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REKHA PRAVEENKUMAR SHUKLA.Presented by :-

Insurance & Financial advisor

Cell- 9594 55 6666----8082 55 6666 [email protected] Quarters , B, Building, 3 Rd floor , Flat No.7, Dr. E. Moses Road, Worli, Mumbai- 400 018

Mr. Dnyaneshwar S. Nikam A presentation specially compiled for

"Insure & be secure"

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Insurance & Financial advisorREKHA PRAVEENKUMAR SHUKLA.

BMC Quarters , B, Building, 3 Rd floor , Flat No.7,Dr. E. Moses Road, Worli, Mumbai- 400 018Cell- 9594 55 6666----8082 55 [email protected]

Ref. No. Nikam1-NSpecial Plan Combo For Shri Mr. Dnyaneshwar S. Nikam (age 49)

Proposed Insurance

Basic Sum AssuredCom.DateId Plan Name

Term/PPT

AccidentRider SA Md.

^ Install.Premium

TaxBeneficiary

1 09/06/2014 814-New Endowment 12 12 1,75,000 1,75,000 Y 168442 09/06/2014 815-New Jeevan Anand 15/15 1,50,000 1,50,000 Y 14793

3,25,000 3,25,000

31,637 Annual Premium:

'^' : - Premiums indicated are inclusive of service tax.

Modewise Summary of Installment Premiums

SingleMonthlyQuaterlyHalf Yearly YearlyFAB* Bonus

RatePlan/Tm/PPTId

P R E M I U M

Com. Date **Daily

16,844 8,507 4,29609/06/20141 038814/12/12 46.151,432 014,793 7,472 3,77309/06/20142 1040815/15/15 40.531,258 0

31,637 15,979 8,069 86.682,690 0

'*' : - Assuming LIC will declare the above mentioned bonus rates for the year ended 31-Mar-2014

2.

1.

'**' : - Daily premium is for indicative purpose only. Formula used - (Yearly Premium/365).

Medical Requirement Details

Sum at Risk: No3,62,500 Medical by DMR:

Rest ECG, FBS

The figures presented in this entire illustration are indicative and solely for the purpose of understanding the possible benefits from theproposed insurance. The benefits are not guaranteed and the actual results may depend on the future performance of the insurer.

Disclaimer:

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Forecast of Insurance Benefits

Fin. YearEnding Age Natural Death Accident Death Premium Returns Cash Flow

For the Year Cash Value

Loan Available

Risk Cover

31/03/2015 49 3,75,150 7,00,150 0 0-31,637031,637

31/03/2016 50 3,87,800 7,12,800 0 0-31,163031,16331/03/2017 51 4,00,450 7,25,450 33,137 28,500-31,163031,163

31/03/2018 52 4,13,100 7,38,100 73,830 63,500-31,163031,163

31/03/2019 53 4,25,750 7,50,750 94,361 81,250-31,163031,163

31/03/2020 54 4,38,400 7,63,400 1,16,814 1,00,750-31,163031,16331/03/2021 55 4,51,050 7,76,050 1,43,513 1,24,000-31,163031,163

31/03/2022 56 4,63,700 7,88,700 1,78,861 1,54,750-31,163031,163

31/03/2023 57 4,76,350 8,01,350 2,18,826 1,89,250-31,163031,163

31/03/2024 58 4,89,000 8,14,000 2,65,684 2,30,000-31,163031,16331/03/2025 59 5,01,650 8,26,650 3,18,494 2,76,000-31,163031,163

31/03/2026 60 5,14,300 8,39,300 3,89,416 3,08,500-31,163031,163

31/03/2027 61 2,65,500 4,15,500 1,59,244 1,29,0002,40,2282,54,80014,572

31/03/2028 62 2,71,500 4,21,500 1,82,440 1,47,750-14,572014,57231/03/2029 63 2,79,000 4,29,000 2,38,056 1,61,750-14,572014,572

