"Insure & be secure"

A presentation specially compiled for

Mr. Manpreet

Presented by :-
RADHA MADHAV INVESTMENT SOLUTIONS
Sample Report For Demonstration Purpose Only
1563, PHASE 5, MOHALI Chandigarh
Tel: 07837310389 e-mail. sumitbhandarichd@gmail.com
 RADHA MADHAV INVESTMENT SOLUTIONS
Sample Report For Demonstration Purpose Only

1563, PHASE 5, MOHALI

Chandigarh
Tel: 07837310389
e-mail. sumitbhandarichd@gmail.com

Magic Mix Illustration for Mr. Manpreet (age 32) Ref. No. 000032a

Proposed Insurance

Term/ Basic Sum Term Accident Crit.Illness. Premium Install. Tax

Id Com.Date Plan Name PPT Assured Rider SA Rider SA Rider SA Waiver Md. Premium Beneficiary

1 02/03/11 5-Whole Life Ltd.Pay.WP 38/38 20,00,000 0 20,00,000 0 - Y 55,230

20,00,000 0 20,00,000 0

Annual Premium: 55,230

Modewise Summary of Installment Premiums

Interim * Bonus #Assu PREMIUM

Id Com. Date Plan/Tm/PPT Bonus Rate Step FAB SSS Monthly Quaterly Half Yearly Yearly
Rate Rate

1 02/03/11 5/38/38 70 70 0.00 3550 4,750 4,996 14,250 28,057 55,230

4,750 4,996 14,250 28,057 55,230

1. '*' : - Assuming LIC will declare the above mentioned bonus rates for the year ended 31-Mar- 2011

2. '#' : - Assuming that bonus rate declared by LIC will increase/decrease per year by step rate mentioned above.

3. '%' : - Assumed Growth Rate

Medical Requirement Details

Sum at Risk: 20,00,000 Medical by DMR: No

FBS, Lipidogram, Elisa for HIV, Hb%

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.
 RADHA MADHAV INVESTMENT SOLUTIONS
Sample Report For Demonstration Purpose Only

1563, PHASE 5, MOHALI

Chandigarh
Tel: 07837310389
e-mail. sumitbhandarichd@gmail.com

Magic Mix Illustration for Mr. Manpreet (age 32) Ref. No. 000032a

Forecast of Insurance Benefits

Fin. Year Risk Cover Additional Cover For the Year Cash Loan
Ending Ag (Natural Death) Accident Crit. Ill. PWB Premium Returns Cash Flow Value Available

