Mr Majed2

JAMALUDHEEN.

Insurance & Investment Consultant

Jamal Shop,B Block, Shop No. 1, Modi Compound, Ghodupdev Road No.1, Reay Road (w), MumbaiMobile No. : 9869672338 / Tel- 23749692, Email- jamal1628@gmail.com

This Presentation is Prepared for Private Circulation only.

JAMALUDHEEN. V
Insurance & Investment Consultant
Jamal Shop,B Block, Shop No. 1, Modi Compound, Ghodupdev Road No.1, Reay Road (w), MumbaiMobile No. : 9869672338 / Tel- 23749692, Email- jamal1628@gmail.com

Name: Mr Majed2

Age: 29

Date: 12/08/2013

Plan 149: Jeevan Anand

Jeevan Anand is a plan introduced from 1st February, 2002. This plan is a combination of the Whole
life plan and the most popular Endowment Assurance Plan.The plan provides the pre-decided Sum
Assured and Bonuses at the end of the stipulated premium paying term,but the risk cover on the
life continues till death. The premium is paid till the premium paying term or till the death of
the life assured, whichever is earlier.

Features
1.

Being a whole life cum endowment plan, the premium payment is limited to the selected
term, but the risk cover continues till death of the life assured.
2. Maturity Benefit : At the end of Premium Paying Term, Sum Assured plus Bonus is
payable with Final Additional Bonus if any.
3. Death Benefit
:
(A) If death occurs after the premium paying term an additional amount equal
to Sum Assured is payable & no Bonus is payable.
(B) If death occurs before the Premium Paying Term, Sum Assured plus accumulated Bonus
is payable.
4. Double Accident Benefit :- On death due to accident extra sum assured would be payable.
5. Permanent Disablity Benefit :- In case of disablity due to accident following would be payable.
* Future premiums are waived.
* Annuity for next 10 years = SA / 120. payable monthly.
* Insurance cover continues and maturity would be payable after completion of term .
6. Bonuses: Simple Reversionary Bonus accrues during the PPT and is payable at the end
of the PPT or on earlier death along with Final Additional Bonus, if any. No Bonus is paid on death
after the PPT.
7. This policy provides for a built-in DAB (without paying any additional premium), during
the PPT and then up to age 70 yrs of age of the LA.
The maximum Accident Benefit allowed under this plan is Rs. 5 lacs (exclusive limit)
8. Critical Illness Rider Benefit is available. Covering Heart Attack, Stroke, Cancer, Kidney Failure,
Major Organ Transplant, Paralysis, 3rd Degree Burns, Blindness, Coronary Artery By-Pass Surgery
Heart Valve Replacement or Repair, Aorta Graft Surgery. This benefit is available at extra cost.
9. Loan can be taken against this policy.
10. Backdating of policy is allowed.
11.
Housing loan can be taken against this policy.
12. Policy can be surrendered for its paid-up value after a period of 3 years.

This Presentation is Prepared for Private Circulation only.

You can't sip soup with a knife

JAMALUDHEEN. V
Insurance & Investment Consultant
Jamal Shop,B Block, Shop No. 1, Modi Compound, Ghodupdev Road No.1, Reay Road (w), MumbaiMobile No. : 9869672338 / Tel- 23749692, Email- jamal1628@gmail.com

Name: Mr Majed2

Age: 29

Date: 12/08/2013

Presentation Details
Plan

Plan Name

149

Jeevan Anand

Term /
PPT

Sum
Assured

Bonus

Mode

*Premium

Total
Prem's Paid

Maturity
Year

Maturity
Amount

21/21

500000

47

Yly

25804

541884

2034

1043500

25804

541884

Total :

500000

Note: The above Statements are based on certain assumptions, which are liable to change according to Government / Corporation's Policies.
* Rider Premiums are included in Premium.
* NI is number of installments.

Rider Details
Plan

149

Term

21

PPT

21

Rider Name

Rider Sum

Rider
Term

Rider
Premium

Total Prem's
Paid

500000

21

Double Accident Benefit

Total :

Agents Copy
Sr. DOC
No.

Pn / Tm /
PPT

Sum
Assured

1 12/08/2013 149/21/21 500000

Mode
Yearly

Half Yearly

Quaterly

Monthly

25804

13107

6656

2333

2219

25804

13107

6656

2333

2219

This Presentation is Prepared for Private Circulation only.

When your work speaks for itself, don't interrupt

SSS/ECS

Single

Per Day

70.70
71

No of
Inst.

