Sachin Agarwal

Mr Sachin Agarwal
Deepali Deepak Sawant
Insurance Advisor
Flat No 201, Palmyra Complex, Nheru Nagar, Pimpri Pune-411018
Mobile-9762340061/9975698437, Email-dvs5352@gmail.com
The figures presented in this entire illustration are indicative and solely for the purpose of understanding the possible benefits from the
proposed insurance. The benefits are not guaranteed and the actual results may depend on the future performance of the insurer.

Insurance Advisor
Name: Mr Sachin Agarwal
Age: 34
Date: 04/08/2014
Plan 815: New Jeevan Anand

Introduction:
It has been decided to introduce LIC's New Jeevan Anand, a With-Profits Assurance plan
No.815) with effect from 8'h January, 2014.This is a combination of Endowment and Whole life
Assurance plan, wherein the premium is paid
regularly during the selected policy term. The benefits and other details of the plan are given below.
(Plan
Features
Benefits:
(a) Death Benefit: On death during the Policy Term (which is same as premium paying term): The
Death Benefit. defined as sum of "Sum Assured on Death", vested Simple Reversionary Bonuses and
Final Additional bonus, if any, shall be payable, where "Sum Assured on Death" is higher of 125% of
Basic Sum Assured or 10 times of annualized premium. This death benefit (as defined above) shall not
be less than 105% of total premiums paid as on date of death.
(b) Benefit on Maturity: On survival to the end of the Policy Term, Basic Sum Assured along with vested
simple reversionary bonuses and Final (Additional) bonus, if any, shall be payable.
Eligibility Conditions and Restrictions;
a)Minimum age at entry
b)Maximum age at entry
C)Maximum age at maturity
d)Minimum policy term
e)Maximum policy term
f)Minimum Basic Sum Assured
g)Maximum Basic Sum Assured
: 18 years (completed)
: 50 years (nearest birthday)
: 75 years (nearest birthday)
: 15 years
: 35 years
: Rs.1,00,000/: No limit.
The Basic Sum Assured shall be in multiples of Rs. 5,000/-.

Age at entry for the Policyholder is to be taken as age nearest birthday except for the minimum age at
entry i.e.18 years (completed).
Mode of Premium Payment: The modes of premium payment allowable during the policy term are
Yearly, Half Yearly. Quarterly, and Monthly (ECS only or through salary deductions).
Loan:
Loan facility is available under this plan after payment of premiums for atleast 3 full years
You can't sip soup with a knife

Insurance Advisor
Age: 34
Date: 04/08/2014
Plan 189: Jeevan Akshay - VI

Introduction :
In view of the demand from various offices it has been decided to modify LICs Jeevan
Akshay VI plan. The modifications are as under:
The plan shall also be sold online in addition to other existing distribution channels.
Annuity option- Joint-life and 100% of annuity to spouse on death of the annuitant with
return of purchase price on death of last survivor shall also be available in addition to
the existing six options.
Reduction in the minimum age at entry and increase in maximum age at entry.
Minimum premium amount for online sale shall be Rs. 1.5 lacs and for other
distribution channels it shall be Rs. 1 lac.
Slabs of incentive for higher purchase price have been modified.
Service tax to be collected from the policyholder along with the purchase price.
Features
Benefits:
The first instalment of annuity shall be paid one year, six months, three months or one
month after the date of purchase of the annuity depending on whether the mode of annuity
payment is yearly, half-yearly, quarterly or monthly respectively. Further, annuity shall be
paid during the life time of the annuitant with following provisions on death of the annuitant
for different options:
(a) Under option (i) - payment of annuity ceases.
(b) Under option (ii)
i. On death during the guarantee period - annuity is paid to the nominee till the
end of the guaranteed period after which the same ceases.
ii. On death after the guarantee period - payment of annuity ceases.
(c) Under option (iii) - payment of annuity ceases and the purchase price is returned to
the nominee.
(d) Under option (iv) - payment of annuity ceases.
(e) Under option (v) - payment of annuity ceases and 50% of the annuity is paid to the
surviving named spouse during his/her life time. If the spouse predeceases the
annuitant, nothing is payable after the death of the annuitant.
(f) Under option (vi) - payment of annuity ceases and 100% of the annuity is paid to
the surviving named spouse during his/her life time. If the spouse predeceases the
annuitant, nothing is payable after the death of the annuitant.
(g) Under option (vii) - payment of annuity ceases. 100% of the annuity is paid to the
surviving named spouse during his/her life time and purchase price is returned to
the nominee after the death of the spouse. If the spouse predeceases the
annuitant, the annuity ceases and purchase price is paid to the nominee.
When your work speaks for itself, don't interrupt

