Jeevan Umang (Plan No.

- 845)

Illustration specially prepared for

Mr. Abc
(age 45 years)

Benefits Illustration Summary

Sum Assured Rs. 38,00,000

Term 55 years

Premium Basic GST Installment

ü Exclusive Plan for Saving and Retirement Planning. First Year 2,96,567 13,346 3,09,913

ü Guaranteed Lifetime Income at 8.00% Subsequent Year 2,96,567 6,673 3,03,240

ü Whole Life Risk Cover with Limited Premium Payment Option.

Cash Flow Benefits
ü Discount in Premium for Sum Assured of Rs.5 Lacs and
above. Liquidity You have an option to surrender
the policy & receive the cash
ü Lifetime Cover to the extent Basic Sum Assured + Bonus
value after payment of premiums
+ Final Bonus (if any) for 3 years. Alternately, you can
ü Loan Available after 3 full years of premium payment. even avail of loan on this policy
once the policy has acquired cash
ü On Maturity, Sum Assured + Bonus + Final Bonus (if
value. The current prevailing rate
any) will be paid. of loan is 9.5 % p.a.
ü Policy Back dating available within the same financial year.
Life Cover In this policy your Life Risk Cover
ü LIC’s Accidental Death and Disability Benefit Rider OR will start at Rs. 39,82,400. By
Accidental Death Benefit rider, Term Assurance Rider and virtue of bonus getting added
every year, your risk cover will
Critical Illness rider is available as an optional rider by
grow to Rs. 2,36,74,000 in the
payment of nominal additional premium. year 2072 when your age will be
ü Free lookup period for 15 Days. 100. An additional accidental
death cover of Rs.38,00,000 is
ü Premium Paid are eligible for tax savings u/s 80 C, also included.
Maturity Amount is Tax Free u/s 10 (10) (D).
Tax Saving For each year of premium
payment you will save Rs. 30,000
under Sec.80(C).
Plan Parameters
Parameter Min Max
Age 0 55
Term 45 100
Sum Assured 200000 No Limit
Modes Yly, Hly, Qly, Mly, SSS

Presented by
MILIND WALAWALKAR This illustration contains guaranteed and non-guaranteed benefits.The
LIFE PLUS OFFICE - Creative Solutions purpose of this illustration is solely to help you understand the projected
107, Gautam Udyog Bhavan, L.B.S. Marg, benefits that may be possible in future. The presenter in no manner is
Behind DENA BANK, Bhandup (W) 400 078. promising or giving a guarantee about such projected benefits.The actual
Off - 2595 5115, 25955335. M - 9820125373. benefits will depend upon the future performance of L.I.C. Of India with
Email - [email protected] - www.licagentcareer.com respect to this product.
 MILIND WALAWALKAR
LIFE PLUS OFFICE - Creative Solutions

107, Gautam Udyog Bhavan, L.B.S. Marg,

Behind DENA BANK, Bhandup (W) 400 078.
Off - 2595 5115, 25955335. M - 9820125373.
Email - [email protected] - www.licagentcareer.com

Jeevan Umang Plan Presentation for Mr. Abc (age 45 years) Ref. No. Rrs0712
 MILIND WALAWALKAR
LIFE PLUS OFFICE - Creative Solutions

107, Gautam Udyog Bhavan, L.B.S. Marg,

Behind DENA BANK, Bhandup (W) 400 078.
Off - 2595 5115, 25955335. M - 9820125373.
Email - [email protected] - www.licagentcareer.com

Jeevan Umang Plan Presentation for Mr. Abc (age 45 years) Ref. No. Rrs0712

Forecast of Insurance Benefits

Mode of Premium Yearly Rider

Installment Premium 3,09,913(3,03,240 from 2nd yr onwards) Accident Cover : 38,00,000
Date of Report 12/07/2018 Term Rider : Not Opted

