Retire N Enjoy Pension (Short Term) Plan - 2

Insurance Proposal for
Mr. XYZ
for Annual Income of Rs. 104000/- from age 47 to 99
Presented by
Swaran Jeet Singh

FOR ALL KIND OF LIC POLICIES...
Off.: Br 129, 20 A, Shivaji Marg (Near Haldi Ram),
Moti Nagar, New Delhi - 110015
Mobile No.>> 9654748888 / 9540340443
lic.advisor.1720@gmail.com
Insurance Proposal for
Mr. XYZ
The objective of this proposal is to provide financial security to your
family during your productive span and a happy independent retired
for Annual Income of

Rs. 104000/from age 47 to 99
lifestyle for yourself and your spouse when you decide to retire.
At this moment your familys dependancy on you is very

high. Your hard work ensures that they get the best in their
life. Hence this proposal provides for a high riskcover of
Rs.2126450/- starting at your age of 35 and growing to
Rs.3728650/- at age 46. During this period you will need
to make annual premium payments of Rs. 102252/-
To compliment a comfortable lifestyle for you in your

golden years this plan will provide annual tax-free income
from age 47 to 99. You will recieve annual income of
Rs.106556/-.
No premiums are payable from your own funds after 46.

During the income period too your life will be covered.
In case of death during this period a lumpsum amount
shall be paid to your nominee.
In the event of any emergency or financial difficulties,

there is a provision under this Magic Plan to provide loan
against the insurance policy after payment of 3 yearly
premiums.
Disclaimer:
Certain benefits illustrated under this MagicPlan Retire & Enjoy are based on performance projections of the underlying
L.I.C. plans. Actual future performance of these plans can vary the results.
Please refer to the page titled - How does this Magic-Plan work? for detailed understanding of this insurance
proposal
The effective yield in the above proposal works out to 9.08 % (calculated as per IRR method)
Presented by
Swaran Jeet Singh

Mobile No.>> 9654748888 / 9540340443
Swaran Jeet Singh

Mobile No.>> 9654748888 / 9540340443
MagicPlan - Retire And Enjoy - VI

How does this Magic-Plan work ?
A combination of Jeevan Saral & Whole Life Policies of Rs. 2110000 is being proposed to provide
the benefits as illustrated in this MagicPlan presentation.
Jeevan Saral plan has a unique feature of Partial Withdrawal which enables us to have the flexibility
of cash flows during the policy term.
The income illustrated from your age 47 to 69 are coming through partial withdrawals from this
plan. The amount of partial withdrawal done each year is such that it pays for the premium and also
provides for your income in respective year. Thus you do not have to bear the burden of paying
premium from your own pocket.
The annual income at age 47 will be Rs.106556.
From age 70 to 99 the pension will be provided through maturity proceeds taken in installments
from L.I.C. (through settlement option) on the policies as shown below:
Age
Appr. Maturity
Amount
Maturity
Amount per year in the

Settlement Period
Settlement Period
70
Jeevan Saral
938682
70 to 79 Years
115777
80
Whole Life
893750
80 to 89 Years
110235
90
Whole Life
863500
90 to 99 Years
106504
Partial Withdrawal Schedule of Jeevan Saral
Year
Mly Premium
Reduction
Partial
Withdrawal
Year
Mly Premium
Reduction
Partial
Withdrawal
Year
Mly Premium
Reduction
Partial
Withdrawal
2023
950
185222
2033
250
159088
2043
100
164792
2024
800
177424
2034
200
141262
2044
100
178746
2025
700
177436
2035
200
156426
2045
100
193370
2026
550
159775
2036
150
129861
2046
450
115777
2027
500
163355
2037
150
143413
2028
450
165011
2038
150
158136
2029
350
143714
2039
150
173854
127074
2030
350
160822
2040
100
2031
300
154053
2041
100
138979
2032
250
143098
2042
100
151518
Swaran Jeet Singh

