Скачать или смотреть LIC की ये बेहतरीन पॉलिसियां 15 जनवरी 2020 को हो जाएँगी बंद| Part 1| By Krishna Lodhiyal

In this video I've explained all 4 policies those are scheduled to be discontinue on 15th january 2020.

To read lic official circcular please cick to the link below:
https://drive.google.com/open?id=1_Vt...

To understand basic calculation of 10lakhs sum assured of 30aged person for all the 4 policies read below:

Plan : New Jeevan Nidhi

Age :30
Term :35
Sum Assured :1000000

Single Premium With TAX 4.5% :
398668 (381500 + 17168)

Total Approximate Paid Premium : 398668

Approximate Return at Vesting Time :

S.A. : 1000000
G.A. :250000
Bonus : 1560000
F.A.B. : 2300000
Total Approximate Return at Vesting Time : 5110000

Option On Vesting :
1. Get 1/3rd amount as 1703333 as commutation and Buy Jeevan Akshay policy of Balance amount 3406667 increased by 3%.
2. Buy Jeevan Akshay of Full vesting amount 5110000 increased by 3%.
3. Buy Jeevan Nidhi Single Premium.

Pension Start From age : 66

Annuity for life with return of purchase price on death.
Sum Assured : 5034483
Annuity :
Yearly : 357666
Halfly : 173547
Quarterly : 85641
Monthly : 28274



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Plan : Bima Bachat (816)

Age :30
Term :15
Sum Assured :1000000

Single Premium With TAX 4.5% :
768389 (735300 + 33089)

Total Approximate Paid Premium : 768389

Money Back At :

3rd Year : 150000
6th Year : 150000
9th Year : 150000
12th Year : 150000

L.A. : 300000
Approximate Return at Maturity Time 15th Year (Single Premium Paid + L.A.) :
1068389

Total Approximate Maturity : 1668389

Pension Start From age : 46

Annuity for life with return of purchase price on death.
Sum Assured : 1052600
Annuity :
Yearly : 72956
Halfly : 35637
Quarterly : 17634
Monthly : 5839


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Plan : Money Back 25 Year - 821

Age :30
Term :25
Premium Paying Term : 20
D.A.B. : 1000000
Death Sum Assured :1250000
Basic Sum Assured :1000000

1st year Premium With TAX 4.5% :
Yearly : 60998 (58371 + 2627)
Halfly : 30820 (29493 + 1327)
Quarterly : 15571 (14900 + 671)
Monthly(ECS) : 5191 (4967 + 224)
YLY Mode Average Prem/Day : 167

After 1st year Premium With TAX 2.25% :
Yearly : 59684 (58371 + 1313)
Halfly : 30157 (29493 + 664)
Quarterly : 15235 (14900 + 335)
Monthly(ECS) : 5079 (4967 + 112)
YLY Mode Average Prem/Day : 163

Total Approximate Paid Premium : 1194994

Money Back At :

5th Year : 150000
10th Year : 150000
15th Year : 150000
20th Year : 150000

Bonus : 1100000
F.A.B. : 225000
Approximate Return at Maturity Time 25th Year (40 % SA + Bonus + F.A.B.) :
1725000

Total Approximate Return : 2325000

Pension Start From age : 56

Annuity for life with return of purchase price on death.
Sum Assured : 1699507
Annuity :
Yearly : 119015
Halfly : 57978
Quarterly : 28649
Monthly : 9472
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Plan : Jeevan Pragati - 838

Age :30
Term :20
D.A.B. : 1000000
Sum Assured :1000000

First Five Year Death Sum Assured :1000000

6th to 10th Year Death Sum Assured :1250000

11th to 15th Year Death Sum Assured :1500000

16th to 20th Year Death Sum Assured :2000000

1st year Premium With TAX 4.5% :
Yearly : 50667 (48485 + 2182)
Halfly : 25599 (24497 + 1102)
Quarterly : 12932 (12375 + 557)
Monthly(ECS) : 4311 (4125 + 186)
YLY Mode Average Prem/Day : 138

After 1st year Premium With TAX 2.25% :
Yearly : 49576 (48485 + 1091)
Halfly : 25048 (24497 + 551)
Quarterly : 12653 (12375 + 278)
Monthly(ECS) : 4218 (4125 + 93)
YLY Mode Average Prem/Day : 135

Total Approximate Paid Premium : 992611

Approximate Return at Maturity Time :

S.A. : 1000000
Bonus : 820000
F.A.B. : 70000
Total Approximate Return at Maturity Time : 1890000

Pension Start From age : 51

Annuity for life with return of purchase price on death.
Sum Assured : 1862069
Annuity :
Yearly : 129688
Halfly : 63261
Quarterly : 31305
Monthly : 10350