1. JEEVAN LABH
Plan No.836

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

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

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

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

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

7. Death Benefits: Sum Assured on Death + Bonus + FAB

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

9. 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

10. 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

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

12. 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 % per Rs.1000 B.S.A

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

14. 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

15. 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

16. 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

17. 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 %

18. 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

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

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

21. Age :30 Term :25 P.P.T. :16 Basic Sum Assured : Yearly : ( ) Monthly(ECS) : 2820 ( ) YLY Mode Average Prem/Day : 90 Approximate Return at Maturity Time : Basic Sum Assured : Bonus : F.A.B. : Total Approximate Return : Pension Start From age : 55 Annuity for life with return of purchase price on death. Sum Assured : Annuity : Yearly : Halfly : Quarterly : Monthly : 10880

22. 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..

23. 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

28. IRR

29. IRR

30. 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

31. Good Luck

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