SHREE GANESH AGENCIES

Shree Ganesh Agency

Mr Manoj C Ostwal
Sec 27,Plot 303,fl 02,PCNT,PUNE-411044
Tel 020-27657379 Mob 9823095540
e-mail. manojostwal2007@gmail.com

Jeevan Anand
. . . . a life free of worries

24/05/2011
Illustration specially customized for Dr. MUTHA MAHAVIR Aged 25 Years.

Jeevan Anand is an innovative insurance product from Life Insurance Corporation of India,
which combines the benefits of an Endowment Policy and a Whole Life Policy.
Under this plan you pay premiums for a limited period. During the premium paying period
you are covered to the extent of the sum assured and the bonuses that vest on this
policy. After the premium term is over the sum assured together with accumulated
bonuses and final additional bonus (if any) become payable to you free of any income tax.
The highlight of this plan is that even after the maturity of the policy the coverage on your
life continues for your lifetime to the extent of the sum assured without the payment of
any further premiums.

General Terms of this Plan

Minimum Age At Entry

18 years completed

Maximum Age At Entry

65 years (Age Nearer Birthday)

Maximum Premium
Ceasing Age

75 years (Age Nearer Birthday)

Premium Paying Term

5 years to 57 years

Minimum Sum Assured

Rs. 1,00,000

Maximum Sum Assured

No Limit

Double Accident
Benefit

Exclusively available upto Rs.5,00,000 during the Premium

paying term and thereafter upto age 70. No additional
premium is required to be paid

Loans

Available after payment of 3 full years premiums

SHREE GANESH AGENCIES

Shree Ganesh Agency
Mr Manoj C Ostwal
Sec 27,Plot 303,fl 02,PCNT,PUNE-411044
Tel 020-27657379 Mob 9823095540
e-mail. manojostwal2007@gmail.com

A Proposal Jeevan Anand for you

Sum Proposed : Rs.2500000

Premium Payable For : 31 Years

Premium Payable : Yearly

Basic Premium : Rs.74014

Rider Premiums

Total Premium

Interim Bonus Rate : 45

Assumed Bonus Rate

: Rs.0
*
: 45

Sec.80 CCE Inv. Limit : Rs.100000

Step Rate

: Rs. 74014
#
:0

Sec.80 CCE Tax Rebate : 33.99%

Insurance Facts

Year
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
2027
2028
2029
2030
2031
2032
2033
2034
2035
2036
2037
2038
2039
2040
2041
2042
2043
2044

Age
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

Risk Cover
Normal Accident
2612500
2725000
2837500
2950000
3062500
3175000
3287500
3400000
3512500
3625000
3737500
3850000
3962500
4075000
4237500
4362500
4487500
4612500
4762500
4925000
5112500
5350000
5712500
6075000
6437500
6800000
7212500
7625000
8037500
8625000
9237500
2500000
2500000
2500000

3112500
3225000
3337500
3450000
3562500
3675000
3787500
3900000
4012500
4125000
4237500
4350000
4462500
4575000
4737500
4862500
4987500
5112500
5262500
5425000
5612500
5850000
6212500
6575000
6937500
7300000
7712500
8125000
8537500
9125000
9737500
3000000
3000000
3000000

Annual
Premium

Tax
Saved

74014
74014
74014
74014
74014
74014
74014
74014
74014
74014
74014
74014
74014
74014
74014
74014
74014
74014
74014
74014
74014
74014
74014
74014
74014
74014
74014
74014
74014
74014
74014
0
0
0

25157
25157
25157
25157
25157
25157
25157
25157
25157
25157
25157
25157
25157
25157
25157
25157
25157
25157
25157
25157
25157
25157
25157
25157
25157
25157
25157
25157
25157
25157
25157
0
0
0

