This document summarizes a retirement planning proposal for a 35-year old person retiring in 20 years. It includes three insurance plans that provide a lump sum payment at retirement, a regular lifetime pension, lifetime risk coverage, and disability coverage until age 70 without extra cost. The plans include a Jeevan Anand plan, a Jeevan Suraksha plan, and a Jeevan Akshay plan. Taking this combination of plans provides benefits like retirement funds, lifelong income, insurance coverage, and more, all for a daily premium of just 275.96 rupees.
Market have closed firm, amid volatile trading
session, supported by strong buying among rate-
sensitive sectors mainly financials and auto after
retail inflation softened further to a four-month
low of 4.87% in April giving rise to hopes of a
rate-cut by the RBI.
The market remained in favour of bulls throughout the session on December 27, though it was volatile amid expiry of December futures & options contracts. Positive global cues on easing tensions between the White House and Federal Reserve, and also the hope of settlement between world's largest economies, the US & China over trade lifted market sentiment
Market have closed firm, amid volatile trading
session, supported by strong buying among rate-
sensitive sectors mainly financials and auto after
retail inflation softened further to a four-month
low of 4.87% in April giving rise to hopes of a
rate-cut by the RBI.
The market remained in favour of bulls throughout the session on December 27, though it was volatile amid expiry of December futures & options contracts. Positive global cues on easing tensions between the White House and Federal Reserve, and also the hope of settlement between world's largest economies, the US & China over trade lifted market sentiment
LIC's Single Premium Endowment Plan is a participating non-linked savings cum protection plan, where premium is paid in lump sum at the outset of the policy. This combination provides financial protection against death during the policy term with the provision of payment of lumpsum at the end of the selected policy term in case of his/her survival. This plan also takes care of liquidity needs through its loan facility.
Key issues in the licensing and supervision of microinsurance in CambodiaICMIF Microinsurance
This presentation was delivered by Mr Mey Vann (Director at Financial Industry Department, Cambodia) at the ICMIF-AOA Development Network Seminar (18-20 September 2013; Manila, The Philippines).
Take lic policy at age 25 get pension started at 45 upto age 60 risk cover ru...Nandini Bhatnagar
HERE IS A WONDERFUL INVESTMENT OPPORTUNITY FOR YOUNGSTERS AT AGE 25 AND EARNING GOOD INCOME TO START INVESTING RS 1,30,000/- YEARLY FOR 20 YEARS UPTO AGE 45 ONLY AND GET EXCELLENT RETURNS FROM AGE 45 YEARS............CALL AT NUMBER 09873927723 FOR INVESTMENT METHOD
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USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
how can i use my minded pi coins I need some funds.DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
How to get verified on Coinbase Account?_.docxBuy bitget
t's important to note that buying verified Coinbase accounts is not recommended and may violate Coinbase's terms of service. Instead of searching to "buy verified Coinbase accounts," follow the proper steps to verify your own account to ensure compliance and security.
where can I find a legit pi merchant onlineDOT TECH
Yes. This is very easy what you need is a recommendation from someone who has successfully traded pi coins before with a merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi network coins and resell them to Investors looking forward to hold thousands of pi coins before the open mainnet.
I will leave the telegram contact of my personal pi merchant to trade with
@Pi_vendor_247
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
how to swap pi coins to foreign currency withdrawable.
Brochure of anand raksha
1.
2. All the above benefits at just
` 275.96/- per day only.
To know more please contact:
3. Magicplan Anand Raksha
A unique plan for retirement planning.
Highlights of the plan
• Provides a lump-sump amount when the person retires
• Regular lifetime pension
• Lifetime risk cover
• DAB coverage upto age of 70 without any extra cost.
Note: In this plan we have used a combination of 3 plans for a person who is
is 35 years old and will be retiring after 20 years.
For details pls refer to the detailed illustration in the next page.
4. Sample Report For Demonstration Purpose Only
DATACOMP
205-206, C-Wing, Crystal Plaza,New Link Road,
Andheri(W), Mumbai - 400 053.
Tel: 4060 1000 Fax:4060 1226.
e-mail. support@datacompwebtech.com
Ref. No. 333Magic Mix Illustration for Mr. Akshay Kumar (age 35)
Proposed Insurance
Basic Sum
Assured Md.
Tax
Beneficiary
Install.
PremiumId Com.Date
Term/
PPTPlan Name
Term
Rider SA
Accident
Rider SA
Crit.Illness.