Insurance Advisor
Age: 34
Date: 04/08/2014
Presentation Details
Plan
Plan Name
Term /
PPT
Sum
Assured
Bonus
Mode
*Premium
Total
Prem's Paid
Maturity
Year
Maturity
Amount
2040
14745460
815
New Jeevan Anand
26/26
5270000
48
Mly
20010
6153154
189
Jeevan Akshay - VI
0/1
14307886
SP
14750000
14750000
14770010
20903154
Total :
19577886
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 FAB for Plan 815/26/26 is Rs. 550
Rider Details
Plan
815
Term
PPT
26
26
Rider Name
Rider Sum
Rider
Term
Rider
Premium
Total Prem's
Paid
5000000
26
417
130104
417
130104
Double Accident Benefit
Total :
Agents Copy
Sr. DOC
No.
Pn / Tm /
PPT
Sum
Assured
1 04/08/2014 815/26/26 5270000

2 04/08/2040 189/0/1
14307886
Mode
Yearly
Half Yearly
Quaterly
235100
0
118806
0
60031
0
20010
0
Mly(ECS) SSS
20010
0
235100
118806
60031
20010
20010
Single
Per Day
0
644.11
14750000 0.00
644
1. '^' : - Premiums indicated are inclusive of service tax.

2. '*' : - Assuming LIC will declare the above mentioned bonus rates for the year ended 31-Mar-2014
3. '**' : - Daily premium is for indicative purpose only. Formula used - (Yearly Premium/365).
Note:
The Single Premium for Plan 189 shown in above table is Inclusive of Service Tax.
Those we hurt the most are often those we love the most
No of
Inst.
0
0

Insurance Advisor
Age: 34
Date: 04/08/2014
Nobody Plans to Fail

They Just Fail to Plan
Investment CASH FLOW
Tax Slab: 30%

Year
Age
Normal
Lifecover
Accident
Lifecover
Annual
Premium
Tax
Saved
Net
Premium
Returns
from LIC
Net Returns
Surrender
Value
Total Loan
Available
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
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
73
74
75
76
6840460
7093420
7346380
7599340
7852300
8105260
8358220
8611180
8864140
9117100
9370060
9623020
9875980
10128940
10487300
10766610
11045920
11325230
11657240
12015600
12426660
12943120
13723080
14503040
15283000
16062960
5270000
5270000
5270000
5270000
5270000
5270000
5270000
5270000
5270000
5270000
5270000
5270000
5270000
5270000
5270000
5270000
5270000
11840460
12093420
12346380
12599340
12852300
13105260
13358220
13611180
13864140
14117100
14370060
14623020
14875980
15128940
15487300
15766610
16045920
16325230
16657240
17015600
17426660
17943120
18723080
19503040
20283000
21062960
5270000
5270000
5270000
5270000
5270000
5270000
5270000
5270000
5270000
5270000
5270000
5270000
5270000
5270000
5270000
5270000
5270000
240120
236521
236521
236521
236521
236521
236521
236521
236521
236521
236521
236521
236521
236521
236521
236521
236521
236521
236521
236521
236521
236521
236521
236521
236521
236521
14750000
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
30000
30000
30000
30000
30000
30000
30000
30000
30000
30000
30000
30000
30000
30000
30000
30000
30000
30000
30000
30000
30000
30000
30000
30000
30000
30000
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
210120
206521
206521
206521
206521
206521
206521
206521
206521
206521
206521
206521
206521
206521
206521
206521
206521
206521
206521
206521
206521
206521
206521
206521
206521
206521
14750000
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
14745460
1264812
1264812
1264812
1264812
1264812
1264812
1264812
1264812
1264812
1264812
1264812
1264812
1264812
1264812
1264812
0
-210120
-206521
-206521
-206521
-206521
-206521
-206521
-206521
-206521
-206521
-206521
-206521
-206521
-206521
-206521
-206521
-206521
-206521
-206521
-206521
-206521
-206521
-206521
-206521
-206521
-206521
-4540
1264812
1264812
1264812
1264812
1264812
1264812
1264812
1264812
1264812
1264812
1264812
1264812
1264812
1264812
1264812
0
0
0
141084
343387
620455
777339
934780
1093587
1285181
1487230
1708027
2012063
2352733
2733693
3158839
3632316
4160769
4685673
5274546
5937499
6687518
7538977
8563898
9715406
11007126
12459365
1968872
2048976
2129080
2210238
2291923
2373081
2456874
2539086
2621298
2703510
2785195
2866353
2946984
3026561
3105084
3182026
3257914
0
0
84650
206032
372273
466403
560868
656152
771109
892338
1024816
1207238
1411640
1640216
1895304
2179390
2496461
2811404
3164728
3562500
4012511
4523386
5138339
5829244
6604275
7475619
1181323
1229386
1277448
1326143
1375154
1423849
1474124
1523452
1572779
1622106
1671117
1719812
1768190
1815937
1863050
1909216
1954748
The greatest failure is the failure to try