31/03/2030 64 1,50,000 1,50,000 65,235 52,7502,41,5002,41,5000

31/03/2031 65 1,50,000 1,50,000 67,575 54,750000

31/03/2032 66 1,50,000 1,50,000 69,930 56,75000031/03/2033 67 1,50,000 1,50,000 72,270 58,500000

31/03/2034 68 1,50,000 1,50,000 74,610 60,500000

31/03/2035 69 1,50,000 1,50,000 76,950 62,250000

31/03/2036 70 1,50,000 1,50,000 79,275 64,25000031/03/2037 71 1,50,000 1,50,000 81,585 66,000000

31/03/2038 72 1,50,000 1,50,000 83,880 68,000000

31/03/2039 73 1,50,000 1,50,000 86,145 69,750000

31/03/2040 74 1,50,000 1,50,000 88,380 71,50000031/03/2041 75 1,50,000 1,50,000 90,570 73,250000

31/03/2042 76 1,50,000 1,50,000 92,730 75,000000

31/03/2043 77 1,50,000 1,50,000 94,860 76,750000

31/03/2044 78 1,50,000 1,50,000 96,930 78,50000031/03/2045 79 1,50,000 1,50,000 98,970 80,250000

31/03/2046 80 1,50,000 1,50,000 1,00,950 81,750000

31/03/2047 81 1,50,000 1,50,000 1,02,870 83,250000

31/03/2048 82 1,50,000 1,50,000 1,04,745 84,75000031/03/2049 83 1,50,000 1,50,000 1,06,560 86,250000

31/03/2050 84 1,50,000 1,50,000 1,08,315 87,750000

31/03/2051 85 1,50,000 1,50,000 1,10,025 89,000000

31/03/2052 86 1,50,000 1,50,000 1,11,660 90,50000031/03/2053 87 1,50,000 1,50,000 1,13,250 91,750000

31/03/2054 88 1,50,000 1,50,000 1,14,780 93,000000

31/03/2055 89 1,50,000 1,50,000 1,16,310 94,25000031/03/2056 90 1,50,000 1,50,000 1,17,780 95,50000031/03/2057 91 1,50,000 1,50,000 1,19,280 96,500000


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Fin. YearEnding Age Natural Death Accident Death Premium Returns Cash Flow

For the Year Cash Value

Loan Available

Risk Cover

31/03/2058 92 1,50,000 1,50,000 1,20,765 97,750000

31/03/2059 93 1,50,000 1,50,000 1,22,295 99,000000

31/03/2060 94 1,50,000 1,50,000 1,24,245 1,00,75000031/03/2061 95 1,50,000 1,50,000 1,25,955 1,02,000000

31/03/2062 96 1,50,000 1,50,000 1,29,195 1,04,750000

31/03/2063 97 1,50,000 1,50,000 1,32,360 1,07,250000

31/03/2064 98 1,50,000 1,50,000 1,39,650 1,13,000000

31/03/2065 99 1,50,000 1,50,000 1,44,825 1,17,25000031/03/2066 100 0 0 0 01,50,0001,50,0000

2,28,1546,46,3004,18,146

Personal Data: DOB: 15/10/1965

K e y A s s u m p t i o n s

Sec. 80CCE Limit Available: 100000 Sec. 80D Limit Available: 10000Tax Savings on premiums will be @ 30.90 % u/s 80CCE and @ 30.90 % u/s 80D

Income Tax:

Projections Bonus : On applicable plans, last declared reversionary bonus of their respective matching discontinued plans has been consideredfor the purpose of projected Riskcover and Returns.Terminal Bonus : On applicable plans, last declared terminal bonus of their respective matching discontinued plans has also beenconsidered.


