1. UNIT MEETING 20 FEB 2014 S.R. Shardul, Development Officer Hearty Welcome by Shashikant Shardul

2. TOPICS FOR THE DAY All the 9-NEW PLANS Review of our TEAM’S Performance YEARLY GOAL Review S. R. Shardul, Development Officer

3. Table-814 - NEW ENDOWMENT PLAN Table-815 - NEW JEEVAN ANAND Table-816 – NEW BIMA BACHAT Table-817 – SINGLE PREMIUM ENDOWMENT PLAN Table-818 – NEW JEEVAN NIDHI Table-820 – NEW MONEY BACK PLAN (20-YRS) Table-821 – NEW MONEY BACK PLAN (25-YRS) Table-822 –ANMOL JEEVAN II Table-823 – AMULYA JEEVAN II S. R. Shardul, Development Officer What are the NEW PLANS of LIC ?

4. S.R. Shardul, Development Officer NEW ENDOWMENT PLAN (814)

5. New Avatar of our most popular Table-14 Age at Entry: 8-completed Max Entry: 55-yrs Terms: 12 to 35 years only; Max Maturity Age:75 Modes allowed: Yly/Hly/Qly/ECS/SSS. No MONTHLY Minimum Sum Assured: 1-Lac No Maximum Limit All Male Lives & Females of all Categories eligible All Non-Medical Schemes eligible as per rules All Age-Proofs (Standard, NSAP-1/2/3) acceptable Service Tax to be borne by Policyholder as per Govt rules S. R. Shardul, Development Officer NEW ENDOWMENT PLAN (814)

6. Maturity Benefits Death Benefits Accident Benefit & Disability Benefit (AB & DB) S. R. Shardul, Development Officer BENEFITS OF TABLE - 814

7. SUM ASSURED + REVERSIONARY BONUS + FINAL ADDITIONAL BONUS (if applicable) S. R. Shardul, Development Officer MATURITY BENEFITS

8. Sum Assured on Death (SAD) + BONUS + FAB What is Sum Assured on Death? It is: Basic Sum Assured (or) 10-times of Annualized Premium (or) 105% of the Premiums paid as on date of death; Whichever is Higher…. S.R. Shardul, Development Officer DEATH BENEFIT

9. AB & DB Rider is nothing but EPDB. What is AB & DB Rider? Covers Accidental Death as well as Permanent Disability If death occurs due to accident, 1-more SA is payable. For Permanent Disability of any 2-Limbs due to Accident, Future Premium is waived Basic SA is given back to the Policyholder in 120-instalments Full SA + all other maturity Benefits are given on Maturity. S.R. Shardul, Development Officer ACCIDENT BENEFIT & DISABILITY BENEFIT (AB &DB RIDER)

10. Loan Facility available after 3-years Surrender allowed after 3-years Lapsed Policy to be revived within 2-years from FUP Commission rates are: 35% in 1 st year, 7.5% in 2 nd & 3 rd and thereafter 5% in subsequent years No Foreclosure action is taken for IN-FORCE policies Service Tax to be borne by the Policyholder. S.R. Shardul, Development Officer OTHER FEATUERES OF TABLE - 814

11. S.R. Shardul, Development Officer NEW JEEVAN ANAND (815)

12. New Avatar of our most popular Table-149 Age at Entry: 18-completed Max Entry: 50-yrs Terms: 15 to 35 years only; Max Maturity Age:75 Modes allowed: Yly/Hly/Qly/ECS/SSS. No MONTHLY Minimum Sum Assured: 1-Lac No Maximum Limit All Male Lives & Females of all Categories eligible All Non-Medical Schemes eligible as per rules All Age-Proofs (Standard, NSAP-1/2/3) acceptable Service Tax to be borne by Policyholder as per Govt rules S.R. Shardul, Development Officer NEW JEEVAN ANAND (815)

13. Maturity Benefits Death Benefits Accident Benefit & Disability Benefit (AB & DB) FREE RISK COVER after MATURITY S.R. Shardul, Development Officer BENEFITS OF TABLE 815

14. SUM ASSURED + REVERSIONARY BONUS + FINAL ADDITIONAL BONUS (if applicable) S.R. Shardul, Development Officer MATURITY BENEFITS

