LIC's Index Plus (Plan No.

873)

Benefit Illustration

LIC's Index Plus (Plan No. 873)

A Non-par, Linked, Life Individual Savings Plan
(Unique Identification Number - 512L354V01)

Distribution channel Offline Agency name R.SANTHOSH KUMAR Agency code 0300671N
Name of prospect Power care Solutions Age of prospect 14 years Date of illustration 01-11-2024
Name of life assured Lakshanyaa Age of life assured 14 years Benefit UID
Mode of payment of
Policy term 25 years Premium paying term 25 years Yearly
premium
Sum assured 3,00,000 Instalment premium 30,000.00 GST rate 18.00%
Investment strategy
Fund opted Flexi growth fund Risk level Very high risk Self managed
opted for
LIC's Linked ADB rider Not opted AB rider sum assured 0
Death benefit option 2 Sum assured multiple 10

How to read and understand this benefit illustration?

This benefit illustration is intended to show what charges are deducted from your premiums and how the unit fund, net of charges and taxes, may grow over the years of the
policy term if the fund earns a gross return of 8% p.a. or 4% p.a. These rates, i.e., 8% p.a. and 4% p.a. are assumed only for the purpose of illustrating the flow of benefits if
the returns are at this level. It should not be interpreted that the returns under the plan are going to be either 8% p.a. or 4% p.a.

Net yield mentioned corresponds to the gross investment return of 8% p.a., net of all charges but does not consider mortality, morbidity charges, underwriting extra, if any,
guarantee charges and cost of riders, if deducted by cancellation of units. It demonstrates the impact of charges exclusive of taxes on the net yield. Please note that the
mortality charges per thousand sum assured in general, increases with age.

The actual returns can vary depending on the performance of the chosen fund, charges towards mortality, morbidity, underwriting extra, cost of riders, etc. The investment risk
in this policy is borne by the policyholder, hence, for more details on terms and conditions please read sales literature carefully.

Part A of this statement presents a summary view of year-by-year charges deducted under the policy, fund value, surrender value and the death benefit, at two assumed rate
of return. Part B of this statement presents a detailed break-up of the charges, and other values.

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 LIC's Index Plus (Plan No. 873)

Part A:

(Amount in rupees)

At 4% p.a. gross investment return At 8% p.a. gross investment return

Other Other
charges charges
(including (including
GST GST
Annualized FMC and FMC and
Policy year (excluding (excluding
premium GST on GST on
Mortality GST on Fund at end Surrender Death Mortality GST on Fund at end Surrender Death
FMC but FMC but
charges FMC and of year value benefit charges FMC and of year value benefit
excluding discontinua excluding discontinua
discontinua nce charge) discontinua nce charge)
nce charge nce charge
and its and its
GST)* GST)*
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)

