· A single premium non-linked plan.

· 10 years term,which provides for

payment of Guaranteed Maturity Sum

Assured along with Loyalty Addition.

· Life cover of 5 times of single premium

paid.

· Surrender value 70% of premium paid

· Loan Value 90% of surrender value

· On maturity, Guaranteed Maturity Sum

Assured along with Loyalty Addition, if

any, shall be payable.

· Premium paid are TAX EXEMPTED u/s

80c.

This presentation specially prepared for

Mr/Mrs. Anant

Age :30

Projected cash flow summary :

Sum assured : 150000 Rs

Term of Policy : 10

Premium Amount : 30000 RS

You will be paying a single premium of Rs 30000

Plan Parameters:

Age - min 8 years & max 50 years

Term - 10

Premium - Min Rs 30,000 & Max No Limit

SA - 5 times of single premium

Modes allowed - Single

Liquidity:

Single Premium - Loan and surrender value

available from 2nd policy year

Life Risk Cover:

In this policy your life risk cover will be Basic

Sum Assured i.e. 5 times of single premium

excluding extra premium, if any, shall be

payable.

Tax Benefits:

For single premium payment you will save Rs

9000 u/s 80c.

Yield:

The net returns works out to 8.57% (with tax) &

12.44% (Without Tax)

Year Guaranteed

MSA

Loyalty

Addition

Total

Maturity

06/03/2022 58976 10317 69294

Cash flow Benefits:

INFOCARE WEB TECHNOLOGIES

TECHNOLOGY FOR LIFE

5,Minerva Bldg.,Madhavdas Pasta Road,Dadar(E). Mumbai-400 014.

MOB:- 022 32256665

INFOCARE WEB TECHNOLOGIESTECHNOLOGY FOR LIFE

5,Minerva Bldg.,Madhavdas Pasta Road,Dadar(E). Mumbai-400 014.

MOB:- 022 32256665

Name: Mr Anant Age: 30 Date: 06/03/2012

Why go for LIC Jeevan Vriddhi?

The financial year 2011-2012 is coming to an end and all those who have not yet planned their

investments for saving tax are gearing up for the same. Keeping this is mind a new plan has been

launched by LIC named Jeevan Vriddhi which offers a combination of insurance, tax savings and good

returns. Let's understand the product in comparision with few other popular tax saving options which

comes under Sec 80c of the income tax act.

LIC Jeevan Vriddhi Tax Saving fixed

Deposite

Equity Linked Saving

Scheme

(ELSS)

Loan facility

Risk Cover

Liquidity

Tax on Returns

Risk on inversment

Type of Returns

Term

Yes No No

Yes No No

Yes(Loan available after

1st year)

No(Lock-in period of

5 years)

No(lock-in period of

3 years)

Tax-free Tax-freeTaxable

Nil Nil High

Guaranteed Guaranteed Non-guaranteed

10 years 5 years 3 years

Let's try to compare LIC Jeevan Vriddhi and Tax Saving fixed deposti with a returns perspective.

Few public sector banks are currently offering 9.50% interest 5 year tax saving fixed deposits.

LIC Jeevan Vriddhi Tax Saving fixed Deposite

Returns

Amount invested Rs. 30,000.00 /-

Rs. 69,294.00 /-

Rs. 30,000.00/-

Rs.6,450.18 /- after 10

years

Note: Interest earned from maturity of tax saving deposite is taxable.

2

INFOCARE WEB TECHNOLOGIESTECHNOLOGY FOR LIFE

5,Minerva Bldg.,Madhavdas Pasta Road,Dadar(E). Mumbai-400 014.

MOB:- 022 32256665

Name: Mr Anant Age: 30 Date: 06/03/2012

Projected Cash Flow

Tax Slab: 30%

Normal

Risk Cover

Accidental

Risk Cover

Year Age Annual

Premium

Tax

Saved

Net

Premium

Returns

From LIC

SV Loan

Value

30 150000 150000 30462 9000 21462 02012 0 0

31 150000 150000 0 0 0 189002013 0 21000

32 150000 150000 0 0 0 189002014 0 21000

33 150000 150000 0 0 0 189002015 0 21000

34 150000 150000 0 0 0 189002016 0 21000

35 150000 150000 0 0 0 189002017 0 21000

36 150000 150000 0 0 0 189002018 0 21000

37 150000 150000 0 0 0 189002019 0 21000

38 150000 150000 0 0 0 189002020 0 21000

39 150000 150000 0 0 0 189002021 0 21000

40 150000 150000 0 0 0 189002022 69294 21000

Total : 6929421462900030462

Note: (1) The above Statements are based on certain assumptions, which are liable to change according to Government / Corporation's Policies.

Note:- (1)The annual premium shown above is inclusive of Service Tax.

3