Prashant P Khekale

Member Of Chairman's Club

E-119/15, Shreerang Soc.,
Thane (West)
Tel: (R): 022- 25440352,
Mob: 9833659556, 9930171987
E-mail; khekalep@rediffmail.com/yahoo.co.in

Presentation No :

279

Kr. Trushant T Nagare

401/ A Wing, Sppl Galaxy,, Brigade Stn., Opp.C.G.S.S, Antop Hill, Wadala (East), 400037, Tel : 9869261662/24171, 23

Date : 20/12/2013

Jeevan Tarang (With Profit)

Presentation

LIC for every need

Life is unpredictable. To help you take control of your life, you need
insurance. Which brings us to the most common dilemma you face:
what to choose. Thats why there is Life Insurance Corporation.
The biggest life insurance company in India, with a network of over 13
lakh agents and 2048 branches all over India. With the highest claim
settlement record in the world and a customer base of over 30 crore
policy holders, LIC brings with it a world of experience. LIC Offers you
customized insurance products that suit your specific needs, and help
you plan for a secure future.

Highlights

Insure today for better tomorrow

Page 1

Prashant P Khekale
Kr. Trushant T Nagare (24 Yrs)

there is no substitute for life insurance

Page 2

Prashant P Khekale
Kr. Trushant T Nagare (24 Yrs)

Insurance And Be Secure

Page 3

Prashant P Khekale
Kr. Trushant T Nagare (24 Yrs)
Presentation Details
SNo

Date of
Plan
Commence

20/12/2013 178

Name of Plan

Term

Jeevan Tarang

20

PPT

20

Mode

Yly

Total

Sum Assured

Accident
Benefit

Premium

Service
Tax

10,00,000

10,00,000

49,220

10,00,000

10,00,000

49,220

Bonus /
G.A*

Maturity
Amount

49.0

9,80,000
9,80,000

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 @ 0.00%
Date

Age

Risk Cover
Normal

20/12/2013
20/12/2014
20/12/2015
20/12/2016
20/12/2017
20/12/2018
20/12/2019
20/12/2020
20/12/2021
20/12/2022
20/12/2023
20/12/2024
20/12/2025
20/12/2026
20/12/2027
20/12/2028
20/12/2029
20/12/2030
20/12/2031
20/12/2032
20/12/2033
20/12/2034
20/12/2035
20/12/2036
20/12/2037
20/12/2038
20/12/2039
20/12/2040
20/12/2041
20/12/2042
20/12/2043
20/12/2044
20/12/2045
20/12/2046
20/12/2047
20/12/2048
20/12/2049
20/12/2050
20/12/2051
20/12/2052
20/12/2053
20/12/2054
20/12/2055
20/12/2056
20/12/2057
20/12/2058
20/12/2059
20/12/2060

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

10,49,000
10,98,000
11,47,000
11,96,000
12,45,000
12,94,000
13,43,000
13,92,000
14,41,000
14,90,000
15,39,000
15,88,000
16,37,000
16,86,000
17,35,000
17,84,000
18,33,000
18,82,000
19,31,000
19,80,000
20,00,000
20,50,000
21,00,000
21,50,000
22,00,000
22,50,000
23,00,000
23,50,000
24,00,000
24,50,000
25,00,000
25,50,000
26,00,000
26,50,000
27,00,000
27,50,000
28,00,000
28,50,000
29,00,000
29,50,000
30,00,000
30,50,000
31,00,000
31,50,000
32,00,000
32,50,000
33,00,000
33,50,000

Accident

20,49,000
20,98,000
21,47,000
21,96,000
22,45,000
22,94,000
23,43,000
23,92,000
24,41,000
24,90,000
25,39,000
25,88,000
26,37,000
26,86,000
27,35,000
27,84,000
28,33,000
28,82,000
29,31,000
29,80,000
20,00,000
20,50,000
21,00,000
21,50,000
22,00,000
22,50,000
23,00,000
23,50,000
24,00,000
24,50,000
25,00,000
25,50,000
26,00,000
26,50,000
27,00,000
27,50,000
28,00,000
28,50,000
29,00,000
29,50,000
30,00,000
30,50,000
31,00,000
31,50,000
32,00,000
32,50,000
33,00,000
33,50,000

Annual
Premium

49,220
49,220
49,220
49,220
49,220
49,220
49,220
49,220
49,220
49,220
49,220
49,220
49,220
49,220
49,220
49,220
49,220
49,220
49,220
49,220
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