1 30000 226 2834 473 27540 24000 300000 226 2843 473 28605 25065 300000

2 30000 229 2540 338 56634 54274 300000 227 2576 338 59951 57591 300000

3 30000 223 3007 337 86424 84654 300000 218 3090 336 93285 91515 300000

4 30000 207 3486 334 116938 115758 300000 196 3637 332 128745 127565 300000

5 30000 181 3976 330 148204 148204 300000 164 4218 326 166480 166480 300000

6 30000 149 5002 418 180526 180526 300000 122 5361 414 206920 206920 300000

7 30000 112 5569 420 212699 212699 300000 73 6072 413 249008 249008 300000

8 30000 72 6137 422 245620 245620 300000 19 6813 413 293753 293753 300000

9 30000 30 6719 425 279306 279306 300000 0 7600 419 341275 341275 341275

10 30000 6 7316 430 315549 315549 315549 0 8435 429 393523 393523 393523

11 30000 1 7957 440 350785 350785 350785 0 9350 440 447192 447192 447192

12 30000 0 8584 451 386781 386781 386781 0 10291 451 504168 504168 504168

13 30000 0 9227 463 423550 423550 423550 0 11289 463 564655 564655 564655

14 30000 0 9885 475 461107 461107 461107 0 12348 475 628870 628870 628870

15 30000 0 10559 488 503066 503066 503066 0 13472 488 700645 700645 700645

16 30000 0 11308 502 542328 542328 542328 0 14723 502 773251 773251 773251

17 30000 0 12017 516 582423 582423 582423 0 15992 516 850336 850336 850336

18 30000 0 12743 531 623367 623367 623367 0 17338 531 932178 932178 932178

19 30000 0 13487 547 665174 665174 665174 0 18766 547 1019071 1019071 1019071

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 LIC's Index Plus (Plan No. 873)

(Amount in rupees)

At 4% p.a. gross investment return At 8% p.a. gross investment return

Other Other
charges charges
(including (including
GST GST
Annualized FMC and FMC and
Policy year (excluding (excluding
premium GST on GST on
Mortality GST on Fund at end Surrender Death Mortality GST on Fund at end Surrender Death
FMC but FMC but
charges FMC and of year value benefit charges FMC and of year value benefit
excluding discontinua excluding discontinua
discontinua nce charge) discontinua nce charge)
nce charge nce charge
and its and its
GST)* GST)*
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)

20 30000 0 14249 564 712361 712361 712361 0 20281 564 1115828 1115828 1115828

21 30000 0 15102 581 756049 756049 756049 0 21962 581 1214065 1214065 1214065

22 30000 0 15904 599 800648 800648 800648 0 23672 599 1318371 1318371 1318371

23 30000 0 16726 618 846176 846176 846176 0 25487 618 1429120 1429120 1429120

24 30000 0 17567 638 892647 892647 892647 0 27413 638 1546713 1546713 1546713

25 30000 0 18429 660 946911 946911 946911 0 29456 660 1678219 1678219 1678219

*See 'Part B' for details

Force Majeure Conditions:

a. The Corporation shall value the funds (SFIN) on each day for which financial markets are open. However, the Corporation may value the SFIN less frequently in extreme
circumstances external to the Corporation, i.e. in force majeure events, where the value of the assets is too uncertain. In such circumstances, the Corporation may defer
the valuation of the assets for up to 30 days until the Corporation is certain that the valuation of SFIN can be resumed.
b. The Corporation will inform IRDAI of such deferment of the valuation of assets. During the continuance of the force majeure events, all requests for servicing the policy,
including policy related payment, shall be kept in abeyance.
c. The Corporation will continue to invest as per the investment pattern of the fund type opted by the policyholder. However, the Corporation reserves the right to change the
exposure of all or any part of the fund to money market instruments (as defined under Regulations 1(8) Schedule III of IRDAI(Actuarial, Finance and Investment functions)
Regulations, 2024) in circumstances mentioned under points (a) and (b) above. The exposure of the chosen fund shall be reinstated within reasonable timelines once the
force majeure situation ends.
d. Few examples of such circumstances as mentioned in point (a) & (b) above are:
i. When one or more stock exchanges which provide a basis for valuation of the assets of the fund are closed otherwise than for ordinary holidays.
ii. When, as a result of political, economic, monetary or any circumstances which are not in the control of the Corporation, the disposal of the assets of the fund would be
detrimental to the interests of the continuing policyholders.
iii. In the event of natural calamities, strikes, war, civil unrest, riots and bandhs.
iv. In the event of any force majeure or disaster that affects the normal functioning of the Corporation.
e. In such an event, an intimation of such force majeure event shall be uploaded on the Corporation’s website for information.

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 LIC's Index Plus (Plan No. 873)

IN THIS POLICY, THE INVESTMENT RISK IS BORNE BY THE POLICYHOLDER AND THE ABOVE INTEREST RATES ARE ONLY FOR ILLUSTRATIVE PURPOSE.

