Jeevan Saral

Name
Age

25

Thomas

Term

Basic Mly premium

Select Loyalty Addition

20

DAB(Yes=1)

500
Give LA/000 SA

750
Assumed LA

1000

Show assumed loyalty addition in risk coverage.

Show return of premium in risk coverage

Give term rider amount of

100000

View report
Created by: LJ Anish,Dev. Officer, LIC.
www.ourlic.blogspot.com mail: anishlj@yahoo.com

BMSA

18
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60

27814
1

2566
3
2583
2581
2577
2574
2570
2568
2568
2566
2563
2563
2563
2564
2561
2559
2555
2548
2542
2531
2520
2509
2494
2477
2459
2439
2422
2398
2372
2339
2301
2260
2211
2158
2100
2038
1971
1897
1819
1736
1654
1568
1473
1357
1221

3650
4
3671
3665
3662
3659
3656
3653
3649
3650
3646
3646
3646
3643
3644
3637
3632
3623
3610
3595
3580
3562
3541
3516
3492
3467
3440
3403
3363
3317
3265
3203
3135
3061
2980
2892
2798
2694
2587
2475
2360
2232
2091
1920
1718

4737
5
4765
4757
4753
4749
4745
4741
4737
4737
4738
4733
4733
4730
4726
4718
4711
4695
4680
4665
4641
4614
4587
4560
4524
4489
4450
4404
4349
4286
4215
4136
4045
3945
3841
3724
3599
3465
3325
3181
3025
2851
2651
2416
2139

5898
6
5927
5922
5917
5912
5908
5903
5897
5898
5898
5893
5893
5889
5879
5870
5856
5837
5819
5795
5767
5733
5700
5662
5619
5571
5519
5456
5384
5303
5211
5109
4991
4868
4730
4580
4420
4259
4081
3893
3683
3451
3181
2866
2503

7107
7
7143
7131
7125
7119
7113
7113
7107
7107
7101
7102
7097
7092
7081
7064
7048
7026
6998
6964
6931
6891
6846
6801
6744
6688
6620
6541
6443
6340
6225
6098
5952
5799
5627
5443
5250
5051
4832
4587
4316
4004
3659
3250
2827

8370
8
8411
8397
8390
8391
8384
8377
8377
8370
8371
8364
8359
8346
8334
8315
8289
8264
8225
8186
8148
8095
8042
7984
7919
7840
7755
7657
7544
7410
7269
7106
6936
6744
6536
6319
6093
5837
5558
5256
4907
4517
4068
3595
3037

9703
9
9750
9742
9735
9727
9718
9719
9711
9703
9704
9689
9683
9669
9647
9627
9598
9562
9517
9473
9421
9362
9303
9229
9139
9041
8937
8817
8681
8520
8351
8156
7944
7714
7473
7215
6938
6626
6277
5893
5460
4970
4460
3841
3129

11121
10
11174
11165
11156
11147
11147
11138
11129
11121
11113
11107
11091
11076
11053
11020
10979
10939
10889
10840
10773
10707
10623
10531
10431
10313
10187
10033
9870
9679
9479
9248
8998
8726
8442
8128
7794
7408
6979
6508
5969
5407
4744
3971
3059

10

11

12

13

14

15

16

17

12643
11
12700
12690
12680
12670
12671
12661
12651
12643
12635
12618
12601
12574
12549
12503
12469
12414
12359
12295
12210
12127
12035
11923
11802
11661
11499
11329
11125
10901
10654
10384
10101
9795
9453
9076
8653
8194
7672
7087
6463
5761
4922
3949

14180
12
14241
14230
14218
14219
14208
14198
14189
14180
14160
14142
14112
14085
14046
14009
13960
13899
13828
13747
13655
13553
13442
13308
13164
12998
12809
12596
12373
12113
11827
11513
11173
10807
10401
9957
9459
8892
8266
7598
6841
5945
4915

