action month kit
DESCRIPTION
Insurance premium calculatorTRANSCRIPT
Ready Reckoners
1. Health Insurance Family Floater
2. Health Insurance Individual Policies
3. Life Insurance (Term Plans)
4. Mutual Funds
5. Goal Planner (for SIP)
6. Life Insurance Calculator
7. Calculate Returns from Policies
8. Steps for Actions
Made for JagoInvestor Action Month Participants
www.jagoinvestor.com
Ready Reckoners
Supporters1. Health Insurance Family Floater
2. Health Insurance Individual Policies
3. Life Insurance (Term Plans) FundsIndia.com
4. Mutual Funds Moneysights.com
5. Goal Planner (for SIP) Medimanage.com
6. Life Insurance Calculator Mprofit.in
7. Calculate Returns from Policies Investplus.in
8. Steps for Actions
Made for JagoInvestor Action Month Participants
www.jagoinvestor.com
Family Floater Health Insurance Premium Reckoner
Insurance Cover family floater 3 lakh 5 lakh 3 lakh 5 lakh 3 lakh
Apollo Munich Easy Health Standard 5170 8075 3681 9786 6370
Apollo Munich Easy Health Exclusive 6167 9286 7339 11255 7760
Apollo Munich Easy health Premium NA 11607 NA 14068 NAApollo Munich Maxima 21106 NA 21106 NABajaj Allianz Helath Guard Family 7329 10135 10035 18543 8552
Bharti AXA Amart Health Premium 4172 NA 5350 NA 5448
bharti AXA smart heatlh optimum NA 8835 NA 15709
cholamandalam family health insurance 7272 10177 8256 11445 8458
future generali health suraksha basic 4718 7861 5460 8508 5504
future generali health suraksha gold 5898 9576 6825 10635 8881
future Generali heath suraksha silver 5308 8618 6143 9572 6193
HDFC egro health suraksha 5480 NA 6595 NA 7077
ICICI Lombard Family floater health 4570 NA 5519 NA 5920
ICICI Lombard health advantage plus family 15000 NA 15000 NAifco tokyo basic plan 3498 5230 4387 6560 4067
ifco tokyo wide plan 4506 6739 5823 8907 5311
Max Buppa healtbeat silver plan 8413 NA 11218 NA 9530
Max Buppa Heartbeat gold plan NA 15352 NA 21009
Oriental insurance happy family floater silver 4611 6883 5504 8217 5305
oriental insurance happy family floater gold NA NA NA NA NAreliance healthwise policy standard 5915 9866 8212 13317 7074
reliance healthwise policy silver 7232 13762 11446 18593 9853
reliance healthwise policy gold 12285 20582 17108 27828 14717
royal sundaram family floater 5387 7735 7764 11064 7356
star health family otima 4395 6530 4809 7197 4822
star health medi classic 3750 NA NA NA 4219
Tata Aig wedding gift 11366 15398 NA NA 11820
tata aig wellsurance supreme plan 9557 NA 15903 NA NA
Premium for 2 adults, oldest member 35 yrs
Premium for 2 adults, oldest member 40 yrs
Premium for 2 adults plus 1 child, eldest
member 35 yrs
Family Floater Health Insurance Premium Reckoner
5 lakh 3 lakh 5 lakh 3 lakh 5 lakh 3 lakh 5 lakh
10308 7412 11580 8107 11580 9265 13247
11854 8524 13318 9323 13318 10855 15234
14817 NA 16647 NA 16647 19042NA NA NA 28468 NA 28468 NA11883 11707 18484 9773 13580 13379 21125NA 8764 NA 6558 na 7844 na12143 NA 19054 NA 14851 NA 21489
11836 9601 13312 9643 13496 11463 15883
8938 6370 9926 6291 10214 7290 11344
11172 7963 12408 7864 12768 9100 14180
10055 7166 11167 7078 11490 8190 12762NA 7192 NA 8675 NA 9790 NANA 6869 NA 7270 NA 8219 NANA NA NA NA NA NA NA8067 5061 7569 4816 8904 6736 8578
7943 6792 10159 6115 9146 7763 11810NA 13012 NA 10664 NA 14326 NA17156 NA 24103 NA 19412 NA 26416
7920 6199 9254 6000 8956 6894 10291NA NA NA NA NA NA NA11814 9667 15955 8324 13919 11385 19121
18490 13484 22286 11604 19436 15889 36719
24673 20164 33368 17344 29092 23772 40017
10598 9733 13928 8325 13462 11701 16791
6999 5327 7771 4754 7593 5636 8468NA NA NA 4500 NA NA NA15960 NA NA NA NA NA NANA NA NA 11570 NA 19250 NA
Made by Jagoinvestor.com
Premium for 2 adults plus 1 child, eldest
member 35 yrs
Premium for 2 adults plus 1 child, eldest
member 40 yrs
Premium for 2 adults plus 2 child, eldest
member 35 yrs
Premium for 2 adults plus 2 child, eldest
member 40yrs
