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JEEVAN ANAND (Table No. 149)

Minimum S.A- Rs. Double benefits: Once at

100000 Policy Term- 5 to 100 Yrs Age limit- 18 to 60 Yrs Maturity Benefits: S.A + Bonus+ Final additional Bonus payable to policy holder Death benefits: S.A + Bonus up to that date payable to nominee

maturity payable to Policy holder and one more time after death of policy holder to his/her nominee.

* Life long Risk cover even premium paying term over (100 Yrs)
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JEEVAN ANAND
A Blend of happiness and security.

Attractions:

Combines benefits of Endowment and whole Life Policy. Financial protection against death throughout your lifetime with the provision for payment of lump sum at the end of the term in case of survival. Jeevan Anand is the only plan of its kind. Accident benefit is available during the Premium paying Term and thereafter upto age 70. Exclusive limit for Free Accident Cover upto Rs. 5lakhs. Enjoy your savings in your lifetime and also provide financial security for family. Even after the Premium Paying Term is over, risk cover continues till the death of the Policyholder. The best in the class

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JEEVAN ANAND
Features:Who can avail of this plan? Males and females who have their own independent income aged between 18 years(completed) and 65 years(nearest birthday). For how many years is the premium payable? You can choose premium payment terms between 5 and 57 years.

For what sums is insurance available under this plan? The minimum amount is Rs. 1 lakh. The maximum amount has no limit, but depends upon the income of the applicant. At what frequency can premiums be paid? Yearly, half-yearly, quarterly and SSS.

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JEEVAN ANAND
Age Term

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Sample Premium Chart Annual Premium Rs.

Sum Assured Rs. 1 lakh 2 lakhs 5lakhs

11,543 11,766 5,660 23,086 23,080 11,320 56,965 58,080 27,550

10 lakhs
1,12,930 1,15,161 54,274

20 25 30

10 10 20

35
40

20
30

5,873
3,880

11,747
7,760

28,617
18,650

56,408
36,550

JEEVAN ANAND
When are the benefits payable? Survival Benefits:
What happens if the policyholder sruvives till the date of maturity and the policy is in force? Full Sum Assured + Vested Bonuses + Final Additional Bonus, if any, is payable. Risk cover continues after maturity, without the need to pay a premium.

Risk Cover:
What happens in the vent of death during the premium payment period? Full Sum Assured + Vested Bonuses + Final Additional Bonus, if any, is payable. What happens in the event of death after the premium paying period? Full Sum Assured is payable.
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JEEVAN ANAND
Illustration 1: Age at entry : 35 years. Premium paying Term : 25 years. Mode of Premium Payment : Yearly Sum Assured : Rs. 1,00,000/-. Annual Premium : Rs.4,535/WWW.

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Benefit payable on earlier death / Survival Up to end of the policy tern End Of Year 25 26 Onwards Total Premiu m Paid 1,13,375 1,13,375

Variable
Guaranteed 1,00,000 1,00,000

Total

Scenario 1
41,500 0

Scenario 2 Scenario 1 Scenario 2

1,41,000 0 1,41,500 1,00,000 2,41,000 1,00,000

JEEVAN ANAND
Illustration 1: Age at entry : 35 years. Premium paying Term : 25 years. Mode of Premium Payment : Yearly Sum Assured : Rs. 1,00,000/-. Annual Premium : Rs.4,535/-

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JEEVAN ANAND
Benefit payable on earlier death / Survival Up to end of the policy tern End Of Year 1 2 3 Total Premium Guaranteed Paid 4,535 9,070 13,605 1,00,000 1,00,000 1,00,000 Variable Scenario 1 Scenario 2 1,500 3,000 4,500 5,100 10,200 15,300 Total Scenario 1 1,01,500 1,03,000 1,04,500 Scenario 2 1,05,100 1,10,200 1,15,300

4 5 6

18,140 22,675 27,210

1,00,000 1,00,000 1,00,000

6,000 7,500 9,000

20,400 25,500 30,600

1,06,000 1,07,500 1,09,000

1,20,400 1,25,500 1,30,600

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JEEVAN ANAND
End Of Year Total Premiu m Paid Variable

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Benefit payable on earlier death / Survival Up to end of the policy tern Total

Guarante ed
1,00,000 1,00,000 1,00,000 1,00,000 1,00,000 1,00,000 1,00,000

Scenario 1
10,500 12,000 13,500 15,000 22,500 33,000 41,500

Scenario 2
35,700 40,800 45,900 51,000 76,500 1,13,000 1,41,000

Scenario 1
1,10,500 1,12,000 1,13,500 1,15,000 1,22,500 1,33,000 1,41,500

Scenario 2
1,35,700 1,40,800 1,45,900 1,51,000 1,76,500 2,13,000 2,41,000

7 8 9 10 15 20 25

31,745 36,280 40,815 45,350 68,025 90,700 1,13,375

JEEVAN ANAND
Assumptions and Disclaimers:
The illustrations are applicable to a non-smoker male/female standard life (from a medical, lifestyle and occupational point of view) The non-guranteed benefits in the illustrations are calculated so that they are consistent with the Projected Investment Rate of Return assumption of 6%p.a (Scenario 2) or 10%p.a (Scenario 2) respectively. In other words, in Preparing these benefit illustrations, it is assumed that the projected Investment Rate of Return that LIC will be able to earn through the term of the policy will be 6%p.a or 10%p.a., as the case may be. The Projected Investment Rate of Return is not guaranteed.
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JEEVAN ANAND
The main objective of the illustrations is that the client is able to appreciate the features of the project and the flow of benefits in different circumstances with some level of quantification. Future bonus will depend on future profits and as such is not guaranteed. However, once the bonus is declared in any year and added to the policy, the bonus so added is guaranteed.

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