Market Insights

 Savings – Future Provision

 Need for Cash

Flow/Pension

 Untapped HNI Segment

 Huge Disposable Income

 Black Economy
 Consumer Behavior
• Ego Satisfaction
• Convenience
• Comfort
• Grandeur
• Emotions… Fear /
Happiness … etc.
• Belief
• Familiarity
• Simplicity
 Tax Benefits
Sec 80 C
Sec 10 10(D)
Tax Free Yearly
Money back
 Product Attributes

• 100% Tax free

• Great Returns
• Lifetime Monthly Income
• Life Cover
 Positioning
 Start in life for the son.
 As a Children’s Plan
 As a Pension idea…
 As a Second Income…
 As a father’s gift to the
daughter.
 Ideal gift of the grand parents
for the grand children.
 Cash Flow for charity
 Payment Options
 Single – As a gift from Grand parents / Parents.
Channelize bulk income from land / property
deals. Also attractive for Pensioners/Women,
NRI’s & others

 10, 15 yrs – Suitable for age 30’s & children

aged 8 and above.

 10 yrs ( 6 yrs premium paying term )Suitable

for NRI’s and others having hi income … like
actors, Software Professionals, Doctors.

 20 yrs – Suitable for new born & children . Also

to plan second income / retirement solutions.
• Incomparable returns – Higher than Bank / Post Office.
• The Unique product in the market.
• Sec 80C Sec 10(10D) – a unique blend – Money back, Life
time Cash Flow, Death Claim + Loyalty Addition.
• Long term RBI bond now trades at 4.9% signalling the
onset of a low interest rates.
• Best for NRI / NRE as interest rates are negligible abroad.
• Flat Premium upto age 40 – easy to detail & present.
– Use Assignment as a tool to maximize returns.
 Well Suited For NRIs
• NRIs can pay the premium through
NRE/NRO accounts.
• Claim, Survival Benefit etc. will be credited
to the same account.
• Financial protection/prudent wealth
accumulation through LIC.
 12 Policies Concept
• Choose October
Save : Back dating interest.
Less Corpus as initial outgo.
Complete for full sum assured
Medical valid for 6 months
Last 3 months complete on DGH.
Pay & Accumulate
Pay 4.82 x12 = 57.84 lakhs (x 20 )
You pay just Rs 11.57 Crs
You Get (after 20 years) Approx = Rs 18 Cr
For entire lifetime…Rs 5.5 lakh * 12
Guaranteed Money Back =66
lakhs / Yr
Totally 100% Taxfree.
Very Attractive Returns.
Age ; 0/ 10/ 20/ 30/ 40 In case of death
SA 1 Cr Prem 4.82 x 12 Pol 12 crores
57.84 x 20 yrs +
20 yrs Total Outgo = 11.57 cr Bonus

Approx Bonus After 20 Yrs) 18 cr.

21st Year onwards Yearly Income 66 lakh
70 yr. span ( 66 x 70 ) 46.20 cr.
Death Claim 12.00 cr
Loyalty Addition( approx) 12.00 cr
LIKELY TOTAL BENEFITS 88.20 CRORES
Great Value to benefit 3 Generations
 5.5 % or M oRE
 Always inform the fixed benefit eg Rs 2.75 lakh
guaranteed moneyback 100% Taxfree every month for
an entire lifetime. ( for 50 lac *12 Policies)
 After accumulation period LIC pays out bonus which
could be 1.5 times the Premium paid in the event of 20
year term. In 15 year term it could be return of the
premiums paid. All 100% Tax free. Meanwhile you have
got tax rebate for the Premiums paid every year.
 Hence actual returns are incredibly attractive so quote
only the monetary value as Survival benefit. % is not
relevant & should be used only to calculate the SB.
Death Benefit
12 Crores
+ Loyalty Additions
 Unlimited Moneyback

• Rs.5.5 lakh every month

• 10 -12% Return
• Very Flexible Cash Flow
Plan
 Summing Up

• Cash flow & Wealth creation of about Rs 100 Cr Corpus.

• Unlimited Money Back
• One Plan– 3 generations
• Liquidity, Tax Cover, Life Time
Risk cover.
 www.scribd.com/babujee

• KNG BABUJEE
• Certified Financial Consultant
(All Insurance / All Mutual Funds / All Fixed Deposits / Real
Estate)

• LIC
• No.15/38, Second Floor,
Annasalai,Chennai-600002

• Mobile No: 9884635430

• Email mca_babujee@yahoo.com
• Profile: http://www.scribd.com/babujee
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