LIC's Jeeven Umang (Plan No.

745)

Benefit Illustration

LIC's Jeeven Umang (Plan No. 745)

A Par, Non-Linked, Individual, Savings, Whole Life Insurance Plan
(Unique Identification Number - 512N312V03)

Distribution channel Offline Agency name KEERTHI J A Agency code 0335689G

Name of Age of
Madhavi S 37 years Date of illustration 14-06-2025
prospect/policyholder prospect/policyholder
Name of life assured Madhavi S Age of life assured 38 years Benefit UID/Proposal no.
Mode of payment of
Policy term 62 years Premium payment term 15 years Monthly
premium

Basic sum assured Rs. 7,00,000 Sum assured on death1 7,00,000 Instalment premium 4,777.00
(at inception of the policy) Rs. (for base plan)

Bonus type Simple reversionary and final additional bonus

How to read and understand this benefit illustration?

This benefit illustration is intended to show year-wise premiums payable and benefits under the policy, at two assumed rates of interest i.e., 8% p.a. and 4% p.a.

Some benefits are guaranteed and some benefits are variable with returns based on the future performance of your insurer carrying on life insurance business. If your policy
offers guaranteed benefits then these will be clearly marked 'guaranteed' in the illustration table on this page. If your policy offers variable benefits then the illustrations on this
page will show two different rates of assumed future investment returns, of 8% p.a. and 4% p.a. These assumed rates of return are not guaranteed and they are not the upper
or lower limits of what you might get back, as the value of your policy is dependent on a number of factors including future investment performance.

Premium summary
Particular Base plan Riders2 Total instalment premium
Instalment premium without GST 4,777.00 63.00 4,840.00
Instalment premium with GST @ 4.50% (1st year) 4,992.00 66.00 5,058.00
Instalment premium with GST @ 2.25% (2nd year onwards) 4,884.48 64.42 4,948.90
GST rate shall be as applicable from time to time.

Page 1
 LIC's Jeeven Umang (Plan No. 745)

(Amount in rupees)
Total benefits (including guaranteed and
non-guaranteed benefits)
Guaranteed benefits Non-guaranteed benefits @ 4% p.a. Non-guaranteed benefits @ 8% p.a.
Maturity benefit Death benefit5
Maturity Maturity Death Death
Annualize benefit, benefit, benefit, benefit,
Policy d incl. of incl. of incl. of incl. of
year (End premium 3
of the Total Total final final final final
(cumulati Guarante
Maturity Reversion guarantee
year) Special Surrender Reversion guarantee Special Surrender additional additional additional additional
ve) Survival ed Death d surrender benefit ary bonus d surrender benefit bonus bonus bonus bonus
benefit surrender benefit benefit ary bonus surrender value surrender value (FAB), if (FAB), if (FAB), if (FAB), if
value value value any, @ any, @ any, @ any, @
4% 8% 4% 8%
(6+7+FAB (6+11+FA (5+7+FAB (5+11+FA
) B) ) B)
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16) (17) (18)

1 56148 0 0 700000 0 0 0 3556 3556 36400 0 3556 3556 0 0 700000 736400

2 112296 0 34394 700000 0 0 34394 7551 34394 72800 34394 7551 34394 0 0 700000 772800

3 168444 0 60190 700000 0 0 60190 11998 60190 109200 76494 21356 76494 0 0 700000 809200

4 224592 0 114648 700000 0 0 114648 16968 114648 145600 136881 30203 136881 0 0 700000 845600

5 280740 0 143310 700000 0 0 143310 123150 143310 182000 171720 140677 171720 0 0 700000 882000

6 336888 0 171972 700000 0 0 171972 158906 171972 218400 206807 181182 206807 0 0 700000 918400

7 393036 0 200634 700000 0 0 200634 199402 200634 254800 242141 226946 242141 0 0 700000 954800

8 449184 0 232690 700000 0 0 232690 245140 245140 291200 281117 278483 281117 0 0 700000 991200

9 505332 0 265594 700000 0 0 265594 296685 296685 327600 321188 336390 336390 0 0 700000 1027600

