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of India. This exceedingly exciting ULIP plan gives you a unique and a never before opportunity to insure yourself
and grow your investment in the booming stock market with an element of guarantee.
Look at the following to believe the great benefits that this plan has to offer:
l You can choose to pay a single premium or opt for a 3 year premium term in yearly, half yearly, quarterly & monthly
(ECS) modes.
l This plan levies very moderate allocation charges, which means that your premium investment gets more units for you.
l You accumulate fund units with each premium payment. Nominal deductions in units are made to cover the administration
costs and your life insurance risk.
l At the end of the term you get the fund value. The fund value is calculated on the basis of HIGHEST NAV during the first 7
years or on the date of maturity whichever is greater.
l Your life risk cover continues for 2 more years after the maturity payment is made to you.
l On death the nominee will be paid full sum assured plus the fund value as per the NAV on the date of claim.
l Accident Death benefit rider available at a discounted rate of Rs. 0.50 per 1000 of sum assured.
l You can do Partial Withdrawals at any time after the third anniversary of the policy. Upto 2 partial withdrawals are
allowed in each year.
l The policy can be surrendered without any surrender charge after the third anniversary of the policy. Surrender value will
be the fund value of the balance units as per the NAV on the date of surrendering.
l No limit on the maximum premium.
l Limited availability !!! This plan is available for sale only for 3 months starting 9th February 2010.
Presented by:
NEETA BANKIM DOSHI
Insurance Advisor
702 Adinath Tower,
Sudha Park ,Garodia Nagar,
Mumbai - 400 0077
Office 42444002 Mobile 9821014796 Res 25061899
NEETA BANKIM DOSHI
Insurance Advisor
Wealth Plus Plan Presentation For Mr. Bankim Doshi aged 40 years
Risk Covered
Mode of Premium : Yearly
Installment Premium : Rs. 1000000 Life Cover : Rs. 5000000
Date of Report : 16/02/2010 Accident Cover : Rs. 5000000
Term : 8
End of Total
Policy Annual Premium Fund/Cash Death Service
Year Age Premium Paid Value Benefit Charges Tax Total
Wealth Plus Plan Presentation For Mr. Bankim Doshi aged 40 years
Risk Covered
Mode of Premium : Yearly
Installment Premium : Rs. 1000000 Life Cover : Rs. 5000000
Date of Report : 16/02/2010 Accident Cover : Rs. 5000000
Term : 8
2010 41 4.20 21000 0.50 2500 112500 720 8832 3091 15310 163953
2011 42 4.20 21000 0.50 2500 25000 300 18919 6623 7657 81998
2012 43 4.20 21000 0.50 2500 25000 309 29457 10309 9123 97697
2013 44 4.20 21000 0.50 2500 - 318 30493 10670 6693 71674
2014 45 4.20 21000 0.50 2500 - 328 31575 11050 6845 73298
2015 46 4.20 21000 0.50 2500 - 338 32707 11445 7003 74993
2016 47 4.20 21000 0.50 2500 - 348 33888 11858 7168 76761
2017 48 4.20 21000 0.50 2500 - 358 35118 12288 7340 78605
Wealth Plus Plan Presentation For Mr. Bankim Doshi aged 40 years
Risk Covered
Mode of Premium : Yearly
Installment Premium : Rs. 1000000 Life Cover : Rs. 5000000
Date of Report : 16/02/2010 Accident Cover : Rs. 5000000
Term : 8
End of Total
Policy Annual Premium Fund/Cash Death Service
Year Age Premium Paid Value Benefit Charges Tax Total
Wealth Plus Plan Presentation For Mr. Bankim Doshi aged 40 years
Risk Covered
Mode of Premium : Yearly
Installment Premium : Rs. 1000000 Life Cover : Rs. 5000000
Date of Report : 16/02/2010 Accident Cover : Rs. 5000000
Term : 8
2010 41 4.20 21000 0.50 2500 112500 720 9013 3154 15335 164223
2011 42 4.20 21000 0.50 2500 25000 300 19663 6882 7760 83105
2012 43 4.20 21000 0.50 2500 25000 309 31206 10922 9366 100303
2013 44 4.20 21000 0.50 2500 - 318 33545 11740 7118 76221
2014 45 4.20 21000 0.50 2500 - 328 36080 12626 7471 80005
2015 46 4.20 21000 0.50 2500 - 338 38824 13587 7854 84101
2016 47 4.20 21000 0.50 2500 - 348 41802 14628 8268 88545
2017 48 4.20 21000 0.50 2500 - 358 45026 15755 8718 93356
Wealth Plus Plan Presentation For Mr. Bankim Doshi aged 40 years
Risk Covered
Mode of Premium : Yearly
Installment Premium : Rs. 1000000 Life Cover : Rs. 5000000
Date of Report : 16/02/2010 Accident Cover : Rs. 5000000
Term : 8
Growth of Wealth Plus fund based on LIC'S performance in Market Plus - I - Balanced
Fund
Market Plus - I - Balanced Fund of LIC was launched on 17/06/2008. The units became NAV based (initial NAV of
Rs 10) on 17/06/2008. Current NAV of Wealth Plus fund as on 16-Feb-2010. is Rs. 12.1000 Average annual
growth is : 11.49%
If we hypothetically assume similar performance of LIC in managing the fund of Wealth Plus, then the benefits
can be projected as under:
End of Total
Policy Annual Premium Fund/Cash Death Service
Year Age Premium Paid Value Benefit Charges Tax Total
## The above illustration is purely indicative. The fund management of Wealth Plus is independent of Market Plus - I - Balanced
Fund and therefore Wealth Plus results can vary significantly.
