Life Insurance Corporation of India presents Presentation on Attractive Features of its Plans A plan for every need

1. Life Insurance Corporation of India presents Presentation on Attractive Features of its Plans A plan for every need

2. Different Phases of Human Life Major Needs in Life that Require Financial Provisions Children's Marriage Schooling Regular Cash Flow Higher Education Health Care House Purchase/Extension Business Protection Start-in-life Children's Education Provision for old age Marriage

3. Business Protection Health Care Higher Education Old Age Provision Match Your Needs With LIC's Range of Products House Purchase Savings/ Investment Risk Cover Regular Cash Flow

4. Products to match all your Needs There are several types of life insurance and there are many decisions you will have to make when assessing your life insurance needs CLICK ON THE IMAGE TO VIEW ATTRACTIVE FEATURES OF PLAN

5. Endowment Plans (Table Nos. 14 and 48) • Simplest and most popular • insurance plan • Attractive Features : • Moderate Premiums • High bonus • High liquidity • Savings oriented • This plan makes provisions for the • family of the Life Assured in event • of his early death but also assures • a lump sum at a desired age. • This plan is apt for people of all • ages and social groups who wish to • protect their families from financial • setback that may occur owing to • their demise. Choice of Plan 14 – Premium throughout the term and Plan 48 – Choice of limited premium payment terms HOME

6. Whole Life (Table Nos. 2, 5 and 8) This plan is mainly devised to create an estate for the heirs of the policyholder as it provides for payment of sum assured plus bonuses on the death of the policyholder. Choice of Plan 2 – Premium throughout life** ; Plan 5 – Choice of limited premium payment terms and Plan 8 : Single Premium Payment • Considering the increased longevity of people, LIC has amended the • above provision, thereby providing for payment in the form of • maturity claim on completion of age 80 years or on expiry of term of • 40 years from date of commencement whichever is later. • This policy is suitable for people of all ages who wish to protect their • families from financial crises that may occur owing to the • policyholder’s premature death. • Bonus is higher than endowment and money back plans. HOME

7. Money Back Policy (Plan 75 and 93) • Unlike ordinary • endowment insurance • plans where the survival • benefits are payable only • at the end of the term • this plan provides for • periodic survival benefits • payments during the • term of the policy. • In the case of a 20-year • Money-Back (Table 75), • 20% of the sum assured • is payable each after 5, • 10, 15 years, and balance • of 40% plus accrued bonus • become payable at the • 20th year. • In the case of a 25-year • Money-Back (Table 93), • 15% of the sum assured • is payable each after 5, • 10, 15 and 20 years, and • the balance 40% plus the • accrued bonus become • payable at the 25th year. • An important feature of • these plans is that in the • event of death at any time • within the policy term, • the death claim comprises • full sum assured without • deducting any of the • survival benefits already • paid. Similarly, the bonus • is also calculated on the • full sum assured. HOME

8. Jeevan Mitra (Table Nos. 88 and 133) • In case of plan 88, the risk cover is twice • the basic sum assured and in case of • plan 133, it is three times the basic sum • assured, in the event of a policy holder’s • death during the term of the policy. • The survival claim, on the other hand, • is the basic sum assured, plus the • accrued bonuses. • Bonus is, similarly, calculated only on • the basic sum assured at rates • applicable to endowment policies. • This plan is suitable for people of • young ages who wish to protect their • families from a financial setback that • may occur in event of premature death. These plans offer an additional insurance besides the usual benefits offered by endowment insurance plans. HOME

9. Jeevan Saathi (Table No. 89) • This policy protects the incomes of • both husband and wife, also grants • equivalent benefits to their survivors • in case neither survive the policy • term period. • In case of death of one life, future • premiums are waived, one basic sum- • assured is paid immediately, risk • cover on the second life continues and • amount equal to basic sum assured • and vested bonuses is paid on • maturity or earlier death of second • life. • Accident cover available to both lives • on payment of small additional • premium earlier. Joint-life policy on the lives of husband and wife HOME

10. Marriage Endowment & Educational Annuity (Plan 90) • The plan provides a sum assured • to be kept aside for the expenses • of marriage or higher education of • children. • With the help of this policy one • can earmark money exclusively • for the marriage or higher • education of children. • Under this plan the policy monies • and bonus are paid only at the end of • the selected term, irrespective of • whether the policy holder survives • till the term or not. • Premium Waiver Benefit is in-built. • No extra premium payable for this • benefit. • Option available to receive monies • either in one lump sum, or in ten • half-yearly installments or can be • used to purchase an annuity. HOME

11. New Jan Raksha (Table No. 91) • Suitable for people from rural and • urban areas as well. • Unique feature of extended life • cover for three years, if full • premium paid for two years and • premium for next three years • remains unpaid. • In case of inability to pay • premiums due to any financial • difficulties, extended life cover • benefit can be availed. • Policy can be revived if extended • cover availed. • · Accident benefit available without • payment of any extra premium. HOME