Mobile No.>> 9654748888 / 9540340443

Quotation Ref.No.
: 123
Quotation Date
: 27/08/2011
Proposers Name
: Mr. XYZ
Proposers Age
: 35
Sum Proposed
: 2110000
Yearly Premium
: 102252
Desired Income
: 104000
(nearer birthday)
Benefits During Deferment Period

Risk Cover
Year
Age
Normal
Accident
Yearly
Premium
Cash
Value
2011
35
2126450
4236450
102252
2012
36
2232900
4342900
102252
2013
37
2339350
4449350
102252
6500
2014
38
2445800
4555800
102252
164110
2015
39
2552250
4662250
102252
260163
2016
40
2658700
4768700
102252
373375
2017
41
2765150
4875150
102252
464625
2018
42
2871600
4981600
102252
558550
2019
43
2978050
5088050
102252
656450
2020
44
3422000
5532000
102252
760725
2021
45
3565950
5675950
102252
1209750
2022
46
3728650
5838650
102252
1365875
1227024
* The above projection is based on assumptions enumerated on the page titled "Benefits during the Retirement Period".
Swaran Jeet Singh

Mobile No.>> 9654748888 / 9540340443

Quotation Ref.No.
: 123
Quotation Date
: 27/08/2011
Proposers Name
: Mr. XYZ
Proposers Age
: 35
Sum Proposed
: 2110000
Yearly Premium
: 102252
Desired Income
: 104000
(nearer birthday)
Benefits during the Retirement Period

Risk Cover
Year
Age
Normal
Accident
Yearly
Premium
Desired
Income
Returns
From L.I.C.
Prem.
Pymt.
Net
Income
Cash
Value
2023
47
3479863
5117363
78666
104000
185222
78666
106556
1364311
2024
48
3281363
4718863
69058
104000
177424
69058
108366
1370841
2025
49
3112625
4375125
60650
104000
177436
60650
116786
1384535
2026
50
2993600
4118600
54045
104000
159775
54045
105730
1421136
2027
51
2882350
3882350
48040
104000
163355
48040
115315
1430742
2028
52
2778800
3666300
42636
104000
165011
42636
122375
1436279
2029
53
2721800
3521800
38432
104000
143714
38432
105282
1458624
2030
54
2648200
3360700
34228
104000
160822
34228
126594
1467076
2031
55
2590763
3228263
30626
104000
154053
30626
123427
1479441
2032
56
2558050
3133050
27623
104000
143098
27623
115475
1499513
2033
57
2517175
3029675
24620
104000
159088
24620
134468
1501196
2034
58
2505638
2968138
22218
104000
141262
22218
119044
1517666
2035
59
2481875
2894375
19816
104000
156426
19816
136610
1516424
2036
60
2494375
2869375
18015
104000
129861
18015
111846
1540049
2037
61
2492875
2830375
16214
104000
143413
16214
127199
1548365
2038
62
2471650
2771650
14412
104000
158136
14412
143724
1539465
2039
63
2427325
2689825
12610
104000
173854
12610
161244
1508705
2040
64
2442663
2680163
11410
104000
127074
11410
115664
1516874
2041
65
2454825
2667325
10208
104000
138979
10208
128771
1509511
2042
66
2447463
2634963
9008
104000
151518
9008
142510
1483681
2043
67
2430075
2592575
7806
104000
164792
7806
156986
1437992
2044
68
2365163
2502663
6606
104000
178746
6606
172140
1370006
2045
69
2273975
2386475
5404
104000
193370
5404
187966
1277642
2046
70
1308950
1308950
104000
115777
115777
428481
2047
71
1372400
1372400
104000
115777
115777
449914
2048
72
1447600
1447600
104000
115777
115777
471769
2049
73
1522800
1522800
104000
115777
115777
493955
2050
74
1598000
1598000
104000
115777
115777
516463
2051
75
1614450
1614450
104000
115777
115777
539193
2052
76
1630900
1630900
104000
115777
115777
562222
2053
77
1647350
1647350
104000
115777
115777
585539
2054
78
1663800
1663800
104000
115777
115777
608947
2055
79
1680250
1680250
104000
115777
115777
632616
2056
80
794200
794200
104000
110235
110235
307225
2057
81
801900
801900
104000
110235
110235
318348
2058
82
809600
809600
104000
110235
110235
329528
2059
83
817300
817300
104000
110235
110235
340708
2060
84
825000
825000
104000
110235
110235
351879
2061
85
832700
832700
104000
110235
110235
363082
2062
86
840400
840400
104000
110235
110235
374210
2063
87
848100
848100
104000
110235
110235
385352
2064
88
855800
855800
104000
110235
110235
396450
2065
89
863500
863500
104000
110235
110235
407705
Swaran Jeet Singh

