Amit Saral

"Insure & be secure"
A presentation specially compiled for
Mr. Amit Kumar
Presented by :-
DARSHANA KULKARNI
Insurance Consultant
D-204, Ekta Bhoomi, Mahavir Nagar, Kandivali (West), Mumbai - 400 067
(m) 99670 22337 darshana768@gmail.com
DARSHANA KULKARNI
D-204, Ekta Bhoomi, Mahavir Nagar,
Kandivali (West), Mumbai - 400 067
(m) 99670 22337
darshana768@gmail.com
Magic Mix Illustration for Mr. Amit Kumar (age 28)
Ref. No. 458
Proposed Insurance
Id
Com.Date Plan Name
06/06/2013 165-Jeevan Saral
Term/
PPT
Basic Sum
Assured
Term
Rider SA
Accident
Rider SA
Crit.Illness. Premium
Rider SA
Waiver Md.
35/35
20,00,000
20,00,000
20,00,000
20,00,000
Install.
Premium
Tax
Beneficiary
96,080
Annual Premium:
96,080
Single Premium inclusive of service tax on applicable plans:
Total First Year Premium inclusive of service tax on applicable plans:
96,080
Subsequent Year Premium inclusive of service tax on applicable plans:
96,080
Modewise Summary of Installment Premiums
Id
Com. Date
Plan/Tm/PPT
06/06/2013
165/35/35
Interim * Bonus #Assu

Bonus
Rate
Step FAB
Rate
Rate
PREMIUM
SSS
Monthly
Quaterly
Half Yearly
Yearly
**Daily
8,167
8,167
24,500
48,520
96,080
263.23
8,167
8,167
24,500
48,520
96,080
263.23
1. '*' : - Assuming LIC will declare the above mentioned bonus rates for the year ended 31-Mar-2013
2. '#' : - Assuming that bonus rate declared by LIC will increase/decrease per year by step rate mentioned above.
3. '%' : - Assumed Growth Rate
4. '**' : - Daily premium is for indicative purpose only. Formula used - ( Yearly Premium/365).
Medical Requirement Details

Sum at Risk:
20,00,000
Medical by DMR:
FBS, Lipidogram, Elisa for HIV, Hb%
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.
No
DARSHANA KULKARNI
(m) 99670 22337
Ref. No. 458
Forecast of Insurance Benefits

Fin. Year
Ending
Ag
Risk Cover
(Natural Death)
Additional Cover
Accident
Crit. Ill.
PWB
Premium
For the Year

