Bima Nivesh Policy offers compounded guaranteed additions @ Rs 60 per 1000 SA per year for 5 yrs and @  Rs 65 per 1000 SA for 10 yr policy.

For those of age 18 to 70

Min SA: 25,000 and above in multiples of 5,000
Max SA: 5,00,000

Mode: SINGLE REMIUM

Benefits:
Sum Assured Plus accrued GA
PLUS
Loyalty additions depending upon Corporation's experience.
Term Rider Assurance available at option.

High liquidity by way of surrender value from 2nd year onwards (Min lock in period)

                    For details click here


GUARANTEED ADDITIONS POLICY          LIC'S SITE          LIC HFL          LIC MF

GUARANTEED ADDITIONS POLICY          LIC'S SITE          LIC HFL          LIC MF

GUARANTEED ADDITIONS POLICY          LIC'S SITE          LIC HFL          LIC MF

GUARANTEED ADDITIONS POLICY          LIC'S SITE          LIC HFL          LIC MF

GUARANTEED ADDITIONS POLICY          LIC'S SITE          LIC HFL          LIC MF

GUARANTEED ADDITIONS POLICY          LIC'S SITE          LIC HFL          LIC MF
For More Details
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For More Details
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BEAT THE BUDGET 2001-2002 WHICH HAS BROUGHT DOWN INTEREST RATES ON SMALL SAVINGS; INSURE AGAINST FALLING INTEREST RATES. GO IN FOR LIC'S POLICIES WITH GUARANTEED ADDITIONS FOR LONG TERM BENEFITS.


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GUARANTEED ADDITIONS POLICY          LIC'S SITE          LIC HFL          LIC MF

GUARANTEED ADDITIONS POLICY          LIC'S SITE          LIC HFL          LIC MF
Jeevan Mitra - Triple cover
Multiple cover life insurance policies have come to stay. LIC already offers Jeevan Mitra (Double Cover), Jeevan Griha (Double Cover) and Jeevan Griha (Triple Cover) plans. Looking to the popularity of these plans, LIC has introduced  Jeevan Mitra (Triple Cover) with profits. For a small extra cost it provides a risk cover of 3 times the basic Sum Assured. In the case of accidents, the risk cover goes up to 4 times. It is thus an attractive plan that provides a high risk cover for a comparatively lower cost.

Benefits:

On maturity: On the policyholder surviving the term, the Sum Assured with bonus will be paid, provided all premiums are paid.

On death: Three times the basic Sum Assured along with bonus will be paid if the policyholder dies during the term of the policy, provided the policy is in full force as on the date of death.

Bonus: Bonus additions will be reckoned only on the basic Sum Assured at the rates applicable to endowment assurance. Bonus will be declared after each valuation and it will be simple, reversionary bonus payable only on death or maturity.

Accident Benefit: If the policyholder dies because of an accident, then an additional amount equal to the Sum Assured will also be payable along with the benefits stated above, provided the policyholder has opted for this benefit and the policy is in full force as on the date of death. The accident benefit is, however, restricted to an overall limit of Rs. 5,00,000/- in aggregate (including other policies on the same life).

SAI Agency
#6 "APSARA",W 38 Park Road,
Anna Nagar W.E.
Chennai 600 101. India
Ph: 044- 26150748
Pest Management
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* LIC has investment oriented schemes
* Tax Benefits for Premium paid  and Maturity value received
* Security Backing
* LIC's resources contribute to nation building

* Interactive Voice Response System - know the status of policy at the touch of the button - get it faxed to you.
* Wide Area Network (WAN) connecting 8 cities.
* Innovative Schemes for Senior citizens, couples, children, handicapped persons & others.
*On line premium paying facility
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1. Subscription to Jeevan Suraksha Pension Plan upto Rs 10,000 per year is deducted  before calculating taxable income under Sec 80 CCC (1)

2. Rebate at 20% for subscriptions to other policies along with other investments such as NSCs, CPF, PPF etc subject to a maximum of Rs 60,000 u/s 88 of IT Act

3.  Maturity benefits are also TAX FREE
Mediclaim subscriptions upto Rs 10,000 per annum are deducted from income before calculation of taxable income under Sec 80 D of the Income Tax Act.
Tax Benefits for LIC Schemes
Tax Benefits for GIC Schemes
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H Sai Sundar
Please leave your remarks / requirements.

BEAT THE BUDGET 2001-2002 WHICH HAS BROUGHT DOWN INTEREST RATES ON SMALL SAVINGS; INSURE AGAINST FALLING INTEREST RATES. GO IN FOR LIC'S POLICIES WITH GUARANTEED ADDITIONS FOR LONG TERM BENEFITS.

