"Insure & be secure"

A presentation specially compiled for

Mr. Aayush

Presented by :-
Nidhi Investment Consultant
Rajendra B Jain
Life Insurance Advisor LIC of India - Ahmedabad
+919898367973
 Nidhi Investment Consultant
Rajendra B Jain

Life Insurance Advisor

LIC of India - Ahmedabad
+919898367973

Magic Mix Illustration for Mr. Aayush (age 24) Ref. No. 000000000079

Proposed Insurance

Term/ Basic Sum DAB Rider ^ Install. Tax

Id Com.Date Plan Name PPT Assured SA Md Premium Beneficiary
1 28/10/2020 936-Jeevan Labh 25/16 5,00,000 5,00,000 Y 23,632
2 28/10/2020 915-New Jeevan Anand 27/27 1,00,000 1,00,000 Y 4,334
3 28/10/2020 915-New Jeevan Anand 28/28 1,00,000 1,00,000 Y 4,160
4 28/10/2020 915-New Jeevan Anand 29/29 1,00,000 1,00,000 Y 4,001
5 28/10/2020 915-New Jeevan Anand 30/30 1,00,000 1,00,000 Y 3,853
6 28/10/2020 915-New Jeevan Anand 31/31 1,00,000 1,00,000 Y 3,714
7 28/10/2020 915-New Jeevan Anand 32/32 1,00,000 1,00,000 Y 3,581
11,00,000 11,00,000

Annual Premium: 47,275

'^' : - Premiums indicated are inclusive of GST.

GST Bifurcation
Details of Plan PREMIUM
1st Year 2nd Year Onward
Sr. Comm. Sum
No. Date Pl/Tm/PPT Assured Md. Basic GST Total GST Total
1 28/10/20 936/25/16 5,00,000 Y 22,614 1,018 23,632 509 23,123
2 28/10/20 915/27/27 1,00,000 Y 4,147 187 4,334 93 4,240
3 28/10/20 915/28/28 1,00,000 Y 3,981 179 4,160 90 4,071
4 28/10/20 915/29/29 1,00,000 Y 3,829 172 4,001 86 3,915
5 28/10/20 915/30/30 1,00,000 Y 3,687 166 3,853 83 3,770
6 28/10/20 915/31/31 1,00,000 Y 3,554 160 3,714 80 3,634
7 28/10/20 915/32/32 1,00,000 Y 3,427 154 3,581 77 3,504
11,00,000 45,239 2,036 47,275 1,018 46,257

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.
 Nidhi Investment Consultant
Rajendra B Jain

Life Insurance Advisor

LIC of India - Ahmedabad
+919898367973

Magic Mix Illustration for Mr. Aayush (age 24) Ref. No. 000000000079

Modewise Summary of Installment Premiums

PREMIUM
* Bonus
Id Com. Date Plan/Tm/PPT Rate FAB Opted Yearly Half Yearly Quarterly Monthly Single **Daily
1 28/10/2020 936/25/16 50 450 Y 23,632 11,936 6,029 2,010 0 64.75
2 28/10/2020 915/27/27 49 540 Y 4,334 2,188 1,105 368 0 11.87
3 28/10/2020 915/28/28 49 650 Y 4,160 2,100 1,061 353 0 11.40
4 28/10/2020 915/29/29 49 760 Y 4,001 2,020 1,020 340 0 10.96
5 28/10/2020 915/30/30 49 900 Y 3,853 1,946 982 327 0 10.56
6 28/10/2020 915/31/31 49 1100 Y 3,714 1,876 947 316 0 10.18
7 28/10/2020 915/32/32 49 1300 Y 3,581 1,809 913 304 0 9.81
47,275 23,875 12,057 4,018 0 129.53
1. '*' : - Assuming LIC will declare the above mentioned bonus rates for the year ended 31-Mar-2020
2. '**' : - Daily premium is for indicative purpose only. Formula used - (Yearly Premium/365).