15818
13
15894
15895
15883
15871
15859
15849
15826
15818
15797
15779
15748
15705
15664
15610
15544
15480
15390
15303
15191
15068
14935
14777
14608
14414
14194
13948
13675
13375
13043
12697
12308
11875
11384
10847
10249
9571
8860
8051
7103
6004

17591
14
17699
17685
17672
17659
17648
17622
17614
17591
17571
17537
17490
17460
17401
17344
17274
17191
17080
16973
16854
16708
16551
16365
16152
15927
15673
15390
15076
14728
14365
13936
13477
12969
12395
11752
11037
10287
9409
8394
7230

19531
15
19656
19641
19628
19615
19587
19578
19553
19531
19494
19459
19410
19362
19300
19223
19150
19046
18930
18800
18640
18485
18283
18085
17839
17579
17287
16962
16599
16201
15769
15283
14725
14132
13444
12696
11869
10940
9879
8655

21137
16
21296
21281
21249
21237
21228
21201
21177
21137
21100
21065
21014
20947
20883
20786
20694
20587
20448
20296
20130
19931
19720
19474
19195
18902
18573
18204
17797
17353
16852
16294
15657
14959
14175
13329
12350
11252
9978

22770
17
22965
22951
22918
22908
22879
22853
22810
22770
22733
22678
22626
22558
22475
22376
22262
22134
21971
21794
21602
21376
21135
20858
20544
20214
19841
19428
18975
18462
17888
17251
16527
15711
14852
13851
12723
11406

24428
18
24662
24627
24616
24585
24557
24511
24490
24428
24392
24336
24264
24174
24091
23970
23833
23682
23515
23311
23093
22836
22564
22252
21901
21527
21111
20653
20130
19543
18889
18167
17322
16431
15415
14264
12912

26110
19
26361
26349
26317
26287
26237
26215
26173
26110
26051
25997
25902
25813
25708
25587
25426
25249
25056
24824
24576
24311
23980
23632
23260
22844
22358
21855
21257
20590
19850
19006
18088
17064
15870
14519

18

19

20

21

22

23

24

25

26

27814
20
28106
28071
28039
28012
27963
27918
27876
27814
27731
27655
27586
27474
27345
27200
27012
26834
26614
26351
26071
25747
25405
25012
24598
24111
23606
23001
22351
21596
20733
19819
18765
17562
16164

29511
21
29845
29812
29783
29731
29683
29639
29572
29511
29430
29357
29238
29129
28975
28804
28615
28410
28160
27864
27550
27188
26801
26393
25908
25376
24796
24140
23374
22524
21592
20512
19307
17930

31225
22
31601
31571
31544
31493
31446
31375
31311
31225
31147
31050
30935
30772
30620
30420
30204
29969
29686
29385
29034
28627
28197
27748
27218
26609
25950
25207
24346
23398
22329
21129
19717

32954
23
33402
33344
33290
33240
33196
33127
33036
32954
32851
32729
32587
32426
32247
32049
31802
31536
31219
30881
30485
30066
29593
29070
28463
27804
27058
26188
25263
24212
22991
21584

34665
24
35155
35129
35045
34997
34925
34861
34774
34665
34568
34418
34281
34092
33883
33656
33376
33075
32721
32338
31932
31471
30922
30355
29664
28919
28078
27184
26122
24920
23527

36385
25
36945
36889
36839
36763
36695
36603
36488
36385
36261
36116
35917
35732
35492
35233
34952
34615
34214
33824
33342
32839
32246
31597
30854
30014
29079
28048
26873
25501

38077
26
38741
38653
38607
38500
38439
38317
38208
38077
37960
37786
37591
37375
37103
36808
36492
36109
35701
35233
34746
34164
33525
32788
31951
31057
30023
28841
27497

39771
27
40503
40418
40342
40277
40186
40071
39933
39771
39625
39420
39231
38983
38674
38381
38019
37632
37143
36674
36066
35439
34712
33922
33033
31999
30856
29504

41466
28
42263
42183
42114
42018
41897
41751
41620
41466
41289
41091
40830
40546
40238
39900
39495
39067
38577
38027
37374
36658
35878
34998
34012
32870
31559