Individual Health Insurance Premium ReckonerName of insurance policy individual Premium in rs. For25 yr old male premium in rs. For 35 yr old male
1 lakh 2 lakh 3 lakh 5lakh 1 lakhApollo munich easy health standard 1751 2791 3807 5907 1751apollo munich easy health exclusive NA NA 4517 6775 NAapollo munich easy health premium NA NA NA 8470 NAapollo munich insure health 1171 1758 NA NA 1171apollo munich maxima NA NA 15216 NA NAbajaj allianz health ensure 1206 NA NA NA 1398bajaj allianz individual health guard 1645 2579 3647 5784 1924bharti aza basic plan NA 2247 NA NAbharti axa optimum plan NA NA NA 5644 NAbharti axa premium plan NA NA 3138 NAchola MS individual health insurance 1872 3284 4595 6926 1872future generali health suraksha basic 1238 2034 2904 4886 1467future generali health suraksha silver 1384 2290 3165 5217 1652future generali health suraksha gold 1549 2544 3505 5857 1835future generali health suraksha platimum NA NA NA NA NAHDFC Ergo healthsuraksha individual NA 3158 3653 NA NAICICI Lombard health advantage plus NA 15000 15000 NA NAicici lombard family floater-single adult NA 2644 3046 NA NAifco tokyo individual medishield 1716 2503 3492 5223 2203max buppa silver plan NA 3373 4169 NA NAmax buppa gold plan NA NA NA 7154 NAnew india assurance individual mediclaim 1401 2791 3894 5824 1401national insurance individual mediclaim 1157 2178 3039 4544 1519oriental insurance individual mediclaim 1445 2723 3799 5681 1445reliance general healthwise standard NA 2840 3998 6648 NAreliance general healthwise gold NA 5934 8366 13925 NAreliance general healthwise silver NA 3965 5587 9293 NAroyal sundram health shied online 1151 1850 2776 4038 1861star health medi classic 1324 2593 3640 5405 1324star health gain insurance 14725 14725 14725 14725 14725star unique insurance 8486 8336 11719 NA 7412tata aig wellsurance classic NA NA 2756 NA NAtata aig wellsurance supreme NA NA NA 4436 NA
Individual Health Insurance Premium Reckonerpremium in rs. For 35 yr old male premium in rs. For 45 yr old male
2 lakh 3 lakh 5lakh 1 lakh 2 lakh 3 lakh 5lakh2791 3807 5907 2879 3044 4054 6717NA 4517 6775 NA NA 4864 7946NA NA 8470 NA NA NA 98941758 NA NA 1816 2343 NA NANA 15216 NA NA NA 15216 NAn/a n/a NA 1791 NA NA NA3821 4886 6790 2464 4763 6890 105822247 NA NA NA 3703 NA NANA NA 5644 NA NA NA 10036NA 3138 NA NA 4165 NA3284 4595 6926 2078 3656 5128 75922161 3146 5107 1542 2759 3640 58722430 3539 5746 1734 3104 4096 63812701 3932 6384 1927 3448 4550 7089NA NA NA NA NA NA NA3158 3653 NA NA 3963 4397 NA15000 15000 NA NA 15000 15000 NA2644 3046 NA NA 3312 3679 NA2860 3990 5968 2709 3459 4812 71973891 4973 NA NA 5250 6948 NANA NA 8334 NA NA NA 118632791 3894 5824 2090 3943 5498 82232859 3988 5965 2043 3847 5637 80272723 3799 5681 1728 3255 4542 67923392 4715 7693 NA 4715 6304 102307032 9811 16065 NA 9811 13147 213934715 6568 10738 NA 6568 8792 142892947 4420 6871 2182 3746 5681 87342593 3640 5405 1489 2868 4026 595614725 14725 14725 14725 14725 14725 1472510854 15221 NA 11118 16280 22071 NANA 5039 NA NA NA 9290 NANA NA 8214 NA NA NA 15237
Made by Jagoinvestor.com
Life Insurance Premium Reckoner
Name of the company25 year old non smoker policy term 30 yrs
10 lac 25 lac 50 lac 1 craegon Religare I term plan NA NA NA NAaegon religare level term plan 2272 4964 9927 19854aviva life NA 3134 4048 7096aviva life shield plus NA 5074 9872 19192aviva life shield platinum plan NA NA 6011 12107bajaj allianz new risk care II 2967 6177 11113 20985bharti axa life elite secure NA NA NA NAbharti axa life secure confident NA NA NA NAbirla sunlife protector 2637 4820 NA NAbirla sunlife protector-plus NA NA 7500 13457canara hsbc pure term plan 3419 6066 10478 19302future generali smart life NA 3667 NA NAhdfc standard lfie term assurance plan 2827 6794 11093 19689icici prudential iprotect NA 3695 6570 9706idbi federal termsurane 2652 5233 10465 20929india first lfie plan 2438 4550 8769 17538ing term life 