Plan Details, Benefits,

Presentation and Ready Reckoner

Compiled By:
Kamlesh Gurbuxani, AIII, CFPCM
Development officer

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 Jeevan Shiromani
Exclusive Policy for Exclusive People
• It Covers 3 major hazards which affects your income:

Death:
• In event of your death your spouse will get 125% of face value of policy along with
Guaranteed and loyalty additions.

For Example:
For policy of face value of ` one crore, Natural Death Benefit during first year itself
will be `1.30 Crores and goes on increasing as shown under presentation. In case of
accidental death, additional one crore is payable.

• You also have option to choose payment of Death Benefit to your spouse in Yearly /
half Yearly / Quarterly / Monthly instalments spread over the period of 5/10/15
years. This will insure payment of regular tax free income to your spouse without
bothering about investment of lump sum amount.

Disability:
In event of your permanent Disability due to accident following benefits are payable
under policy of face value of `one crore:

• All future premiums payable under the policy are waived.

• You will get ` 83,333 per month for next 10 years to overcome loss of income.
• All benefits payable under the policy will be paid on due dates as shown under
presentation to take care of your future expenses.

Critical Illness:
In event of detection of any one of 15 specified Critical illnesses following benefits are
payable under policy of face value of `one crore:

• ` 10,00,000 will be paid immediately to sustain loss of income due to critical illness.
• Option of deferment of premiums payable under the policy during the period of 2
years without interest from date of admission of critical illness claim.

• Optional Riders:
Term Assurance Rider:
• By opting for this rider your Death Benefit will increase by another 25 lakhs with
slight increase in premium.

Critical Illness Rider:

• You can also increase Critical Illness Benefit payable by another 25 lakhs by paying
little more premium.

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 • Innovative Features:
Premium Holiday for 4 years:
For any selected policy term you have to pay premiums for 4 years less than policy term, this
will insure fulfilment of your commitment to pay premiums much earlier.
Guaranteed Returns with Provision of Loyalty Additions:
For policy of face value of `One Crore, ` 5 lakhs will be added under the policy for 1st five years
and ` 5.50 lakhs will be added from 6th year onwards till end of premium paying term, in
addition to this loyalty additions are also payable from 6th year onwards. This will help you to
make your future plans accordingly as receipt of amount shown under presentation is almost
guaranteed.

Option to Postpone Receipt of Amount Payable During Policy Term to Suit your need of
money requirement for Education, Marriage or Start in life provision of your Children:
For Example under policy of face value of ` One Crore of 20 years Term, ` 45 lakhs are payable
at the beginning of 17th and 19th year. You have the option to postpone the receipt of said
amounts to coincide with your need of money for Education, Marriage or Start in life Provision
of your children. You can even defer the receipt of above amounts to be paid along with
Maturity amount payable under the policy. Interest will also be paid on any such deferment.

Option to Receive Maturity Amount in Instalments for Guaranteed Tax Free Income:
You have the option to receive the Maturity Amount (Including any deferred amount) in Yearly
/ Half- yearly / Quarterly / Monthly instalments spread over the period of 5/10/15 years with
interest. This will provide you Guaranteed Tax Free Income for the selected period.

Loan Facility:
In case of urgent need of money, you have option to take loan against policy @9.50% interest
even after one year from the issue of policy as shown under the presentation.

Proportionate Benefits:
In case of unavoidable circumstances when you would not able to continue paying the
premiums, you will be entitled to proportionate Benefits as shown under the presentation
corresponding to number of years for which premiums are already paid by you. This will insure
that there will be no loss of benefits even after payment of premiums for one year.

• Exclusive Privileges and Facilities:

Dedicated Relationship Manager:
You will be provided dedicated relationship manager for any of your servicing requirements in
addition to your Agent / Development Officer.

Life Time Free LIC Signature Credit Card:

Apart from host of other facilities under the card you will be entitled to access Airport Lounges
at select airports (Twice in a Quarter) on payment of token fees of `2 only.

Complete Solution for your Health, Wealth and Happiness in one Policy

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 Jeevan Shiromani
Exclusive Policy for Exclusive People

