1. Mr Sharad Koli
Life Insurance Corporation of India
Every day we wake up to the fact that more than 170 million lives are
part of our family called LIC. We are humbled by the magnitude of the
responsibility we carry and realize that the lives that are associated
with us are very valuable indeed.
Although this journey started five decades ago, we are still conscious
of the fact that, while insurance may be a business for us, being part
of millions of lives every day for the past 55 years has been a process
called TRUST.
55 Years Of Trust…
…Thy Name Is LIC
Our Mission & Vision
Mission:
“Explore & Enhance the quality of life of people through financial security by providing products and
services of aspired attributes with competitive returns, and by rendering resources for economic
development”
Vision:
“A Trans-Nationally competitive financial conglomerate of significance to societies and pride of India”
SAMEER AGARKAR
INSURANCE & TAX CONSULTANT
502, ALIF TOWER, THANGEWADI, MURBAD RD., KALYAN (W). 421 301
Mobile No. : 9768823052, Email. :samirraga@yahoo.co.in

2. SAMEER AGARKAR
INSURANCE & TAX CONSULTANT
502, ALIF TOWER, THANGEWADI, MURBAD RD., KALYAN (W). 421 301
Mobile No. : 9768823052, Email. :samirraga@yahoo.co.in
Name: Mr Sharad Koli Age: 33 Date: 24/05/2011
Plan 75: Money-Back With Profits
This is Money back Plan for those who, besides desiring to provide for their own old age and family, feel the
need for lump sum benefits at periodical intervals. This policy is with a term of 20 years. Survival benefits
are payable periodically.However, in the event of death at any time within the selected term, the full sum
assured is payable without any deduction or adjustment for the amount that may have been paid earlier by way
of survival benefit. Premiums are payable for the selected term of years or till death if it occurs within that
period. The bonus additions to the policy will be reckoned on the full sum assured and are payable at the end
of the selected term of years or at the life assured death.Facility for Loan, housing loan, surrender, backdating
of policy and double accident benefits are available.Policy can be considered for key man Insurance without DAB,
EPDB, and TRB.
Features
1. This policy provides for a regular income flow at regular intervals in the form of “Survival Benefits”.
20% of SA is returned after every 5 years completion.
2. Maturity Benefit : Bonus is given for the full sum assured amount. On maturity, 40% of SA along
with attached bonuses is given.
3. Death Benefit : On death, before the policy term ends, full Sum Assured + Bonus is given to the
nominee.
The Survival Benefit already paid, if any, is not deducted in case of death claim.
3. Double Accident Benefit :- On death due to accident extra sum assured would be payable.
4. Permanent Disability Benefit :- In case of disability due to accident following would be payable.
* Future premiums are waived.
* Annuity for next 10 years = SA / 120. payable monthly.
* Insurance cover continues and maturity would be payable after completion of term .
5. Term Rider Benefit is available for extra risk cover on natural death. This benefit is available
at extra cost.
6. Critical Illness Rider Benefit is available. Covering Heart Attack, Stroke, Cancer, Kidney Failure,
Major Organ Transplant, Paralysis, 3rd Degree Burns, Blindness, Coronary Artery By-Pass Surgery
Heart Valve Replacement or Repair, Aorta Graft Surgery. This benefit is available at extra cost.
7. Loan can be taken against this policy.
8. This policy provides for a facility of housing loan.
9. Policy can be assigned as security in bank, housing co. or any financial institute.
10. Backdating of policy is allowed.
11. Policy can be surrendered for its paid-up value after a period of 3 years.
Having the right to do it, does not mean it is right to do it. 39

3. SAMEER AGARKAR
INSURANCE & TAX CONSULTANT
502, ALIF TOWER, THANGEWADI, MURBAD RD., KALYAN (W). 421 301
Mobile No. : 9768823052, Email. :samirraga@yahoo.co.in
Name: Mr Sharad Koli Age: 33 Date: 24/05/2011
Presentation Details
Plan Plan Name Term Sum Bonus Mode *Premium Total Maturity Maturity
/ PPT Assured Prem's Paid Year Amount
75 Money-Back With Profits 20/20 200000 39 SSS 1114 267360 2031 244000
Total: 200000 1114 267360
Note: The above Statements are based on certain assumptions, which are liable to change according to Government / Corporation's Policies.
* Rider Premiums are included in Premium.
* NI is number of installments.
Rider Details
Plan Term PPT Rider Name Rider Sum Rider Rider Total Prem's
Term Premium Paid
75 20 20 Double Accident Benefit 200000 20 17 4080
Total 17 4080
Agents Copy
Sr. DOC Pn / Tm / Sum Mode No of
No. PPT Assured Yearly Half Yearly Quaterly Monthly SSS Single Per Day Inst.
1 24/05/2011 75/20/20 200000 12963 6583 3343 1171 1114 0 35.52 0
12963 6583 3343 1171 1114 0 35.52
All our dreams can’t be translet into reality.. but they can act as a foundation stone for a 39
glorious future.

