Nidhi Investment Consultant

Premal B Patel

Life Insurance Advisor

LIC of India - Ahmedabad
+919426743391

Magic Mix Illustration for Mr. Harsh (age 27) Ref. No. 000000000045
Date : 12/03/2019

Proposed Insurance

Term/ Basic Sum DAB Rider ^ Install. Tax

Id Com.Date Plan Name PPT Assured SA Md Premium Beneficiary
1 12/03/2019 814-New Endowment 15/15 4,00,000 4,00,000 Y 28,809
2 12/03/2019 836-Jeevan Labh 21/15 4,00,000 4,00,000 Y 22,950
3 12/03/2019 836-Jeevan Labh 25/16 3,50,000 3,50,000 Y 17,071
4 12/03/2019 814-New Endowment 35/35 10,50,000 10,50,000 Y 28,828
5 12/03/2019 845-Jeevan Umang 73/15 3,50,000 3,50,000 Y 29,386
25,50,000 25,50,000

Annual Premium: 1,27,045

'^' : - Premiums indicated are inclusive of GST.

GST Bifurcation
Details of Plan PREMIUM
1st Year 2nd Year Onward
Sr. Comm. Sum
No. Date Pl/Tm/PPT Assured Md. Basic GST Total GST Total
1 12/03/19 814/15/15 4,00,000 Y 27,569 1,241 28,810 620 28,189
2 12/03/19 836/21/15 4,00,000 Y 21,962 988 22,950 494 22,456
3 12/03/19 836/25/16 3,50,000 Y 16,336 735 17,071 368 16,704
4 12/03/19 814/35/35 10,50,000 Y 27,587 1,241 28,828 621 28,208
5 12/03/19 845/73/15 3,50,000 Y 28,121 1,265 29,386 633 28,754
25,50,000 1,21,575 5,470 1,27,045 2,736 1,24,311

Modewise Summary of Installment Premiums

PREMIUM
* Bonus
Id Com. Date Plan/Tm/PPT Rate FAB Opted Yearly Half Yearly Quarterly Monthly Single **Daily
1 12/03/2019 814/15/15 38 20 Y 28,810 14,554 7,352 2,451 0 78.93
2 12/03/2019 836/21/15 47 100 Y 22,950 11,589 5,852 1,951 0 62.88
3 12/03/2019 836/25/16 50 450 Y 17,071 8,620 4,352 1,450 0 46.77
4 12/03/2019 814/35/35 48 2300 Y 28,828 14,573 7,366 2,456 0 78.98
5 12/03/2019 845/73/15 67 20 Y 29,386 14,840 7,494 2,498 0 80.51
1,27,045 64,176 32,416 10,806 0 348.07
1. '*' : - Assuming LIC will declare the above mentioned bonus rates for the year ended 31-Mar-2019
2. '**' : - Daily premium is for indicative purpose only. Formula used - (Yearly Premium/365).

Disclaimer: The figures presented in this entire illustration are indicative and solely for the purpose of understanding the possible benefits from the
proposed insurance. The benefits are not guaranteed and the actual results may depend on the future performance of the insurer.
 Nidhi Investment Consultant
Premal B Patel

