PLANING FOR RETIREMENT WITH HIGH RETURN WITH O % RISK AND SUFFICIENT LIFE COVERAGE & 100 % TAX FREE RETURNS

1. Retire and
Enjoy

2. What is Retirement?
• Unproductive – No more income.
• 365 Days of Holidays.
• Too Much Of Time.
• Health Problems.
• Little Confidence & Strength.
• The way we live our retirement will show how we have lived
our productive life.
• Retirement is the climax of life, with proper planning we can
make it a happy ending else ???????

3. Population Study
Advanced medical science which created the
consciousness for health has improved the life
expectancy of an average Indian (78 yrs).
How to lead life in peace after retirement (45 or
60) ?
Cost of medicines increasing but money is
loosing its value ;the ratio is nearly six times
The joint family system is already broken.
Longevity of female life has been increased as
compared to male life by five years.

4. Living costs will increase dramatically
over the next 20 years
Item Cost(1992)
In Rs.
Cost(today)
In Rs.
%
Increase
Projected cost
in 2015(at
same rate of
inflation)
1 kg
potato
1.50 25.00 1666% 60
1 ltr
petrol
17.00 72.00 423% 150
These are only indicative costs are are only meant for
illustration
Spending 10000 now may see you spending Rs 25000 in
35 years. Will your retirement income be able to cover it?

5. Retirement Needs:
1) Need for money does not stop after retirement.
Very small percentage of working class actually has
pension plan. Majority of them are from govt.
institutions.
ARE YOU ONE AMONG
THEM?
IF YOUR ANSWER IS
NO.
THEN THIS
PRESENTATION IS JUST
FOR YOU!!!

6. 2) Increase in life expectancy/longevity due to
advances in technology in medical field has made
sure for a majority of people like us that we live well
beyond our age of active service
Or earning age, hence the need
To have a retirement plan in place

7. 3) Our commitments like children’s education, marriage,
having an own house take a large chunk of our income, hence
the need to have a retirement plan in place when we are
young

8. 4) Bitter fact of life: Only those retired people are
respected and taken care of by their family and
friends, who have money as well as proper
retirement plan in place.
Do you have one?
THIS IS A MATTER OF
SELF-RESPECT!

9. 5) Most of the young think that retirement plans are for those at an
advanced age and there is a lot of time for them to retire and are
happy postponing their retirement plan.
A) We indulge in spending for comforts and unplanned expenses.
B) We are imitating western countries in spending habits but missing
on vital point that all the advanced countries have social security
plans for their citizens which take care of their medical as well as
retirement needs, while we living in India have to make our own
arrangements otherwise we will have to depend on children or others

10. Alas time doesn’t wait for anyone!!!

11. THIS IS THE RIGHT TIME TO PLAN FOR
YOUR RETIREMENT SOLUTION- YOUR
PASSPORT TO SELF-RESPECT

12. WE FROM NO.1 LIFE INSURER IN INDIA i.e LIC OF INDIA, PRESENT TO YOU A
SOLUTION WHICH NOT ONLY GIVES YOU PERIODIC RETURNS LIKE PENSION
BUT ALSO PROVIDES SECURITY TO YOUR HARD EARNED MONEY AND THAT
TOO TAX FREE AND HANDSOME RETURN ON INVESTMENT

13. OUR RETIRE AND ENJOY PACKAGE ENSURES THAT YOUR INVESTMENTS
ARE RISK FREE AND MAKES YOU TENSION FREE, THIS IN TURN KEEPS YOU
HEALTHY AND TO CONCENTRATE ON YOUR JOB WITHOUT WORRIES.
LIC OF INDIA IS THE LARGEST FINANCIAL INSTITUTION AND IS TOTALLY
OWNED BY GOVT.OF INDIA AND ALL POLICIES ARE GUARANTEED BY
GOVT. OF INDIA. HENCE YOU GET THE MAXIMUM SECURITY FOR YOUR
INVESTED MONEY ALONG WITH LIFE INSURANCE COVERAGE.
WE
ENCOURAGE
YOU TO RETIRE
AND ENJOY

14. Retirement Status
Source - Department of Health & Human Sciences.
• 54 are dependent on their children or old age homes.
• 36 have died.
• 5 are still working for their bread & butter.
• 4 are independent managing their retirement.
• 1 is wealthy.
Start Now Its better being SAFE than SORRY.

15. Life Insurance helps you in securing both
living too long and living too short.

16. BENEFITS
OF
RETIRE AND ENJOY

17. విశ్రార్రా౦త జీవనానికి
విలువైైన నేస్త్రా౦
రిటైైర్రా& ఎ౦జాయ్రాపాయ్రాకేజ
‘కలప్రాతరువు' లా ఇస్ుత్రా౦ది
స్మస్త్రా౦

18. PACKAGE SALES
1)Increase in longevity
2)Increase in Expenses
3)Increase dependence
Financial
Health
Care Takers
LIVE RICH – DIE RICH

19. PURPOSE OF PACKAGE
POLICY
To Provide
Regular Income
Happy retire life
Happy independent life
Financial security
Guaranteed returns
Tax Free Income

20. ADVANTAGES OF PACKAGE
POLICY
Low premium (in comparison with
Single Policy)
Higher Returns (Higher FAB)
Premium payment flexibility
Own funds
Adjustments from MC Proceeds
High rate of Final Additional Bonus
High risk coverage
Tax exemption

21. PACKAGE POLICY BENEFITS
TO THE CUSTOMERShort term premium payments
Long term regular returns
Lesser the premium (on S.A.)
Higher the risk cover
Guaranteed returns for longer period
High rate of Final Addl. Bonues
Liquidity
Tax free returns

22. DIFFERENCE INSINGLE POLICY
& PACKAGE POLICY
• High premium
• Low returns
• Low FAB
• Low premium
• High returns
• Premium payment flexibility. Half
payment from pocket/another
half from MC proceedings
• High rate of FAB
• High Risk cover
• Tax exemption
• Short term premium payment
• Long term returns (guaranteed
returns)
• Liquidity