Sunteți pe pagina 1din 3

SHRIRAM P.

NAIK

Jeevan Saral Plan Presentation


Date : 22/09/2010
HIGHLIGHTS

LIC’s Jeevan Saral is a unique plan having good features of the conventional plans and
the flexibility of unit linked plans. To the policyholder it provides —
· higher cover
· a smooth return,
· liquidity and
· a lot of flexibility

BENEFITS:
On death:
· 250 times the monthly premium, plus
· return of premiums excluding extra/rider premium and first year premium,
plus
· the loyalty addition, if any.
On Maturity:
· Maturity sum assured, plus
· The Loyalty Additions, if any

Special Features:
· High risk cover at low premium
· Extended risk cover for one year after 3 years premium payment.
· Optional higher cover through Term Riders
· The policyholder can choose a maximum term but can surrender at any time
without any surrender penalty or loss after 5 years
· Any number of withdrawals through partial surrendering

ELIGIBILITY CONDITIONS AND OTHER RESTRICTIONS:


· Age at entry : Minimum 12 (completed) and maximum 60 years nearest
· Age at maturity: Maximum 70 years.
· Term : All terms from 10 to 35 years.
· Premium : Minimum premium of Rs.250/- per month for entry age
upto 49 years and Rs.400/- per month for entry age 50
years and above. There will be no limit on the maximum
premium per month.
· Mode : Yearly, Half-yearly, Quarterly and Monthly under Salary
Saving Scheme

In case of term rider, minimum and maximum age at entry will be 18 and 50 years
respectively. Further minimum sum assured will be Rs.1 lakh.

The above statement is based on certain assumptions which are


liable to change according to Government/Corporation's policies.
SHRIRAM P. NAIK

Jeevan Saral Plan Presentation


Jeevan Saral Plan Continued ... Pg. 2

Name
Mr.:Abc Age : 30 years

Term :
35 Years Mode : Yearly

Premium Budget p. m. : 2000 Installment Premium : 23520

Term Rider : 0 Term Rider Premium : 0

DAB : 500000 DAB Premium : 500

Total Installment Premium : 24020 Total Annual Premium : 24020

Section 80 CCE Invst. Limit : 100000 Section 80 CCE Tax Savings : 33.99 %

Risk Cover Benefits

DEATH BENEFIT

Variable Total
Annual Tax Nett Total
Year Age Premium Saved Premium Premium Paid Guaranteed Scenario1 Scenario2 Scenario1 Scenario2
2010 30 24020 8164 15856 15856 500000 0 0 500000 500000
2011 31 24020 8164 15856 31712 524000 0 0 524000 524000
2012 32 24020 8164 15856 47568 548000 0 0 548000 548000
2013 33 24020 8164 15856 63424 572000 0 0 572000 572000
2014 34 24020 8164 15856 79280 596000 0 0 596000 596000
2015 35 24020 8164 15856 95136 620000 0 0 620000 620000
2016 36 24020 8164 15856 110992 644000 0 0 644000 644000
2017 37 24020 8164 15856 126848 668000 0 0 668000 668000
2018 38 24020 8164 15856 142704 692000 0 0 692000 692000
2019 39 24020 8164 15856 158560 716000 35000 90000 751000 806000
2020 40 24020 8164 15856 174416 740000 40000 100000 780000 840000
2021 41 24020 8164 15856 190272 764000 45500 115000 809500 879000
2022 42 24020 8164 15856 206128 788000 51500 137500 839500 925500
2023 43 24020 8164 15856 221984 812000 58000 167500 870000 979500
2024 44 24020 8164 15856 237840 836000 65000 205000 901000 1041000
2025 45 24020 8164 15856 253696 860000 74000 247500 934000 1107500
2026 46 24020 8164 15856 269552 884000 86000 297500 970000 1181500
2027 47 24020 8164 15856 285408 908000 102000 355000 1010000 1263000
2028 48 24020 8164 15856 301264 932000 123000 422500 1055000 1354500
2029 49 24020 8164 15856 317120 956000 150000 500000 1106000 1456000
2030 50 24020 8164 15856 332976 980000 180000 587500 1160000 1567500
2031 51 24020 8164 15856 348832 1004000 212500 685000 1216500 1689000
2032 52 24020 8164 15856 364688 1028000 247500 795000 1275500 1823000
2033 53 24020 8164 15856 380544 1052000 285000 917500 1337000 1969500
2034 54 24020 8164 15856 396400 1076000 325000 1055000 1401000 2131000
2035 55 24020 8164 15856 412256 1100000 365500 1207500 1465500 2307500
2036 56 24020 8164 15856 428112 1124000 406500 1375000 1530500 2499000
2037 57 24020 8164 15856 443968 1148000 448000 1557500 1596000 2705500
2038 58 24020 8164 15856 459824 1172000 490000 1755000 1662000 2927000
2039 59 24020 8164 15856 475680 1196000 532500 1967500 1728500 3163500
2040 60 24020 8164 15856 491536 1220000 576000 2195000 1796000 3415000
2041 61 24020 8164 15856 507392 1244000 620500 2437500 1864500 3681500
2042 62 24020 8164 15856 523248 1268000 666000 2695000 1934000 3963000
2043 63 24020 8164 15856 539104 1292000 712500 2967500 2004500 4259500
2044 64 24020 8164 15856 554960 1316000 760000 3255000 2076000 4571000

