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

2. Intro
features
benefits
illustrations

3. Intro
features
benefits
illustrations

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

5. Intro
features
benefits
illustrations
(A) Minimum entry age : 18 yrs (completed)
(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.5,00,000.
(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 : EligibilityCritical Illness Rider : Eligibility

6. Intro
features
benefits
illustrations
Critical Illness Rider : BenefitsCritical 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-
Heart Attack (Myocardial Infarction)
Stroke (Cerebro-vascular Accident)
Cancer
Kidney Failure
Major Organ transplant
Paralysis
3rd 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.

7. Intro
features
benefits
illustrations
Age Term 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

8. When are benefits payable?
Intro
features
benefits
illustrations
Survival Benefit :
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 continuesRisk cover continues
after maturity,after maturity,
without need to paywithout need to pay
premiumpremium
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.

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

10. Intro
features
benefits
illustrations
Age at entry: 35 years Premium paying term: 25 years
Mode of premium payment: Yearly Sum Assured: Rs.1,00,000/-
Annual Premium: Rs.4,535 /-
End of
Year
Total premium
paid till end of
year
Benefit payable on death during the selected term
Guarante
ed *
Variable Total
Scena
rio 1
Scenario
2
Scenari
o 1
Scenario 2
1 4,535 1,00,000 1500 5100 101500 105100
2 9,070 1,00,000 3000 10200 103000 110200
3 13,605 1,00,000 4500 15300 104500 115300
4 18,140 1,00,000 6000 20400 106000 120400
5 22,675 1,00,000 7500 25500 107500 125500
6 27,210 1,00,000 9000 30600 109000 130600
7 31,745 1,00,000 10500 35700 110500 135700
8 36,280 1,00,000 12000 40800 112000 140800
9 40,815 1,00,000 13500 45900 113500 145900
10 45,350 1,00,000 15000 51000 115000 151000
15 68,025 1,00,000 22500 76500 122500 176500
20 90,700 1,00,000 33000 113000 133000 213000
25 1,13,375 1,00,000 41500 141000 141500 241000
Illustrations

11. Intro
features
benefits
illustrations
The illustration is applicable to a non-smoker male/female standard
(from medical, life style and occupation point of view) life.
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.
Illustrations:
Assumptions and Disclaimer