27

28

29

30

31

32

33

43118
29
44020
43947
43846
43718
43605
43466
43304
43118
42909
42676
42419
42139
41786
41405
41001
40490
39960
39324
38623
37857
36988
36011
34873
33609

44763
30
45772
45665
45530
45411
45307
45136
44940
44763
44518
44292
43998
43672
43319
42898
42410
41857
41286
40604
39807
38952
38034
36903
35694

46353
31
47472
47375
47248
47095
46959
46797
46565
46353
46115
45852
45511
45187
44747
44332
43803
43209
42547
41768
40979
40028
38957
37758

47927
32
49161
49028
48912
48768
48598
48400
48177
47927
47651
47340
47002
46638
46204
45702
45132
44494
43735
42917
42034
40978
39791

49482
33
50836
50666
50514
50382
50174
49987
49724
49482
49157
48852
48471
48069
47545
47003
46390
45705
44910
43996
43011
41839

50959
34
52446
52286
52145
51927
51729
51503
51248
50959
50638
50291
49870
49429
48864
48279
47621
46851
45959
44995
43841

52405
35
54035
53886
53707
53499
53261
52993
52741
52405
52095
51655
51247
50712
50158
49474
48730
47920
46980
45846

2566
3650
4737
5898
7107
8370
9703
11121
12643
14180
15818
17591
19531
21137
22770
24428
26110
27814
29511
31225
32954
34665
36385
38077
39771
41466
43118
44763
46353
47927
49482
50959
52405

Loyalty
Name

FALSE
TRUE
Manual
Auto
Thomas
Term fill Age fill
10
12
11
13
12
14
13
15
14
16
15
17
16
18
17
19
18
20
19
21
20
22
21
23
22
24
23
25
24
26
25
27
26
28
27
29
28
30
29
31
30
32
31
33
32
34
33
35
34
36
35
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54

Name
Thomas
AssumedLoyalty addition
Age
25
50
50
Term
20
AssumedLoyalty addition in risk cover
Basic mly premium500
Return of premium in risk cover
25 Age
25
*Loyalty addition
*Loyalty
at the
addition
rate of
rate
Rs.shown
750 per
is just
1000a
Term
20
Maximum risk cover
378165
Basic mly premium
500
1 Accident Benefit1
1
0
Yearly
6005
5880
6005
Hly
3033
2970
3033
Qly
1531
1500
1531
SSS
510
500
510
Risk SA
125000
BMSA
27814
Maturity SA
139070
Assumed loyalty rate
1000
Assumed loyalty
139070
Manual loyalty rate 750
Manual loyalty
104303
Selected Loyalty
139070
Maturity age
45

1000
750

55
56
57
58
59
60

oyalty addition

Version
2.5
Term rider FALSE
0
50
50
100000
y addition in risk cover TRUE
1
f premium in risk cover TRUE
1
ddition rate shown is just an assumed rate based on the past experience on other plans and is not guaranteed.
503165
BMSA
MSA
SV
LA
Manual LA
3
2566
12830
10264
0
0
4
3650
18250
16425
0
0
5
4737
23685
23685
0
0
6
5898
29490
29490
0
0
7
7107
35535
35535
0
0
8
8370
41850
41850
0
0
9
9703
48515
48515
0
0
10
45
10
11121
55605
55605
25022 41703.75
11
45
11
12643
63215
63215
31291 47411.25
12
45
12
14180
70900
70900
38286
53175
13
45
13
15818
79090
79090
46268 59317.5
14
45
14
17591
87955
87955
55412 65966.25
15
45
15
19531
97655
97655
65917 73241.25
16
50
16
21137
105685
105685
84548 79263.75
17
50
17
22770
113850
113850
96773 85387.5
18
50
18
24428
122140
122140
109926
91605
19
50
19
26110
130550
130550
124023 97912.5
20
50
20
27814
139070
139070
139070 104302.5
21
55
21
29511
147555
147555
170426 110666.3
22
55
22
31225
156125
156125
188911 117093.8
23
55
23
32954
164770
164770
208434 123577.5
24
55
24
34665
173325
173325
228789 129993.8
25
55
25
36385
181925
181925
250147 136443.8
26
60
26
38077
190385
190385
297001 142788.8
27
60
27
39771
198855
198855
322145 149141.3
28
60
28
41466
207330
207330
348314 155497.5
29
60
29
43118
215590
215590
375127 161692.5
30
60
30
44763
223815
223815
402867 167861.3
31
65
31
46353
231765
231765
467006 173823.8
32
65
32
47927
239635
239635
498441 179726.3
33
65
33
49482
247410
247410
530694 185557.5
34
65
34
50959
254795
254795
563097 191096.3
35
65
35
52405
262025
262025
596107 196518.8

