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1. Welcome to the presentation onWelcome to the presentation on
JEEVANJEEVAN
SARALSARAL
an innovative plan with never-beforean innovative plan with never-before
featuresfeatures

2. an innovative plan
with
never-before
features
IntroIntro
IllustrationIllustration
FeaturesFeatures
BenefitsBenefits
 A unique plan – First ofA unique plan – First of
itsits
kindkind
 Only traditional non-Only traditional non-
linkedlinked
insurance plan havinginsurance plan having
provisions for partialprovisions for partial
surrenderssurrenders
 A conventional planA conventional plan
ATTRACTIONSATTRACTIONS

3. an innovative plan
with
never-before
features
IntroIntro
IllustrationIllustration
FeaturesFeatures
BenefitsBenefits
 No surrender penalty after 5No surrender penalty after 5
yearsyears
 Risk cover same for any entryRisk cover same for any entry
age and term and depends onage and term and depends on
the premium onlythe premium only
 Loyalty additionsLoyalty additions
 Option available to keepOption available to keep
policy in force, for reducedpolicy in force, for reduced
premium and benefits, evenpremium and benefits, even
after partial surrender.after partial surrender.
ATTRACTIONSATTRACTIONS

4. an innovative plan
with
never-before
features
IntroIntro
IllustrationIllustration
FeaturesFeatures
BenefitsBenefits
 Easy to understandEasy to understand
 Provides guarantees andProvides guarantees and
smooth return over thesmooth return over the
termterm
 High liquidity andHigh liquidity and
flexibilityflexibility
of termof term

ATTRACTIONS

5. an innovative plan
with
never-before
features
IntroIntro
IllustrationIllustration
FeaturesFeatures
BenefitsBenefits
 Who can avail of this policy ?
Those aged between 12 years (completed)
and
60 years (nearest birthday)
 What are the periods for which risk cover is
available?
Options are available for terms 10 to 35
years.
 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, minimum
premium
payable is Rs. 250 per month.
- For entry age 50 years and above,
minimum
premium payable is Rs. 400 per month
- There is no maximum limit on premium.
FEATURESFEATURES

6. an innovative plan
with
never-before
features
IntroIntro
IllustrationIllustration
FeaturesFeatures
BenefitsBenefits
Following optional riders are available by
payment of additional premium:
 Accidental death and disability benefit
rider
 Term Assurance benefit rider
The maximum cover for the above riders
will be
Rs.25 lakhs under all policies.
The Term Assurance and Accident Benefit
Sums
Assured under the riders will be equal to
or less than
Death Benefit Sum Assured under the
basic plan.
For the term rider, the following conditions
apply :
Entry Age: Between 18 years (comp.) & 50
years
Maximum age at maturity : 60 years
Sum Assured : Between Rs.1 lakh and Rs. 25
lakhs
(including Term Rider taken under all LIC
plans)
FEATURES (Riders)FEATURES (Riders)

7. an innovative plan
with
never-before
features
IntroIntro
IllustrationIllustration
FeaturesFeatures
BenefitsBenefits
After completion of 3 years or more from commencem
provided premiums are paid for at least 3 full years,
partial surrenders are permitted.
Basic premium shall be reduced & surrender value
corresponding to amount by which the basic premiu
is reduced will be paid subject to following condition
¨ Once a partial surrender is made, all benefits under t
policy will get automatically reduced proportionately.
¨ Sum assured under Accident and term rider benefits &
additional premium payable for such benefits will
also get correspondingly reduced, provided reduced ba
annual premium after partial surrender is not less tha
Rs.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 surrende
at a time is Rs.1200/- p.a. & in multiples of Rs.600 p.a
thereafter.
¨ Minimum waiting period of one year is required betwe
two successive surrenders. Partial surrender is allowe
no loan is outstanding. Subject to above conditions,
any number of partial surrenders are permitted.
Partial Surrenders - ExplainedPartial Surrenders - Explained

8. an innovative plan
with
never-before
features
IntroIntro
IllustrationIllustration
FeaturesFeatures
BenefitsBenefits
Death Cover :Death Cover :
250 times the monthly basic premium
+ Return of premiums paid (less FY Premium and
extra / 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 policy
has been in full force for at least 10 years.
 Loyalty additions will also be payable if a death claim
occurs in the 10th year of the policy provided that th
policy is in full force.
 Loyalty additions will be subject to the Corporation’s
experience.
BENEFITSBENEFITS

9. an innovative plan
with
never-before
features
IntroIntro
IllustrationIllustration
FeaturesFeatures
BenefitsBenefits
End
of
year
Total
premium
s paid
till end
of year
Amount payable on surrender or maturity at the end of
year
Guarantee
d
Variable Total
Scenario
1
Scenario
2
Scenari
o 1
Scenario
2
1 4704 0 0 0 0 0
2 9408 0 0 0 0 0
3 14112 8099 0 0 8099 8099
4 18816 12942 0 0 12942 12942
5 23520 18660 0 0 18660 18660
6 28224 23180 0 0 23180 23180
7 32928 27856 0 0 27856 27856
8 37632 32744 0 0 32744 32744
9 42336 37892 0 0 37892 37892
10 47040 43360 7000 18000 50360 61360
Age at entry: 35 years Policy term: 25 years
Mode of premium payment: Yearly
Amount of annual premium: Rs.4704/-
Illustrations

10. an innovative plan
with
never-before
features
IntroIntro
IllustrationIllustration
FeaturesFeatures
BenefitsBenefits
End
of
yea
r
Total
premiums
paid till
end of
year
Amount payable at the end of year on death
during the year
Guaran
teed
Variable Total
Scenario
1
Scenari
o 2
Scenari
o 1
Scenar
io 2
1 4704 100000 0 0 100000
10000
0
2 9408 104800 0 0 104800
10480
0
3 14112 109600 0 0 109600
10960
0
4 18816 114400 0 0 114400
11440
0
5 23520 119200 0 0 119200
11920
0
6 28224 124000 0 0 124000
12400
0
7 32928 128800 0 0 128800
12880
0
Age at entry: 35 years Policy term: 25 years
Mode of premium payment: Yearly
Amount of annual premium: Rs.4704/-
Illustrations

11. an innovative plan
with
never-before
features
IntroIntro
IllustrationIllustration
FeaturesFeatures
BenefitsBenefits
view) life.
 The non-guaranteed benefits (1) and (2) in
above
illustration are calculated so that they are
consistent
with the Projected Investment Rate of Return
assumption of 6% p.a.(Scenario 1) and 10%
p.a.
(Scenario 2) respectively. In preparing this
benefit
illustration, it is assumed that the Projected
Investment Rate of Return that LICI will be
able to
earn throughout the term of the policy will be
6% p.a.
or 10% p.a., as the case may be. The
Projected
Investment Rate of Return is not guaranteed.
 The main objective of the illustration is that
the client
is able to appreciate the features of the
product and the
flow of benefits in different circumstances
with some
level of quantification.
Illustrations- Assumptions andIllustrations- Assumptions and
DisclaimerDisclaimer

12. an innovative plan
with
never-before
features