Life Insurance Advisor

LIC of India - Ahmedabad
+919426743391

Magic Mix Illustration for Mr. Harsh (age 27) Ref. No. 000000000045

Innovative Forecast of Insurance Benefits

For the Year Loan
Fin. Year For the Year
Available
Ending Age Natural Death Accident Death Payment Returns Cash Flow
31/03/2019 27 26,75,350 52,25,350 1,27,045 0 -1,27,045 0
31/03/2020 28 28,00,700 53,50,700 1,24,310 0 -1,24,310 0
31/03/2021 29 29,26,050 54,76,050 1,24,310 0 -1,24,310 96,232
31/03/2022 30 30,51,400 56,01,400 1,24,310 0 -1,24,310 2,44,958
31/03/2023 31 31,76,750 57,26,750 1,24,310 0 -1,24,310 3,22,726
31/03/2024 32 33,02,100 58,52,100 1,24,310 0 -1,24,310 4,06,152
31/03/2025 33 34,27,450 59,77,450 1,24,310 0 -1,24,310 5,01,272
31/03/2026 34 35,52,800 61,02,800 1,24,310 0 -1,24,310 6,10,211
31/03/2027 35 36,78,150 62,28,150 1,24,310 0 -1,24,310 7,31,003
31/03/2028 36 38,03,500 63,53,500 1,24,310 0 -1,24,310 8,65,626
31/03/2029 37 39,28,850 64,78,850 1,24,310 0 -1,24,310 10,19,358
31/03/2030 38 40,54,200 66,04,200 1,24,310 0 -1,24,310 11,98,244
31/03/2031 39 41,79,550 67,29,550 1,24,310 0 -1,24,310 13,85,382
31/03/2032 40 43,04,900 68,54,900 1,24,310 0 -1,24,310 15,83,877
31/03/2033 41 44,81,250 70,31,250 1,24,310 0 -1,24,310 18,05,118
31/03/2034 42 39,54,425 61,04,425 44,911 6,64,000 6,19,089 10,04,364
31/03/2035 43 40,63,600 62,13,600 28,208 28,000 -208 10,85,873
31/03/2036 44 41,72,775 63,22,775 28,208 28,000 -208 11,80,163
31/03/2037 45 43,03,450 64,53,450 28,208 28,000 -208 12,84,233
31/03/2038 46 44,44,875 65,94,875 28,208 28,000 -208 14,00,285
31/03/2039 47 46,07,800 67,57,800 28,208 28,000 -208 15,43,569
31/03/2040 48 39,40,125 56,90,125 28,208 8,62,800 8,34,592 9,92,123
31/03/2041 49 41,94,750 59,44,750 28,208 28,000 -208 10,90,579
31/03/2042 50 44,49,375 61,99,375 28,208 28,000 -208 11,99,633
31/03/2043 51 47,04,000 64,54,000 28,208 28,000 -208 13,20,488
31/03/2044 52 39,61,125 53,61,125 28,208 9,73,000 9,44,792 7,45,635
31/03/2045 53 41,91,250 55,91,250 28,208 28,000 -208 8,02,964
31/03/2046 54 44,21,375 58,21,375 28,208 28,000 -208 8,66,924
31/03/2047 55 46,51,500 60,51,500 28,208 28,000 -208 9,38,648
31/03/2048 56 49,79,625 63,79,625 28,208 28,000 -208 10,19,932
31/03/2049 57 53,21,750 67,21,750 28,208 28,000 -208 11,12,454
31/03/2050 58 57,33,875 71,33,875 28,208 28,000 -208 12,26,348
31/03/2051 59 61,46,000 75,46,000 28,208 28,000 -208 13,54,206
31/03/2052 60 65,58,125 79,58,125 28,208 28,000 -208 14,98,290
31/03/2053 61 69,70,250 83,70,250 28,208 28,000 -208 16,61,196

Disclaimer: The figures presented in this entire illustration are indicative and solely for the purpose of understanding the possible benefits from the
proposed insurance. The benefits are not guaranteed and the actual results may depend on the future performance of the insurer.
 Nidhi Investment Consultant
Premal B Patel

