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1. ENDOWMENT PLANS
Jeevan Anand 149
Endowment with Profit 14
Limited Payment Endowment with profit 48
Jeevan Mitra 88
Jeevan Saathi 89
Marriage Educational Annuity 90
New Janaraksha 91
Jeevan Mitra Triple Cover 133
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2. Jeevan Anand 149
Features
This With-Profit plan is a combination of the
Whole Life Plan and the most popular Endowment
Assurance Plan. The plan provides the pre-decided Sum
Assured and Bonuses at the end of the stipulated
premium paying term, but the risk cover on the life
continues till death.
Moderate Premiums
High bonus
High liquidity
Savings oriented
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3. Jeevan Anand 149
Special Features
Accident Benefit:
The double Accident Benefit is available during the
premium paying term and thereafter up to age 70. The
premium for this has been built into the tabular premium
rates. Maximum Accident Cover available under this
plan will be Rs. 5 lakh ( this limit excludes accident
benefit taken under other plans)
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4. Jeevan Anand 149
Premium Stoppage
If payment of premiums ceases after at least THREE
years' premiums have been paid , a free paid-up policy
for a reduced sum assured will be automatically secured
provided the reduced sum assured, exclusive of any
attached bonus, is not less than Rs. 250/-. The reduced
sum assured will become payable on the event as
stipulated in the policy.
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5. Jeevan Anand 149
Survival benefits:
Sum assured along with all vested bonuses payable at the
end of the premium paying term (Endowment term)
Death Benefits:
Sum Assured along with vested bonuses are payable on
death during the premium paying term and policy ceases. An
amount equal to the Sum Assured is payable if death occurs
after the premium paying term.
Simple Reversionary Bonus accrues during the premium
paying term and is payable at the end of the premium paying
term or on earlier death along with Final Additional Bonus, if
any. No Bonus is paid on death after the premium paying
term
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6. Jeevan Anand 149
Plan Parameters
Min Max
Entry Age 18 completed 65 nbd
Sum Assured 1,00,000 No limit
Term 5 57
Mode of Payment: Yly, Hly Qly, Mly or SSS
Max. Maturity age: 75 Years
Policy Loan available: Yes
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7. Jeevan Anand – Yield Chart
AGE TERM SUM YLY MAT YIELD % YIELD
ASSURED PREMIUM VALUE INCLUDING
IT BENEFITS
Policy Prem
35 45 25 100000 4535 2251800 8.88 9.86
40 40 25 100000 4772 1473669 8.71 9.69
BASED ON BONUS/FAB DECLARED AS AT 31.03.2002
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8. Endowment With profit - 14
Features
Moderate Premiums
High bonus
High liquidity
Savings oriented
This policy not only 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. The lump sum can
be reinvested to provide an annuity during the
remainder of his life or in any other way considered
suitable at that time
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9. Endowment With profit - 14
Plan Parameters
Min Max
Entry Age 12 nbd 65
Sum Assured 20000 No limit
Term 5 55
Mode of Payment:
Yearly, half yearly quarterly, monthly or SSS
Max. Maturity age: 75 Years
Policy Loan available: Yes
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10. Endowment With profit - 14
Benefits
Survival benefits:
Payment of full Sum Assured + Vested Bonus +
Final Additional bonus, if any
Death Benefits:
Payment of full sum assured + Vested Bonus
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11. Endowment With profit - 14
Special Features
Disability Benefit:
In case policy holder becomes totally and permanently
disabled due to an accident before reaching the age of
70 and the policy is in full force, he will not be required
to pay further premiums, (the Disability Benefit is
available in respect of the first Rs.20,000 sum assured
on any one life) and the policy will continue to be in
force.
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12. Endowment With profit - 14
Accident Benefit
The Double Accident Benefit equal to the Sum Assured
and not exceeding Rs.25 lacs can be availed by paying a
small extra premium of Re.1 per Rs.1000/- Sum Assured
per year. Even students above the age of 18 years can
avail of this benefit.
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13. Endowment With profit - 14
Yield Chart
AGE TERM SUM YLY MAT YIELD % YIELD
ASSURED PREMIUM VALUE INCLUDING
IT BENEFITS
35 25 100000 4047 322500 8.06 7.37
40 25 100000 4318 322500 7.64 8.69
BASED ON BONUS/FAB DECLARED AS AT 31.03.2002
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14. Limited Payment Endowment
with Profits 48
Features
The payment of premium can be limited either to
a single payment or to a term shorter than the
policy. The Sum Assured and Vested Bonus are,
however, payable only at the end of the policy
term, or on death of the policy holder if it takes
place earlier.
