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    Durga - 945-Jeevan Umang

    Uploaded by

    Suraj Singri
    This document provides details of a life insurance plan called 945-Jeevan Umang for a 40 year old person. It outlines premium amounts, coverage amounts for natural and accidental death over the policy term, cash values if the policy is surrendered, and loan amounts available. The total premium is Rs. 3600879 paid over 15 years, and the policy returns Rs. 23910000 at age 100.

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    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd

    Durga - 945-Jeevan Umang

    Uploaded by

    Suraj Singri
    19 views5 pages
    This document provides details of a life insurance plan called 945-Jeevan Umang for a 40 year old person. It outlines premium amounts, coverage amounts for natural and accidental death over the policy term, cash values if the policy is surrendered, and loan amounts available. The total premium is Rs. 3600879 paid over 15 years, and the policy returns Rs. 23910000 at age 100.

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    Durga _945-Jeevan Umang

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    This document provides details of a life insurance plan called 945-Jeevan Umang for a 40 year old person. It outlines premium amounts, coverage amounts for natural and accidental death over the policy term, cash values if the policy is surrendered, and loan amounts available. The total premium is Rs. 3600879 paid over 15 years, and the policy returns Rs. 23910000 at age 100.

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    19 views5 pages

    Durga - 945-Jeevan Umang

    Uploaded by

    Suraj Singri
    This document provides details of a life insurance plan called 945-Jeevan Umang for a 40 year old person. It outlines premium amounts, coverage amounts for natural and accidental death over the policy term, cash values if the policy is surrendered, and loan amounts available. The total premium is Rs. 3600879 paid over 15 years, and the policy returns Rs. 23910000 at age 100.

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
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    945-Jeevan Umang

    Prepared By

    Suhas S Singri
    Investment CONSULTANT
    Mobile: 6366663455 & 9632727999
    Suhas.Singri@gmail.com
    Proposer Details
    Plan Name 945-Jeevan Umang
    Name Durga
    Age 40
    SumAssured 3000000
    Term/PPT 60/15
    DAB Rider SumAssured 0
    AD&DB Rider SumAssured 0
    Term Rider SumAssured 0
    Critical Illness Rider SumAssured 0

