Nikam 1

"Insure & be secure"
A presentation specially compiled for
Mr. Dnyaneshwar S. Nikam
Presented by :-
REKHA PRAVEENKUMAR SHUKLA.

Insurance & Financial advisor
BMC Quarters , B, Building, 3 Rd floor , Flat No.7, Dr. E. Moses Road, Worli, Mumbai- 400 018
Cell- 9594 55 6666----8082 55 6666 pshuklaji@gmail.com

BMC Quarters , B, Building, 3 Rd floor , Flat No.7,
Dr. E. Moses Road, Worli, Mumbai- 400 018
Cell- 9594 55 6666----8082 55 6666
pshuklaji@gmail.com
Special Plan Combo For Shri Mr. Dnyaneshwar S. Nikam (age 49)
Ref. No. Nikam1-N
Proposed Insurance
Id
Com.Date Plan Name
1 09/06/2014 814-New Endowment

2 09/06/2014 815-New Jeevan Anand
^ Install.
Premium
Term/
PPT
Basic Sum
Assured
Accident
Rider SA
Md.
12/12
1,75,000
1,75,000
16844
15/15
1,50,000
1,50,000
14793
3,25,000
3,25,000
Annual Premium:
Tax
Beneficiary
31,637
'^' : - Premiums indicated are inclusive of service tax.
Modewise Summary of Installment Premiums

Id
Com. Date Plan/Tm/PPT
09/06/2014 814/12/12
09/06/2014 815/15/15
* Bonus
Rate
PREMIUM
FAB
Yearly
Half Yearly
Quaterly
Monthly
Single
**Daily
38
16,844
8,507
4,296
1,432
46.15
40
10
14,793
7,472
3,773
1,258
40.53
31,637
15,979
8,069
2,690
86.68
1. '*' : - Assuming LIC will declare the above mentioned bonus rates for the year ended 31-Mar-2014
2. '**' : - Daily premium is for indicative purpose only. Formula used - (Yearly Premium/365).
Medical Requirement Details

Sum at Risk: 3,62,500
Medical by DMR: No
Rest ECG, FBS
Disclaimer: 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.

Cell- 9594 55 6666----8082 55 6666
pshuklaji@gmail.com
Ref. No. Nikam1-N
Forecast of Insurance Benefits

