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JEEVAN ANAND:

Features-
Product summary:
This plan is a combination of Endowment Assurance and Whole Life plans. It provides financial protection against death throughout
the lifetime of the life assured with the provision of payment of a lump sum at the end of the selected term in case of his survival.
Premium:
Premiums are payable yearly, halfyearly, !uarterly, monthly or through salary deductions as opted by you throughout the selected
term of the policy or till earlier death.
Bonuses:
This is a withprofit plan and participates in the profits of the "orporation#s life insurance business. It gets a share of the profits in
the form of bonuses. $imple %eversionary &onuses are declared per thousand $um Assured annually at the end of each financial
year. 'nce declared, they form part of the guaranteed benefits of the plan. &onuses will be added during the selected term or till
death, if it occurs earlier. (inal )Additional* &onus may also be payable provided the policy has run for certain minimum period.
Benefits-
&enefitsincaseofdeathduringtheselectedterm+
The $um Assured along with the vested bonuses is payable on death in a lump sum.
&enefitsincaseofsurvivaltotheendofselectedterm+
The $um Assured along with the vested bonuses is payable in a lump sum on survival to the end of the term. An additional $um
Assured is payable on death thereafter.
Accident&enefit+
An additional $um Assured )sub,ect to a limit of %s.- la.h* is payable in a lump sum on death due to accident up to age /0 of life
assured. In case of permanent disability of the life assured due to accident this additional $um assured is payable in instalments.
$upplementary1E2tra&enefits:
These are the optional benefits that can be added to your basic plan for e2tra protection1option. An additional premium is re!uired
to be paid for these benefits.
$urrender3alue:
&uying a life insurance contract is a longterm commitment. 4owever, surrender values are available on the plan on earlier
termination of the contract.
GuaranteedSurrenderValue:
The policy may be surrendered after it has been in force for 5 years or more. The guaranteed surrender value is 506 of the basic
premiums paid e2cluding the first year#s premium. Any e2tra premium)s* paid and premium)s* towards Accident &enefit are also
e2cluded.
Corporationspolicyonsurrenders:
In practice, the "orporation will pay a $pecial $urrender 3alue 7 which is either e!ual to or more than the 8uaranteed $urrender
3alue. The benefit payable on surrender reflects the discounted value of the reduced claim amount that would be payable on death
or at maturity. This value will depend on the duration for which premiums have been paid and the policy duration at the date of
surrender. In some circumstances, in case of early termination of the policy, the surrender value payable may be less than the total
premium paid.
The "orporation#s surrender value will be reviewed from time to time and may change depending on the economic environment, our
e2perience and other factors.
Benefit !llustration-
Statutory"arnin#:
9$ome benefits are guaranteed and some benefits are variable with returns based on the future performance of your insurer
carrying on life insurance business. If your policy offers guaranteed returns then these will be clearly mar.ed 9guaranteed: in the
illustration table on this page. If your policy offers variable returns then the illustrations on this page will show two different rates of
assumed future investment returns. These assumed rates of return are not guaranteed and they are not upper or lower limits of
what you might get bac. as the value of your policy is dependent on a number of factors including future investment performance.:
!llustration$
Ageatentry+5-years
$umAssured+%s.;,00,0001
PremiumPayingterm+<-years
=odeofpremiumpayment+>early
Annual Premium+ %s. ?,-5- 1
End of
year
%otal premiums
paid till end of
year
Benefit paya&le on deat' ( maturity at t'e end of year
Guaranteed
)
Varia&le %otal
Scenario $ Scenario * Scenario $ Scenario *
; ?,-5- ;00000 ;-00 -;00 ;0;-00 ;0-;00
< @,0/0 ;00000 5000 ;0<00 ;05000 ;;0<00
5 ;5,A0- ;00000 ?-00 ;-500 ;0?-00 ;;-500
? ;B,;?0 ;00000 A000 <0?00 ;0A000 ;<0?00
- <<,A/- ;00000 /-00 <--00 ;0/-00 ;<--00
A </,<;0 ;00000 @000 50A00 ;0@000 ;50A00
/ 5;,/?- ;00000 ;0-00 5-/00 ;;0-00 ;5-/00
B 5A,<B0 ;00000 ;<000 ?0B00 ;;<000 ;?0B00
@ ?0,B;- ;00000 ;5-00 ?-@00 ;;5-00 ;?-@00
;0 ?-,5-0 ;00000 ;-000 -;000 ;;-000 ;-;000
;- AB,0<- ;00000 <<-00 /A-00 ;<<-00 ;/A-00
<0 @0,/00 ;00000 55000 ;;5000 ;55000 <;5000
<- ;,;5,5/- ;00000 ?;-00 ;?;000 ;?;-00 <?;000
End of
year
%otal premiums
paid till end of
year
Benefit paya&le on deat' ( maturity at t'e end of year
Guaranteed
)
Varia&le %otal
Scenario $ Scenario * Scenario $ Scenario *
<A ;,;5,5/- ;00000 ?;-00 ;?;000 ;?;-00 <?;000
</ ;,;5,5/- ;00000)) ;00000)) ;00000))
* In addition to the benefits given in the column, an Accident Benefit of Rs. 1,00,000 /- will also be available without payment of
et!a p!emium in case of death/disability due to accident
** Benefit payable on death afte! the selected te!m. If the death occu!s due to accident up to age "0 an additional Rs. 1,00,000/-
will also be paid.
)i* The above illustration is applicable to a nonsmo.er male1female standard )from medical, life style and occupation point of view*
life.
)ii* The nonguaranteed benefits );* and )<* in above illustration are calculated so that they are consistent with the Pro,ected
Investment %ate of %eturn assumption of A6 p.a.)$cenario ;* and ;06 p.a. )$cenario <* respectively. In other words, in preparing
this benefit illustration, it is assumed that the Pro,ected Investment %ate of %eturn that LI"I will be able to earn throughout the
term of the policy will be A6 p.a. or ;06 p.a., as the case may be. The Pro,ected Investment %ate of %eturn is not guaranteed.
)iii* The main ob,ective 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 !uantification.
)iv* (uture bonus will depend on future profits and as such is not guaranteed. 4owever, once bonus is declared in any year and
added to the policy, the bonus so added is guaranteed.

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