Life Insurance Advisor

LIC of India - Ahmedabad
+919426743391

Magic Mix Illustration for Mr. Harsh (age 27) Ref. No. 000000000045

For the Year Loan

Fin. Year For the Year
Available
Ending Age Natural Death Accident Death Payment Returns Cash Flow
31/03/2054 62 18,40,475 21,90,475 0 52,57,000 52,57,000 1,40,000
31/03/2055 63 19,39,700 22,89,700 0 28,000 28,000 1,40,000
31/03/2056 64 20,38,925 23,88,925 0 28,000 28,000 1,40,000
31/03/2057 65 21,38,150 24,88,150 0 28,000 28,000 1,40,000
31/03/2058 66 22,37,375 25,87,375 0 28,000 28,000 1,40,000
31/03/2059 67 22,49,100 25,99,100 0 28,000 28,000 1,40,000
31/03/2060 68 22,60,825 26,10,825 0 28,000 28,000 1,40,000
31/03/2061 69 22,72,550 26,22,550 0 28,000 28,000 1,40,000
31/03/2062 70 22,84,275 22,84,275 0 28,000 28,000 1,40,000
31/03/2063 71 22,96,000 22,96,000 0 28,000 28,000 1,40,000
31/03/2064 72 23,07,725 23,07,725 0 28,000 28,000 1,40,000
31/03/2065 73 23,19,450 23,19,450 0 28,000 28,000 1,40,000
31/03/2066 74 23,31,175 23,31,175 0 28,000 28,000 1,40,000
31/03/2067 75 23,42,900 23,42,900 0 28,000 28,000 1,40,000
31/03/2068 76 23,54,625 23,54,625 0 28,000 28,000 1,40,000
31/03/2069 77 23,66,350 23,66,350 0 28,000 28,000 1,40,000
31/03/2070 78 23,78,075 23,78,075 0 28,000 28,000 1,40,000
31/03/2071 79 23,89,800 23,89,800 0 28,000 28,000 1,40,000
31/03/2072 80 24,01,525 24,01,525 0 28,000 28,000 1,40,000
31/03/2073 81 24,13,250 24,13,250 0 28,000 28,000 1,40,000
31/03/2074 82 24,24,975 24,24,975 0 28,000 28,000 1,40,000
31/03/2075 83 24,36,700 24,36,700 0 28,000 28,000 1,40,000
31/03/2076 84 24,48,425 24,48,425 0 28,000 28,000 1,40,000
31/03/2077 85 24,60,150 24,60,150 0 28,000 28,000 1,40,000
31/03/2078 86 24,71,875 24,71,875 0 28,000 28,000 1,40,000
31/03/2079 87 24,83,600 24,83,600 0 28,000 28,000 1,40,000
31/03/2080 88 24,95,325 24,95,325 0 28,000 28,000 1,40,000
31/03/2081 89 25,07,050 25,07,050 0 28,000 28,000 1,40,000
31/03/2082 90 25,18,775 25,18,775 0 28,000 28,000 1,40,000
31/03/2083 91 25,30,500 25,30,500 0 28,000 28,000 1,40,000
31/03/2084 92 25,42,225 25,42,225 0 28,000 28,000 1,40,000
31/03/2085 93 25,53,950 25,53,950 0 28,000 28,000 1,40,000
31/03/2086 94 25,65,675 25,65,675 0 28,000 28,000 1,40,000
31/03/2087 95 25,77,400 25,77,400 0 28,000 28,000 1,40,000
31/03/2088 96 25,89,125 25,89,125 0 28,000 28,000 1,40,000
31/03/2089 97 26,00,850 26,00,850 0 28,000 28,000 1,40,000

Disclaimer: The figures presented in this entire illustration are indicative and solely for the purpose of understanding the possible benefits from the
proposed insurance. The benefits are not guaranteed and the actual results may depend on the future performance of the insurer.
 Nidhi Investment Consultant
Premal B Patel

Life Insurance Advisor

LIC of India - Ahmedabad
+919426743391

Magic Mix Illustration for Mr. Harsh (age 27) Ref. No. 000000000045

For the Year Loan

Fin. Year For the Year
Available
Ending Age Natural Death Accident Death Payment Returns Cash Flow
31/03/2090 98 26,12,575 26,12,575 0 28,000 28,000 1,40,000
31/03/2091 99 26,24,300 26,24,300 0 28,000 28,000 0
12/03/2092 100 0 0 0 26,52,300 26,52,300 0

24,48,248 1,19,21,100 94,72,852

Explanatory Notes
Payment to L.I.C. indicates Annual Premium
Returns in the Year indicates Normal Cash Flow and /or Cash Flow taken from L.I.C. in installments (Inclusive of Interest).

Disclaimer: The figures presented in this entire illustration are indicative and solely for the purpose of understanding the possible benefits from the
proposed insurance. The benefits are not guaranteed and the actual results may depend on the future performance of the insurer.
 Nidhi Investment Consultant
Premal B Patel

Life Insurance Advisor

LIC of India - Ahmedabad
+919426743391

Magic Mix Illustration for Mr. Harsh (age 27) Ref. No. 000000000045

K e y A s s u mp t i o n s

Personal Data: DOB: 11/04/1992

Income Tax: Sec. 80C Limit Available: 150000Sec. 80D Limit Available: 15000
Tax Savings on premiums will be @ 30.90 % u/s 80C and @ 30.90 % u/s 80D
Projections: Bonus: On applicable plans, last declared reversionary bonus has been considered for the purpose of projected Riskcover and
Returns.

Terminal Bonus: On applicable plans, last declared terminal bonus of their respective matching discontinued plans has also been
considered.

Disclaimer: The figures presented in this entire illustration are indicative and solely for the purpose of understanding the possible benefits from the
proposed insurance. The benefits are not guaranteed and the actual results may depend on the future performance of the insurer.