Jeevan Umang (Plan No.

- 845)

Illustration specially prepared for

Mr. Hemal Patel PPT 7

(age 34 years)

Benefits Illustration Summary

Sum Assured Rs. 75,00,000

Term/PPT 66/15 years

Premium Basic GST Installment

ü Exclusive Plan for Saving and Retirement Planning. First Year 5,86,830 26,407 6,13,237
Subsequent Year 5,86,830 13,204 6,00,034
ü Guaranteed Lifetime Income at 8.00%
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 10.34 % 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. 79,50,000. 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. 5,23,50,000 in the
payment of nominal additional premium. year 2085 when your age will be
ü Free lookup period for 15 Days. 100. An additional accidental
death cover of Rs.75,00,000 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. 46,350
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
Nidhi Investment Consultant This illustration contains guaranteed and non-guaranteed benefits.The
Bhavesh B Patel purpose of this illustration is solely to help you understand the projected
MDRT - Life Insurance Advisor benefits that may be possible in future. The presenter in no manner is
LIC of India - Ahmedabad 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.
 Nidhi Investment Consultant
Bhavesh B Patel

MDRT - Life Insurance Advisor

LIC of India - Ahmedabad

Jeevan Umang Plan Presentation for Mr. Hemal Patel PPT 7 (age 34 years) Ref. No. 000000000001

Forecast of Insurance Benefits

Mode of Premium Yearly Rider

Installment Premium 6,13,237(6,00,034 from 2nd yr onwards) Accident Cover : 75,00,000
Date of Report 22/07/2020 Term Rider : Not Opted

Term 66 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 35 79,50,000 6,13,237
- 46,350 5,66,887 0 -6,13,237 0 0
2 36 84,00,000 6,00,034
- 46,350 5,53,684 0 -6,00,034 0 0
3 37 88,50,000 6,00,034
- 46,350 5,53,684 0 -6,00,034 11,45,130 10,30,617
4 38 93,00,000 6,00,034
- 46,350 5,53,684 0 -6,00,034 16,46,160 14,81,544
5 39 97,50,000 6,00,034
- 46,350 5,53,684 0 -6,00,034 22,18,725 19,96,852
6 40 1,02,00,000 6,00,034
- 46,350 5,53,684 0 -6,00,034 28,26,060 25,43,454
7 41 1,06,50,000 6,00,034
- 46,350 5,53,684 0 -6,00,034 35,10,535 31,59,482
8 42 1,11,00,000 6,00,034
- 46,350 5,53,684 0 -6,00,034 42,87,920 38,59,128
9 43 1,15,50,000 6,00,034
- 46,350 5,53,684 0 -6,00,034 51,73,605 46,56,244
10 44 1,20,00,000 6,00,034
- 46,350 5,53,684 0 -6,00,034 61,89,250 55,70,325
11 45 1,24,50,000 6,00,034
- 46,350 5,53,684 0 -6,00,034 74,14,275 66,72,848
12 46 1,29,00,000 6,00,034
- 46,350 5,53,684 0 -6,00,034 86,14,980 77,53,482
13 47 1,33,50,000 6,00,034
- 46,350 5,53,684 0 -6,00,034 97,39,210 87,65,289
14 48 1,38,00,000 6,00,034
- 46,350 5,53,684 0 -6,00,034 1,09,81,810 98,83,629
15 49 1,44,00,000 6,00,034
- 46,350 5,53,684 6,00,000 -34 1,29,75,000 1,16,77,500
16 50 1,46,62,500 0 0 0 6,00,000 6,00,000 1,32,15,000 30,00,000
17 51 1,49,25,000 0 0 0 6,00,000 6,00,000 1,34,55,000 30,00,000
18 52 1,51,87,500 0 0 0 6,00,000 6,00,000 1,36,95,000 30,00,000
19 53 1,55,25,000 0 0 0 6,00,000 6,00,000 1,40,10,000 30,00,000
20 54 1,59,00,000 0 0 0 6,00,000 6,00,000 1,43,62,500 30,00,000
21 55 1,63,50,000 0 0 0 6,00,000 6,00,000 1,47,90,000 30,00,000
22 56 1,69,50,000 0 0 0 6,00,000 6,00,000 1,53,67,500 30,00,000
23 57 1,79,25,000 0 0 0 6,00,000 6,00,000 1,63,20,000 30,00,000
24 58 1,89,00,000 0 0 0 6,00,000 6,00,000 1,72,72,500 30,00,000
25 59 1,98,75,000 0 0 0 6,00,000 6,00,000 1,82,25,000 30,00,000
26 60 2,08,50,000 0 0 0 6,00,000 6,00,000 1,91,77,500 30,00,000
27 61 2,19,75,000 0 0 0 6,00,000 6,00,000 2,02,80,000 30,00,000
28 62 2,31,00,000 0 0 0 6,00,000 6,00,000 2,13,82,500 30,00,000
29 63 2,42,25,000 0 0 0 6,00,000 6,00,000 2,24,85,000 30,00,000
30 64 2,58,75,000 0 0 0 6,00,000 6,00,000 2,41,12,500 30,00,000
31 65 2,76,00,000 0 0 0 6,00,000 6,00,000 2,58,15,000 30,00,000
32 66 2,97,00,000 0 0 0 6,00,000 6,00,000 2,78,92,500 30,00,000
33 67 3,18,00,000 0 0 0 6,00,000 6,00,000 2,99,70,000 30,00,000
34 68 3,39,00,000 0 0 0 6,00,000 6,00,000 3,20,47,500 30,00,000
35 69 3,60,00,000 0 0 0 6,00,000 6,00,000 3,41,25,000 30,00,000
36 70 3,81,00,000 0 0 0 6,00,000 6,00,000 3,62,02,500 30,00,000
 Nidhi Investment Consultant
Bhavesh B Patel

