Jeevan Saral

Name

Age

32

Reena Tanwar

Term

Basic Mly premium

Select Loyalty Addition

16

DAB(Yes=1)

2000
Give LA/000 SA

1000
Assumed LA

800

Show assumed loyalty addition in risk coverage.

Show return of premium in risk coverage

Give term rider amount of

100000
View report

Created by: LJ Anish,Dev. Officer, LIC.

www.ourlic.blogspot.com mail: anishlj@yahoo.com

BMSA

14
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
53
54
55
56
57
58
59
60

20694
1

2555
3
2583
2581
2577
2574
2570
2568
2568
2566
2563
2563
2563
2564
2561
2559
2555
2548
2542
2531
2520
2509
2494
2477
2459
2439
2422
2398
2372
2339
2301
2260
2211
2158
2100
2038
1971
1897
1819
1736
1654
1568
1473
1357
1221

3632
4
3671
3665
3662
3659
3656
3653
3649
3650
3646
3646
3646
3643
3644
3637
3632
3623
3610
3595
3580
3562
3541
3516
3492
3467
3440
3403
3363
3317
3265
3203
3135
3061
2980
2892
2798
2694
2587
2475
2360
2232
2091
1920
1718

4711
5
4765
4757
4753
4749
4745
4741
4737
4737
4738
4733
4733
4730
4726
4718
4711
4695
4680
4665
4641
4614
4587
4560
4524
4489
4450
4404
4349
4286
4215
4136
4045
3945
3841
3724
3599
3465
3325
3181
3025
2851
2651
2416
2139

5856
6
5927
5922
5917
5912
5908
5903
5897
5898
5898
5893
5893
5889
5879
5870
5856
5837
5819
5795
5767
5733
5700
5662
5619
5571
5519
5456
5384
5303
5211
5109
4991
4868
4730
4580
4420
4259
4081
3893
3683
3451
3181
2866
2503

7048
7
7143
7131
7125
7119
7113
7113
7107
7107
7101
7102
7097
7092
7081
7064
7048
7026
6998
6964
6931
6891
6846
6801
6744
6688
6620
6541
6443
6340
6225
6098
5952
5799
5627
5443
5250
5051
4832
4587
4316
4004
3659
3250
2827

8289
8
8411
8397
8390
8391
8384
8377
8377
8370
8371
8364
8359
8346
8334
8315
8289
8264
8225
8186
8148
8095
8042
7984
7919
7840
7755
7657
7544
7410
7269
7106
6936
6744
6536
6319
6093
5837
5558
5256
4907
4517
4068
3595
3037

9598
9
9750
9742
9735
9727
9718
9719
9711
9703
9704
9689
9683
9669
9647
9627
9598
9562
9517
9473
9421
9362
9303
9229
9139
9041
8937
8817
8681
8520
8351
8156
7944
7714
7473
7215
6938
6626
6277
5893
5460
4970
4460
3841
3129

10979
10
11174
11165
11156
11147
11147
11138
11129
11121
11113
11107
11091
11076
11053
11020
10979
10939
10889
10840
10773
10707
10623
10531
10431
10313
10187
10033
9870
9679
9479
9248
8998
8726
8442
8128
7794
7408
6979
6508
5969
5407
4744
3971
3059

10

11

12

13

14

15

16

17

12469
11
12700
12690
12680
12670
12671
12661
12651
12643
12635
12618
12601
12574
12549
12503
12469
12414
12359
12295
12210
12127
12035
11923
11802
11661
11499
11329
11125
10901
10654
10384
10101
9795
9453
9076
8653
8194
7672
7087
6463
5761
4922
3949

13960
12
14241
14230
14218
14219
14208
14198
14189
14180
14160
14142
14112
14085
14046
14009
13960
13899
13828
13747
13655
13553
13442
13308
13164
12998
12809
12596
12373
12113
11827
11513
11173
10807
10401
9957
9459
8892
8266
7598
6841
5945
4915

