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1. Jeevan Nidhi …….Jeevan Nidhi ……. ten good reasons whyten good reasons why
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By the year 2016, 11.3 croreBy the year 2016, 11.3 crore
people in India arepeople in India are expectedexpected
to be agedto be aged greater than 60 yearsgreater than 60 years
There are more than 5.5 crore peopleThere are more than 5.5 crore people
aged more than 60 yearsaged more than 60 years
in India today.in India today.

2. Jeevan Nidhi …….Jeevan Nidhi ……. ten good reasons whyten good reasons why
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Average educated IndianAverage educated Indian
is expected to live 20 yearsis expected to live 20 years
beyond his retirement agebeyond his retirement age
Retirement is a wonderful opportunityRetirement is a wonderful opportunity
to live a new life, develop new intereststo live a new life, develop new interests
make new contributions to societymake new contributions to society

3. Jeevan Nidhi …….Jeevan Nidhi ……. ten good reasons whyten good reasons why
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You need not compromise onYou need not compromise on
your lifestyle evenyour lifestyle even
when you retirewhen you retire
Financial independenceFinancial independence
will enable you to live lifewill enable you to live life
your own way even afteryour own way even after

4. Jeevan Nidhi …….Jeevan Nidhi ……. ten good reasons whyten good reasons why
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 Life expectancy has increased considerablyLife expectancy has increased considerably
 Costs of living and health care have risenCosts of living and health care have risen
 Joint family system has disintegratedJoint family system has disintegrated
 Interest rates have fallen significantlyInterest rates have fallen significantly
 Standard of living has to be maintained.Standard of living has to be maintained.
All the above circumstancesAll the above circumstances
necessitate sufficient & consistent incomenecessitate sufficient & consistent income
after you retire from workafter you retire from work

5. Jeevan Nidhi …….Jeevan Nidhi ……. ten good reasons whyten good reasons why
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5
Businessmen, Professionals, Shopkeepers, Agriculturists
Employees in the new age industries like BPOs, Call Centers
need regular income when they retire from work
in the same fashion as employees who are
provided pensions through their employers.
Our country has a large number of such
professionals, businessmen, agriculturists &
also
employees in the New Age industries.

6. Jeevan Nidhi …….Jeevan Nidhi ……. ten good reasons whyten good reasons why
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Jeevan Nidhi provides risk cover during the
deferment period.
Options are available for term assurance cover,
critical illness cover, premium waiver cover.
Enables planning for retirement
from an early age of 18 years,
in small instalments

7. Jeevan Nidhi …….Jeevan Nidhi ……. ten good reasons whyten good reasons why
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There are options
for five different types of annuities
Option available to start pension
from as early as age 40 years
to age 70 years.

8. Jeevan Nidhi …….Jeevan Nidhi ……. ten good reasons whyten good reasons why
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Premium paid upto Rs. 10,000 in a year
is eligible for Income Tax rebate
under Sec. 80 CCC(1) of Income Tax,, 1961.
Deferment period 5 to 35 years are available.
Premium can also be paid in a single instalment.

9. Jeevan Nidhi …….Jeevan Nidhi ……. ten good reasons whyten good reasons why
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It guarantees an amount equal to :
Sum Assured + Guaranteed Addition @ Rs. 50 per
thousand sum assured per annum for first 5 years
+
Simple reversionary bonus from 6th
year onwards +
Terminal Bonus, if any.
Above amount will be used to provide annuity on dateAbove amount will be used to provide annuity on date
of vesting.of vesting.
If unfortunate death occurs earlier to vesting, amountIf unfortunate death occurs earlier to vesting, amount
paid to beneficiary in lump sum.paid to beneficiary in lump sum.

10. Jeevan Nidhi …….Jeevan Nidhi ……. ten good reasons whyten good reasons why
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It will spare you of the worries of ‘tomorrow’It will spare you of the worries of ‘tomorrow’
and enable you to enjoy your ‘today’.and enable you to enjoy your ‘today’.
There is a need to provide for ‘risk of living longer’
in the same way we secure against ‘risk of dying early’.