Term 55 Years Critical Illness Rider : Not Opted

Policy Risk Cover Tax Net Returns From Cash Loan

Year Age (Natural Death) Premium Saved Premium LIC Net Cash Flow Value Available
1 46 39,82,400 3,09,913
- 30,000 2,79,913 0 -3,09,913 0 0
2 47 41,64,800 3,03,239
- 30,000 2,73,239 0 -3,03,239 0 0
3 48 43,47,200 3,03,239
- 30,000 2,73,239 0 -3,03,239 2,83,252 2,54,927
4 49 45,29,600 3,03,239
- 30,000 2,73,239 0 -3,03,239 7,00,311 6,30,280
5 50 47,12,000 3,03,239
- 30,000 2,73,239 0 -3,03,239 9,43,798 8,49,418
6 51 48,94,400 3,03,239
- 30,000 2,73,239 0 -3,03,239 12,21,186 10,99,067
7 52 50,76,800 3,03,239
- 30,000 2,73,239 0 -3,03,239 15,12,256 13,61,030
8 53 52,59,200 3,03,239
- 30,000 2,73,239 0 -3,03,239 18,40,189 16,56,170
9 54 54,41,600 3,03,239
- 30,000 2,73,239 0 -3,03,239 22,12,567 19,91,310
10 55 56,24,000 3,03,239
- 30,000 2,73,239 0 -3,03,239 26,36,622 23,72,960
11 56 58,06,400 3,03,239
- 30,000 2,73,239 0 -3,03,239 31,22,683 28,10,415
12 57 59,88,800 3,03,239
- 30,000 2,73,239 0 -3,03,239 37,09,833 33,38,850
13 58 61,71,200 3,03,239
- 30,000 2,73,239 0 -3,03,239 42,80,688 38,52,619
14 59 63,53,600 3,03,239
- 30,000 2,73,239 0 -3,03,239 48,10,670 43,29,603
15 60 66,12,000 3,03,239
- 30,000 2,73,239 3,04,000 761 53,96,775 48,57,098
16 61 67,22,200 0 0 0 3,04,000 3,04,000 60,59,480 15,20,000
17 62 68,32,400 0 0 0 3,04,000 3,04,000 61,60,560 15,20,000
18 63 69,42,600 0 0 0 3,04,000 3,04,000 62,61,640 15,20,000
19 64 70,90,800 0 0 0 3,04,000 3,04,000 64,00,720 15,20,000
20 65 72,58,000 0 0 0 3,04,000 3,04,000 65,58,800 15,20,000
21 66 74,63,200 0 0 0 3,04,000 3,04,000 67,54,880 15,20,000
22 67 77,44,400 0 0 0 3,04,000 3,04,000 70,26,960 15,20,000
23 68 82,15,600 0 0 0 3,04,000 3,04,000 74,89,040 15,20,000
24 69 86,86,800 0 0 0 3,04,000 3,04,000 79,51,120 15,20,000
25 70 91,58,000 0 0 0 3,04,000 3,04,000 84,13,200 15,20,000
26 71 96,29,200 0 0 0 3,04,000 3,04,000 88,75,280 15,20,000
27 72 1,01,76,400 0 0 0 3,04,000 3,04,000 94,13,360 15,20,000
28 73 1,07,23,600 0 0 0 3,04,000 3,04,000 99,51,440 15,20,000
29 74 1,12,70,800 0 0 0 3,04,000 3,04,000 1,04,89,520 15,20,000
30 75 1,20,84,000 0 0 0 3,04,000 3,04,000 1,12,93,600 15,20,000
31 76 1,29,35,200 0 0 0 3,04,000 3,04,000 1,21,35,680 15,20,000
32 77 1,39,76,400 0 0 0 3,04,000 3,04,000 1,31,67,760 15,20,000
33 78 1,50,17,600 0 0 0 3,04,000 3,04,000 1,41,99,840 15,20,000
34 79 1,60,58,800 0 0 0 3,04,000 3,04,000 1,52,31,920 15,20,000
35 80 1,71,00,000 0 0 0 3,04,000 3,04,000 1,62,64,000 15,20,000
36 81 1,81,41,200 0 0 0 3,04,000 3,04,000 1,72,96,080 15,20,000
37 82 1,91,82,400 0 0 0 3,04,000 3,04,000 1,83,28,160 15,20,000
 MILIND WALAWALKAR
LIFE PLUS OFFICE - Creative Solutions