10 561480 0 299346 700000 0 0 299346 354722 354722 364000 362354 401423 401423 0 0 700000 1064000

11 617628 0 333947 700000 0 0 333947 419932 419932 400400 404618 474266 474266 0 0 700000 1100400

12 673776 0 369396 700000 0 0 369396 493096 493096 436800 447976 555733 555733 0 0 722282 1136800

13 729924 0 405693 700000 0 0 405693 575173 575173 473200 492431 646862 646862 0 0 782473 1173200

14 786072 0 442920 700000 0 0 442920 667122 667122 509600 538062 748607 748607 0 0 842663 1209600

15 842220 56000 480920 700000 0 0 480920 713986 713986 546000 584715 812987 812987 0 0 902853 1253000

16 842220 56000 487283 700000 0 0 487283 713269 713269 564200 596456 822515 822515 0 0 902853 1273300

17 842220 56000 493646 700000 0 0 493646 712491 712491 582400 608321 831725 831725 0 0 902853 1292900

18 842220 56000 500009 700000 0 0 500009 711732 711732 600600 620309 842170 842170 0 0 902853 1313200

19 842220 56000 506372 700000 0 0 506372 710923 710923 618800 632422 855834 855834 0 0 902853 1336300

20 842220 56000 512735 700000 0 0 512735 710058 710058 637000 644658 872022 872022 0 0 902853 1361500

Page 2
 LIC's Jeeven Umang (Plan No. 745)

(Amount in rupees)
Total benefits (including guaranteed and
non-guaranteed benefits)
Guaranteed benefits Non-guaranteed benefits @ 4% p.a. Non-guaranteed benefits @ 8% p.a.
Maturity benefit Death benefit5
Maturity Maturity Death Death
Annualize benefit, benefit, benefit, benefit,
Policy d incl. of incl. of incl. of incl. of
year (End premium 3
of the Total Total final final final final
(cumulati Guarante
Maturity Reversion guarantee
year) Special Surrender Reversion guarantee Special Surrender additional additional additional additional
ve) Survival ed Death d surrender benefit ary bonus d surrender benefit bonus bonus bonus bonus
benefit surrender benefit benefit ary bonus surrender value surrender value (FAB), if (FAB), if (FAB), if (FAB), if
value value value any, @ any, @ any, @ any, @
4% 8% 4% 8%
(6+7+FAB (6+11+FA (5+7+FAB (5+11+FA
) B) ) B)
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16) (17) (18)

21 842220 56000 519097 700000 0 0 519097 709201 709201 655200 657017 892276 892276 0 0 902853 1390200

22 842220 56000 525460 700000 0 0 525460 708260 708260 673400 669500 919952 919952 0 0 902853 1425900

23 842220 56000 531823 700000 0 0 531823 707428 707428 691600 682108 965961 965961 0 0 902853 1479100

24 842220 56000 538186 700000 0 0 538186 706462 706462 709800 694839 1012375 1012375 0 0 902853 1532300

25 842220 56000 544549 700000 0 0 544549 705474 705474 728000 707694 1059461 1059461 0 0 902853 1585500

26 842220 56000 550912 700000 0 0 550912 704441 704441 746200 720673 1107220 1107220 0 0 902853 1638700

27 842220 56000 557275 700000 0 0 557275 703480 703480 764400 733775 1162943 1162943 0 0 902853 1698900

28 842220 56000 563724 700000 0 0 563724 702366 702366 782600 747087 1219202 1219202 0 0 902853 1759100

29 842220 56000 570087 700000 0 0 570087 701226 701226 800800 760437 1276303 1276303 0 0 902853 1819300

30 842220 56000 576450 700000 0 0 576450 700056 700056 819000 773911 1358766 1358766 0 0 902853 1904000

31 842220 56000 582813 700000 0 0 582813 698866 698866 837200 787508 1445630 1445630 0 0 902853 1992200

32 842220 56000 589176 700000 0 0 589176 697656 697656 855400 801230 1550923 1550923 0 0 902853 2097900