Mobile No.>> 9654748888 / 9540340443

Risk Cover
Year
Age
Normal
Accident
Yearly
Premium
Desired
Income
Returns
From L.I.C.
Prem.
Pymt.
Net
Income
Cash
Value
2066
90
104000
106504
106504
2067
91
104000
106504
106504
2068
92
104000
106504
106504
2069
93
104000
106504
106504
2070
94
104000
106504
106504
2071
95
104000
106504
106504
2072
96
104000
106504
106504
2073
97
104000
106504
106504
2074
98
104000
106504
106504
2075
99
104000
106504
106504
6971589
662351
6309238
662351
u Magic-Plan Retire & Enjoy is a combination of LIC plans specially researched to meet the objective of securing a financially
independent life for yourself and your spouse on retirement.

u Benefits from Jeevan Saral plan are illustrated on the assumption that LIC will be able to provide a consistent return of 10%
p.a. throughout the term of the policy on the investible portion of the premium. For the purpose of illustration the average
investible portion of the premium under this plan as illustrated by LIC .
u The effective yield in the above proposal (based on maturity benefits) works out to 9.08 % (calculated as per IRR method ).
Swaran Jeet Singh

Mobile No.>> 9654748888 / 9540340443

Quotation Ref.No.
: 123
Quotation Date
: 27/08/2011
Proposers Name
: Mr. XYZ
Proposers Age
: 35
Sum Proposed
: 2110000
Yearly Premium
: 102252
Sec.80 CCE Invt. Lmt.
100000
Sec.80 CCE Tax Rebate
(nearer birthday)
: 30.90
Insurance Facts
Risk Cover
Year
Age
Normal
Accident
Annual
Premium
Tax
Saved
Net
Premium
Returns
From L.I.C.
Net
Cashflow
Cash
Value
0
2011
35
2126450
4236450
102252
31595
70657
-102252
2012
36
2232900
4342900
102252
31595
70657
-102252
2013
37
2339350
4449350
102252
31595
70657
-102252
7165
2014
38
2445800
4555800
102252
31595
70657
-102252
166719
2015
39
2552250
4662250
102252
31595
70657
-102252
263652
2016
40
2658700
4768700
102252
31595
70657
-102252
377748
2017
41
2765150
4875150
102252
31595
70657
-102252
470235
2018
42
2871600
4981600
102252
31595
70657
-102252
564858
2019
43
2978050
5088050
102252
31595
70657
-102252
663799
2020
44
3422000
5532000
102252
31595
70657
-102252
769141
2021
45
3565950
5675950
102252
31595
70657
-102252
1219113
2022
46
3728650
5838650
102252
31595
70657
-102252
1376571
2023
47
3479863
5117363
78666
24308
54358
185222
106556
1364311
2024
48
3281363
4718863
69058
21339
47719
177424
108366
1370841
2025
49
3112625
4375125
60650
18741
41909
177436
116786
1384535
2026
50
2993600
4118600
54045
16700
37345
159775
105730
1421136
2027
51
2882350
3882350
48040
14844
33196
163355
115315
1430742
2028
52
2778800
3666300
42636
13175
29461
165011
122375
1436279
2029
53
2721800
3521800
38432
11875
26557
143714
105282
1458624
2030
54
2648200
3360700
34228
10576
23652
160822
126594
1467076
2031
55
2590763
3228263
30626
9463
21163
154053
123427
1479441
2032
56
2558050
3133050
27623
8536
19087
143098
115475
1499513
2033
57
2517175
3029675
24620
7608
17012
159088
134468
1501196
2034
58
2505638
2968138
22218
6865
15353
141262
119044
1517666
2035
59
2481875
2894375
19816
6123
13693
156426
136610
1516424
2036
60
2494375
2869375
18015
5567
12448
129861
111846
1540049
2037
61
2492875
2830375
16214
5010
11204
143413
127199
1548365
2038
62
2471650
2771650
14412
4453
9959
158136
143724
1539465
2039
63
2427325
2689825
12610
3896
8714
173854
161244
1508705
2040
64
2442663
2680163
11410
3526
7884
127074
115664
1516874
2041
65
2454825
2667325
10208
3154
7054
138979
128771
1509511
2042
66
2447463
2634963
9008
2783
6225
151518
142510
1483681
2043
67
2430075
2592575
7806
2412
5394
164792
156986
1437992
2044
68
2365163
2502663
6606
2041
4565
178746
172140
1370006
2045
69
2273975
2386475
5404
1670
3734
193370
187966
1277642
2046
70
1308950
1308950
115777
115777
428481
2047
71
1372400
1372400
115777
115777
449914
2048
72
1447600
1447600
115777
115777
471769
2049
73
1522800
1522800
115777
115777
493955
2050
74
1598000
1598000
115777
115777
516463
2051
75
1614450
1614450
115777
115777
539193
2052
76
1630900
1630900
115777
115777
562222
2053
77
1647350
1647350
115777
115777
585539
2054
78
1663800
1663800
115777
115777
608947
2055
79
1680250
1680250
115777
115777
632616
2056
80
794200
794200
110235
110235
307225
2057
81
801900
801900
110235
110235
318348
2058
82
809600
809600
110235
110235
329528
Swaran Jeet Singh