I, ________________________________________ (name), have explained I, ________________________________________ (name), having received

the premiums, charges and benefits under the product fully to the the information with respect to the above, have understood the above statement
prospect/policyholder. before entering into the contract.
Place : Place :
Date : Signature of agent/intermediary/official of the insurer Date : Signature of prospect/policyholder

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 LIC's Index Plus (Plan No. 873)

Part B:

(Amount in rupees)

Gross yield (p.a.) 8.00% Net yield (p.a.) 6.12%

GST
Annualize (excluding
Premium d premium Accident FMC
GST on Policy Addition Fund (including Fund after Guarantee Refund of Fund at
Policy Annualize allocation less Mortality benefit Surrender Death
FMC and admin to the before d addition mortality end of
year d premium charge premium charge rider tax charge FMC value benefit
discontinu charge fund FMC charge year
(PAC) allocation charge on FMC)
ance
charge charge)
(12)=(10)-
(1) (2) (3) (4)=(2)-(3) (5) (6) (7) (8) (9) (10) (11) (13) (14) (15) (16) (17)
(11)
1 30000 2400 27600 226 473 0 0 2146 29048 443 28605 0 0 28605 25065 300000

2 30000 1650 28350 227 338 0 0 4488 60877 926 59951 0 0 59951 57591 300000

3 30000 1650 28350 218 336 0 0 6978 94725 1440 93285 0 0 93285 91515 300000

4 30000 1650 28350 196 332 0 0 9626 130732 1987 128745 0 0 128745 127565 300000

5 30000 1650 28350 164 326 0 0 12444 169049 2568 166480 0 0 166480 166480 300000

6 30000 1200 28800 122 414 975 0 15436 209205 3186 206020 900 0 206920 206920 300000

7 30000 1200 28800 73 413 1024 0 18647 252857 3848 249008 0 0 249008 249008 300000

8 30000 1200 28800 19 413 1075 0 21990 298291 4538 293753 0 0 293753 293753 300000

9 30000 1200 28800 0 419 1129 0 25541 346546 5271 341275 0 0 341275 341275 341275

10 30000 1200 28800 0 429 1185 0 29312 397773 6049 391723 1800 0 393523 393523 393523

11 30000 1200 28800 0 440 1244 0 33459 454098 6905 447192 0 0 447192 447192 447192

12 30000 1200 28800 0 451 1307 0 37718 511952 7784 504168 0 0 504168 504168 504168

13 30000 1200 28800 0 463 1372 0 42239 573372 8717 564655 0 0 564655 564655 564655

14 30000 1200 28800 0 475 1440 0 47039 638578 9708 628870 0 0 628870 628870 628870

15 30000 1200 28800 0 488 1513 0 52135 707805 10760 697045 3600 0 700645 700645 700645

16 30000 1200 28800 0 502 1588 0 57831 785186 11935 773251 0 0 773251 773251 773251

17 30000 1200 28800 0 516 1668 0 63593 863460 13124 850336 0 0 850336 850336 850336

18 30000 1200 28800 0 531 1751 0 69711 946565 14387 932178 0 0 932178 932178 932178

19 30000 1200 28800 0 547 1839 0 76206 1034798 15727 1019071 0 0 1019071 1019071 1019071

20 30000 1200 28800 0 564 1930 0 83101 1128478 17150 1111328 4500 0 1115828 1115828 1115828

21 30000 1200 28800 0 581 2027 0 90780 1232801 18735 1214065 0 0 1214065 1214065 1214065

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 LIC's Index Plus (Plan No. 873)

(Amount in rupees)

