MONEY BACK PLANS


MONEY  BACK  PLANS

THE MONEY BACK-20 YEARS-75
Min.Age  =13
Max.Age =50
Term =20 yrs
Min.Sum Assured  = 50000
Max.Sum Assured = Any Amount
Premium Paying Mode : Single/Year/H.year/Qtr

SUITABILITY:
Businessmen & Professional As Money Available At regular intervals.
PRODUCT:
20% of Sum Assured Is Paid Once in Every 5 Years.
SURVIVAL BENEFIT:
End Of 5th ,10th & 15th  Year Policyholder Get = 20% Of Sum Assured
MATURITY BENEFIT:
On Maturity Will Get = 40% Sum Assured + Bonus
DEATH BENEFIT:
Nominee Will Get = Sum Assured + Bonus
EXAMPLE:

AGE=30
TERM=20year
SUM ASSURED= 1 LAC
 Premium Paying Term = 20 Years Only
Premium                       =  Rs 6480 / Year       
SURVIVAL BENEFIT:
End Of 5th ,10th & 15th  Year Policyholder Get = Rs 20000
MATURITY BENEFIT:
On Maturity Will Get = Rs 130000
Reinvestnent:
If  The Survival Benefit Reinvested @ 9% Interest For Remaining Term
End of Year
Survival Benefit
If Reinvested@9%
5th    Year
20000
  73000
10th  Year
20000
  47000
15th  Year
20000
  31000
20th  Year
40000+90000
130000
Total

 281000
DEATH BENEFIT:
If Death Rises 11th  Year

 Nominee Will Get = Rs 140000
(also already survival benefit paid to policyholder,end of 5th&10th Year each Rs 20000)

NEW MONEY BACK-25 YEARS-93
Min.Age  =13
Max.Age =45
Term= 25 Years
Min.Sum Assured  = 50000
Max.Sum Assured = Any Amount
Premium Paying Mode : Single/Year/H.year/Qtr

SUITABILITY:
Businessmen & Professional As Money Available At regular intervals.
PRODUCT:
15% of Sum Assured Is Paid Once in Every 5 Years.
SURVIVAL BENEFIT:
End Of 5th ,10th ,15th & 20th   Year Policyholder Get = 15% Of Sum Assured
MATURITY BENEFIT:
On Maturity Will Get = 40% Sum Assured + Bonus
DEATH BENEFIT:
Nominee Will Get = Sum Assured + Bonus
EXAMPLE:

AGE=30
TERM=25year
SUM ASSURED= 1 LAC
Premium Paying Term = 25 Years Only
Premium                       =  Rs 5374 / Year       
SURVIVAL BENEFIT:
End Of 5th ,10th & 15th  Year Policyholder Get = Rs 15000
MATURITY BENEFIT:
On Maturity Will Get = Rs 160000
Reinvestnent:
If  The Survival Benefit Reinvested @ 9% Interest For Remaining Term
End of Year
Survival Benefit
If Reinvested@9%
5th    Year
15000
  84000
10th  Year
15000
  55000
15th  Year
15000
  36000
20th  Year
15000
  23000
25th  Year
40000+120000
160000
Total

358000
DEATH BENEFIT:
If Death Rises 12th  Year

 Nominee Will Get = Rs 150000
(also already survival benefit paid to policyholder,end of 5th&10th Year each Rs 15000)

JEEVAN SURABHI-15 YEARS-106
Min.Age  =14
Max.Age =55
Term = 15 Years
Min.Sum Assured  = 50000
Max.Sum Assured = Any Amount
Premium Paying Mode : Single/Year/H.year/Qtr

SUITABILITY:
Businessmen & Professional As Money Available Periodically
PRODUCT:
To Pay Premium For 12 Years Only.
The Risk Cover increases By 50% Of Sum Assured Once in Every 5 Years
SURVIVAL BENEFIT:
End Of 4th & 8th   Year Policyholder Get = 30% Of Sum Assured
End Of 12th Year  Policyholder Get         = 40% Of Sum Assured
MATURITY BENEFIT:
On Maturity Will Get = Bonus
DEATH BENEFIT:
1.If Death Rises During 5th Year
   Nominee Will Get = Sum Assured + Accured Bonus
2.If Death Rises During 10th Year
   Nominee Will Get = 150% Of Sum Assured + Accured Bonus
3.If Death Rises During 13th Year
   Nominee Will Get = 200% Of Sum Assured + Accured Bonus
EXAMPLE:

AGE=30
TERM=15 years
SUM ASSURED= 1 LAC
Premium Paying Term = 12 Years Only
Premium                       =  Rs 10772 / Year       
SURVIVAL BENEFIT:
End Of 4th & 8th   Year Policyholder Get = Rs 30000
End Of 12th Year  Policyholder Get         = Rs 40000
MATURITY BENEFIT:
On Maturity Will Get = Rs 60000
 Reinvestnent:
If  The Survival Benefit Reinvested @ 9% Interest For Remaining Term
End of Year
Survival Benefit
If Reinvested@9%
4th    Year
30000
  78000
8th  Year
30000
  55000
12th  Year
40000
  52000
15th  Year
60000
  60000
Total

245000
DEATH BENEFIT:
1.If Death Rises During 5th Year,
   Nominee Will Get = Rs 120000
2.If Death Rises During 10th Year,
   Nominee Will Get = Rs 190000
3.If Death Rises During 13th Year,
   Nominee Will Get = Rs 248000

JEEVAN SURABHI-20 YEARS-107
Min.Age  =14
Max.Age =50
Term = 20 Years
Min.Sum Assured  = 50000
Max.Sum Assured = Any Amount
Premium Paying Mode : Single/Year/H.year/Qtr

SUITABILITY:
Businessmen & Professional As Money Available Periodically
PRODUCT:
To Pay Premium For 15 Years Only.
The Risk Cover increases By 50% Of Sum Assured Once in Every 5 Years
SURVIVAL BENEFIT:
End Of 4th, 8th ,12th &15th Year Policyholder Get = 25% Of Sum Assured
MATURITY BENEFIT:
On Maturity Will Get = Bonus
DEATH BENEFIT:
1.If Death Rises During 5th Year
   Nominee Will Get = Sum Assured + Accured Bonus
2.If Death Rises During 10th Year
   Nominee Will Get = 150% Of Sum Assured + Accured Bonus
3.If Death Rises During 13th Year
   Nominee Will Get = 200% Of Sum Assured + Accured Bonus
4.If Death Rises During 16th Year
   Nominee Will Get = 250% Of Sum Assured + Accured Bonus
EXAMPLE:

AGE=30
TERM=20 years
SUM ASSURED= 1 LAC
Premium Paying Term = 15 Years Only
Premium                       =  Rs  9230/ Year       
SURVIVAL BENEFIT:
End Of 4th, 8th ,12th &15th Year Policyholder Get = Rs 25000 Each
MATURITY BENEFIT:
On Maturity Will Get = Rs 90000
 Reinvestnent:
If  The Survival Benefit Reinvested @ 9% Interest For Remaining Term
End of Year
Survival Benefit
If Reinvested@9%
4th    Year
25000
  100000
8th    Year
25000
    70000
12th  Year
25000
    50000
15th  Year
25000
    39000
20th  Year
90000
    90000
Total

  349000
DEATH BENEFIT:
1.If Death Rises During 5th Year,
   Nominee Will Get = Rs 120000
2.If Death Rises During 10th Year,
   Nominee Will Get = Rs 190000
3.If Death Rises During 13th Year,
   Nominee Will Get = Rs 248000
4.If Death Rises During 16th Year
   Nominee Will Get = Rs 310000

JEEVAN SURABHI-25 YEARS-108
Min.Age  =14
Max.Age =45
Term = 25 Years
Min.Sum Assured  = 50000
Max.Sum Assured = Any Amount
Premium Paying Mode : Single/Year/H.year/Qtr