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Premium Breakup & Tax Implication (for the year)

Fin. YearEnding

Premium Breakup

Basic DAB Total

u/s 80 CCE

Eligible Amount

Tax [email protected]%

u/s 80 D

Tax [email protected]%

Eligible Amount

TotalBenefit

31,30231/03/2015 335 31,637 9,483009,48330,68930,83331/03/2016 330 31,163 9,483009,48330,68930,83331/03/2017 330 31,163 9,483009,48330,68930,83331/03/2018 330 31,163 9,483009,48330,68930,83331/03/2019 330 31,163 9,483009,48330,68930,83331/03/2020 330 31,163 9,483009,48330,68930,83331/03/2021 330 31,163 9,483009,48330,68930,83331/03/2022 330 31,163 9,483009,48330,68930,83331/03/2023 330 31,163 9,483009,48330,68930,83331/03/2024 330 31,163 9,483009,48330,68930,83331/03/2025 330 31,163 9,483009,48330,68930,83331/03/2026 330 31,163 9,483009,48330,68914,41931/03/2027 152 14,571 4,434004,43414,35014,41931/03/2028 152 14,571 4,434004,43414,350

14,41931/03/2029 152 14,571 4,434004,43414,3504,13,722 4,422 1,27,098001,27,0984,11,3184,18,143

Premium Calendar

MarFebJanDecNovOctSep AugJulJunMay AprId

---------16,844 --1

---------14,793 --2

31,637

- - - -- 31,637 - - - - - -

Annual Premium :


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Innovative Forecast of Insurance Benefits

Fin. YearEnding Age Natural Death ccident Death

For the Year

Payment Returns Cash FlowCash

ValueLoan

AvailableFor the Year

31/03/2015 49 3,75,150 7,00,150 31,637 0 -31,637 0 0

31/03/2016 50 3,87,800 7,12,800 31,163 0 -31,163 0 0

31/03/2017 51 4,00,450 7,25,450 31,163 0 -31,163 33,137 28,500

31/03/2018 52 4,13,100 7,38,100 31,163 0 -31,163 73,830 63,500

31/03/2019 53 4,25,750 7,50,750 31,163 0 -31,163 94,361 81,25031/03/2020 54 4,38,400 7,63,400 31,163 0 -31,163 1,16,814 1,00,750

31/03/2021 55 4,51,050 7,76,050 31,163 0 -31,163 1,43,513 1,24,000

31/03/2022 56 4,63,700 7,88,700 31,163 0 -31,163 1,78,861 1,54,750

31/03/2023 57 4,76,350 8,01,350 31,163 0 -31,163 2,18,826 1,89,250

31/03/2024 58 4,89,000 8,14,000 31,163 0 -31,163 2,65,684 2,30,000

31/03/2025 59 5,01,650 8,26,650 31,163 0 -31,163 3,18,494 2,76,000

31/03/2026 60 5,14,300 8,39,300 31,163 0 -31,163 3,89,416 3,08,500

31/03/2027 61 2,65,500 4,15,500 14,572 2,54,800 2,40,228 1,59,244 1,29,000

31/03/2028 62 2,71,500 4,21,500 14,572 0 -14,572 1,82,440 1,47,750

31/03/2029 63 2,79,000 4,29,000 14,572 0 -14,572 2,38,056 1,61,750

31/03/2030 64 1,50,000 1,50,000 0 2,41,500 2,41,500 65,235 52,750

31/03/2031 65 1,50,000 1,50,000 0 0 0 67,575 54,750

31/03/2032 66 1,50,000 1,50,000 0 0 0 69,930 56,750

31/03/2033 67 1,50,000 1,50,000 0 0 0 72,270 58,500

31/03/2034 68 1,50,000 1,50,000 0 0 0 74,610 60,500

31/03/2035 69 1,50,000 1,50,000 0 0 0 76,950 62,250

31/03/2036 70 1,50,000 1,50,000 0 0 0 79,275 64,250

31/03/2037 71 1,50,000 1,50,000 0 0 0 81,585 66,000

31/03/2038 72 1,50,000 1,50,000 0 0 0 83,880 68,000

31/03/2039 73 1,50,000 1,50,000 0 0 0 86,145 69,750

31/03/2040 74 1,50,000 1,50,000 0 0 0 88,380 71,500

31/03/2041 75 1,50,000 1,50,000 0 0 0 90,570 73,250

31/03/2042 76 1,50,000 1,50,000 0 0 0 92,730 75,00031/03/2043 77 1,50,000 1,50,000 0 0 0 94,860 76,750