Medical Requirement Details

Sum at Risk: 12,50,000 Medical by DMR: No

FMR

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.
 Nidhi Investment Consultant
Rajendra B Jain

Life Insurance Advisor

LIC of India - Ahmedabad
+919898367973

Magic Mix Illustration for Mr. Aayush (age 24) Ref. No. 000000000079

Forecast of Insurance Benefits

Risk Cover For the Year Loan
Policy Year Ag Natural Death Accident Death Premium Returns Cash Flow Available

1 25 13,04,400 24,04,400 47,271 0 -47,271 0

2 26 13,58,800 24,58,800 46,256 0 -46,256 25,738
3 27 14,13,200 25,13,200 46,256 0 -46,256 55,884
4 28 14,67,600 25,67,600 46,256 0 -46,256 1,02,433
5 29 15,22,000 26,22,000 46,256 0 -46,256 1,30,730
6 30 15,76,400 26,76,400 46,256 0 -46,256 1,59,258
7 31 16,30,800 27,30,800 46,256 0 -46,256 1,87,940
8 32 16,85,200 27,85,200 46,256 0 -46,256 2,22,049
9 33 17,39,600 28,39,600 46,256 0 -46,256 2,57,471
10 34 17,94,000 28,94,000 46,256 0 -46,256 2,95,870
11 35 18,48,400 29,48,400 46,256 0 -46,256 3,42,636
12 36 19,02,800 30,02,800 46,256 0 -46,256 3,93,692
13 37 19,57,200 30,57,200 46,256 0 -46,256 4,49,369
14 38 20,11,600 31,11,600 46,256 0 -46,256 5,09,788
15 39 20,82,000 31,82,000 46,256 0 -46,256 5,77,031
16 40 21,41,900 32,41,900 46,256 0 -46,256 6,53,773
17 41 22,01,800 33,01,800 23,133 0 -23,133 7,21,135
18 42 22,61,700 33,61,700 23,133 0 -23,133 7,97,643
19 43 23,26,600 34,26,600 23,133 0 -23,133 8,87,943
20 44 23,97,000 34,97,000 23,133 0 -23,133 9,86,662
21 45 24,72,400 35,72,400 23,133 0 -23,133 10,96,542
22 46 25,69,800 36,69,800 23,133 0 -23,133 12,24,351
23 47 27,16,200 38,16,200 23,133 0 -23,133 13,65,718
24 48 28,68,600 39,68,600 23,133 0 -23,133 15,23,953
25 49 30,33,000 41,33,000 23,133 13,50,000 13,26,867 17,02,512
26 50 17,72,400 23,72,400 23,133 0 -23,133 8,91,605
27 51 18,67,800 24,67,800 23,133 2,86,300 2,63,167 10,02,465
28 52 17,36,000 22,36,000 18,893 3,02,200 2,83,307 8,92,878
29 53 15,72,400 19,72,400 14,823 3,18,100 3,03,277 7,64,287
30 54 13,86,000 16,86,000 10,908 3,37,000 3,26,092 6,13,507
31 55 11,73,800 13,73,800 7,138 3,61,900 3,54,762 4,37,695
32 56 9,11,800 10,11,800 3,504 3,86,800 3,83,296 2,34,258
33 57 6,00,000 6,00,000 0 0 0 0
34 58 6,00,000 6,00,000 0 0 0 0
35 59 6,00,000 6,00,000 0 0 0 0
36 60 6,00,000 6,00,000 0 0 0 0
37 61 6,00,000 6,00,000 0 0 0 0
38 62 6,00,000 6,00,000 0 0 0 0
39 63 6,00,000 6,00,000 0 0 0 0
40 64 6,00,000 6,00,000 0 0 0 0
41 65 6,00,000 6,00,000 0 0 0 0

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.
 Nidhi Investment Consultant
Rajendra B Jain

