Jeevan Bharati

Today’s womanDeserves Something

Special

1

“Only you can give life, that’s why we protect

yours”

LIC’s tribute to the Indian womanThat understands her needs and and covers her adequately

Jeevan Bharati

(PLAN 160)Today’s woman

DeservesSomething

Special

An Exclusive plan for theAn Exclusive plan for the woman of todaywoman of today The woman of today The woman of today excelsexcels in every spherein every sphere She is an anchor at She is an anchor at home home andand an achiever at the work an achiever at the work place.place. She is an equal partner She is an equal partner in herin her family’s progress family’s progress

Jeevan Bharati

(PLAN 160)Today’s woman

DeservesSomething

Special

To cater to her special To cater to her special needs, an needs, an insurance plan should insurance plan should provide:provide: - Security- Security - Flexibility- Flexibility - Liquidity- Liquidity - Periodic Returns- Periodic Returns - Option to convert - Option to convert MaturityMaturity Amount to PensionAmount to Pension

Jeevan Bharati

(PLAN 160)Today’s woman

DeservesSomething

Special

LIC presents Jeevan Bharati:LIC presents Jeevan Bharati:

A plan that is: DistinctiveDistinctive AffordableAffordable ProfitableProfitable

A with-profit plan that provides financial security, periodic Money Back, Flexibility and Special Cover for Female Critical Illnesses (FCI) and Congenital Disability Benefits (CDB).

Jeevan Bharati

(PLAN 160)Today’s woman

DeservesSomething

Special

Who is best suited to avail this plan ? Women in the age group of 18-50 years.For what sums is insurance available?Rs. 50,000 to Rs. 25 lakhs (in multiples of Rs.5000)For how many years is premium payable ?Two options available : 15 years or 20 years For how many years is risk cover provided?Two options available : 15 years or 20 years Premium Payment Mode ?Yearly.

Jeevan Bharati

(PLAN 160)Today’s woman

DeservesSomething

Special

Free Insurance Cover :If two years’ premiums are paid then FULL INSURANCE COVER is available even when premiums remain unpaid for the next three years.

Encashment of Survival Benefits as and when needed : Survival Benefits payable after every 5 years can be encashed at a later date earning interest on the amount.

Flexibility in premium payment:Option available to pay next yearly premium in advance (in maximum 3 instalments). A premium rebate of 4% p.a. for complete number of months on portions of premium paid will be given.

Flexibility in receiving benefits :Option is available to receive maturity benefits as an annuity instead of lump sum.

Jeevan Bharati

(PLAN 160)Today’s woman

DeservesSomething

Special

Age Term Sum Assured Rs. 1 lakhs 2 lakhs 3 lakhs 5 lakhs

20 15 9,185 18,170 26,655 44,525

25 15 9,240 18,280 26,780 44,680

30 15 9,325 18,450 26,980 44,940

35 20 7,735 15,270 27,340 36,720

40 20 7,680 15,160 22,195 37,165

Jeevan Bharati

(PLAN 160)Today’s woman

DeservesSomething

Special

Payable after % of Sum Assured payable

5 years Rs. 40,000 (i.e. 20% of S.A.)

10 years Rs. 40,000 (i.e. 20% of S.A.)

15 years Rs. 1.20 lakh (i.e. 60% of S.A.) plus+ Rs. 50,000 (Guaranteed Addition for first 5 years)+ Reversionary Bonus for 10 years (6th-15th year)

Payable after % of Sum Assured payable

5 years Rs. 40,000 (i.e. 20% of S.A.)

10 years Rs. 40,000 (i.e. 20% of S.A.)

15 years Rs. 40,000 (i.e. 20% of S.A.)

20 years Rs. 80,000 (i.e. 40% of S.A.) plus+ Rs. 50,000 (Guaranteed Addition for first 5 years)+ Reversionary Bonus for 15 years (6th-20th year)

Jeevan Bharati

(PLAN 160)Today’s woman

DeservesSomething

Special

Amount payable on unfortunate death during the term of the policy On death during the first 5 policy years - An amount equal to basic sum assured plus vested Guaranteed Additions @ Rs. 50 per thousand sum- assured. On death after first 5 policy years – An amount equal to the Basic Sum Assured, plus vested Guaranteed Additions @ Rs. 50 per thousand sum-assured plus reversionary bonuses, as declared from the 6th year onwards. Survival benefits already paid shall not be deducted from the claim payment, in even of death.

Jeevan Bharati

(PLAN 160)Today’s woman

DeservesSomething

Special

• Female Critical Illness (FCI) benefitAn amount equal to the Sum Assured (subject to a maximum of Rs 2 lakhs will be payable on the occurrence of any one of the following Critical Illnesses-

• Breast Cancer• Ovarian / Fallopian Tube cancer• Cervical cancer• Uterine cancer• Vaginal / Vulval cancer

Jeevan Bharati

(PLAN 160)Today’s woman

DeservesSomething

Special

Congenital Disabilities Benefit (CDB) An amount equal to 50% of the Sum Assured (subject to a maximum of Rs 100000) will be payable on the birth of the child with any of seven predefined Congenital Disabilities.

