The document outlines details of a life insurance plan for Kamlesh Gurbuxani including: - 10 policies each with a sum assured of Rs. 5,00,000 and annual premium of Rs. 19,673 taken at age 30. - A table showing how the risk cover, annual premiums, returns from LIC and loan availability change annually over the 70 year term of the policies. - Key benefits include a maximum loan amount of Rs. 75.5 lakhs and maturity benefit of Rs. 1.51 crores at the end of the term.

1. KAMLESH GURBUXANI
Age 30 Ys
G.S.T. Maturity
Amount
Bonus /
G.A*
Plan Name of Plan Term Sum Assured
Mode Premium
Date of
Commence
Accident
Benefit
Presentation Details
PPT
SNo
845 Jeevan Umang 70 5,00,000
Yly 19,673
5,00,000 43.0
21/08/2017 25
1 885 56,31,250
845 Jeevan Umang 70 5,00,000
Yly 19,673
5,00,000 43.0
21/08/2017 25
2 885 56,31,250
845 Jeevan Umang 70 5,00,000
Yly 19,673
5,00,000 43.0
21/08/2017 25
3 885 56,31,250
845 Jeevan Umang 70 5,00,000
Yly 19,673
5,00,000 43.0
21/08/2017 25
4 885 56,31,250
845 Jeevan Umang 70 5,00,000
Yly 19,673
5,00,000 43.0
21/08/2017 25
5 885 56,31,250
845 Jeevan Umang 70 5,00,000
Yly 19,673
5,00,000 43.0
21/08/2017 25
6 885 56,31,250
845 Jeevan Umang 70 5,00,000
Yly 19,673
5,00,000 43.0
21/08/2017 25
7 885 56,31,250
845 Jeevan Umang 70 5,00,000
Yly 19,673
5,00,000 43.0
21/08/2017 25
8 885 56,31,250
845 Jeevan Umang 70 5,00,000
Yly 19,673
5,00,000 43.0
21/08/2017 25
9 885 56,31,250
845 Jeevan Umang 70 5,00,000
Yly 19,673
5,00,000 43.0
21/08/2017 25
10 885 56,31,250
Total 50,00,000 50,00,000 1,96,730 8,850 5,63,12,500
Date Age Risk Cover Annual
Premium
Tax Saved Nett.
Premium
Returns From
LIC
*Total Loan
Available
Normal Accident
*Surrender
Value
Annual Premium, Risk Cover & Loan Availability Table*
The below table shows the Annual Premium Paid, Risk Cover, Returns & Loan Availability at the end of each year. The Tax saved is
calculated @ 30.90%
21/08/2017 30 52,15,000 1,02,15,000 2,05,580 46,350 1,59,230 0 0
0
21/08/2018 31 54,30,000 1,04,30,000 2,01,160 46,350 1,54,810 0 0
0
21/08/2019 32 56,45,000 1,06,45,000 2,01,160 46,350 1,54,810 0 1,55,000
1,71,660
21/08/2020 33 58,60,000 1,08,60,000 2,01,160 46,350 1,54,810 0 4,15,000
4,89,390
21/08/2021 34 60,75,000 1,10,75,000 2,01,160 46,350 1,54,810 0 5,30,000
6,15,390
21/08/2022 35 62,90,000 1,12,90,000 2,01,160 46,350 1,54,810 0 6,42,500
7,42,860
21/08/2023 36 65,05,000 1,15,05,000 2,01,160 46,350 1,54,810 0 7,57,500