Rider SA
Premium
Waiver
Y1 21/04/11 149-Jeevan Anand 20/20 011,50,000 0 -0 64,784
Y2 21/04/11 147-New Jeevan Suraksha
- 1
20/20 08,00,000 8,00,000 -0 35,943
O3 28/04/31 189-Jeevan Akshay - VI 0/ 1 00 0 -0 11,00,000
1,00,727Annual Premium:
19,50,000 008,00,000
Modewise Summary of Installment Premiums
YearlyHalf YearlyQuaterlyMonthlySSSFAB
#Assu
Step
Rate
* Bonus
RatePlan/Tm/PPTId
P R E M I U M
Com. Date
Interim
Bonus
Rate
64,78432,91416,7185,8635,57321/04/111 0.00 7041149/20/20 41
35,94318,2079,1763,0733,07321/04/112 0.00 7035147/20/20 35
0000028/04/313 189/ 0/ 1
1,00,72751,12125,8948,9368,646
'#' : - Assuming that bonus rate declared by LIC will increase/decrease per year by step rate mentioned above.
'*' : - Assuming LIC will declare the above mentioned bonus rates for the year ended 31-Mar-2011
2.
1.
'%' : - Assumed Growth Rate3.
Medical Requirement Details
Sum at Risk: No19,50,000 Medical by DMR:
FBS, Lipidogram, Elisa for HIV, Hb%
The figures presented in this entire illustration are indicative and solely for the purpose of understanding the possible benefits from the
proposed insurance. The benefits are not guaranteed and the actual results may depend on the future performance of the insurer.
Disclaimer:
5. Sample Report For Demonstration Purpose Only
DATACOMP
205-206, C-Wing, Crystal Plaza,New Link Road,
Andheri(W), Mumbai - 400 053.
Tel: 4060 1000 Fax:4060 1226.
e-mail. support@datacompwebtech.com
Ref. No. 333Magic Mix Illustration for Mr. Akshay Kumar (age 35)
Innovative Forecast of Insurance Benefits
For the Year
PWBCritical Ill.Accident
Additional Cover
Cash Flow
Cash
Value
Loan
Available
Fin. Year
Ending
Risk Cover
(Natural Death) ReturnsPaymentAge
31/03/12 00020,62,919 00-1,00,72701,00,72736
31/03/13 00021,44,442 00-1,00,72701,00,72737
31/03/14 00022,26,995 56,0001,39,711-1,00,72701,00,72738
31/03/15 00023,10,610 1,18,7502,20,976-1,00,72701,00,72739
31/03/16 00023,95,320 1,63,2503,02,745-1,00,72701,00,72740
31/03/17 00024,81,156 2,14,0003,95,209-1,00,72701,00,72741
31/03/18 00025,68,152 2,71,7504,99,482-1,00,72701,00,72742
31/03/19 00026,56,344 3,37,0006,16,908-1,00,72701,00,72743
31/03/20 00027,45,768 4,11,0007,48,838-1,00,72701,00,72744
31/03/21 00028,36,459 4,94,5008,96,708-1,00,72701,00,72745
31/03/22 00029,32,607 5,80,75010,53,649-1,00,72701,00,72746
31/03/23 00030,30,714 6,77,75012,29,075-1,00,72701,00,72747
31/03/24 00031,30,860 7,87,25014,25,630-1,00,72701,00,72748
31/03/25 00032,33,125 9,11,75016,46,411-1,00,72701,00,72749
31/03/26 00033,60,595 10,53,75018,94,916-1,00,72701,00,72750
31/03/27 00034,73,108 12,23,75021,83,772-1,00,72701,00,72751
31/03/28 00035,88,005 14,15,75025,06,970-1,00,72701,00,72752
31/03/29 00037,05,382 16,32,50028,68,470-1,00,72701,00,72753
31/03/30 00038,36,839 18,77,25032,72,603-1,00,72701,00,72754
31/03/31 00040,36,035 20,01,00035,63,799-1,00,72701,00,72755
31/03/32 00036,66,000 3,26,2503,62,59510,73,50021,73,50011,00,00056
31/03/33 00036,66,000 3,41,0003,78,9251,90,7051,90,705057
31/03/34 00036,66,000 3,56,0003,95,6001,90,7051,90,705058
31/03/35 00036,66,000 3,71,2504,12,5041,90,7051,90,705059
31/03/36 00036,66,000 3,86,7504,29,6401,90,7051,90,705060
31/03/37 00036,66,000 4,02,5004,47,1201,90,7051,90,705061
31/03/38 00036,66,000 4,18,2504,64,6001,90,7051,90,705062
31/03/39 00036,66,000 4,34,0004,82,3091,90,7051,90,705063
31/03/40 00036,66,000 4,50,0005,00,1351,90,7051,90,705064
31/03/41 00036,66,000 4,66,2505,18,0741,90,7051,90,705065
31/03/42 00036,66,000 4,82,5005,36,1291,90,7051,90,705066