    First Year Premium


    YLY HLY QLY MLY
    244981 123749 62504 20835
    234432+10549 118420+5329 59812+2692 19938+897

    Subsequent Year Premium


    YLY HLY QLY MLY
    239707 121084 61158 20387
    234432+5275 118420+2664 59812+1346 19938+449

    Total Premium Rs.3600879


    Total Returns Rs.34710000
    Year Age Premium Natural Accidental Returns CashFlow Loan
    2022 40 244981 3171000 6171000 0 0 0
    2023 41 239707 3342000 6342000 0 74200 66780
    2024 42 239707 3513000 6513000 0 111300 100170
    2025 43 239707 3684000 6684000 0 222600 200340
    2026 44 239707 3855000 6855000 0 371000 333900
    2027 45 239707 4026000 7026000 0 556500 500850
    2028 46 239707 4197000 7197000 0 779100 701190
    2029 47 239707 4368000 7368000 0 1038799 934919
    2030 48 239707 4539000 7539000 0 1335600 1202040
    2031 49 239707 4710000 7710000 0 1669500 1502550
    2032 50 239707 4881000 7881000 0 2040500 1836450
    2033 51 239707 5052000 8052000 0 2448600 2203740
    2034 52 239707 5223000 8223000 0 2893800 2604420
    2035 53 239707 5394000 8394000 0 3376100 3038490
    2036 54 239707 5565000 8565000 0 3895499 3505949
    2037 55 0 5796000 8796000 240000 4706160 1260000
    2038 56 0 5982000 8982000 240000 5391300 1260000
    2039 57 0 6168000 9168000 240000 5560200 1260000
    2040 58 0 6354000 9354000 240000 5729100 1260000
    2041 59 0 6570000 9570000 240000 5928000 1260000
    2042 60 0 6801000 9801000 240000 6141900 1260000
    2043 61 0 7062000 10062000 240000 6385800 1260000
    2044 62 0 7383000 10383000 240000 6689700 1260000
    2045 63 0 7854000 10854000 240000 7143600 1260000
    2046 64 0 8325000 11325000 240000 7597500 1260000
    2047 65 0 8796000 11796000 240000 8051400 1260000
    2048 66 0 9267000 12267000 240000 8505300 1260000
    2049 67 0 9798000 12798000 240000 9019200 1260000
    2050 68 0 10329000 13329000 240000 9533100 1260000
    2051 69 0 10860000 13860000 240000 10047000 1260000
    2052 70 0 11601000 14601000 240000 10770900 1260000
    2053 71 0 12372000 12372000 240000 11524800 1260000
    2054 72 0 13293000 13293000 240000 12428700 1260000
    2055 73 0 14214000 14214000 240000 13332600 1260000
    2056 74 0 15135000 15135000 240000 14236500 1260000
    2057 75 0 16056000 16056000 240000 15140400 1260000
    2058 76 0 16977000 16977000 240000 16044300 1260000
    2059 77 0 17898000 17898000 240000 16948200 1260000
    2060 78 0 18819000 18819000 240000 17852100 1260000
    2061 79 0 19740000 19740000 240000 18756000 1260000
    2062 80 0 20661000 20661000 240000 19659900 1260000
    2063 81 0 20832000 20832000 240000 19813800 1260000
    2064 82 0 21003000 21003000 240000 19967700 1260000
    2065 83 0 21174000 21174000 240000 20121600 1260000
    2066 84 0 21345000 21345000 240000 20275500 1260000
    2067 85 0 21516000 21516000 240000 20429400 1260000
    2068 86 0 21687000 21687000 240000 20583300 1260000
    2069 87 0 21858000 21858000 240000 20737200 1260000
    2070 88 0 22029000 22029000 240000 20891100 1260000
    2071 89 0 22200000 22200000 240000 21045000 1260000
    2072 90 0 22371000 22371000 240000 21198900 1260000
    2073 91 0 22542000 22542000 240000 21352800 1260000
    2074 92 0 22713000 22713000 240000 21506700 1260000
    2075 93 0 22884000 22884000 240000 21660600 1260000
    2076 94 0 23055000 23055000 240000 21814500 1260000
    2077 95 0 23226000 23226000 240000 21968400 1260000
    2078 96 0 23397000 23397000 240000 22122300 1260000
    2079 97 0 23568000 23568000 240000 22276200 1260000
    2080 98 0 23739000 23739000 240000 22430100 1260000
    2081 99 0 23910000 23910000 240000 22584000 1260000
    2082 100 0 0 0 23910000 0 0
    0 0 3600879 0 0 34710000 0 0
    You have to pay the premium for 15 yrs
    (from Age:40 - Age:54)

    If you take the payment mode as yly then you have to pay Rs.244981 for
    the first year,from 2nd year onwards Rs.239707

    Totally you will pay Rs.3600879

    From Age:55-99 you will receive Rs.240000

    Natural Risk Cover is as shown in the above table under Natural


    column.....For example In case of Natural Death at Age-45, Nominee will
    receive Rs.4026000

    Accidental Risk cover is as shown in the above table under Accidental


    column.....For example In case of Accidental Death at Age-45, Nominee
    will receive Rs.7026000

    At age 100 you will receive Rs.23910000

    If you close the policy you will receive the amount as shown in the above
    table under CashValue Column.....For example
    if you close at Age-60, you will receive Rs.6141900
    if you close at Age-70, you will receive Rs.10770900
    if you close at Age-80, you will receive Rs.19659900

    You can take the loan as shown in the above table under Loan
    Column.....For example
    at Age-54, you can take a loan of Rs.3505949
    at Age-75, you can take a loan of Rs.1260000

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