15544
13
15894
15895
15883
15871
15859
15849
15826
15818
15797
15779
15748
15705
15664
15610
15544
15480
15390
15303
15191
15068
14935
14777
14608
14414
14194
13948
13675
13375
13043
12697
12308
11875
11384
10847
10249
9571
8860
8051
7103
6004

17274
14
17699
17685
17672
17659
17648
17622
17614
17591
17571
17537
17490
17460
17401
17344
17274
17191
17080
16973
16854
16708
16551
16365
16152
15927
15673
15390
15076
14728
14365
13936
13477
12969
12395
11752
11037
10287
9409
8394
7230

19150
15
19656
19641
19628
19615
19587
19578
19553
19531
19494
19459
19410
19362
19300
19223
19150
19046
18930
18800
18640
18485
18283
18085
17839
17579
17287
16962
16599
16201
15769
15283
14725
14132
13444
12696
11869
10940
9879
8655

20694
16
21296
21281
21249
21237
21228
21201
21177
21137
21100
21065
21014
20947
20883
20786
20694
20587
20448
20296
20130
19931
19720
19474
19195
18902
18573
18204
17797
17353
16852
16294
15657
14959
14175
13329
12350
11252
9978

22262
17
22965
22951
22918
22908
22879
22853
22810
22770
22733
22678
22626
22558
22475
22376
22262
22134
21971
21794
21602
21376
21135
20858
20544
20214
19841
19428
18975
18462
17888
17251
16527
15711
14852
13851
12723
11406

23833
18
24662
24627
24616
24585
24557
24511
24490
24428
24392
24336
24264
24174
24091
23970
23833
23682
23515
23311
23093
22836
22564
22252
21901
21527
21111
20653
20130
19543
18889
18167
17322
16431
15415
14264
12912

25426
19
26361
26349
26317
26287
26237
26215
26173
26110
26051
25997
25902
25813
25708
25587
25426
25249
25056
24824
24576
24311
23980
23632
23260
22844
22358
21855
21257
20590
19850
19006
18088
17064
15870
14519

18

19

20

21

22

23

24

25

26

27012
20
28106
28071
28039
28012
27963
27918
27876
27814
27731
27655
27586
27474
27345
27200
27012
26834
26614
26351
26071
25747
25405
25012
24598
24111
23606
23001
22351
21596
20733
19819
18765
17562
16164

28615
21
29845
29812
29783
29731
29683
29639
29572
29511
29430
29357
29238
29129
28975
28804
28615
28410
28160
27864
27550
27188
26801
26393
25908
25376
24796
24140
23374
22524
21592
20512
19307
17930

30204
22
31601
31571
31544
31493
31446
31375
31311
31225
31147
31050
30935
30772
30620
30420
30204
29969
29686
29385
29034
28627
28197
27748
27218
26609
25950
25207
24346
23398
22329
21129
19717

31802
23
33402
33344
33290
33240
33196
33127
33036
32954
32851
32729
32587
32426
32247
32049
31802
31536
31219
30881
30485
30066
29593
29070
28463
27804
27058
26188
25263
24212
22991
21584

33376
24
35155
35129
35045
34997
34925
34861
34774
34665
34568
34418
34281
34092
33883
33656
33376
33075
32721
32338
31932
31471
30922
30355
29664
28919
28078
27184
26122
24920
23527

34952
25
36945
36889
36839
36763
36695
36603
36488
36385
36261
36116
35917
35732
35492
35233
34952
34615
34214
33824
33342
32839
32246
31597
30854
30014
29079
28048
26873
25501

36492
26
38741
38653
38607
38500
38439
38317
38208
38077
37960
37786
37591
37375
37103
36808
36492
36109
35701
35233
34746
34164
33525
32788
31951
31057
30023
28841
27497

38019
27
40503
40418
40342
40277
40186
40071
39933
39771
39625
39420
39231
38983
38674
38381
38019
37632
37143
36674
36066
35439
34712
33922
33033
31999
30856
29504

39495
28
42263
42183
42114
42018
41897
41751
41620
41466
41289
41091
40830
40546
40238
39900
39495
39067
38577
38027
37374
36658
35878
34998
34012
32870
31559

