'New dimension' by. p.t.patil

NEW ENDOWMENT PLAN 814

PLANS>>>>>>>>>>> 814 NEW ENDT AGE LIFE ACCIDENTAL TOTAL PRM WITHOUT ( ST ) 30.09%

SALIENT FEATURE PLAN WITH PROFIT RISK RISK WITH ( ST ) PREMIUM TAX BENEFIT

MIN.AGE 8 YRS LBD 30 521000 500000 25059 24308 7551

MAX,AGE 55 YRS ANB 31 542000 500000 24684 24308 7551

MAX,MAT.AGE 75 YRS ANB 32 563000 500000 24684 24308 7551

MIN.POLICY TERM 12 YRS 33 584000 500000 24684 24308 7551

MAX.POLICY TERM 35 YRS 34 605000 500000 24684 24308 7551

PRM.PAY.TERM EQUAL TO POLICY TERM 35 626000 500000 24684 24308 7551

MIN.S.A. 100000 36 647000 500000 24684 24308 7551

MAX.S.A. NO LIMIT 37 668000 500000 24684 24308 7551

MULTIPLE S.A. 5000 38 689000 500000 24684 24308 7551MULTIPLE S.A. 5000 38 689000 500000 24684 24308 7551

REBATE FOR S.A 39 710000 500000 24684 24308 7551

40 731000 500000 24684 24308 7551

1LAK TO 1.95> NIL 41 752000 500000 24684 24308 7551

2LAKS TO 4.95=2% OF BSA 42 773000 500000 24684 24308 7551

5LAKS ABOVE = 3% OF BSA 43 794000 500000 24684 24308 7551

MODE OF PAYMENT ALL MODES 44 825000 500000 24684 24308 7551

MODE REBATE YLY=2%,HLY=1%,QLY=NIL 45 848500 500000 24684 24308 7551

DAB/EPDB YES MAX. 50LAKS 46 872000 500000 24684 24308 7551

TERM RIDER NOT AVAILABLE 47 895500 500000 24684 24308 7551

PWB N/A 48 924000 500000 24684 24308 7551

CIR NOT AVAILABLE 49 955000 500000 24684 24308 7551

DATING BACK YES 50 0 500000 25059 24308 7551

NOMINATION YES TOTAL>>>> RS.494050 RS.486160 RS.150220

ASSIGNMENT YES TOTAL MATURITY> RS.955000/- YIELD ON INVESTMENT> 8.96%

SUICIDE WITHIN 1YR 80% REFUND OF PRM. COMPARE NEW WITH OLD PLANSUICIDE WITHIN 1YR 80% REFUND OF PRM. COMPARE NEW WITH OLD PLAN

RISK COMMENCES FROM DATE OF ACCEPTANCE OLD ENDOWMENT PLAN 14

AGE LIFE ACCIDENTAL TOTAL WITHOUT ( ST ) 30.09%

MIN.PRM RS.300/- RISK RISK PREMIUM PREMIUM TAX BENEFIT

AGE PROOFS STD,NSAP I,II,III 30 521000 500000 23977 23977 7409

FEMALE CAT. CAT. I.II.III 31 542000 500000 23977 23977 7409

NMG/NMS ALLOWED 32 563000 500000 23977 23977 7409

LOAN 90% OF SV OF INFORCE POL. 33 584000 500000 23977 23977 7409

80% OF PAID UP POL. 34 605000 500000 23977 23977 7409

FORECLOSURE NO ACTION WILL BE TAKEN 35 626000 500000 23977 23977 7409

SSV AVAILABLE AFTER 3YRS 36 647000 500000 23977 23977 7409

GSV AVAILABLE AFTER 3YRS 37 668000 500000 23977 23977 7409

REVIVAL WITHIN 2 YRS 38 689000 500000 23977 23977 7409 DON'T LURED BY LOWER PREMIUM CHECK THE CO'S CLAIM RATIO WILL

SURVIVAL BENEFITS NOT APPLICABLE 39 710000 500000 23977 23977 7409 TELL WHICH COMPANY IS RELIABLE OUR PRODUCT OBSERVATION'S ARE>

AVAILABLE 40 731000 500000 23977 23977 7409 * PREMIUM REDUCTION FOR HIGHER AGE GROUP

MATURITY S.A. BSA+ SRB+FAB 41 752000 500000 23977 23977 7409 * SUM ASSURED ON DEATH CONCEPT CHANGE MATURITY S.A. BSA+ SRB+FAB 41 752000 500000 23977 23977 7409 * SUM ASSURED ON DEATH CONCEPT CHANGE