JAMALUDHEEN. V
Insurance & Investment Consultant
Jamal Shop,B Block, Shop No. 1, Modi Compound, Ghodupdev Road No.1, Reay Road (w), MumbaiMobile No. : 9869672338 / Tel- 23749692, Email- jamal1628@gmail.com

Name: Mr Majed2

Age: 29

Date: 12/08/2013

Nobody Plans to Fail

They Just Fail to Plan
Investment CASH FLOW

Tax Slab: 20%

Year

Age

Normal
Lifecover

Accident
Lifecover

Annual
Premium

Tax
Saved

Net
Premium

Returns
from LIC

Net Returns

Surrender
Value

Total Loan
Available

2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
2027
2028
2029
2030
2031
2032
2033
2034
2035
2036
2037
2038
2039
2040
2041
2042
2043
2044
2045
2046
2047
2048
2049
2050
2051
2052
2053
2054
2055
2056

29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72

523500
547000
570500
594000
617500
641000
664500
688000
711500
735000
758500
782000
805500
829000
862500
888500
914500
940500
971500
1005000
1043500
500000
500000
500000
500000
500000
500000
500000
500000
500000
500000
500000
500000
500000
500000
500000
500000
500000
500000
500000
500000
500000
500000
500000

1023500
1047000
1070500
1094000
1117500
1141000
1164500
1188000
1211500
1235000
1258500
1282000
1305500
1329000
1362500
1388500
1414500
1440500
1471500
1505000
1543500
1000000
1000000
1000000
1000000
1000000
1000000
1000000
1000000
1000000
1000000
1000000
1000000
1000000
1000000
1000000
1000000
1000000
1000000
1000000
1000000
500000
500000
500000

25804
25804
25804
25804
25804
25804
25804
25804
25804
25804
25804
25804
25804
25804
25804
25804
25804
25804
25804
25804
25804
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

5161
5161
5161
5161
5161
5161
5161
5161
5161
5161
5161
5161
5161
5161
5161
5161
5161
5161
5161
5161
5161
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

20643
20643
20643
20643
20643
20643
20643
20643
20643
20643
20643
20643
20643
20643
20643
20643
20643
20643
20643
20643
20643
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1043500
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

-20643
-20643
-20643
-20643
-20643
-20643
-20643
-20643
-20643
-20643
-20643
-20643
-20643
-20643
-20643
-20643
-20643
-20643
-20643
-20643
-20643
1043500
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
21177
48743
67259
88329
112258
139359
169966
204528
243403
287175
331597
381602
438032
502104
575038
662897
761914
873602
999322
118200
124350
130700
136200
143850
150700
157650
164750
172000
179350
186800
194400
202000
209700
217450
225150
233100
240900
248700
256500
264250
271950
279600

0
0
19059
43868
60534
79496
101033
125423
152970
184075
219063
258457
298437
343442
394229
451893
517534
596607
685723
786242
899390
106380
111915
117630
122580
129465
135630
141885
148275
154800
161415
168120
174960
181800
188730
195705
202635
209790
216810
223830
230850
237825
244755
251640

This Presentation is Prepared for Private Circulation only.

Those we hurt the most are often those we love the most

JAMALUDHEEN. V
Insurance & Investment Consultant
Jamal Shop,B Block, Shop No. 1, Modi Compound, Ghodupdev Road No.1, Reay Road (w), MumbaiMobile No. : 9869672338 / Tel- 23749692, Email- jamal1628@gmail.com

Name: Mr Majed2

2057
2058
2059
2060
2061
2062
2063
2064
2065
2066
2067
2068
2069
2070
2071
2072
2073
2074
2075
2076
2077
2078
2079
2080
2081
2082
2083
2084
Total
Note: (1)
(2)
(3)
(4)

73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100

500000
500000
500000
500000
500000
500000
500000
500000
500000
500000
500000
500000
500000
500000
500000
500000
500000
500000
500000
500000
500000
500000
500000
500000
500000
500000
500000
0

Age: 29

500000
500000
500000
500000
500000
500000
500000
500000
500000
500000
500000
500000
500000
500000
500000
500000
500000
500000
500000
500000
500000
500000
500000
500000
500000
500000
500000
0

Date: 12/08/2013

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
500000

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
500000

541884

108381

433503

1543500

1109997

287150
294600
301900
309100
316200
323100
329900
336500
342900
349150
355200
361050
366750
372200
377500
382600
387700
392600
397600
402550
407650
414150
419850
430650
441200
465500
470000
0

The above Statements are based on certain assumptions, which are liable to change according to Government / Corporation's Policies.
Calculation includes Bonus and Final Additional Bonus as per present Rates.
* Available Total Money.
we are showing annual returns. in case of payment in arrears, half yearly installmant starts 6 months after maturity and yearly installment
starts 1 year after maturity. in case of payment in advance, yearly and half yearly installments starts immediately from
Please refer circular no: Actl / 2015 / 4 for details about settlement options.