33 842220 56000 595539 700000 0 0 595539 696315 696315 873600 815075 1656885 1656885 0 0 902853 2203600

34 842220 56000 601902 700000 0 0 601902 695058 695058 891800 829043 1764016 1764016 0 0 902853 2309300

35 842220 56000 608265 700000 0 0 608265 693714 693714 910000 843136 1871905 1871905 0 0 902853 2415000

36 842220 56000 614628 700000 0 0 614628 692370 692370 928200 857352 1980747 1980747 0 0 902853 2520700

37 842220 56000 620991 700000 0 0 620991 690844 690844 946400 871692 2090099 2090099 0 0 902853 2626400

38 842220 56000 627354 700000 0 0 627354 689525 689525 964600 886253 2200838 2200838 0 0 902853 2732100

39 842220 56000 633717 700000 0 0 633717 688016 688016 982800 900842 2312008 2312008 0 0 902853 2837800

40 842220 56000 640080 700000 0 0 640080 686571 686571 1001000 915555 2424166 2424166 0 0 902853 2943500

Page 3
 LIC's Jeeven Umang (Plan No. 745)

(Amount in rupees)
Total benefits (including guaranteed and
non-guaranteed benefits)
Guaranteed benefits Non-guaranteed benefits @ 4% p.a. Non-guaranteed benefits @ 8% p.a.
Maturity benefit Death benefit5
Maturity Maturity Death Death
Annualize benefit, benefit, benefit, benefit,
Policy d incl. of incl. of incl. of incl. of
year (End premium 3
of the Total Total final final final final
(cumulati Guarante
Maturity Reversion guarantee
year) Special Surrender Reversion guarantee Special Surrender additional additional additional additional
ve) Survival ed Death d surrender benefit ary bonus d surrender benefit bonus bonus bonus bonus
benefit surrender benefit benefit ary bonus surrender value surrender value (FAB), if (FAB), if (FAB), if (FAB), if
value value value any, @ any, @ any, @ any, @
4% 8% 4% 8%
(6+7+FAB (6+11+FA (5+7+FAB (5+11+FA
) B) ) B)
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16) (17) (18)

41 842220 56000 646529 700000 0 0 646529 685084 685084 1019200 930478 2541917 2541917 0 0 902853 3054100

42 842220 56000 652892 700000 0 0 652892 683654 683654 1037400 945439 2665468 2665468 0 0 902853 3169600

43 842220 56000 659255 700000 0 0 659255 682108 682108 1055600 960523 2793643 2793643 0 0 902853 3289300

44 842220 56000 665618 700000 0 0 665618 680627 680627 1073800 975731 2928231 2928231 0 0 902853 3414600

45 842220 56000 671981 700000 0 0 671981 679179 679179 1092000 991063 3068397 3068397 0 0 902853 3544800

46 842220 56000 678344 700000 0 0 678344 677659 678344 1110200 1006519 3213812 3213812 0 0 902853 3679900

47 842220 56000 684707 700000 0 0 684707 676169 684707 1128400 1022099 3365382 3365382 0 0 902853 3820600

48 842220 56000 691069 700000 0 0 691069 674750 691069 1146600 1037801 3521741 3521741 0 0 902853 3965500

49 842220 56000 697432 700000 0 0 697432 673369 697432 1164800 1053628 3684135 3684135 0 0 902853 4116000

50 842220 56000 703795 700000 0 0 703795 671910 703795 1183000 1069579 3850801 3850801 0 0 902853 4270700

51 842220 56000 710158 700000 0 0 710158 670547 710158 1201200 1085653 4022829 4022829 0 0 902853 4430300

52 842220 56000 716521 700000 0 0 716521 669161 716521 1219400 1101851 4199848 4199848 0 0 902853 4594800

53 842220 56000 722884 700000 0 0 722884 667769 722884 1237600 1118173 4381152 4381152 0 0 902853 4763500

54 842220 56000 729247 700000 0 0 729247 666518 729247 1255800 1134619 4567117 4567117 0 0 902853 4936400

