MR - Baiju - Magistrate

"Insure & be secure"
A presentation specially compiled for
Mr. Baiju
Presented by :-
THARA THOMAS
DEVELOPMENT OFFICER
LIC OF INDIA,CBO - II, MG ROAD, TRIVANDRUM-1
MOB: 9287349686 e-mail. thara2thara@gmail.com
THARA THOMAS
DEVELOPMENT OFFICER
LIC OF INDIA,CBO - II,

MG ROAD, TRIVANDRUM-1
MOB: 9287349686
e-mail. thara2thara@gmail.com
Magic Mix Illustration for Mr. Baiju (age 36) Ref. No. 009
Proposed Insurance
Term/ Basic Sum Term Accident Crit.Illness. Premium Install. Tax

Id Com.Date Plan Name PPT Assured Rider SA Rider SA Rider SA Waiver Md. Premium Beneficiary
1 14/05/10 149-Jeevan Anand 24/24 10,00,000 0 5,00,000 0 - Y 45,690
10,00,000 0 5,00,000 0
Annual Premium: 45,690
Modewise Summary of Installment Premiums
Interim * Bonus #Assu PREMIUM

Id Com. Date Plan/Tm/PPT Bonus Rate Step FAB SSS Monthly Quaterly Half Yearly Yearly
Rate Rate
1 14/05/10 149/24/24 45 60 0.00 660 3,931 4,137 11,794 23,216 45,690
3,931 4,137 11,794 23,216 45,690
1. '*' : - Assuming LIC will declare the above mentioned bonus rates for the year ended 31-Mar-2009
2. '#' : - Assuming that bonus rate declared by LIC will increase/decrease per year by step rate mentioned above.
3. '%' : - Assumed Growth Rate
Medical Requirement Details
Sum at Risk: 10,00,000 Medical by DMR: No
Disclaimer: The figures presented in this entire illustration are indicative and solely for the purpose of understanding the possible benefits from the
proposed insurance. The benefits are not guaranteed and the actual results may depend on the future performance of the insurer.
THARA THOMAS
DEVELOPMENT OFFICER

MOB: 9287349686
Benefits Illustration
Fin. Year Risk Cover Additional Cover For the Year Cash Loan
Ending Age (Natural Death) Accident Crit. Ill. PWB Premium Returns Cash Flow Value Available
31/03/11 37 10,60,000 5,00,000 0 0 45,690 0 -45,690 0 0

