R.

SUBRAMANI
INSURANCE AND INVESTMENT CONSULTANT

F-1, MARUTHI FLATS, B- BLOCK, 31, VENKATESA NAGAR,

2nd MAIN ROAD, Extn 2, VIRUGAMBAKKAM, CHENNAI:600092.
TEL:044-23764006/MOBILE:9841080111
e-mail:ajaysubra@yahoo.com

Jeevan Saral Plan Presentation

Date : 11/04/2013
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.
 R. SUBRAMANI
INSURANCE AND INVESTMENT CONSULTANT

F-1, MARUTHI FLATS, B- BLOCK, 31, VENKATESA NAGAR,

2nd MAIN ROAD, Extn 2, VIRUGAMBAKKAM, CHENNAI:600092.
TEL:044-23764006/MOBILE:9841080111
e-mail:ajaysubra@yahoo.com

Jeevan Saral Plan Presentation

Jeevan Saral Plan Continued ... Pg. 2

Name : Mr. Sivaganesh Age : 30 years

Term : 35 Years Mode : Yearly

Premium Budget p. m. : 1500 Installment Premium : 17640

Term Rider : 0 Term Rider Premium : 0

DAB : 375000 DAB Premium : 375

Total Installment Premium : 18015 Total Annual Premium : 18015

Section 80 CCE Invst. Limit : 100000 Section 80 CCE Tax Savings : 30.90 %

Risk Cover Benefits

DEATH BENEFIT

Variable Total
Annual Tax Nett Total
Year Age Premium Saved Premium Premium Paid Guaranteed Scenario1 Scenario2 Scenario1 Scenario2
2013 30 18015 5567 12448 12448 375000 0 0 375000 375000
2014 31 18015 5567 12448 24896 393000 0 0 393000 393000
2015 32 18015 5567 12448 37344 411000 0 0 411000 411000
2016 33 18015 5567 12448 49792 429000 0 0 429000 429000
2017 34 18015 5567 12448 62240 447000 0 0 447000 447000
2018 35 18015 5567 12448 74688 465000 0 0 465000 465000
2019 36 18015 5567 12448 87136 483000 0 0 483000 483000
2020 37 18015 5567 12448 99584 501000 0 0 501000 501000
2021 38 18015 5567 12448 112032 519000 0 0 519000 519000
2022 39 18015 5567 12448 124480 537000 26250 67500 563250 604500
2023 40 18015 5567 12448 136928 555000 30000 75000 585000 630000
2024 41 18015 5567 12448 149376 573000 34125 86250 607125 659250
2025 42 18015 5567 12448 161824 591000 38625 103125 629625 694125
2026 43 18015 5567 12448 174272 609000 43500 125625 652500 734625
2027 44 18015 5567 12448 186720 627000 48750 153750 675750 780750
2028 45 18015 5567 12448 199168 645000 55500 185625 700500 830625
2029 46 18015 5567 12448 211616 663000 64500 223125 727500 886125
2030 47 18015 5567 12448 224064 681000 76500 266250 757500 947250
2031 48 18015 5567 12448 236512 699000 92250 316875 791250 1015875
2032 49 18015 5567 12448 248960 717000 112500 375000 829500 1092000
2033 50 18015 5567 12448 261408 735000 135000 440625 870000 1175625
2034 51 18015 5567 12448 273856 753000 159375 513750 912375 1266750
2035 52 18015 5567 12448 286304 771000 185625 596250 956625 1367250
2036 53 18015 5567 12448 298752 789000 213750 688125 1002750 1477125
2037 54 18015 5567 12448 311200 807000 243750 791250 1050750 1598250
2038 55 18015 5567 12448 323648 825000 274125 905625 1099125 1730625
2039 56 18015 5567 12448 336096 843000 304875 1031250 1147875 1874250
2040 57 18015 5567 12448 348544 861000 336000 1168125 1197000 2029125
2041 58 18015 5567 12448 360992 879000 367500 1316250 1246500 2195250
2042 59 18015 5567 12448 373440 897000 399375 1475625 1296375 2372625
2043 60 18015 5567 12448 385888 915000 432000 1646250 1347000 2561250
2044 61 18015 5567 12448 398336 933000 465375 1828125 1398375 2761125
2045 62 18015 5567 12448 410784 951000 499500 2021250 1450500 2972250
2046 63 18015 5567 12448 423232 969000 534375 2225625 1503375 3194625
2047 64 18015 5567 12448 435680 987000 570000 2441250 1557000 3428250

