New Jeevan Nidhi

(Plan No. - 818)

Illustration specially prepared for

Mr. Bala
(age 22 years)

Benefits Illustration Summary

Conventional Deferred Retirement Plan

Allows moderate regular savings to build a

sizeable corpus on maturity

Rs. 25,00,000

Term

35 years

Premium

Your Yearly premium under

this policy is Rs. 65,743. In 35
years you will pay a total of
Rs. 22,67,481.

Annuity Benefit

Life Cover to the extent of Sum Assured +

accrued Guaranteed Additions + Bonus + Final
Additional Bonus (as applicable)

Sum Assured

On Maturity of the term, Sum Assured +

Year
36

In this policy your life cover

will start at Rs. 26,25,000. By
virtue of bonus getting added
every year, your risk cover
will grow to Rs. 1,20,25,000
when your age will be 57.

Tax Saving

You can save a tax of Rs.

19,514 under Sec.80 CCE,
against every premium paid

Yield

The nett return works out to

8.51% (pre-tax) &
9.60%(post-tax)

Additional Bonus (as applicable) will be available

for purchasing annuity

Options available on maturity:

Purchase immediate annuity OR

Purchase deferred annuity

Optional Benefit:
LICs Accidental Death and Disability Benefit Rider

92,067 For Life

Life Cover

accrued Guaranteed Additions + Bonus + Final

Annuity Description

is available as an optional rider

Premium paid are Tax Exempted u/s 80 C

Plan Parameters
Parameter

Min

Max

Age

20

60

Term

35

100000

No Limit

Sum Assured
Modes

Yly, Hly, Qly, Mly, Sng, SSS

Presented by

M KARUNANIDHI
Insurance Investment Consultant
No. 44, Lingappa Chetty Street,
Coimbatore 641 001
Tel: 0422 - 2476045, Cell: 98430 - 65776, 98431 - 65536
e-mail. karuna_lic@yahoo.co.in

This illustration contains guaranteed and non-guaranteed benefits.The

purpose of this illustration is solely to help you understand the projected
benefits that may be possible in future. The presenter in no manner is
promising or giving a guarantee about such projected benefits.The actual
benefits will depend upon the future performance of L.I.C. Of India with
respect to this product.

M KARUNANIDHI
Insurance Investment Consultant
No. 44, Lingappa Chetty Street,
Coimbatore 641 001
Tel: 0422 - 2476045, Cell: 98430 - 65776, 98431 - 65536
e-mail. karuna_lic@yahoo.co.in

New Jeevan Nidhi Plan Presentation for Mr. Bala (age 22 years)

Forecast of Insurance Benefits

Risk Covered

Mode of Premium

Yearly

Installment Premium

65,743

Accident Cover

2500000

Date of Report

06/10/2014

Crit. Illness Cover

Term

35

Premium Waiver Benefit

Policy
Year

Age

Risk Cover
(Natural Death)

