Statutory warning:
“Some benefits are guaranteed and some benefits are variable with returns based on the future performance of your insurer carrying on the life insurance business.  If your policy offers guaranteed returns then these will be clearly marked “guaranteed” in the illustration table on this page.  If your policy offers variable returns then the illustrations on this page will show two different rates of assumed future investment returns.  These assumed rates of return are not guaranteed and they are not upper or lower limits of what you might get back as the value of your policy is dependent on a number of factors including future investment performance.”

Illustration 1 (Table 136)
Age ate entry: 35 years
Age of dependant: 5 years
Premium paying term: 1 years
Sum Asured: Rs. 1,00,000/-
Annual premium: Rs. 36,645/-

Age ate entry: 35 years
Age of dependant: 5 years
Premium paying term: 15 years
Sum Asured: Rs. 1,00,000/-
Annual premium: Rs. 4,008/-

End of year	Total premiums paid till end of year	Benefit payable on death / maturity at the end of year
		Guaranteed	Variable		Total
			Scenario 1	Scenario 2	Scenario 1	Scenario 2
1	4008	100000	-	-	100000	100000
2	8016	106000	-	-	106000	106000
3	12024	112000	-	-	112000	112000
4	16032	118000	-	-	118000	118000
5	20040	124000	-	-	124000	124000
6	24048	130000	-	-	130000	130000
7	28056	136000	-	-	136000	136000
8	32064	142000	-	-	142000	142000
9	36072	148000	-	-	148000	148000
10	40080	154000	-	-	154000	154000
15	60120	184000	-	1000	184000	184000
20	80160	214000	-	10000	214000	224000
30	120240	280000	-	31000	280000	311000

* 20% of the amount shall be paid in a lump sum and the balance 80% shall be utilized to pay an annuity on the life of handicapped dependant.

(i) This illustration is applicable to a non-smoker male/female standard (from medical, life style and occupation point of view) life.

(ii) The non-guaranteed benefits (1) and (2) in above illustration are calculated so that they are consistent with the Projected Investment Rate of Return assumption of 6% p.a.(Scenario 1) and 10% p.a. (Scenario 2) respectively. In other words, in preparing this benefit illustration, it is assumed that the Projected Investment Rate of Return that LICI will be able to earn throughout the term of the policy will be 6% p.a. or 10% p.a., as the case may be. The Projected Investment Rate of Return is not guaranteed.

(iii) The main objective of the illustration is that the client is able to appreciate the features of the product and the flow of benefits in different circumstances with some level of quantification.

(iv) The maturity benefit is the amount shown at the end of the policy term.