Returns
Cash Flow
Cash
Value
Loan
Available
31/03/2014
29
20,00,000
20,00,000
96,080
-96,080
31/03/2015
30
20,96,000
20,00,000
96,080
-96,080
31/03/2016
31
21,92,000
20,00,000
96,080
-96,080
31/03/2017
32
22,88,000
20,00,000
96,080
-96,080
2,59,266
2,33,250
31/03/2018
33
23,84,000
20,00,000
96,080
-96,080
3,73,959
3,36,500
31/03/2019
34
24,80,000
20,00,000
96,080
-96,080
4,65,611
4,19,000
31/03/2020
35
25,76,000
20,00,000
96,080
-96,080
5,60,740
5,04,750
31/03/2021
36
26,72,000
20,00,000
96,080
-96,080
6,60,452
5,94,500
31/03/2022
37
27,68,000
20,00,000
96,080
-96,080
7,65,063
6,88,500
31/03/2023
38
34,49,337
20,00,000
96,080
-96,080
14,72,617
13,25,250
31/03/2024
39
36,64,199
20,00,000
96,080
-96,080
17,12,279
15,41,000
31/03/2025
40
39,02,947
20,00,000
96,080
-96,080
19,75,907
17,78,250
31/03/2026
41
41,58,058
20,00,000
96,080
-96,080
22,65,898
20,39,250
31/03/2027
42
44,33,688
20,00,000
96,080
-96,080
25,84,888
23,26,500
31/03/2028
43
47,26,977
20,00,000
96,080
-96,080
29,35,777
26,42,250
31/03/2029
44
50,80,635
20,00,000
96,080
-96,080
33,21,755
29,89,500
31/03/2030
45
54,72,251
20,00,000
96,080
-96,080
37,46,331
33,71,750
31/03/2031
46
59,04,244
20,00,000
96,080
-96,080
42,13,364
37,92,000
31/03/2032
47
63,82,941
20,00,000
96,080
-96,080
47,27,101
42,54,500
31/03/2033
48
69,09,331
20,00,000
96,080
-96,080
52,92,211
47,63,000
31/03/2034
49
74,94,792
20,00,000
96,080
-96,080
59,13,832
53,22,500
31/03/2035
50
81,38,815
20,00,000
96,080
-96,080
65,97,615
59,37,750
31/03/2036
51
88,54,817
20,00,000
96,080
-96,080
73,49,777
66,14,750
31/03/2037
52
96,42,675
20,00,000
96,080
-96,080
81,77,155
73,59,500
31/03/2038
53
1,05,17,912
20,00,000
96,080
-96,080
90,87,272
81,78,500
31/03/2039
54
1,14,81,120
20,00,000
96,080
-96,080
1,00,88,400
90,79,500
31/03/2040
55
1,25,47,160
20,00,000
96,080
-96,080
1,11,89,640
1,00,70,750
31/03/2041
56
1,37,26,604
20,00,000
96,080
-96,080
1,24,01,004
1,11,61,000
31/03/2042
57
1,50,27,986
20,00,000
96,080
-96,080
1,37,33,506
1,23,60,250
31/03/2043
58
1,64,63,418
20,00,000
96,080
-96,080
1,51,99,258
1,36,79,250
31/03/2044
59
1,80,50,704
20,00,000
96,080
-96,080
1,68,11,584
1,51,30,500
31/03/2045
60
1,98,00,982
20,00,000
96,080
-96,080
1,85,85,142
1,67,26,750
31/03/2046
61
2,17,30,376
20,00,000
96,080
-96,080
2,05,36,056
1,84,82,500
31/03/2047
62
2,38,60,462
20,00,000
96,080
-96,080
2,26,82,062
2,04,13,750
31/03/2048
63
2,62,06,908
20,00,000
96,080
-96,080
2,50,42,668
2,25,38,500
06/06/2048
63
2,50,42,668
2,50,42,668
33,62,800
2,50,42,668
2,16,79,868
K e y
A s s u m p t
o n s
Personal Data:
DOB: 05/01/1985
Income Tax:
Sec. 80CCE Limit Available: 100000

Sec. 80D Limit Available: 10000
Tax Savings on premiums will be @ 30.60 % u/s 80CCE and @ 30.60 % u/s 80D
Projections:
Bonus: On applicable plans, last declared Interim Bonus has been considered for the purpose of projected Riskcover, Returns,
Cash Value and Loan calculations
Terminal Bonus: On applicable plans Terminal Bonus has been considered (On applicable plans last declared Terminal Bonus
Rates have been considered in the above calculations).
Disclaimer:
DARSHANA KULKARNI
(m) 99670 22337

Loyalty Addition: An estimated Loyalty addition has been considered on applicable plans. The estimation is only for the purpose of
understanding the benefits of this illustration and is purely indicative / non-guaranteed. Final figures may differ as per the actual
experience of the plan performance by L.I.C. of India.
Disclaimer:
Ref. No. 458
DARSHANA KULKARNI
(m) 99670 22337
Ref. No. 458
Premium Breakup & Tax Implication (for the year)