15. Sum Assured on Death (SAD) + BONUS + FAB What is Sum Assured on Death? It is: 125% of Basic Sum Assured (or) 10-times of Annualized Premium (or) 105% of the Premiums paid as on date of death; Whichever is Higher…. S.R. Shardul, Development Officer DEATH BENEFIT

16. AB & DB Rider is nothing but EPDB. What is AB & DB Rider? Covers Accidental Death as well as Permanent Disability If death occurs due to accident, 1-more SA is payable. For Permanent Disability of any 2-Limbs due to Accident, Future Premium is waived Basic SA is given back to the Policyholder in 120-instalments Full SA + all other maturity Benefits are given on Maturity. S.R. Shardul, Development Officer ACCIDENT BENEFIT AND DISABILITY BENEFIT (AB & DB RIDER)

17. FREE RISK COVER for Basic Sum Assured life-long DAB Cover is available up to Age:70 S.R. Shardul, Development Officer FREE RISK COVER AFTER MATURITY

18. S.R. Shardul, Development Officer NEW JEEVAN ANAND (815)

19. NEW BIMA BATCHAT PLAN (816) S.R. Shardul, Development Officer

20. NEW BIMA BATCHAT PLAN (816) Single Premium Money Back Plan for 9, 12 & 15 years Age at Entry: 15-completed Max Entry: 66-yrs Max Maturity Age:75 Minimum Sum Assured: 35,000/50,000/75,000 (9,12,15) All Male Lives & Females of all Categories eligible All Non-Medical Schemes eligible as per rules All Age-Proofs (Standard, NSAP-1/2/3) acceptable Service Tax to be borne by Policyholder as per Govt rules S.R. Shardul, Development Officer

21. Features and Benefits of 816 SB of 15% of SA payable every 3-years Return of Premium + Loyalty Addition on Maturity Death Benefit: Within 5-years: SA is payable After 5-years: SA + Loyalty Addition is payable Loan available after 1-year Surrender of Policy can be done ANYTIME. S.R. Shardul, Development Officer

22. SINGLE PREMIUM ENDOWMENT (817)

23. Age at Entry: 90-DAYS completed Max Entry: 65-yrs Terms: 10 to 25 years only; Max Maturity Age:75 Minimum Sum Assured: 50000 No Maximum Limit All Male Lives & Females of all Categories eligible All Non-Medical Schemes eligible as per rules All Age-Proofs (Standard, NSAP-1/2/3) acceptable Service Tax to be borne by Policyholder as per Govt rules S.R. Shardul, Development Officer

24. NEW MONEY BACK PLAN ( 820 )

25. Limited Premium money back plan; Term:20; PPT: 15 Age at Entry: 13-completed Max: 50-yrs; Max Maturity:70 Modes allowed: Yly/Hly/Qly/ECS/SSS. No MONTHLY Minimum Sum Assured: 1-Lac No Maximum Limit All Male Lives & Females of all Categories eligible All Non-Medical Schemes eligible as per rules All Age-Proofs (Standard, NSAP-1/2/3) acceptable Service Tax to be borne by Policyholder as per Govt rules S.R. Shardul, Development Officer

26. BENEFITS of Table No. 820 Survival Benefits Maturity Benefits Death Benefits Accident Benefit & Disability Benefit (AB & DB) S.R. Shardul, Development Officer

27. SURVIVAL BENEFITS 820 At the end of 5 th year: 20% of the Sum Assured At the end of 10 th year: 20% of the Sum Assured At the end of 15 th year: 20% of the Sum Assured S.R. Shardul, Development Officer

28. MATURITY BENEFITS 820 Balance 40% SUM ASSURED + REVERSIONARY BONUS + FINAL ADDITIONAL BONUS (if applicable) S.R. Shardul, Development Officer

29. DEATH BENEFIT 820 Sum Assured on Death (SAD) + BONUS + FAB What is Sum Assured on Death? It is: 125% of Basic Sum Assured (or) 10-times of Annualized Premium (or) 105% of the Premiums paid as on date of death; Whichever is Higher…. S.R. Shardul, Development Officer

30. Accident Benefit & Disability Benefit (AB & DB Rider) AB & DB Rider is nothing but EPDB. What is AB & DB Rider? Covers Accidental Death as well as Permanent Disability If death occurs due to accident, 1-more SA is payable. For Permanent Disability of any 2-Limbs due to Accident, Future Premium is waived Basic SA is given back to the Policyholder in 120-instalments Full SA + all other maturity Benefits are given on Maturity. S.R. Shardul, Development Officer