31/03/12 38 11,20,000 5,00,000 0 0 45,690 0 -45,690 0 0
31/03/13 39 11,80,000 5,00,000 0 0 45,690 0 -45,690 35,752 32,250
31/03/14 40 12,40,000 5,00,000 0 0 45,690 0 -45,690 92,329 83,000
31/03/15 41 13,00,000 5,00,000 0 0 45,690 0 -45,690 1,27,831 1,15,000
31/03/16 42 13,60,000 5,00,000 0 0 45,690 0 -45,690 1,68,243 1,51,500
31/03/17 43 14,20,000 5,00,000 0 0 45,690 0 -45,690 2,14,067 1,92,750
31/03/18 44 14,80,000 5,00,000 0 0 45,690 0 -45,690 2,65,890 2,39,250
31/03/19 45 15,40,000 5,00,000 0 0 45,690 0 -45,690 3,24,434 2,92,000
31/03/20 46 16,00,000 5,00,000 0 0 45,690 0 -45,690 3,90,414 3,51,250
31/03/21 47 16,60,000 5,00,000 0 0 45,690 0 -45,690 4,64,599 4,18,250
31/03/22 48 17,20,000 5,00,000 0 0 45,690 0 -45,690 5,47,924 4,93,250
31/03/23 49 17,80,000 5,00,000 0 0 45,690 0 -45,690 6,41,420 5,77,250
31/03/24 50 18,40,000 5,00,000 0 0 45,690 0 -45,690 7,45,938 6,71,250
31/03/25 51 19,40,000 5,00,000 0 0 45,690 0 -45,690 8,51,359 7,66,250
31/03/26 52 20,20,000 5,00,000 0 0 45,690 0 -45,690 9,69,753 8,72,750
31/03/27 53 21,10,000 5,00,000 0 0 45,690 0 -45,690 11,03,192 9,92,750
31/03/28 54 21,90,000 5,00,000 0 0 45,690 0 -45,690 12,54,326 11,29,000
31/03/29 55 23,05,000 5,00,000 0 0 45,690 0 -45,690 14,26,112 12,83,500
31/03/30 56 25,00,000 5,00,000 0 0 45,690 0 -45,690 16,32,865 14,69,500
31/03/31 57 26,50,000 5,00,000 0 0 45,690 0 -45,690 18,65,346 16,78,750
31/03/32 58 28,00,000 5,00,000 0 0 45,690 0 -45,690 21,27,016 19,14,250
31/03/33 59 29,50,000 5,00,000 0 0 45,690 0 -45,690 24,21,655 21,79,500
31/03/34 60 31,00,000 5,00,000 0 0 45,690 0 -45,690 30,77,803 23,01,250
31/03/35 61 10,00,000 5,00,000 0 0 0 31,00,000 31,00,000 3,88,800 3,50,000
31/03/36 62 10,00,000 5,00,000 0 0 0 0 0 4,04,000 3,63,500
31/03/37 63 10,00,000 5,00,000 0 0 0 0 0 4,19,399 3,77,500
31/03/38 64 10,00,000 5,00,000 0 0 0 0 0 4,34,900 3,91,500
31/03/39 65 10,00,000 5,00,000 0 0 0 0 0 4,50,499 4,05,500
31/03/40 66 10,00,000 5,00,000 0 0 0 0 0 4,66,199 4,19,500
31/03/41 67 10,00,000 5,00,000 0 0 0 0 0 4,81,800 4,33,500
31/03/42 68 10,00,000 5,00,000 0 0 0 0 0 4,97,400 4,47,750
31/03/43 69 10,00,000 5,00,000 0 0 0 0 0 5,12,999 4,61,750
31/03/44 70 10,00,000 5,00,000 0 0 0 0 0 5,28,499 4,75,750
31/03/45 71 10,00,000 0 0 0 0 0 0 5,43,899 4,89,500
31/03/46 72 10,00,000 0 0 0 0 0 0 5,59,199 5,03,250
31/03/47 73 10,00,000 0 0 0 0 0 0 5,74,300 5,16,750
31/03/48 74 10,00,000 0 0 0 0 0 0 5,89,199 5,30,250
31/03/49 75 10,00,000 0 0 0 0 0 0 6,03,800 5,43,500
31/03/50 76 10,00,000 0 0 0 0 0 0 6,18,200 5,56,500
31/03/51 77 10,00,000 0 0 0 0 0 0 6,32,400 5,69,250
31/03/52 78 10,00,000 0 0 0 0 0 0 6,46,200 5,81,500
31/03/53 79 10,00,000 0 0 0 0 0 0 6,59,800 5,93,750
31/03/54 80 10,00,000 0 0 0 0 0 0 6,73,000 6,05,750
31/03/55 81 10,00,000 0 0 0 0 0 0 6,85,800 6,17,250
31/03/56 82 10,00,000 0 0 0 0 0 0 6,98,300 6,28,500
31/03/57 83 10,00,000 0 0 0 0 0 0 7,10,400 6,39,250
THARA THOMAS
DEVELOPMENT OFFICER

MOB: 9287349686
Ending Age (Natural Death) Accident Crit. Ill. PWB Premium Returns Cash Flow Value Available
31/03/58 84 10,00,000 0 0 0 0 0 0 7,22,099 6,50,000

31/03/59 85 10,00,000 0 0 0 0 0 0 7,33,499 6,60,250
31/03/60 86 10,00,000 0 0 0 0 0 0 7,44,400 6,70,000
31/03/61 87 10,00,000 0 0 0 0 0 0 7,55,000 6,79,500
31/03/62 88 10,00,000 0 0 0 0 0 0 7,65,199 6,88,750
31/03/63 89 10,00,000 0 0 0 0 0 0 7,75,400 6,97,750
31/03/64 90 10,00,000 0 0 0 0 0 0 7,85,199 7,06,750
31/03/65 91 10,00,000 0 0 0 0 0 0 7,95,199 7,15,750
31/03/66 92 10,00,000 0 0 0 0 0 0 8,05,100 7,24,500
31/03/67 93 10,00,000 0 0 0 0 0 0 8,15,299 7,33,750
31/03/68 94 10,00,000 0 0 0 0 0 0 8,28,300 7,45,500
31/03/69 95 10,00,000 0 0 0 0 0 0 8,39,700 7,55,750
31/03/70 96 10,00,000 0 0 0 0 0 0 8,61,299 7,75,250
31/03/71 97 10,00,000 0 0 0 0 0 0 8,82,399 7,94,250
31/03/72 98 10,00,000 0 0 0 0 0 0 9,30,999 8,38,000
31/03/73 99 10,00,000 0 0 0 0 0 0 0 0
31/03/74 100 10,00,000 0 0 0 0 0 0 0 0
31/03/75 101 10,00,000 0 0 0 0 0 0 0 0
14/05/75 101 10,00,000 0 0 0 0 0 0 0 0
10,96,560 31,00,000 20,03,440
Yield on Investments (Pre Tax) : 7.59 %
Key Assumptions
Personal Data: DOB: 25/05/1974
Income Tax: Sec. 80CCE Limit Available: 100000 Sec. 80D Limit Available: 10000
Tax Savings on premiums will be @ 33.99 % u/s 80CCE and @ 33.99 % u/s 80D
Projection Bonus: On applicable plans, Forecasted Bonus has been considered for the purpose of projected Riskcover, Returns, Cash Value
and Loan calculations
Terminal Bonus: On applicable plans Terminal Bonus has been considered (On applicable plans last declared Terminal Bonus
Rates have been considered in the above calculations).
Loyalty Addition: Loyalty Addition has been considered on applicable plans, on the basis of indicative rates given by LIC or is
based on consistent return of 10.00 %
THARA THOMAS
DEVELOPMENT OFFICER