Premium Breakup
Fin. Year
Ending
Basic
Term
Rider
DAB
Critical
Illness
31/03/2014
94,080
31/03/2015
94,080
2,000
2,000
31/03/2016
94,080
31/03/2017
94,080
31/03/2018
94,080
31/03/2019
u/s 80 CCE
PWB
Other
Rider
2,000
2,000
2,000
94,080
31/03/2020
94,080
31/03/2021
31/03/2022
u/s 80 D
Total
Eligible
Amount
Tax Ben.
@30.6%
Eligible
Amount
Tax Ben.
@30.6%
Total
Benefit
96,080
96,080
29,400
29,400
96,080
96,080
29,400
29,400
96,080
96,080
29,400
29,400
96,080
96,080
29,400
29,400
96,080
96,080
29,400
29,400
2,000
96,080
96,080
29,400
29,400
2,000
96,080
96,080
29,400
29,400
94,080
2,000
96,080
96,080
29,400
29,400
94,080
2,000
96,080
96,080
29,400
29,400
31/03/2023
94,080
2,000
96,080
96,080
29,400
29,400
31/03/2024
94,080
2,000
96,080
96,080
29,400
29,400
31/03/2025
94,080
2,000
96,080
96,080
29,400
29,400
31/03/2026
94,080
2,000
96,080
96,080
29,400
29,400
31/03/2027
94,080
2,000
96,080
96,080
29,400
29,400
31/03/2028
94,080
2,000
96,080
96,080
29,400
29,400
31/03/2029
94,080
2,000
96,080
96,080
29,400
29,400
31/03/2030
94,080
2,000
96,080
96,080
29,400
29,400
31/03/2031
94,080
2,000
96,080
96,080
29,400
29,400
31/03/2032
94,080
2,000
96,080
96,080
29,400
29,400
31/03/2033
94,080
2,000
96,080
96,080
29,400
29,400
31/03/2034
94,080
2,000
96,080
96,080
29,400
29,400
31/03/2035
94,080
2,000
96,080
96,080
29,400
29,400
31/03/2036
94,080
2,000
96,080
96,080
29,400
29,400
31/03/2037
94,080
2,000
96,080
96,080
29,400
29,400
31/03/2038
94,080
2,000
96,080
96,080
29,400
29,400
31/03/2039
94,080
2,000
96,080
96,080
29,400
29,400
31/03/2040
94,080
2,000
96,080
96,080
29,400
29,400
31/03/2041
94,080
2,000
96,080
96,080
29,400
29,400
31/03/2042
94,080
2,000
96,080
96,080
29,400
29,400
31/03/2043
94,080
2,000
96,080
96,080
29,400
29,400
31/03/2044
94,080
2,000
96,080
96,080
29,400
29,400
31/03/2045
94,080
2,000
96,080
96,080
29,400
29,400
31/03/2046
94,080
2,000
96,080
96,080
29,400
29,400
31/03/2047
94,080
2,000
96,080
96,080
29,400
29,400
94,080
2,000
96,080
96,080
29,400
29,400
32,92,800
70,000
33,62,800
33,62,800
10,29,000
10,29,000
31/03/2048
Disclaimer:
DARSHANA KULKARNI
(m) 99670 22337
Ref. No. 458
Premium Calendar
Id
1
Apr
May
Jun
Jul
96,080
96,080
Aug
-
Sep
Oct
Nov
Dec
Jan
Feb
Annual Premium :
Disclaimer:
Mar
96,080
DARSHANA KULKARNI
(m) 99670 22337
Ref. No. 458
Innovative Forecast of Insurance Benefits

Fin. Year
Ending
Additional Cover
Accident Critical Ill.
Risk Cover
Age (Natural Death)
PWB
Payment
For the Year