Fin. Year
Ending
Risk Cover
For the Year
Age
Natural Death
Accident Death
Premium
Returns
Cash Flow
Cash
Value
Loan
Available
31/03/2015
49
3,75,150
7,00,150
31,637
-31,637
31/03/2016
50
3,87,800
7,12,800
31,163
-31,163
31/03/2017
51
4,00,450
7,25,450
31,163
-31,163
33,137
28,500
31/03/2018
52
4,13,100
7,38,100
31,163
-31,163
73,830
63,500
31/03/2019
53
4,25,750
7,50,750
31,163
-31,163
94,361
81,250
31/03/2020
54
4,38,400
7,63,400
31,163
-31,163
1,16,814
1,00,750
31/03/2021
55
4,51,050
7,76,050
31,163
-31,163
1,43,513
1,24,000
31/03/2022
56
4,63,700
7,88,700
31,163
-31,163
1,78,861
1,54,750
31/03/2023
57
4,76,350
8,01,350
31,163
-31,163
2,18,826
1,89,250
31/03/2024
58
4,89,000
8,14,000
31,163
-31,163
2,65,684
2,30,000
31/03/2025
59
5,01,650
8,26,650
31,163
-31,163
3,18,494
2,76,000
31/03/2026
60
5,14,300
8,39,300
31,163
-31,163
3,89,416
3,08,500
31/03/2027
61
2,65,500
4,15,500
14,572
2,54,800
2,40,228
1,59,244
1,29,000
31/03/2028
62
2,71,500
4,21,500
14,572
-14,572
1,82,440
1,47,750
31/03/2029
63
2,79,000
4,29,000
14,572
-14,572
2,38,056
1,61,750
31/03/2030
64
1,50,000
1,50,000
2,41,500
2,41,500
65,235
52,750
31/03/2031
65
1,50,000
1,50,000
67,575
54,750
31/03/2032
66
1,50,000
1,50,000
69,930
56,750
31/03/2033
67
1,50,000
1,50,000
72,270
58,500
31/03/2034
68
1,50,000
1,50,000
74,610
60,500
31/03/2035
69
1,50,000
1,50,000
76,950
62,250
31/03/2036
70
1,50,000
1,50,000
79,275
64,250
31/03/2037
71
1,50,000
1,50,000
81,585
66,000
31/03/2038
72
1,50,000
1,50,000
83,880
68,000
31/03/2039
73
1,50,000
1,50,000
86,145
69,750
31/03/2040
74
1,50,000
1,50,000
88,380
71,500
31/03/2041
75
1,50,000
1,50,000
90,570
73,250
31/03/2042
76
1,50,000
1,50,000
92,730
75,000
31/03/2043
77
1,50,000
1,50,000
94,860
76,750
31/03/2044
78
1,50,000
1,50,000
96,930
78,500
31/03/2045
79
1,50,000
1,50,000
98,970
80,250
31/03/2046
80
1,50,000
1,50,000
1,00,950
81,750
31/03/2047
81
1,50,000
1,50,000
1,02,870
83,250
31/03/2048
82
1,50,000
1,50,000
1,04,745
84,750
31/03/2049
83
1,50,000
1,50,000
1,06,560
86,250
31/03/2050
84
1,50,000
1,50,000
1,08,315
87,750
31/03/2051
85
1,50,000
1,50,000
1,10,025
89,000
31/03/2052
86
1,50,000
1,50,000
1,11,660
90,500
31/03/2053
87
1,50,000
1,50,000
1,13,250
91,750
31/03/2054
88
1,50,000
1,50,000
1,14,780
93,000
31/03/2055
89
1,50,000
1,50,000
1,16,310
94,250
31/03/2056
90
1,50,000
1,50,000
1,17,780
95,500
31/03/2057
91
1,50,000
1,50,000
1,19,280
96,500

Cell- 9594 55 6666----8082 55 6666
pshuklaji@gmail.com
Fin. Year
Ending
Risk Cover
For the Year
Ref. No. Nikam1-N
Age
Natural Death
Accident Death
Premium
Returns
Cash Flow
Cash
Value
Loan
Available
31/03/2058
92
1,50,000
1,50,000
1,20,765
97,750
31/03/2059
93
1,50,000
1,50,000
1,22,295
99,000
31/03/2060
94
1,50,000
1,50,000
1,24,245
1,00,750
31/03/2061
95
1,50,000
1,50,000
1,25,955
1,02,000
31/03/2062
96
1,50,000
1,50,000
1,29,195
1,04,750
31/03/2063
97
1,50,000
1,50,000
1,32,360
1,07,250
31/03/2064
98
1,50,000
1,50,000
1,39,650
1,13,000
31/03/2065
99
1,50,000
1,50,000
1,44,825
1,17,250
31/03/2066 100
1,50,000
1,50,000
4,18,146
6,46,300
2,28,154
K e y
A s s u mp t i o n s
Personal Data: DOB: 15/10/1965

Income Tax:
Sec. 80CCE Limit Available: 100000 Sec. 80D Limit Available: 10000
Tax Savings on premiums will be @ 30.90 % u/s 80CCE and @ 30.90 % u/s 80D
Projections
Bonus: On applicable plans, last declared reversionary bonus of their respective matching discontinued plans has been considered
for the purpose of projected Riskcover and Returns.
Terminal Bonus: On applicable plans, last declared terminal bonus of their respective matching discontinued plans has also been
considered.