840700 285740 554960

Note : The figures in columns Scenario 1 and Scenario 2 above are non-guaranteed. They are estimated on the assumption of
LIC’s projected investment rate of return of 6% and 10% respectively on the investible portion of the premium.
The Investible portion of the premium is calculated as per LIC's benefit Illustration.

The above statement is based on certain assumptions which are


liable to change according to Government/Corporation's policies.
SHRIRAM P. NAIK

Jeevan Saral Plan Presentation


Jeevan Saral Plan Continued ... Pg. 3

Name
Mr.:Abc Age : 30 years

Term :
35 Years Mode : Yearly

Premium Budget p. m. : 2000 Installment Premium : 23520

Term Rider : 0 Term Rider Premium : 0

DAB : 500000 DAB Premium : 500

Total Installment Premium : 24020 Total Annual Premium : 24020

Section 80 CCE Invst. Limit : 100000 Section 80 CCE Tax Savings : 33.99 %

Maturity / Surrender Value Benefits

MATURITY / SURRENDER VALUE BENEFIT

Variable Total
Annual Tax Nett Total
Year Age Premium Saved Premium Premium Paid Guaranteed Scenario1 Scenario2 Scenario1 Scenario2
2010 30 24020 8164 15856 15856 0 0 0 0 0
2011 31 24020 8164 15856 31712 0 0 0 0 0
2012 32 24020 8164 15856 47568 40976 0 0 40976 40976
2013 33 24020 8164 15856 63424 65592 0 0 65592 65592
2014 34 24020 8164 15856 79280 94520 0 0 94520 94520
2015 35 24020 8164 15856 95136 117580 0 0 117580 117580
2016 36 24020 8164 15856 110992 141620 0 0 141620 141620
2017 37 24020 8164 15856 126848 166680 0 0 166680 166680
2018 38 24020 8164 15856 142704 192940 0 0 192940 192940
2019 39 24020 8164 15856 158560 221060 35000 90000 256060 311060
2020 40 24020 8164 15856 174416 250980 40000 100000 290980 350980
2021 41 24020 8164 15856 190272 280920 45500 115000 326420 395920
2022 42 24020 8164 15856 206128 313280 51500 137500 364780 450780
2023 43 24020 8164 15856 221984 348020 58000 167500 406020 515520
2024 44 24020 8164 15856 237840 386000 65000 205000 451000 591000
2025 45 24020 8164 15856 253696 417660 74000 247500 491660 665160
2026 46 24020 8164 15856 269552 449500 86000 297500 535500 747000
2027 47 24020 8164 15856 285408 481820 102000 355000 583820 836820
2028 48 24020 8164 15856 301264 514160 123000 422500 637160 936660
2029 49 24020 8164 15856 317120 546900 150000 500000 696900 1046900
2030 50 24020 8164 15856 332976 579500 180000 587500 759500 1167000
2031 51 24020 8164 15856 348832 612400 212500 685000 824900 1297400
2032 52 24020 8164 15856 364688 644940 247500 795000 892440 1439940
2033 53 24020 8164 15856 380544 677660 285000 917500 962660 1595160
2034 54 24020 8164 15856 396400 709840 325000 1055000 1034840 1764840
2035 55 24020 8164 15856 412256 742060 365500 1207500 1107560 1949560
2036 56 24020 8164 15856 428112 773480 406500 1375000 1179980 2148480
2037 57 24020 8164 15856 443968 804760 448000 1557500 1252760 2362260
2038 58 24020 8164 15856 459824 835720 490000 1755000 1325720 2590720
2039 59 24020 8164 15856 475680 866380 532500 1967500 1398880 2833880
2040 60 24020 8164 15856 491536 894940 576000 2195000 1470940 3089940
2041 61 24020 8164 15856 507392 924080 620500 2437500 1544580 3361580
2042 62 24020 8164 15856 523248 950900 666000 2695000 1616900 3645900
2043 63 24020 8164 15856 539104 977280 712500 2967500 1689780 3944780
2044 64 24020 8164 15856 554960 1003160 760000 3255000 1763160 4258160

840700 285740 554960

Note : The figures in columns Scenario 1 and Scenario 2 above are non-guaranteed. They are estimated on the assumption of
LIC’s projected investment rate of return of 6% and 10% respectively on the investible portion of the premium.
The Investible portion of the premium is calculated as per LIC's benefit Illustration.

The above statement is based on certain assumptions which are


liable to change according to Government/Corporation's policies.

S-ar putea să vă placă și