Nidhi Investment Consultant

C T Jain - A Member of International Club

11 times MDRT - Life Insurance Advisor

LIC of India - Ahmedabad
+91 9825986341
ctjain1384@gmail.com

Magic Mix Illustration for Mr. Nitesh D Jain (age 34) Ref. No. 000000000024
Date : 18/11/2018

Proposed Insurance

Term/ Basic Sum Term DAB Rider ^ Install. Tax

Id Com.Date Plan Name PPT Assured Rider SA SA Md Premium Beneficiary
1 18/11/2018 836-Jeevan Labh 25/16 4,00,000 4,00,000 4,00,000 Y 21,983
2 18/11/2018 814-New Endowment 30/30 4,50,000 4,50,000 4,50,000 Y 17,687
3 18/11/2018 814-New Endowment 35/35 4,50,000 4,50,000 4,50,000 Y 16,137
4 18/11/2018 845-Jeevan Umang 66/15 4,25,000 4,25,000 4,25,000 Y 38,829
17,25,000 17,25,000 17,25,000

Annual Premium: 94,639

'^' : - 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 18/11/18 836/25/16 4,00,000 Y 21,037 947 21,984 473 21,510
2 18/11/18 814/30/30 4,50,000 Y 16,926 762 17,688 381 17,307
3 18/11/18 814/35/35 4,50,000 Y 15,443 695 16,138 347 15,790
4 18/11/18 845/66/15 4,25,000 Y 37,157 1,672 38,829 836 37,993
17,25,000 90,563 4,076 94,639 2,037 92,600

Modewise Summary of Installment Premiums

PREMIUM
* Bonus
Id Com. Date Plan/Tm/PPT Rate FAB Opted Yearly Half Yearly Quarterly Monthly Single **Daily
1 18/11/2018 836/25/16 50 450 Y 21,984 11,102 5,605 1,867 0 60.23
2 18/11/2018 814/30/30 48 1100 Y 17,688 8,936 4,515 1,505 0 48.46
3 18/11/2018 814/35/35 48 2300 Y 16,138 8,154 4,119 1,374 0 44.21
4 18/11/2018 845/66/15 60 20 Y 38,829 19,612 9,905 3,302 0 106.38
94,639 47,804 24,144 8,048 0 259.28
1. '*' : - Assuming LIC will declare the above mentioned bonus rates for the year ended 31-Mar-2019
2. '**' : - Daily premium is for indicative purpose only. Formula used - (Yearly Premium/365).

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
C T Jain - A Member of International Club

11 times MDRT - Life Insurance Advisor

LIC of India - Ahmedabad
+91 9825986341
ctjain1384@gmail.com

Magic Mix Illustration for Mr. Nitesh D Jain (age 34) Ref. No. 000000000024

Innovative Forecast of Insurance Benefits

For the Year Loan
Fin. Year For the Year
Available
Ending Age Natural Death Accident Death Payment Returns Cash Flow
31/03/2019 35 35,38,700 52,63,700 94,637 0 -94,637 0
31/03/2020 36 36,27,400 53,52,400 92,601 0 -92,601 0
31/03/2021 37 37,16,100 54,41,100 92,601 0 -92,601 66,139
31/03/2022 38 38,04,800 55,29,800 92,601 0 -92,601 1,76,510
31/03/2023 39 38,93,500 56,18,500 92,601 0 -92,601 2,32,037
31/03/2024 40 39,82,200 57,07,200 92,601 0 -92,601 2,89,451
31/03/2025 41 40,70,900 57,95,900 92,601 0 -92,601 3,52,957
31/03/2026 42 41,59,600 58,84,600 92,601 0 -92,601 4,24,245
31/03/2027 43 42,48,300 59,73,300 92,601 0 -92,601 5,02,110
31/03/2028 44 43,37,000 60,62,000 92,601 0 -92,601 5,87,845
31/03/2029 45 44,25,700 61,50,700 92,601 0 -92,601 6,84,121
31/03/2030 46 45,14,400 62,39,400 92,601 0 -92,601 7,84,964
31/03/2031 47 46,03,100 63,28,100 92,601 0 -92,601 8,84,677
31/03/2032 48 46,91,800 64,16,800 92,601 0 -92,601 9,86,995
31/03/2033 49 48,15,000 65,40,000 92,601 0 -92,601 11,09,283
31/03/2034 50 48,99,575 61,99,575 54,608 34,000 -20,608 6,97,282
31/03/2035 51 49,84,150 62,84,150 33,097 34,000 903 7,30,025
31/03/2036 52 50,68,725 63,68,725 33,097 34,000 903 7,64,747
31/03/2037 53 51,70,550 64,70,550 33,097 34,000 903 8,08,302
31/03/2038 54 52,81,000 65,81,000 33,097 34,000 903 8,59,128
31/03/2039 55 54,08,700 67,08,700 33,097 34,000 903 9,13,005
31/03/2040 56 55,70,900 68,70,900 33,097 34,000 903 9,68,212
31/03/2041 57 58,19,350 71,19,350 33,097 34,000 903 10,29,049
31/03/2042 58 60,67,800 73,67,800 33,097 34,000 903 11,09,830
31/03/2043 59 63,16,250 76,16,250 33,097 34,000 903 12,02,781
31/03/2044 60 50,24,700 59,24,700 33,097 11,14,000 10,80,903 8,83,211
31/03/2045 61 52,39,650 61,39,650 33,097 34,000 903 9,66,090
31/03/2046 62 54,54,600 63,54,600 33,097 34,000 903 10,59,128
31/03/2047 63 56,69,550 65,69,550 33,097 34,000 903 11,63,837
31/03/2048 64 59,77,250 68,77,250 33,097 34,000 903 12,82,411
31/03/2049 65 41,43,600 45,93,600 15,790 16,27,000 16,11,210 6,03,720
31/03/2050 66 43,96,700 48,46,700 15,790 34,000 18,210 6,54,906
31/03/2051 67 46,49,800 50,99,800 15,790 34,000 18,210 7,12,528
31/03/2052 68 49,02,900 53,52,900 15,790 34,000 18,210 7,77,515
31/03/2053 69 51,56,000 56,06,000 15,790 34,000 18,210 8,51,290

