----- Free_Financial & Insurance Advisor -----: November 2008

Thursday, November 27, 2008

###----Insurance Plans.......

As individuals it is inherent to differ.
Each individuals insurance needs and requirements are different from that of the others.
LICs Insurance Plans are policies that talk to you individually and give you the most suitable options that can fit your requirement.

Tuesday, November 25, 2008

NAV's as on date: 25.11.2008 of ULIPS of LICI....

NAV'S AS ON DATE 25.11.2008

BASIC UNIT VALUE
NAV AS ON DATE
REPURCHASE VALUE
SALEVALUE

BIMA PLUS (140)
DATE OF LAUNCH12.02.2001
SECURED FUND
10
22.6762
21.5424
22.6762
BALANCED FUND
10
25.6546
24.3718
25.6546
RISK FUND
10
30.3216
28.8056
30.3216

FUTURE PLUS (172)
DATE OF LAUNCH04.03.2005

BOND FUND
10
12.4583
12.4583
12.4583
INCOME FUND
10
13.6135
13.6135
13.6135
BALANCED FUND
10
13.2813
13.2813
13.2813
GROWTH FUND
10
14.5485
14.5485
14.5485

JEEVAN PLUS (173)
DATE OF LAUNCH18.10.2005

BOND FUND
10
11.5782
11.5782
11.5782
SECURED FUND
10
12.0691
12.0691
12.0691
BALANCED FUND
10
11.4290
11.4290
11.4290
GROWTH FUND
10
13.2322
13.2322
13.2322

MONEY PLUS (180)
DATE OF LAUNCH20.12.2006

BOND FUND
10
11.5657
11.5657
11.5657
SECURED FUND
10
10.4643
10.4643
10.4643
BALANCED FUND
10
9.5797
9.5797
9.5797
GROWTH FUND
10
7.3454
7.3454
7.3454

MARKET PLUS (181)
DATE OF LAUNCH05.07.2006

BOND FUND
10
12.8169
12.8169
12.8169
SECURED FUND
10
10.9417
10.9417
10.9417
BALANCED FUND
10
10.0958
10.0958
10.0958
GROWTH FUND
10
8.9757
8.9757
8.9757

FORTUNE PLUS (187)
DATE OF LAUNCH23.08.2007

BOND FUND
10
11.0070
11.0070
11.0070
SECURED FUND
10
8.9909
8.9909
8.9909
BALANCED FUND
10
8.0916
8.0916
8.0916
GROWTH FUND
10
7.3736
7.3736
7.3736

PROFIT PLUS (188)
DATE OF LAUNCH23.08.2007

BOND FUND
10
10.8588
10.8588
10.8588
SECURED FUND
10
8.2708
8.2708
8.2708
BALANCED FUND
10
8.0121
8.0121
8.0121
GROWTH FUND
10
7.0602
7.0602
7.0602

GRATUITY PLUS
DATE OF LAUNCH22.06.2006

BOND FUND
10
11.2035
11.2035
11.2035
INCOME FUND
10
11.6407
11.6407
11.6407
BALANCED FUND
10
10.3101
10.3101
10.3101
GROWTH FUND
10
10.2338
10.2338
10.2338

HEALTH PLUS (901)
DATE OF LAUNCH04.02.2008

HEALTH PLUS FUND
10
9.0363
9.0363
9.0363

MONEY PLUS - I (193)
DATE OF LAUNCH22.05.2008

BOND FUND
10
10.8693
10.8693
10.8693
SECURED FUND
10
10.1564
10.1564
10.1564
BALANCED FUND
10
9.9930
9.9930
9.9930
GROWTH FUND
10
8.4968
8.4968
8.4968

MARKET PLUS-I (191)
DATE OF LAUNCH17.06.2008

BOND FUND
10
10.3827
10.3827
10.3827
SECURED FUND
10
9.4671
9.4671
9.4671
BALANCED FUND
10
8.9700
8.9700
8.9700
GROWTH FUND
10
8.8645
8.8645
8.8645
CHILD FORTUNEPLUS (194)
DATE OF LAUNCH01.11.2008

BOND FUND
10
10.0312
10.0312
10.0312
SECURED FUND
10
10.0267
10.0267
10.0267
BALANCED FUND
10
10.0275
10.0275
10.0275
GROWTH FUND
10
10.0330
10.0330
10.0330

# Subject to Market risk ; Not guaranteed
# Past performance may not indicate future performance

NAV's as on date: 25.11.2008 of ULIPS of LICI....