Tax Saved

Nett.
Premium

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

Returns From
LIC

49,220
49,220
49,220
49,220
49,220
49,220
49,220
49,220
49,220
49,220
49,220
49,220
49,220
49,220
49,220
49,220
49,220
49,220
49,220
49,220
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

Insure now, not because you are to die, but they are to live

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
9,80,000
55,000
55,000
55,000
55,000
55,000
55,000
55,000
55,000
55,000
55,000
55,000
55,000
55,000
55,000
55,000
55,000
55,000
55,000
55,000
55,000
55,000
55,000
55,000
55,000
55,000
55,000
55,000

Surrender
Value

0
0
51,601
1,10,524
1,48,797
1,92,278
2,41,580
2,97,317
3,60,320
4,31,343
5,11,177
5,91,624
6,82,110
7,84,476
9,00,950
10,34,035
11,95,603
13,78,021
15,83,990
18,16,452
9,00,000
9,00,000
9,00,000
9,00,000
9,00,000
9,00,000
9,00,000
9,00,000
9,00,000
9,00,000
9,00,000
9,00,000
9,00,000
9,00,000
9,00,000
9,00,000
9,00,000
9,00,000
9,00,000
9,00,000
9,00,000
9,00,000
9,00,000
9,00,000
9,00,000
9,00,000
9,00,000
9,00,000

Total Loan
Available

0
0
35,006
87,163
1,20,661
1,58,774
2,02,048
2,51,030
3,06,454
3,68,995
4,39,358
5,10,500
5,90,526
6,81,068
7,84,099
9,01,843
10,44,715
12,06,116
13,88,454
15,94,349
8,10,000
8,10,000
8,10,000
8,10,000
8,10,000
8,10,000
8,10,000
8,10,000
8,10,000
8,10,000
8,10,000
8,10,000
8,10,000
8,10,000
8,10,000
8,10,000
8,10,000
8,10,000
8,10,000
8,10,000
8,10,000
8,10,000
8,10,000
8,10,000
8,10,000
8,10,000
8,10,000
8,10,000

Page 4

Prashant P Khekale
Kr. Trushant T Nagare (24 Yrs)
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 @ 0.00%
Date

Age

Risk Cover
Normal

20/12/2061
20/12/2062
20/12/2063
20/12/2064
20/12/2065
20/12/2066
20/12/2067
20/12/2068
20/12/2069
20/12/2070
20/12/2071
20/12/2072
20/12/2073
20/12/2074
20/12/2075
20/12/2076
20/12/2077
20/12/2078
20/12/2079
20/12/2080
20/12/2081
20/12/2082
20/12/2083
20/12/2084
20/12/2085
20/12/2086
20/12/2087
20/12/2088
20/12/2089

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
101

34,00,000
34,50,000
35,00,000
35,50,000
36,00,000
36,50,000
37,00,000
37,50,000
38,00,000
38,50,000
39,00,000
39,50,000
40,00,000
40,50,000
41,00,000
41,50,000
42,00,000
42,50,000
43,00,000
43,50,000
44,00,000
44,50,000
45,00,000
45,50,000
46,00,000
46,50,000
47,00,000
0
0

Annual
Premium

Accident

34,00,000
34,50,000
35,00,000
35,50,000
36,00,000
36,50,000
37,00,000
37,50,000
38,00,000
38,50,000
39,00,000
39,50,000
40,00,000
40,50,000
41,00,000
41,50,000
42,00,000
42,50,000
43,00,000
43,50,000
44,00,000
44,50,000
45,00,000
45,50,000
46,00,000
46,50,000
47,00,000
0
0

Tax Saved

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

Nett.
Premium

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

Returns From
LIC

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

55,000
55,000
55,000
55,000
55,000
55,000
55,000
55,000
55,000
55,000
55,000
55,000
55,000
55,000
55,000
55,000
55,000
55,000
55,000
55,000
55,000
55,000
55,000
55,000
55,000
55,000
55,000
47,50,000
0

9,84,400
0
9,84,400
Loyalty Rate is assumed to be Calculated at Rs 50 per thousand Sum Assured
*Liable to change according to Government / Corporation Policy
Calculation includes Bonus and Final Additional Bonus available to the plan as on today.