31/03/11 32 21,40,000 20,00,000 0 0 55,230 0 -55,230 0 0

31/03/12 33 22,80,000 20,00,000 0 0 55,230 0 -55,230 0 0
31/03/13 34 24,20,000 20,00,000 0 0 55,230 0 -55,230 31,938 28,750
31/03/14 35 25,60,000 20,00,000 0 0 55,230 0 -55,230 76,971 69,250
31/03/15 36 27,00,000 20,00,000 0 0 55,230 0 -55,230 1,10,972 99,750
31/03/16 37 28,40,000 20,00,000 0 0 55,230 0 -55,230 1,50,265 1,35,250
31/03/17 38 29,80,000 20,00,000 0 0 55,230 0 -55,230 1,95,774 1,76,250
31/03/18 39 31,20,000 20,00,000 0 0 55,230 0 -55,230 2,35,753 2,12,250
31/03/19 40 32,60,000 20,00,000 0 0 55,230 0 -55,230 2,78,392 2,50,500
31/03/20 41 34,00,000 20,00,000 0 0 55,230 0 -55,230 3,23,901 2,91,500
31/03/21 42 35,40,000 20,00,000 0 0 55,230 0 -55,230 3,72,210 3,35,000
31/03/22 43 36,80,000 20,00,000 0 0 55,230 0 -55,230 4,23,599 3,81,250
31/03/23 44 38,20,000 20,00,000 0 0 55,230 0 -55,230 4,78,236 4,30,500
31/03/24 45 39,60,000 20,00,000 0 0 55,230 0 -55,230 5,36,289 4,82,750
31/03/25 46 41,40,000 20,00,000 0 0 55,230 0 -55,230 5,97,926 5,38,250
31/03/26 47 42,90,000 20,00,000 0 0 55,230 0 -55,230 6,63,315 5,97,000
31/03/27 48 44,40,000 20,00,000 0 0 55,230 0 -55,230 7,32,624 6,59,250
31/03/28 49 45,90,000 20,00,000 0 0 55,230 0 -55,230 8,05,783 7,25,250
31/03/29 50 47,60,000 20,00,000 0 0 55,230 0 -55,230 8,83,170 7,94,750
31/03/30 51 49,40,000 20,00,000 0 0 55,230 0 -55,230 9,64,953 8,68,500
31/03/31 52 51,40,000 20,00,000 0 0 55,230 0 -55,230 10,51,300 9,46,250
31/03/32 53 53,80,000 20,00,000 0 0 55,230 0 -55,230 11,36,205 10,22,500
31/03/33 54 57,20,000 20,00,000 0 0 55,230 0 -55,230 12,37,434 11,13,750
31/03/34 55 60,60,000 20,00,000 0 0 55,230 0 -55,230 13,51,223 12,16,000
31/03/35 56 64,00,000 20,00,000 0 0 55,230 0 -55,230 14,74,276 13,26,750
31/03/36 57 67,40,000 20,00,000 0 0 55,230 0 -55,230 16,04,144 14,43,750
31/03/37 58 71,20,000 20,00,000 0 0 55,230 0 -55,230 17,41,002 15,67,000
31/03/38 59 75,00,000 20,00,000 0 0 55,230 0 -55,230 18,84,496 16,96,000
31/03/39 60 78,80,000 20,00,000 0 0 55,230 0 -55,230 20,34,743 18,31,250
31/03/40 61 84,00,000 20,00,000 0 0 55,230 0 -55,230 21,92,422 19,73,250
31/03/41 62 89,40,000 20,00,000 0 0 55,230 0 -55,230 23,55,958 21,20,250
31/03/42 63 95,80,000 20,00,000 0 0 55,230 0 -55,230 25,26,553 22,74,000
31/03/43 64 1,02,20,000 20,00,000 0 0 55,230 0 -55,230 27,03,704 24,33,250
31/03/44 65 1,08,60,000 20,00,000 0 0 55,230 0 -55,230 28,87,467 25,98,750
31/03/45 66 1,15,00,000 20,00,000 0 0 55,230 0 -55,230 30,77,901 27,70,000
31/03/46 67 1,21,40,000 20,00,000 0 0 55,230 0 -55,230 32,73,704 29,46,250
31/03/47 68 1,27,80,000 20,00,000 0 0 55,230 0 -55,230 34,75,517 31,28,000
31/03/48 69 1,34,20,000 20,00,000 0 0 55,230 0 -55,230 36,83,339 33,15,000
31/03/49 70 1,40,60,000 0 0 0 0 0 0 38,68,619 34,81,750
31/03/50 71 1,47,00,000 0 0 0 0 0 0 40,57,493 36,51,750
31/03/51 72 1,48,40,000 0 0 0 0 0 0 42,49,919 38,25,000
31/03/52 73 1,49,80,000 0 0 0 0 0 0 44,45,082 40,00,500
31/03/53 74 1,51,20,000 0 0 0 0 0 0 46,42,895 41,78,500
31/03/54 75 1,52,60,000 0 0 0 0 0 0 48,42,476 43,58,250
31/03/55 76 1,54,00,000 0 0 0 0 0 0 50,44,511 45,40,000
31/03/56 77 1,55,40,000 0 0 0 0 0 0 52,48,920 47,24,000
31/03/57 78 1,56,80,000 0 0 0 0 0 0 54,53,928 49,08,500

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.
 RADHA MADHAV INVESTMENT SOLUTIONS
Sample Report For Demonstration Purpose Only

1563, PHASE 5, MOHALI

Chandigarh
Tel: 07837310389
e-mail. sumitbhandarichd@gmail.com

Magic Mix Illustration for Mr. Manpreet (age 32) Ref. No. 000032a

Fin. Year Risk Cover Additional Cover For the Year Cash Loan
Ending Ag (Natural Death) Accident Crit. Ill. PWB Premium Returns Cash Flow Value Available