107, Gautam Udyog Bhavan, L.B.S. Marg,

Behind DENA BANK, Bhandup (W) 400 078.
Off - 2595 5115, 25955335. M - 9820125373.
Email - [email protected] - www.licagentcareer.com

Jeevan Umang Plan Presentation for Mr. Abc (age 45 years) Ref. No. Rrs0712

Policy Risk Cover Tax Net Returns From Cash Loan

Year Age (Natural Death) Premium Saved Premium LIC Net Cash Flow Value Available
38 83 2,02,23,600 0 0 0 3,04,000 3,04,000 1,93,60,240 15,20,000
39 84 2,12,64,800 0 0 0 3,04,000 3,04,000 2,03,92,320 15,20,000
40 85 2,23,06,000 0 0 0 3,04,000 3,04,000 2,14,24,400 15,20,000
41 86 2,23,97,200 0 0 0 3,04,000 3,04,000 2,15,06,480 15,20,000
42 87 2,24,88,400 0 0 0 3,04,000 3,04,000 2,15,88,560 15,20,000
43 88 2,25,79,600 0 0 0 3,04,000 3,04,000 2,16,70,640 15,20,000
44 89 2,26,70,800 0 0 0 3,04,000 3,04,000 2,17,52,720 15,20,000
45 90 2,27,62,000 0 0 0 3,04,000 3,04,000 2,18,34,800 15,20,000
46 91 2,28,53,200 0 0 0 3,04,000 3,04,000 2,19,16,880 15,20,000
47 92 2,29,44,400 0 0 0 3,04,000 3,04,000 2,19,98,960 15,20,000
48 93 2,30,35,600 0 0 0 3,04,000 3,04,000 2,20,81,040 15,20,000
49 94 2,31,26,800 0 0 0 3,04,000 3,04,000 2,21,63,120 15,20,000
50 95 2,32,18,000 0 0 0 3,04,000 3,04,000 2,22,45,200 15,20,000
51 96 2,33,09,200 0 0 0 3,04,000 3,04,000 2,23,27,280 15,20,000
52 97 2,34,00,400 0 0 0 3,04,000 3,04,000 2,24,09,360 15,20,000
53 98 2,34,91,600 0 0 0 3,04,000 3,04,000 2,24,91,440 15,20,000
54 99 2,35,82,800 0 0 0 3,04,000 3,04,000 2,25,73,520 15,20,000
55 100 2,36,74,000 0 0 0 2,36,74,000 2,36,74,000 2,26,55,600 0

45,55,259 41,05,259 3,58,34,000 3,12,78,741

 MILIND WALAWALKAR
LIFE PLUS OFFICE - Creative Solutions

107, Gautam Udyog Bhavan, L.B.S. Marg,

Behind DENA BANK, Bhandup (W) 400 078.
Off - 2595 5115, 25955335. M - 9820125373.
Email - [email protected] - www.licagentcareer.com

Jeevan Umang Plan Presentation for Mr. Abc (age 45 years) Ref. No. Rrs0712

“What if” Scenario

The aim of this insurance policy is to protect the dreams of your family. In case of any financial crisis where you are
not able to pay the future premiums, this policy promises the following benefits.

