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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. Bhagvatilal V Jain (age 45) Ref. No. 000000000023
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 21/15 5,00,000 5,00,000 5,00,000 Y 35,525
2 18/11/2018 836-Jeevan Labh 25/16 4,00,000 4,00,000 4,00,000 Y 26,621
9,00,000 9,00,000 9,00,000

Annual Premium: 62,147

'^' : - 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 18/11/18 836/21/15 5,00,000 Y 33,996 1,530 35,526 765 34,761
2 18/11/18 836/25/16 4,00,000 Y 25,475 1,146 26,621 573 26,048
9,00,000 59,471 2,676 62,147 1,338 60,809

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 836/21/15 47 100 Y 35,526 17,945 9,062 3,021 0 97.33
2 18/11/2018 836/25/16 50 450 Y 26,621 13,444 6,788 2,262 0 72.93
62,147 31,389 15,850 5,283 0 170.26
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. Bhagvatilal V Jain (age 45) Ref. No. 000000000023

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 46 18,43,500 27,43,500 62,147 0 -62,147 0
31/03/2020 47 18,87,000 27,87,000 60,809 0 -60,809 0
31/03/2021 48 19,30,500 28,30,500 60,809 0 -60,809 48,171
31/03/2022 49 19,74,000 28,74,000 60,809 0 -60,809 1,25,666
31/03/2023 50 20,17,500 29,17,500 60,809 0 -60,809 1,59,033
31/03/2024 51 20,61,000 29,61,000 60,809 0 -60,809 1,92,728
31/03/2025 52 21,04,500 30,04,500 60,809 0 -60,809 2,26,847
31/03/2026 53 21,48,000 30,48,000 60,809 0 -60,809 2,69,490
31/03/2027 54 21,91,500 30,91,500 60,809 0 -60,809 3,14,502
31/03/2028 55 22,35,000 31,35,000 60,809 0 -60,809 3,62,449
31/03/2029 56 22,78,500 31,78,500 60,809 0 -60,809 4,13,303
31/03/2030 57 23,22,000 32,22,000 60,809 0 -60,809 4,65,659
31/03/2031 58 23,65,500 32,65,500 60,809 0 -60,809 5,21,214
31/03/2032 59 24,09,000 33,09,000 60,809 0 -60,809 5,80,429
31/03/2033 60 24,70,500 33,70,500 60,809 0 -60,809 6,42,325
31/03/2034 61 25,18,500 34,18,500 26,048 0 -26,048 6,86,665
31/03/2035 62 25,66,500 34,66,500 0 0 0 7,17,831
31/03/2036 63 26,14,500 35,14,500 0 0 0 7,51,685
31/03/2037 64 26,71,500 35,71,500 0 0 0 7,86,986
31/03/2038 65 27,33,000 36,33,000 0 0 0 8,30,344
31/03/2039 66 28,03,500 37,03,500 0 0 0 8,73,404
31/03/2040 67 13,00,000 17,00,000 0 10,43,500 10,43,500 3,75,322
31/03/2041 68 13,60,000 17,60,000 0 0 0 3,94,026
31/03/2042 69 14,20,000 18,20,000 0 0 0 4,17,672
31/03/2043 70 14,80,000 18,80,000 0 0 0 4,44,672
18/11/2043 70 0 0 0 10,80,000 10,80,000 0

9,39,521 21,23,500 11,83,979

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. Bhagvatilal V Jain (age 45) Ref. No. 000000000023

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

Personal Data: DOB: 15/06/1973


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.

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. Bhagvatilal V Jain (age 45) Ref. No. 000000000023

Premium Calendar

Id Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar
1 - - - - - - - 35,526 - - - -
2 - - - - - - - 26,621 - - - -
- - - - - - - 62,147 - - - -

Annual Premium : 62,147

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.