We are Agents for LIC / General Insurance / LIC MF Bond Fund, Mediclaim / Overseas Medical Cover and Personal Accident Insurance, RBI Relief Bonds
BEAT
THE
falling interest rates
Venkateswara - Karungulam LORD OF PROSPERITY
Policies with Guaranteed Additions
Insure against fall in interest rates
Children's Money Back Policy
Komal Jeevan -Children's Money Back
(Table 159)

Policy offers guaranteed additions @ Rs 75 per 1000 SA per year.
Min SA: Rs 1 lakh; Max SA Rs 25 lakhs

Mode:Yly, Hly, Qly, Mly (SSS) and SINGLE PREMIUM

Benefits:
Survival benefits at the age of 18 (20%), 20 (20%), 22 (30%) & 24 (30%) and Guaranteed addition plus loyalty addition will be payable at age 26.
Loyalty additions depending upon Corporation's experience.

JEEVAN SHREE

Ideal for investing your retirement / VRS benefits for 5 yrs / 10 yrs. Addl rebate for Sr Citizens and VRS beneficiaries
For More Details
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An exclusive policy for high profile executives.

Minimum SA: Rs 5 lakhs
For age 30 yrs, policy with an annual premium @ Rs 2,000 (SA Rs 5 lacs) appx for 16 yrs, matures into Rs
18.12 lakhs (Tax free)
9 yrs later. No premium is to be paid during interim period of 9 yrs; however, bonus @ Rs 37,500 per year will continue to be admitted by LIC .
Policy for Basic SA Rs 28 lacs matures into Rs 1 Crore (Tax free) in similar period.
Flexible policy / premium paying terms.
Loan facility available
Offers a consolidated savings strategy u/s 88 benefits.
Targeted maturity value regardless of interest rate fluctuations in the market.
Jeevan Bharati
An exclusive policy for Women
This plan is designed exclusively for women for providing funds in time of need like marriage , education etc. All female lives between 18 & 50 can secure the policy. Physically handicapped women are also eligible subject to certain conditions.
- Periodic returns of sum assured with facility to encash at will.
- Amount can be retained with LIC on compunded rate
- Guaranteed addition (Rs 70 per 1000 SA per year) and loyalty addition.
- Life cover continues despite non-payment of premium.
- Pregnancy and child birth risk along with accident benefit at no extra cost.
- Flexibility in premium payment.
For More Details
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For any additional Information, please
Highlights
An exclusive plan for
PROFESSIONALS, EXECUTIVES , CONSULTANTS, CONTRACTORS, NRIs, MODELS AND FILM STARS
  for high cover matching with their profiles.

Offers consoldiated TAX SAVING STRATEGY.

Guaranteed and Loyalty Additions
(Pay Rs 31,958(Age 30) for 16 years  and aim at Rs 17.50 lakhs taxfree at the end of term 25 years.- Guaranteed Addition More than Premium amount

Tax- free Maturity value

Long Term Risk Cover with limited premium paying term

Attractive Loan facility (after 2 yrs onwards)








Annual                            Total premium
Premium paid              for 16 yrs

31,958                                   5,11,328

          Benefits at maturity (After 25 yrs)                              
          Sum Assured            5,00,000                    
          GA                                     8,75,000                    
          Loyalty addition   3,75,000
                    
          Total benefits     17,50,000                    


*Loan permissible after 2 yrs onwards - use it for                              
buying car / house etc.                              

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Jeevan Shree
A star scheme for the
upper segment of society
Annual Premium Rs 31,958

Annual Bonus paid by LIC Rs 35,000                                     (TAX FREE)
A Scheme  that every woman will fall in love with
JEEVAN Bharati with Guaranteed Additions
Yes. LIC knows that women need that extra protection.
Hence a policy exclusive to women and meticulously designed for their needs.
This plan is designed exclusively for women for providing funds in time of need like marriage , education etc. All female lives between 18 & 50 can secure the policy. Physically handicapped women are also eligible subject to certain conditions.
Salient Features
- Periodic returns of sum assured with facility to encash at will.
- If amount is retained attractive interest is paid.
- Guaranteed addition and loyalty addition.
- Life cover continues despite non-payment of premium.
- Pregnancy and child birth risk along with accident benefit at no extra cost.
- Flexibility in premium payment.
Benefits
During the term of policy & at maturity
At the end of           Payments in %                    Illustration for
Years                              of Sum Assured          Rs 1 lac policy
                                                                                          Rs
  5 yrs                    20%                                                  20,000
10 Yrs                    20%                                                  20,000
15 Yrs                    20%                                                  20,000
At maturity
20 yrs                    40%                                                  40,000
GA @ Rs 70 per
1000 SA x 20 yrs                                                    1,40,000
Plus Loyalty Additions                                                            + LA

In the event of unfortunate death during the term of policy

Full sum assured + Guaranteed Additions of Rs. 70/- per Rs. 1000 sum assured + loyalty addition if 5 years premiums have been paid under the policy
Special Benefits

The life assured can avail survival benefits any time on or after its due date.

