JEEVAN LABH Plan No.836

Endowment Plan Limited Premium Paying Term Non-Linked With Bonus & FAB

Only 3 Policy Terms Options Option -Term - Premium Paying Term 1 Only 3 Policy Terms Options Option -Term - Premium Paying Term 1. 16yrs – 10yrs 2. 21yrs – 15yrs 3. 25yrs – 16yrs

Eligibility: Age at Entry Minimum : 8yrs completed Maximum: 59yrs Nbd for Policy Term 16yrs 54yrs Nbd for Policy Term 21yrs 50yrs Nbd for Policy Term 25yrs

Sum Assured: Minimum : Rs Sum Assured: Minimum : Rs.2,00,000/- (in multiples of 10,000) Maximum: No Limit

Maturity Benefits: Basic Sum Assured + Bonus + F A B

Death Benefits: Sum Assured on Death + Bonus + FAB

Sum Assured on Death = Higher of 1. 10 times of Annualised Premium 2 Sum Assured on Death = Higher of 1. 10 times of Annualised Premium 2. Basic Sum Assured 3. 105% of Total Premiums paid

Accidental Death & Disability Benefit Rider Optional – Additional Premium Available from 18yrs of Age Cover Available up to Policy Term Or Age 70 Nbd, Which Ever is Earlier Can be Added at Any Time (O/S PPT 5yrs) Maximum AB Cover 100 Lakhs

New Term Assurance Rider Optional – Additional Premium Available from 18yrs of Age Cover Available up to Policy Term Can be Added at Proposal Stage Only Maximum TR Cover 25 Lakhs

Mode of Premium Payment Yearly – 2% Rebate Half Yearly – 1% Rebate Quarterly - Nil Monthly - Nil (ECS/SSS)

High Sum Assured Rebate 2,00,000 to 4,90,000 – Nil 5,00,000 to 9,90,000 – 1.25% 10,00,000 to 14,90,00 – 1.50% 15,00,000 and Above - 1.75% per Rs.1000 B.S.A

Age Proof: - Std. or non-std. proof allowed. Female:- Category I, II & III Allowed. Non-medical scheme. N.M.G. & N.M.S. allowed.

NRI/FNIO and E&E,Key-man, Partnership Group III to VI: Allowed with extra. Group VII: Allowed without extra. Mail Order: Only NRIs of Group III to VII. Allowed only under Employer-Employee

Other Features: Proposal Form 300/340/360 Service Tax Grace Period (30/15 days) Paid Up Value Surrender Value (GSV/SSV) Revival within 2yrs from FUP Loan After 3yrs Suicide within 12 months 80% premiums Free Look Period 15days from OP Receipt Dating Back within Financial Year

Features Paid up Value : payable after at least 3 full yrs premium paid. Surrender Value : Can be surrendered during the policy term after payment of 3 full yrs. Prem. GSV : % of total prems. paid. (excl. any extra prems.) Special S.V.: The same should be higher than GSV Revival: During the lifetime but within a period of 2 consecutive years from the Dt.of first unpaid prem. & before Dt. of Maturity

Loan available after payment of 3 full years premium Features Loan available after payment of 3 full years premium Maximum Loan as a % of Surrender Value Inforce Policies Upto 90% For Paid up policies Upto 80 %

Unique Selling Points: Suitable for Education and Marriage Short Term Commitment Long Term Risk Cover 80C Tax Benefit (up to Rs.1.50 Lakhs) Tax Free Maturity Accident & Disability Cover up to 1 Crore No Market Risk

Approximate Return at Maturity Time : Age :30 Term :16 P.P.T. :10 Basic Sum Assured :500000 Yearly : 43491 (41970 + 1521) Approximate Return at Maturity Time : B SA : 500000 Bonus : 360000 F.A.B. : 12500 Total Approximate Return : 872500 Pension Start From age : 46 Annuity for life with return of purchase price on death. Sum Assured : 842995 Annuity : Yearly : 62308 Halfly : 30438 Quarterly : 15051 Monthly : 4975

YLY Mode Average Prem/Day : 76 Age :30 Term :21 P.P.T. :15 B S Assured : 500000 Yearly : 27902 (26926 + 976) Monthly(ECS) : 2373 (2290 + 83) YLY Mode Average Prem/Day : 76 Approximate Return at Maturity Time : BSA 500,000 Bonus : 525000 F.A.B. : 50000 Total Approximate Return : 1075000 Pension Start From age : 51 Annuity for life with return of purchase price on death. Sum Assured : 1038647 Annuity : Yearly : 77279 Halfly : 37705 Quarterly : 18619 Monthly : 6159

Age :30 Term :25 P.P.T. :16 Basic Sum Assured : 700000 Yearly : 33163 (32003 + 1160) Monthly(ECS) : 2820 (2721 + 99) YLY Mode Average Prem/Day : 90 Approximate Return at Maturity Time : Basic Sum Assured :700000 Bonus : 875000 F.A.B. : 315000 Total Approximate Return : 1890000 Pension Start From age : 55 Annuity for life with return of purchase price on death. Sum Assured : 1826087 Annuity : Yearly : 136676 Halfly : 66603 Quarterly : 32891 Monthly : 10880

Message for Age Group 35 to 50 Years:- Invest Rs 1 lakh for Just 10 yrs & Get 1.5 lacs Lifetime after 16th Year and Asset for Family Rs 19 lakhs Fund. Message for Age Group 8 to 40 Years:- Invest Rs l lakh for 15 years & Get 3.5 lakhs Lifetime after 21 Years and Asset for Family Rs 40 lakhs approx Fund Message for Age Group 8 years to 35 Years:- Invest Rs 1 lakh for 16 Years & Get 4.25 lakhs Lifetime after 25th Year and Asset for Family Rs 52 lakh Fund.. Call Now..

Opt 1:- 836/15/16. S.A - 12 lakhs. Maturity - 20,94,600/- Invest in Akshay. Pension Rs 1.5 lakhs. Opt 2:- 836/21/15. S.A- 18 lakhs. Maturity- 38,70,000/-. Invest in Akshay. Pension 3 lakhs. Opt 3:- 836/25/16. S.A- 20 lakhs. Maturity - 54 lakhs. Invest in Akshay. Pension 4.05 lakhs approx

IRR

IRR

Commission Agents and Corporate Agents 10 yrs 20% 7.5% 5% Prem Pay Term 1st Yr. 2nd & 3rd Yr Subsequent Yrs 10 yrs 20% 7.5% 5% 15 yrs & above 25% Bonus Commission : 40% of 1st year

Good Luck

Prepared By NVM Nana Murli and Improved by Harish Desai, Development officers