Gross yield (p.a.) 8.00% Net yield (p.a.) 6.12%

GST
Annualize (excluding
Premium d premium Accident FMC
GST on Policy Addition Fund (including Fund after Guarantee Refund of Fund at
Policy Annualize allocation less Mortality benefit Surrender Death
FMC and admin to the before d addition mortality end of
year d premium charge premium charge rider tax charge FMC value benefit
discontinu charge fund FMC charge year
(PAC) allocation charge on FMC)
ance
charge charge)
(12)=(10)-
(1) (2) (3) (4)=(2)-(3) (5) (6) (7) (8) (9) (10) (11) (13) (14) (15) (16) (17)
(11)
22 30000 1200 28800 0 599 2128 0 98577 1338715 20344 1318371 0 0 1318371 1318371 1318371

23 30000 1200 28800 0 618 2235 0 106855 1451172 22053 1429120 0 0 1429120 1429120 1429120

24 30000 1200 28800 0 638 2346 0 115644 1570579 23866 1546713 0 0 1546713 1546713 1546713

25 30000 1200 28800 0 660 2464 0 124977 1697366 25793 1671574 5400 1246 1678219 1678219 1678219

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 LIC's Index Plus (Plan No. 873)

(Amount in rupees)

Gross yield (p.a.) 4.00%

GST
Annualize (excluding
Premium d premium Accident FMC
GST on Policy Addition Fund (including Fund after Guarantee Refund of Fund at
Policy Annualize allocation less Mortality benefit Surrender Death
FMC and admin to the before d addition mortality end of
year d premium charge premium charge rider tax charge FMC value benefit
discontinu charge fund FMC charge year
(PAC) allocation charge on FMC)
ance
charge charge)
(12)=(10)-
(1) (2) (3) (4)=(2)-(3) (5) (6) (7) (8) (9) (10) (11) (13) (14) (15) (16) (17)
(11)
1 30000 2400 27600 226 473 0 0 1073 27974 434 27540 0 0 27540 24000 300000

2 30000 1650 28350 229 338 0 0 2202 57524 890 56634 0 0 56634 54274 300000

3 30000 1650 28350 223 337 0 0 3357 87781 1357 86424 0 0 86424 84654 300000

4 30000 1650 28350 207 334 0 0 4541 118773 1836 116938 0 0 116938 115758 300000

5 30000 1650 28350 181 330 0 0 5753 150530 2326 148204 0 0 148204 148204 300000

6 30000 1200 28800 149 418 975 0 6992 182453 2827 179626 900 0 180526 180526 300000

7 30000 1200 28800 112 420 1024 0 8275 216045 3346 212699 0 0 212699 212699 300000

8 30000 1200 28800 72 422 1075 0 9552 249482 3862 245620 0 0 245620 245620 300000

9 30000 1200 28800 30 425 1129 0 10859 283696 4391 279306 0 0 279306 279306 300000

10 30000 1200 28800 6 430 1185 0 12196 318680 4931 313749 1800 0 315549 315549 315549

11 30000 1200 28800 1 440 1244 0 13634 356297 5513 350785 0 0 350785 350785 350785

12 30000 1200 28800 0 451 1307 0 15031 392858 6078 386781 0 0 386781 386781 386781

13 30000 1200 28800 0 463 1372 0 16459 430205 6655 423550 0 0 423550 423550 423550

14 30000 1200 28800 0 475 1440 0 17917 468352 7245 461107 0 0 461107 461107 461107

15 30000 1200 28800 0 488 1513 0 19407 507313 7847 499466 3600 0 503066 503066 503066

16 30000 1200 28800 0 502 1588 0 21071 550847 8520 542328 0 0 542328 542328 542328

17 30000 1200 28800 0 516 1668 0 22628 591572 9149 582423 0 0 582423 582423 582423

18 30000 1200 28800 0 531 1751 0 24218 633159 9792 623367 0 0 623367 623367 623367

19 30000 1200 28800 0 547 1839 0 25842 675623 10449 665174 0 0 665174 665174 665174

20 30000 1200 28800 0 564 1930 0 27500 718980 11119 707861 4500 0 712361 712361 712361

21 30000 1200 28800 0 581 2027 0 29371 767924 11876 756049 0 0 756049 756049 756049