MDRT - Life Insurance Advisor

LIC of India - Ahmedabad

Jeevan Umang Plan Presentation for Mr. Hemal Patel PPT 7 (age 34 years) Ref. No. 000000000001

Policy Risk Cover Tax Net Returns From Cash Loan

Year Age (Natural Death) Premium Saved Premium LIC Net Cash Flow Value Available
37 71 4,02,00,000 0 0 0 6,00,000 6,00,000 3,82,80,000 30,00,000
38 72 4,23,00,000 0 0 0 6,00,000 6,00,000 4,03,57,500 30,00,000
39 73 4,44,00,000 0 0 0 6,00,000 6,00,000 4,24,35,000 30,00,000
40 74 4,65,00,000 0 0 0 6,00,000 6,00,000 4,45,12,500 30,00,000
41 75 4,67,25,000 0 0 0 6,00,000 6,00,000 4,47,15,000 30,00,000
42 76 4,69,50,000 0 0 0 6,00,000 6,00,000 4,49,17,500 30,00,000
43 77 4,71,75,000 0 0 0 6,00,000 6,00,000 4,51,20,000 30,00,000
44 78 4,74,00,000 0 0 0 6,00,000 6,00,000 4,53,22,500 30,00,000
45 79 4,76,25,000 0 0 0 6,00,000 6,00,000 4,55,25,000 30,00,000
46 80 4,78,50,000 0 0 0 6,00,000 6,00,000 4,57,27,500 30,00,000
47 81 4,80,75,000 0 0 0 6,00,000 6,00,000 4,59,30,000 30,00,000
48 82 4,83,00,000 0 0 0 6,00,000 6,00,000 4,61,32,500 30,00,000
49 83 4,85,25,000 0 0 0 6,00,000 6,00,000 4,63,35,000 30,00,000
50 84 4,87,50,000 0 0 0 6,00,000 6,00,000 4,65,37,500 30,00,000
51 85 4,89,75,000 0 0 0 6,00,000 6,00,000 4,67,40,000 30,00,000
52 86 4,92,00,000 0 0 0 6,00,000 6,00,000 4,69,42,500 30,00,000
53 87 4,94,25,000 0 0 0 6,00,000 6,00,000 4,71,45,000 30,00,000
54 88 4,96,50,000 0 0 0 6,00,000 6,00,000 4,73,47,500 30,00,000
55 89 4,98,75,000 0 0 0 6,00,000 6,00,000 4,75,50,000 30,00,000
56 90 5,01,00,000 0 0 0 6,00,000 6,00,000 4,77,52,500 30,00,000
57 91 5,03,25,000 0 0 0 6,00,000 6,00,000 4,79,55,000 30,00,000
58 92 5,05,50,000 0 0 0 6,00,000 6,00,000 4,81,57,500 30,00,000
59 93 5,07,75,000 0 0 0 6,00,000 6,00,000 4,83,60,000 30,00,000
60 94 5,10,00,000 0 0 0 6,00,000 6,00,000 4,85,62,500 30,00,000
61 95 5,12,25,000 0 0 0 6,00,000 6,00,000 4,87,65,000 30,00,000
62 96 5,14,50,000 0 0 0 6,00,000 6,00,000 4,89,67,500 30,00,000
63 97 5,16,75,000 0 0 0 6,00,000 6,00,000 4,91,70,000 30,00,000
64 98 5,19,00,000 0 0 0 6,00,000 6,00,000 4,93,72,500 30,00,000
65 99 5,21,25,000 0 0 0 6,00,000 6,00,000 4,95,75,000 30,00,000
66 100 5,23,50,000 0 0 0 5,23,50,000 5,23,50,000 4,97,77,500 0