Insurance Advisor
2057
2058
2059
2060
2061
2062
2063
2064
2065
2066
2067
2068
2069
2070
2071
2072
2073
2074
2075
2076
2077
2078
2079
2080
Total
Note: (1)
(2)
(3)
(4)
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
5270000
5270000
5270000
5270000
5270000
5270000
5270000
5270000
5270000
5270000
5270000
5270000
5270000
5270000
5270000
5270000
5270000
5270000
5270000
5270000
5270000
5270000
5270000
5270000
Age: 34
5270000
5270000
5270000
5270000
5270000
5270000
5270000
5270000
5270000
5270000
5270000
5270000
5270000
5270000
5270000
5270000
5270000
5270000
5270000
5270000
5270000
5270000
5270000
5270000
Date: 04/08/2014
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
5270000
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
5270000
20903154
780000
20123154
38987640
18864486
3332748
3405474
3477146
3546710
3614166
3680041
3743808
3805467
3865545
3922988
3978850
4032604
4086358
4138004
4190704
4242877
4296631
4365141
4425219
4539051
4650248
4906370
4953800
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 5.95% with tax benefit.
(*) The above illustration gives an effective yield of 5.38% without tax benefit.
People are lonely they build walls instead of bridges
1999649
2043284
2086288
2128026
2168500
2208025
2246285
2283280
2319327
2353793
2387310
2419562
2451815
2482802
2514422
2545726
2577979
2619085
2655131
2723431
2790149
2943822
2972280
0
maturity date.

Insurance Advisor
Age: 34
Date: 04/08/2014
FAB
Breakup of Returns
Sum Assured & Survival's
Bonus
Final Additional Bonus
19577886
6576960
2898500
9.98%
Bonus
22.64%
67.39%
Sum
Assured
Life is the first gift, love is the second, and understanding the third

Sachin Agarwal

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Mr Sachin Agarwal

Deepali Deepak Sawant

Deepali Deepak Sawant

Plan 815: New Jeevan Anand

The Basic Sum Assured shall be in multiples of Rs. 5,000/-.

You can't sip soup with a knife

Deepali Deepak Sawant

Plan 189: Jeevan Akshay - VI

When your work speaks for itself, don't interrupt

Deepali Deepak Sawant

New Jeevan Anand

Double Accident Benefit

1 04/08/2014 815/26/26 5270000

1. '^' : - Premiums indicated are inclusive of service tax.

Deepali Deepak Sawant

Nobody Plans to Fail

Tax Slab: 30%

The greatest failure is the failure to try

Deepali Deepak Sawant

People are lonely they build walls instead of bridges

Deepali Deepak Sawant

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