Life Insurance Advisor

LIC of India - Ahmedabad
+919898367973

Magic Mix Illustration for Mr. Aayush (age 24) Ref. No. 000000000079

Risk Cover For the Year Loan

Policy Year Ag Natural Death Accident Death Premium Returns Cash Flow Available

42 66 6,00,000 6,00,000 0 0 0 0
43 67 6,00,000 6,00,000 0 0 0 0
44 68 6,00,000 6,00,000 0 0 0 0
45 69 6,00,000 6,00,000 0 0 0 0
46 70 6,00,000 6,00,000 0 0 0 0
47 71 6,00,000 6,00,000 0 0 0 0
48 72 6,00,000 6,00,000 0 0 0 0
49 73 6,00,000 6,00,000 0 0 0 0
50 74 6,00,000 6,00,000 0 0 0 0
51 75 6,00,000 6,00,000 0 0 0 0
52 76 6,00,000 6,00,000 0 0 0 0
53 77 6,00,000 6,00,000 0 0 0 0
54 78 6,00,000 6,00,000 0 0 0 0
55 79 6,00,000 6,00,000 0 0 0 0
56 80 6,00,000 6,00,000 0 0 0 0
57 81 6,00,000 6,00,000 0 0 0 0
58 82 6,00,000 6,00,000 0 0 0 0
59 83 6,00,000 6,00,000 0 0 0 0
60 84 6,00,000 6,00,000 0 0 0 0
61 85 6,00,000 6,00,000 0 0 0 0
62 86 6,00,000 6,00,000 0 0 0 0
63 87 6,00,000 6,00,000 0 0 0 0
64 88 6,00,000 6,00,000 0 0 0 0
65 89 6,00,000 6,00,000 0 0 0 0
66 90 6,00,000 6,00,000 0 0 0 0
67 91 6,00,000 6,00,000 0 0 0 0
68 92 6,00,000 6,00,000 0 0 0 0
69 93 6,00,000 6,00,000 0 0 0 0
70 94 6,00,000 6,00,000 0 0 0 0
71 95 6,00,000 6,00,000 0 0 0 0
72 96 6,00,000 6,00,000 0 0 0 0
73 97 6,00,000 6,00,000 0 0 0 0
74 98 6,00,000 6,00,000 0 0 0 0
75 99 6,00,000 6,00,000 0 0 0 0
76 100 6,00,000 6,00,000 0 0 0 0
77 101 6,00,000 6,00,000 0 5,79,300 5,79,300 0
10,50,840 39,21,600 28,70,760

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.
 Nidhi Investment Consultant
Rajendra B Jain

Life Insurance Advisor

LIC of India - Ahmedabad
+919898367973

Magic Mix Illustration for Mr. Aayush (age 24) Ref. No. 000000000079

Innovative Forecast of Insurance Benefits

For the Year Loan
For the Year
Available
Policy Year Age Natural Death Accident Death Payment Returns Cash Flow
1 25 26,08,800 37,08,800 47,271 0 -47,271 0
2 26 27,17,600 38,17,600 46,256 0 -46,256 25,738
3 27 28,26,400 39,26,400 46,256 0 -46,256 55,884
4 28 29,35,200 40,35,200 46,256 0 -46,256 1,02,433
5 29 30,44,000 41,44,000 46,256 0 -46,256 1,30,730
6 30 31,52,800 42,52,800 46,256 0 -46,256 1,59,258
7 31 32,61,600 43,61,600 46,256 0 -46,256 1,87,940
8 32 33,70,400 44,70,400 46,256 0 -46,256 2,22,049
9 33 34,79,200 45,79,200 46,256 0 -46,256 2,57,471
10 34 35,88,000 46,88,000 46,256 0 -46,256 2,95,870
11 35 36,96,800 47,96,800 46,256 0 -46,256 3,42,636
12 36 38,05,600 49,05,600 46,256 0 -46,256 3,93,692
13 37 39,14,400 50,14,400 46,256 0 -46,256 4,49,369
14 38 40,23,200 51,23,200 46,256 0 -46,256 5,09,788
15 39 41,64,000 52,64,000 46,256 0 -46,256 5,77,031
16 40 42,83,800 53,83,800 46,256 0 -46,256 6,53,773
17 41 44,03,600 55,03,600 23,133 0 -23,133 7,21,135
18 42 45,23,400 56,23,400 23,133 0 -23,133 7,97,643
19 43 46,53,200 57,53,200 23,133 0 -23,133 8,87,943
20 44 47,94,000 58,94,000 23,133 0 -23,133 9,86,662
21 45 49,44,800 60,44,800 23,133 0 -23,133 10,96,542
22 46 51,39,600 62,39,600 23,133 0 -23,133 12,24,351
23 47 54,32,400 65,32,400 23,133 0 -23,133 13,65,718
24 48 57,37,200 68,37,200 23,133 0 -23,133 15,23,953
25 49 60,66,000 71,66,000 23,133 13,50,000 13,26,867 17,02,512
26 50 35,44,800 41,44,800 23,133 0 -23,133 8,91,605
27 51 37,35,600 43,35,600 23,133 2,86,300 2,63,167 10,02,465
28 52 34,72,000 39,72,000 18,893 3,02,200 2,83,307 8,92,878
29 53 31,44,800 35,44,800 14,823 3,18,100 3,03,277 7,64,287
30 54 27,72,000 30,72,000 10,908 3,37,000 3,26,092 6,13,507
31 55 23,47,600 25,47,600 7,138 3,61,900 3,54,762 4,37,695
32 56 18,23,600 19,23,600 3,504 3,86,800 3,83,296 2,34,258
33 57 12,00,000 12,00,000 0 0 0 0
34 58 12,00,000 12,00,000 0 0 0 0
35 59 12,00,000 12,00,000 0 0 0 0

