Jeevan Utsav

( Plan No: 871)

Mr. qbc
Age: 8

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Sum Assured : 1000000 Premium Waiver Benefit Rider : 1000000

Premium Payment : 16 years.

Deferment Period : 3 years.

LIC's Jeevan Utsav, is a versatile life insurance policy offering lifelong income and
risk cover, with flexible premium payment terms from 5 to 16 years. It features
Guaranteed Additions and allows policyholders to select between Regular and Flexi
Income Benefits post-premium payment term, ensuring financial flexibility and
security.

The plan provides a robust life cover, with the death benefit comprising the higher of
the Basic Sum Assured or 7 times the annualized premium, also ensuring it's at
least 105% of all paid premiums. Policyholders can also enhance their coverage
with optional riders and avail loans for additional liquidity.

When opting for the Flexi Income Benefit, the policyholder is entitled to receive
compounded interest at 5.5% on the remaining amount with LIC. Thus LIC's Jeevan
Utsav is an attractive option for those seeking a balanced combination of savings,
security, and income continuity in their insurance portfolio.
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 Benefit Pattern Illustration

(1040000 to 1640000)

When needed

Rs.62822

Age: 8 Age: 24 Age: 27 Age: 100

Rs. 1,00,000

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Test Message
Benefits Amount
Sum Assured 10,00,000
Guaranteed Additions (40000 X 16) 6,40,000
Life Long Income(10% of SA) 1,00,000
Deferment period 3 years
Income Starting After
(Age 27) 19 years
Total premium paid: 9,84,872
Guaranteed additions at the rate of 40 per 1000 sum assured shall be available during the premium paying period
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Age Yearly Normal Accident Returns Option Loan Cash Value
Premium Coverage Coverage 1
8 62822 1040000 1040000 0 0 0
9 61470 1080000 1080000 0 26865 35820
10 61470 1120000 1120000 0 48814 65085
11 61470 1160000 1160000 0 93186 124248
12 61470 1200000 1200000 0 118028 157370
13 61470 1240000 1240000 0 160469 213958
14 61470 1280000 1280000 0 214012 285349
15 61470 1320000 1320000 0 275213 366950
16 61470 1360000 1360000 0 344069 458759
17 61470 1400000 1400000 0 420660 560880
18 61470 1440000 1440000 0 481414 641885
19 61470 1480000 1480000 0 545936 727914
20 61470 1520000 1520000 0 614615 819487
21 61470 1560000 1560000 0 687724 916965
22 61470 1600000 1600000 0 765675 1020900
23 61470 1640000 1640000 0 848576 1131435
24 0 1640000 1640000 0 901835 1202447
25 0 1640000 1640000 0 958662 1278216
26 0 1640000 1640000 0 959646 1279528
27 0 1640000 1640000 100000 525000 1280840
28 0 1640000 1640000 100000 525000 1282152
29 0 1640000 1640000 100000 525000 1283463
30 0 1640000 1640000 100000 525000 1284776
31 0 1640000 1640000 100000 525000 1286088
32 0 1640000 1640000 100000 525000 1287400
33 0 1640000 1640000 100000 525000 1288712
34 0 1640000 1640000 100000 525000 1290024
35 0 1640000 1640000 100000 525000 1291172
Age Yearly Normal Accident Returns Option Loan Cash Value
Premium Coverage Coverage 1
36 0 1640000 1640000 100000 525000 1292320
37 0 1640000 1640000 100000 525000 1293467