MOB: 9287349686
Premium Breakup & Tax Implication (for the year)
Premium Breakup u/s 80 CCE u/s 80 D
Fin. Year Term Critical Other Eligible Tax Ben. Eligible Tax Ben. Total
Ending Basic Rider DAB Illness PWB Rider Total Amount @33.99% Amount @33.99% Benefit
31/03/11 45,690 0 0 0 0 0 45,690 45,690 15,530 0 0 15,530

31/03/12 45,690 0 0 0 0 0 45,690 45,690 15,530 0 0 15,530
31/03/13 45,690 0 0 0 0 0 45,690 45,690 15,530 0 0 15,530
31/03/14 45,690 0 0 0 0 0 45,690 45,690 15,530 0 0 15,530
31/03/15 45,690 0 0 0 0 0 45,690 45,690 15,530 0 0 15,530
31/03/16 45,690 0 0 0 0 0 45,690 45,690 15,530 0 0 15,530
31/03/17 45,690 0 0 0 0 0 45,690 45,690 15,530 0 0 15,530
31/03/18 45,690 0 0 0 0 0 45,690 45,690 15,530 0 0 15,530
31/03/19 45,690 0 0 0 0 0 45,690 45,690 15,530 0 0 15,530
31/03/20 45,690 0 0 0 0 0 45,690 45,690 15,530 0 0 15,530
31/03/21 45,690 0 0 0 0 0 45,690 45,690 15,530 0 0 15,530
31/03/22 45,690 0 0 0 0 0 45,690 45,690 15,530 0 0 15,530
31/03/23 45,690 0 0 0 0 0 45,690 45,690 15,530 0 0 15,530
31/03/24 45,690 0 0 0 0 0 45,690 45,690 15,530 0 0 15,530
31/03/25 45,690 0 0 0 0 0 45,690 45,690 15,530 0 0 15,530
31/03/26 45,690 0 0 0 0 0 45,690 45,690 15,530 0 0 15,530
31/03/27 45,690 0 0 0 0 0 45,690 45,690 15,530 0 0 15,530
31/03/28 45,690 0 0 0 0 0 45,690 45,690 15,530 0 0 15,530
31/03/29 45,690 0 0 0 0 0 45,690 45,690 15,530 0 0 15,530
31/03/30 45,690 0 0 0 0 0 45,690 45,690 15,530 0 0 15,530
31/03/31 45,690 0 0 0 0 0 45,690 45,690 15,530 0 0 15,530
31/03/32 45,690 0 0 0 0 0 45,690 45,690 15,530 0 0 15,530
31/03/33 45,690 0 0 0 0 0 45,690 45,690 15,530 0 0 15,530
31/03/34 45,690 0 0 0 0 0 45,690 45,690 15,530 0 0 15,530
10,96,560 0 0 0 0 0 10,96,560 10,96,560 3,72,720 0 0 3,72,720
Yield on Investments (Post Tax) : 10.36 %
THARA THOMAS
DEVELOPMENT OFFICER

MOB: 9287349686
Innovative Benefits Illustration
Ending Age (Natural Death) Accident Critical Ill. PWB Payment Returns Cash Flow Value Available
31/03/11 37 10,60,000 5,00,000 0 0 45,690 0 -45,690 0 0