This benefit will be available for two children. The cover will be provided where age at entry of life assured is 35 years or below, and will be available till the life assured attains 40 years of age.

Diseases covered for new born babies are Downs Syndrome, Spina Bifida, Tetralogy of fallot, Oesophageal Atresia & Tracheo-oesophagaeal Fistula, Anal Atresia, Imperforate anus, Cleft Palate with or without Cleft Lip

Jeevan Bharati

(PLAN 160)Today’s woman

DeservesSomething

Special

Age at entry: 25 years Policy Term: 20 yearsSum Assured: Rs.1 Lakh. Annual Premium: Rs.7,345/- up to age 41 years next birthday and Rs.7,085/- thereafter.

Year

Total premiums paid till end of year

Benefits payable on survival to the end of year

Guaranteed

Variable Total

Scenario 1

Scenario 2

Scenario 1

Scenario 2

1 7,345 0 0 0 0 02 14,690 0 0 0 0 03 22,035 0 0 0 0 04 29,380 0 0 0 0 05 36,725 20,000 0 0 20,000 20,0006 44,070 0 0 0 0 07 51,415 0 0 0 0 08 58,760 0 0 0 0 09 66,105 0 0 0 0 0

10 73,450 20,000 0 0 20,000 20,000

15 1,10,175 20,000 0 0 20,000 20,000

20 1,45,860 65,000 53,500

1,31,500 1,18,500 1,96,500

Jeevan Bharati

(PLAN 160)Today’s woman

DeservesSomething

Special

Age at entry: 25 years Policy Term: 20 yearsSum Assured: Rs.1 Lakh. Annual Premium: Rs.7,345/- up to age 41 years next birthday and Rs.7,085/- thereafter.

Year

Total premiums paid till

end of year

Death Benefit during the yearGuarant

eedVariable Total

Scenario 1

Scenario 2 Scenario 1 Scenario 2

1 7,345 1,00,000 0 0 1,00,000 1,00,000

2 14,690 1,05,000 0 0 1,05,000 1,05,000

3 22,035 1,10,000 0 0 1,10,000 1,10,000

4 29,380 1,15,000 0 0 1,15,000 1,15,000

5 36,725 1,20,000 0 0 1,20,000 1,20,000

6 44,070 1,25,000 2,500 6,100 1,27,500 1,31,100

7 51,415 1,25,000 5,000 12,200 1,30,000 1,37,200

8 58,760 1,25,000 7,500 18,300 1,32,500 1,43,300

9 66,105 1,25,000

10,000 24,400 1,35,000 1,49,400

10 73,450 1,25,000

12,500 30,500 1,37,500 1,55,500

15 1,10,175 1,25,000

25,000 61,000 1,50,000 1,86,000

20 1,45,860 1,25,000

53,500

1,31,500 1,78,500 2,56,500

Jeevan Bharati

(PLAN 160)Today’s woman

DeservesSomething

Special

• The illustration are applicable to a non-smoker male/female standard (from medical, life style and occupation point of view) life.

• The non-guaranteed benefits (1) and (2) in above illustration are calculated so that they are consistent with the Projected Investment Rate of Return assumption of 6% p.a.(Scenario 1) and 10% p.a. (Scenario 2) respectively. It is assumed that the Projected Investment Rate of Return that LICI will be able to earn throughout the term of the policy will be 6% p.a. or 10% p.a., as the case may be. The Projected Investment Rate of Return is not guaranteed.

• The main objective of the illustration is that the client is able to appreciate the features of the product and the flow of benefits in different circumstances with some level of quantification.

• Future bonus will depend on future profits and as such is Guaranteed. However, once bonus is declared in any year and added to the policy, the bonus so added is guaranteed.

Jeevan Bharati

(PLAN 160)Today’s woman

DeservesSomething

Special

Are CDB and FCI benefits optional?

No, these benefits are not optional. In case, I am unable to continue my policy, can I surrender my policy? How much SV is payable?

The policy may be surrendered if it is in force

for 3 years or more. GSV is 30% of the basic premiums

paid excluding the first year’s premium, any extra

premiums and premiums towards Accident Benefit, FCI

and CDB.   In practice, LICI pays SSV- equal to or more

than GSV. This value will depend on the duration for

which premiums have been paid and the policy

duration at the date of surrender. In some circumstances, in

case of early termination of the policy, the surrender value

payable may be less than the total premium paid.

Jeevan Bharati

(PLAN 160)Today’s woman

DeservesSomething

Special