Jeevan Umang (Plan No.

- 945)

Illustration specially prepared for

Mr. Chandru
(age 24 years)

Benefits Illustration Summary

Sum Assured Rs. 15,00,000

Term/PPT 76/15 years

Premium Basic GST Installment

First Year 1,17,966 5,308 1,23,274
ü Exclusive Plan for Saving and Retirement Planning. Subsequent Year 1,17,966 2,654 1,20,620
ü Guaranteed Lifetime Income at 8.00%
Cash Flow Benefits
ü Whole Life Risk Cover with Limited Premium Payment Option.
ü Discount in Premium for Sum Assured of Rs.5 Lacs and Liquidity You have an option to surrender
above. the policy & receive the cash
value after payment of premiums
ü Lifetime Cover to the extent Basic Sum Assured + Bonus for 2 years. Alternately, you can
+ Final Bonus (if any) even avail of loan on this policy
once the policy has acquired
ü Loan Available after 2 full years of premium payment.
cash value. The current
ü On Maturity, Sum Assured + Bonus + Final Bonus (if prevailing rate of loan is 9.5 %
any) will be paid. p.a.
ü Policy Back dating available within the same financial year. Life Cover In this policy your Life Risk Cover
ü LIC’s Accidental Death and Disability Benefit Rider OR will start at Rs. 15,96,000. By
virtue of bonus getting added
Accidental Death Benefit rider, Term Assurance Rider and
every year, your risk cover will
Critical Illness rider is available as an optional rider by grow to Rs. 1,11,93,000 in the
payment of nominal additional premium. year 2097 when your age will be
100. An additional accidental
ü Free lookup period for 15 Days. death cover of Rs.15,00,000 is
ü Premium Paid are eligible for tax savings u/s 80 C, also included.
Maturity Amount is Tax Free u/s 10 (10) (D). Tax Saving For each year of premium
ü Option to take Death Benefit in installments. payment you will save Rs.
36,451 under Sec.80(C).

Plan Parameters
Parameter Min Max
Age 0 55
Term 45 100
Sum Assured 200000 No Limit
Modes Qly, Mly, Hly, Yly, SSS

Presented by
R.SELVAM, B.Sc,BL,MBA This illustration contains guaranteed and non-guaranteed benefits.The
Insurance & Investment Consultant purpose of this illustration is solely to help you understand the projected
[email protected] / [email protected] benefits that may be possible in future. The presenter in no manner is
+91-94444-91816. Webside: www.licselvam.in promising or giving a guarantee about such projected benefits.The actual
benefits will depend upon the future performance of L.I.C. Of India with
respect to this product.
 R.SELVAM, B.Sc,BL,MBA
Insurance & Investment Consultant

[email protected] / [email protected]
+91-94444-91816. Webside: www.licselvam.in

Jeevan Umang Plan Presentation for Mr. Chandru (age 24 years) Ref. No. C00000000001

Forecast of Insurance Benefits

Mode of Premium Yearly Rider

Installment Premium 1,23,274(1,20,620 from 2nd yr onwards) Accident Cover : 15,00,000
Date of Report 08/05/2022 Term Rider : Not Opted