(*) The above illustration gives an effective yield of 7.51% with tax benefit.
(*) The above illustration gives an effective yield of 5.84% without tax benefit.

This Presentation is Prepared for Private Circulation only.

The greatest failure is the failure to try

258435
265140
271710
278190
284580
290790
296910
302850
308610
314235
319680
324945
330075
334980
339750
344340
348930
353340
357840
362295
366885
372735
377865
387585
397080
418950
423000
0

maturity date.

JAMALUDHEEN. V
Insurance & Investment Consultant
Jamal Shop,B Block, Shop No. 1, Modi Compound, Ghodupdev Road No.1, Reay Road (w), MumbaiMobile No. : 9869672338 / Tel- 23749692, Email- jamal1628@gmail.com

Name: Mr Majed2

Age: 29

Date: 12/08/2013

Yield on RiskCover

The following table calculates yield of riskcover for each year. Riskcover is considered as return for respective year.
Number of premium is limited and handsome amount is payable so the yield becomes high. Yield for each year is
shown in following table.

This Presentation shows Average Yield : 70 %

Year

Annual
Premium

RiskCover

1928.76

2048

500000

6.99

1919.83

2049

500000

6.92

570500

312.16

2050

500000

6.86

594000

140.15

2051

500000

6.79

25804

617500

84.03

2052

500000

6.73

25804

641000

57.56

2053

500000

6.68

2019

25804

664500

42.54

2054

500000

6.63

2020

25804

688000

33.02

2055

500000

6.58

2021

25804

711500

26.54

2056

500000

6.53

2022

25804

735000

21.88

2057

500000

6.48

2023

25804

758500

18.39

2058

500000

6.44

2024

25804

782000

15.71

2059

500000

6.40

2025

25804

805500

13.59

2060

500000

6.36

2026

25804

829000

11.89

2061

500000

6.33

2027

25804

862500

10.64

2062

500000

6.29

2028

25804

888500

9.50

2063

500000

6.26

2029

25804

914500

8.54

2064

500000

6.23

2030

25804

940500

7.72

2065

500000

6.20

2031

25804

971500

7.07

2066

500000

6.17

2032

25804

1005000

6.53

2067

500000

6.14

2033

25804

1043500

6.10

2068

500000

6.12

2034

500000

1043500

8.74

2069

500000

6.09

2035

500000

8.53

2070

500000

6.07

2036

500000

8.35

2071

500000

6.05

2037

500000

8.18

2072

500000

6.03

2038

500000

8.03

2073

500000

6.01

2039

500000

7.89

2074

500000

5.99

2040

500000

7.76

2075

500000

5.97

2041

500000

7.64

2076

500000

5.95

2042

500000

7.53

2077

500000

5.94

2043

500000

7.42

2078

500000

5.92

2044

500000

7.32

2079

500000

5.91

2045

500000

7.23

2080

500000

5.89

2046

500000

7.15

2081

500000

5.88

2047

500000

7.07

2082

500000

5.87

Year

Annual
Premium

RiskCover

Returns

2013

25804

523500

2014

25804

547000

2015

25804

2016

25804

2017
2018

Yield

This Presentation is Prepared for Private Circulation only.

People are lonely they build walls instead of bridges

Returns

Yield

JAMALUDHEEN. V
Insurance & Investment Consultant
Jamal Shop,B Block, Shop No. 1, Modi Compound, Ghodupdev Road No.1, Reay Road (w), MumbaiMobile No. : 9869672338 / Tel- 23749692, Email- jamal1628@gmail.com

Name: Mr Majed2

Age: 29

2083

500000

5.85

2084

500000

5.84

Date: 12/08/2013

FAB
Breakup of Returns
Sum Assured & Survival's
Bonus
Final Additional Bonus

4.79%

500000
493500
50000

47.92%

Bonus

47.29%

This Presentation is Prepared for Private Circulation only.

Life is the first gift, love is the second, and understanding the third

Sum
Assured