12. Jeevan Kishore (Table No. 102) • Child becomes owner of the policy • automatically at the age of 18 years. • No medical examination of the child • if age is less than 10 years. • The amount can be used for any • particular need of the child like • marriage or start in life. • An Endowment Policy for benefit • of the child. • Suitable for parents of children • who wants to provide a lump sum • amount at a particular age of the • child. • High bonus from day one HOME

13. Jeevan Chhaya (Table No. 103) • Ideal for parents for making financial • provisions child’s education and marriage. • Has features of Money Back and • Jeevan Mitra built-in. • Plan provides for 25% of sum assured • every year in the last 4 years. • Flexible terms are available. • Vested Bonus at the end of the term. • Risk cover available through the • policy term. Provides immediate • financial support on death, but • ensures that pre-defined benefits • are available when planned. • Premium Waiver benefit built-in • at no additional premium. Bonus • continues to vest even during • premium waiver period. HOME

14. Jeevan Surabhi (Table Nos. 106-108) • Jeevan Surabhi plan is an increasing-cover • money back plan. • Premium payment obligation is completed in • lesser no. of years than policy term. • Early and higher rate of survival benefit payment. • Risk cover increases every five years. • Full sum assured is paid back as survival • benefit by the end of premium paying term. • However, the risk cover and additional risk • cover continue and the policy participates in • profits till the end of policy term. • Survival Benefits already paid are not deducted in • case of death claim arising. HOME

15. Bima Plus (Table No. 140) • Excellent capital market-linked plan. • Investment managed by experts. • Choice of three types of funds available. • Low expense charges as compared to similar • plans available in the market. • Facility to invest additional premiums as top ups. • Option to choose a lower sum assured and get • more units. • Bid value as on date and 5% of S.A. paid on date • of maturity. • High risk cover : on unfortunate death, full SA & • bid value of units payable. • Switch over possible twice during policy term. • Exclusive limits for Accident cover. • High Liquidity. Opportunity provided for discerning investor to benefit from the returns available in Capital Market without most of risks inherent in direct investment HOME

16. New Jeevan Suraksha-1 (Plan 148) . LIC’s Jeevan Suraksha-1 promotes self reliance. Today’s pension plan is the present value of tomorrow’s happiness. • Five different options for Annuities: • Annuity for Life • Annuity Certain for 5,10,15, 20 yrs. • and life thereafter • Annuity for life and 50% of annuity to • spouse for life on death of annuitant. • Annuity with return of purchase price • Annuity for life increasing at • simple rate of 3% per annum. Increasing life expectancy Makes it necessary to provide for regular income after retirement. Increased cost of living, cost of medical treatment, falling interest rates etc. necessitate that corpus for pension should be large enough to provide adequate pension. Jeevan Suraksha-I helps you make plan and provide for your old age • Tax benefit under Section • 80CCC(1) of Income Tax Act,1961 • Term Rider available upto Rs.25 lakhs • 25% tax free commutation of capital • sum assured and bonus at end of term. • Defer. period of even 2 years available. • Flexibility premium payment facility. HOME

17. Jeevan Anand (Table No. 149) • Guaranteed Sum Assured plus • Bonuses at Maturity, Free policy • equal to sum assured after maturity. • Flexible premium paying term : 5 • to 57 years (subject to maximum • maturity age : 75 years) • Free accident cover upto Rs. 5 lakhs • upto age 70 years. • Only plan of its kind in India, • fulfills the maxim “Zindagi ke • saath bi, zindagi ke baad bhi”. • Perfect blend of Endowment & • Whole Life Insurance Plan. • Assurance at Maturity and • Security Thereafter. HOME

18. Bima Kiran (Table No. 150) • Ideal for young men & women • with limited income . • Maximum risk cover with • minimum premium (up to Rs. • 10 lakhs). • Return of premiums on Maturity. • Survival benefits are equal to • Return of total premium + Loyalty • Addition + 10 years free insurance • cover (both according to duration of • the policy) • If death occurs, full sum assured + • Loyalty Addition if policy has • completed at least 4 yrs & kept in • force. • Free insurance cover after • maturity for a period of 10 • years. • Exclusive in-built accident • benefit (restricted to Rs. 5 • lakhs) and Loyalty additions. HOME

19. Jeevan Rekha (Table No. 152) • Ensures regular cash flow during • your lifetime and helps fulfill • financial obligations thereafter. • Survival Benefit Paid @ 10% of • Sum Assured after every 5 years. • Combination of money back and • whole-life. • Shorter the premium paying term, • higher the bonus. • Multiple choices for premium • payment terms. • Bonus keeps on accruing even • after the premium is fully paid. • Ideal as gift for the girl child HOME

20. Jeevan Samriddhi (Plan 154-157) • Risk cover equal to sum- • assured is available • throughout the term of the • policy. Survival benefits • already paid shall not be • deducted in case of death • claim. • Terms available are 12, 15, • 20 and 25 years. • This plan holds special interest to • people who besides wishing to • provide for their old age and • family and feel the need for lump • sum benefits at periodical intervals • It is a money back plan provides • Guaranteed Addition of Rs. 65 per • thousand Sum Assured per annum • as well as loyalty addition. HOME