31/03/12 38 11,20,000 5,00,000 0 0 45,690 0 -45,690 0 0
31/03/13 39 11,80,000 5,00,000 0 0 45,690 0 -45,690 35,752 32,250
31/03/14 40 12,40,000 5,00,000 0 0 45,690 0 -45,690 92,329 83,000
31/03/15 41 13,00,000 5,00,000 0 0 45,690 0 -45,690 1,27,831 1,15,000
31/03/16 42 13,60,000 5,00,000 0 0 45,690 0 -45,690 1,68,243 1,51,500
31/03/17 43 14,20,000 5,00,000 0 0 45,690 0 -45,690 2,14,067 1,92,750
31/03/18 44 14,80,000 5,00,000 0 0 45,690 0 -45,690 2,65,890 2,39,250
31/03/19 45 15,40,000 5,00,000 0 0 45,690 0 -45,690 3,24,434 2,92,000
31/03/20 46 16,00,000 5,00,000 0 0 45,690 0 -45,690 3,90,414 3,51,250
31/03/21 47 16,60,000 5,00,000 0 0 45,690 0 -45,690 4,64,599 4,18,250
31/03/22 48 17,20,000 5,00,000 0 0 45,690 0 -45,690 5,47,924 4,93,250
31/03/23 49 17,80,000 5,00,000 0 0 45,690 0 -45,690 6,41,420 5,77,250
31/03/24 50 18,40,000 5,00,000 0 0 45,690 0 -45,690 7,45,938 6,71,250
31/03/25 51 19,40,000 5,00,000 0 0 45,690 0 -45,690 8,51,359 7,66,250
31/03/26 52 20,20,000 5,00,000 0 0 45,690 0 -45,690 9,69,753 8,72,750
31/03/27 53 21,10,000 5,00,000 0 0 45,690 0 -45,690 11,03,192 9,92,750
31/03/28 54 21,90,000 5,00,000 0 0 45,690 0 -45,690 12,54,326 11,29,000
31/03/29 55 23,05,000 5,00,000 0 0 45,690 0 -45,690 14,26,112 12,83,500
31/03/30 56 25,00,000 5,00,000 0 0 45,690 0 -45,690 16,32,865 14,69,500
31/03/31 57 26,50,000 5,00,000 0 0 45,690 0 -45,690 18,65,346 16,78,750
31/03/32 58 28,00,000 5,00,000 0 0 45,690 0 -45,690 21,27,016 19,14,250
31/03/33 59 29,50,000 5,00,000 0 0 45,690 0 -45,690 24,21,655 21,79,500
31/03/34 60 31,00,000 5,00,000 0 0 45,690 0 -45,690 30,77,803 23,01,250
31/03/35 61 10,00,000 5,00,000 0 0 0 31,00,000 31,00,000 3,88,800 3,50,000
31/03/36 62 10,00,000 5,00,000 0 0 0 0 0 4,04,000 3,63,500
31/03/37 63 10,00,000 5,00,000 0 0 0 0 0 4,19,399 3,77,500
31/03/38 64 10,00,000 5,00,000 0 0 0 0 0 4,34,900 3,91,500
31/03/39 65 10,00,000 5,00,000 0 0 0 0 0 4,50,499 4,05,500
31/03/40 66 10,00,000 5,00,000 0 0 0 0 0 4,66,199 4,19,500
31/03/41 67 10,00,000 5,00,000 0 0 0 0 0 4,81,800 4,33,500
31/03/42 68 10,00,000 5,00,000 0 0 0 0 0 4,97,400 4,47,750
31/03/43 69 10,00,000 5,00,000 0 0 0 0 0 5,12,999 4,61,750
31/03/44 70 10,00,000 5,00,000 0 0 0 0 0 5,28,499 4,75,750
31/03/45 71 10,00,000 0 0 0 0 0 0 5,43,899 4,89,500
31/03/46 72 10,00,000 0 0 0 0 0 0 5,59,199 5,03,250
31/03/47 73 10,00,000 0 0 0 0 0 0 5,74,300 5,16,750
31/03/48 74 10,00,000 0 0 0 0 0 0 5,89,199 5,30,250
31/03/49 75 10,00,000 0 0 0 0 0 0 6,03,800 5,43,500
31/03/50 76 10,00,000 0 0 0 0 0 0 6,18,200 5,56,500
31/03/51 77 10,00,000 0 0 0 0 0 0 6,32,400 5,69,250
31/03/52 78 10,00,000 0 0 0 0 0 0 6,46,200 5,81,500
31/03/53 79 10,00,000 0 0 0 0 0 0 6,59,800 5,93,750
31/03/54 80 10,00,000 0 0 0 0 0 0 6,73,000 6,05,750
31/03/55 81 10,00,000 0 0 0 0 0 0 6,85,800 6,17,250
31/03/56 82 10,00,000 0 0 0 0 0 0 6,98,300 6,28,500
31/03/57 83 10,00,000 0 0 0 0 0 0 7,10,400 6,39,250
THARA THOMAS
DEVELOPMENT OFFICER