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.
 Nidhi Investment Consultant
Rajendra B Jain

Life Insurance Advisor

LIC of India - Ahmedabad
+919898367973

Magic Mix Illustration for Mr. Aayush (age 24) Ref. No. 000000000079

For the Year Loan

For the Year
Available
Policy Year Age Natural Death Accident Death Payment Returns Cash Flow
36 60 12,00,000 12,00,000 0 0 0 0
37 61 12,00,000 12,00,000 0 0 0 0
38 62 12,00,000 12,00,000 0 0 0 0
39 63 12,00,000 12,00,000 0 0 0 0
40 64 12,00,000 12,00,000 0 0 0 0
41 65 12,00,000 12,00,000 0 0 0 0
42 66 12,00,000 12,00,000 0 0 0 0
43 67 12,00,000 12,00,000 0 0 0 0
44 68 12,00,000 12,00,000 0 0 0 0
45 69 12,00,000 12,00,000 0 0 0 0
46 70 12,00,000 12,00,000 0 0 0 0
47 71 12,00,000 12,00,000 0 0 0 0
48 72 12,00,000 12,00,000 0 0 0 0
49 73 12,00,000 12,00,000 0 0 0 0
50 74 12,00,000 12,00,000 0 0 0 0
51 75 12,00,000 12,00,000 0 0 0 0
52 76 12,00,000 12,00,000 0 0 0 0
53 77 12,00,000 12,00,000 0 0 0 0
54 78 12,00,000 12,00,000 0 0 0 0
55 79 12,00,000 12,00,000 0 0 0 0
56 80 12,00,000 12,00,000 0 0 0 0
57 81 12,00,000 12,00,000 0 0 0 0
58 82 12,00,000 12,00,000 0 0 0 0
59 83 12,00,000 12,00,000 0 0 0 0
60 84 12,00,000 12,00,000 0 0 0 0
61 85 12,00,000 12,00,000 0 0 0 0
62 86 12,00,000 12,00,000 0 0 0 0
63 87 12,00,000 12,00,000 0 0 0 0
64 88 12,00,000 12,00,000 0 0 0 0
65 89 12,00,000 12,00,000 0 0 0 0
66 90 12,00,000 12,00,000 0 0 0 0
67 91 12,00,000 12,00,000 0 0 0 0
68 92 12,00,000 12,00,000 0 0 0 0
69 93 12,00,000 12,00,000 0 0 0 0
70 94 12,00,000 12,00,000 0 0 0 0
71 95 12,00,000 12,00,000 0 0 0 0

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.
 Nidhi Investment Consultant
Rajendra B Jain

Life Insurance Advisor

LIC of India - Ahmedabad
+919898367973

Magic Mix Illustration for Mr. Aayush (age 24) Ref. No. 000000000079

For the Year Loan

For the Year
Available
Policy Year Age Natural Death Accident Death Payment Returns Cash Flow
72 96 12,00,000 12,00,000 0 0 0 0
73 97 12,00,000 12,00,000 0 0 0 0
74 98 12,00,000 12,00,000 0 0 0 0
75 99 12,00,000 12,00,000 0 0 0 0
76 100 12,00,000 12,00,000 0 0 0 0
77 101 12,00,000 12,00,000 0 5,79,300 5,79,300 0

10,50,840 39,21,600 28,70,760

Explanatory Notes
Payment to L.I.C. indicates Annual Premium
Returns in the Year indicates Normal Cash Flow and /or Cash Flow taken from L.I.C. in installments (Inclusive of Interest).
Age and Returns shown are at the end of the specific year.