Plan presentation from www.ourlic.blogspot.com

Jeevan Saral
(165-20)

Version:2.5

Plan presentation specially customised for Thomas, aged 25 years.

Jeevan Saral is a versatile plan from Life Insurance Corporation of India with features of
conventional plans and flexibility of unit linked plans.
It provides:

Higher insurance cover

Smooth returns
Flexibility and liquidity
You are provided the freedom to choose the premium you want to pay. Once premium is chosen
Insurance coverage and the maturity benefit is derived from it.

Basic conditions
Minimum age at entry

12 years

Maximum age at entry

60 years

Minimum term
Maximum term

10 years
35 years

Minimum premium (Age 12 to

49)
Minimum premium (Age 50 to
60)
Maximum premium
Premium in multiples of

Rs.250 per month

Rs 400 per month
No limit
Rs 50 per month

Salient Features
Maturity benefits : Maturity Sum Assured (MSA) + Loyalty additions
Death benefit: 250 times of the basic monthly premium + Return of premium paid
(excluding 1st year premium) + Loyalty additions.
Loyalty addition: will be declared after the policy has been in full force for at least 10
years.
Auto cover: If the policy is in force for more than three years, the risk coverage will
continue for another 12 months even if the premiums are not paid in that period.
Surrender charge: No surrender charge will be deducted from policies surrendered
after 5 years.
Partial surrender: is available after 3 years and provides a smooth return on your
needs.

Basic monthly premium considered is Rs.500

Minimum risk coverage available is Rs.125000 and maximum risk coverage is Rs.378165
Accident cover increases from Rs.250000 to Rs.503165 during the policy period.
Premium
Yearly
Half yearly
Quarterly
Mly(SSS)

6005
3033
1531
510

Maturity benefit
Maturity sum assured
Assumed loyalty addition
Total maturity benefit
Total premium paid

*Loyalty addition rate shown is just an assumed rate based on the past experience on other plans and is not guaranteed.

139070
139070
278140
120100

Plan presentation from www.ourlic.blogspot.com

Jeevan Saral
Year
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

Premium
Maturity
SumAssured
Paid
6005
12010
18015
24020
30025
36030
42035
48040
54045
60050
66055
72060
78065
84070
90075
96080
102085
108090
114095
120100
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
12830
18250
23685
29490
35535
41850
48515
55605
63215
70900
79090
87955
97655
105685
113850
122140
130550
139070
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

Assumed
Loyalty*

0
0
0
0
0
0
0
0
0
25022
31291
38286
46268
55412
65917
84548
96773
109926
124023
139070
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

Surrender
Value
0
0
12830
18250
23685
29490
35535
41850
48515
80627
94506
109186
125358
143367
163572
190233
210623
232066
254573
278140
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

Normal
coverage
125000
131005
137010
143015
149020
155025
161030
167035
173040
204067
216341
229341
243328
258477
274987
299623
317853
337011
357113
378165
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

*Loyalty addition rate shown is just an assumed rate based on the past experience on other plans and is not guaranteed.

Page 2

(165-20)
Accident
coverage
250000
256005
262010
268015
274020
280025
286030
292035
298040
329067
341341
354341
368328
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