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15. Limited Payment Endowment
with Profits 48
Plan Parameters
Min Max
Entry Age 12 nbd 60
Sum Assured 20000 No limit
Term 5 50
Mode of Payment All modes
Max Maturity Age 70
Policy loan available
No loan under policies issued on minors until vesting
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16. Limited Payment Endowment
with Profits 48
Benefits
This is the most popular form of life assurance since it not
only makes provision for the family of the Life Assured in the
event of his early death, but also assures a lump sum at any
desired age. The amount assured, if not paid by reason of his
earlier death, becomes payable at the end of the endowment
term when it may be invested to provide an annuity during the
remainder of his life or in any other way he may think most
suitable at the time.
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17. Limited Payment Endowment
with Profits 48
Special Features
If payment of the premiums ceases after at least three years'
premiums have been paid, a free paid-up Policy for an amount
bearing the same proportion to the sum assured as the number
of premiums actually paid bears to the number stipulated for in
the policy, will be automatically secured provided the reduced
sum assured, exclusive of any attached bonus, is not less than
Rs.250.
Such reduced paid-up Policy will not be entitled to participate
in the profits declared thereafter, but such Bonus as has
already been declared on the Policy will remain attached
hereto.
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18. Jeevan Mitra 88
Special Features
Besides the usual benefits offered by any endowment
insurance plan, this policy provides for an additional
insurance cover equal to the sum assured in the event of a
policy holder’s death during the term of the policy. In
other words, the death claim in the case of this policy is
twice the basic sum assured.
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.
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19. Jeevan Mitra 88
Benefits
Survival benefits:
Sum Assured + vested Bonus on the basic Sum
Assured
Death Benefits:
Double the Sum Assured + vested Bonuses on the
basic Sum Assured Or
Double Accident benefits, if taken and paid for will
treble the amount of Sum Assured
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20. Jeevan Mitra 88
Plan Parameters
Min Max
Entry Age 18 lbd 50
Sum Assured 20000 No limit
Term 15 30
Mode of Payment All modes
Max Maturity Age 70 Years
Policy loan available Yes
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21. Jeevan Mitra 88
Features
The benefits of this policy are considered normally for
standard and substandard lives upto Class VI. It cannot
be allowed for people engaged in hazardous occupations.
Female lives under Category I & II allowed. Non-medical
special is allowed only if the Sum Assured does not
exceed Rs.1,00,000/-
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22. Jeevan Saathi 89
Special Features
This policy is issued on the lives of the husband and
wife including those under Category II & III.
The Sum Assured will be payable on the first death
and again on the death of the survivor during the
term of the policy. Vested Bonuses would also be
paid along with the Sum Assured on the second
death.
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23. Jeevan Saathi 89
Special Features
The Premium under this Plan is payable
during the joint life time of the two lives
and ceases on the first death or the
expiry of the selected term, whichever is
earlier.
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24. Jeevan Saathi 89
Benefits
Survival benefits:
If one or both the lives survive to the maturity date, the sum assured,
along with the accumulated bonus, is payable.
Death Benefits:
In case either of the couple dies during the policy’s term, two things
happen. One, LIC pays to the surviving spouse the full sum assured.
And, two, the policy continues on the life of the surviving partner
without him/her having to pay any further premiums, i.e. the life
cover on the survivor continues free of cost.
The sum assured is again be payable on the death of the other
partner in case both the husband and wife were to die during the
term of the policy. Vested bonus would also be paid along with the
sum assured on the second death.
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25. Jeevan Saathi 89
Plan Parameters
Min Max
Entry Age 20 nbd 50
Sum Assured 20000 No limit
Term 15 30
Mode of Payment All modes
Max Maturity Age 70 Years
Policy loan available Yes
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26. Jeevan Saathi - Yield Chart
AGE TERM SUM YLY MAT YIELD % YIELD
ASSURED PREMIUM VALUE INCLUDING
IT BENEFITS
35 25 100000 5461 325000 6.15 7.22
40 25 100000 6475 325000 5.01 6.10
BASED ON BONUS/FAB DECLARED AS AT 31.03.2002
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27. Marriage Endowment
& Educational Annuity - 90
Features
The Marriage Endowment/ Educational annuity plan provides a sum
assured to be kept aside for the expenses of marriage or higher
education of the policyholder's children. Premiums payable for
selected term or till death of the life Assured. Benefits will be given
only after the selected term.
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28. Marriage Endowment
& Educational Annuity - 90
Special Features
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, i.e. the survival or death benefit is payable at the same time. In case the
policy holder were to die during the term of the policy, no further premiums are
payable but the bonus continues to accrue for the full-term of the policy.
The sum assured, plus the accumulated bonus for the full term, are then paid to
the family at the end of the policy’s term. Further, one can opt to receive the
money either in one lump sum, or in ten half-yearly installments. In case, the
Double Accident Benefit is availed, then an additional sum equal to the basic
Sum Assured becomes payable immediately on death due to accident during
the policy term.