Returns
Cash Flow
Cash
Value
Loan
Available
31/03/2014
29
20,00,000
20,00,000
96,080
-96,080
31/03/2015
30
20,96,000
20,00,000
96,080
-96,080
31/03/2016
31
21,92,000
20,00,000
96,080
-96,080
31/03/2017
32
22,88,000
20,00,000
96,080
-96,080
2,59,266
2,33,250
31/03/2018
33
23,84,000
20,00,000
96,080
-96,080
3,73,959
3,36,500
31/03/2019
34
24,80,000
20,00,000
96,080
-96,080
4,65,611
4,19,000
31/03/2020
35
25,76,000
20,00,000
96,080
-96,080
5,60,740
5,04,750
31/03/2021
36
26,72,000
20,00,000
96,080
-96,080
6,60,452
5,94,500
31/03/2022
37
27,68,000
20,00,000
96,080
-96,080
7,65,063
6,88,500
31/03/2023
38
34,49,337
20,00,000
96,080
-96,080
14,72,617
13,25,250
31/03/2024
39
36,64,199
20,00,000
96,080
-96,080
17,12,279
15,41,000
31/03/2025
40
39,02,947
20,00,000
96,080
-96,080
19,75,907
17,78,250
31/03/2026
41
41,58,058
20,00,000
96,080
-96,080
22,65,898
20,39,250
31/03/2027
42
44,33,688
20,00,000
96,080
-96,080
25,84,888
23,26,500
31/03/2028
43
47,26,977
20,00,000
96,080
-96,080
29,35,777
26,42,250
31/03/2029
44
50,80,635
20,00,000
96,080
-96,080
33,21,755
29,89,500
31/03/2030
45
54,72,251
20,00,000
96,080
-96,080
37,46,331
33,71,750
31/03/2031
46
59,04,244
20,00,000
96,080
-96,080
42,13,364
37,92,000
31/03/2032
47
63,82,941
20,00,000
96,080
-96,080
47,27,101
42,54,500
31/03/2033
48
69,09,331
20,00,000
96,080
-96,080
52,92,211
47,63,000
31/03/2034
49
74,94,792
20,00,000
96,080
-96,080
59,13,832
53,22,500
31/03/2035
50
81,38,815
20,00,000
96,080
-96,080
65,97,615
59,37,750
31/03/2036
51
88,54,817
20,00,000
96,080
-96,080
73,49,777
66,14,750
31/03/2037
52
96,42,675
20,00,000
96,080
-96,080
81,77,155
73,59,500
31/03/2038
53
1,05,17,912
20,00,000
96,080
-96,080
90,87,272
81,78,500
31/03/2039
54
1,14,81,120
20,00,000
96,080
-96,080
1,00,88,400
90,79,500
31/03/2040
55
1,25,47,160
20,00,000
96,080
-96,080
1,11,89,640
1,00,70,750
31/03/2041
56
1,37,26,604
20,00,000
96,080
-96,080
1,24,01,004
1,11,61,000
31/03/2042
57
1,50,27,986
20,00,000
96,080
-96,080
1,37,33,506
1,23,60,250
31/03/2043
58
1,64,63,418
20,00,000
96,080
-96,080
1,51,99,258
1,36,79,250
31/03/2044
59
1,80,50,704
20,00,000
96,080
-96,080
1,68,11,584
1,51,30,500
31/03/2045
60
1,98,00,982
20,00,000
96,080
-96,080
1,85,85,142
1,67,26,750
31/03/2046
61
2,17,30,376
20,00,000
96,080
-96,080
2,05,36,056
1,84,82,500
31/03/2047
62
2,38,60,462
20,00,000
96,080
-96,080
2,26,82,062
2,04,13,750
31/03/2048
63
2,62,06,908
20,00,000
96,080
-96,080
2,50,42,668
2,25,38,500
06/06/2048
63
2,50,42,668
2,50,42,668
33,62,800
2,50,42,668
2,16,79,868
Explanatory Notes
Payment to L.I.C. indicates Annual Premium and /or Advance Premiums
Returns in the Year indicates Normal Cash Flow and /or Cash Flow taken from L.I.C. in installments (Inclusive of Interest).
Disclaimer:

Amit Saral

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"Insure & be secure"

A presentation specially compiled for

Mr. Amit Kumar

Magic Mix Illustration for Mr. Amit Kumar (age 28)

Ref. No. 458

Com.Date Plan Name

06/06/2013 165-Jeevan Saral

Single Premium inclusive of service tax on applicable plans:

Total First Year Premium inclusive of service tax on applicable plans:

Subsequent Year Premium inclusive of service tax on applicable plans:

Modewise Summary of Installment Premiums

Interim * Bonus #Assu

Medical Requirement Details

FBS, Lipidogram, Elisa for HIV, Hb%

Magic Mix Illustration for Mr. Amit Kumar (age 28)

Ref. No. 458

Forecast of Insurance Benefits

For the Year

Sec. 80CCE Limit Available: 100000

Magic Mix Illustration for Mr. Amit Kumar (age 28)

Ref. No. 458

Magic Mix Illustration for Mr. Amit Kumar (age 28)

Ref. No. 458

Premium Breakup & Tax Implication (for the year)

Magic Mix Illustration for Mr. Amit Kumar (age 28)

Ref. No. 458

Magic Mix Illustration for Mr. Amit Kumar (age 28)

Ref. No. 458

Innovative Forecast of Insurance Benefits

For the Year

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