4. SAMEER AGARKAR
INSURANCE & TAX CONSULTANT
502, ALIF TOWER, THANGEWADI, MURBAD RD., KALYAN (W). 421 301
Mobile No. : 9768823052, Email. :samirraga@yahoo.co.in
Name: Mr Sharad Koli Age: 33 Date: 24/05/2011
Return's Spreadsheet
Tax Slab: 30%
Year Age Normal Accident Annual Tax Net Returns Net Returns Surrender Total Loan
Lifecover Lifecover Premium Saved Premium from LIC Value Available
2011 33 207800 407800 13368 4010 9358 0 -9358 0 0
2012 34 215600 415600 13368 4010 9358 0 -9358 0 0
2013 35 223400 423400 13368 4010 9358 0 -9358 10891 9802
2014 36 231200 431200 13368 4010 9358 0 -9358 22161 19944
2015 37 239000 439000 13368 4010 9358 0 -9358 30421 27379
2016 38 246800 446800 13368 4010 9358 40000 30642 17156 15440
2017 39 254600 454600 13368 4010 9358 0 -9358 26075 23468
2018 40 262400 462400 13368 4010 9358 0 -9358 36264 32637
2019 41 270200 470200 13368 4010 9358 0 -9358 47881 43093
2020 42 278000 478000 13368 4010 9358 0 -9358 61085 54977
2021 43 285800 485800 13368 4010 9358 40000 30642 43185 38866
2022 44 293600 493600 13368 4010 9358 0 -9358 56672 51005
2023 45 301400 501400 13368 4010 9358 0 -9358 69698 62729
2024 46 309200 509200 13368 4010 9358 0 -9358 89088 80180
2025 47 321000 521000 13368 4010 9358 0 -9358 114788 103309
2026 48 328800 528800 13368 4010 9358 40000 30642 92045 82840
2027 49 336600 536600 13368 4010 9358 0 -9358 115653 104088
2028 50 344400 544400 13368 4010 9358 0 -9358 142751 128476
2029 51 352200 552200 13368 4010 9358 0 -9358 173809 156428
2030 52 364000 564000 13368 4010 9358 0 -9358 209351 188416
2031 53 0 0 0 0 0 244000 244000 0 0
Total: 267360 80200 187160 364000 176840
Note: (1) The above Statements are based on certain assumptions, which are liable to change according to Government / Corporation's Policies.
Calculation includes Bonus and Final Additional Bonus as per present Rates.
(2) * Available Total Money.
(3) we are showing annual returns. in case of payment in arrears, half yearly installmant starts 6 months after maturity and yearly installment starts 1 year after
maturity. in case of payment in advance, yearly and half yearly installments starts immediately from maturity date.
(4) Please refer circular no: Actl / 2015 / 4 for details about settlement options.
(*) The above illustration gives an effective yield of 9.75% with tax benefit.
(*) The above illustration gives an effective yield of 4.36% without tax benefit.
At the retirement age be rich or be poor … Its totally depends upon ur today’s decision. 39
Plan now for tomorrow.

5. SAMEER AGARKAR
INSURANCE & TAX CONSULTANT
502, ALIF TOWER, THANGEWADI, MURBAD RD., KALYAN (W). 421 301
Mobile No. : 9768823052, Email. :samirraga@yahoo.co.in
Name: Mr Sharad Koli Age: 33 Date: 24/05/2011
Summary
Maximum Risk Cover (Normal) 364000
Maximum Risk Cover (Accidental) 564000
Total Premium Paid 267360
Total Tax Saved u/s 80C 80200
NetPremium 187160
Returns (Maturity and Survival) 364000
Compounded Value Of Returns 364000
Additional Gain by Loan Recycling 0
Net Amount In Hand On 24/05/2031 364000
Yield WithOut Tax Benefit 4.36
Yield With Tax Benefit 9.75
Breakup of Returns 8000
Sum Assured & Survival's 200000 156000
200000
Bonus 156000
Final Additional Bonus 8000
Take risks: if you win, you will be happy; if you loose, you will be wise 39