8,71,780
21/08/2024 37 67,20,000 1,17,20,000 2,01,160 46,350 1,54,810 0 8,85,000
10,12,090
21/08/2025 38 69,35,000 1,19,35,000 2,01,160 46,350 1,54,810 0 10,12,500
11,56,170
21/08/2026 39 71,50,000 1,21,50,000 2,01,160 46,350 1,54,810 0 11,45,000
13,04,340
21/08/2027 40 73,65,000 1,23,65,000 2,01,160 46,350 1,54,810 0 12,90,000
15,02,800
21/08/2028 41 75,80,000 1,25,80,000 2,01,160 46,350 1,54,810 0 15,20,000
17,63,920
21/08/2029 42 77,95,000 1,27,95,000 2,01,160 46,350 1,54,810 0 17,75,000
20,55,500
21/08/2030 43 80,10,000 1,30,10,000 2,01,160 46,350 1,54,810 0 20,62,500
23,80,940
21/08/2031 44 82,75,000 1,32,75,000 2,01,160 46,350 1,54,810 0 23,85,000
27,44,600
21/08/2032 45 85,05,000 1,35,05,000 2,01,160 46,350 1,54,810 0 27,42,500
31,49,350
21/08/2033 46 87,30,000 1,37,30,000 2,01,160 46,350 1,54,810 0 30,92,500
35,45,140
21/08/2034 47 89,60,000 1,39,60,000 2,01,160 46,350 1,54,810 0 34,87,500
39,88,980
21/08/2035 48 92,10,000 1,42,10,000 2,01,160 46,350 1,54,810 0 39,30,000
44,90,510
21/08/2036 49 94,75,000 1,44,75,000 2,01,160 46,350 1,54,810 0 44,35,000
50,58,850
21/08/2037 50 97,65,000 1,47,65,000 2,01,160 46,350 1,54,810 0 50,10,000
57,07,450
21/08/2038 51 1,01,05,000 1,51,05,000 2,01,160 46,350 1,54,810 0 56,92,500
64,77,740
21/08/2039 52 1,05,70,000 1,55,70,000 2,01,160 46,350 1,54,810 0 61,55,000
69,96,480
21/08/2040 53 1,10,35,000 1,60,35,000 2,01,160 46,350 1,54,810 0 66,50,000
75,50,680
21/08/2041 54 1,15,00,000 1,65,00,000 2,01,160 46,350 1,54,810 0 75,50,000
85,66,640
21/08/2042 55 1,18,57,500 1,68,57,500 0 0 0 14,35,000 21,05,000
1,03,50,000
21/08/2043 56 1,10,38,500 1,55,38,500 0 0 0 3,60,000 18,94,500
96,04,575
21/08/2044 57 1,14,05,250 1,59,05,250 0 0 0 3,60,000 18,94,500
99,34,650
21/08/2045 58 1,17,72,000 1,62,72,000 0 0 0 3,60,000 18,94,500
1,02,64,725
21/08/2046 59 1,22,96,250 1,67,96,250 0 0 0 3,60,000 18,94,500
1,05,94,800
21/08/2047 60 1,28,43,000 1,73,43,000 0 0 0 15,89,625 18,94,500
1,10,66,625
21/08/2048 61 1,20,02,000 1,60,02,000 0 0 0 3,20,000 16,84,000
1,02,74,400
21/08/2049 62 1,25,88,000 1,65,88,000 0 0 0 3,20,000 16,84,000
1,08,01,800
21/08/2050 63 1,31,74,000 1,71,74,000 0 0 0 3,20,000 16,84,000
1,13,29,200
Insure and be secure
Life Insurance For Security And Peace Of Mind
Page 3

2. KAMLESH GURBUXANI
Age 30 Ys
Date Age Risk Cover Annual
Premium
Tax Saved Nett.