Mobile No.>> 9654748888 / 9540340443

Risk Cover
Year
Age
Normal
Accident
Annual
Premium
Tax
Saved
Net
Premium
Returns
From L.I.C.
Net
Cashflow
Cash
Value
2059
83
817300
817300
110235
110235
340708
2060
84
825000
825000
110235
110235
351879
2061
85
832700
832700
110235
110235
363082
2062
86
840400
840400
110235
110235
374210
2063
87
848100
848100
110235
110235
385352
2064
88
855800
855800
110235
110235
396450
2065
89
863500
863500
110235
110235
407705
2066
90
106504
106504
2067
91
106504
106504
2068
92
106504
106504
2069
93
106504
106504
2070
94
106504
106504
2071
95
106504
106504
2072
96
106504
106504
2073
97
106504
106504
2074
98
106504
106504
2075
99
106504
106504
1889375
583808
1305567
6971589
5082214

Retire N Enjoy Pension (Short Term) Plan - 2

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Insurance Proposal for

Swaran Jeet Singh

Insurance Proposal for

for Annual Income of

At this moment your familys dependancy on you is very

To compliment a comfortable lifestyle for you in your

No premiums are payable from your own funds after 46.

In the event of any emergency or financial difficulties,

Swaran Jeet Singh

Swaran Jeet Singh

MagicPlan - Retire And Enjoy - VI

Amount per year in the

Partial Withdrawal Schedule of Jeevan Saral

Swaran Jeet Singh

MagicPlan - Retire And Enjoy - VI

Benefits During Deferment Period

Swaran Jeet Singh

MagicPlan - Retire And Enjoy - VI

Benefits during the Retirement Period

Swaran Jeet Singh

MagicPlan - Retire And Enjoy - VI

independent life for yourself and your spouse on retirement.

Swaran Jeet Singh

MagicPlan - Retire And Enjoy - VI

Sec.80 CCE Invt. Lmt.

Sec.80 CCE Tax Rebate

Swaran Jeet Singh

MagicPlan - Retire And Enjoy - VI

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