NEW ARRIVALS LIC’s JEEVAN SANGAM (Plan No.831) Limited sale period only LIC’s New Children’s Money Back Plan (Plan No.832)

LIC’s JEEVAN SANGAM PLAN NUMBER 831 With profit “SINGLE PREMIUM” plan Sale Closes On 1ST June 2015. ONLY 90 DAY SALE PERIOD

LIC’s JEEVAN SANGAM TERM ONLY 12 YEARS Age: Minimum = 6yrs (completed) Plan No.831 TERM ONLY 12 YEARS Select: MATURITY SUM ASSURED Minimum = 75000 Maximum = No limit (Multiples of 10000) Premium: Calculated on Maturity Sum Assured Risk Sum Assured : Premium (without Service Tax & Extras) X 10 Age: Minimum = 6yrs (completed) Maximum = 50 yrs

LIC’s JEEVAN SANGAM DEATH BENEFIT Plan No.831 If Death happens BEFORE Commencement of Risk Refund of premium (excluding Serv. tax and extras) Risk commences from one day before age 8 years. If Death happens WITHIN FIVE years Risk Sum assured Only If Death happens AFTER FIVE years Risk Sum assured + Loyalty

LIC’s JEEVAN SANGAM Maturity Sum assured + Loyalty MATURITY BENEFIT Plan No.831 MATURITY BENEFIT Maturity Sum assured + Loyalty

LIC’s JEEVAN SANGAM Plan No.831

JEEVAN SANGAM Plan No.831

Available after 3 Months from D.O.C LIC’s JEEVAN SANGAM Plan No.831 LOANS Available after 3 Months from D.O.C Policy year maximum Loan Amount as a % of surrender value for age at entry upto 45 maximum Loan Amount as a % of surrender value for age at entry above 45 *3 month to 3rd year 55% 40% 4th to 6th 70% 45% 7th to 9th 80% 65% 10th to 12th 90%

JEEVAN SANGAM Plan No.831

LIC’s JEEVAN SANGAM Plan No.831

LIC’s JEEVAN SANGAM 2 % without Bonus ONLY 90 DAYS COMMISSION Plan No.831 COMMISSION 2 % without Bonus ONLY 90 DAYS

LIC’s NEW CHILDREN’S MONEY BACK Plan No.832

LIC’s NEW CHILDREN’S MONEY BACK Plan No.832 Money back plan With-profits Regular premium payment

LIC’s NEW CHILDREN’S MONEY BACK Eligibility Plan No.832 Entry Age: 0 yrs to 12 yrs (Last Birthday) Maturity Age: 25 Yrs Policy Term : 25 Minus Entry age Minimum SA : Rs.(100 ) in “000”s Maximum SA : No limit ( in multiples of 10,000) Modes : YLY, HLY, QLY, ECS, SSS

Whichever is “ Earlier “ LIC’s NEW CHILDREN’S MONEY BACK Plan No.832 RISK COMMENCES 1 day before completion of 2 years from D.O.C OR 1 day before Policy anniversary coinciding /after completing Age 8 Whichever is “ Earlier “

LIC’s NEW CHILDREN’S MONEY BACK Plan No.832 Death Benefit Before Risk commences Refund of premiums excluding riders, taxes and extra premium After Risk commences Basic Sum assured + Bonus + Final additional Bonus Suicide Within one year from Risk commencing date 80% of premium paid excluding taxes and extras

LIC’s NEW CHILDREN’S MONEY BACK POLICY PROCEEDS Plan No.832 On policy anniversary after age 18 On policy anniversary after age 20 On policy anniversary after age 22 20% of Basic Sum Assured Survival Benefit On policy anniversary after age 18 On policy anniversary after age 20 On policy anniversary after age 22 20% of Basic Sum Assured Survival Benefit Maturity Benefit On policy anniversary after age 25 40% of Basic Sum Assured + BONUS + Final additional Bonus

LIC’s NEW CHILDREN’S MONEY BACK Special Feature Plan No.832 Option to defer the Survival Benefit: LIC will pay increased SB if SB is deferred .. as per the formula… SB % * Sum Assured * Factor applicable to Survival Benefit (s) To exercise this option policyholder Should Intimate in writing six months before the due date of the Survival Benefit (s)

LIC’s NEW CHILDREN’S MONEY BACK Riders Plan No.832 Premium Waiver Benefit Waiver of Future Premiums on death of the proposer Opt able at Inception or any time during policy term. Minimum outstanding term should be 5 years Maximum age for opting PWB is 55 yrs Not applicable if commits suicide within 1 year of D.O.C

LIC’s NEW CHILDREN’S MONEY BACK Plan No.832 Surrender Permitted after 3 years from D.O.C No Surrender value for PWB Rider Loan Permitted after 3 years from D.O.C For in force policies – upto 90% of Surrender value For paid-up policies – upto 80% of Surrender Value Revival Should be done within 2 Consecutive years from First unpaid premium

LIC’s NEW CHILDREN’S MONEY BACK Discounts Plan No.832 Mode Yearly mode : 2% of tabular premium Half-yearly mode : 1% of tabular premium Quarterly and monthly : NIL High Sum Assured Basic Sum Assured Rebate (Rs.) 1,00,000 to 1,90,000 : Nil 2,00,000 to 4,90,000 : 2 per thousand Basic Sum Assured 5,00,000 and above : 3 per thousand Basic Sum Assured

LIC’s NEW CHILDREN’S MONEY BACK Plan No.832 Commission Policy Term 1st Year 2nd & 3rd Year Sub. Years 13 and 14 years 20% 7.5% 5% 15 years and above 25% 7.5% 5% Bonus Commission = 40% of First year Commission