DEATH BENEFIT SA+SRB+FAB Or 10 TIMES OF 42 773000 500000 23977 23977 7409 * SURRENDER VALUE HAS BEEN INCREASED

YLY PRM. Or HIGHER OF BSA 43 794000 500000 23977 23977 7409 * LOAN AVAILABILITY WILL BE MORE

PROPOSAL FORMS 300 , 340 & 360 44 825000 500000 23977 23977 7409 * REDUCTION IN AGE OF ENTRY & EXIT

COOLING OFF AVAILABLE 45 848500 500000 23977 23977 7409 * REDUCTION IN POLICY TERM

AGENTS COMMISSION 1ST YR 12 TO 14 YRS=20%+BC, 46 872000 500000 23977 23977 7409 * LOWER AGE PREMIUM SLIGHT INCREASES

15YRS> =25%, 2 & 3 YR=7.5%, 47 895500 500000 23977 23977 7409 * JUSTIFICATION IN SUICIDE CLAUSE BENEFITS

FROM 4TH YR=ONWARDS 5% 48 924000 500000 23977 23977 7409 * REMOVAL OF FORECLOSURE ACTION IS A ADDED POINT

CEIS REBATE 10% 49 955000 500000 23977 23977 7409 * MORE TRANSPERNT & USER FRIENDLY PLAN

SERVICE TAX 1ST YR 3.09% & SUBSEOUENT 1.545% 50 0 500000 23977 23977 7409 * SUITABLE FOR EMPLOYER/EMPLOYEE SCHEME

INCOME TAX BENEFIT U/S PREMIUM 80C & MATURITY/DEATH CLAIM 10(10)D TOTAL>>>> RS.479540 RS.479540 RS.148180 * SUITABLE UNDER MARRIED WOMEN PROPERTY ACT POLICY

ILLUSTRATION FOR AGE 30 YRS FOR SUM PROPOSED FOR 5LAKS TERM 20 YRS TOTAL MATURITY> RS.955000/- YIELD ON INVESTMENT> 9.27% PLAN TODAY FOR BETTER TOMORROW

AGENTS TRAINING MATERIAL PREPARED BY.P.T.PATIL DO LIC HUBLI III

ONLY FOR PRIVATE CIRCULATION MOBILE:9448133179 E-MAIL:[email protected]

NEW JEEVAN ANAND PLAN 815

PLANS>>>>>>>>>>>>> 815 NEW AGE LIFE ACCIDENTAL TOTAL PRM WITHOUT ( ST ) 30.09%

SALIENT FEATURE JEEVAN ANAND RISK RISK WITH ( ST ) PREMIUM TAX BENEFIT

MIN.AGE 18 YRS LBD 30 647000 500000 29560 28674 8860

MAX,AGE 50 YRS ANB 31 669000 500000 29117 28674 8860


MIN.POLICY TERM 15 YRS 33 713000 500000 29117 28674 8860

MAX.POLICY TERM 35 YRS 34 735000 500000 29117 28674 8860

PRM.PAY.TERM EQUAL TO POLICY TERM 35 757000 500000 29117 28674 8860

MIN.S.A. 100000 36 779000 500000 29117 28674 8860

MAX.S.A. NO LIMIT 37 801000 500000 29117 28674 8860

MULTIPLE S.A. 5000 38 823000 500000 29117 28674 8860MULTIPLE S.A. 5000 38 823000 500000 29117 28674 8860

REBATE FOR S.A 39 845000 500000 29117 28674 8860

40 867000 500000 29117 28674 8860

1LAK TO 1.95> NIL/2 TO 4.95 41 889000 500000 29117 28674 8860

> 1.5%/ 5 TO 9.95> 2.5%/ 42 911000 500000 29117 28674 8860

10LAKS ABOVE 3% OF BSA 43 933000 500000 29117 28674 8860

MODE OF PAYMENT ALL MODES 44 965000 500000 29117 28674 8860

MODE REBATE YLY=2%,HLY=1%,QLY=NIL 45 989500 500000 29117 28674 8860

DAB/EPDB YES MAX. 50LAKS 46 1014000 500000 29117 28674 8860


PWB N/A 48 1068000 500000 29117 28674 8860

CIR NOT AVAILABLE 49 1100000 500000 29117 28674 8860

DATING BACK YES 50 500000 500000 29117 28674 8860


ASSIGNMENT YES TOTAL MATURITY> RS.975000/- YIELD ON INVESTMENT> 7.86%

SUICIDE WITHIN 1YR 80% REFUND OF PRM. COMPARE NEW WITH OLD PLANSUICIDE WITHIN 1YR 80% REFUND OF PRM. COMPARE NEW WITH OLD PLAN

