l Double benefits of Insurance and Investment.

l Funds available under this plan are -Bond, Secured, Balanced and
Growth fund.

l A policyholder can partially withdraw the units at any time after five
‘Endowment Plus’ is an unmatched Unit Linked policy years.

Endowment Plan from LIC. With its exciting features, it

l Loan can be availed after completion of 3 policy years.
gives you just the right way to enter the stock market
l Policy can be surrendered after completion of 5 years with no surrender
along with the much-needed insurance protection.
charge.

l Premiums can be paid in yearly, half-yearly, quarterly and in monthly

‘Endowment Plus’ being a unit-linked plan is dynamic
(ECS) installment OR in single installment.
in nature as it gives you the flexibility in the choice of
l Policyholder can switch between any fund types during the policy term. 4
investment in funds. The funds differ by virtue of their
switches will be allowed free in a policy year.
exposure to market risks and hence you have a broad

choice to pick the fund depending on your risk l Policyholder has a option to enhance the risk cover by choosing the
Double Accident benefit rider and the Critical Illness Rider.
appetite. Simply put, it can be viewed as a combination

of insurance and stock investments, all in one
package. Lets take a quick look at its remarkable
features:
l On death of the policyholder, the nominee will be eligible to get higher of
Sum assured (minus partial withdrawal if any done during last two years)
or the Fund value of units.
l In case of maturity the policyholder will get amount equal to the Fund
value of the units.

Presentation l Maturity returns can be amplified by exercising 'Settlement Option’,

through which returns can be taken in installments.
specially prepared for
l Enjoy tax benefit under section 80CCE.
Mr. Harish Chand
Present age : 29 years Conditions governing the Benefits Illustration
shown in the subsequent pages
Annualized Premium : Rs. 20000
i) The benefits shown in the illustration on subsequent pages are calculated on
the assumption that the Projected Investment Rate of Return that LICI will be

Risks Covered able to earn throughout the term of the policy will be 6% p.a. or 10% p.a., as
the case may be. The Projected Investment Rate of Return is not guaranteed.
ii) The main objective of the illustration is that the client is able to appreciate the
Basic Life Cover : Rs. 320000
features of the product and the flow of benefits in different circumstances with
Accident Cover : Rs. 0 some level of quantification. While the presenter has taken full care to give
correct picture of benefits, the presenter does not undertake any responsibilities
Critical Illness Cover : Rs. 0
of inaccuracies that might have reflected in the illustration.

Presented by:

Harish Chand
Delhi LIC Agent
577, GH-9, PASCHIM VIHAR
NEW DELHI- 110087
INDIA, 9811896425, 9212201725
www.delhiLICagent.com
 Harish Chand
Delhi LIC Agent

577, GH-9, PASCHIM VIHAR

NEW DELHI- 110087
INDIA, 9811896425, 9212201725
www.delhiLICagent.com

Endowment Plus Plan Presentation For Harish Chand age 29 years

Risk Covered
Mode of Premium : Yearly
Installment Premium : Rs. 20000 Life Cover : Rs. 320000
Date of Report : 12/11/2010 Accident Cover : Rs. 0
Term : 15 Crit. Illness Cover : Rs.0

Growth of Secured fund under Scenario I-6%**

End of Total
Policy Annual Fund/Cash Death Service
Premium
Year Age Premium Value Benefit Charges Tax Total
Paid

1 30 20000 20000 18594 320000 913 71 985

2 31 20000 40000 38707 320000 1013 95 1109
3 32 20000 60000 59892 320000 1118 121 1239
4 33 20000 80000 82197 320000 1238 149 1387
5 34 20000 100000 105678 320000 1366 178 1545
6 35 20000 120000 130820 320000 1503 210 1713
7 36 20000 140000 157292 320000 1643 243 1886
8 37 20000 160000 185167 320000 1789 278 2066
9 38 20000 180000 214527 320000 1937 313 2250
10 39 20000 200000 245458 320000 2085 350 2435
11 40 20000 220000 278056 320000 2230 388 2619
12 41 20000 240000 312426 320000 2372 427 2799
13 42 20000 260000 348624 348624 2556 472 3027
14 43 20000 280000 386698 386698 2792 523 3315
15 44 20000 300000 426745 426745 3042 577 3619

** Subject to conditions printed on the cover page.

# You have the option of receiving maturity amount of Rs. 426745 at the age of 44 years in 2025 .

* For private circulation only

Harish Chand
Delhi LIC Agent

577, GH-9, PASCHIM VIHAR

NEW DELHI- 110087
INDIA, 9811896425, 9212201725
www.delhiLICagent.com

Endowment Plus Plan Presentation For Harish Chand age 29 years

Risk Covered
Mode of Premium : Yearly
Installment Premium : Rs. 20000 Life Cover : Rs. 320000
Date of Report : 12/11/2010 Accident Cover : Rs. 0
Term : 15 Crit. Illness Cover : Rs.0

Details of Charges Under Scenario I-6 %

Risk Charges Other Charges

Life Cover Accident Cover Critical Illness

Fund Service
Year Age Rate Amount Rate Amount Rate Amount Mgnt. Allocation Admin Tax Total