SUITABILITY:
Businessmen & Professional As Money Available Periodically
PRODUCT:
To Pay Premium For 18 Years Only.
The Risk Cover increases By 50% Of Sum Assured Once in Every 5 Years
SURVIVAL BENEFIT:
End Of 4th, 8th ,12th ,15th &18th Year Policyholder Get = 25% Of Sum Assured
MATURITY BENEFIT:
On Maturity Will Get = Bonus
DEATH BENEFIT:
1.If Death Rises During 5th Year
   Nominee Will Get = Sum Assured + Accured Bonus
2.If Death Rises During 10th Year
   Nominee Will Get = 150% Of Sum Assured + Accured Bonus
3.If Death Rises During 13th Year
   Nominee Will Get = 200% Of Sum Assured + Accured Bonus
4.If Death Rises During 16th Year
   Nominee Will Get = 250% Of Sum Assured + Accured Bonus
5.If Death Rises During 21st  Year
   Nominee Will Get = 300% Of Sum Assured + Accured Bonus
EXAMPLE:

AGE=30
TERM=25 years
SUM ASSURED= 1 LAC
Premium Paying Term = 18 Years Only
Premium                       =  Rs 8245/ Year        
SURVIVAL BENEFIT:
End Of 4th, 8th ,12th ,15th &18th Year Policyholder Get = Rs 20000
MATURITY BENEFIT:
On Maturity Will Get = Rs 125000
 Reinvestnent:
If  The Survival Benefit Reinvested @ 9% Interest For Remaining Term
End of Year
Survival Benefit
If Reinvested@9%
4th    Year
20000
  122000
8th    Year
20000
    87000
12th  Year
20000
    61000
15th  Year
20000
    48000
18th  Year
20000
    37000
25th  Year
125000
  125000
Total

  480000
DEATH BENEFIT:
1.If Death Rises During 5th Year
   Nominee Will Get = Rs 125000
2.If Death Rises During 10th Year
   Nominee Will Get = Rs 200000
3.If Death Rises During 13th Year
   Nominee Will Get = Rs 260000
4.If Death Rises During 16th Year
   Nominee Will Get = Rs 325000
5.If Death Rises During 21st  Year
   Nominee Will Get = Rs 400000

BIMA BACHAT(9,12&15 YEARS)-175
Min.Age  =15
Max.Age =66
Terms =9,12,15yrs
Min.Sum Assured  = 20000
Max.Sum Assured = Any Amount
Premium Paying Mode : Single Premium Only

SUITABILITY:
This is The Best Plan ForThose Who Want  Money Back With
Single Premium
PRODUCT:
This is a Single Premium Money Back Policy.
SURVIVAL BENEFIT:
Survival Benefits (15% of S.A) are Paid at 3rd,6th ,9th & 12th Policy Year
Respectively Depending on Policy Term.
MATURITY BENEFIT:
On Maturity Will Get = Single premium Paid + Loyalty Addition
DEATH BENEFIT:
On Death Nominee Will Get = Sum Assured
EXAMPLE:1

AGE=30
TERM=9years
SUM ASSURED= 1 LAC
Single Premium = Rs 66816
SURVIVAL BENEFIT:
End Of 3rd & 6th Year Policyholder Get = Rs 15000
MATURITY BENEFIT:
On Maturity Will Get = Rs 86000
Reinvestnent:
If  The Survival Benefit Reinvested @ 9% Interest For Remaining Term
End of Year
Survival Benefit
If Reinvested@9%
3rd    Year
15000
  24000
6th    Year
15000
  20000
9th    Year
86000
  86000
Total

130000
DEATH BENEFIT:
If Death Rises During 7th Year,
Nominee Will Get = Rs 1 Lac
EXAMPLE:2

AGE=30
TERM= 12years
SUM ASSURED= 1 LAC
Single Premium = Rs 71922
SURVIVAL BENEFIT:
End Of 3rd,6th  & 9th  Year Policyholder Get = Rs 15000
MATURITY BENEFIT:
On Maturity Will Get = Rs 96000
Reinvestnent:
If  The Survival Benefit Reinvested @ 9% Interest For Remaining Term
End of Year
Survival Benefit
If Reinvested@9%
3rd    Year
15000
  28000
6th    Year
15000
  24000
9th    Year
15000
  20000
12th  Year
96000
  96000
Total