55 842220 56000 735696 700000 0 0 735696 665255 735696 1274000 1151275 4757325 4757325 0 0 902853 5113500

56 842220 56000 742059 700000 0 0 742059 665255 742059 1292200 1167968 4933333 4933333 0 0 902853 5294100

57 842220 56000 748422 700000 0 0 748422 665255 748422 1310400 1184785 5112841 5112841 0 0 902853 5478200

58 842220 56000 754785 700000 0 0 754785 665255 754785 1328600 1201726 5295149 5295149 0 0 902853 5665100

59 842220 56000 761148 700000 0 0 761148 665255 761148 1346800 1218791 5480957 5480957 0 0 902853 5855500

60 842220 56000 767511 700000 0 0 767511 665255 767511 1365000 1235979 5668865 5668865 0 0 902853 6048000

Page 4
 LIC's Jeeven Umang (Plan No. 745)

(Amount in rupees)
Total benefits (including guaranteed and
non-guaranteed benefits)
Guaranteed benefits Non-guaranteed benefits @ 4% p.a. Non-guaranteed benefits @ 8% p.a.
Maturity benefit Death benefit5
Maturity Maturity Death Death
Annualize benefit, benefit, benefit, benefit,
Policy d incl. of incl. of incl. of incl. of
year (End premium 3
of the Total Total final final final final
(cumulati Guarante
Maturity Reversion guarantee
year) Special Surrender Reversion guarantee Special Surrender additional additional additional additional
ve) Survival ed Death d surrender benefit ary bonus d surrender benefit bonus bonus bonus bonus
benefit surrender benefit benefit ary bonus surrender value surrender value (FAB), if (FAB), if (FAB), if (FAB), if
value value value any, @ any, @ any, @ any, @
4% 8% 4% 8%
(6+7+FAB (6+11+FA (5+7+FAB (5+11+FA
) B) ) B)
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16) (17) (18)

61 842220 56000 773874 700000 0 0 773874 665255 773874 1383200 1253291 5858873 5858873 0 0 902853 6242600

62 842220 0 773874 700000 700000 0 773874 665255 773874 1401400 1264364 6050282 6050282 700000 6438600 902853 6438600

Notes:

The main objective of the illustration is that the client is able to appreciate the features of the products and the flow of the benefit in different circumstances with some level of
quantification.
This illustration is applicable to a standard (from medical, life style and occupation point of view) life.

1. If age at entry of the life assured is less than 8 years, the risk will commence after completion of 2 years from date of commencement of policy or completion of 8 years of
age, whichever is earlier. In case of death of the life assured before the commencement of risk, an amount equal to the total premium(s) paid excluding underwriting extra
premium, rider premium(s), if any, and goods & service tax shall be payable.
2. It includes rider(s) premiums in respect of all the rider(s) opted by the proposer/policyholder at inception of the policy.
3. Annualized premium excludes underwriting extra premium, frequency loadings on premiums, the premiums paid towards the riders, if any, and goods & service tax. Refer
sales literature for explanation of terms used in this illustration.
4. Surrender value is higher of guaranteed surrender value (GSV) and special surrender value (SSV). SSV shall be reviewed in line with IRDAI Master Circular on Life
Insurance Products (Ref no.: IRDAI/ACTL/MSTCIR/MISC/89/6/2024 dated 12th June, 2024) and any subsequent circulars issued by IRDAI in this regard. For surrender
value calculation, it is assumed that the bonuses shall vest upon its declaration based on experience of the Corporation under this product, in the manner as per the terms
and conditions of annual valuation results.
5. In any case, the total death benefit during the policy term shall not be less than 105% of the total premiums paid (excluding GST, extra premium and rider premiums, if
any).
6. The actual allocation to policyholders, out of the surplus emerging from the actuarial investigation, shall be in accordance with provisions in this regard under LIC Act, 1956.

Page 5
 LIC's Jeeven Umang (Plan No. 745)

I, ________________________________________ (name), having received

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

Page 6