Mast Ayush Mohan Nikam

Deepali Deepak Sawant

Insurance Advisor
Flat No 201, Palmyra Complex, Nheru Nagar, Pimpri Pune-411018
Mobile-9762340061/9975698437, Email-dvs5352@gmail.com

This Presentation is Prepared for Private Circulation only.

Deepali Deepak Sawant

Insurance Advisor
Flat No 201, Palmyra Complex, Nheru Nagar, Pimpri Pune-411018
Mobile-9762340061/9975698437, Email-dvs5352@gmail.com
Name: Mast Ayush Mohan Nikam

Age: 9

Date: 21/12/2013

Plan 178: Jeevan Tarang

This plan is a whole of life plan, which provides for annual survival benefit at a rate of 5.5 % of Sum
Assured for
life time after the chosen Accumulation Period. The vested simple reverionary bonuses will be payable
in one lump
sum on survival to the end of selected Accumulation Period. This plan matures at an age of 100 years.
In case the
policy holder survives the term of the policy, Sum Assured plus loyalty additions is paid, provided the
policy is
in full force. The loyalty addition will depend on the experience of the Corporation with regard to
mortality,
interest and expense based on the term and duration of the policy. This plan have features of all types
of plans
like Endowment, Money Back, Ltd Payment & Annuity so client can fulfill any requirement with this
plan.

Features
1. This policy provides for a annual survival benefit at a rate of 5.5 % of Sum Assured for life time
after
the chosen Accumulation Period. Accumulation Period can be 10, 15 or 20 years. The vested simple
reverionary bonuses will be payable in one lump sum on survival to the end of selected
Accumulation Period.
2. Maturity Benefit : Sum Assured + Loyalty Addition, if any. This plan matures on survival of
life assured to the policy anniversary coinciding with or immediately following the completion of 100
years of age.
3. Death Benefit : During Accumulation Period, The nominee gets an amount equal to Sum Assured
plus accrued bonuses. After Accumulation Period, Sum Assured + Loyalty Addition, if any.
4. Double Accident Benefit :- On death due to accident extra sum assured would be payable.
All riders are payable during Accumulation Period only.
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. Term Rider Benefit is available for extra risk cover on death. This benefit is available at extra
premium.
7. 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 premium.
8. Loan can be taken against this policy.
9. Housing loan can be taken against this policy.
10. Policy can be assigned as security in bank, housing co. or any financial institute.
11.
Backdating of policy is allowed.
12.
Policy can be surrendered for its paid-up value after a period of 3 years ( for regular premium ).
Policy can be surrendered for its paid-up value after a period of 1 year ( for single premium ).

This Presentation is Prepared for Private Circulation only.

You can't sip soup with a knife

Deepali Deepak Sawant

Insurance Advisor
Flat No 201, Palmyra Complex, Nheru Nagar, Pimpri Pune-411018
Mobile-9762340061/9975698437, Email-dvs5352@gmail.com
Name: Mast Ayush Mohan Nikam

Age: 9

Date: 21/12/2013

Presentation Details
Plan

Plan Name

Term /
PPT

Sum
Assured

Bonus

Mode

*Premium

Total
Prem's Paid

Maturity
Year

Maturity
Amount

178

Jeevan Tarang

15/15

500000

46

SSS

2881

518580

2028

345000

178

Jeevan Tarang

20/20

500000

48

SSS

2052

492480

2033

480000

178

Jeevan Tarang

10/10

500000

46

SSS

4452

534240

2023

230000

9385

1545300

Total :

1500000

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.
The Loyalty Addition for Plan 178 is 0

Agents Copy
Sr. DOC
No.

Pn / Tm /
PPT

Sum
Assured

3 21/12/2013 178/10/10 500000

1 21/12/2013 178/15/15 500000
2 21/12/2013 178/20/20 500000

Mode
Yearly

Half Yearly

Quaterly

52334
33861
24110

26440
17109
12184

13356
8644
6156

4679
3030
2159

Monthly

4452
2881
2052

110305

55733

28156

9868

9385

This Presentation is Prepared for Private Circulation only.

When your work speaks for itself, don't interrupt

SSS/ECS

Single

Per Day

371750
315750
267750

143.38
92.77
66.05
302

No of
Inst.