2011 30 1.46 442 0.50 - 1.09 - 111 1500 360 71 2485

2012 31 1.46 414 0.50 - 1.16 - 229 1000 371 95 2109
2013 32 1.46 384 0.50 - 1.27 - 353 1000 382 121 2239
2014 33 1.50 362 0.50 - 1.36 - 483 1000 393 149 2387
2015 34 1.56 341 0.50 - 1.48 - 620 1000 405 178 2545
2016 35 1.64 318 0.50 - 1.64 - 767 600 417 210 2313
2017 36 1.73 291 0.50 - 1.80 - 922 600 430 243 2486
2018 37 1.85 261 0.50 - 1.99 - 1085 600 443 278 2666
2019 38 1.99 224 0.50 - 2.23 - 1257 600 456 313 2850
2020 39 2.15 177 0.50 - 2.54 - 1438 600 470 350 3035
2021 40 2.33 118 0.50 - 2.88 - 1628 600 484 388 3219
2022 41 2.57 45 0.50 - 3.26 - 1829 600 498 427 3399
2023 42 2.81 2 0.50 - 3.59 - 2041 600 513 472 3627
2024 43 3.02 - 0.50 - 4.06 - 2264 600 529 523 3915
2025 44 3.25 - 0.50 - 4.40 - 2498 600 545 577 4219

* For private circulation only

 Harish Chand
Delhi LIC Agent

577, GH-9, PASCHIM VIHAR

NEW DELHI- 110087
INDIA, 9811896425, 9212201725
www.delhiLICagent.com

Endowment Plus Plan Presentation For Harish Chand age 29 years

Risk Covered
Mode of Premium : Yearly
Installment Premium : Rs. 20000 Life Cover : Rs. 320000
Date of Report : 12/11/2010 Accident Cover : Rs. 0
Term : 15 Crit. Illness Cover : Rs.0

Growth of Secured fund under Scenario I-10%**

End of Total
Policy Annual Fund/Cash Death Service
Premium
Year Age Premium Value Benefit Charges Tax Total
Paid

1 30 20000 20000 19311 320000 915 72 987

2 31 20000 40000 40967 320000 1021 97 1118
3 32 20000 60000 64641 320000 1135 125 1260
4 33 20000 80000 90509 320000 1268 157 1425
5 34 20000 100000 118775 320000 1415 192 1607
6 35 20000 120000 150100 320000 1575 230 1805
7 36 20000 140000 184339 320000 1744 271 2015
8 37 20000 160000 221768 320000 1923 316 2239
9 38 20000 180000 262696 320000 2110 364 2474
10 39 20000 200000 307464 320000 2300 415 2715
11 40 20000 220000 356401 356401 2538 474 3012
12 41 20000 240000 409823 409824 2857 545 3402
13 42 20000 260000 468141 468141 3208 622 3830
14 43 20000 280000 531804 531804 3589 707 4296
15 44 20000 300000 601302 601302 4005 799 4804

** Subject to conditions printed on the cover page.

# You have the option of receiving maturity amount of Rs.601302 at the age of 44 years on 2025.

* For private circulation only

Harish Chand
Delhi LIC Agent

577, GH-9, PASCHIM VIHAR

NEW DELHI- 110087
INDIA, 9811896425, 9212201725
www.delhiLICagent.com

Endowment Plus Plan Presentation For Harish Chand age 29 years

Risk Covered
Mode of Premium : Yearly
Installment Premium : Rs. 20000 Life Cover : Rs. 320000
Date of Report : 12/11/2010 Accident Cover : Rs. 0
Term : 15 Crit. Illness Cover : Rs.0

Details of Charges Under Scenario II-10 %

Risk Charges Other Charges

Life Cover Accident Cover Critical Illness

Fund Service
Year Age Rate Amount Rate Amount Rate Amount Mgnt. Allocation Admin Tax Total

2011 30 1.46 442 0.50 - 1.09 - 113 1500 360 72 2487

2012 31 1.46 412 0.50 - 1.16 - 238 1000 371 97 2118
2013 32 1.46 379 0.50 - 1.27 - 374 1000 382 125 2260
2014 33 1.50 352 0.50 - 1.36 - 523 1000 393 157 2425
2015 34 1.56 324 0.50 - 1.48 - 685 1000 405 192 2607
2016 35 1.64 292 0.50 - 1.64 - 865 600 417 230 2405
2017 36 1.73 252 0.50 - 1.80 - 1062 600 430 271 2615
2018 37 1.85 203 0.50 - 1.99 - 1277 600 443 316 2839
2019 38 1.99 141 0.50 - 2.23 - 1513 600 456 364 3074
2020 39 2.15 60 0.50 - 2.54 - 1770 600 470 415 3315
2021 40 2.33 2 0.50 - 2.88 - 2052 600 484 474 3612
2022 41 2.57 - 0.50 - 3.26 - 2359 600 498 545 4002
2023 42 2.81 - 0.50 - 3.59 - 2694 600 513 622 4430
2024 43 3.02 - 0.50 - 4.06 - 3061 600 529 707 4896
2025 44 3.25 - 0.50 - 4.40 - 3460 600 545 799 5404

* For private circulation only