Term 76 Years Critical Illness Rider : Not Opted

Policy Risk Cover Tax Net Returns From Cash Loan

Year Age (Natural Death) Premium Saved Premium LIC Net Cash Flow Value Available
1 25 15,96,000 1,23,274
- 36,451 86,823 0 -1,23,274 0 0
2 26 16,92,000 1,20,620
- 36,451 84,169 0 -1,20,620 70,780 63,702
3 27 17,88,000 1,20,620
- 36,451 84,169 0 -1,20,620 2,19,148 1,97,233
4 28 18,84,000 1,20,620
- 36,451 84,169 0 -1,20,620 3,15,011 2,83,510
5 29 19,80,000 1,20,620
- 36,451 84,169 0 -1,20,620 4,24,536 3,82,082
6 30 20,76,000 1,20,620
- 36,451 84,169 0 -1,20,620 5,49,310 4,94,379
7 31 21,72,000 1,20,620
- 36,451 84,169 0 -1,20,620 6,80,238 6,12,214
8 32 22,68,000 1,20,620
- 36,451 84,169 0 -1,20,620 8,27,747 7,44,972
9 33 23,64,000 1,20,620
- 36,451 84,169 0 -1,20,620 9,95,249 8,95,724
10 34 24,60,000 1,20,620
- 36,451 84,169 0 -1,20,620 11,85,996 10,67,396
11 35 25,56,000 1,20,620
- 36,451 84,169 0 -1,20,620 14,04,634 12,64,171
12 36 26,52,000 1,20,620
- 36,451 84,169 0 -1,20,620 16,68,744 15,01,870
13 37 27,48,000 1,20,620
- 36,451 84,169 0 -1,20,620 19,25,524 17,32,972
14 38 28,44,000 1,20,620
- 36,451 84,169 0 -1,20,620 21,63,918 19,47,526
15 39 29,70,000 1,20,620
- 36,451 84,169 1,20,000 -620 24,57,558 22,11,802
16 40 30,25,500 0 0 0 1,20,000 1,20,000 27,26,700 6,00,000
17 41 30,81,000 0 0 0 1,20,000 1,20,000 27,77,400 6,00,000
18 42 31,36,500 0 0 0 1,20,000 1,20,000 28,28,100 6,00,000
19 43 32,07,000 0 0 0 1,20,000 1,20,000 28,93,800 6,00,000
20 44 32,85,000 0 0 0 1,20,000 1,20,000 29,67,000 6,00,000
21 45 33,78,000 0 0 0 1,20,000 1,20,000 30,55,200 6,00,000
22 46 35,01,000 0 0 0 1,20,000 1,20,000 31,73,400 6,00,000
23 47 36,99,000 0 0 0 1,20,000 1,20,000 33,66,600 6,00,000
24 48 38,97,000 0 0 0 1,20,000 1,20,000 35,59,800 6,00,000
25 49 40,95,000 0 0 0 1,20,000 1,20,000 37,53,000 6,00,000
26 50 42,93,000 0 0 0 1,20,000 1,20,000 39,46,200 6,00,000
27 51 45,21,000 0 0 0 1,20,000 1,20,000 41,69,400 6,00,000
28 52 47,49,000 0 0 0 1,20,000 1,20,000 43,92,600 6,00,000
29 53 49,77,000 0 0 0 1,20,000 1,20,000 46,15,800 6,00,000
30 54 53,10,000 0 0 0 1,20,000 1,20,000 49,44,000 6,00,000
31 55 56,58,000 0 0 0 1,20,000 1,20,000 52,87,200 6,00,000
32 56 60,81,000 0 0 0 1,20,000 1,20,000 57,05,400 6,00,000
33 57 65,04,000 0 0 0 1,20,000 1,20,000 61,23,600 6,00,000
34 58 69,27,000 0 0 0 1,20,000 1,20,000 65,41,800 6,00,000
35 59 73,50,000 0 0 0 1,20,000 1,20,000 69,60,000 6,00,000
36 60 77,73,000 0 0 0 1,20,000 1,20,000 73,78,200 6,00,000
 R.SELVAM, B.Sc,BL,MBA
Insurance & Investment Consultant

[email protected] / [email protected]
+91-94444-91816. Webside: www.licselvam.in

Jeevan Umang Plan Presentation for Mr. Chandru (age 24 years) Ref. No. C00000000001