Nett
Returns New Loan Total Loan
Premium From L.I.C. Available Available
48857
48857
48857
48857
48857
48857
48857
48857
48857
48857
48857
48857
48857
48857
48857
48857
48857
48857
48857
48857
48857
48857
48857
48857
48857
48857
48857
48857
48857
48857
48857
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
9237500
0
0

0
0
35500
43250
34500
39000
44000
49750
56000
63000
70250
79000
88250
98000
109250
121250
134500
119750
194500
182750
202000
223500
217500
243500
273500
308250
350750
423750
475250
534000
600250
709500
31750
32750

0
0
35500
78750
113250
152250
196250
246000
302000
365000
435250
514250
602500
700500
809750
931000
1065500
1185250
1379750
1562500
1764500
1988000
2205500
2449000
2722500
3030750
3381500
3805250
4280500
4814500
5414750
709500
741250
774000

2045
2046
2047
2048
2049
2050
2051
2052
2053
2054
2055
2056
2057
2058
2059
2060
2061
2062
2063
2064
2065
2066
2067
2068
2069
2070
2071
2072
2073
2074
2075
2076
2077
2078
2079
2080
2081
2082
2083
2084
2085
2086

59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100

2500000
2500000
2500000
2500000
2500000
2500000
2500000
2500000
2500000
2500000
2500000
2500000
2500000
2500000
2500000
2500000
2500000
2500000
2500000
2500000
2500000
2500000
2500000
2500000
2500000
2500000
2500000
2500000
2500000
2500000
2500000
2500000
2500000
2500000
2500000
2500000
2500000
2500000
2500000
2500000
2500000
2500000

3000000
3000000
3000000
3000000
3000000
3000000
3000000
3000000
3000000
3000000
3000000
2500000
2500000
2500000
2500000
2500000
2500000
2500000
2500000
2500000
2500000
2500000
2500000
2500000
2500000
2500000
2500000
2500000
2500000
2500000
2500000
2500000
2500000
2500000
2500000
2500000
2500000
2500000
2500000
2500000
2500000
2500000

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

2294434

779867

1514567

9237500

33000
33500
34250
34250
34750
34750
35000
35500
35000
35250
35000
34750
34750
34500
34000
33500
32750
32500
32000
31000
30500
29750
28750
28250
27250
26250
25500
24750
23750
23000
23000
22000
22500
22250
23000
29250
25500
48750
47500
109250
77500
0

807000
840500
874750
909000
943750
978500
1013500
1049000
1084000
1119250
1154250
1189000
1223750
1258250
1292250
1325750
1358500
1391000
1423000
1454000
1484500
1514250
1543000
1571250
1598500
1624750
1650250
1675000
1698750
1721750
1744750
1766750
1789250
1811500
1834500
1863750
1889250
1938000
1985500
2094750
2172250
0

SHREE GANESH AGENCIES

Shree Ganesh Agency
Mr Manoj C Ostwal
Sec 27,Plot 303,fl 02,PCNT,PUNE-411044
Tel 020-27657379 Mob 9823095540
e-mail. manojostwal2007@gmail.com

Benefits Summary*
Minimum Risk Cover (Normal)

Rs. 2612500

Minimum Risk Cover (Accidental)

Rs. 3112500

Maximum Risk Cover (Normal)

Rs. 9237500

Maximum Risk Cover (Accidental)

Rs. 9737500

Annual Tax Savings (Sec. 80 CCE)

Rs. 25157

Total Premium to be paid

Rs. 2294434

Maturity Amount in 2042

Rs. 9237500

Yield on Investment

9.72%

Free Risk Cover from 2042

onwards for Lifetime

Rs. 2500000

Free additional accidental cover

from 2042 to 2056 ,when you
reach age of 70 yrs

Rs. 500000

1. '*' : - Assuming that LIC will declare the above mentioned bonus rates for the year ended 31-Mar-2011
2. '#' : - Assuming that bonus rate declared by LIC will increase/decrease per year by step rate mentioned above.

The above statement is based on certain assumptions which are

liable to change according to Government/Corporation's policies.