90,13,713 83,18,463 8,29,50,000 7,39,36,287

 Nidhi Investment Consultant
Bhavesh B Patel

MDRT - Life Insurance Advisor

LIC of India - Ahmedabad

Jeevan Umang Plan Presentation for Mr. Hemal Patel PPT 7 (age 34 years) Ref. No. 000000000001

“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 7 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 35 79,50,000 6,13,237
- 46,350 5,66,887 0 -6,13,237 0 0
2 36 84,00,000 6,00,034
- 46,350 5,53,684 0 -6,00,034 0 0
3 37 88,50,000 6,00,034
- 46,350 5,53,684 0 -6,00,034 11,45,130 10,30,617
4 38 93,00,000 6,00,034
- 46,350 5,53,684 0 -6,00,034 16,46,160 14,81,544
5 39 97,50,000 6,00,034
- 46,350 5,53,684 0 -6,00,034 22,18,725 19,96,852
6 40 1,02,00,000 6,00,034
- 46,350 5,53,684 0 -6,00,034 28,26,060 25,43,454
7 41 1,06,50,000 6,00,034
- 46,350 5,53,684 0 -6,00,034 35,10,535 31,59,482
8 42 66,50,000 0 0 0 0 0 37,51,930 30,01,544
9 43 66,50,000 0 0 0 0 0 40,23,915 32,19,132
10 44 66,50,000 0 0 0 0 0 43,32,475 34,65,980
11 45 66,50,000 0 0 0 0 0 47,18,175 37,74,540
12 46 66,50,000 0 0 0 0 0 50,25,405 40,20,324
13 47 66,50,000 0 0 0 0 0 52,44,190 41,95,352
14 48 66,50,000 0 0 0 0 0 54,90,905 43,92,724
15 49 66,50,000 0 0 0 2,80,000 2,80,000 60,55,000 48,44,000
16 50 68,42,500 0 0 0 2,80,000 2,80,000 61,67,000 14,00,000
17 51 69,65,000 0 0 0 2,80,000 2,80,000 62,79,000 14,00,000
18 52 70,87,500 0 0 0 2,80,000 2,80,000 63,91,000 14,00,000
19 53 72,45,000 0 0 0 2,80,000 2,80,000 65,38,000 14,00,000
20 54 74,20,000 0 0 0 2,80,000 2,80,000 67,02,500 14,00,000
21 55 76,30,000 0 0 0 2,80,000 2,80,000 69,02,000 14,00,000
22 56 79,10,000 0 0 0 2,80,000 2,80,000 71,71,500 14,00,000
23 57 83,65,000 0 0 0 2,80,000 2,80,000 76,16,000 14,00,000
24 58 88,20,000 0 0 0 2,80,000 2,80,000 80,60,500 14,00,000
25 59 92,75,000 0 0 0 2,80,000 2,80,000 85,05,000 14,00,000
26 60 97,30,000 0 0 0 2,80,000 2,80,000 89,49,500 14,00,000
27 61 1,02,55,000 0 0 0 2,80,000 2,80,000 94,64,000 14,00,000
28 62 1,07,80,000 0 0 0 2,80,000 2,80,000 99,78,500 14,00,000
29 63 1,13,05,000 0 0 0 2,80,000 2,80,000 1,04,93,000 14,00,000
30 64 1,20,75,000 0 0 0 2,80,000 2,80,000 1,12,52,500 14,00,000
31 65 1,28,80,000 0 0 0 2,80,000 2,80,000 1,20,47,000 14,00,000
32 66 1,38,60,000 0 0 0 2,80,000 2,80,000 1,30,16,500 14,00,000
33 67 1,48,40,000 0 0 0 2,80,000 2,80,000 1,39,86,000 14,00,000
34 68 1,58,20,000 0 0 0 2,80,000 2,80,000 1,49,55,500 14,00,000
35 69 1,68,00,000 0 0 0 2,80,000 2,80,000 1,59,25,000 14,00,000
36 70 1,77,80,000 0 0 0 2,80,000 2,80,000 1,68,94,500 14,00,000
37 71 1,87,60,000 0 0 0 2,80,000 2,80,000 1,78,64,000 14,00,000
 Nidhi Investment Consultant
Bhavesh B Patel

MDRT - Life Insurance Advisor

LIC of India - Ahmedabad

Jeevan Umang Plan Presentation for Mr. Hemal Patel PPT 7 (age 34 years) Ref. No. 000000000001

