Family Protection

This Presentation is Specially Prepared For: Govind Sahu

Presented by:
Kala Kant Sinha
Insurance Advisor
Lic Of India,
Adityapur Branch,
Jamshedpur -831012
+91 9470129735
kalakantsinha24@gmail.com
 This Presentation is Specially
Kala Kant Sinha
Insurance Advisor Prepared For:

Lic Of India, Name: Govind Sahu

Adityapur Branch,
Jamshedpur -831012 Age: 25
+91 9470129735
kalakantsinha24@gmail.com

Year Age Risk Cover Annualized Tax Net Surrender Loan LIC Net
Premium Saved Premium Amount Amount Return Amount
Normal Accidental Received

2024 25 12,86,400 23,86,400 64,346 0 64,346 0 0 0 -64,346

2025 26 13,47,800 24,47,800 62,960 0 62,960 20,137 18,123 0 -62,960

2026 27 14,09,200 25,09,200 62,960 0 62,960 57,271 51,544 0 -62,960

2027 28 14,70,600 25,70,600 62,960 0 62,960 83,790 75,411 0 -62,960

2028 29 15,32,000 26,32,000 62,960 0 62,960 1,10,705 99,635 0 -62,960

2029 30 15,93,400 26,93,400 62,960 0 62,960 1,43,065 1,28,759 0 -62,960

2030 31 16,54,800 27,54,800 62,960 0 62,960 1,79,742 1,61,768 0 -62,960

2031 32 17,16,200 28,16,200 62,960 0 62,960 2,21,288 1,99,159 0 -62,960

2032 33 17,77,600 28,77,600 62,960 0 62,960 2,68,217 2,41,395 0 -62,960

2033 34 18,39,000 29,39,000 62,960 0 62,960 3,21,070 2,88,963 0 -62,960

2034 35 19,00,400 30,00,400 62,960 0 62,960 3,74,695 3,37,226 0 -62,960

2035 36 19,61,800 30,61,800 62,960 0 62,960 4,35,024 3,91,522 0 -62,960

2036 37 20,23,200 31,23,200 62,960 0 62,960 5,03,287 4,52,958 0 -62,960

2037 38 20,84,600 31,84,600 62,960 0 62,960 5,80,976 5,22,878 0 -62,960

2038 39 21,68,000 32,68,000 62,960 0 62,960 6,81,773 6,13,596 0 -62,960

2039 40 22,34,900 33,34,900 62,960 0 62,960 7,92,462 7,13,216 0 -62,960

2040 41 23,01,800 34,01,800 62,960 0 62,960 8,85,798 7,97,218 0 -62,960

2041 42 23,68,700 34,68,700 62,960 0 62,960 9,72,594 8,75,335 0 -62,960

2042 43 24,46,600 35,46,600 62,960 0 62,960 11,03,080 9,92,772 0 -62,960

2043 44 25,30,000 36,30,000 62,960 0 62,960 12,73,200 11,45,880 0 -62,960

2044 45 26,05,200 37,05,200 28,643 0 28,643 13,02,480 2,52,000 48,000 19,357

2045 46 19,96,400 30,96,400 0 0 0 14,42,260 2,52,000 10,81,000 10,81,000

2046 47 20,75,600 26,75,600 0 0 0 15,18,940 2,52,000 48,000 48,000

2047 48 21,54,800 27,54,800 0 0 0 15,95,820 2,52,000 48,000 48,000

2048 49 22,34,000 28,34,000 0 0 0 16,72,850 2,52,000 48,000 48,000

2049 50 23,13,200 29,13,200 0 0 0 17,50,080 2,52,000 48,000 48,000

2050 51 24,04,400 30,04,400 0 0 0 18,38,310 2,52,000 48,000 48,000

2051 52 24,95,600 30,95,600 0 0 0 19,26,740 2,52,000 48,000 48,000

2052 53 25,86,800 31,86,800 0 0 0 20,14,320 2,52,000 48,000 48,000

2053 54 27,20,000 33,20,000 0 0 0 21,41,850 2,52,000 48,000 48,000

To Be Continued...