31/03/2044 78 1,50,000 1,50,000 0 0 0 96,930 78,500

31/03/2045 79 1,50,000 1,50,000 0 0 0 98,970 80,250

31/03/2046 80 1,50,000 1,50,000 0 0 0 1,00,950 81,750

31/03/2047 81 1,50,000 1,50,000 0 0 0 1,02,870 83,250

31/03/2048 82 1,50,000 1,50,000 0 0 0 1,04,745 84,750

31/03/2049 83 1,50,000 1,50,000 0 0 0 1,06,560 86,250

31/03/2050 84 1,50,000 1,50,000 0 0 0 1,08,315 87,750

31/03/2051 85 1,50,000 1,50,000 0 0 0 1,10,025 89,000

31/03/2052 86 1,50,000 1,50,000 0 0 0 1,11,660 90,500

31/03/2053 87 1,50,000 1,50,000 0 0 0 1,13,250 91,750

31/03/2054 88 1,50,000 1,50,000 0 0 0 1,14,780 93,000

31/03/2055 89 1,50,000 1,50,000 0 0 0 1,16,310 94,250


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Fin. YearEnding Age Natural Death ccident Death

For the Year

Payment Returns Cash FlowCash

ValueLoan

AvailableFor the Year

31/03/2056 90 1,50,000 1,50,000 0 0 0 1,17,780 95,500

31/03/2057 91 1,50,000 1,50,000 0 0 0 1,19,280 96,500

31/03/2058 92 1,50,000 1,50,000 0 0 0 1,20,765 97,750

31/03/2059 93 1,50,000 1,50,000 0 0 0 1,22,295 99,000

31/03/2060 94 1,50,000 1,50,000 0 0 0 1,24,245 1,00,750

31/03/2061 95 1,50,000 1,50,000 0 0 0 1,25,955 1,02,000

31/03/2062 96 1,50,000 1,50,000 0 0 0 1,29,195 1,04,750

31/03/2063 97 1,50,000 1,50,000 0 0 0 1,32,360 1,07,250

31/03/2064 98 1,50,000 1,50,000 0 0 0 1,39,650 1,13,000

31/03/2065 99 1,50,000 1,50,000 0 0 0 1,44,825 1,17,250

31/03/2066 100 0 0 0 1,50,000 1,50,000 0 0

2,28,1546,46,300 4,18,146

Payment to L.I.C. indicates Annual PremiumReturns in the Year indicates Normal Cash Flow and /or Cash Flow taken from L.I.C. in installments (Inclusive of Interest).