Cell- 9594 55 6666----8082 55 6666
pshuklaji@gmail.com
Ref. No. Nikam1-N
Premium Breakup & Tax Implication (for the year)

Premium Breakup
Fin. Year
Ending
u/s 80 CCE
u/s 80 D
Basic
DAB
Total
Eligible
Amount
Tax Ben.
@30.9%
Eligible
Amount
Tax Ben.
@30.9%
Total
Benefit
31/03/2015
31,302
335
31,637
30,689
9,483
9,483
31/03/2016
30,833
330
31,163
30,689
9,483
9,483
31/03/2017
30,833
330
31,163
30,689
9,483
9,483
31/03/2018
30,833
330
31,163
30,689
9,483
9,483
31/03/2019
30,833
330
31,163
30,689
9,483
9,483
31/03/2020
30,833
330
31,163
30,689
9,483
9,483
31/03/2021
30,833
330
31,163
30,689
9,483
9,483
31/03/2022
30,833
330
31,163
30,689
9,483
9,483
31/03/2023
30,833
330
31,163
30,689
9,483
9,483
30,689
9,483
9,483
30,689
9,483
9,483
31/03/2024
30,833
330
31,163
31/03/2025
30,833
330
31,163
30,689
9,483
9,483
14,350
4,434
4,434
31/03/2026
30,833
330
31,163
31/03/2027
14,419
152
14,571
31/03/2028
14,419
152
14,571
14,350
4,434
4,434
31/03/2029
14,419
152
14,571
14,350
4,434
4,434
4,13,722
4,422
4,18,143
4,11,318
1,27,098
1,27,098
Premium Calendar
Id
Apr
May
Jun
Jul
16,844
14,793
31,637
Aug
Sep
Oct
Nov
Dec
Jan
Feb
Mar
Annual Premium :
31,637

Cell- 9594 55 6666----8082 55 6666
pshuklaji@gmail.com
Ref. No. Nikam1-N
Innovative Forecast of Insurance Benefits

Fin. Year
Ending
For the Year
For the Year
Age
Natural Death
Accident Death
Payment
Returns
Cash Flow
Cash
Value
Loan
Available
31/03/2015
49
3,75,150
7,00,150
31,637
-31,637
31/03/2016
50
3,87,800
7,12,800
31,163
-31,163
31/03/2017
51
4,00,450
7,25,450
31,163
-31,163
33,137
28,500
31/03/2018
52
4,13,100
7,38,100
31,163
-31,163
73,830
63,500
31/03/2019
53
4,25,750
7,50,750
31,163
-31,163
94,361
81,250
31/03/2020
54
4,38,400
7,63,400
31,163
-31,163
1,16,814
1,00,750
31/03/2021
55
4,51,050
7,76,050
31,163
-31,163
1,43,513
1,24,000
31/03/2022
56
4,63,700
7,88,700
31,163
-31,163
1,78,861
1,54,750
31/03/2023
57
4,76,350
8,01,350
31,163
-31,163
2,18,826
1,89,250
31/03/2024
58
4,89,000
8,14,000
31,163
-31,163
2,65,684
2,30,000
31/03/2025
59
5,01,650
8,26,650
31,163
-31,163
3,18,494
2,76,000
31/03/2026
60
5,14,300
8,39,300
31,163
-31,163
3,89,416
3,08,500
31/03/2027
61
2,65,500
4,15,500
14,572
2,54,800
2,40,228
1,59,244
1,29,000
31/03/2028
62
2,71,500
4,21,500
14,572
-14,572
1,82,440
1,47,750
31/03/2029
63
2,79,000
4,29,000
14,572
-14,572
2,38,056
1,61,750
31/03/2030
64
1,50,000
1,50,000
2,41,500
2,41,500
65,235
52,750
31/03/2031
65
1,50,000
1,50,000
67,575
54,750
31/03/2032
66
1,50,000
1,50,000
69,930
56,750
31/03/2033
67
1,50,000
1,50,000
72,270
58,500
31/03/2034
68
1,50,000
1,50,000
74,610
60,500
31/03/2035
69
1,50,000
1,50,000
76,950
62,250
31/03/2036
70
1,50,000
1,50,000
79,275
64,250
31/03/2037
71
1,50,000
1,50,000
81,585
66,000
31/03/2038
72
1,50,000
1,50,000
83,880
68,000
31/03/2039
73
1,50,000
1,50,000
86,145
69,750
31/03/2040
74
1,50,000
1,50,000
88,380
71,500
31/03/2041
75
1,50,000
1,50,000
90,570
73,250
31/03/2042
76
1,50,000
1,50,000
92,730
75,000
31/03/2043
77
1,50,000
1,50,000
94,860
76,750
31/03/2044
78
1,50,000
1,50,000
96,930
78,500
31/03/2045
79
1,50,000
1,50,000
98,970
80,250
31/03/2046
80
1,50,000
1,50,000
1,00,950
81,750
31/03/2047
81
1,50,000
1,50,000
1,02,870
83,250
31/03/2048
82
1,50,000
1,50,000
1,04,745
84,750
31/03/2049
83
1,50,000
1,50,000
1,06,560
86,250
31/03/2050
84
1,50,000
1,50,000
1,08,315
87,750
31/03/2051
85
1,50,000
1,50,000
1,10,025
89,000
31/03/2052
86
1,50,000
1,50,000
1,11,660
90,500
31/03/2053
87
1,50,000
1,50,000
1,13,250
91,750
31/03/2054
88
1,50,000
1,50,000
1,14,780
93,000
31/03/2055
89
1,50,000
1,50,000
1,16,310
94,250

