Popularity Meter 17 77 352 policies sold in

Popularity Meter 17, 77, 352 policies sold in 2003 -04 in the very 2 nd year after introduction

Intro features benefits illustrations

Intro features benefits illustrations

Who can avail of this plan? Intro features benefits illustrations Male lives and female lives having their own income aged between 18 years (completed) and 65 years (near birthday) For how many years is premium payable ? You can choose premium payment terms between 5 and 57 years For what sums is insurance available under this plan ? At what frequency can premium be paid? Minimum Rs. 1 lakh. Maximum : no limit, but depends upon income Yearly, Half-Yearly, Quarterly, SSS

Critical Illness Rider : Eligibility (A) Minimum entry age : 18 yrs (completed) Intro features benefits illustrations (B) Maximum entry age : 50 yrs (nearer birthday) (C) Maximum maturity age : 60 years (D) Minimum Sum Assured for the Critical illness Rider : Rs. 50, 000/= (E) Minimum Sum Assured of the Main plan on which the Critical illness Rider can be given: Rs. 50, 000 (F) Maximum Sum Assured : An amount equal to the Basic Sum for the Critical Illness Rider Assured, subject to a maximum of Rs. 5, 000. (G) Term : 10 to 35 years under regular premium 5 to 35 years under Single premium and 15, 20 & 25 years under limited premium paying term policies. This rider is allowed only if the maturity age under main policy is not greater than 60 years. The policy term and premium paying term of the rider should match with the policy term and premium paying term under the main policy.

Critical Illness Rider : Benefits Critical Illness Sum Assured is payable on life assured surviving for a period of 28 days from date of occurrence of any of the following critical illnesses. Intro features benefits illustrations Heart Attack (Myocardial Infarction) Stroke (Cerebro-vascular Accident) Cancer Kidney Failure Major Organ transplant Paralysis 3 rd Degree Burns Blindness Coronary Artery By-pass Surgery Heart Valve Replacement or Repair Aorta Graft Surgery Premium Waiver Benefit: A policyholder has option to avail of a premium waiver benefit whereby premiums falling due on or after the date of diagnosis of critical illness are waived till maturity date of the main plan or earlier death of the life assured.

Age Term Intro features Sum Assured Rs. 1 lakh 2 lakhs 5 lakhs 10 lakhs 20 10 11543 23, 086 56965 112930 25 10 11766 23, 532 58080 115161 30 20 5660 11, 320 27550 54274 35 20 5873 11, 747 28617 56408 40 30 3880 7, 760 18650 36550 benefits illustrations

When are benefits payable? Survival Benefit : Intro features benefits illustrations When the policyholder survives till date of maturity and policy is in force, Full sum assured + vested bonuses + final additional bonus, if any, is payable. Risk cover continues after maturity, without need to pay premium Risk Cover : On death during premium payment period, Full sum assured + vested bonuses + final additional bonus, if any, is payable. On death after premium paying period, Full sum assured is payable.

Illustrations Age at entry: 35 years Mode of premium payment: Yearly Annual Premium: Rs. 4, 535 /- Benefit payable on survival to the end of selected term Intro End of Year features benefits illustrations Premium paying term: 25 years Sum Assured: Rs. 1, 000/- Total premium paid till end of year Variable Guaranteed 25 1, 13, 375 1, 000 26 onwa rds 1, 13, 375 1, 000 ** Total Scenario 1 Scenario 2 41500 141000 141500 241000 - 1, 00, 000 ** -

Illustrations Age at entry: 35 years Mode of premium payment: Yearly Annual Premium: Rs. 4, 535 /- Intro features benefits illustrations Premium paying term: 25 years Sum Assured: Rs. 1, 000/- Benefit payable on death during the selected term End of Year Total premium paid till end of year Guarantee d* 1 4, 535 2 Variable Total Scenar io 1 Scenario 2 Scenari o 1 Scenario 2 1, 000 1500 5100 101500 105100 9, 070 1, 000 3000 10200 103000 110200 3 13, 605 1, 000 4500 15300 104500 115300 4 18, 140 1, 000 6000 20400 106000 120400 5 22, 675 1, 000 7500 25500 107500 125500 6 27, 210 1, 000 9000 30600 109000 130600 7 31, 745 1, 000 10500 35700 110500 135700 8 36, 280 1, 000 12000 40800 112000 140800 9 40, 815 1, 000 13500 45900 113500 145900 10 45, 350 1, 000 15000 51000 115000 151000 15 68, 025 1, 000 22500 76500 122500 176500 20 90, 700 1, 000 33000 113000 133000 213000 25 1, 13, 375 1, 000 41500 141000 141500 241000

Illustrations: Assumptions and Disclaimer The illustration is applicable to a non-smoker male/female standard (from medical, life style and occupation point of view) life. Intro features benefits illustrations The non-guaranteed benefits in the illustrations 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. In other words, in preparing this benefit illustration, 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 not guaranteed. However, once bonus is declared in any year and added to the policy, the bonus so added is guaranteed.