If opted for future, the benefits are incremented by 11%, compounded yearly.

Free Insurance Cover : If 2 years' premiums are paid, life cover is extended for 3 years from date of FUP.

The policy has an in-built accident benefit cover. This is available even during the extended cover period.

Flexibility in paying premiums : There is an option in the policy to pay premiums in advance. A 10% rebate is also given on selecting this option.

If policy is in force, pregnancy & child birth risk is also covered.
The life assured can opt for a pension in lieu of maturity amount. The option has to be exercised before 6 months from DOM.

Other Conditions
Minimum Sum Assured : Rs.50,000.
Maximum sum assured : Rs.5,00,000.
Minimum age at entry: 18 years.
Maximum age at entry: 50 years.
Mode of payment : Yearly only.
Maturity age : 70 years.
Policy is given only for 20 years

Premium Indicator Table
For Rs One lakh sum assured  TERM: Fixed at 20 years

AGE          Yearly Premium
                              Rs          

20                    7,085
25                    7,110
30                    7,195
35                    7,375
40                    7,695
Highlights
Guaranteed additions @ Rs 7,000 per year per 1000 SA for 20 Years plus loyalty addition ensure almost 100% annual increase & TAX_FREE maturity value.

Jeevan Surabhi
A Money Back Plan with rising insurance cover
Attractive Interim payments
With Double Accident Benefit
Three different terms of assurance and corresponding premium paying terms are available
Table  - Term of Assurance - Premium paid for
106                    15 years                              12 years
107                    20 years                              15 years
108                    25 years                              18 years          
Survival benefits available as  interim payments
Term          Payments at the end of years
                              4th          8th          12th          15th          18th
15 Yrs          30%          30%          40%          -                    -
20  Yrs          25%          25%          25%          25%          -
25 Yrs          20%          20%          20%          20%          20%

*Full Survival Benefits paid by end of premium paying period
*However, risk cover continues and policy participates in profits (Bonus) for the entire term of policy.

Illustration for a policy term of 15 yrs ; with premium paying term of 12 years
For Rs 1 lakh Sum Assured - Premium is Rs 10,594
Benefits disbursed as follows:
End of 4 yrs - Rs  30,000  (Against premium paid Rs 42,376)
End of 8 yrs - Rs  30,000  (Against premium paid Rs 42,376)
End of 12 yrs - Rs 30,000 (Against premium paid Nil )

Progressive Risk cover increase
1-5 years          - Risk cover - Rs 1 lakh
6-10 years           - Risk cover - Rs 1.5 lakh
11-15 years          - Risk cover - Rs 2 lakh

Risk cover is regardless of Survival benefits drawn in interim payments.

SAI Agency, W-38 / 6 Park Road, Anna Nagar West Extn. Chennai 600 101 (Ph: 26150748)

GUARANTEED ADDITIONS POLICY          LIC'S SITE          LIC HFL          LIC MF

GUARANTEED ADDITIONS POLICY          LIC'S SITE          LIC HFL          LIC MF

GUARANTEED ADDITIONS POLICY          LIC'S SITE          LIC HFL          LIC MF

GUARANTEED ADDITIONS POLICY          LIC'S SITE          LIC HFL          LIC MF

GUARANTEED ADDITIONS POLICY          LIC'S SITE          LIC HFL          LIC MF

GUARANTEED ADDITIONS POLICY          LIC'S SITE          LIC HFL          LIC MF
Bima Nivesh Policy offers compounded guaranteed additions @ Rs 60 per 1000 SA per year for 5 yrs and @  Rs 65 per 1000 SA for 10 yr policy.

For those of age 18 to 70

Min SA: 25,000 and above in multiples of 5,000
Max SA: 5,00,000

Mode: SINGLE REMIUM

Benefits:
Sum Assured Plus accrued GA
PLUS
Loyalty additions depending upon Corporation's experience.
Term Rider Assurance available at option.

High liquidity by way of surrender value from 2nd year onwards (Min lock in period)

                    For details click here

Komal Jeevan Policy- A great plan to provide for children's education/ future
Compare with Contributory Provident Fund -
LIC's contribution for age 30 is more than subscription;
Unlike CPF there is no ceiling for LIC's contribution.
Guaranteed additions safeguard against falling interest rates.
Jeevan Bharati
Closed on 31st March 2003
Closed on 31st March 2003
Scheme closed on 31st March 2003
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