31/03/58 79 1,58,20,000 0 0 0 0 0 0 1,46,18,312 50,95,000

02/03/59 80 0 0 0 0 0 1,58,20,000 1,58,20,000 0 0

20,98,740 1,58,20,000 1,37,21,260

K e y A s s u m p t i o n s

Personal Data: DOB: 01/01/1979

Income Tax: Sec. 80CCE Limit Available: 100000 Sec. 80D Limit Available: 10000
Tax Savings on premiums will be @ 30.90 % u/s 80CCE and @ 30.90 % u/s 80D

Projections: Bonus: On applicable plans, Forecasted Bonus has been considered for the purpose of projected Riskcover, Returns, Cash Value
and Loan calculations
Terminal Bonus: On applicable plans Terminal Bonus has been considered (On applicable plans last declared Terminal Bonus
Rates have been considered in the above calculations).
Loyalty Addition: Loyalty Addition has been considered on applicable plans, on the basis of indicative rates given by LIC or is
based on consistent return of 10.00 %

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.
 RADHA MADHAV INVESTMENT SOLUTIONS
Sample Report For Demonstration Purpose Only

1563, PHASE 5, MOHALI

Chandigarh
Tel: 07837310389
e-mail. sumitbhandarichd@gmail.com

Magic Mix Illustration for Mr. Manpreet (age 32) Ref. No. 000032a

Premium Breakup & Tax Implication (for the year)

Premium Breakup u/s 80 CCE u/s 80 D

Fin. Year Term Critical Other Eligible Tax Ben. Eligible Tax Ben. Total
Ending Basic Rider DAB Illness PWB Rider Total Amount @30.9% Amount @30.9% Benefit
31/03/11 53,230 0 2,000 0 0 0 55,230 55,230 17,066 0 0 17,066
31/03/12 53,230 0 2,000 0 0 0 55,230 55,230 17,066 0 0 17,066
31/03/13 53,230 0 2,000 0 0 0 55,230 55,230 17,066 0 0 17,066
31/03/14 53,230 0 2,000 0 0 0 55,230 55,230 17,066 0 0 17,066
31/03/15 53,230 0 2,000 0 0 0 55,230 55,230 17,066 0 0 17,066
31/03/16 53,230 0 2,000 0 0 0 55,230 55,230 17,066 0 0 17,066
31/03/17 53,230 0 2,000 0 0 0 55,230 55,230 17,066 0 0 17,066
31/03/18 53,230 0 2,000 0 0 0 55,230 55,230 17,066 0 0 17,066
31/03/19 53,230 0 2,000 0 0 0 55,230 55,230 17,066 0 0 17,066
31/03/20 53,230 0 2,000 0 0 0 55,230 55,230 17,066 0 0 17,066
31/03/21 53,230 0 2,000 0 0 0 55,230 55,230 17,066 0 0 17,066
31/03/22 53,230 0 2,000 0 0 0 55,230 55,230 17,066 0 0 17,066
31/03/23 53,230 0 2,000 0 0 0 55,230 55,230 17,066 0 0 17,066
31/03/24 53,230 0 2,000 0 0 0 55,230 55,230 17,066 0 0 17,066
31/03/25 53,230 0 2,000 0 0 0 55,230 55,230 17,066 0 0 17,066
31/03/26 53,230 0 2,000 0 0 0 55,230 55,230 17,066 0 0 17,066
31/03/27 53,230 0 2,000 0 0 0 55,230 55,230 17,066 0 0 17,066
31/03/28 53,230 0 2,000 0 0 0 55,230 55,230 17,066 0 0 17,066
31/03/29 53,230 0 2,000 0 0 0 55,230 55,230 17,066 0 0 17,066
31/03/30 53,230 0 2,000 0 0 0 55,230 55,230 17,066 0 0 17,066
31/03/31 53,230 0 2,000 0 0 0 55,230 55,230 17,066 0 0 17,066
31/03/32 53,230 0 2,000 0 0 0 55,230 55,230 17,066 0 0 17,066
31/03/33 53,230 0 2,000 0 0 0 55,230 55,230 17,066 0 0 17,066
31/03/34 53,230 0 2,000 0 0 0 55,230 55,230 17,066 0 0 17,066
31/03/35 53,230 0 2,000 0 0 0 55,230 55,230 17,066 0 0 17,066
31/03/36 53,230 0 2,000 0 0 0 55,230 55,230 17,066 0 0 17,066
31/03/37 53,230 0 2,000 0 0 0 55,230 55,230 17,066 0 0 17,066
31/03/38 53,230 0 2,000 0 0 0 55,230 55,230 17,066 0 0 17,066
31/03/39 53,230 0 2,000 0 0 0 55,230 55,230 17,066 0 0 17,066
31/03/40 53,230 0 2,000 0 0 0 55,230 55,230 17,066 0 0 17,066
31/03/41 53,230 0 2,000 0 0 0 55,230 55,230 17,066 0 0 17,066
31/03/42 53,230 0 2,000 0 0 0 55,230 55,230 17,066 0 0 17,066
31/03/43 53,230 0 2,000 0 0 0 55,230 55,230 17,066 0 0 17,066
31/03/44 53,230 0 2,000 0 0 0 55,230 55,230 17,066 0 0 17,066
31/03/45 53,230 0 2,000 0 0 0 55,230 55,230 17,066 0 0 17,066
31/03/46 53,230 0 2,000 0 0 0 55,230 55,230 17,066 0 0 17,066
31/03/47 53,230 0 2,000 0 0 0 55,230 55,230 17,066 0 0 17,066
31/03/48 53,230 0 2,000 0 0 0 55,230 55,230 17,066 0 0 17,066