RISK COMMENCES FROM DATE OF ACCEPTANCE OLD JEEVAN ANAND PLAN 149

AGE LIFE ACCIDENTAL TOTAL WITHOUT ( ST ) 30.09%

MIN.PRM RS.300/- RISK BENEFIT PREMIUM PREMIUM TAX BENEFIT



NMG/NMS ALLOWED 32 566000 1066000 27550 27550 8513

LOAN 90% OF SV OF INFORCE POL. 33 588000 1088000 27550 27550 8513

80% OF PAID UP POL. 34 610000 1110000 27550 27550 8513


SSV AVAILABLE AFTER 3YRS 36 654000 1154000 27550 27550 8513

GSV AVAILABLE AFTER 3YRS 37 676000 1176000 27550 27550 8513

REVIVAL WITHIN 2 YRS 38 698000 1198000 27550 27550 8513

SURVIVAL BENEFITS NOT APPLICABLE 39 720000 1220000 27550 27550 8513 DON'T LURED BY LOWER PREMIUM CHECK THE CO'S CLAIM RATIO WILL

AVAILABLE 40 742000 1242000 27550 27550 8513 TELL WHICH COMPANY IS RELIABLE OUR PRODUCT OBSERVATION'S ARE>

MATURITY S.A. BSA+ SRB+FAB 41 764000 1264000 27550 27550 8513 * HISTORICLE CHANGE ACCIDENT BENEFIT FOR FULL S.A.MATURITY S.A. BSA+ SRB+FAB 41 764000 1264000 27550 27550 8513 * HISTORICLE CHANGE ACCIDENT BENEFIT FOR FULL S.A.

DEATH BENEFIT SA ( 125% OF BSA)+ SRB+FAB 42 786000 1286000 27550 27550 8513 * SUM ASSURED ON DEATH CONCEPT CHANGE

OR 10 TIMES ANNULISED PRM. 43 808000 1308000 27550 27550 8513 * SURRENDER VALUE HAS BEEN INCREASED

PROPOSAL FORMS 300 44 840000 1340000 27550 27550 8513 * LOAN AVAILABILITY WILL BE MORE

COOLING OFF AVAILABLE 45 864500 1364500 27550 27550 8513 * REDUCTION IN MAXIMUM AGE OF ENTRY

AGENTS COMMISSION 1ST YR 12 TO 14 YRS=20%+BC, 46 889000 1389000 27550 27550 8513 * REDUCTION IN POLICY TERM

15YRS> =25%, 2 & 3 YR=7.5%, 47 913500 1413500 27550 27550 8513 * FOR ALL AGE THERE IS A SLIGHT INCREASE IN PREMIUM

FROM 4TH YR=ONWARDS 5% 48 943000 1443000 27550 27550 8513 * JUSTIFICATION IN SUICIDE CLAUSE BENEFITS

CEIS REBATE 10% 49 975000 1475000 27550 27550 8513 * REMOVAL OF FORECLOSURE ACTION IS A ADDED POINT

SERVICE TAX 1ST YR 3.09% & SUBSEOUENT 1.545% 50 500000 1000000 27550 27550 8513 * MORE TRANSPERNT & USER FRIENDLY PLAN

INCOME TAX BENEFIT U/S PREMIUM 80C & MATURITY/DEATH CLAIM 10(10)D TOTAL>>>> RS.551000 RS.551000 RS.170260 * EVEN SUITABLE FOR EMPLOYER/EMPLOYEE SCHEME & MWP

ILLUSTRATION FOR AGE 30 YRS FOR SUM PROPOSED FOR 5LAKS TERM 20 YRS TOTAL MATURITY> RS.975000/- YIELD ON INVESTMENT> 8.29% PLAN TODAY FOR BETTER TOMORROW


ONLY FOR PRIVATE CIRCULATION MOBILE:9448133179 E-MAIL:[email protected]