27

28

29

30

31

32

33

41001
29
44020
43947
43846
43718
43605
43466
43304
43118
42909
42676
42419
42139
41786
41405
41001
40490
39960
39324
38623
37857
36988
36011
34873
33609

42410
30
45772
45665
45530
45411
45307
45136
44940
44763
44518
44292
43998
43672
43319
42898
42410
41857
41286
40604
39807
38952
38034
36903
35694

43803
31
47472
47375
47248
47095
46959
46797
46565
46353
46115
45852
45511
45187
44747
44332
43803
43209
42547
41768
40979
40028
38957
37758

45132
32
49161
49028
48912
48768
48598
48400
48177
47927
47651
47340
47002
46638
46204
45702
45132
44494
43735
42917
42034
40978
39791

46390
33
50836
50666
50514
50382
50174
49987
49724
49482
49157
48852
48471
48069
47545
47003
46390
45705
44910
43996
43011
41839

47621
34
52446
52286
52145
51927
51729
51503
51248
50959
50638
50291
49870
49429
48864
48279
47621
46851
45959
44995
43841

48730
35
54035
53886
53707
53499
53261
52993
52741
52405
52095
51655
51247
50712
50158
49474
48730
47920
46980
45846

2555
3632
4711
5856
7048
8289
9598
10979
12469
13960
15544
17274
19150
20694
22262
23833
25426
27012
28615
30204
31802
33376
34952
36492
38019
39495
41001
42410
43803
45132
46390
47621
48730

Loyalty
Name

TRUE
FALSE
Manual
Auto
Reena Tanwar
Term fill Age fill
10
12
11
13
12
14
13
15
14
16
15
17
16
18
17
19
18
20
19
21
20
22
21
23
22
24
23
25
24
26
25
27
26
28
27
29
28
30
29
31
30
32
31
33
32
34
33
35
34
36
35
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54

Name
Reena Tanwar
AssumedLoyalty addition
Age
32
50
50
Term
16
AssumedLoyalty addition in risk cover
Basic mly premium
2000
Return of premium in risk cover
32 Age
32
*Loyalty addition
*Loyalty
at the
addition
rate of
rate
Rs.shown
1000 per
is just
100a
Term
16
Maximum risk cover
1374180
Basic mly premium
2000
1 Accident Benefit1
1
0
Yearly
24020
23520
24020
Hly
12130
11880
12130
Qly
6125
6000
6125
SSS
2042
2000
2042
Risk SA
500000
BMSA
20694
Maturity SA
413880
Assumed loyalty rate
800
Assumed loyalty
331104
Manual loyalty rate 1000
Manual loyalty
413880
Selected Loyalty
413880
Maturity age
48

800
1000

55
56
57
58
59
60

oyalty addition

Version
2.5
Term rider TRUE
100000
50
50
100000
y addition in risk cover TRUE
1
f premium in risk cover TRUE
1
ddition rate shown is just an assumed rate based on the past experience on other plans and is not guaranteed.
1874180
BMSA
MSA
SV
LA
Manual LA
3
2555
51100
40880
0
0
4
3632
72640
65376
0
0
5
4711
94220
94220
0
0
6
5856
117120
117120
0
0
7
7048
140960
140960
0
0
8
8289
165780
165780
0
0
9
9598
191960
191960
0
0
10
45
10
10979
219580
219580
98811
219580
11
45
11
12469
249380
249380
123443
249380
12
45
12
13960
279200
279200
150768
279200
13
45
13
15544
310880
310880
181865
310880
14
45
14
17274
345480
345480
217652
345480
15
45
15
19150
383000
383000
258525
383000
16
50
16
20694
413880
413880
331104
413880
17
50
17
22262
445240
445240
378454
445240
18
50
18
23833
476660
476660
428994
476660
19
50
19
25426
508520
508520
483094
508520
20
50
20
27012
540240
540240
540240
540240
21
55
21
28615
572300
572300
661007
572300
22
55
22
30204
604080
604080
730937
604080
23
55
23
31802
636040
636040
804591
636040
24
55
24
33376
667520
667520
881126
667520
25
55
25
34952
699040
699040
961180
699040
26
60
26
36492
729840
729840 1138550
729840
27
60
27
38019
760380
760380 1231816
760380
28
60
28
39495
789900
789900 1327032
789900
29
60
29
41001
820020
820020 1426835
820020
30
60
30
42410
848200
848200 1526760
848200
31
65
31
43803
876060
876060 1765261
876060
32
65
32
45132
902640
902640 1877491
902640
33
65
33
46390
927800
927800 1990131
927800
34
65
34
47621
952420
952420 2104848
952420
35
65
35
48730
974600
974600 2217215
974600