20,22,740 0 76,000 0 0 0 20,98,740 20,98,740 6,48,508 0 0 6,48,508

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.
 RADHA MADHAV INVESTMENT SOLUTIONS
Sample Report For Demonstration Purpose Only

1563, PHASE 5, MOHALI

Chandigarh
Tel: 07837310389
e-mail. sumitbhandarichd@gmail.com

Magic Mix Illustration for Mr. Manpreet (age 32) Ref. No. 000032a

Premium Calendar

Id Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar

1 - - - - - - - - - - - 55,230

- - - - - - - - - - - 55,230

Annual Premium : 55,230

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.
 RADHA MADHAV INVESTMENT SOLUTIONS
Sample Report For Demonstration Purpose Only

1563, PHASE 5, MOHALI

Chandigarh
Tel: 07837310389
e-mail. sumitbhandarichd@gmail.com

Magic Mix Illustration for Mr. Manpreet (age 32) Ref. No. 000032a

Innovative Forecast of Insurance Benefits

Fin. Year Risk Cover Additional Cover For the Year Cash Loan
Ending Age (Natural Death) Accident Critical Ill. PWB Payment Returns Cash Flow Value Available

31/03/11 32 21,40,000 20,00,000 0 0 55,230 0 -55,230 0 0

31/03/12 33 22,80,000 20,00,000 0 0 55,230 0 -55,230 0 0
31/03/13 34 24,20,000 20,00,000 0 0 55,230 0 -55,230 31,938 28,750
31/03/14 35 25,60,000 20,00,000 0 0 55,230 0 -55,230 76,971 69,250
31/03/15 36 27,00,000 20,00,000 0 0 55,230 0 -55,230 1,10,972 99,750
31/03/16 37 28,40,000 20,00,000 0 0 55,230 0 -55,230 1,50,265 1,35,250
31/03/17 38 29,80,000 20,00,000 0 0 55,230 0 -55,230 1,95,774 1,76,250
31/03/18 39 31,20,000 20,00,000 0 0 55,230 0 -55,230 2,35,753 2,12,250
31/03/19 40 32,60,000 20,00,000 0 0 55,230 0 -55,230 2,78,392 2,50,500
31/03/20 41 34,00,000 20,00,000 0 0 55,230 0 -55,230 3,23,901 2,91,500
31/03/21 42 35,40,000 20,00,000 0 0 55,230 0 -55,230 3,72,210 3,35,000
31/03/22 43 36,80,000 20,00,000 0 0 55,230 0 -55,230 4,23,599 3,81,250
31/03/23 44 38,20,000 20,00,000 0 0 55,230 0 -55,230 4,78,236 4,30,500
31/03/24 45 39,60,000 20,00,000 0 0 55,230 0 -55,230 5,36,289 4,82,750
31/03/25 46 41,40,000 20,00,000 0 0 55,230 0 -55,230 5,97,926 5,38,250
31/03/26 47 42,90,000 20,00,000 0 0 55,230 0 -55,230 6,63,315 5,97,000
31/03/27 48 44,40,000 20,00,000 0 0 55,230 0 -55,230 7,32,624 6,59,250
31/03/28 49 45,90,000 20,00,000 0 0 55,230 0 -55,230 8,05,783 7,25,250
31/03/29 50 47,60,000 20,00,000 0 0 55,230 0 -55,230 8,83,170 7,94,750
31/03/30 51 49,40,000 20,00,000 0 0 55,230 0 -55,230 9,64,953 8,68,500
31/03/31 52 51,40,000 20,00,000 0 0 55,230 0 -55,230 10,51,300 9,46,250
