Benefit Illustration

LIC's New Money Back Plan - 25 Years (T-921)

A Non-Linked, Participating, Individual, Life Assurance Savings Plan
(Unique Identification Number - 512N278V02)

Distribution channel Offline Agency name Agency code

Name of prospect Saiteja Barre Age of prospect 22 Date of illustration 20-07-2021
Name of life assured Saiteja Barre Age of life assured 22 Benefit UID 210720122620763345
Policy term 25 Premium paying term 20 Premium payment mode Monthly
Basic sum assured 2000000 Death sum assured 2500000 Instalment premium 9525.00
Bonus type Simple reversionary and final additional bonus

Premium summary
Particular Base plan Riders1 Total instalment premium
Instalment premium without GST 9525.00 9525.00
Instalment premium with GST @ 4.50% (1st year) 9954.00 9954.00
Instalment premium with GST @ 2.25% (2nd year onwards) 9739.31 9739.31
GST rate shall be as applicable from time to time

How to read and understand this benefit illustration?

This benefit illustration is intended to show year-wise premiums payable and benefits under the policy, at two assumed rates of interest i.e., 8% p.a. and 4% p.a.

Some benefits are guaranteed and some benefits are variable with returns based on the future performance of your insurer carrying on life insurance business. If your policy
offers guaranteed benefits then these will be clearly marked 'guaranteed' in the illustration table on this page. If your policy offers variable benefits then the illustrations on this
page will show two different rates of assumed future investment returns, of 8% p.a. and 4% p.a. These assumed rates of return are not guaranteed and they are not the upper
or lower limits of what you might get back, as the value of your policy is dependent on a number of factors including future investment performance.

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 (Amount in rupees)

Non-guaranteed Non-guaranteed Total benefits (including guaranteed and non-guaranteed benefits)

Guaranteed benefits
benefits @ 4% p.a. benefits @ 8% p.a. Maturity benefit Death benefit3 Surrender benefit4
Maturity Maturity Death Death
Annualised benefit, benefit, benefit, benefit,
Policy year premium2 ( incl. of incl. of incl. of incl. of
cumulative) final final final final Surrender Surrender
Survival Surrender Death Maturity Reversiona Surrender Reversiona Surrender
additional additional additional additional benefit @ benefit @
benefit benefit benefit benefit ry bonus benefit ry bonus benefit
bonus bonus bonus bonus 4% (4+8) 8% (4+10)
(FAB), if (FAB), if (FAB), if (FAB), if
any, @ 4% any, @ 8% any, @ 4% any, @ 8%
(6+7+FAB) (6+9+FAB) (5+7+FAB) (5+9+FAB)
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16)
1 111894 0 0 2500000 0 14000 0 60000 0 0 0 2514000 2560000 0 0

2 223788 0 67136 2500000 0 28000 0 120000 0 0 0 2528000 2620000 67136 67136

3 335682 0 117489 2500000 0 42000 6418 180000 27504 0 0 2542000 2680000 123907 144993

4 447576 0 223788 2500000 0 56000 8635 240000 37008 0 0 2556000 2740000 232423 260796

5 559470 300000 279735 2500000 0 70000 10885 300000 46650 0 0 2570000 2800000 290620 326385

6 671364 0 35682 2500000 0 84000 13205 360000 56592 0 0 2584000 2860000 48887 92274

7 783258 0 91629 2500000 0 98000 15611 420000 66906 0 0 2598000 2920000 107240 158535

8 895152 0 163331 2500000 0 112000 18166 480000 77856 0 0 2612000 2980000 181497 241187
9 1007046 0 239072 2500000 0 126000 20891 540000 89532 0 0 2626000 3040000 259963 328604

10 1118940 300000 318662 2500000 0 140000 23842 600000 102180 0 0 2640000 3100000 342504 420842

11 1230834 0 102314 2500000 0 154000 27073 660000 116028 0 0 2654000 3160000 129387 218342

12 1342728 0 189793 2500000 0 168000 29534 720000 126576 0 0 2668000 3220000 219327 316369

13 1454622 0 281355 2500000 0 182000 32141 780000 137748 0 0 2682000 3280000 313496 419103

14 1566516 0 376723 2500000 0 196000 34986 840000 149940 0 0 2696000 3340000 411709 526663

15 1678410 300000 476196 2500000 0 210000 38136 900000 163440 0 0 2710000 3410000 514332 639636

16 1790304 0 279452 2500000 0 224000 41664 960000 178560 0 0 2724000 3470000 321116 458012

17 1902198 0 386837 2500000 0 238000 45648 1020000 195636 0 0 2738000 3540000 432485 582473

18 2014092 0 497981 2500000 0 252000 50224 1080000 215244 0 0 2752000 3610000 548205 713225

19 2125986 0 613277 2500000 0 266000 55461 1140000 237690 0 0 2766000 3680000 668738 850967

20 2237880 300000 732310 2500000 0 280000 61572 1200000 263880 0 0 2780000 3750000 793882 996190

21 2237880 0 471920 2500000 0 294000 68737 1260000 294588 0 0 2794000 3820000 540657 766508

22 2237880 0 511307 2500000 0 308000 77154 1320000 330660 0 0 2808000 3910000 588461 841967

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 (Amount in rupees)

Non-guaranteed Non-guaranteed Total benefits (including guaranteed and non-guaranteed benefits)

Guaranteed benefits
benefits @ 4% p.a. benefits @ 8% p.a. Maturity benefit Death benefit3 Surrender benefit4
Maturity Maturity Death Death
Annualised benefit, benefit, benefit, benefit,
Policy year premium2 ( incl. of incl. of incl. of incl. of
cumulative) final final final final Surrender Surrender
Survival Surrender Death Maturity Reversiona Surrender Reversiona Surrender
additional additional additional additional benefit @ benefit @
benefit benefit benefit benefit ry bonus benefit ry bonus benefit
bonus bonus bonus bonus 4% (4+8) 8% (4+10)
(FAB), if (FAB), if (FAB), if (FAB), if
any, @ 4% any, @ 8% any, @ 4% any, @ 8%
(6+7+FAB) (6+9+FAB) (5+7+FAB) (5+9+FAB)
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16)
23 2237880 0 550917 2500000 0 322000 87133 1380000 373428 0 0 2822000 4000000 638050 924345

24 2237880 0 814092 2500000 0 336000 100800 1440000 432000 0 0 2836000 4090000 914892 1246092

25 2237880 0 814092 2500000 800000 350000 122500 1500000 525000 1150000 2500000 2850000 4200000 936592 1339092

Notes:

The main objective of the illustration is that the client is able to appreciate the features of the products and the flow of the benefit in different circumstances with some level of
quantification. This illustration is applicable to a standard (from medical, life style and occupation point of view) life.

1. It includes rider(s) premiums in respect of all the rider(s) opted by the proposer/policyholder at inception of the policy.
2. Annualized premium excludes underwriting extra premium, frequency loadings on premiums, the premiums paid towards the riders, if any, and goods & service tax.
Refer sales literature for explanation of terms used in this illustration.
3. In any case, the total death benefit at any time shall not be less than 105% of the total premiums paid (excluding GST, extra premium and rider premiums, if any).
4. Special surrender value may however be payable, if it is more favourable to the policyholder.

I, ________________________________________ (name), have explained the I, ________________________________________ (name), having received

premiums, charges and benefits under the policy fully to the prospect the information with respect to the above, have understood the above
/policyholder. statemement before entering into the contract.
Place : Place :
Date : Signature of agent/intermediary/official Date : Signature of prospect/policyholder

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