BENIFITS ILLUSTRATION

Statutory Warning
“Some benefits are guaranteed and some benefits are variable with returns based on the future performance of your life insurance company. If your policy offers guaranteed returns then these will be clearly marked “guaranteed” 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 investment returns. 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 dependant on a number of factors including future investment performance.”

Illustration 1:
Table No 14
Age at entry: 35 years
Policy Term: 25 years
Sum Assured: Rs.1,00,000/-
Premium paying term: 25 years
Mode of premium payment: Yearly
Annual Premium : Rs.4,750 /-

End Of Year	Total Premiums Paid Till End Of Year	Benefit Payable On Death/Maturity At The End Of Year
		Guaranteed	Variable		Total
			Scenario 1	Scenario 2	Scenario 1	Scenario 2
1	4,750	200000	2,100	5,700	202100	205700
2	9,500	200000	4,200	11,400	204200	211400
3	14,250	200000	6,300	17,100	206300	217,100
4	19,000	200000	8,400	22800	208400	222800
5	23,750	200000	10,500	28500	210500	228500
6	28,500	200000	12,600	34200	212600	234200
7	33,250	200000	14,700	39900	214700	239900
8	38,000	200000	16,800	45600	216800	245600
9	42,750	200000	18,900	51300	218900	251300
10	47,500	200000	21,000	57000	221000	257000
15	71,250	200000	31,500	85500	231500	285500
20	95,000	200000	56,000	152000	256000	352000
25	118,750	200000	69,500	189500	269500	389500
End of year	Total premiums paid till end of year	Benefit payable on death / maturity at the end of year
		Guaranteed	Variable		Total
			Scenario 1	Scenario 2	Scenario 1	Scenario 2
25	118,750	100,000	69,500	189500	169500	289500

Illustration 2:
Table No 133
Age at entry: 35 years
Policy Term: 25 years
Sum Assured: Rs.1,00,000/-
Premium Paying term: 25 years
Mode of premium payment: Yearly
Annual Premium: Rs.5,453 /-

End Of Year	Total Premiums Paid Till End Of Year	Benefit Payable On Death/Maturity At The End Of Year
		Guaranteed	Variable		Total
			Scenario 1	Scenario 2	Scenario 1	Scenario 2
1	5453	300000	2,100	5,700	302100	305700
2	10906	300000	4,200	11,400	304200	311400
3	16359	300000	6,300	17,100	306300	317,100
4	21812	300000	8,400	22800	308400	322800
5	27265	300000	10,500	28500	310500	328500
6	32718	300000	12,600	34200	312600	334200
7	38171	300000	14,700	39900	314700	339900
8	43624	300000	16,800	45600	316800	345600
9	49077	300000	18,900	51300	318900	351300
10	54530	300000	21,000	57000	321000	357000
15	81795	300000	31,500	85500	331500	385500
20	109060	300000	56,000	152000	356000	452000
25	136325	300000	69,500	189500	369500	489500
End Of Year	Total Premiums Paid Till End Of Year	Benefit Payable On Death/Maturity At The End Of Year
		Guaranteed	Variable		Total
			Scenario 1	Scenario 2	Scenario 1	Scenario 2
25	136325	100000	69500	189500	169500	289500

i) This illustration is applicable to a non-smoker male/female standard (from medical, life style and occupation point of view) life.
ii) The non-guaranteed benefits (1) and (2) in above illustration are calculated so that they are consistent with the Projected Investment Rate of Return assumption of 6% p.a. (Scenario 1) and 10% p.a. (Scenario 2) respectively. In other words, in preparing this benefit illustration, it is assumed that the Projected Investment Rate of Return that LICI will be able to earn throughout the term of the policy will be 6% p.a. or 10% p.a., as the case may be. The Projected Investment Rate of Return is not guaranteed.
iii) The main objective 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 quantification.
iv)Future bonus will depend on future profits and as such is not guaranteed. However, once bonus is declared in any year and added to the policy, the bonus so added is guaranteed.