31/03/43 00036,66,000 4,98,7505,54,0701,90,7051,90,705067
31/03/44 00036,66,000 5,14,7505,72,0101,90,7051,90,705068
31/03/45 00036,66,000 5,31,0005,89,9491,90,7051,90,705069
31/03/46 00036,66,000 5,47,0006,07,7741,90,7051,90,705070
31/03/47 00036,66,000 5,63,0006,25,4841,90,7051,90,705071
31/03/48 00036,66,000 5,78,7506,43,0791,90,7051,90,705072
31/03/49 00036,66,000 5,94,5006,60,4451,90,7051,90,705073
31/03/50 00036,66,000 6,09,7506,77,5791,90,7051,90,705074
31/03/51 00036,66,000 6,25,0006,94,3701,90,7051,90,705075
31/03/52 00036,66,000 6,39,7507,10,9301,90,7051,90,705076
31/03/53 00036,66,000 6,54,5007,27,2601,90,7051,90,705077
31/03/54 00036,66,000 6,68,7507,43,1301,90,7051,90,705078
31/03/55 00036,66,000 6,83,0007,58,7701,90,7051,90,705079
31/03/56 00036,66,000 6,96,5007,73,9501,90,7051,90,705080
31/03/57 00036,66,000 7,09,7507,88,6701,90,7051,90,705081
31/03/58 00036,66,000 7,22,7508,03,0451,90,7051,90,705082
The figures presented in this entire illustration are indicative and solely for the purpose of understanding the possible benefits from the
proposed insurance. The benefits are not guaranteed and the actual results may depend on the future performance of the insurer.
Disclaimer:
6. Sample Report For Demonstration Purpose Only
DATACOMP
205-206, C-Wing, Crystal Plaza,New Link Road,
Andheri(W), Mumbai - 400 053.
Tel: 4060 1000 Fax:4060 1226.
e-mail. support@datacompwebtech.com
Ref. No. 333Magic Mix Illustration for Mr. Akshay Kumar (age 35)
For the Year
PWBCritical Ill.Accident
Additional Cover
Cash Flow
Cash
Value
Loan
Available
Fin. Year
Ending
Risk Cover
(Natural Death) ReturnsPaymentAge
31/03/59 00036,66,000 7,35,2508,16,9601,90,7051,90,705083
31/03/60 00036,66,000 7,47,2508,30,4141,90,7051,90,705084
31/03/61 00036,66,000 7,59,2508,43,5241,90,7051,90,705085
31/03/62 00036,66,000 7,70,5008,56,0601,90,7051,90,705086
31/03/63 00036,66,000 7,81,5008,68,2501,90,7051,90,705087
31/03/64 00036,66,000 7,92,0008,79,9791,90,7051,90,705088
31/03/65 00036,66,000 8,02,5008,91,7101,90,7051,90,705089
31/03/66 00036,66,000 8,12,7509,02,9791,90,7051,90,705090
31/03/67 00036,66,000 8,23,0009,14,4791,90,7051,90,705091
31/03/68 00036,66,000 8,33,2509,25,8651,90,7051,90,705092
31/03/69 00036,66,000 8,43,7509,37,5941,90,7051,90,705093
31/03/70 00036,66,000 8,57,2509,52,5451,90,7051,90,705094
31/03/71 00036,66,000 8,69,0009,65,6551,90,7051,90,705095
31/03/72 00036,66,000 8,91,5009,90,4941,90,7051,90,705096
31/03/73 00036,66,000 9,13,25010,14,7591,90,7051,90,705097
31/03/74 00036,66,000 9,63,50010,70,6491,90,7051,90,705098
31/03/75 00036,66,000 9,99,25011,10,3251,90,7051,90,705099
31/03/76 00036,66,000 001,90,7051,90,7050100
21/04/76 00036,66,000 001,08,7551,08,7550100
31,14,540 75,58,7351,06,73,275
Payment to L.I.C. indicates Annual Premium and /or Advance Premiums
Returns in the Year indicates Normal Cash Flow and /or Cash Flow taken from L.I.C. in installments (Inclusive of Interest).
Explanatory Notes
Annuity Details of Pension Plans
Annuity OptionMd
Annuity
Amount
Purchase
Price
Commuted
AmountNCOAge
Annuity
Start DateTerm/PPTPlan NameId
2 21/04/32 56 Y147 - New Jeevan Suraksha - 1 20/20 14,16,000 0 14,16,000 1,08,755
3 28/04/32 56 Y189 - Jeevan Akshay - VI 0/ 1 11,00,000 0 11,00,000 81,950
Yield on Investments (Pre Tax) : 6.10 %
The figures presented in this entire illustration are indicative and solely for the purpose of understanding the possible benefits from the
proposed insurance. The benefits are not guaranteed and the actual results may depend on the future performance of the insurer.
Disclaimer: