2. Why MF ?
What Investor wants ?
What is ULIS ?
Why not ULIS ?

3. Mutual Fund / Equity Investment
Best and Safest !!!! Option for wealth creation
Equity Investment definitely perform If………….
Proper Allocation of Equity and Debt Products
Investing as per the profile of Investor ( Wide Range of Products are available from 100 % Equity to 100 % Debt )
Ready to wait attitude, timing and Systematic approach to investment Now Nomura Asset Management Japan holds 60% in LIC MF

4. Investor's Expectation
Resaonable Return
Value Addition
Life Insurance
Accidental Death Cover

5. Investor's Expectation
Cheaper Cost
Liquidity or Exit Without Cost
No Hidden Cost
Simplicity - Less Requirement
Consistency

6. Investor's Expectation
Multiple Options
Tax Exemption
Tax Free Maturity
Some Guarantee
LIC Brand Name

7. Matching most of the Investor's Expectation.
LICMF PRESENTS It's UNIQUE PRODUCT
WITH MULTIPLE BENEFITS
Matching most of the Investor's
Expectation.

8. What Is ULIS ? Asset allocation : 65 – 80 % Equity And 20 – 35 % Debt
IT IS OPEN ENDED BALANCE FUND WITH MULTIPLE BENEFITS
Asset allocation : 65 – 80 % Equity
And
20 – 35 % Debt
OBJECTIVE OF THE FUND TO GENERATE LONG TERM CAPITAL APPRICIATION, OFFER TAX EXEMPTION ALONG WITH SOME ADDITIONAL BENEFITS LIKE LIFE INSURANCE AND ACCIDENTAL DEATH COVER

9. Parameters: Age at Entry: 12 to 60 Years Max Age at Maturity: 70 Years
Fund type and Option Balance Fund – Div Reinvest
Minimum Life Insurance 10,000/- for 10 years
15,000/- for 15 years
Maximum Life Insurance 15,00,000/-
Maximum Acc. Death Cover 7,50,000/-
Entry Load: %
Exit Load: Nil
Premature Withdrawal: After 3 Years
Partial Withdrawal Allowed
Mode of Payment Single, Yearly, Half Yearly, SIP
Term – 10 – 15 Years

10. INSURANCE COVER Death within six months of investment
Repurchase value of units
Death between six months & 1 yr of investment
Repurchase value + ½ of the target amount

11. Death Benefit : Type of Cover
Death after one year of investment
(a) Single Premium & Regular Premium (Uniform Risk Cover)
NAV of Accumulated Units + TARGET AMOUNT
(b) Regular Premium (Reducing/Decreasing Risk Cover)
NAV of accumulated Units + UNPAID CONTRIBUTION TO TARGET AMOUNT

12. WHAT IS TARGET AMOUNT ?
LIFE INSURANCE COVER ON Rs.1000 INVESTMENT
TERM
YEARLY
HALF YEARLY
SIP
10 YEAR
1,000*10 = 10,000
1,000*2*10=20,000
1,000*12*10=1,20,000
15 YEAR
1,000*15=15,000
1,000*2*15=30,000
1,000*12*15=1,80,000
In case of Single Plan Investment amount = Target amount = Life Insurance
WHAT IS MAXIMUM LIMIT FOR INVESTMENT ?
TERM
YEARLY
HALF YEARLY
SIP
10 YEAR
1,50,000*10 = 15,00,000
75,000*2*10=15,00,000
12,500*12*10=15,00,000
15 YEAR
1,00,000*15=15,00,000
50,000*2*15=15,00,000
8,300*12*15=14,94,000
SINGLE PREMIUM - NO LIMIT
Requirement for Life insurance up to Rs. 15,00,000 + Acc. Death cover up to Rs. 7,50,000 ( Total 22,50,000) for ages between 12 to 60 is Common application + copy of PAN card or KYC

13. HOW ULIS WORKS?
Every time when investor pays his installment – Life Insurance Premium is deducted from that initial investment.
Any time during the year when fund declares Dividend – It gets reinvested without any load at ex- Div NAV.
In case of uniform risk cover at any time during the period if investor dies , Nominee becomes eligible for NAV of accumulated units plus TARGET AMOUNT.
In case of accidental death nominee becomes eligible for NAV of accumulated units plus Double the TARGET amount ( Subject to Maximum Accident benefit limit of Rs. 7.5 lacs)
On maturity investor becomes eligible for NAV of all Accumulated units ( From his investment as well as dividend reinvestment) plus GUARANTEED MATURITY BONUS !!!