Policy Term: 14 years

Premium Paying Term: 10 years Sum Assured: 10000000

BENEFITS ILLUSTRATION
Cash Value at Loan Available at
Policy *Death Benefit Critical Illness *Returns at
Beginning of the End of the the End of the
Year Natural Death Accidental Death Benefit
the Year Year Year
1 13000000 23000000 1000000 0 282000 253800
2 13500000 23500000 1000000 0 1180200 1062180
3 14000000 24000000 1000000 0 1908900 1718010
4 14500000 24500000 1000000 0 2744400 2469960
5 15000000 25000000 1000000 0 3942000 3547800
6 15850000 25850000 1000000 0 5130660 4617594
7 16550000 26550000 1000000 0 6458620 5812758
8 17250000 27250000 1000000 0 8368235 7531412
9 18000000 28000000 1000000 0 10753710 9678339
10 18800000 28800000 1000000 0 13711975 12340778
11 19600000 29600000 1000000 3000000 11953925 10758533
12 20400000 30400000 1000000 0 12715750 11444175
13 21250000 31250000 1000000 3000000 10495350 9445815
14 22100000 32100000 1000000 0
15 Maturity 11400000

Proportionate Benefits Illustration

Critical Illness Returns at Returns at Maturity at
Premiums Paid *Death Benefit
Benefit for Beginning of Beginning of Beginning of
for Years for Balance Term
Balance Term 11th Year 13th Year 15th Year
1 1750000 100000 300000 300000 900000
2 3500000 200000 600000 600000 1800000
3 5250000 300000 900000 900000 2700000
4 7000000 400000 1200000 1200000 3600000
5 9050000 500000 1500000 1500000 4800000
6 11000000 600000 1800000 1800000 5900000
7 12950000 700000 2100000 2100000 7000000
8 14950000 800000 2400000 2400000 8150000
9 17000000 900000 2700000 2700000 9350000

* Loyalty Rates are assumed @8% Gross Investment Returns

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 Jeevan Shiromani
Exclusive Policy for Exclusive People

Policy Term: 16 years

Premium Paying Term: 12 years Sum Assured: 10000000

BENEFITS ILLUSTRATION
*Death Benefit *Returns at Cash Value at Loan Available at
Policy Critical Illness
Beginning of the End of the the End of the
Year Natural Death Accidental Death Benefit
the Year Year Year
1 13000000 23000000 1000000 0 229333 206400
2 13500000 23500000 1000000 0 923200 830880
3 14000000 24000000 1000000 0 1492400 1343160
4 14500000 24500000 1000000 0 2145067 1930560
5 15000000 25000000 1000000 0 3140000 2826000
6 15800000 25800000 1000000 0 4112570 3701313
7 16450000 26450000 1000000 0 5179877 4661889
8 17150000 27150000 1000000 0 6413363 5772027
9 17900000 27900000 1000000 0 7785680 7007112
10 18650000 28650000 1000000 0 9779492 8801543
11 19450000 29450000 1000000 0 12201443 10981299
12 20250000 30250000 1000000 0 14966390 13469751
13 21100000 31100000 1000000 3500000 12889090 11600181
14 21950000 31950000 1000000 0 13759515 12383564
15 22850000 32850000 1000000 3500000 11277690 10149921
16 23750000 33750000 1000000 0
17 Maturity 12050000

Proportionate Benefits Illustration

Critical Illness Returns at Returns at Maturity at
Premiums Paid *Death Benefit
Benefit for Beginning of Beginning of Beginning of
for Years for Balance Term
Balance Term 13th Year 15th Year 17th Year
1 1541667 83333 291667 291667 750000
2 3083333 166667 583333 583333 1500000
3 4625000 250000 875000 875000 2250000
4 6166667 333333 1166667 1166667 3000000
5 7958333 416667 1458333 1458333 4000000
6 9650000 500000 1750000 1750000 4900000
7 11391667 583333 2041667 2041667 5850000
8 13183333 666667 2333333 2333333 6850000
9 14975000 750000 2625000 2625000 7850000
10 16816667 833333 2916667 2916667 8900000
11 18658333 916667 3208333 3208333 9950000

* Loyalty Rates are assumed @8% Gross Investment Returns

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 Jeevan Shiromani
Exclusive Policy for Exclusive People

Policy Term: 18 years

Premium Paying Term: 14 years Sum Assured: 10000000

BENEFITS ILLUSTRATION
*Death Benefit Cash Value at Loan Available
Policy Critical Illness *Returns at
Beginning of the End of the at the End of
Year Natural Death Accidental Death Benefit
the Year Year the Year
1 13000000 23000000 1000000 0 190643 171579
2 13500000 23500000 1000000 0 726629 653966
3 14000000 24000000 1000000 0 1174093 1056684
4 14500000 24500000 1000000 0 1686400 1517760
5 15000000 25000000 1000000 0 2471321 2224189
6 15750000 25750000 1000000 0 3257026 2931324
7 16400000 26400000 1000000 0 4186700 3768030
8 17100000 27100000 1000000 0 5219445 4697501
9 17800000 27800000 1000000 0 6329787 5696808
10 18550000 28550000 1000000 0 7555821 6800239
11 19300000 29300000 1000000 0 8967651 8070886
12 20100000 30100000 1000000 0 10988536 9889683
13 20900000 30900000 1000000 0 13539323 12185391
14 21800000 31800000 1000000 0 16371145 14734031
15 22700000 32700000 1000000 4000000 13930045 12537041
16 23600000 33600000 1000000 0 14776350 13298715
17 23950000 33950000 1000000 4000000 11969430 10772487
18 24350000 34350000 1000000 0
19 Maturity 12750000

