Danbahadur B.
Yadav
Insurance Advisor
621 Siddhivinayak Chs No-6, Sambhaji Nagar, Sahar Rd,
Andheri (E), Mumbai - 400069.
Tel: 9892156139
Magic Mix Illustration for Mr. Sanjay (age 46) Ref. No. 73
Proposed Insurance
Term/ Basic Sum Term Accident Crit.Illness. Premium Install. Tax
Id Com.Date Plan Name PPT Assured Rider SA Rider SA Rider SA Waiver Md. Premium Beneficiary
1 18/01/12 164-Anmol Jeevan - 1 19/19 20,00,000 0 0 0 - Y 22,354
2 18/01/12 165-Jeevan Saral 24/24 5,00,000 0 5,00,000 0 - Y 24,020
25,00,000 0 5,00,000 0
Annual Premium: 46,374
Modewise Summary of Installment Premiums
Interim * Bonus #Assu PREMIUM
Id Com. Date Plan/Tm/PPT Bonus Rate Step FAB SSS Monthly Quaterly Half Yearly Yearly
Rate Rate
1 18/01/12 164/19/19 0 0 0 11,290 22,354
2 18/01/12 165/24/24 2,042 2,042 6,125 12,130 24,020
2,042 2,042 6,125 23,420 46,374
1. '*' : - Assuming LIC will declare the above mentioned bonus rates for the year ended 31-Mar-2012
2. '#' : - Assuming that bonus rate declared by LIC will increase/decrease per year by step rate mentioned above.
3. '%' : - Assumed Growth Rate
Medical Requirement Details
Sum at Risk: 25,00,000 Medical by DMR: Yes
Rest ECG, Haemogram, SBT-13, RUA, CTMT
Disclaimer: The figures presented in this entire illustration are indicative and solely for the purpose of understanding the possible benefits from the
proposed insurance. The benefits are not guaranteed and the actual results may depend on the future performance of the insurer.
Danbahadur B. Yadav
Insurance Advisor
621 Siddhivinayak Chs No-6, Sambhaji Nagar, Sahar Rd,
Andheri (E), Mumbai - 400069.
Tel: 9892156139
Magic Mix Illustration for Mr. Sanjay (age 46) Ref. No. 73
Forecast of Insurance Benefits
Fin. Year Risk Cover Additional Cover For the Year Cash Loan
Ending Age (Natural Death) Accident Crit. Ill. PWB Premium Returns Cash Flow Value Available
31/03/12 46 25,00,000 5,00,000 0 0 46,374 0 -46,374 0 0
31/03/13 47 25,24,000 5,00,000 0 0 46,374 0 -46,374 0 0
31/03/14 48 25,48,000 5,00,000 0 0 46,374 0 -46,374 0 0
31/03/15 49 25,72,000 5,00,000 0 0 46,374 0 -46,374 55,226 49,750
31/03/16 50 25,96,000 5,00,000 0 0 46,374 0 -46,374 79,216 71,250
31/03/17 51 26,20,000 5,00,000 0 0 46,374 0 -46,374 97,935 88,250
31/03/18 52 26,44,000 5,00,000 0 0 46,374 0 -46,374 1,16,992 1,05,250
31/03/19 53 26,68,000 5,00,000 0 0 46,374 0 -46,374 1,36,612 1,23,000
31/03/20 54 26,92,000 5,00,000 0 0 46,374 0 -46,374 1,56,947 1,41,250
31/03/21 55 27,16,000 5,00,000 0 0 46,374 0 -46,374 3,36,599 3,03,000
31/03/22 56 27,40,000 5,00,000 0 0 46,374 0 -46,374 3,91,379 3,52,250
31/03/23 57 27,64,000 5,00,000 0 0 46,374 0 -46,374 4,51,637 4,06,500
31/03/24 58 27,88,000 5,00,000 0 0 46,374 0 -46,374 5,17,921 4,66,250
31/03/25 59 28,12,000 5,00,000 0 0 46,374 0 -46,374 5,90,833 5,31,750
31/03/26 60 28,36,000 5,00,000 0 0 46,374 0 -46,374 6,71,036 6,04,000
31/03/27 61 28,60,000 5,00,000 0 0 46,374 0 -46,374 7,59,260 6,83,250
31/03/28 62 28,84,000 5,00,000 0 0 46,374 0 -46,374 8,56,306 7,70,750
31/03/29 63 29,08,000 5,00,000 0 0 46,374 0 -46,374 9,63,057 8,66,750
31/03/30 64 29,32,000 5,00,000 0 0 46,374 0 -46,374 10,80,483 9,72,500
31/03/31 65 9,56,000 5,00,000 0 0 24,020 0 -24,020 12,09,651 10,88,750
31/03/32 66 9,80,000 5,00,000 0 0 24,020 0 -24,020 13,51,736 12,16,500
31/03/33 67 10,04,000 5,00,000 0 0 24,020 0 -24,020 15,08,030 13,57,250
31/03/34 68 10,28,000 5,00,000 0 0 24,020 0 -24,020 16,79,953 15,12,000
31/03/35 69 10,52,000 5,00,000 0 0 24,020 0 -24,020 18,69,068 16,82,250
18/01/36 70 0 0 0 0 0 4,70,540 4,70,540 0 0
10,01,206 4,70,540 -5,30,666
Yield on Investments (Pre Tax) : 0.00 %
K e y A s s u m p t i o n s
Personal Data: DOB: 18/01/1966
Income Tax: Sec. 80CCE Limit Available: 100000 Sec. 80D Limit Available: 10000
Tax Savings on premiums will be @ 33.99 % u/s 80CCE and @ 33.99 % u/s 80D
Projections Bonus: On applicable plans, last declared Interim Bonus has been considered for the purpose of projected Riskcover, Returns,
Cash Value and Loan calculations
Terminal Bonus: On applicable plans Terminal Bonus has been considered (On applicable plans last declared Terminal Bonus
Rates have been considered in the above calculations).
Loyalty Addition: Loyalty Addition has not been considered on applicable plans.
Disclaimer: The figures presented in this entire illustration are indicative and solely for the purpose of understanding the possible benefits from the
proposed insurance. The benefits are not guaranteed and the actual results may depend on the future performance of the insurer.