38 0 1640000 1640000 100000 525000 1294452
39 0 1640000 1640000 100000 525000 1295436
40 0 1640000 1640000 100000 525000 1296420
41 0 1640000 1640000 100000 525000 1297240
42 0 1640000 1640000 100000 525000 1297896
43 0 1640000 1640000 100000 525000 1298551
44 0 1640000 1640000 100000 525000 1299208
45 0 1640000 1640000 100000 525000 1299700
46 0 1640000 1640000 100000 525000 1300028
47 0 1640000 1640000 100000 525000 1300356
48 0 1640000 1640000 100000 525000 1300684
49 0 1640000 1640000 100000 525000 1300848
50 0 1640000 1640000 100000 525000 1301012
51 0 1640000 1640000 100000 525000 1301176
52 0 1640000 1640000 100000 525000 1301339
53 0 1640000 1640000 100000 525000 1301504
54 0 1640000 1640000 100000 525000 1301667
55 0 1640000 1640000 100000 525000 1301831
56 0 1640000 1640000 100000 525000 1301996
57 0 1640000 1640000 100000 525000 1302160
58 0 1640000 1640000 100000 525000 1302324
59 0 1640000 1640000 100000 525000 1302488
60 0 1640000 1640000 100000 525000 1302652
61 0 1640000 1640000 100000 525000 1302816
62 0 1640000 1640000 100000 525000 1302980
63 0 1640000 1640000 100000 525000 1303143
64 0 1640000 1640000 100000 525000 1303308
65 0 1640000 1640000 100000 525000 1303471
66 0 1640000 1640000 100000 525000 1303636
67 0 1640000 1640000 100000 525000 1303800
68 0 1640000 1640000 100000 525000 1303964
69 0 1640000 1640000 100000 525000 1304128
70 0 1640000 1640000 100000 525000 1304292
71 0 1640000 1640000 100000 525000 1304456
72 0 1640000 1640000 100000 525000 1304620
73 0 1640000 1640000 100000 525000 1304784
74 0 1640000 1640000 100000 525000 1304947
75 0 1640000 1640000 100000 525000 1305112
76 0 1640000 1640000 100000 525000 1305276
77 0 1640000 1640000 100000 525000 1305440
78 0 1640000 1640000 100000 525000 1305604
79 0 1640000 1640000 100000 525000 1305768
80 0 1640000 1640000 100000 525000 1305931
81 0 1640000 1640000 100000 525000 1306096
 Age Yearly Normal Accident Returns Option Loan Cash Value
Premium Coverage Coverage 1
82 0 1640000 1640000 100000 525000 1306260
83 0 1640000 1640000 100000 525000 1306424
84 0 1640000 1640000 100000 525000 1306588
85 0 1640000 1640000 100000 525000 1306751
86 0 1640000 1640000 100000 525000 1306916
87 0 1640000 1640000 100000 525000 1307080
88 0 1640000 1640000 100000 525000 1307244
89 0 1640000 1640000 100000 525000 1307408
90 0 1640000 1640000 100000 525000 1307572
91 0 1640000 1640000 100000 525000 1307735
92 0 1640000 1640000 100000 525000 1307900
93 0 1640000 1640000 100000 525000 1308063
94 0 1640000 1640000 100000 525000 1308228
95 0 1640000 1640000 100000 525000 1308392
96 0 1640000 1640000 100000 525000 1308556
97 0 1640000 1640000 100000 525000 1308720
98 0 1640000 1640000 100000 525000 1308884
99 0 1640000 1640000 100000 525000 1309048
100 0 1640000 1640000 100000 525000 1309212
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Age Yearly Normal Accident Annual Accum: Drawable Withdrawal After Cash Value
Premium Cover Cover Returns Amount amount Amount Withdrawal
8 62822 1040000 1040000 0 0 0 0 0 0
9 61470 1080000 1080000 0 0 0 0 0 35820
10 61470 1120000 1120000 0 0 0 0 0 65085
11 61470 1160000 1160000 0 0 0 0 0 124248
