NEETA BANKIM DOSHI

PresentsAn Analysis Of

L.I.C.’s first ever ULIP Plan with a GUARANTEE

WEALTH PLUS AT-A-GLANCE

It is a close-ended Guaranteed Returns Unit Linked Plan

Available for eligible persons 10 to 65 years of age

Fixed term of 8 years Option to pay single premium or regular

premium for 3 years – Yly, Hly, Qly & Mly (ECS only)

Minimum Premium: 40,000 for Single 20,000 for Regular

Maximum Premium: No Limit

SUM ASSURED OPTIONS

Regular Premium 5 to 10 times of Annual Premium – Upto Age

50 5 times of Annual Premium – Age above 50Single Premium 1.25 to 5 times of SP – Upto Age 40 1.25 to 2.5 times of SP – Age 41 to 50 1.25 of SP – Age above 50Sum Assured will be in multiples of Rs.5000

ADDITIONAL FEATURES & RIDERS

Accident Benefit Rider for 18 to 62 years aged persons @ Rs.0.50 per 1000 SA

Surrender Facility and Partial Withdrawal option after completion of 3 years policy term

No exit Loads All premiums received during the period of

sale of the product shall be invested in Money Market Instruments

MEGA BENEFIT

Maturity Benefit with Guaranteed NAV

At the end of the policy term, fund value based on the Highest NAV over the first seven years or the NAV applicable at the end of the policy term, whichever is higher is payable

ILLUSTRATION WITH BIMA PLUS EXPERIENCE

If a 40 year old person has invested Rs. 50000 under Risk

Fund in Bima Plus at an NAV of Rs.10 at the time of launch of

Bima Plus i.e on 1-2-2001

His Fund Value after 8 years i.e on 1-2-2009 at an NAV of

Rs.32.05 is Rs.1,42,737/-

His Fund Value at the highest NAV (Rs.50.35) recorded

during the first Seven Years of the Policy i.e on 4-1-2008 is

Rs.2,24,261/-

Under the provisions of Guaranteed NAV as under Wealth

Plus the policyholder stands to gain Rs.81,524/- (i.e 57%

more than that of Bima Plus Plan Provisions)

DEATH BENEFIT

Death of the policy holder during the Policy Term when the cover is in full force:

Both Sum Assured and the fund value shall be paid to the nominee

EXTENDED BENEFIT

Even after the completion of Policy Term and the payment of Maturity value to the policyholders, Insurance coverage for the Basic Sum Assured is continued for another 2 years on the life of Policyholder i.e Basic SA is paid again on the happening of risk during the 2 years

CHARGES

Allocation Charge - 3 Years PPT:

Premium Band Charge

Upto 4,00,000 5.00 %

Above 4,00,000 4.50 %

Premium Band 1st Year 2nd/3rd

20,000 to 2,00,000

12.00 %

2.50 %

2,00,001 to 4,00,000

11.75 %

2.50 %

4,00,001 to 7,00,000

11.50 %

2.50 %

Above 7,00,000 11.25 %

2.50 %

Allocation Charge - Single Premium:

Other Charges1. Level Mortality

Charge as per age at entry

2. FMC @ 1%

3. Policy Admin – @ 60 pm in year 1@ 25 pm in year 2 & 3 with 3 % increase each year thereafter

4. Guarantee Charge – 0.35 % of Fund value

OTHER PLAYERS WITH SIMILAR PRODUCT

Tata-AIG – Life InvestAssure Apex Plus ICICI Prudential Pinnacle SBI Life – Smart ULIP Bajaj Allianz – Max Gain Aegon Religare Wealth Protect Reliance Life Money Guarantee Term 10 Kotak Safe Investment Plan II

TATA-AIG – LIFE INVESTASSURE APEX PLUS 10 years ULIP with 3 years PPT Guaranteed Maturity Unit Price (GMUP) - highest Unit

Price of the Fund recorded on the 10th day of every month

Guaranteed Maturity Addition of 3% of Regular Premium Fund Value on maturity

Partial Withdrawals facility Age limits – 18 to 65 years Sum Assured Options -5 to 25 times (upto age 50) Riders – Accident & Critical Illness Death Benefit – Higher of Sum Assured or Fund Value