Policy Risk Cover Tax Net Returns From Cash Loan

Year Age (Natural Death) Premium Saved Premium LIC Net Cash Flow Value Available
37 61 81,96,000 0 0 0 1,20,000 1,20,000 77,96,400 6,00,000
38 62 86,19,000 0 0 0 1,20,000 1,20,000 82,14,600 6,00,000
39 63 90,42,000 0 0 0 1,20,000 1,20,000 86,32,800 6,00,000
40 64 94,65,000 0 0 0 1,20,000 1,20,000 90,51,000 6,00,000
41 65 95,13,000 0 0 0 1,20,000 1,20,000 90,94,200 6,00,000
42 66 95,61,000 0 0 0 1,20,000 1,20,000 91,37,400 6,00,000
43 67 96,09,000 0 0 0 1,20,000 1,20,000 91,80,600 6,00,000
44 68 96,57,000 0 0 0 1,20,000 1,20,000 92,23,800 6,00,000
45 69 97,05,000 0 0 0 1,20,000 1,20,000 92,67,000 6,00,000
46 70 97,53,000 0 0 0 1,20,000 1,20,000 93,10,200 6,00,000
47 71 98,01,000 0 0 0 1,20,000 1,20,000 93,53,400 6,00,000
48 72 98,49,000 0 0 0 1,20,000 1,20,000 93,96,600 6,00,000
49 73 98,97,000 0 0 0 1,20,000 1,20,000 94,39,800 6,00,000
50 74 99,45,000 0 0 0 1,20,000 1,20,000 94,83,000 6,00,000
51 75 99,93,000 0 0 0 1,20,000 1,20,000 95,26,200 6,00,000
52 76 1,00,41,000 0 0 0 1,20,000 1,20,000 95,69,400 6,00,000
53 77 1,00,89,000 0 0 0 1,20,000 1,20,000 96,12,600 6,00,000
54 78 1,01,37,000 0 0 0 1,20,000 1,20,000 96,55,800 6,00,000
55 79 1,01,85,000 0 0 0 1,20,000 1,20,000 96,99,000 6,00,000
56 80 1,02,33,000 0 0 0 1,20,000 1,20,000 97,42,200 6,00,000
57 81 1,02,81,000 0 0 0 1,20,000 1,20,000 97,85,400 6,00,000
58 82 1,03,29,000 0 0 0 1,20,000 1,20,000 98,28,600 6,00,000
59 83 1,03,77,000 0 0 0 1,20,000 1,20,000 98,71,800 6,00,000
60 84 1,04,25,000 0 0 0 1,20,000 1,20,000 99,15,000 6,00,000
61 85 1,04,73,000 0 0 0 1,20,000 1,20,000 99,58,200 6,00,000
62 86 1,05,21,000 0 0 0 1,20,000 1,20,000 1,00,01,400 6,00,000
63 87 1,05,69,000 0 0 0 1,20,000 1,20,000 1,00,44,600 6,00,000
64 88 1,06,17,000 0 0 0 1,20,000 1,20,000 1,00,87,800 6,00,000
65 89 1,06,65,000 0 0 0 1,20,000 1,20,000 1,01,31,000 6,00,000
66 90 1,07,13,000 0 0 0 1,20,000 1,20,000 1,01,74,200 6,00,000
67 91 1,07,61,000 0 0 0 1,20,000 1,20,000 1,02,17,400 6,00,000
68 92 1,08,09,000 0 0 0 1,20,000 1,20,000 1,02,60,600 6,00,000
69 93 1,08,57,000 0 0 0 1,20,000 1,20,000 1,03,03,800 6,00,000
70 94 1,09,05,000 0 0 0 1,20,000 1,20,000 1,03,47,000 6,00,000
71 95 1,09,53,000 0 0 0 1,20,000 1,20,000 1,03,90,200 6,00,000
72 96 1,10,01,000 0 0 0 1,20,000 1,20,000 1,04,33,400 6,00,000
73 97 1,10,49,000 0 0 0 1,20,000 1,20,000 1,04,76,600 6,00,000
74 98 1,10,97,000 0 0 0 1,20,000 1,20,000 1,05,19,800 6,00,000
75 99 1,11,45,000 0 0 0 1,20,000 1,20,000 1,05,63,000 6,00,000
76 100 1,11,93,000 0 0 0 1,11,93,000 1,11,93,000 1,06,06,200 0

18,11,954 5,46,765 12,65,189 1,85,13,000 1,67,01,046

K e y A s s u mp t i o n s
Personal Data: DOB: 08/05/1998
 R.SELVAM, B.Sc,BL,MBA
Insurance & Investment Consultant

[email protected] / [email protected]
+91-94444-91816. Webside: www.licselvam.in

Jeevan Umang Plan Presentation for Mr. Chandru (age 24 years) Ref. No. C00000000001
Income Tax: Sec. 80C Limit Available: 1,50,000 Sec. 80D Limit Available: 15,000
Tax Savings on premiums will be @ 30.90 % u/s 80C and @ 30.90 % u/s 80D
Projections: Bonus: Last declared reversionary bonus has been considered for the purpose of projected Riskcover and Returns.
Terminal Bonus: Last declared terminal bonus of their respective matching discontinued plans has also been considered.
Age and Returns shown are at the end of the specific year.