Cell- 9594 55 6666----8082 55 6666
pshuklaji@gmail.com
Fin. Year
Ending
For the Year
For the Year
Ref. No. Nikam1-N
Age
Natural Death
Accident Death
Payment
Returns
Cash Flow
Cash
Value
Loan
Available
31/03/2056
90
1,50,000
1,50,000
1,17,780
95,500
31/03/2057
91
1,50,000
1,50,000
1,19,280
96,500
31/03/2058
92
1,50,000
1,50,000
1,20,765
97,750
31/03/2059
93
1,50,000
1,50,000
1,22,295
99,000
31/03/2060
94
1,50,000
1,50,000
1,24,245
1,00,750
31/03/2061
95
1,50,000
1,50,000
1,25,955
1,02,000
31/03/2062
96
1,50,000
1,50,000
1,29,195
1,04,750
31/03/2063
97
1,50,000
1,50,000
1,32,360
1,07,250
31/03/2064
98
1,50,000
1,50,000
1,39,650
1,13,000
31/03/2065
99
1,50,000
1,50,000
1,44,825
1,17,250
31/03/2066 100
1,50,000
1,50,000
4,18,146
6,46,300
2,28,154
Explanatory Notes
Payment to L.I.C. indicates Annual Premium
Returns in the Year indicates Normal Cash Flow and /or Cash Flow taken from L.I.C. in installments (Inclusive of Interest).

Cell- 9594 55 6666----8082 55 6666
pshuklaji@gmail.com
Ref. No. Nikam1-N
Scenario Comparision
Fin. Year
Ending
Risk Cover
Returns
Age
Premium
Past Bonus
8% Scenario
4% Scenario
Past Bonus
8% Scenario
4% Scenario
31/03/2015
49
31,637
3,75,150
3,71,725
3,65,288
31/03/2016
50
31,163
3,87,800
3,80,950
3,68,075
31/03/2017
51
31,163
4,00,450
3,90,175
3,70,862
31/03/2018
52
31,163
4,13,100
3,99,400
3,73,650
31/03/2019
53
31,163
4,25,750
4,08,625
3,76,438
31/03/2020
54
31,163
4,38,400
4,17,850
3,79,225
31/03/2021
55
31,163
4,51,050
4,27,075
3,82,012
31/03/2022
56
31,163
4,63,700
4,36,300
3,84,800
31/03/2023
57
31,163
4,76,350
4,45,525
3,87,588
31/03/2024
58
31,163
4,89,000
4,54,750
3,90,375
31/03/2025
59
31,163
5,01,650
4,63,975
3,93,162
31/03/2026
60
31,163
5,14,300
4,73,200
3,95,950
31/03/2027
61
14,572
2,65,500
2,46,000
1,95,300
2,54,800
2,31,700
2,01,250
31/03/2028
62
14,572
2,71,500
2,50,500
1,95,900
31/03/2029
63
14,572
2,79,000
2,55,750
1,96,500
31/03/2030
64
1,50,000
1,50,000
1,50,000
2,41,500
2,18,250
1,59,000
31/03/2031
65
1,50,000
1,50,000
1,50,000
31/03/2032
66
1,50,000
1,50,000
1,50,000
31/03/2033
67
1,50,000
1,50,000
1,50,000
31/03/2034
68
1,50,000
1,50,000
1,50,000
31/03/2035
69
1,50,000
1,50,000
1,50,000
31/03/2036
70
1,50,000
1,50,000
1,50,000
31/03/2037
71
1,50,000
1,50,000
1,50,000
31/03/2038
72
1,50,000
1,50,000
1,50,000
31/03/2039
73
1,50,000
1,50,000
1,50,000
31/03/2040
74
1,50,000
1,50,000
1,50,000
31/03/2041
75
1,50,000
1,50,000
1,50,000
31/03/2042
76
1,50,000
1,50,000
1,50,000
31/03/2043
77
1,50,000
1,50,000
1,50,000
31/03/2044
78
1,50,000
1,50,000
1,50,000
31/03/2045
79
1,50,000
1,50,000
1,50,000
31/03/2046
80
1,50,000
1,50,000
1,50,000
31/03/2047
81
1,50,000
1,50,000
1,50,000
31/03/2048
82
1,50,000
1,50,000
1,50,000
31/03/2049
83
1,50,000
1,50,000
1,50,000
31/03/2050
84
1,50,000
1,50,000
1,50,000
31/03/2051
85
1,50,000
1,50,000
1,50,000
31/03/2052
86
1,50,000
1,50,000
1,50,000
31/03/2053
87
1,50,000
1,50,000
1,50,000
31/03/2054
88
1,50,000
1,50,000
1,50,000
31/03/2055
89
1,50,000
1,50,000
1,50,000
31/03/2056
90
1,50,000
1,50,000
1,50,000