Proportionate Benefits Illustration

Critical Illness Returns at Returns at Maturity at
Premiums *Death Benefit
Benefit for Beginning of Beginning of Beginning of
Paid for Years for Balance Term
Balance Term 15th Year 17th Year 19th Year
1 1392857 71429 285714 285714 642857
2 2785714 142857 571429 571429 1285714
3 4178571 214286 857143 857143 1928571
4 5571429 285714 1142857 1142857 2571429
5 7164286 357143 1428571 1428571 3414286
6 8707143 428571 1714286 1714286 4207143
7 10300000 500000 2000000 2000000 5050000
8 11892857 571429 2285714 2285714 5892857
9 13535714 642857 2571429 2571429 6785714
10 15178571 714286 2857143 2857143 7678571
11 16871429 785714 3142857 3142857 8621429
12 18564286 857143 3428571 3428571 9564286
13 20357143 928571 3714286 3714286 10607143
* Loyalty Rates are assumed @8% Gross Investment Returns

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 Jeevan Shiromani
Exclusive Policy for Exclusive People
Policy Term: 20 years
Premium Paying Term: 16 years Sum Assured: 10000000
BENEFITS ILLUSTRATION
*Death Benefit Cash Value at Loan Available
Policy Critical Illness *Returns at
Year Natural Death Accidental Benefit Beginning of the End of the at the End of
Death the Year Year the Year
1 13000000 23000000 1000000 0 162000 145800
2 13500000 23500000 1000000 0 583425 525083
3 14000000 24000000 1000000 0 941963 847766
4 14500000 24500000 1000000 0 1352700 1217430
5 15000000 25000000 1000000 0 1970813 1773731
6 15700000 25700000 1000000 0 2620480 2358432
7 16350000 26350000 1000000 0 3343815 3009434
8 17000000 27000000 1000000 0 4200260 3780234
9 17700000 27700000 1000000 0 5148603 4633742
10 18400000 28400000 1000000 0 6248100 5623290
11 19150000 29150000 1000000 0 7362150 6625935
12 19900000 29900000 1000000 0 8640500 7776450
13 20700000 30700000 1000000 0 10104150 9093735
14 21550000 31550000 1000000 0 12214540 10993086
15 22400000 32400000 1000000 0 14858650 13372785
16 23350000 33350000 1000000 0 17775585 15998027
17 23750000 33750000 1000000 4500000 14990515 13491464
18 24150000 34150000 1000000 0 15907555 14316800
19 24550000 34550000 1000000 4500000 12661170 11395053
20 24950000 34950000 1000000 0
21 Maturity 13450000
Proportionate Benefits Illustration
*Death Benefit Critical Illness Returns at Returns at Maturity at
Premiums
for Balance Benefit for Beginning of Beginning of Beginning of
Paid for Years
Term Balance Term 17th Year 19th Year 21st Year
1 1281250 62500 281250 281250 562500
2 2562500 125000 562500 562500 1125000
3 3843750 187500 843750 843750 1687500
4 5125000 250000 1125000 1125000 2250000
5 6556250 312500 1406250 1406250 2962500
6 7987500 375000 1687500 1687500 3675000
7 9418750 437500 1968750 1968750 4387500
8 10900000 500000 2250000 2250000 5150000
9 12381250 562500 2531250 2531250 5912500
10 13912500 625000 2812500 2812500 6725000
11 15443750 687500 3093750 3093750 7537500
12 17025000 750000 3375000 3375000 8400000
13 18656250 812500 3656250 3656250 9312500
14 20287500 875000 3937500 3937500 10225000
15 22018750 937500 4218750 4218750 11237500
* Loyalty Rates are assumed @8% Gross Investment Returns

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 Jeevan Shiromani - Premium Rates
Sum Assured 1 Crore 1 Crore
Policy Term /
PPT
14/10 16/12
Age NBD YLY HLY QLY MLY YLY HLY QLY MLY
18 1081690 546298 275875 91958 908710 458928 231750 77250
19 1082180 546545 276000 92000 909200 459175 231875 77292
20 1082670 546793 276125 92042 909200 459175 231875 77292