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29. Marriage Endowment
& Educational Annuity - 90
Benefits
Survival benefits:
(Sum Assured + Bonus) payable in lump sum (or)
(Sum Assured + Bonus) payable in 10 half-yearly installments at the
option of the life assured.
Death Benefits:
(Sum Assured + Bonus) payable in lump sum or in 10 half-yearly
installments at the option of beneficiary at the end of the policy term.
Accident:
Accident benefit equivalent to basic sum assured would be available by
paying appropriate additional premiums in that behalf. An amount
equivalent to Sum Assured become payable immediately.
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30. Marriage Endowment
& Educational Annuity - 90
Plan Parameters
Min Max
Entry Age 18 lbd 60
Sum Assured 20000 No limit
Term 5 25
Mode of Payment All modes
Max Maturity Age 70 Years
Policy loan available Yes
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31. Marriage Endowment
& Educational Annuity - 90
AGE TERM SUM YLY MAT YIELD % YIELD
ASSURED PREMIUM VALUE INCLUDING
IT BENEFITS
35 25 100000 3727 322500 8.59 9.62
40 25 100000 3824 322500 8.34 9.29
BASED ON BONUS/FAB DECLARED AS AT 31.03.2002
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32. New Janaraksha 91
Features
Ideal for Farmers and Workers, since farmers have to depend on the
vagaries of the climate while workers are subject to changes in trade
cycles, depressions, strikes, labor disputes, etc.
Provides full life insurance cover for 3 years even when the premiums
are not paid. (This benefit is available after at least 2 years premiums
are paid).
Non-medical General up to Rs.50,000/- with declaration of age up to
40 without any extra premium.
Non-medical Special is allowed up to Rs. 1,00,000/-.
Accident benefit available without payment of any extra premium.
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33. New Janaraksha 91
Special Features
The non-medical limit is exclusive to this policy. Double Accident
benefit and Bonus is also granted.
A special feature of the New Jana Raksha Policy is that it
continues to provide full life insurance cover to the assured for
three years, even when the premium payments are stopped due to
certain reasons, provided that at least 2 years premiums have been
received.
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34. New Janaraksha 91
Benefits
Maturity Benefit:
Payment of Sum Assured + Accrued bonus.
Death Benefits:
Natural:
Payment of Sum assured + Accrued bonus .
Accident / Permanent Disability:
Payment of double the Sum Assured + Accrued bonuses on the
Sum Assured as defined on the policy document.
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35. New Janaraksha 91
Plan Parameters
Min Max
Entry Age 18 50
Sum Assured 20000 750000
Term 12 30
Mode of Payment All modes
Max Maturity Age 70
Policy loan available Yes
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36. New Jana Raksha Yield Chart
AGE TERM SUM YLY MAT YIELD % YIELD
ASSURED PREMIUM VALUE INCLUDING
IT BENEFITS
35 25 100000 4146 322500 7.90 8.94
40 25 100000 4456 322500 7.44 8.48
BASED ON BONUS/FAB DECLARED AS AT 31.03.2002
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37. Jeevan Mitra Triple Cover 133
Special Features
This policy provides the benefits of an Endowment
Assurance policy and additional insurance cover
equal to three times of Sum Assured in the event of
death during the term of the policy so that the total
insurance cover is thrice the basic Sum Assured.
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38. Jeevan Mitra Triple Cover 133
Benefits
Maturity Benefit
Basic Sum assured along with vested bonuses will be payable on
the life assured surviving till the end of the term.
Death Benefit
Three times the basic sum assured together with vested bonuses if
any, will be payable on death of the life assured during the term of
assurance.
Bonuses
Bonus additions will be reckoned on the basic sum assured at
rates applicable to endowment assurance and will be payable at the
end of the selected term or at death if it occurs earlier.
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39. Jeevan Mitra Triple Cover 133
Plan Parameters
Min Max
Entry Age 18 50
Sum Assured 20000 No limit
Term 15 30
Mode of Payment All modes
Max Maturity Age 70 Years
Policy loan available Yes
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40. Jeevan Mitra Triple Cover 133
The benefits of this policy can be considered only for
standard and substandard lives upto Class VI. It cannot be
allowed for people engaged in hazardous occupations.
Individuals engaged in dangerous pursuits will be rated against
the revised tabular occupational extra rates.
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41. Jeevan Mitra(133) Yield Chart
AGE TERM SUM YLY MAT YIELD % YIELD
ASSURED PREMIUM VALUE INCLUDING
IT BENEFITS
35 25 100000 5553 322500 5.99 7.06
40 25 100000 6640 322500 4.79 5.88
BASED ON BONUS/FAB DECLARED AS AT 31.03.2002
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