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
C T Jain - A Member of International Club

11 times MDRT - Life Insurance Advisor

LIC of India - Ahmedabad
+91 9825986341
ctjain1384@gmail.com

Magic Mix Illustration for Mr. Nitesh D Jain (age 34) Ref. No. 000000000024

For the Year Loan

Fin. Year For the Year
Available
Ending Age Natural Death Accident Death Payment Returns Cash Flow
31/03/2054 70 21,59,000 21,59,000 0 22,75,000 22,75,000 1,70,000
31/03/2055 71 22,78,000 22,78,000 0 34,000 34,000 1,70,000
31/03/2056 72 23,97,000 23,97,000 0 34,000 34,000 1,70,000
31/03/2057 73 25,16,000 25,16,000 0 34,000 34,000 1,70,000
31/03/2058 74 26,35,000 26,35,000 0 34,000 34,000 1,70,000
31/03/2059 75 26,47,750 26,47,750 0 34,000 34,000 1,70,000
31/03/2060 76 26,60,500 26,60,500 0 34,000 34,000 1,70,000
31/03/2061 77 26,73,250 26,73,250 0 34,000 34,000 1,70,000
31/03/2062 78 26,86,000 26,86,000 0 34,000 34,000 1,70,000
31/03/2063 79 26,98,750 26,98,750 0 34,000 34,000 1,70,000
31/03/2064 80 27,11,500 27,11,500 0 34,000 34,000 1,70,000
31/03/2065 81 27,24,250 27,24,250 0 34,000 34,000 1,70,000
31/03/2066 82 27,37,000 27,37,000 0 34,000 34,000 1,70,000
31/03/2067 83 27,49,750 27,49,750 0 34,000 34,000 1,70,000
31/03/2068 84 27,62,500 27,62,500 0 34,000 34,000 1,70,000
31/03/2069 85 27,75,250 27,75,250 0 34,000 34,000 1,70,000
31/03/2070 86 27,88,000 27,88,000 0 34,000 34,000 1,70,000
31/03/2071 87 28,00,750 28,00,750 0 34,000 34,000 1,70,000
31/03/2072 88 28,13,500 28,13,500 0 34,000 34,000 1,70,000
31/03/2073 89 28,26,250 28,26,250 0 34,000 34,000 1,70,000
31/03/2074 90 28,39,000 28,39,000 0 34,000 34,000 1,70,000
31/03/2075 91 28,51,750 28,51,750 0 34,000 34,000 1,70,000
31/03/2076 92 28,64,500 28,64,500 0 34,000 34,000 1,70,000
31/03/2077 93 28,77,250 28,77,250 0 34,000 34,000 1,70,000
31/03/2078 94 28,90,000 28,90,000 0 34,000 34,000 1,70,000
31/03/2079 95 29,02,750 29,02,750 0 34,000 34,000 1,70,000
31/03/2080 96 29,15,500 29,15,500 0 34,000 34,000 1,70,000
31/03/2081 97 29,28,250 29,28,250 0 34,000 34,000 1,70,000
31/03/2082 98 29,41,000 29,41,000 0 34,000 34,000 1,70,000
31/03/2083 99 29,53,750 29,53,750 0 34,000 34,000 1,70,000
31/03/2084 100 29,66,500 29,66,500 0 34,000 34,000 0
18/11/2084 100 0 0 0 29,66,500 29,66,500 0

19,87,967 96,14,500 76,26,533

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).

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
C T Jain - A Member of International Club

11 times MDRT - Life Insurance Advisor

LIC of India - Ahmedabad
+91 9825986341
ctjain1384@gmail.com

Magic Mix Illustration for Mr. Nitesh D Jain (age 34) Ref. No. 000000000024

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

Personal Data: DOB: 02/09/1984

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.
Bonus Projection for Plan 845 : Last declared reversionary bonus of plan no. 178 Jeevan Tarang has been considered for the
purpose of projected Riskcover and Returns.

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
C T Jain - A Member of International Club

11 times MDRT - Life Insurance Advisor

LIC of India - Ahmedabad
+91 9825986341
ctjain1384@gmail.com

Magic Mix Illustration for Mr. Nitesh D Jain (age 34) Ref. No. 000000000024

Premium Calendar

Id Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar
1 - - - - - - - 21,984 - - - -
2 - - - - - - - 17,688 - - - -
3 - - - - - - - 16,138 - - - -
4 - - - - - - - 38,829 - - - -
- - - - - - - 94,639 - - - -

Annual Premium : 94,639

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.