21. Komal Jeevan (Table No. 159) • Education costs are rising, this plan • helps to prepare in advance • Helps fulfillment of dreams for children. • Excellent plan to help support child’s • higher education and start-in-life • Monies paid at crucial ages: 18th ,20th, • 22nd ,24th and 26th years. • Plan early for child’s welfare • Premium Waiver and Term Rider • benefit available. • Highest guaranteed addition • available among all plans. • Close relatives can gift a policy • under single premium HOME

22. Jeevan Bharti (Table No. 160) Ideal Plan for Working Women... & Housewives too • Exclusive Plan for Women • Female Critical Illness (5 major ailments covered) & Congenital Disabilities benefits • Guaranteed addition of Rs. 50 per thousand sum assured for first 5 years, thereafter participates in profits. • Flexibility to pay premium in advance • Option to receive maturity benefits in the form of an annuity • Free Insurance Cover : for an extended period of 3 years, if premiums are paid for 2 years and no further premiums paid. • Money back plan with terms 15 and 20 years – survival benefits (20% of sum assured) payable after every 5 years and balance plus guaranteed additions, vested bonus and loyalty addition on maturity. • Encashment of Survival Benefits as and when needed. Survival Benefits encashed at a later date will earn interest at prevailing bank rate. HOME

23. New Jeevan Shree-I (Table No. 162) • Exclusive policy for people with • an exclusive life style. • Flexibility of premium payments • – liability can be done with in a • shorter period. • Guaranteed Additions during the • first 5 years and participating in • profits thereafter. • Helps to create a large capital in • instalments • Bonus and accident cover • continues even after premium • paying term is over. • High Liquidity : Special • Surrender value can be • available after 1 year subject • to conditions. Loan available • on payment of premiums for • atleast 1/10th of the PPT. • Due to liquidity, best suited • for Key Man Insurance. HOME

24. Anmol Jeevan-1 (Table No. 164) • Low Premium, High Risk • Cover Plan • Ideal for: • Youngsters making start-in-life • Collateral Security against Loans • People not interested in Savings and Returns but pure risk cover only. • Terms available between 5 and 25 • years. • Minimum Sum-Assured:Rs. 5 lakhs • Maximum Sum-Assured: Rs. 3 crores Pure Term Assurance Policy HOME

25. Jeevan Saral (Table No. 165) • Plan that guarantees • • Higher cover • • Smooth return • • Liquidity and • • Considerable flexibility • Premium holidays – up to 12 months • after policy has been in force for 3 • years • Optional higher cover through term • riders • Flexible premium ranging from Rs. • 250 to Rs. 10,000 pm. • Continuously increasing risk cover • after first 5 years. • Risk cover is same irrespective • of age at entry and term. • Only traditional non-linked plan • having facility for partial • surrenders • High Liquidity : No surrender • penalty after 5 years. Higher • surrender values HOME

26. Jeevan Pramukh (Table Nos. 167) • Flexible Premium Payment Terms • Fulfill premium payment obligation in • 3, 4 or 5 years. • Bonus continues to accrue in the post- • premium payment period. • The policy provides Guaranteed Additions • @ Rs. 50 per thousand Sum Assured per • annum for the first 5 years plus simple • reversionary bonus 6th year onwards plus • loyalty addition, if any. T • Suitable for Key Man Insurance. • Transferability: Where a policy has been • taken by an employee under KMI and such • Key Man leaves the services & joins another • employer, the policy can be transferred in • favor of new employer. • High Liquidity A New Flexible Policy to create a large capital sum gradually but definitely and for Business Protection HOME

27. Jeevan Anuraag (Table Nos. 168) • Ideal for providing for future • higher education of children. • Multiple benefits like flexible • premium payment options, • term assurance, critical illness • and premium waiver benefit. • Flexible terms available from • 10 to 25 years term. 5 years • term available for single • premium. • Date of maturity can be planned • to coincide with the financial • requirements of child’s future • needs. A policy on life of parent for his child’s benefit A plan that guarantees a pre-specified sum At pre-specified dates Notwithstanding uncertainties of life HOME

28. Jeevan Nidhi (Table No. 169) • A with-profits Deferred Annuity (Pension) plan. • On survival at the end of the policy term, • accumulated amount (i.e. Sum Assured + • Guaranteed Additions + Bonuses) is used to • generate a pension (annuity). • The plan also provides a risk cover during the • deferment period. Nominee has option to avail • lump sum payment or purchase annuity. • The USP of the plan being the pension can • commence at 40 years.  • Rebate allowed up to Rs. 10,000/- under section • 80(CCC) of Income Tax Act, 1961. • Five different options for annuity. • Options for critical illness rider, term • assurance rider and premium waiver benefit • rider. To support and sustain the existing lifestyle after retirement when income either ceases or declines considerably. HOME

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