31/03/32 53 53,80,000 20,00,000 0 0 55,230 0 -55,230 11,36,205 10,22,500
31/03/33 54 57,20,000 20,00,000 0 0 55,230 0 -55,230 12,37,434 11,13,750
31/03/34 55 60,60,000 20,00,000 0 0 55,230 0 -55,230 13,51,223 12,16,000
31/03/35 56 64,00,000 20,00,000 0 0 55,230 0 -55,230 14,74,276 13,26,750
31/03/36 57 67,40,000 20,00,000 0 0 55,230 0 -55,230 16,04,144 14,43,750
31/03/37 58 71,20,000 20,00,000 0 0 55,230 0 -55,230 17,41,002 15,67,000
31/03/38 59 75,00,000 20,00,000 0 0 55,230 0 -55,230 18,84,496 16,96,000
31/03/39 60 78,80,000 20,00,000 0 0 55,230 0 -55,230 20,34,743 18,31,250
31/03/40 61 84,00,000 20,00,000 0 0 55,230 0 -55,230 21,92,422 19,73,250
31/03/41 62 89,40,000 20,00,000 0 0 55,230 0 -55,230 23,55,958 21,20,250
31/03/42 63 95,80,000 20,00,000 0 0 55,230 0 -55,230 25,26,553 22,74,000
31/03/43 64 1,02,20,000 20,00,000 0 0 55,230 0 -55,230 27,03,704 24,33,250
31/03/44 65 1,08,60,000 20,00,000 0 0 55,230 0 -55,230 28,87,467 25,98,750
31/03/45 66 1,15,00,000 20,00,000 0 0 55,230 0 -55,230 30,77,901 27,70,000
31/03/46 67 1,21,40,000 20,00,000 0 0 55,230 0 -55,230 32,73,704 29,46,250
31/03/47 68 1,27,80,000 20,00,000 0 0 55,230 0 -55,230 34,75,517 31,28,000
31/03/48 69 1,34,20,000 20,00,000 0 0 55,230 0 -55,230 36,83,339 33,15,000
31/03/49 70 1,40,60,000 0 0 0 0 0 0 38,68,619 34,81,750
31/03/50 71 1,47,00,000 0 0 0 0 0 0 40,57,493 36,51,750
31/03/51 72 1,48,40,000 0 0 0 0 0 0 42,49,919 38,25,000
31/03/52 73 1,49,80,000 0 0 0 0 0 0 44,45,082 40,00,500
31/03/53 74 1,51,20,000 0 0 0 0 0 0 46,42,895 41,78,500
31/03/54 75 1,52,60,000 0 0 0 0 0 0 48,42,476 43,58,250
31/03/55 76 1,54,00,000 0 0 0 0 0 0 50,44,511 45,40,000
31/03/56 77 1,55,40,000 0 0 0 0 0 0 52,48,920 47,24,000
31/03/57 78 1,56,80,000 0 0 0 0 0 0 54,53,928 49,08,500

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.
 RADHA MADHAV INVESTMENT SOLUTIONS
Sample Report For Demonstration Purpose Only

1563, PHASE 5, MOHALI

Chandigarh
Tel: 07837310389
e-mail. sumitbhandarichd@gmail.com

Magic Mix Illustration for Mr. Manpreet (age 32) Ref. No. 000032a

Fin. Year Risk Cover Additional Cover For the Year Cash Loan
Ending Age (Natural Death) Accident Critical Ill. PWB Payment Returns Cash Flow Value Available

31/03/58 79 1,58,20,000 0 0 0 0 0 0 1,46,18,312 50,95,000

02/03/59 80 0 0 0 0 0 1,58,20,000 1,58,20,000 0 0
20,98,740 1,58,20,000 1,37,21,260

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.