31. Other Features of Table-820 Loan Facility available after 3-years Surrender allowed after 3-years Lapsed Policy to be revived within 2-years from FUP Commission rates are: 28% in 1 st year, 7.5% in 2 nd & 3 rd and thereafter 5% in subsequent years No Foreclosure action is taken for IN-FORCE policies Service Tax to be borne by the Policyholder. S.R. Shardul, Development Officer

32. NEW MONEY BACK PLAN (821) Limited Premium money back plan; Term:25; PPT: 20 Age at Entry: 13-completed Max: 45-yrs; Max Maturity:70 Modes allowed: Yly/Hly/Qly/ECS/SSS. No MONTHLY Minimum Sum Assured: 1-Lac No Maximum Limit All Male Lives & Females of all Categories eligible All Non-Medical Schemes eligible as per rules All Age-Proofs (Standard, NSAP-1/2/3) acceptable Service Tax to be borne by Policyholder as per Govt rules S.R. Shardul, Development Officer

33. BENEFITS of Table-821 Survival Benefits Maturity Benefits Death Benefits Accident Benefit & Disability Benefit (AB & DB) S.R. Shardul, Development Officer

34. SURVIVAL BENEFITS At the end of 5 th year: 15% of the Sum Assured At the end of 10 th year: 15% of the Sum Assured At the end of 15 th year: 15% of the Sum Assured At the end of 20 th year: 15% of the Sum Assured S.R. Shardul, Development Officer

35. MATURITY BENEFITS Balance 40% SUM ASSURED + REVERSIONARY BONUS + FINAL ADDITIONAL BONUS (if applicable) S.R. Shardul, Development Officer

36. DEATH BENEFIT Sum Assured on Death (SAD) + BONUS + FAB What is Sum Assured on Death? It is: 125% of Basic Sum Assured (or) 10-times of Annualized Premium (or) 105% of the Premiums paid as on date of death; Whichever is Higher…. S.R. Shardul, Development Officer

37. Accident Benefit & Disability Benefit (AB & DB Rider) AB & DB Rider is nothing but EPDB. What is AB & DB Rider? Covers Accidental Death as well as Permanent Disability If death occurs due to accident, 1-more SA is payable. For Permanent Disability of any 2-Limbs due to Accident, Future Premium is waived Basic SA is given back to the Policyholder in 120-instalments Full SA + all other maturity Benefits are given on Maturity. S.R. Shardul, Development Officer

38. Other Features of Table No. 821 Loan Facility available after 3-years Surrender allowed after 3-years Lapsed Policy to be revived within 2-years from FUP Commission rates are: 28% in 1 st year, 7.5% in 2 nd & 3 rd and thereafter 5% in subsequent years No Foreclosure action is taken for IN-FORCE policies Service Tax to be borne by the Policyholder. S.R. Shardul, Development Officer

39. new jeevan nidhi 818 S.R. Shardul, Development Officer

40. 818- NEW JEEVAN NIDHI Eligibility Conditions, Restrictions and Benefits: Age at entry: 20 – 58 years N.b.d (for Regular Premium ) Age at entry: 20 – 60 years N.b.d (for Single Premium) Age at vesting: 55 – 65 years Deferment term: 7 – 35 years (for Regular Premium ) Deferment term: 5 – 35 years N.b.d (for Single premium ) Basic Sum Assured: 1, 00,000 – No limit (Under regular premium Plan in multiples of 5000) Basic Sum Assured: 1, 50,000 – No limit (Under single premium Plan in multiples of 5000) S.R. Shardul, Development Officer

41. new jeevan nidhi 818 Payment Modes: Single, Yearly, Half yearly, Quarterly, Monthly (ECS or salary deduction) Mode Rebates Yearly 2% of TP, Half Yearly 1% of TP Basic Sum Rebates For 3,00, 000 & above – Regular Rs. 2.00 / Single Rs. 3.00 per thousand BSA ADDB rider (Optional) Rs 1.00 per / Rs 1.50 per thousand SA. Min. SA 1, 00,000. Opt able any time Service Tax 2013-2014 First year 3.09% Subsequent 1.545% Loan Not allowed Surrender Regular:- After 2 years for Def. S.R. Shardul, Development Officer