Plan presentation from www.ourlic.blogspot.com

Jeevan Saral
(165-16)

Version:2.5

Plan presentation specially customised for Reena Tanwar, aged 32 years.

Jeevan Saral is a versatile plan from Life Insurance Corporation of India with features of
conventional plans and flexibility of unit linked plans.
It provides:

Higher insurance cover

Smooth returns
Flexibility and liquidity
You are provided the freedom to choose the premium you want to pay. Once premium is chosen
Insurance coverage and the maturity benefit is derived from it.

Basic conditions
Minimum age at entry

12 years

Maximum age at entry

60 years

Minimum term
Maximum term

10 years
35 years

Minimum premium (Age 12 to

49)
Minimum premium (Age 50 to
60)
Maximum premium
Premium in multiples of

Rs.250 per month

Rs 400 per month
No limit
Rs 50 per month

Salient Features
Maturity benefits : Maturity Sum Assured (MSA) + Loyalty additions
Death benefit: 250 times of the basic monthly premium + Return of premium paid
(excluding 1st year premium) + Loyalty additions.
Loyalty addition: will be declared after the policy has been in full force for at least 10
years.
Auto cover: If the policy is in force for more than three years, the risk coverage will
continue for another 12 months even if the premiums are not paid in that period.
Surrender charge: No surrender charge will be deducted from policies surrendered
after 5 years.
Partial surrender: is available after 3 years and provides a smooth return on your
needs.

Basic monthly premium considered is Rs.2000

Minimum risk coverage available is Rs.500000 and maximum risk coverage is Rs.1374180
Accident cover increases from Rs.1100000 to Rs.1874180 during the policy period.
Premium
Yearly
Half yearly
Quarterly
Mly(SSS)

24020
12130
6125
2042

Maturity benefit
Maturity sum assured
Assumed loyalty addition
Total maturity benefit
Total premium paid

*Loyalty addition at the rate of Rs. 1000 per 1000 maturity SA is shown just for illustration purpose

413880
413880
827760
384320

Plan presentation from www.ourlic.blogspot.com

Jeevan Saral
Year
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

Premium
Maturity
SumAssured
Paid
24020
48040
72060
96080
120100
144120
168140
192160
216180
240200
264220
288240
312260
336280
360300
384320
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
51100
72640
94220
117120
140960
165780
191960
219580
249380
279200
310880
345480
383000
413880
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

Manual
Loyalty*

0
0
0
0
0
0
0
0
0
219580
249380
279200
310880
345480
383000
413880
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

Surrender
Value
0
0
51100
72640
94220
117120
140960
165780
191960
439160
498760
558400
621760
690960
766000
827760
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

Term
Rider
100000
100000
100000
100000
100000
100000
100000
100000
100000
100000
100000
100000
100000
100000
100000
100000
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

*Loyalty addition at the rate of Rs. 1000 per 1000 maturity SA is shown just for illustration purpose

Page 2

Normal
coverage
600000
624020
648040
672060
696080
720100
744120
768140
792160
1035760
1089580
1143420
1199120
1257740
1319280
1374180
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

(165-16)
Accident
coverage
1100000
1124020
1148040
1172060
1196080
1220100
1244120
1268140
1292160
1535760
1589580
1643420
1699120
1757740
1819280
1874180
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0