The table below illustrates the “What if” scenario where you can visualize how Jeevan Umang Policy will work in
case you are not able to pay the premiums after 10 yearly instalments.
Policy Risk Cover Tax Net Returns From Cash Loan
Year Age (Natural Death) Premium Saved Premium LIC Net Cash Flow Value Available
1 46 39,82,400 3,09,913
- 30,000 2,79,913 0 -3,09,913 0 0
2 47 41,64,800 3,03,239
- 30,000 2,73,239 0 -3,03,239 0 0
3 48 43,47,200 3,03,239
- 30,000 2,73,239 0 -3,03,239 2,83,252 2,54,927
4 49 45,29,600 3,03,239
- 30,000 2,73,239 0 -3,03,239 7,00,311 6,30,280
5 50 47,12,000 3,03,239
- 30,000 2,73,239 0 -3,03,239 9,43,798 8,49,418
6 51 48,94,400 3,03,239
- 30,000 2,73,239 0 -3,03,239 12,21,186 10,99,067
7 52 50,76,800 3,03,239
- 30,000 2,73,239 0 -3,03,239 15,12,256 13,61,030
8 53 52,59,200 3,03,239
- 30,000 2,73,239 0 -3,03,239 18,40,189 16,56,170
9 54 54,41,600 3,03,239
- 30,000 2,73,239 0 -3,03,239 22,12,567 19,91,310
10 55 56,24,000 3,03,239
- 30,000 2,73,239 0 -3,03,239 26,36,622 23,72,960
11 56 43,57,333 0 0 0 0 0 28,38,803 25,54,923
12 57 43,57,333 0 0 0 0 0 30,91,528 27,82,375
13 58 43,57,333 0 0 0 0 0 32,92,837 29,63,553
14 59 43,57,333 0 0 0 0 0 34,36,193 30,92,574
15 60 43,57,333 0 0 0 2,02,666 2,02,666 35,97,850 32,38,065
16 61 44,81,466 0 0 0 2,02,666 2,02,666 40,39,653 10,13,333
17 62 45,54,933 0 0 0 2,02,666 2,02,666 41,07,040 10,13,333
18 63 46,28,400 0 0 0 2,02,666 2,02,666 41,74,427 10,13,333
19 64 47,27,200 0 0 0 2,02,666 2,02,666 42,67,147 10,13,333
20 65 48,38,666 0 0 0 2,02,666 2,02,666 43,72,533 10,13,333
21 66 49,75,466 0 0 0 2,02,666 2,02,666 45,03,253 10,13,333
22 67 51,62,933 0 0 0 2,02,666 2,02,666 46,84,640 10,13,333
23 68 54,77,066 0 0 0 2,02,666 2,02,666 49,92,693 10,13,333
24 69 57,91,200 0 0 0 2,02,666 2,02,666 53,00,747 10,13,333
25 70 61,05,333 0 0 0 2,02,666 2,02,666 56,08,800 10,13,333
26 71 64,19,466 0 0 0 2,02,666 2,02,666 59,16,853 10,13,333
27 72 67,84,266 0 0 0 2,02,666 2,02,666 62,75,573 10,13,333
28 73 71,49,066 0 0 0 2,02,666 2,02,666 66,34,293 10,13,333
29 74 75,13,866 0 0 0 2,02,666 2,02,666 69,93,013 10,13,333
30 75 80,56,000 0 0 0 2,02,666 2,02,666 75,29,066 10,13,333
31 76 86,23,466 0 0 0 2,02,666 2,02,666 80,90,453 10,13,333
32 77 93,17,600 0 0 0 2,02,666 2,02,666 87,78,506 10,13,333
33 78 1,00,11,733 0 0 0 2,02,666 2,02,666 94,66,560 10,13,333
34 79 1,07,05,866 0 0 0 2,02,666 2,02,666 1,01,54,613 10,13,333
35 80 1,13,99,999 0 0 0 2,02,666 2,02,666 1,08,42,666 10,13,333
36 81 1,20,94,133 0 0 0 2,02,666 2,02,666 1,15,30,720 10,13,333
37 82 1,27,88,266 0 0 0 2,02,666 2,02,666 1,22,18,773 10,13,333
 MILIND WALAWALKAR
LIFE PLUS OFFICE - Creative Solutions

107, Gautam Udyog Bhavan, L.B.S. Marg,

Behind DENA BANK, Bhandup (W) 400 078.
Off - 2595 5115, 25955335. M - 9820125373.
Email - [email protected] - www.licagentcareer.com