168000
DEATH BENEFIT:
If Death Rises During 9th Year,
Nominee Will Get = Rs 1 Lac
EXAMPLE:3

AGE=30
TERM=15 years
SUM ASSURED= 1 LAC
Single Premium = Rs 74967
SURVIVAL BENEFIT:
End Of 3rd,6th ,9th & 12th Year Policyholder Get = Rs 15000
MATURITY BENEFIT:
On Maturity Will Get = Rs 105000
Reinvestnent:
If  The Survival Benefit Reinvested @ 9% Interest For Remaining Term
End of Year
Survival Benefit
If Reinvested@9%
3rd    Year
15000
  32000
6th    Year
15000
  28000
9th    Year
15000
  24000
12th  Year
15000
  20000
15th  Year
105000
105000
Total

209000
DEATH BENEFIT:
If Death Rises During 12th Year,
Nominee Will Get = Rs 1 Lac

NEW BIMA GOLD-179
Min.Age  =14
Max.Age =57
Term =12 years


Min.Sum Assured  = 20000
Max.Sum Assured = Any Amount
Min.Age  =14
Max.Age =51
Term = 16 Years
Min.Age  =14
Max.Age =45
Term = 20 Years
                           Premium Paying Mode : Year/H.year/Qtr

SUITABILITY:
This Is a Unique With Profit Money Back Type Plan. Right Plan For 
Those Who Want Higher Sum Assured by Low Premium With Money
Back Benefit.
PRODUCT:
To Pay Premium For 12/16/20 Years Only.
Premiums Paid Over The Term Of The Plan Are Paid Back In Insalments.
These Will Be Paid at Specified Durations.
Extended Term : This Plan Has The Facility Of an Extended Term
(Which Will Be Half of The Policy Term) Without Paying Premium After
Premium Paying Term Over.
Auto Cover : If Atleast 2 Full Years Premiums Have Been Paid,
Full Death Cover Shall Continue For a Period of 2 Years From the Date
Of First Unpaid Premium.
SURVIVAL BENEFIT:
Every 4th,8th,12th & 16th Year Will Get 15% / 10% of Sum Assured
MATURITY BENEFIT:
On Maturity Will Get = Total Premium-Survival Benefit + Loyaty Addition
DEATH BENEFIT:
1.If Death Rises During Policy Term
    Nominee Get = Sum Assured
2.If Death Rises During Extended Term
    Nominee Get = 50% Sum Assured
EXAMPLE:1

AGE=30
TERM=12 years
SUM ASSURED= 2 LAC
Premium Paying Term = 12 Years
Premium                          = Rs 11812 / Year
Extended Term              = 6 Years, From 13th Year To 18th Year
(During Extended Term Need Not Pay Premium)
SURVIVAL BENEFIT:
End Of 4th & 8th Year Policyholder Get = Rs 30000
MATURITY BENEFIT:
On Maturity Will Get = Rs 130000
Reinvestnent:
If  The Survival Benefit Reinvested @ 9% Interest For Remaining Term
End of Year
Survival Benefit
If Reinvested@9%
4th    Year
30000
  52000
8th    Year
30000
  41000
12th  Year
130000
130000
Total

 223000
DEATH BENEFIT:
1.If Death Rises 9th Year,
    Nominee Get = Rs 2 Lacs
2.If Death Rises During 15th Year
    Nominee Get = Rs 1 Lac
EXAMPLE:2

AGE=30
TERM=16 years
SUM ASSURED= 2 LAC
Premium Paying Term = 16 Year
Premium                          = Rs 10225
Extended Term              = 8 Years, From 17th Year To 24th Year
(During Extended Term Need Not Pay Premium)
SURVIVAL BENEFIT:
End Of 4th , 8th  & 12th Year Policyholder Get = Rs 30000
MATURITY BENEFIT:
On Maturity Will Get = Rs 135000
Reinvestnent:
If  The Survival Benefit Reinvested @ 9% Interest For Remaining Term
End of Year
Survival Benefit
If Reinvested@9%
4th    Year
30000
  63000
8th    Year
30000
  52000
12th  Year
30000
  41000
16th Year
135000
135000
Total

291000
DEATH BENEFIT:
1.If Death Rises 10th Year,
    Nominee Get = Rs 2 Lacs
2.If Death Rises During 20th Year
    Nominee Get = Rs 1 Lac
EXAMPLE:3