Premium

Tax
Saved

Net
Premium

Returns From
LIC

Net Cash Flow

Cash
Value

Loan
Available

23

26,25,000

65,743
-

19,514

46,229

-65,743

24

27,50,000

64,757
-

19,514

45,243

-64,757

25

28,75,000

64,757
-

19,514

45,243

-64,757

95,045

26

30,00,000

64,757
-

19,514

45,243

-64,757

1,79,494

27

31,25,000

64,757
-

19,514

45,243

-64,757

2,29,305

28

32,30,000

64,757
-

19,514

45,243

-64,757

2,78,935

29

33,35,000

64,757
-

19,514

45,243

-64,757

3,30,934

30

34,40,000

64,757
-

19,514

45,243

-64,757

3,90,777

31

35,45,000

64,757
-

19,514

45,243

-64,757

4,54,852

10

32

36,50,000

64,757
-

19,514

45,243

-64,757

5,23,299

11

33

37,55,000

64,757
-

19,514

45,243

-64,757

5,96,335

12

34

38,60,000

64,757
-

19,514

45,243

-64,757

6,74,665

13

35

39,65,000

64,757
-

19,514

45,243

-64,757

7,58,168

14

36

40,70,000

64,757
-

19,514

45,243

-64,757

8,47,321

15

37

42,25,000

64,757
-

19,514

45,243

-64,757

9,42,576

16

38

43,42,500

64,757
-

19,514

45,243

-64,757

10,44,247

17

39

44,60,000

64,757
-

19,514

45,243

-64,757

11,52,649

18

40

45,77,500

64,757
-

19,514

45,243

-64,757

12,68,496

19

41

47,20,000

64,757

19,514

45,243

-64,757

13,91,956

20

42

48,75,000

64,757
-

19,514

45,243

-64,757

15,24,034

21

43

50,55,000

64,757
-

19,514

45,243

-64,757

16,65,070

22

44

52,85,000

64,757
-

19,514

45,243

-64,757

18,15,947

23

45

56,40,000

64,757
-

19,514

45,243

-64,757

19,77,038

24

46

59,95,000

64,757
-

19,514

45,243

-64,757

21,49,603

25

47

63,50,000

64,757
-

19,514

45,243

-64,757

23,34,752

26

48

67,05,000

64,757
-

19,514

45,243

-64,757

25,33,118

27

49

71,10,000

64,757
-

19,514

45,243

-64,757

27,24,196

28

50

75,15,000

64,757
-

19,514

45,243

-64,757

29,31,581

29

51

79,20,000

64,757

19,514

45,243

-64,757

31,57,824

30

52

85,00,000

64,757
-

19,514

45,243

-64,757

34,07,164

31

53

91,05,000

64,757
-

19,514

45,243

-64,757

36,96,335

32

54

98,35,000

64,757
-

19,514

45,243

-64,757

41,24,274

33

55

1,05,65,000

64,757
-

19,514

45,243

-64,757

46,04,466

34

56

1,12,95,000

64,757
-

19,514

45,243

-64,757

51,45,365

35

57

1,20,25,000

64,757
-

19,514

45,243

-64,757

57,56,685

36

58

10,12,737

10,12,737

M KARUNANIDHI
Insurance Investment Consultant
No. 44, Lingappa Chetty Street,
Coimbatore 641 001
Tel: 0422 - 2476045, Cell: 98430 - 65776, 98431 - 65536
e-mail. karuna_lic@yahoo.co.in

New Jeevan Nidhi Plan Presentation for Mr. Bala (age 22 years)
Policy
Year

Age

Risk Cover
(Natural Death)

Premium

Tax
Saved

Net
Premium

Returns From
LIC

Net Cash Flow

Cash
Value

Loan
Available

37

59

11,04,804

11,04,804

38

60

11,04,804

11,04,804

39

61

11,04,804

11,04,804

40

62

11,04,804

11,04,804

41

63

11,04,804

11,04,804

42

64

11,04,804

11,04,804

43

65

11,04,804

11,04,804

44

66

11,04,804

11,04,804

45

67

11,04,804

11,04,804

46

68

11,04,804

11,04,804

47

69

11,04,804

11,04,804

48

70

11,04,804

11,04,804

49

71

11,04,804

11,04,804

50

72

11,04,804

11,04,804

51

73

11,04,804

11,04,804

52

74

11,04,804

11,04,804

53

75

11,04,804

11,04,804

54

76

11,04,804

11,04,804

55

77

11,04,804

11,04,804

56

78

11,04,804

11,04,804

57

79

11,04,804

11,04,804

58

80

11,04,804

11,04,804

59

81

11,04,804

11,04,804

60

82

11,04,804

11,04,804

61

83

11,04,804

11,04,804

62

84

11,04,804

11,04,804

63

85

11,04,804

11,04,804

64

86

11,04,804

11,04,804

65

87

11,04,804

11,04,804

66

88

11,04,804

11,04,804

67

89

11,04,804

11,04,804

68

90

11,04,804

11,04,804

69

91

11,04,804

11,04,804

70

92

11,04,804

11,04,804

71

93

11,04,804

11,04,804

72

94

11,04,804

11,04,804

73

95

11,04,804

11,04,804

74

96

11,04,804

11,04,804

75

97

11,04,804

11,04,804

76

98

11,04,804

11,04,804

77

99

11,04,804

11,04,804

78

100

11,04,804

11,04,804

79

101

92,067

92,067

M KARUNANIDHI
Insurance Investment Consultant
No. 44, Lingappa Chetty Street,
Coimbatore 641 001
Tel: 0422 - 2476045, Cell: 98430 - 65776, 98431 - 65536
e-mail. karuna_lic@yahoo.co.in

New Jeevan Nidhi Plan Presentation for Mr. Bala (age 22 years)
15,84,491

22,67,481

4,75,06,572

4,52,39,091

Yield on Investments (Pre Tax) : 8.51 %

K e y

A s s u mp t i o n s

Personal Data: DOB: 06/10/1992

Income Tax:

Sec. 80C Limit Available: 100000

Tax Savings on premiums will be @ 30.60 % u/s 80C

Projections:

Bonus: Last declared reversionary bonus 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.