Jeevan Umang Plan Presentation for Mr. Abc (age 45 years) Ref. No. Rrs0712

Policy Risk Cover Tax Net Returns From Cash Loan

Year Age (Natural Death) Premium Saved Premium LIC Net Cash Flow Value Available
38 83 1,34,82,399 0 0 0 2,02,666 2,02,666 1,29,06,826 10,13,333
39 84 1,41,76,533 0 0 0 2,02,666 2,02,666 1,35,94,879 10,13,333
40 85 1,48,70,666 0 0 0 2,02,666 2,02,666 1,42,82,933 10,13,333
41 86 1,49,31,466 0 0 0 2,02,666 2,02,666 1,43,37,653 10,13,333
42 87 1,49,92,266 0 0 0 2,02,666 2,02,666 1,43,92,373 10,13,333
43 88 1,50,53,066 0 0 0 2,02,666 2,02,666 1,44,47,093 10,13,333
44 89 1,51,13,866 0 0 0 2,02,666 2,02,666 1,45,01,813 10,13,333
45 90 1,51,74,666 0 0 0 2,02,666 2,02,666 1,45,56,533 10,13,333
46 91 1,52,35,466 0 0 0 2,02,666 2,02,666 1,46,11,253 10,13,333
47 92 1,52,96,266 0 0 0 2,02,666 2,02,666 1,46,65,973 10,13,333
48 93 1,53,57,066 0 0 0 2,02,666 2,02,666 1,47,20,693 10,13,333
49 94 1,54,17,866 0 0 0 2,02,666 2,02,666 1,47,75,413 10,13,333
50 95 1,54,78,666 0 0 0 2,02,666 2,02,666 1,48,30,133 10,13,333
51 96 1,55,39,466 0 0 0 2,02,666 2,02,666 1,48,84,853 10,13,333
52 97 1,56,00,266 0 0 0 2,02,666 2,02,666 1,49,39,573 10,13,333
53 98 1,56,61,066 0 0 0 2,02,666 2,02,666 1,49,94,293 10,13,333
54 99 1,57,21,866 0 0 0 2,02,666 2,02,666 1,50,49,013 10,13,333
55 100 1,57,82,666 0 0 0 1,57,82,664 1,57,82,664 1,51,03,733 0

30,39,064 27,39,064 2,38,89,304 2,08,50,266

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

Personal Data: DOB: 12/07/1973

Income Tax: Sec. 80C Limit Available: 1,50,000 Sec. 80D Limit Available: 15,000
Tax Savings on premiums will be @ 20.00 % u/s 80C and @ 20.00 % u/s 80D
Projections: Bonus:- Last declared reversionary bonus of plan no. 178 Jeevan Tarang has been considered for the purpose of projected Riskcover and
Returns.

Terminal Bonus: 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.
 MILIND WALAWALKAR
LIFE PLUS OFFICE - Creative Solutions

107, Gautam Udyog Bhavan, L.B.S. Marg,

Behind DENA BANK, Bhandup (W) 400 078.
Off - 2595 5115, 25955335. M - 9820125373.
Email - [email protected] - www.licagentcareer.com

Jeevan Umang Plan Presentation for Mr. Abc (age 45 years) Ref. No. Rrs0712

Assumption for Limited Payment

From the table below you will get the brief idea about the benefits you will get, if you pay for different Limited Payment options.
Pay Upto Year Survival Benefit Applicable Max Riskcover Max Cashvalue

3 60,800 47,34,800 45,31,120

4 81,067 63,13,066 60,41,493
5 1,01,333 78,91,333 75,51,866
6 1,21,600 94,69,600 90,62,240
7 1,41,867 1,10,47,867 1,05,72,614
8 1,62,133 1,26,26,133 1,20,82,986
9 1,82,400 1,42,04,400 1,35,93,360
10 2,02,667 1,57,82,666 1,51,03,733
11 2,22,933 1,73,60,934 1,66,14,107
12 2,43,200 1,89,39,200 1,81,24,480
13 2,63,467 2,05,17,466 1,96,34,853
14 2,83,733 2,20,95,734 2,11,45,227