14. What is insurance cost ?
INSURANCE PREMIUM FOR 15,00,000 INSURANCE + 7,50,000 ACCIDENTAL DEATH COVER
AGE
10 YEAR TERM ( i.e from Rs. 1,50,000 )
Cost per 1,00,000 Insurance
15 YEAR TERM ( i.e from Rs. 1,00,000 )
Cost per 1,00,000 30
2259 (1.50 %)
150.60
1659 (1.65 %)
110.60 35
3241 (2.16 %)
216.06
2421 (2.42 %)
161.40 40
5058 (3.37 %)
337.20
3841 (3.84 %)
256.06 45
8286 (5.52 %)
552.40
6167 (6.61 %)
411.33 50
13297 (8.86 %)
886.46
9825 (9.82 %)
655.00 55
19044 (12.69 %)
15485 (15.48 %) 60
30201 (20.13 %)
***************
***********
In case of reducing cover insurance cost for age 60 for 15 lacs is Rs /- only.

15. ACTUAL INVESTMENT COST
AGE
INSURANCE
ULIS YLY PREMIUM
ENDOWMENT PLAN YLY PREMIUM
YOU SAVE 30
15,00,000
1,00,000
1,01,295
1,295 35
1,02,750
2,750 40
1,05,212
5,212 45
1,09,225
9,225 50
1,15,555
15,555 55
1,25,594
25,594

16. TERM INSURANCE COST (15 Yr Term )without Accident Rider
AGE
INSURANCE
ULIS COST ( 15 Yr Term )
TERM INSURANCE COST (15 Yr Term )without Accident Rider
YOU SAVE 30
15,00,000
1659
3540
1881 35
2421
4410
1989 40
3841
6105
2264 45
6167
8970
2803 50
9825
13605
3780 55
15485
20910
5425

17. WE OFFER NAV PLUS GUARANTEED MATURITY BONUS ON MATURITY
AGE
INSURANCE
ULIS PREMIUM COST
MATURITY 15% of Target Amount
NET GAIN OVER PREMIUM 30
15,00,000
1659*15=24885
2,25,000
2.00,115 35
2421*15=36315
1,88,685 40
3841*15=57615
1,67,385 45
6167*15=92505
1,32,495 50
9825*15=147375
77,625 55
15485*15=232275
(-) 7275

18. Consistent Dividend Record:
YEAR
DIVIDEND
12.50%
10.00%
13.00%
13.50%
7.50%
15.00%
17.00%
20.00%
6.00%
28.00%
44.00%
NIL
30.00%

19. Why not ULIS ?
Resaonable Return - Time tasted Product - Since inseption 15 %
Life Insurance - Up to 15 Lacs Max. Age At Entry 60
Accidental Death Cover - Max up to Rs. 7.5 Lacs
Cheaper Cost - Insurance charges and loads are comparatively very less

20. Why not ULIS ?
Liquidity or Exit Without Cost - Nil Exit load - Partial Withdrawal allowed
No Hidden Cost - No monthly or other maintaince charges
Simplicity - Less Rquirement - No medical - Only CAF + PAN/KYC
Consistency - Product with more than 20 year track record

21. Why not ULIS ? Multiple Options - Diffrent terms and Mode of payments
Tax Exemption - Up to Rs. 1 Lacs u/s 80C
Tax Free Maturity - No long term capital gain
Guaranty - Guaranteed Maturity Bonus

22. LIC ULIS
Now in this fund Debt shall be 35% which shall be managed by experts from LIC Mutual Fund and Equity 65% shall be managed by professional fund managers from Nomura Asset Management Company Japan

23. Comparison with other similar products
SIP INSURANCE offered by two or three MFs offers Life insurance up to age at entry 45 only. Maturity age is restricted to either 55 or 60.
They offer this product only through SIP where we offer multiple options.
On maturity they offer only NAV – Whereas we offer NAV + GMB
UTI ULIP offers GMB as 5 % or Max 7.5 %
They charge Exit Load subject to condition – Ours is NIL
Limited Liquidity – Once you discontinue SIP and wants to withdraw you have to pay exit load or have to stay till the SIP period.
Ours is Balance / Div Reinvestment option where as UTI ULIP is debt oriented and others are offering 100 % equity funds ( Which go either way in terms of performance )
UTI ULIP Offers Accidental Death cover of Rs. 50,000 only irrespective of Investment.
UTI ULIP do not option for 5 year term

24. Comparison with other similar products
Minimum Investment under SIP mode is Rs. 1,000 other than UTI ULIP
We offer 120 times insurance of SIP in 10 year term and 180 times for 15 year term…
We allow STP also … Which is not the case with any other product
For UTI ULIP SIP through PDC you have to deposit 24 months cheques in advance

25. Ascent Financial Consultants Our services
All Kinds of Mutual Funds available in the market.
Monthly Income Plans
Retirement Planning
Child Education Planning
Mediclaim from Reputed Private Standalone mediclaim company.
Complete Customer Satisfaction guaranteed.

26. Contact Details:
SATYA PRAKASH MISHRA
Address: 201 , B- Wing 2, Gayatri Darshan, near- Saraswati School, Tulinj Road, Nalasopara (East). City: Mumbai State: Maharashtra
Mobile:                    

27. Thank You