0
0
0

Deepali Deepak Sawant

Insurance Advisor
Flat No 201, Palmyra Complex, Nheru Nagar, Pimpri Pune-411018
Mobile-9762340061/9975698437, Email-dvs5352@gmail.com
Name: Mast Ayush Mohan Nikam

Age: 9

Date: 21/12/2013

Nobody Plans to Fail

They Just Fail to Plan
Investment CASH FLOW

Tax Slab: 10%

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

9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52

112620
225240
1710000
1780000
1850000
1920000
1990000
2060000
2130000
2200000
2017000
2064000
2111000
2158000
2205000
1884000
1908000
1932000
1956000
1980000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000

112620
225240
1710000
1780000
1850000
1920000
1990000
2060000
2130000
2200000
2017000
2064000
2111000
2158000
2205000
1884000
1908000
1932000
1956000
1980000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000

112620
112620
112620
112620
112620
112620
112620
112620
112620
112620
59196
59196
59196
59196
59196
24624
24624
24624
24624
24624
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

9999
9999
9999
9999
9999
9999
9999
9999
9999
9999
5919
5919
5919
5919
5919
2462
2462
2462
2462
2462
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

102621
102621
102621
102621
102621
102621
102621
102621
102621
102621
53277
53277
53277
53277
53277
22162
22162
22162
22162
22162
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
230000
27500
27500
27500
27500
372500
55000
55000
55000
55000
535000
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500

-102621
-102621
-102621
-102621
-102621
-102621
-102621
-102621
-102621
-102621
176723
-25777
-25777
-25777
-25777
350338
32838
32838
32838
32838
535000
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500

0
0
127863
265686
364535
477684
606752
753976
922026
1113762
1080469
1194175
1313255
1469307
1635466
1396128
1474714
1563491
1663785
1777034
1350000
1350000
1350000
1350000
1350000
1350000
1350000
1350000
1350000
1350000
1350000
1350000
1350000
1350000
1350000
1350000
1350000
1350000
1350000
1350000
1350000
1350000
1350000
1350000

0
0
0
0
0
0
0
0
0
1002386
972422
1074758
1181929
1322376
1471920
1256515
1327242
1407142
1497406
1599331
1215000
1215000
1215000
1215000
1215000
1215000
1215000
1215000
1215000
1215000
1215000
1215000
1215000
1215000
1215000
1215000
1215000
1215000
1215000
1215000
1215000
1215000
1215000
1215000

This Presentation is Prepared for Private Circulation only.

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

Deepali Deepak Sawant

Insurance Advisor
Flat No 201, Palmyra Complex, Nheru Nagar, Pimpri Pune-411018
Mobile-9762340061/9975698437, Email-dvs5352@gmail.com
Name: Mast Ayush Mohan Nikam

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
2085
2086
2087
2088
2089
2090
2091
2092
2093
2094
2095
2096
2097
2098
2099
2100
2101
2102
2103
2104
Total

53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
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

1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000

1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000
1500000

Age: 9

Date: 21/12/2013

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
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

82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
1500000

82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
82500
1500000

1545300

141895

1403405

8742500

7339095

This Presentation is Prepared for Private Circulation only.

The greatest failure is the failure to try

1350000
1350000
1350000
1350000
1350000
1350000
1350000
1350000
1350000
1350000
1350000
1350000
1350000
1350000
1350000
1350000
1350000
1350000
1350000
1350000
1350000
1350000
1350000
1350000
1350000
1350000
1350000
1350000
1350000
1350000
1350000
1350000
1350000
1350000
1350000
1350000
1350000
1350000
1350000
1350000
1350000
1350000
1350000
1350000
1350000
1350000
1350000
0

1215000
1215000
1215000
1215000
1215000
1215000
1215000
1215000
1215000
1215000
1215000
1215000
1215000
1215000
1215000
1215000
1215000
1215000
1215000
1215000
1215000
1215000
1215000
1215000
1215000
1215000
1215000
1215000
1215000
1215000
1215000
1215000
1215000
1215000
1215000
1215000
1215000
1215000
1215000
1215000
1215000
1215000
1215000
1215000
1215000
1215000
1215000
0

Deepali Deepak Sawant

Insurance Advisor
Flat No 201, Palmyra Complex, Nheru Nagar, Pimpri Pune-411018
Mobile-9762340061/9975698437, Email-dvs5352@gmail.com
Name: Mast Ayush Mohan Nikam
Note: (1)
(2)
(3)
(4)

Age: 9

Date: 21/12/2013

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 6.21% with tax benefit.
(*) The above illustration gives an effective yield of 5.69% without tax benefit.

This Presentation is Prepared for Private Circulation only.

People are lonely they build walls instead of bridges

maturity date.

Deepali Deepak Sawant

Insurance Advisor
Flat No 201, Palmyra Complex, Nheru Nagar, Pimpri Pune-411018
Mobile-9762340061/9975698437, Email-dvs5352@gmail.com
Name: Mast Ayush Mohan Nikam

Age: 9

Date: 21/12/2013

Bonus
Breakup of Returns
Sum Assured & Survival's
Bonus

12.07%

7687500
1055000
87.93%

Sum
Assured

This Presentation is Prepared for Private Circulation only.

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