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.
 Nidhi Investment Consultant
Rajendra B Jain

Life Insurance Advisor

LIC of India - Ahmedabad
+919898367973

Magic Mix Illustration for Mr. Aayush (age 24) Ref. No. 000000000079

K e y A s s u mp t i o n s

Personal Data: DOB: 11/02/1997

Income Tax: Sec. 80C Limit Available: 150000Sec. 80D Limit Available: 15000
Tax Savings on premiums will be @ 30.90 % u/s 80C and @ 30.90 % u/s 80D
Projections: Bonus: On applicable plans, last declared reversionary bonus has been considered for the purpose of projected Riskcover and
Returns.

Terminal Bonus: On applicable plans, last declared terminal bonus of their respective matching discontinued plans has also been
considered.
Age and Returns shown are at the end of the specific year.
Note : For Plan 915 - Amount shown at age 99 is surrender value, however it’s not compulsory to surrender the policy, policy
holder can enjoy life cover till life.

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.
 Nidhi Investment Consultant
Rajendra B Jain

Life Insurance Advisor

LIC of India - Ahmedabad
+919898367973

Magic Mix Illustration for Mr. Aayush (age 24) Ref. No. 000000000079

Premium Breakup & Tax Implication (for the year)

Premium Breakup u/s 80 CCE u/s 80 D
Accidental Eligible Tax Ben. Eligible Tax Ben. Total
Policy Year Basic Benefit PWB Total Amount @30.9% Amount @30.9% Benefit
1 45,968 1,303 0 47,271 45,239 13,978 0 0 13,978
2 44,979 1,277 0 46,256 45,239 13,978 0 0 13,978
3 44,979 1,277 0 46,256 45,239 13,978 0 0 13,978
4 44,979 1,277 0 46,256 45,239 13,978 0 0 13,978
5 44,979 1,277 0 46,256 45,239 13,978 0 0 13,978
6 44,979 1,277 0 46,256 45,239 13,978 0 0 13,978
7 44,979 1,277 0 46,256 45,239 13,978 0 0 13,978
8 44,979 1,277 0 46,256 45,239 13,978 0 0 13,978
9 44,979 1,277 0 46,256 45,239 13,978 0 0 13,978
10 44,979 1,277 0 46,256 45,239 13,978 0 0 13,978
11 44,979 1,277 0 46,256 45,239 13,978 0 0 13,978
12 44,979 1,277 0 46,256 45,239 13,978 0 0 13,978
13 44,979 1,277 0 46,256 45,239 13,978 0 0 13,978
14 44,979 1,277 0 46,256 45,239 13,978 0 0 13,978
15 44,979 1,277 0 46,256 45,239 13,978 0 0 13,978
16 44,979 1,277 0 46,256 45,239 13,978 0 0 13,978
17 22,521 612 0 23,133 22,625 6,990 0 0 6,990
18 22,521 612 0 23,133 22,625 6,990 0 0 6,990
19 22,521 612 0 23,133 22,625 6,990 0 0 6,990
20 22,521 612 0 23,133 22,625 6,990 0 0 6,990
21 22,521 612 0 23,133 22,625 6,990 0 0 6,990
22 22,521 612 0 23,133 22,625 6,990 0 0 6,990
23 22,521 612 0 23,133 22,625 6,990 0 0 6,990
24 22,521 612 0 23,133 22,625 6,990 0 0 6,990
25 22,521 612 0 23,133 22,625 6,990 0 0 6,990
26 22,521 612 0 23,133 22,625 6,990 0 0 6,990
27 22,521 612 0 23,133 22,625 6,990 0 0 6,990
28 18,383 510 0 18,893 18,478 5,709 0 0 5,709
29 14,415 408 0 14,823 14,497 4,479 0 0 4,479
30 10,602 306 0 10,908 10,668 3,296 0 0 3,296
31 6,934 204 0 7,138 6,981 2,157 0 0 2,157
32 3,402 102 0 3,504 3,427 1,059 0 0 1,059
10,22,120 28,720 0 10,50,840 10,26,750 3,17,238 0 0 3,17,238

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.