DCF Analysis of term insurance LIC

Year Premium DCF DCF Rate Year Death amt DCF

1 7830 7830 8% 1 54810 54810
2 7830 7250 2 109620 101500
3 7830 6713 3 164430 140972
4 7830 6216 4 219240 174040
5 7830 5755 5 274050 201435
6 7830 5329 6 328860 223817
7 7830 4934 7 383670 241777
8 7830 4569 8 438480 255849
9 7830 4230 9 493290 266509
10 7830 3917 10 548100 274186
11 7830 3627 11 602910 279264
12 7830 3358 12 657720 282085
13 7830 3109 13 712530 282955
14 7830 2879 14 767340 282149
15 7830 2666 15 822150 279910
16 7830 2468 16 876960 276454
17 7830 2286 17 931770 271975
18 7830 2116 18 986580 266642
19 7830 1959 19 1041390 260607
20 7830 1814 20 1096200 254003
21 7830 1680 21 1151010 246947
22 7830 1555 22 1205820 239543
23 7830 1440 23 1260630 231881
24 7830 1334 24 1315440 224040
25 7830 1235 25 1370250 216088
26 7830 1143 26 1425060 208084
27 7830 1059 27 1479870 200081
28 7830 980 28 1534680 192122
29 7830 908 29 1589490 184244
30 7830 840 30 1644300 176479
31 7830 778 31 1699110 168853
32 7830 720 32 1753920 161389
33 7830 667 33 1808730 154104
34 7830 618 34 1863540 147013
35 7830 572 35 1918350 140126
36 7830 530 36 1973160 133454
37 7830 490 37 2027970 127001
38 7830 454 38 2082780 120771
39 7830 420 39 2137590 114768
40 7830 389 40 2192400 108992
41 7830 360 41 2247210 103441
42 7830 334 42 2302020 98115
43 7830 309 43 2356830 93010
 44 7830 286 44 2411640 88123
45 7830 265 45 2466450 83450
46 7830 245 46 2521260 78986
47 7830 227 47 2576070 74725
48 7830 210 48 2630880 70662
49 7830 195 49 2685690 66791
50 7830 180 50 2740500 63105
51 7830 167 51 2795310 59599
52 7830 155 52 2850120 56267
53 7830 143 53 2904930 53101
54 7830 133 54 2959740 50095
55 7830 123 55 3014550 47243
TOTAL 430650 104171 56 10000000 145109
57 10000000 134360
58 10000000 124407
59 10000000 115192
60 10000000 106659
61 10000000 98759
62 10000000 91443
63 10000000 84670
64 10000000 78398
65 10000000 72590
66 10000000 67213
67 10000000 62235
68 10000000 57625
69 10000000 53356
70 10000000 49404
71 10000000 45744
72 10000000 42356
73 10000000 39218
74 10000000 36313

TODAYS COST OF TERM INSURANCE 104171

Break Even point death year Gap 81-84 Years