12 61470 1200000 1200000 0 0 0 0 0 157370
13 61470 1240000 1240000 0 0 0 0 0 213958
14 61470 1280000 1280000 0 0 0 0 0 285349
15 61470 1320000 1320000 0 0 0 0 0 366950
16 61470 1360000 1360000 0 0 0 0 0 458759
17 61470 1400000 1400000 0 0 0 0 0 560880
18 61470 1440000 1440000 0 0 0 0 0 641885
19 61470 1480000 1480000 0 0 0 0 0 727914
20 61470 1520000 1520000 0 0 0 0 0 819487
21 61470 1560000 1560000 0 0 0 0 0 916965
22 61470 1600000 1600000 0 0 0 0 0 1020900
23 61470 1640000 1640000 0 0 0 0 0 1131435
24 0 1640000 1640000 0 0 0 0 0 1202447
25 0 1640000 1640000 0 0 0 0 0 1278216
26 0 1640000 1640000 0 0 0 0 0 1279528
27 0 1640000 1640000 100000 100000 75000 0 100000 1380840
28 0 1640000 1640000 100000 205500 154125 0 205500 1487652
29 0 1640000 1640000 100000 316803 237602 0 316803 1600266
30 0 1640000 1640000 100000 434227 325670 0 434227 1719003
31 0 1640000 1640000 100000 558109 418581 0 558109 1844197
32 0 1640000 1640000 100000 688805 516603 0 688805 1976205
33 0 1640000 1640000 100000 826689 620016 0 826689 2115401
Age Yearly Normal Accident Annual Accum: Drawable Withdrawal After Cash Value
Premium Cover Cover Returns Amount amount Amount Withdrawal
34 0 1640000 1640000 100000 972157 729117 0 972157 2262181
35 0 1640000 1640000 100000 1125626 844219 25 1125601 2416773
36 0 1640000 1640000 100000 1287535 965631 25 1287484 2579804
37 0 1640000 1640000 100000 1458349 1093722 25 1458271 2751738
38 0 1640000 1640000 100000 1638558 1228857 25 1638451 2932903
39 0 1640000 1640000 100000 1828679 1371424 25 1828541 3123977
40 0 1640000 1640000 100000 2029256 1521833 25 2029086 3325506
41 0 1640000 1640000 100000 2240865 1680514 25 2240661 3537901
42 0 1640000 1640000 100000 2464113 1847922 25 2463872 3761768
43 0 1640000 1640000 100000 2699639 2024538 25 2699360 3997911
44 0 1640000 1640000 100000 2948119 2210868 25 2947800 4247008
45 0 1640000 1640000 100000 3210266 2407446 25 3209904 4509604
46 0 1640000 1640000 100000 3486831 2614836 25 3486424 4786452
47 0 1640000 1640000 100000 3778607 2833632 25 3778152 5078508
48 0 1640000 1640000 100000 4086430 3064462 25 4085925 5386609
49 0 1640000 1640000 100000 4411184 3307988 25 4410626 5711474
50 0 1640000 1640000 100000 4753799 3564907 25 4753185 6054197
51 0 1640000 1640000 100000 5115258 3835957 25 5114585 6415761
52 0 1640000 1640000 100000 5496597 4121915 25 5495862 6797201
53 0 1640000 1640000 100000 5898910 4423600 25 5898109 7199613
54 0 1640000 1640000 100000 6323350 4741878 25 6322480 7624147
55 0 1640000 1640000 100000 6771134 5077662 25 6770191 8072022
56 0 1640000 1640000 100000 7243546 5431914 25 7242527 8544523
57 0 1640000 1640000 100000 7741941 5805649 25 7740841 9043001
58 0 1640000 1640000 100000 8267748 6199940 25 8266562 9568886
59 0 1640000 1640000 100000 8822474 6615917 25 8821198 10123686
60 0 1640000 1640000 100000 9407710 7054773 25 9406339 10708991
61 0 1640000 1640000 100000 10025134 7517766 25 10023663 11326479
62 0 1640000 1640000 100000 10676516 8006223 25 10674939 11977919
63 0 1640000 1640000 100000 11363724 8521545 25 11362036 12665179
64 0 1640000 1640000 100000 12088729 9065211 25 12086923 13390231
65 0 1640000 1640000 100000 12853609 9638778 25 12851679 14155150