Policy Risk Cover Tax Net Returns From Cash Loan

Year Age (Natural Death) Premium Saved Premium LIC Net Cash Flow Value Available
38 72 1,97,40,000 0 0 0 2,80,000 2,80,000 1,88,33,500 14,00,000
39 73 2,07,20,000 0 0 0 2,80,000 2,80,000 1,98,03,000 14,00,000
40 74 2,17,00,000 0 0 0 2,80,000 2,80,000 2,07,72,500 14,00,000
41 75 2,18,05,000 0 0 0 2,80,000 2,80,000 2,08,67,000 14,00,000
42 76 2,19,10,000 0 0 0 2,80,000 2,80,000 2,09,61,500 14,00,000
43 77 2,20,15,000 0 0 0 2,80,000 2,80,000 2,10,56,000 14,00,000
44 78 2,21,20,000 0 0 0 2,80,000 2,80,000 2,11,50,500 14,00,000
45 79 2,22,25,000 0 0 0 2,80,000 2,80,000 2,12,45,000 14,00,000
46 80 2,23,30,000 0 0 0 2,80,000 2,80,000 2,13,39,500 14,00,000
47 81 2,24,35,000 0 0 0 2,80,000 2,80,000 2,14,34,000 14,00,000
48 82 2,25,40,000 0 0 0 2,80,000 2,80,000 2,15,28,500 14,00,000
49 83 2,26,45,000 0 0 0 2,80,000 2,80,000 2,16,23,000 14,00,000
50 84 2,27,50,000 0 0 0 2,80,000 2,80,000 2,17,17,500 14,00,000
51 85 2,28,55,000 0 0 0 2,80,000 2,80,000 2,18,12,000 14,00,000
52 86 2,29,60,000 0 0 0 2,80,000 2,80,000 2,19,06,500 14,00,000
53 87 2,30,65,000 0 0 0 2,80,000 2,80,000 2,20,01,000 14,00,000
54 88 2,31,70,000 0 0 0 2,80,000 2,80,000 2,20,95,500 14,00,000
55 89 2,32,75,000 0 0 0 2,80,000 2,80,000 2,21,90,000 14,00,000
56 90 2,33,80,000 0 0 0 2,80,000 2,80,000 2,22,84,500 14,00,000
57 91 2,34,85,000 0 0 0 2,80,000 2,80,000 2,23,79,000 14,00,000
58 92 2,35,90,000 0 0 0 2,80,000 2,80,000 2,24,73,500 14,00,000
59 93 2,36,95,000 0 0 0 2,80,000 2,80,000 2,25,68,000 14,00,000
60 94 2,38,00,000 0 0 0 2,80,000 2,80,000 2,26,62,500 14,00,000
61 95 2,39,05,000 0 0 0 2,80,000 2,80,000 2,27,57,000 14,00,000
62 96 2,40,10,000 0 0 0 2,80,000 2,80,000 2,28,51,500 14,00,000
63 97 2,41,15,000 0 0 0 2,80,000 2,80,000 2,29,46,000 14,00,000
64 98 2,42,20,000 0 0 0 2,80,000 2,80,000 2,30,40,500 14,00,000
65 99 2,43,25,000 0 0 0 2,80,000 2,80,000 2,31,35,000 14,00,000
66 100 2,44,30,000 0 0 0 2,44,30,000 2,44,30,000 2,32,29,500 0

42,13,441 38,88,991 3,87,10,000 3,44,96,559

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

Personal Data: DOB: 21/03/1986

Income Tax: Sec. 80C Limit Available: 1,50,000 Sec. 80D Limit Available: 15,000
Tax Savings on premiums will be @ 30.90 % u/s 80C and @ 30.90 % u/s 80D
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.
Age and Returns shown are at the end of the specific year.
 Nidhi Investment Consultant
Bhavesh B Patel

MDRT - Life Insurance Advisor

LIC of India - Ahmedabad

Jeevan Umang Plan Presentation for Mr. Hemal Patel PPT 7 (age 34 years) Ref. No. 000000000001

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 1,20,000 1,04,70,000 99,55,500

4 1,60,000 1,39,60,000 1,32,74,000
5 2,00,000 1,74,50,000 1,65,92,500
6 2,40,000 2,09,40,000 1,99,11,000
7 2,80,000 2,44,30,000 2,32,29,500
8 3,20,000 2,79,20,000 2,65,48,000
9 3,60,000 3,14,10,000 2,98,66,500
10 4,00,000 3,49,00,000 3,31,85,000
11 4,40,000 3,83,90,000 3,65,03,500
12 4,80,000 4,18,80,000 3,98,22,000
13 5,20,000 4,53,70,000 4,31,40,500
14 5,60,000 4,88,60,000 4,64,59,000