 20% of the LICs new business i.e
9,600 Crs
Do you want a policy better
than Jeevan Anand ?
 Presents

Future Saral Anand

Raise Your Happiness Bar

 ADVANTAGE SARAL ANAND
LICS JEEVAN
FEATURE FUTURE SARAL ANAND
ANAND
Minimum Entry Age 3 years 18 years
3.5% of SA per annum
Guaranteed Additions compound for the first 5 policy Not Available
years

Compound Reversionary bonus Simple reversionary

Bonuses from 6th year bonus from 1st year

3 times the base sum assured

Accidental Death Cover is payable during premium Not applicable
paying term

Life Cover after

150% of SA 100% of SA
Premium Paying Term

Two years anytime after three

Premium Holiday years premium has been paid
Not Available
 DNA of Future Saral Anand
Hassle free insurance
Without medical underwriting in a simplified proposal form
Survival / Maturity benefits
SA + Vested Bonuses (if any)
Dual benefits
Endowment
+ Guaranteed Additions
Plus
(paid at end of the premium paying
term) extended term cover

Death before the risk Guaranteed Additions

commencement 3.5% of SA PA Compounded
All premiums paid under the policy 1st 5 policy years
with interest

Natural death benefit during Compound Reversionary

the premium paying term Bonuses
(After risk commencement) 6th policy year onwards
SA+ Guaranteed Addition (if any) +
Vested Bonus (if any) + Terminal
Bonus (if any)
Tax Benefits
as per tax laws
Death Benefit
after premium paying term
150% of the SA + Terminal Bonus
(if any)

Accidental death benefit during the premium paying term (major life)
3 times SA+ Guaranteed Addition (if any) + Vested Bonus (if any)+ Terminal Bonus (if any)
 Happiness Guaranteed
If only life offered us MORE, everyone would be more HAPPY

Future Saral Anand

Sum Assured At Maturity + GA + Bonus

Sum Assured At Death

Guaranteed Additions
And above all, Hassle
Compound Reversionary Bonus
Free Simplified
Double Accidental Death Benefit Insurance Cover
without any medical
check up

A pathbreaking insurance plan which stretches your Happiness

through a bounty of benefits beyond your wildest expectations
 Benefits At A Glance
Sum Assured & Vested Bonuses at maturity
Extended Term Cover upto age 80yrs
3.5% of Compounded Reversionary Bonus
Guaranteed Addition till first 5 policy years
Compounded Reversionary Bonus from 6th
year onwards
150% of SA on death after premium paying
term
300% of SA on accidental death during
premium paying term
Hassle free issuance without medical
underwriting
Tax Benefits as per Section 80C & 10(10D)
 Introducing Future Saral Anand
A traditional plan offering a combination of endowment and
extended term cover.
Provides a maturity benefit at the end of premium payment term and
continues risk coverage till 80 years.

Double Benefit Plan : Sum Assured At Maturity & Sum Assured At Death

m
ed+ f Su
r o
su d s % ured
As ntee nuse 0
15 Ass
m a
Su uar + Bo
G n
io
d dit
A
Risk Cover Risk Cover

Age 35 Premium Paying Term 15 Yrs Age 50 Age 80

Policy Matures Death of Insured
 Future Saral Anand - Features
Feature Minimum Maximum
Age at entry 3 yrs
Risk commences on policy anniversary after
attaining age of 7 years or 2 years after the 50yrs
policy commencement date, which ever is
later
Sum Assured (Age 3 Rs 5 lakh
50 yrs) Rs 75,000
(Simplified)

Premium Paying
15 yrs (subject to age at end of PPT is 18 years last birthday)
Term
Extended Term Till age 80 years (as on last birthday)
Min & Max Premium Based on SA and age at entry
Maximum Age to
receive survival 65 yrs
benefit
Policy Term 80 yrs minus the age at entry
Premium Mode Yearly
 Future Saral Anand Simplified

Key Features
- 2 Page Application form
- Max entry age: 50 yrs
- Simplified Underwriting
- Upto Rs. 5 lakhs SA

Simplified underwriting upto 5 lakhs or non medical limits

whichever is lower
3 years to 50 years Rs. 5 lacs SA
 Future Saral Anand Benefits
Parameters Explanation
Guaranteed Additions At the end of each policy year, guaranteed additions @ 3.5%
of the sum assured compounding at the end of each year is
added to the policy during the 1st 5 policy years.In case of
children policies also , guaranteed additions are given from
first year.
Reversionary Bonus From 6th policy year, compound reversionary bonus at
the end of each year as declared by the company from
time to time is attached to the policy
Inbuilt Accidental Benefit During the premium payment term, provided the life
assured is a major at the time of taking the policy, in
case of death due to an accident, then additional 2 times
the base sum assured is payable along with the death
benefit as mentioned below (not applicable for minor life
assured)
Survival Benefit If the life assured survives till the end of premium
payment term, then sum assured + guaranteed additions
+ vested bonuses (if any) is payable
 Benefits Illustrated

Policy Matures
Policy
Starts
5 yrs 10 yrs Extended Term Cover

Guaranteed Compound
Additions @ Reversionary Bonus Sum Assured +
150% of
3.5% Guaranteed
Sum
Addition +
Premium Paying Term Assured
Bonuses

3 Times SA for Inbuilt Accidental

Death Benefit (for major life)

Jiten buys a policy at age 35 for himself, for a premium payment term of 15 years and a sum
assured of Rs. 5,00,000/-
At the age of 42 years, Jiten dies due to an accident, then the death benefit payable is
3 times SA + GA + vested bonuses (if any) = Rs 15,00,000 + GA + bonuses
 Death Benefits
During premium payment term
After Risk Commencement Sum assured + guaranteed additions
(if any) + vested bonus (if any)
Illustration for Life Assured Aged 04
Premium Paying Term
Policy
Starts
05 06 07 08 09 10 11 12 13 14 15 16 17 18 19

Dies at 16

Sum Assured +
Guaranteed
Addition + Bonuses

Deepak buys a policy for his 04 years old son Mahesh, for a premium payment term of 15 years and a SA of
Rs. 2,00,000/-.At the age of 16 years, Mahesh dies due to an accident, then the death benefit payable is
Rs 2,00,000/- + GA + vested bonuses (if any)
(The benefit of additional accidental death benefit is not payable since life assured is minor)
 Death Benefits
During Extended Term Cover
150% of the base sum assured is payable
Illustration for Person Aged 30

Premium Paying Term

Policy
Extended Term Cover
Starts
31 32 33 34 35 36 37 38 39 40 41 42 43 44 45

150% of
Sum
Assured

Suresh buys a policy at age 30 for himself, for a premium payment term of 15 years and a sum assured of Rs.
5,00,000/-
At age 45 yrs when the policy matures, Suresh gets the survival benefit ie SA + GA + Vested Bonuses
At the age of 55 years, Suresh dies, then the death benefit payable is 150% of SA = Rs 750,000
Form Filling
Questions ?
Thank You