630525 194845 435680

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.
 R. SUBRAMANI
INSURANCE AND INVESTMENT CONSULTANT

F-1, MARUTHI FLATS, B- BLOCK, 31, VENKATESA NAGAR,

2nd MAIN ROAD, Extn 2, VIRUGAMBAKKAM, CHENNAI:600092.
TEL:044-23764006/MOBILE:9841080111
e-mail:ajaysubra@yahoo.com

Jeevan Saral Plan Presentation

Jeevan Saral Plan Continued ... Pg. 3

Name : Mr. Sivaganesh Age : 30 years

Term : 35 Years Mode : Yearly

Premium Budget p. m. : 1500 Installment Premium : 17640

Term Rider : 0 Term Rider Premium : 0

DAB : 375000 DAB Premium : 375

Total Installment Premium : 18015 Total Annual Premium : 18015

Section 80 CCE Invst. Limit : 100000 Section 80 CCE Tax Savings : 30.90 %

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
2013 30 18015 5567 12448 12448 0 0 0 0 0
2014 31 18015 5567 12448 24896 0 0 0 0 0
2015 32 18015 5567 12448 37344 30732 0 0 30732 30732
2016 33 18015 5567 12448 49792 49194 0 0 49194 49194
2017 34 18015 5567 12448 62240 70890 0 0 70890 70890
2018 35 18015 5567 12448 74688 88185 0 0 88185 88185
2019 36 18015 5567 12448 87136 106215 0 0 106215 106215
2020 37 18015 5567 12448 99584 125010 0 0 125010 125010
2021 38 18015 5567 12448 112032 144705 0 0 144705 144705
2022 39 18015 5567 12448 124480 165795 26250 67500 192045 233295
2023 40 18015 5567 12448 136928 188235 30000 75000 218235 263235
2024 41 18015 5567 12448 149376 210690 34125 86250 244815 296940
2025 42 18015 5567 12448 161824 234960 38625 103125 273585 338085
2026 43 18015 5567 12448 174272 261015 43500 125625 304515 386640
2027 44 18015 5567 12448 186720 289500 48750 153750 338250 443250
2028 45 18015 5567 12448 199168 313245 55500 185625 368745 498870
2029 46 18015 5567 12448 211616 337125 64500 223125 401625 560250
2030 47 18015 5567 12448 224064 361365 76500 266250 437865 627615
2031 48 18015 5567 12448 236512 385620 92250 316875 477870 702495
2032 49 18015 5567 12448 248960 410175 112500 375000 522675 785175
2033 50 18015 5567 12448 261408 434625 135000 440625 569625 875250
2034 51 18015 5567 12448 273856 459300 159375 513750 618675 973050
2035 52 18015 5567 12448 286304 483705 185625 596250 669330 1079955
2036 53 18015 5567 12448 298752 508245 213750 688125 721995 1196370
2037 54 18015 5567 12448 311200 532380 243750 791250 776130 1323630
2038 55 18015 5567 12448 323648 556545 274125 905625 830670 1462170
2039 56 18015 5567 12448 336096 580110 304875 1031250 884985 1611360
2040 57 18015 5567 12448 348544 603570 336000 1168125 939570 1771695
2041 58 18015 5567 12448 360992 626790 367500 1316250 994290 1943040
2042 59 18015 5567 12448 373440 649785 399375 1475625 1049160 2125410
2043 60 18015 5567 12448 385888 671205 432000 1646250 1103205 2317455
2044 61 18015 5567 12448 398336 693060 465375 1828125 1158435 2521185
2045 62 18015 5567 12448 410784 713175 499500 2021250 1212675 2734425
2046 63 18015 5567 12448 423232 732960 534375 2225625 1267335 2958585
2047 64 18015 5567 12448 435680 752370 570000 2441250 1322370 3193620

630525 194845 435680

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.