TATA-AIG – LIFE INVESTASSURE APEX PLUS

Allocation Charges – 14% - 1st Year 4 % - 2nd / 3rd Year

FMC – 1.2 % Mly Policy Admin – 0.500% - 1 – 3 years

0.060% - 4 year onwards Surrender Charge – Nil only after 5 years

Charges

ICICI PRUDENTIAL PINNACLE 10 years ULIP with 3 years PPT Guaranteed Highest NAV of 7 years or NAV at maturity

whichever is higher Maturity Addition of 3% of Normal Fund Value Partial Withdrawals facility – 1 per year from 6th year

subject to limit of 20% of fund value Age limits – 8 to 65 years Sum Assured Options -5 to 25 times (upto age 50) Riders – Accident Death Benefit – Higher of Sum Assured or Fund Value

ICICI PRUDENTIAL PINNACLE

Allocation Charges – 14% - 1st Year 4 % - 2nd Year 2 % - 3rd Year

FMC – 1.35 % + 0.1 %for guarantee

Mly Policy Admin – 0.600% - 1 – 3 years only

Surrender Charge – Nil only after 4 years

Charges

BAJAJ ALLIANZ MAX GAIN 10 years ULIP with 7 years PPT Guaranteed Highest NAV of the entire term Guaranteed Maturity Addition: upto 350% of

the total allocation charges levied Partial Withdrawals facility Age limits – 8 to 60 years Sum Assured Options -5 times Riders – Accident Death Benefit – Higher of Sum Assured or

Fund Value

BAJAJ ALLIANZ MAX GAIN

Allocation Charges – 20% - 1st Year 6 % - 2nd & 3rd YearTop-Up - 2 %

FMC – 1.25 % + 0.25 %for guarantee

Policy Admin – 1.26% of the Sum Assured

Surrender Charge – Nil

Charges

KEY FEATURE COMPARISONLIC Wealth Plus Tata AIG Apex

PlusICICI Pinnacle Bajaj Max Gain

Allocation Charge

12% - 1st Year

2.5% - 2nd/3rd Yr

14% - 1st Year

4% - 2nd/3rd Yr

14% - 1st Year

4% - 2nd Year

2% - 3rd Year

20% - 1st Year

6% - 2nd/3rd Yr

FMC 1% of Fund Value

1.2% of Fund Value

1.35% of Fund Value

1.25% of Fund Value

Policy Admin Charges

Rs.60 pm– 1st Yr

Rs.25 pm- 2nd Yr

0.5% of Pr. 1-3 Yr

0.06% - from Yr 4

0.6% of Premium

1.26% of Sum Assured

Maturity After 8 years 10 years 10 years 10 years

Risk Cover after maturity

2 years Nil Nil Nil

Death Cover Sum Assured + Fund value

Higher of S.A.& Fund Value

Higher of S.A.& Fund Value

Higher of S.A.& Fund Value

LIC EDGE IN THE MARKET

Of 169 companies listed in BSE since 2007 only 49 are trading in green and the rest 120 in red whereas all the ULIPs launched by LIC during the period have shown considerable appreciation

LIC being the largest investor in Indian Markets and with an investment spectrum spanning all the BSE-30 companies provides the best expertise to its investors

LIC EDGE IN THE MARKET

Date Sensex Bima Plus Balanced

Jeevan Plus Growth

08/01/2008

20873 32.1201 18.639

04/06/2008

15514 (26%) 28.8518 (10%)

16.0862 (14%)

27/10/2008

8509 (45%) 23.8517 (17%)

12.8542 (20%)

03/03/2009

8427 (1%) 24.733 (4%) 13.4961 (5%)

17/10/2009

17326 (106%) 33.4082 (35%)

19.6482 (46%)

Overall (17%) (4%) (5%)

Showcase LIC ULIP’s stability in volatile markets:

LIC Edge in the Market

FOR MORE DETAILS & A PERSONAL APPOINTMENT CALL ME AT 9821014796