22 30000 1200 28800 0 599 2128 0 31103 813224 12576 800648 0 0 800648 800648 800648

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 LIC's Index Plus (Plan No. 873)

(Amount in rupees)

Gross yield (p.a.) 4.00%

GST
Annualize (excluding
Premium d premium Accident FMC
GST on Policy Addition Fund (including Fund after Guarantee Refund of Fund at
Policy Annualize allocation less Mortality benefit Surrender Death
FMC and admin to the before d addition mortality end of
year d premium charge premium charge rider tax charge FMC value benefit
discontinu charge fund FMC charge year
(PAC) allocation charge on FMC)
ance
charge charge)
(12)=(10)-
(1) (2) (3) (4)=(2)-(3) (5) (6) (7) (8) (9) (10) (11) (13) (14) (15) (16) (17)
(11)
23 30000 1200 28800 0 618 2235 0 32871 859467 13291 846176 0 0 846176 846176 846176

24 30000 1200 28800 0 638 2346 0 34676 906667 14021 892647 0 0 892647 892647 892647

25 30000 1200 28800 0 660 2464 0 36519 954842 14766 940076 5400 1435 946911 946911 946911

Notes:

1. Refer the sales literature for explanation of terms used in this illustration.
2. Fund management charge is based on the specific fund option(s) chosen.
3. In case rider charges are collected explicitly through collection of rider premium, and not by way of cancellation of units, then such charges are not considered in this
illustration. In other cases, rider charges are included in other charges.
4. The above illustrations are for indicative purpose. The annual charges shown above are sum total of charges deducted throughout the policy year as per the
frequency/conditions detailed in sales brochure/policy document.
5. This illustration is prepared by considering standard life (from medical, life style and occupation point of view).
6. In case LIC's Accidental Death Benefit rider is opted for, rider charges are included in other charges under part A. However, under part B, accident benefit rider charge is
shown separately.
7. Fund at the start shall be the amount available for investment in the first year and previous year's end fund for rest of the years.
8. Above calculations have been performed considering deductions of mortality charge, policy administration charges and tax charge on these charges at the start of each
policy month and deduction of FMC and Tax charge on FMC the end of each policy month.
9. Tax charge (currently GST) is subject to change from time to time.
10. Total death benefit is the amount payable immediately on death of the life assured, which is higher of (basic sum assured reduced by partial withdrawal made during the
two years period immediately preceding the date of death) or unit fund value or (105% of the total premiums received reduced by partial withdrawal during the two years
period immediately preceding the date of death), where basic sum assured is (7 times of annualized premium), for age greater than 50 years and (7 or 10 times of
annualized premium as per the choice), for age less than or equal to 50 years.
11. The death benefit has been calculated assuming that death occurs on completion of the policy year and the option of partial withdrawal has not been exercised.
12. In addition to death benefit, accident benefit sum assured is payable as per terms and conditions of the policy, if LIC's Accidental Death Benefit rider is opted for and
death occurs due to accident.
13. The above illustration assumes the policy is surrendered on completion of the policy year after addition of guaranteed addition in unit fund. In case the policy is
surrendered on or before 5 years' lock-in-period, surrender value shown above equals unit fund value at the end of policy year minus discontinuance charge minus tax
charge on discontinuance charge. This amount shall be transferred to the discontinued policy fund and the proceeds of the discontinued policy fund shall be payable on
completion of 5 years' lock-in-period. In case the policy is surrendered after expiry of 5 years' lock-in-period, the surrender value shall be payable immediately.

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 LIC's Index Plus (Plan No. 873)

14. For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.
I, ________________________________________ (name), have explained I, ________________________________________ (name), having received
the premiums, charges and benefits under the product fully to the the information with respect to the above, have understood the above statement
prospect/policyholder. before entering into the contract.
Place : Place :
Date : Signature of agent/intermediary/official of the insurer Date : Signature of prospect/policyholder

Page 9