3066 6815 13287 26535kotal term plan NA NA NA NAkotak preferred term plan NA 3778 6563 12133kotak e-term plan NA NA NA NAkotak e-preferred term plan NA 3226 5460 9927lic anmol jeevan NA NA NA NAlic amulya jeevan NA 6525 13050 26100max new york life platinnum protect NA 5046 9565 18530metlife met protect NA 3171 5294 9596reliance term plan 3228 7243 13934 27317sahara kavach NA NA NA NAsbi life smart shield NA NA 8135 13512sbi life saral shield 2718 NA NA NAstar union dai-chi pure term assurance plan NA NA NA NAstar union dai-chi pure term protection plan NA NA NA NAtata aig life raksha NA NA NA NA
Life Insurance Premium Reckoner35 year old non smoker policy term 20 yrs 45 year old non smoker policy term 10 yrs
10 lac 25 lac 50 lac 1 cr 10 lac 25 lac 50 lac 1 cr2625 6011 7556 14449 4258 10092 12464 242663044 6921 13843 27685 4986 11719 23499 46878NA 4527 5738 10495 NA 9016 10957 20895
2958 7114 13953 27354 4721 11526 22777 45002NA NA 9210 18052 NA NA 16655 32644
3994 9493 15746 30250 6563 15166 29092 56943NA 6646 12188 22832 NA 10022 18916 35406
3849 NA NA NA 6155 NA NA NA3188 8546 NA NA 4059 8072 NA NANA NA 10092 19641 NA NA 14780 27906
4367 8437 15221 28788 5702 11774 21894 42134NA 4908 NA NA NA 7611 NA NA
3579 8875 14196 25237 6273 16409 25306 451012603 5212 7445 13126 4445 9182 13346 237153626 7158 14311 28823 5772 12517 25033 500653199 6536 12685 25369 5262 10865 21233 424663787 8617 16868 33736 5907 13917 27470 549392655 NA NA NA 4647 NA NA NANA 4770 8603 16269 NA 7721 14256 27327
2478 NA NA NA 4005 NA NA NANA 4054 7197 13484 NA 6453 11747 22336
4613 NA NA NA 7247 NA NA NANA 8500 17000 34000 NA 12375 24750 49500NA 6480 12133 24266 NA 12491 24156 48311NA 4247 7280 13457 NA 6811 11912 22170
4359 10071 19591 38631 6659 15820 31088 616265350 13374 26748 NA NA NA NA NANA 5786 10761 18765 NA 8516 15840 28920
3775 NA NA NA 6421 NA NA NA4312 NA NA NA 7104 NA NA NANA 9403 18906 37612 NA 15580 31160 62320
3552 8879 17758 35539 6780 14449 29899 57797
Made by Jagoinvestor.com
Mutual Funds ready Reckoner
Name of Mutual FundsEquity Mutual Funds
HDFC Top 200
DSPBR Opportunities
Franklin India Prima Plus
UTI dividend yield
Birla Sun Frontline Equity
UTI Opportunities
Canara Robeco Equity DiversifiedHDFC Equity
Balanced Mutual Funds
HDFC Balanced
HDFC Prudence
DSPBR Balanced
Canara Robeco Balanced
Midcap & Small Cap Funds
IDFC Premier Equity
HDFC Midcap Opportunities
Reliance Growth
Sundaram Select Midcap
UTI Master Value
Debt Funds
Birla Sun Life Asset Allocation Moderate
ICICI Prudential Advisor-Aggressive
Tata Young Citizens
Liquid Funds
Sahara Liquid Fixed Pricing
HDFC Liquid Funds
Canara Robeco Liquid Super Inst
Goal Planner
Goal Name
Today's Value of your Goal
Target Year
Inflation
Years Left
Future Value
Return expected
Payment Frequency
Increase in investments/year
Amount
2023 -69942024 -151072025 -244742026 -352422027 -475772028 -616602029 -776922030 -958942031 -1165112032 -1398142033 -1660992034 -1956942035 -2289632036 -2663012037 -3081492038 -3549882039 -4073482040 -4658152041 -5310292042 -6036972043 -6845932044 -7745682045 -8745582046 -9855892047 -11087892048 -12453922049 -13967562050 -15643672051 -1749857
2052 -19550132053 -21817962054 -24323522055 -27090332056 -30144162057 -33513232058 -37228432059 -41323582060 -45835692061 -50805262062 -56276632063 -62298252064 -68923172065 -76209372066 -84220262067 -93025152068 -102699812069 -113327062070 -124997392071 -137809692072 -151871972073 -167302242074 -184229382075 -202794132076 -223150172077 -245465302078 -269922692079 -296722302080 -326082342081 -358240972082 -393458062083 -432017152084 -474227572085 -520426762086 -570982772087 -626297012088 -686807262089 -752990852090 -825368262091 -904506932092 -991025442093 ###2094 ###2095 ###2096 ###2097 ###2098 ###2099 ###
2100 ###2101 ###2102 ###2103 ###2104 ###2105 ###2106 ###2107 ###2108 ###2109 ###2110 ###2111 ###2112 ###2113 ###2114 ###2115 ###2116 ###2117 ###2118 ###2119 ###2120 ###2121 ###2122 ###
