Lic jeevan saral 165

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Lic jeevan saral 165

  1. 1. Welcome to the presentation onWelcome to the presentation onJEEVANJEEVANSARALSARALan innovative plan with never-beforean innovative plan with never-beforefeaturesfeatures
  2. 2. an innovative planwithnever-beforefeaturesIntroIntroIllustrationIllustrationFeaturesFeaturesBenefitsBenefits A unique plan – First ofA unique plan – First ofitsitskindkind Only traditional non-Only traditional non-linkedlinkedinsurance plan havinginsurance plan havingprovisions for partialprovisions for partialsurrenderssurrenders A conventional planA conventional planATTRACTIONSATTRACTIONS
  3. 3. an innovative planwithnever-beforefeaturesIntroIntroIllustrationIllustrationFeaturesFeaturesBenefitsBenefits No surrender penalty after 5No surrender penalty after 5yearsyears Risk cover same for any entryRisk cover same for any entryage and term and depends onage and term and depends onthe premium onlythe premium only Loyalty additionsLoyalty additions Option available to keepOption available to keeppolicy in force, for reducedpolicy in force, for reducedpremium and benefits, evenpremium and benefits, evenafter partial surrender.after partial surrender.ATTRACTIONSATTRACTIONS
  4. 4. an innovative planwithnever-beforefeaturesIntroIntroIllustrationIllustrationFeaturesFeaturesBenefitsBenefits Easy to understandEasy to understand Provides guarantees andProvides guarantees andsmooth return over thesmooth return over thetermterm High liquidity andHigh liquidity andflexibilityflexibilityof termof termATTRACTIONS
  5. 5. an innovative planwithnever-beforefeaturesIntroIntroIllustrationIllustrationFeaturesFeaturesBenefitsBenefits Who can avail of this policy ?Those aged between 12 years (completed)and60 years (nearest birthday) What are the periods for which risk cover isavailable?Options are available for terms 10 to 35years. Are their limits on maturity age?Maximum age at maturity : 70 years. Are their limits on premium payable?- For entry age up to 49 years, minimumpremiumpayable is Rs. 250 per month.- For entry age 50 years and above,minimumpremium payable is Rs. 400 per month- There is no maximum limit on premium.FEATURESFEATURES
  6. 6. an innovative planwithnever-beforefeaturesIntroIntroIllustrationIllustrationFeaturesFeaturesBenefitsBenefitsFollowing optional riders are available bypayment of additional premium: Accidental death and disability benefitrider Term Assurance benefit riderThe maximum cover for the above riderswill beRs.25 lakhs under all policies.The Term Assurance and Accident BenefitSumsAssured under the riders will be equal toor less thanDeath Benefit Sum Assured under thebasic plan.For the term rider, the following conditionsapply :Entry Age: Between 18 years (comp.) & 50yearsMaximum age at maturity : 60 yearsSum Assured : Between Rs.1 lakh and Rs. 25lakhs(including Term Rider taken under all LICplans)FEATURES (Riders)FEATURES (Riders)
  7. 7. an innovative planwithnever-beforefeaturesIntroIntroIllustrationIllustrationFeaturesFeaturesBenefitsBenefitsAfter completion of 3 years or more from commencemprovided premiums are paid for at least 3 full years,partial surrenders are permitted.Basic premium shall be reduced & surrender valuecorresponding to amount by which the basic premiuis reduced will be paid subject to following condition¨  Once a partial surrender is made, all benefits under tpolicy will get automatically reduced proportionately.¨  Sum assured under Accident and term rider benefits &additional premium payable for such benefits willalso get correspondingly reduced, provided reduced baannual premium after partial surrender is not less thaRs.3,000/-, where the entry age is 49 years or below &Rs.4800 where the entry age is 50 years or above.¨  Minimum basic annual premium that can be surrendeat a time is Rs.1200/- p.a. & in multiples of Rs.600 p.athereafter.¨  Minimum waiting period of one year is required betwetwo successive surrenders. Partial surrender is alloweno loan is outstanding. Subject to above conditions,any number of partial surrenders are permitted.Partial Surrenders - ExplainedPartial Surrenders - Explained
  8. 8. an innovative planwithnever-beforefeaturesIntroIntroIllustrationIllustrationFeaturesFeaturesBenefitsBenefitsDeath Cover :Death Cover :       250 times the monthly basic premium+ Return of premiums paid (less FY Premium andextra / rider premiums, if any, plus   + Loyalty additions, if any. Maturity Benefit :Maturity Benefit :         Maturity sum assured, plus+ Loyalty Additions, if any.Loyalty Addition :Loyalty Addition : Loyalty additions will be declared after the policyhas been in full force for at least 10 years. Loyalty additions will also be payable if a death claimoccurs in the 10th year of the policy provided that thpolicy is in full force. Loyalty additions will be subject to the Corporation’sexperience.BENEFITSBENEFITS
  9. 9. an innovative planwithnever-beforefeaturesIntroIntroIllustrationIllustrationFeaturesFeaturesBenefitsBenefitsEndofyearTotalpremiums paidtill endof yearAmount payable on surrender or maturity at the end ofyear GuaranteedVariable TotalScenario1Scenario2Scenario 1Scenario21 4704 0 0 0 0 02 9408 0 0 0 0 03 14112 8099 0 0 8099 80994 18816 12942 0 0 12942 129425 23520 18660 0 0 18660 186606 28224 23180 0 0 23180 231807 32928 27856 0 0 27856 278568 37632 32744 0 0 32744 327449 42336 37892 0 0 37892 3789210 47040 43360 7000 18000 50360 61360Age at entry: 35 years Policy term: 25 yearsMode of premium payment: YearlyAmount of annual premium: Rs.4704/-Illustrations
  10. 10. an innovative planwithnever-beforefeaturesIntroIntroIllustrationIllustrationFeaturesFeaturesBenefitsBenefitsEndofyearTotalpremiumspaid tillend ofyearAmount payable at the end of year on deathduring the year GuaranteedVariable TotalScenario1Scenario 2Scenario 1Scenario 21 4704 100000 0 0 1000001000002 9408 104800 0 0 1048001048003 14112 109600 0 0 1096001096004 18816 114400 0 0 1144001144005 23520 119200 0 0 1192001192006 28224 124000 0 0 1240001240007 32928 128800 0 0 128800128800Age at entry: 35 years Policy term: 25 yearsMode of premium payment: YearlyAmount of annual premium: Rs.4704/-Illustrations
  11. 11. an innovative planwithnever-beforefeaturesIntroIntroIllustrationIllustrationFeaturesFeaturesBenefitsBenefitsview) life. The non-guaranteed benefits (1) and (2) inaboveillustration are calculated so that they areconsistentwith the Projected Investment Rate of Returnassumption of 6% p.a.(Scenario 1) and 10%p.a.(Scenario 2) respectively. In preparing thisbenefitillustration, it is assumed that the ProjectedInvestment Rate of Return that LICI will beable toearn throughout the term of the policy will be6% p.a.or 10% p.a., as the case may be. TheProjectedInvestment Rate of Return is not guaranteed. The main objective of the illustration is thatthe clientis able to appreciate the features of theproduct and theflow of benefits in different circumstanceswith somelevel of quantification.Illustrations- Assumptions andIllustrations- Assumptions andDisclaimerDisclaimer
  12. 12. an innovative planwithnever-beforefeatures

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