Explanatory Notes


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Scenario Comparision

AgeFin. YearEnding

ReturnsRisk Cover

Premium Past Bonus 4% Scenario8% Scenario 4% Scenario8% ScenarioPast Bonus

31/03/2015 49 31,637 3,75,150 3,71,725 3,65,288 0 0 0

31/03/2016 50 31,163 3,87,800 3,80,950 3,68,075 0 0 0

31/03/2017 51 31,163 4,00,450 3,90,175 3,70,862 0 0 0

31/03/2018 52 31,163 4,13,100 3,99,400 3,73,650 0 0 0

31/03/201953

31,163 4,25,750 4,08,625 3,76,438 0 0 0

31/03/2020 54 31,163 4,38,400 4,17,850 3,79,225 0 0 0

31/03/2021 55 31,163 4,51,050 4,27,075 3,82,012 0 0 0

31/03/2022 56 31,163 4,63,700 4,36,300 3,84,800 0 0 0

31/03/2023 57 31,163 4,76,350 4,45,525 3,87,588 0 0 0

31/03/2024 58 31,163 4,89,000 4,54,750 3,90,375 0 0 0

31/03/2025 59 31,163 5,01,650 4,63,975 3,93,162 0 0 0

31/03/2026 60 31,163 5,14,300 4,73,200 3,95,950 0 0 0

31/03/2027 61 14,572 2,65,500 2,46,000 1,95,300 2,54,800 2,31,700 2,01,250

31/03/2028 62 14,572 2,71,500 2,50,500 1,95,900 0 0 0

31/03/2029 63 14,572 2,79,000 2,55,750 1,96,500 0 0 0

31/03/2030 64 0 1,50,000 1,50,000 1,50,000 2,41,500 2,18,250 1,59,000

31/03/2031 65 0 1,50,000 1,50,000 1,50,000 0 0 031/03/2032 66 0 1,50,000 1,50,000 1,50,000 0 0 0

31/03/2033 67 0 1,50,000 1,50,000 1,50,000 0 0 0

31/03/2034 68 0 1,50,000 1,50,000 1,50,000 0 0 0

31/03/2035 69 0 1,50,000 1,50,000 1,50,000 0 0 0

31/03/2036 70 0 1,50,000 1,50,000 1,50,000 0 0 0

31/03/2037 71 0 1,50,000 1,50,000 1,50,000 0 0 0

31/03/2038 72 0 1,50,000 1,50,000 1,50,000 0 0 0

31/03/2039 73 0 1,50,000 1,50,000 1,50,000 0 0 0

31/03/2040 74 0 1,50,000 1,50,000 1,50,000 0 0 0

31/03/2041 75 0 1,50,000 1,50,000 1,50,000 0 0 0

31/03/2042 76 0 1,50,000 1,50,000 1,50,000 0 0 0

31/03/2043 77 0 1,50,000 1,50,000 1,50,000 0 0 0

31/03/2044 78 0 1,50,000 1,50,000 1,50,000 0 0 0

31/03/2045 79 0 1,50,000 1,50,000 1,50,000 0 0 0

31/03/2046 80 0 1,50,000 1,50,000 1,50,000 0 0 0

31/03/2047 81 0 1,50,000 1,50,000 1,50,000 0 0 0

31/03/2048 82 0 1,50,000 1,50,000 1,50,000 0 0 0

31/03/2049 83 0 1,50,000 1,50,000 1,50,000 0 0 0

31/03/2050 84 0 1,50,000 1,50,000 1,50,000 0 0 0

31/03/2051 85 0 1,50,000 1,50,000 1,50,000 0 0 0

31/03/2052 86 0 1,50,000 1,50,000 1,50,000 0 0 0

31/03/2053 87 0 1,50,000 1,50,000 1,50,000 0 0 0

31/03/2054 88 0 1,50,000 1,50,000 1,50,000 0 0 0

31/03/2055 89 0 1,50,000 1,50,000 1,50,000 0 0 0

31/03/2056 90 0 1,50,000 1,50,000 1,50,000 0 0 0


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AgeFin. YearEnding

ReturnsRisk Cover

Premium Past Bonus 4% Scenario8% Scenario 4% Scenario8% ScenarioPast Bonus

31/03/2057 91 0 1,50,000 1,50,000 1,50,000 0 0 0

31/03/2058 92 0 1,50,000 1,50,000 1,50,000 0 0 0

31/03/2059 93 0 1,50,000 1,50,000 1,50,000 0 0 0

31/03/2060 94 0 1,50,000 1,50,000 1,50,000 0 0 0

31/03/2061 95 0 1,50,000 1,50,000 1,50,000 0 0 0

31/03/2062 96 0 1,50,000 1,50,000 1,50,000 0 0 0

31/03/2063 97 0 1,50,000 1,50,000 1,50,000 0 0 0

31/03/2064 98 0 1,50,000 1,50,000 1,50,000 0 0 0

31/03/2065 99 0 1,50,000 1,50,000 1,50,000 0 0 0

31/03/2066 100 0 0 0 0 1,50,000 1,50,000 1,50,000

4,18,146 6,46,300 5,99,950 5,10,250


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