LIC Jeevan Sangam One Time Product Only for few Days with the following unique benefits Only One time investment. Ideal for school child Good Investment for child higher education returns are quite attractive Ten times risk cover of amount paid benefit in income tax Tax free maturity can be gifted to children and grandchildren.

1. LIC’s “JEEVAN SANGAM”
PLAN No. 831
Presentation by Nirmal Goyal &
Prashant Goyal
Wealth Manager
9899277522

2. P.P.F.
INTEREST RATES
2014-15 8.70
2013-14 8.70
2012-13 8.80
2011-12 8.60
2010-11 9.50
2005-10 8.50
2001-05 9.50
1989-2001 12 %

3. WHAT IS A BEST INVESTMENT
One time Payment
Growth
Better Returns
Appreciation of value
Security
Guarantee of return of funds invested
Liquidity
As and when required

4. Age 20
yrs
Age 25 yrs Age 30 yrs
Total amount invested with Service Tax 183954 193417 196923
Less Risk cover charges 32028 35394 42959
Net Amount Invested 151926 158023 153964
Less 30 % I .Tax Rebate 45000 45000 45000
Net amount Invested 106926 113023 108964
Maturity value 400000 400000 400000
Loyality Addition 140000 140000 140000
Total receivable 540000
(17 %)
540000
(16 %)
540000

6. JEEVAN SANGAM – ANOTHER POINT OF VIEW
FIXED INCOME POTIONS AVAILABLE IN INDIA
INVESTMENT
OPTION
% RETURN IN DIFFERENT TAX
BRACKETS
TENURE
NIL
TAX
10 % 20 % 30 % TILL RETIREMENT
PF/EPF 8.75 8.75 8.75 8.75 15 YEARS
PPF 8.70 8.70 8.70 8.70 15 YEARS
PSU BANK FD 8.75 7.87 7.00 6.12 1 TO 10 YEARS
SR. CITIZENS
SAVING
SCHEME
9 8.1 7.20 6.30 5 YEARS
NSC 10 YEARS 8.80 7.89 6.99 6.08 10 YEARS
LIC’S JEEVAN
SANGAM W/O
80C & TERM INS.
10% 11% 13 % 14% 12 years

7. CountryCountry JapanJapan
(¥)(¥)
FranceFrance
(₣)(₣)
Most EUMost EU
(€)(€)
USAUSA
($)($)
InterestInterest (-)0.5%(-)0.5% 0.0%0.0% 1.5% - 2%1.5% - 2% 3%3%
•If GDP grows, interest rate will come down
•In all developed countries, Int is 0% to 4% only

8. In LIC…. ?
InstrumentInstrument MeritMerit
Jeevan SANGAMJeevan SANGAM Easy liquidityEasy liquidity
Guarantee ReturnGuarantee Return
Higher ReturnHigher Return
No upper limit capNo upper limit cap
High Risk Coverage availableHigh Risk Coverage available
Tax Free ReturnTax Free Return
Tax Rebate under sec 80 CTax Rebate under sec 80 C

9. Why …… LIC’s JEEVAN SANGAM
Because it is SPECIAL
S – Single Premium- One time Investment
P – Protection –Risk Cover- 10 times the Tabular
Single Premium
E- Excellent for meeting educational needs of
young ones
C – Children from the age of 6 years can be
covered
I - Ideal for investment of planning
A – Attractive – participates in profits as loyalty
addition
L – Liquidity through Loan after completion of
90 DAYS

11. THANKS