66 0 1640000 1640000 100000 13660557 10243890 25 13658496 14962132
67 0 1640000 1640000 100000 14511888 10882284 25 14509688 15813488
68 0 1640000 1640000 100000 15410042 11555790 25 15407696 16711660
69 0 1640000 1640000 100000 16357594 12266339 25 16355094 17659222
70 0 1640000 1640000 100000 17357262 13015968 25 17354599 18658891
71 0 1640000 1640000 100000 18411911 13806826 25 18409077 19713533
72 0 1640000 1640000 100000 19524566 14641182 25 19521551 20826171
73 0 1640000 1640000 100000 20698417 15521427 25 20695211 21999995
74 0 1640000 1640000 100000 21936830 16450086 25 21933423 23238370
75 0 1640000 1640000 100000 23243356 17429820 25 23239736 24544848
76 0 1640000 1640000 100000 24621741 18463440 25 24617896 25923172
77 0 1640000 1640000 100000 26075937 19553910 25 26071855 27377295
78 0 1640000 1640000 100000 27610114 20704355 25 27605782 28911386
79 0 1640000 1640000 100000 29228670 21918075 25 29224075 30529843
80 0 1640000 1640000 100000 30936247 23198549 25 30931374 32237305
81 0 1640000 1640000 100000 32737741 24549450 25 32732575 34038671
82 0 1640000 1640000 100000 34638317 25974650 25 34632842 35939102
83 0 1640000 1640000 100000 36643424 27478236 25 36637623 37944047
84 0 1640000 1640000 100000 38758812 29064519 25 38752667 40059255
85 0 1640000 1640000 100000 40990547 30738048 25 40984039 42290790
86 0 1640000 1640000 100000 43345027 32503620 25 43338136 44645052
87 0 1640000 1640000 100000 45829003 34366299 25 45821708 47128788
88 0 1640000 1640000 100000 48449598 36331426 25 48441877 49749121
89 0 1640000 1640000 100000 51214326 38404635 25 51206155 52513563
90 0 1640000 1640000 100000 54131114 40591870 25 54122469 55430041
Age Yearly Normal Accident Annual Accum: Drawable Withdrawal After Cash Value
Premium Cover Cover Returns Amount amount Amount Withdrawal
91 0 1640000 1640000 100000 57208325 42899403 25 57199180 58506915
92 0 1640000 1640000 100000 60454783 45333851 25 60445110 61753010
93 0 1640000 1640000 100000 63879796 47902193 25 63869566 65177629
94 0 1640000 1640000 100000 67493185 50611794 25 67482367 68790595
95 0 1640000 1640000 100000 71305310 53470422 25 71293872 72602264
96 0 1640000 1640000 100000 75327102 56486276 25 75315010 76623566
97 0 1640000 1640000 100000 79570093 59668002 25 79557311 80866031
98 0 1640000 1640000 100000 84046448 63024722 25 84032938 85341822
99 0 1640000 1640000 100000 88769003 66566062 25 88754725 90063773
100 0 1640000 1640000 100000 93751298 70302176 25 93736210 95045422
 Premium Chart

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First Year Premium Subsequent Year Premiums
Mode Basic GST @ Total Mode Basic GST @ Total
Premium 4.5% Premium Premium 2.25% Premium
Yearly 60117 2705 62822 Yearly 60117 1353 61470
Half 30605 1377 31982 Half 30605 689 31294
Yearly Yearly
Quarterly 15422 694 16116 Quarterly 15422 347 15769
Monthly 5179 233 5412 Monthly 5179 117 5296
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Plan presentation prepared by:

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Shishu Ranjan
Asst Branch Manager
jJabalpur, Jabalpur
E-Mail : [email protected]
Mobile : 7011956310

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