Goal Planner
Goal Name Child Education
Today's Value of your Goal 60,000
Target Year 2015
Inflation 10.00%
Years Left -8
Future Value 27,990
Return expected 8.00%
Payment Frequency Monthly
Increase in investments/year 8%
Amount -583
-6,994-15,107-24,474-35,242-47,577-61,660-77,692-95,894
-116,511-139,814-166,099-195,694-228,963-266,301-308,149-354,988-407,348-465,815-531,029-603,697-684,593-774,568-874,558-985,589
-1,108,789-1,245,392-1,396,756-1,564,367-1,749,857
Made by
Jagoinvestor.com
-1,955,013-2,181,796-2,432,352-2,709,033-3,014,416-3,351,323-3,722,843-4,132,358-4,583,569-5,080,526-5,627,663-6,229,825-6,892,317-7,620,937-8,422,026-9,302,515
-10,269,981-11,332,706-12,499,739-13,780,969-15,187,197-16,730,224-18,422,938-20,279,413-22,315,017-24,546,530-26,992,269-29,672,230-32,608,234-35,824,097-39,345,806-43,201,715-47,422,757-52,042,676-57,098,277-62,629,701-68,680,726-75,299,085-82,536,826-90,450,693-99,102,544
-108,559,809-118,895,981-130,191,159-142,532,634-156,015,523-170,743,467-186,829,386
-204,396,295-223,578,205-244,521,087-267,383,932-292,339,901-319,577,572-349,302,298-381,737,688-417,127,210-455,735,940-497,852,457-543,790,913-593,893,272-648,531,754-708,111,482-773,073,372-843,897,258-921,105,306
###############
Made by
Jagoinvestor.com
Life Insurance Calculator
Inflation assumed
Your current Life Insurance cover
Your Asset Worth which they can use
Current Liabilities
123456789
1011121314151617181920212223242526
Monthly income you want to provide your family incase you are not around
For how long you want to provide the income (yrs)
Return generated on investing the Insurance amount
Made by
Jagoinvestor.com
272829303132333435363738394041424344454647484950515253545556575859606162636465666768697071727374
75767778798081828384858687888990919293949596979899
100101102103104105106107108109110111112113114115116117118119120121122
123124125126127128129130131132133134135136137138139140141142143144145146147
Life Insurance Calculator
50,000 Total Insurance Requirement
20 + Liabilities
Inflation assumed 7.0% - Current Insurance
10.0% - Assets
Your current Life Insurance cover 3,000,000
Your Asset Worth which they can use 1,000,000 Additional Insurance Required
Current Liabilities 50,0004,545,921
600000642000686940735026786478841531900438963469
103091211030761180291126291113513151445907154712016554191771298189528920279592169917232181124843372658241284431830434203256460
Monthly income you want to provide your family incase you are not around
For how long you want to provide the income (yrs)
Return generated on investing the Insurance amount
3484412372832139893034268554456735348870685229162559520459868686405949685436573341717847563839689289846759613602
1028655411006613117770761260147113483574144274241543734416517958176742151891141020235209216516732316729124789001265242312838092730367592324933233476785637201606398057184259211945573567487637175217717755829579597376506391928568393635731811907830387383785144
8965010495925612
102640404109825233117512999125738909134540633143958477154035570164818060176355324188700197201909211216042856231165855247347465264661788283188113303011281324222071346917616371201849397185978424988997454738226486569902520629795557073881596069053637793886682439458730210221781324936836017681894538919957156644
102415760910958486411172558046125463710913424617071436434026153698440816445733171759693449188287199020146730302155700142
2306599152246806109226408253692825683145302348096532351246323461583357370389419239631667854240588460453742965248550497285194903209555854643359476446846363979811680945839872861204867796148920834187934589258108999550617662
102191608981093450216111699917312
Life Insurance Calculator
Total Insurance Requirement 8,495,921
+ Liabilities 50,000
- Current Insurance 3,000,000
- Assets 1,000,000
Additional Insurance Required
4,545,921