Disclaimer : The figures presented in this entire illustration are indicative and solely for the purpose of understanding the possible benefits from the
proposed insurance. The actual results may depend on the future performance of the insurer / corporation.
 This Presentation is Specially
Kala Kant Sinha
Insurance Advisor Prepared For:

Lic Of India, Name: Govind Sahu

Adityapur Branch,
Jamshedpur -831012 Age: 25
+91 9470129735
kalakantsinha24@gmail.com

Year Age Risk Cover Annualized Tax Net Surrender Loan LIC Net
Premium Saved Premium Amount Amount Return Amount
Normal Accidental Received

2054 55 28,59,200 34,59,200 0 0 0 22,73,980 2,52,000 48,000 48,000

2055 56 30,28,400 36,28,400 0 0 0 24,33,210 2,52,000 48,000 48,000

2056 57 31,97,600 37,97,600 0 0 0 25,92,590 2,52,000 48,000 48,000

2057 58 33,66,800 39,66,800 0 0 0 27,52,120 2,52,000 48,000 48,000

2058 59 35,36,000 41,36,000 0 0 0 29,11,750 2,52,000 48,000 48,000

2059 60 37,05,200 43,05,200 0 0 0 30,71,480 2,52,000 48,000 48,000

2060 61 38,74,400 44,74,400 0 0 0 32,31,360 2,52,000 48,000 48,000

2061 62 40,43,600 46,43,600 0 0 0 33,91,240 2,52,000 48,000 48,000

2062 63 42,12,800 48,12,800 0 0 0 35,51,220 2,52,000 48,000 48,000

2063 64 43,82,000 49,82,000 0 0 0 37,11,250 2,52,000 48,000 48,000

2064 65 44,01,200 50,01,200 0 0 0 37,36,330 2,52,000 48,000 48,000

2065 66 44,20,400 50,20,400 0 0 0 37,61,460 2,52,000 48,000 48,000

2066 67 44,39,600 50,39,600 0 0 0 37,86,540 2,52,000 48,000 48,000

2067 68 44,58,800 50,58,800 0 0 0 38,11,620 2,52,000 48,000 48,000

2068 69 44,78,000 50,78,000 0 0 0 38,36,700 2,52,000 48,000 48,000

2069 70 44,97,200 50,97,200 0 0 0 38,61,730 2,52,000 48,000 48,000

2070 71 45,16,400 45,16,400 0 0 0 38,86,710 2,52,000 48,000 48,000

2071 72 45,35,600 45,35,600 0 0 0 39,11,640 2,52,000 48,000 48,000

2072 73 45,54,800 45,54,800 0 0 0 39,36,470 2,52,000 48,000 48,000

2073 74 45,74,000 45,74,000 0 0 0 39,61,200 2,52,000 48,000 48,000

2074 75 45,93,200 45,93,200 0 0 0 39,85,780 2,52,000 48,000 48,000

2075 76 46,12,400 46,12,400 0 0 0 40,10,260 2,52,000 48,000 48,000

2076 77 46,31,600 46,31,600 0 0 0 40,34,640 2,52,000 48,000 48,000

2077 78 46,50,800 46,50,800 0 0 0 40,58,820 2,52,000 48,000 48,000

2078 79 46,70,000 46,70,000 0 0 0 40,82,900 2,52,000 48,000 48,000

2079 80 46,89,200 46,89,200 0 0 0 41,06,780 2,52,000 48,000 48,000

2080 81 47,08,400 47,08,400 0 0 0 41,30,460 2,52,000 48,000 48,000

2081 82 47,27,600 47,27,600 0 0 0 41,53,990 2,52,000 48,000 48,000

2082 83 47,46,800 47,46,800 0 0 0 41,77,320 2,52,000 48,000 48,000

2083 84 47,66,000 47,66,000 0 0 0 42,00,450 2,52,000 48,000 48,000

To Be Continued...

