LIC’s New Jeevan Nidhi Plan No. 812

1. LIC’s New Jeevan Nidhi Plan No. 812

2. LIC’s New Jeevan Nidhi - Highlights • Life Protection ~ Insurance Cover upto Date of Vesting • Pension ~ Option To purchase an Immediate Annuity or To purchase New Single Premium Deferred Pension Plan • Guaranteed Additions ~ For the first 5 years @ Rs.50‰ Basic Sum Assured

3. LIC’s New Jeevan Nidhi - Highlights • Participation in Profits ~ After 6th policy year, benefit of Vested Bonus and Final Additional Bonus (if any). • Flexibility ~ Premium Payment Frequency-SinglePremium, Yearly,Half-yearly,Quarterly,Monthly(ECS/SSS) • Customisation – Option for Accident Benefit Rider under Regular Premium Policies only.

4. LIC’s New Jeevan Nidhi- Eligibility Conditions

5. LIC’s New Jeevan Nidhi - Benefits Basic Sum Assured + Accrued Guaranteed Additions + Vested Simple Reversionary Bonuses &Final Additional Bonus(if any) Benefit on Vesting Commute as per Income Tax rules and purchase Immediate Annuity with the balance amount at the then prevailing Immediate annuity rate Purchase a new Single Premium deferred pension product from LIC

6. LIC’s New Jeevan Nidhi - Benefits Basic Sum Assured + Accrued Guaranteed Additions Death Benefit First 5 policy years Basic Sum Assured + Accrued Guaranteed Additions + Vested Bonuses & Final Additional Bonus (if any) 6th year onwards The Benefit shall be paid to the nominee as lump sum OR In the form of Annuity OR Partly in lump sum and balance in the form of Annuity at the then prevailing Immediate annuity rates

7. LIC’s New Jeevan Nidhi - Profits Guaranteed Additions Payable for the first five years @ Rs.50/- per thousand Basic Sum Assured for each completed year. Participation in profits • Simple Reversionary Bonus shall be added from the 6th policy year onwards till the end of the deferment period and at such rates as may be declared by the Corporation. • Final Additional Bonus shall be payable either on vesting or on earlier death at the rates declared by the Corporation.

8. LIC’s New Jeevan Nidhi – Accident Benefit Rider Eligibility Condition for Accident Benefit Rider

9. LIC’s New Jeevan Nidhi- Other features Back –dating – Allowed within same Financial year. Revival -A policy may be revived within a period of 5 years from the date of First Unpaid premium and before the date of vesting by payment of Arrears of premium plus Interest and subject to continued insurability. Surrender-The policy can be surrendered at any time on payment of at least 3 years’ premiums and after completion of at least 3 policy years but before the date on which annuity vests. The Surrender Value payable shall be the higher of Guaranteed Surrendered Value and Special Surrender Value. The Surrender proceeds shall be utilized to purchase an immediate annuity product or a new Single Premium deferred pension product from LIC. Claims Concession - Allowed

10. LIC’s New Jeevan Nidhi - Benefit Illustration

11. Why-LIC’s New Jeevan Nidhi !!! JeevanNidhi meets all your needs across the time horizon- Life cover now and Pension afterwards! Life Insurance cover till the date of vesting- For the wellbeing of your loved ones! And Annuity/Pension after vesting- For your wellbeing in later years!!! JeevanNidhi Your Companion for Life!!