42. Single Premium: if within 3 years of DOC then 70% of Single premium Death Benefit** Before first 5 years : BSA + GA @ 50 per thousand BSA which is Payable as Lump sum / Annuity OR Partly Lump sum & Balance as annuity Death Benefit After first 5 years: BSA plus GA for 5 Years @ 50 per thousand BSA plus Bonus accrued from 6th year of policy plus Final additional Bonus if any. (Payable Lump sum / Annuity OR Partly Lump sum & Balance as annuity) ** Total death benefit at any time shall not be less than 105% of total premiums paid. S.R. Shardul, Development Officer new jeevan nidhi 818

43. Benefits on Vesting** BSA plus GA for 5 Years @ 50 per thousand BSA plus Bonus accrued from 6th year of policy plus Final additional Bonus if any. ** Proceeds are Payable in two choices o Purchase an immediate annuity. From LIC of India only. After commuting to the extent allowed under IT act. / Without commuting o Purchase a new single premium deferred pension product from LIC of India Without commuting ** Provided the amount required is sufficient to purchase a minimum amount of annuity.If not it will be paid out in a lump sup S.R. Shardul, Development Officer new jeevan nidhi 818

44. L.I.C’s TERM INSURANCE PLANS PLAN No-822 ANMOL JEEVAN – II PLAN No-823 AMULYA JEEVAN – II S.R. Shardul, Development Officer

45. Term Assurance Plans: 822 & 823 S.R. Shardul, Development Officer

46. term assurance plan S.R. Shardul, Development Officer New Anmol JEEVAN II Plan No. 822

47. Anmol jeevan II 822 FEATURES  Pure Term Assurance Policy  Low Premium, Low Risk Cover Plan  Ideal for:  Youngsters making start-in-life  People interested in pure risk cover only S.R. Shardul, Development Officer

48. Anmol jeevan II 822 DEATH BENEFIT  Full Sum Assured is paid to the Nominee in the event of death of the Policy Holder S.R. Shardul, Development Officer

49. Anmol jeevan II 822 Features not available in the plan  Maturity - No Maturity would be given to the policyholder at the end of the term  Surrender value - No surrender value will be available under this plan  Loan - Loan facility is not available in this plan  Paid up value -The policy will not acquire any paid up value S.R. Shardul, Development Officer

50. Anmol jeevan II 822 PLAN SPECIFICATION  Minimum Age - 18 (years completed)  Maximum Age – 55 (nearest birthday)  Minimum Term – 5  Maximum Term - 25  Minimum Sum Assured – 6,00,000  Maximum Sum Assured – 24,00,000 S.R. Shardul, Development Officer

51. Anmol jeevan II 822 S.R. Shardul, Development Officer

52. term assurance plan S.R. Shardul, Development Officer LIC’s New AMULYA JEEVAN II Plan No. 823

53. Amulya jeevan II 823 FEATURES  Pure Term Assurance Policy  Low Premium, High Risk Cover Plan  Ideal for:  Youngsters making start-in-life  People interested in pure risk cover only S.R. Shardul, Development Officer

54. Amulya jeevan II 823 Low Cost – benefit  Cheapest Policy for Risk Cover Purpose  Risk Cover available till age 70  Sum Assured is provided to Nominee on death of the Policyholder S.R. Shardul, Development Officer

55. Amulya jeevan II 823 DEATH BENEFIT  Full Sum Assured is paid to the Nominee in the event of death of the Policy Holder S.R. Shardul, Development Officer

56. Amulya jeevan II 823 Features not available in the plan  Maturity - No Maturity would be given to the policyholder at the end of the term  Surrender value - No surrender value will be available under this plan  Loan - Loan facility is not available in this plan  Paid up value -The policy will not acquire any paid up value S.R. Shardul, Development Officer

57. Amulya jeevan II 823 PLAN SPECIFICATION  Minimum Age - 18 (years completed)  Maximum Age – 60 (nearest birthday)  Minimum Term – 5  Maximum Term - 35  Minimum Sum Assured – 25,00,000  Maximum Sum Assured – No Limit S.R. Shardul, Development Officer

58. Amulya jeevan II 823 S.R. Shardul, Development Officer

59. Jeevan Akshay Table No. 189 S.R. Shardul, Development Officer

60. Jeevan Akshay Table No. 189

61. S.R. Shardul, Development Officer Shashikant Shardul Development Officer