Cell- 9594 55 6666----8082 55 6666
pshuklaji@gmail.com
Fin. Year
Ending
Risk Cover
Ref. No. Nikam1-N

Returns
Age
Premium
Past Bonus
8% Scenario
4% Scenario
Past Bonus
8% Scenario
4% Scenario
31/03/2057
91
1,50,000
1,50,000
1,50,000
31/03/2058
92
1,50,000
1,50,000
1,50,000
31/03/2059
93
1,50,000
1,50,000
1,50,000
31/03/2060
94
1,50,000
1,50,000
1,50,000
31/03/2061
95
1,50,000
1,50,000
1,50,000
31/03/2062
96
1,50,000
1,50,000
1,50,000
31/03/2063
97
1,50,000
1,50,000
1,50,000
31/03/2064
98
1,50,000
1,50,000
1,50,000
31/03/2065
99
1,50,000
1,50,000
1,50,000
31/03/2066
100
1,50,000
1,50,000
1,50,000
6,46,300
5,99,950
5,10,250
4,18,146

Nikam 1

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Nikam 1

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"Insure & be secure"

A presentation specially compiled for

Mr. Dnyaneshwar S. Nikam

REKHA PRAVEENKUMAR SHUKLA.

REKHA PRAVEENKUMAR SHUKLA.

Ref. No. Nikam1-N

Com.Date Plan Name

1 09/06/2014 814-New Endowment

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

Modewise Summary of Installment Premiums

Com. Date Plan/Tm/PPT

Medical Requirement Details

Rest ECG, FBS

REKHA PRAVEENKUMAR SHUKLA.

Ref. No. Nikam1-N

Forecast of Insurance Benefits

For the Year

REKHA PRAVEENKUMAR SHUKLA.

For the Year

Ref. No. Nikam1-N

Personal Data: DOB: 15/10/1965

REKHA PRAVEENKUMAR SHUKLA.

Ref. No. Nikam1-N

Premium Breakup & Tax Implication (for the year)

REKHA PRAVEENKUMAR SHUKLA.

Ref. No. Nikam1-N

Innovative Forecast of Insurance Benefits

For the Year

For the Year

REKHA PRAVEENKUMAR SHUKLA.

For the Year

For the Year

Ref. No. Nikam1-N

REKHA PRAVEENKUMAR SHUKLA.

Ref. No. Nikam1-N

REKHA PRAVEENKUMAR SHUKLA.

Ref. No. Nikam1-N

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