NEW BIMA BACHAT PLAN 816-15

PLANS>>>>>>>>>>>>> 816 NEW AGE LIFE ACCIDENTAL TOTAL RETURNS 30.09%

SALIENT FEATURE BIMA BACHAT RISK RISK PREMIUM FROM LIC TAX BENEFIT

MIN.AGE 15 YRS LBD 30 500000 0 379010 0 30900

MAX,AGE 66 YRS ANB 31 500000 0 0 0 0


MIN.POLICY TERM 9 YRS.12 YRS, 15 YRS 33 500000 0 0 75000 0

MAX.POLICY TERM 9 YRS.12 YRS, 15 YRS 34 500000 0 0 0 0

PRM.PAY.TERM NIL 35 525000 0 0 0 0

MIN.S.A. RS.35/50/70(in thousand)FOR 9/12/15 36 530000 0 0 75000 0

MAX.S.A. NO LIMIT 37 535000 0 0 0 0MAX.S.A. NO LIMIT 37 535000 0 0 0 0

MULTIPLE S.A. 5000 38 550000 0 0 0 0

REBATE FOR S.A FOR 9YRS>LESS THAN 75=NIL,75 TO 39 555000 0 0 75000 0

1.5=6%.ABOVE 1.5=8%/12YRS>LESS 40 560000 0 0 0 0

THAN 1LAK NIL, 1 TO 2 LAK=4%,FOR 41 575000 0 0 0 0

15YRS>LESS THAN 1.5LAK=NIL,1.5 TO 42 580000 0 0 75000 0

3=3%,3LAKS ABOVE=5% 43 585000 0 0 0 0

MODE OF PAYMENT SINGLE 44 605000 0 0 0 0

MODE REBATE NIL 45 0 0 0 472649 0

DAB/EPDB NOT AVAILABLE 0 0 0 0 0 0


PWB NOT AVAILABLE 0 0 0 0 0 0

CIR NOT AVAIALBLE 0 0 0 0 0 0

DATING BACK YES 0 0 0 0 0 0


ASSIGNMENT YES TOTAL MATURITY>RS.772649/- YIELD ON INVESTMENT> 7.24%ASSIGNMENT YES TOTAL MATURITY>RS.772649/- YIELD ON INVESTMENT> 7.24%

SUICIDE WITHIN 1YR 90% REFUND OF PRM. COMPARE NEW WITH OLD PLAN

RISK COMMENCES FROM DATE OF ACCEPTANCE OLD BIMA BACHAT PLAN 175-15

AGE LIFE ACCIDENTAL TOTAL RETURN 30.09%

MIN.PRM NO MIMIMUM PREMIUM RISK BENEFIT PREMIUM FROM LIC TAX BENEFIT



NMG/NMS ALLOWED 32 500000 0 0 0 30900

LOAN AFTER 1 YR 60% OF SV 33 500000 0 0 75000 30900

34 500000 0 0 0 30900


SSV ANY TIME WIYHOUT LOYALITY 36 500000 0 0 75000 30900

GSV 1ST YR= 70%, THERE AFTER 90% 37 500000 0 0 0 30900

REVIVAL NIL 38 500000 0 0 0 30900

SURVIVAL BENEFITS 9YR>15% ON 3/6YR, 12YR>15% ON 39 500000 0 0 75000 30900

AVAILABLE 3/6/9YR, 15YR>15%ON3/6/9/12 YR 40 500000 0 0 0 30900 DON'T LURED BY LOWER PREMIUM CHECK THE CO'S CLAIM RATIO WILL AVAILABLE 3/6/9YR, 15YR>15%ON3/6/9/12 YR 40 500000 0 0 0 30900 DON'T LURED BY LOWER PREMIUM CHECK THE CO'S CLAIM RATIO WILL

MATURITY S.A. SNG PRM.+ LA-TAX & EXTRA PRM 41 500000 0 0 0 30900 TELL WHICH COMPANY IS RELIABLE OUR PRODUCT OBSERVATION'S ARE>

DEATH BENEFIT 1ST5 YRS ONLY SUM ASSURED 42 500000 0 0 75000 30900 * MAX.ENTRY AGE DEPENDS ON TERM OF THE POLICY

AFTER 5 YRS >SA+ LA 43 500000 0 0 0 30900 * MINIMUM S.A. DEPENDS ON TERM OF THE POLICY

PROPOSAL FORMS 300 ,340 44 500000 0 0 0 30900 * REBATE ON HIGHER S.A. DEPENDS ON TERM OF THE POLICY

COOLING OFF AVAILABLE 45 0 0 0 472649 30900 * REDUCTION IN MAXIMUM AGE OF ENTRY

AGENTS COMMISSION 2% 46 0 0 0 0 30900 * CHANGE IN MATURITY BENEFITS (EXCLUDING TAXES )

47 0 0 0 0 30900 * THE DEATH BENEFIT SLAB INTRODUCED

CEIS REBATE 10% 48 0 0 0 0 30900 * JUSTIFICATION IN SUICIDE CLAUSE BENEFITS

SERVICE TAX 1ST YR 3.09% & SUBSEOUENT 1.545% 49 0 0 0 0 30900 * CHANGE IN LOAN AVAILABILITY FEATURE

INCOME TAX BENEFIT U/S PREMIUM 80 CCE 50 0 0 0 0 30900 * CHANGE IN GSV AND SV

MATURITY/DEATH CLAIM 10(10)D TOTAL>>>> RS.551000 RS.772649 RS.30900 * EVEN SUITABLE FOR EMPLOYER/EMPLOYEE SCHEME & MWP

ILLUSTRATION FOR AGE 30 YRS FOR SUM PROPOSED FOR 5LAKS TERM 20 YRS TOTAL MATURITY>RS.772649/- YIELD ON INVESTMENT> 8.29% PLAN TODAY FOR BETTER TOMORROW


'New dimension' by. p.t.patil

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Transcript of 'New dimension' by. p.t.patil