MOB: 9287349686
Ending Age (Natural Death) Accident Critical Ill. PWB Payment Returns Cash Flow Value Available
31/03/58 84 10,00,000 0 0 0 0 0 0 7,22,099 6,50,000

31/03/59 85 10,00,000 0 0 0 0 0 0 7,33,499 6,60,250
31/03/60 86 10,00,000 0 0 0 0 0 0 7,44,400 6,70,000
31/03/61 87 10,00,000 0 0 0 0 0 0 7,55,000 6,79,500
31/03/62 88 10,00,000 0 0 0 0 0 0 7,65,199 6,88,750
31/03/63 89 10,00,000 0 0 0 0 0 0 7,75,400 6,97,750
31/03/64 90 10,00,000 0 0 0 0 0 0 7,85,199 7,06,750
31/03/65 91 10,00,000 0 0 0 0 0 0 7,95,199 7,15,750
31/03/66 92 10,00,000 0 0 0 0 0 0 8,05,100 7,24,500
31/03/67 93 10,00,000 0 0 0 0 0 0 8,15,299 7,33,750
31/03/68 94 10,00,000 0 0 0 0 0 0 8,28,300 7,45,500
31/03/69 95 10,00,000 0 0 0 0 0 0 8,39,700 7,55,750
31/03/70 96 10,00,000 0 0 0 0 0 0 8,61,299 7,75,250
31/03/71 97 10,00,000 0 0 0 0 0 0 8,82,399 7,94,250
31/03/72 98 10,00,000 0 0 0 0 0 0 9,30,999 8,38,000
31/03/73 99 10,00,000 0 0 0 0 0 0 0 0
31/03/74 100 10,00,000 0 0 0 0 0 0 0 0
31/03/75 101 10,00,000 0 0 0 0 0 0 0 0
14/05/75 101 10,00,000 0 0 0 0 0 0 0 0
10,96,560 31,00,000 20,03,440
Explanatory Notes
Payment to L.I.C. indicates Annual Premium and /or Advance Premiums

Returns in the Year indicates Normal Cash Flow and /or Cash Flow taken from L.I.C. in installments (Inclusive of Interest).
Yield on Investments (Pre Tax) : 7.59 %

MR - Baiju - Magistrate

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"Insure & be secure"

A presentation specially compiled for

LIC OF INDIA,CBO - II,

Term/ Basic Sum Term Accident Crit.Illness. Premium Install. Tax

1 14/05/10 149-Jeevan Anand 24/24 10,00,000 0 5,00,000 0 - Y 45,690

Annual Premium: 45,690

Modewise Summary of Installment Premiums

Interim * Bonus #Assu PREMIUM

1 14/05/10 149/24/24 45 60 0.00 660 3,931 4,137 11,794 23,216 45,690

3,931 4,137 11,794 23,216 45,690

3. '%' : - Assumed Growth Rate

Medical Requirement Details

Sum at Risk: 10,00,000 Medical by DMR: No

LIC OF INDIA,CBO - II,

31/03/11 37 10,60,000 5,00,000 0 0 45,690 0 -45,690 0 0

LIC OF INDIA,CBO - II,

31/03/58 84 10,00,000 0 0 0 0 0 0 7,22,099 6,50,000

10,96,560 31,00,000 20,03,440

Yield on Investments (Pre Tax) : 7.59 %

Personal Data: DOB: 25/05/1974

LIC OF INDIA,CBO - II,

Premium Breakup & Tax Implication (for the year)

Premium Breakup u/s 80 CCE u/s 80 D

31/03/11 45,690 0 0 0 0 0 45,690 45,690 15,530 0 0 15,530

10,96,560 0 0 0 0 0 10,96,560 10,96,560 3,72,720 0 0 3,72,720

Yield on Investments (Post Tax) : 10.36 %

LIC OF INDIA,CBO - II,

Innovative Benefits Illustration

31/03/11 37 10,60,000 5,00,000 0 0 45,690 0 -45,690 0 0

LIC OF INDIA,CBO - II,

31/03/58 84 10,00,000 0 0 0 0 0 0 7,22,099 6,50,000

Payment to L.I.C. indicates Annual Premium and /or Advance Premiums

Yield on Investments (Pre Tax) : 7.59 %

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