Disclaimer : The figures presented in this entire illustration are indicative and solely for the purpose of understanding the possible benefits from the
proposed insurance. The actual results may depend on the future performance of the insurer / corporation.
 This Presentation is Specially
Kala Kant Sinha
Insurance Advisor Prepared For:

Lic Of India, Name: Govind Sahu

Adityapur Branch,
Jamshedpur -831012 Age: 25
+91 9470129735
kalakantsinha24@gmail.com

Year Age Risk Cover Annualized Tax Net Surrender Loan LIC Net
Premium Saved Premium Amount Amount Return Amount
Normal Accidental Received

2084 85 47,85,200 47,85,200 0 0 0 42,23,430 2,52,000 48,000 48,000

2085 86 48,04,400 48,04,400 0 0 0 42,46,160 2,52,000 48,000 48,000

2086 87 48,23,600 48,23,600 0 0 0 42,68,740 2,52,000 48,000 48,000

2087 88 48,42,800 48,42,800 0 0 0 42,91,120 2,52,000 48,000 48,000

2088 89 48,62,000 48,62,000 0 0 0 43,13,500 2,52,000 48,000 48,000

2089 90 48,81,200 48,81,200 0 0 0 43,35,680 2,52,000 48,000 48,000

2090 91 49,00,400 49,00,400 0 0 0 43,57,960 2,52,000 48,000 48,000

2091 92 49,19,600 49,19,600 0 0 0 43,80,190 2,52,000 48,000 48,000

2092 93 49,38,800 49,38,800 0 0 0 44,02,570 2,52,000 48,000 48,000

2093 94 49,58,000 49,58,000 0 0 0 44,26,350 2,52,000 48,000 48,000

2094 95 49,77,200 49,77,200 0 0 0 44,49,330 2,52,000 48,000 48,000

2095 96 49,96,400 49,96,400 0 0 0 44,77,410 2,52,000 48,000 48,000

2096 97 50,15,600 50,15,600 0 0 0 45,05,240 2,52,000 48,000 48,000

2097 98 50,34,800 50,34,800 0 0 0 45,46,820 2,52,000 48,000 48,000

2098 99 50,54,000 50,54,000 0 0 0 40,98,600 2,52,000 48,000 48,000

2099 100 5,00,000 5,00,000 0 0 0 0 0 50,54,000 50,54,000

Total 12,89,229 0 12,89,229 87,27,000 74,37,771

Disclaimer : The figures presented in this entire illustration are indicative and solely for the purpose of understanding the possible benefits from the
proposed insurance. The actual results may depend on the future performance of the insurer / corporation.
 This Presentation is Specially
Kala Kant Sinha
Insurance Advisor Prepared For:

Lic Of India, Name: Govind Sahu

Adityapur Branch,
Jamshedpur -831012 Age: 25
+91 9470129735
kalakantsinha24@gmail.com

Modewise Summary of Installment Premiums

ID DOC Plan Term PPT Basic Accidental Settlement Premium
Sum Sum Option
Assured Assured Yealy Half-Yly Quarterly ECS/SSS Single ** Daily

1 13/11/2024 715 21 21 500000 0 0 Years 29274 14790 7472 2491 0 80

2 13/11/2024 745 75 20 600000 0 0 Years 35072 17718 8950 2983 0 96

Total 1100000 0 No 64346 32508 16422 5474 0 176

'*' : Assuming LIC will declare the above mentioned bonus rates for the year ended 31/03/2018.
'**' : Daily premium is for indicative purpose only. Formula used - (Yearly Premium/365).
'***' : Premiums indicated are inclusive of GST.

Internal Rate of Return(IRR) :-

Normal : 5.09
Income Tax Rebate : 5.09

Disclaimer : The figures presented in this entire illustration are indicative and solely for the purpose of understanding the possible benefits from the
proposed insurance. The actual results may depend on the future performance of the insurer / corporation.