*----Jeevan Nidhi (Illustrations)....

Illustration 1:

Age at entry: 35 years

Policy Term: 25 years

Premium paying term: 25 years

Sum Assured (Rs.): 100000

Yearly Premium (Rs.): 4121
End of year
Total premiums paid till end of year
Benefit payable on death / Amount available on survival up to the date of vesting for purchase of annuity
Guaranteed
Variable
Total
Scenario 1
Scenario 2
Scenario 1
Scenario 2
1
4,121
1,00,000
0
0
100000
100000
2
8,242
1,05,000
0
0
105000
105000
3
12,363
1,10,000
0
0
110000
110000
4
16,484
1,15,000
0
0
115000
115000
5
20,605
1,20,000
0
0
120000
120000
6
24,726
1,25,000
2300
7300
127300
132300
7
28,847
1,25,000
4600
14600
129600
139600
8
32,968
1,25,000
6900
21900
131900
146900
9
37,089
1,25,000
9200
29200
134200
154200
10
41,210
1,25,000
11500
36500
136500
136500
15
61,815
1,25,000
23000
73000
148000
198000
20
82,420
1,25,000
48500
157500
173500
282500
25
1,03,025
1,25,000
63500
206000
188500
331000