## The past performance is not indication of future returns. Sustainance of such growth in future is dependant on market
conditions and hence cannot be guaranteed.
Wealth Plus Plan Presentation For Mr. Bankim Doshi aged 40 years
Risk Covered
Mode of Premium : Yearly
Installment Premium : Rs. 1000000 Life Cover : Rs. 5000000
Date of Report : 16/02/2010 Accident Cover : Rs. 5000000
Term : 8
Details of Charges Under Wealth Plus fund based on LIC's performance in Market Plus - I
- Balanced Fund
2010 41 4.20 21000 0.50 2500 112500 720 9080 3178 15345 164323
2011 42 4.20 21000 0.50 2500 25000 300 19943 6979 7799 83521
2012 43 4.20 21000 0.50 2500 25000 309 31876 11155 9459 101298
2013 44 4.20 21000 0.50 2500 - 318 34737 12156 7283 77995
2014 45 4.20 21000 0.50 2500 - 328 37880 13256 7721 82684
2015 46 4.20 21000 0.50 2500 - 338 41330 14461 8202 87831
2016 47 4.20 21000 0.50 2500 - 348 45123 15791 8730 93491
2017 48 4.20 15750 0.50 2500 - 358 49297 17250 8771 93925
Wealth Plus Plan Presentation For Mr. Bankim Doshi aged 40 years
LIC's Bima Plus ULIP plan was introduced on 02/02/2001. If we assume that the NAV performance of Wealth Plus Fund will be
same as that of Bima Plus - Balanced Fund in the first 8 years, then your benefits of investment in Wealth Plus policy can be
forecasted as under:
16/02/2010 12:00:00AM
10.0000 10,00,000 112,500 88,750.000 88,750.000 3,838.037 84,911.963 59,26,814
16/02/2011 12:00:00AM
10.9150 20,00,000 25,000 174,238.578 89,326.615 2,572.403 171,666.175 71,10,962
16/02/2012 12:00:00AM
12.2969 30,00,000 25,000 250,954.452 79,288.277 2,120.502 248,833.950 90,29,592
16/02/2013 12:00:00AM
16.1939 30,00,000 0 248,833.950 0.000 1,735.101 247,098.849 92,74,390
16/02/2014 12:00:00AM
17.2983 30,00,000 0 247,098.849 0.000 1,472.759 245,626.090 99,80,781
16/02/2015 12:00:00AM
20.2779 30,00,000 0 245,626.090 0.000 1,162.671 244,463.419 1,17,27,022
16/02/2016 12:00:00AM
27.5175 30,00,000 0 244,463.419 0.000 954.502 243,508.917 1,21,71,362
16/02/2017 12:00:00AM
29.4501 30,00,000 0 243,508.917 0.000 956.078 242,552.839 1,11,87,305
16/02/2018 12:00:00AM 242552.839 units redeemed for maturity @ 32.3881 = Rs.78,55,826 50,00,000
16/02/2019 12:00:00AM Free extended cover of Rs.50,00,000 for 2 more years 50,00,000
4 Projected NAV is derived from the actual historical performance of Bima Plus - Balanced Fund since its inception. This is done to illustrate the possible benefits
that can arise from Wealth Plus policy if the NAV performance of Wealth Plus fund in future is identical to the historical performance of Bima Plus - Balanced
Fund . Actual benefits will depend on the actual performance of the Wealth Plus fund and thus the above results may vary.
4 Units Deducted column indicates the total units deducted during the year on account of Policy Admin charges, Mortality Charges, Accident Benefit Charges &
Government Service Tax.
Risk Cover is indicated as the normal death cover at end of the year. For accidental death there is an additional cover of Rs. 5000000
4