Premium
Returns From
LIC
*Total Loan
Available
Normal Accident
*Surrender
Value
Annual Premium, Risk Cover & Loan Availability Table*
The below table shows the Annual Premium Paid, Risk Cover, Returns & Loan Availability at the end of each year. The Tax saved is
calculated @ 30.90%
21/08/2051 64 1,37,60,000 1,77,60,000 0 0 0 3,20,000 16,84,000
1,18,56,600
21/08/2052 65 1,43,46,000 1,83,46,000 0 0 0 18,68,000 16,84,000
1,23,84,000
21/08/2053 66 1,30,65,500 1,65,65,500 0 0 0 2,80,000 14,73,500
1,12,97,475
21/08/2054 67 1,35,78,250 1,70,78,250 0 0 0 2,80,000 14,73,500
1,17,58,950
21/08/2055 68 1,40,91,000 1,75,91,000 0 0 0 2,80,000 14,73,500
1,22,20,425
21/08/2056 69 1,46,03,750 1,81,03,750 0 0 0 2,80,000 14,73,500
1,26,81,900
21/08/2057 70 1,51,51,500 1,86,51,500 0 0 0 21,57,625 14,73,500
1,31,43,375
21/08/2058 71 1,34,71,500 1,34,71,500 0 0 0 2,40,000 12,63,000
1,16,88,300
21/08/2059 72 1,39,56,000 1,39,56,000 0 0 0 2,40,000 12,63,000
1,21,24,350
21/08/2060 73 1,45,00,500 1,45,00,500 0 0 0 2,40,000 12,63,000
1,25,60,400
21/08/2061 74 1,50,45,000 1,50,45,000 0 0 0 2,40,000 12,63,000
1,30,50,450
21/08/2062 75 1,55,89,500 1,55,89,500 0 0 0 24,96,750 12,63,000
1,35,40,500
21/08/2063 76 1,34,95,000 1,34,95,000 0 0 0 2,00,000 10,52,500
1,16,92,125
21/08/2064 77 1,39,98,750 1,39,98,750 0 0 0 2,00,000 10,52,500
1,21,45,500
21/08/2065 78 1,45,27,500 1,45,27,500 0 0 0 2,00,000 10,52,500
1,25,98,875
21/08/2066 79 1,50,56,250 1,50,56,250 0 0 0 2,00,000 10,52,500
1,30,74,750
21/08/2067 80 1,56,10,000 1,56,10,000 0 0 0 29,10,125 10,52,500
1,35,50,625
21/08/2068 81 1,29,51,000 1,29,51,000 0 0 0 1,60,000 8,42,000
1,12,39,200
21/08/2069 82 1,34,34,000 1,34,34,000 0 0 0 1,60,000 8,42,000
1,16,55,900
21/08/2070 83 1,39,17,000 1,39,17,000 0 0 0 1,60,000 8,42,000
1,20,90,600
21/08/2071 84 1,44,20,000 1,44,20,000 0 0 0 1,60,000 8,42,000
1,25,25,300
21/08/2072 85 1,49,23,000 1,49,23,000 0 0 0 34,04,500 8,42,000
1,29,78,000
21/08/2073 86 1,15,84,500 1,15,84,500 0 0 0 1,20,000 6,31,500
1,00,73,025
21/08/2074 87 1,19,76,750 1,19,76,750 0 0 0 1,20,000 6,31,500
1,04,26,050
21/08/2075 88 1,23,69,000 1,23,69,000 0 0 0 1,20,000 6,31,500
1,07,79,075
21/08/2076 89 1,27,76,250 1,27,76,250 0 0 0 1,20,000 6,31,500
1,11,32,100
21/08/2077 90 1,31,83,500 1,31,83,500 0 0 0 39,52,875 6,31,500
1,14,98,625
21/08/2078 91 90,70,500 90,70,500 0 0 0 80,000 4,21,000
79,10,100
21/08/2079 92 93,42,000 93,42,000 0 0 0 80,000 4,21,000
81,63,450
21/08/2080 93 96,23,500 96,23,500 0 0 0 80,000 4,21,000
84,07,800
21/08/2081 94 99,05,000 99,05,000 0 0 0 80,000 4,21,000
86,61,150
21/08/2082 95 1,01,76,500 1,01,76,500 0 0 0 45,37,250 4,21,000
89,14,500
21/08/2083 96 52,29,000 52,29,000 0 0 0 40,000 2,10,500
45,79,425
21/08/2084 97 53,64,750 53,64,750 0 0 0 40,000 2,10,500
47,06,100
21/08/2085 98 55,00,500 55,00,500 0 0 0 40,000 2,10,500
48,28,275
21/08/2086 99 56,31,250 56,31,250 0 0 0 40,000 2,10,500
49,50,450
21/08/2087 100 0 0 0 0 0 56,31,250 0
0
Total
*Liable to change as per government policy. This benefit illustration is for illustration purpose only, subject to payment of stipulated
premiums on the due dates. The 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.
3,71,83,000
38,74,670
11,58,750
50,33,420
*Surrender / Loan Value are calculated at the end of the policy year.
Premium includes G.S.T. 1st Year G.S.T. is 4.5% & thereafter 2.25%
Death is sure, but time is uncertain Page 4