21 1083160 547040 276250 92083 909690 459423 232000 77333

22 1083160 547040 276250 92083 910180 459670 232125 77375
23 1083650 547288 276375 92125 910670 459918 232250 77417
24 1084140 547535 276500 92167 911160 460165 232375 77458
25 1084630 547783 276625 92208 911650 460413 232500 77500

26 1085120 548030 276750 92250 912140 460660 232625 77542

27 1086100 548525 277000 92333 913120 461155 232875 77625
28 1086590 548773 277125 92375 914100 461650 233125 77708
29 1087570 549268 277375 92458 915080 462145 233375 77792
30 1088550 549763 277625 92542 916550 462888 233750 77917

31 1090020 550505 278000 92667 918020 463630 234125 78042

32 1091490 551248 278375 92792 919490 464373 234500 78167
33 1093450 552238 278875 92958 921450 465363 235000 78333
34 1095410 553228 279375 93125 923900 466600 235625 78542
35 1097370 554218 279875 93292 926350 467838 236250 78750

36 1100310 555703 280625 93542 929290 469323 237000 79000

37 1103250 557188 281375 93792 932230 470808 237750 79250
38 1106680 558920 282250 94083 936150 472788 238750 79583
39 1110110 560653 283125 94375 940070 474768 239750 79917
40 1114030 562633 284125 94708 944480 476995 240875 80292

41 1118930 565108 285375 95125 949380 479470 242125 80708

42 1123830 567583 286625 95542 954280 481945 243375 81125
43 1129220 570305 288000 96000 960160 484915 244875 81625
44 1135100 573275 289500 96500 966530 488133 246500 82167
45 1141960 576740 291250 97083 972900 491350 248125 82708

46 1148820 580205 293000 97667 980250 495063 250000 83333

47 1156660 584165 295000 98333 988090 499023 252000 84000
48 1164500 588125 297000 99000 996420 503230 254125 84708
49 1173320 592580 299250 99750 1005730 507933 256500 85500
50 1182140 597035 301500 100500 1015040 512635 258875 86292

51 1191940 601985 304000 101333 1024840 517585 261375 87125

52 1202230 607183 306625 102208 - - - -
53 1213010 612628 309375 103125 - - - -
54 1224280 618320 312250 104083 - - - -
55 1236530 624508 315375 105125 - - - -
GST Extra: 4.5% For 1st Year and 2.25% from 2nd year onwards

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 Jeevan Shiromani - Premium Rates
Sum Assured 1 Crore 1 Crore
Policy Term /
PPT
18/14 20/16
Age NBD YLY HLY QLY MLY YLY HLY QLY MLY
18 781790 394823 199375 66458 694070 350518 177000 59000
19 782280 395070 199500 66500 694560 350765 177125 59042
20 782770 395318 199625 66542 695050 351013 177250 59083

21 783260 395565 199750 66583 695540 351260 177375 59125

22 783750 395813 199875 66625 696030 351508 177500 59167
23 784240 396060 200000 66667 696520 351755 177625 59208
24 784730 396308 200125 66708 697500 352250 177875 59292
25 785220 396555 200250 66750 697990 352498 178000 59333

26 786200 397050 200500 66833 698970 352993 178250 59417

27 787180 397545 200750 66917 700440 353735 178625 59542
28 788160 398040 201000 67000 701420 354230 178875 59625
29 789630 398783 201375 67125 702890 354973 179250 59750
30 791100 399525 201750 67250 704850 355963 179750 59917

31 792570 400268 202125 67375 706810 356953 180250 60083

32 794530 401258 202625 67542 708770 357943 180750 60250
33 796980 402495 203250 67750 711220 359180 181375 60458
34 799430 403733 203875 67958 714160 360665 182125 60708
35 801880 404970 204500 68167 717590 362398 183000 61000

36 805310 406703 205375 68458 721020 364130 183875 61292

37 808740 408435 206250 68750 724450 365863 184750 61583
38 812660 410415 207250 69083 728860 368090 185875 61958
39 816580 412395 208250 69417 733270 370318 187000 62333
40 821480 414870 209500 69833 738170 372793 188250 62750

41 826380 417345 210750 70250 744050 375763 189750 63250

42 831770 420068 212125 70708 749930 378733 191250 63750
43 838140 423285 213750 71250 756300 381950 192875 64292
44 844510 426503 215375 71792 763160 385415 194625 64875
45 851370 429968 217125 72375 771000 389375 196625 65542

46 859210 433928 219125 73042 859210 433928 219125 73042

47 867540 438135 221250 73750 867540 438135 221250 73750
48 875870 442343 223375 74458 875870 442343 223375 74458
49 859210 433928 219125 73042 859210 433928 219125 73042
50 867540 438135 221250 73750 867540 438135 221250 73750

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