87,00,000

Total

Surrender
Value

Total Loan
Available

9,00,000
9,00,000
9,00,000
9,00,000
9,00,000
9,00,000
9,00,000
9,00,000
9,00,000
9,00,000
9,00,000
9,00,000
9,00,000
9,00,000
9,00,000
9,00,000
9,00,000
9,00,000
9,00,000
9,00,000
9,00,000
9,00,000
9,00,000
9,00,000
9,00,000
9,00,000
9,00,000
0
0

8,10,000
8,10,000
8,10,000
8,10,000
8,10,000
8,10,000
8,10,000
8,10,000
8,10,000
8,10,000
8,10,000
8,10,000
8,10,000
8,10,000
8,10,000
8,10,000
8,10,000
8,10,000
8,10,000
8,10,000
8,10,000
8,10,000
8,10,000
8,10,000
8,10,000
8,10,000
8,10,000
0
0

Financial Year wise Return Calender

Year

Apr

May

Jun

July

Aug

Sep

Oct

Nov

Dec

2033-2034

9,80,000

2034-2035

55,000

2035-2036

55,000

2036-2037

55,000

2037-2038

55,000

2038-2039

55,000

2039-2040

55,000

2040-2041

55,000

2041-2042

55,000

2042-2043

55,000

2043-2044

55,000

2044-2045

55,000

2045-2046

55,000

2046-2047

55,000

2047-2048

55,000

When someone depneds on you, you can depend on Life insurance

Jan

Feb

Mar

Page 5

Prashant P Khekale
Kr. Trushant T Nagare (24 Yrs)
Financial Year wise Return Calender
Year

Apr

May

Jun

July

Aug

Sep

Oct

Nov

Dec

2048-2049

55,000

2049-2050

55,000

2050-2051

55,000

2051-2052

55,000

2052-2053

55,000

2053-2054

55,000

2054-2055

55,000

2055-2056

55,000

2056-2057

55,000

2057-2058

55,000

2058-2059

55,000

2059-2060

55,000

2060-2061

55,000

2061-2062

55,000

2062-2063

55,000

2063-2064

55,000

2064-2065

55,000

2065-2066

55,000

2066-2067

55,000

2067-2068

55,000

2068-2069

55,000

2069-2070

55,000

2070-2071

55,000

2071-2072

55,000

2072-2073

55,000

2073-2074

55,000

2074-2075

55,000

2075-2076

55,000

2076-2077

55,000

2077-2078

55,000

2078-2079

55,000

2079-2080

55,000

2080-2081

55,000

2081-2082

55,000

2082-2083

55,000

2083-2084

55,000

2084-2085

55,000

2085-2086

55,000

2086-2087

55,000

2087-2088

55,000

2088-2089

47,50,000

Jan

Feb

Mar

Total

Other Premiums Details

Plan
SNo

Plan

178

DOC

Term

20/12/2013 20

PPT

20
Total

Sum Assured

10,00,000

Accident
Benefit

10,00,000

Daily
Premium

Yly

Hly

Qly

SSS

Single

135

49,220

24,867

12,562

4,187

5,36,500

135

49,220

24,867

12,562

4,187

5,36,500

Jo Parivaar Se Kare Pyar Woh, L.I.C. Se Kaise Kare Inkar

Page 6

Prashant P Khekale
Kr. Trushant T Nagare (24 Yrs)
Back Dating Suggestion
Plan
SNo

Plan Term

PPT

Suggested
DOC

178

20

20

Term

20/10/2013
Total

20

PPT
20

New Premium Back Dating

Interest
49,220

369

Saving

Recommendation

-369 No
-369

When someone depends on you, you can depend on Life Insurance

Page 7

Prashant P Khekale
Kr. Trushant T Nagare (24 Yrs)
Summary
Description

Amount

Description

Maximum Risk Cover (Normal)

47,00,000.00

Returns (Maturity + Survival Benefit)

Maximum Risk Cover (Accident)

47,00,000.00

Accoumulated Amt. Under Annuity Plans

Total Premium Paid

Less : Tax Saved
Net Premium

9,84,400.00

Compounded Value of Returns

Amount
87,00,000.00
0.00
87,00,000.00

0.00

Addition Gain by Loan Recycling

0.00

9,84,400.00

Net Amount in hand 20/12/2089

87,00,000.00

Yield (With tax benefit)

6.30

Returns From LIC

Bonus
Loyalty Addition
Survival Benefits

9,80,000
10,00,000
77,20,000

The Following Graph shows the Total Premium paid, likely Amount receivable on Normal Claim & Accident Claim
during the term of the policy.

Special Medical Reports Requirement

As per the current presentation & Previous Policy the Total SUC for Kr. Trushant T Nagare(Last Birthday) works out
to be Total Non-Health SUC : 1000000. Following Special Reports are required:
Total Non-Health SUC : 1000000
No special Medical Test Required

The best thing to save for old days : Self Respect

The best way to save for old days : LIFE INSURANCE

Page 8