AGE=30
TERM=20 years
SUM ASSURED= 2 LAC
Premium Paying Term = 20 Years
Premium                          = Rs 7363
Extended Term              = 10 Years, From 21st  Year To 30th Year
(During Extended Term Need Not Pay Premium)
SURVIVAL BENEFIT:
End Of 4th , 8th,12th & 16th  Year Policyholder Get = Rs 20000
MATURITY BENEFIT:
On Maturity Will Get = Rs 143000
Reinvestnent:
If  The Survival Benefit Reinvested @ 9% Interest For Remaining Term
End of Year
Survival Benefit
If Reinvested@9%
4th    Year
20000
  63000
8th    Year
20000
  53000
12th  Year
20000
  42000
16th Year
20000
  31000
20th Year
143000
143000
Total

332000
DEATH BENEFIT:
1.If Death Rises 10th Year,
    Nominee Get = Rs 2 Lacs
2.If Death Rises During 25th Year
    Nominee Get = Rs 1 Lac

JEEVAN BHARATI(15&20 YEARS)-160
Min.Age  = 18
Max.Age = 50
Terms =15&20yrs
Min.Sum Assured  = 50000
Max.Sum Assured = 25 Lacs
Premium Paying Mode : Yearly

SUITABILITY:
A Money Back Plan Exclusively For Women.
PRODUCT:
Gtd.Addition @ Rs 50 / 1000 Sum Assured will Accrue at the End of Each
Completed Year For First 5 Years.
Free Incsurance Cover : If 2 Years Premiums Have Been Paid, Full
Death Cover is available For a Period of 3 Years, from The Date of First
Unpaid Premium.
Advance Premium : If Payment Is made in Advance a Rebate of 4% p.a
Is Available on Next Yearly Premium.(max. of 3 Yearly Premium)
Annuity : Option to Receive Maturity in The Form Of Annuity.
SURVIVAL BENEFIT:
End of 5th,10th,15th / 20th Year Will Get = 20% of Sum Assured
MATURITY BENEFIT:
On Maturity , If 15 Years Terms
Will Get = 60% of Sum Assured + G.A + Bonus
If 20 Years Terms
Will Get = 40% of Sum Assured + G.A + Bonus
DEATH BENEFIT:
1.If Death Rises in The First 5 Years,
   Nominee Will Get = Sum Assured + Gtd Addition @ 50/1000SA
2.If Death Rises After 5 Years,
   Nominee Will Get = Sum Assured + G.A + Bonus(from 6th year)
EXAMPLE:1

AGE=30
TERM=15years
SUM ASSURED= 1 LAC
Premium Paying Terms = 15 Years
Premium                            = Rs 9325
SURVIVAL BENEFIT:
End of  5th & 10th Year Policyholder Will Get = Rs 20000
MATURITY BENEFIT:
On Maturity Will Get = Rs 140000
DEATH BENEFIT:
1.If Death Rises During 5th  Year,
   Nominee Will Get = 125000
2.If Death Rises 12th  Year,
   Nominee Will Get = Rs 160000
EXAMPLE:2

AGE=30
TERM=20years
SUM ASSURED= 1 LAC
Premium Paying Terms = 20 Years
Premium                            = Rs 7555
SURVIVAL BENEFIT:
End of  5th,10th  & 15th  Year Policyholder Will Get = Rs 20000
MATURITY BENEFIT:
On Maturity Will Get = Rs 140000
DEATH BENEFIT:
1.If Death Rises During 5th  Year,
   Nominee Will Get = 125000
2.If Death Rises 12th  Year,
   Nominee Will Get = Rs 160000
Statutory Warning:
“Some benefits are guaranteed and some benefits are variable with returns based on the  future performance of your insurer carrying on life insurance business.  These assumed    rates of return are not guaranteed and they are not upper or lower limits of what you might get back as the value of your policy is dependent on a number of factors including future investment performance.”
All Calculation Given Above are Refer only
*Insurance  is  the  subject  matter  of  Solicitation

For Any Clarification Contact

RAVINDRABALAN. S
LIC ADVICER

ravindrabalan@yahoo.co.in
ravindrabalan@gmail.com
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