###----Income Tax ( I.T.) Provisions for the Financial Year ending 31st March 2009 .......

Income Tax Provisions for the Financial Year ending 31st March 2009 and
Tax Benefits from Life Insurance.
(A) Income Tax Rates for FY 2008-09:

I) For any individual other than referred to in Item no II and III below.

Total Income Range _Upto Rs.1,50,000/-
Tax Rates _Nil
Surcharge _Nil
Education Cess (% of I.T) _Nil
Secondary and Higher Education Cess_Nil

Total Income Range _Rs.1,50,001-Rs. 3,00,000
Tax Rates _10% of the amount by which the total Income exceeds Rs.1,50,000
Surcharge _Nil
Education Cess (% of I.T) _2%
Secondary and Higher Education Cess_1%

Total Income Range _Rs.3,00,001-Rs. 5,00,000
Tax Rates _Rs.15,000 + 20%of amount by which the total Income exceeds Rs.3,00,000
Surcharge _Nil
Education Cess (% of I.T) _2%
Secondary and Higher Education Cess_1%

Total Income Range _Above Rs. 5,00,000
Tax Rates _Rs.55,000 + 30% of amount by which the total Income exceeds Rs.5,00,000
Surcharge _Nil
Education Cess (% of I.T) _2%
Secondary and Higher Education Cess_1%(II) In case of resident women below 65 years of age.

Total Income Range_Upto Rs.1,80,000/-
Tax Rates_Nil
Surcharge_Nil
Education Cess (% of I.T)_Nil
Secondary and Higher Education Cess_Nil

Total Income Range_Rs.1,80,001- Rs. 3,00,000
10% of the amount by which the total Income exceeds Rs. Rs.1,80,000
Nil
2%
1%

Total Income Range_Rs.3,00,001- Rs. 5,00,000
Rs.12,000 + 20% of amount by which the total Income exceeds Rs.3,00,000
Nil
2%
1%

Total Income Range_Above Rs. 5,00,000
Rs.52,000 +30% of amount by which the total Income exceeds Rs.5,00,000
Nil
2%
1%(III) In case of Senior citizens (above 65 years of age)

Total Income Range
Tax Rates
Surcharge
Education Cess (% of I.T)
Secondary and Higher Education Cess
Upto Rs.2,25,000/-
Nil
Nil
Nil
Nil

Rs.2,25,001- Rs. 3,00,000
10% of the amount by which the total Income exceeds Rs. Rs.2,25,000
Nil
2%
1%

Rs.3,00,001- Rs. 5,00,000
Rs.7,500 +20% of amount by which the total Income exceeds Rs.3,00,000
Nil
2%
1%

Above Rs. 5,00,000
Rs.47,500 +30% of amount by which the total Income exceeds Rs.5,00,000
Nil
2%
1%

Surcharge on Income-tax :Will be levied at the rate of 10% where the taxable income exceeds Rs. 10 Lakh.
Education Cess: Will be levied at the rate of two percent on the amount of Income tax and surcharge (if any).
Secondary and Higher Education Cess :An additional surcharge, called the “Secondary and Higher Education Cess at the rate of one percent of income-tax and surcharge (not including the “ Education Cess on Income-tax”) shall be levied in all cases.
(B) Tax Benefits available for various Life Insurance plans.
The aggregate amount of deduction under all the relevant sections viz. section 80C, section 80CCC and section 80CCD shall not, exceedRs.1 Lakh..
1) Deduction from Income for payment of Premium (Sec. 80C).
(a) Life Insurance premia:The insurance premia paid for a policy is eligible for deduction. The premium paid should not be in excess of 20% of capital sum assured.(b) Contribution to Deferred Annuity Plans : The premia paid for a Deferred Annuity , provided such contract does not contain a provision to exercise an option by the insured to received a cash payment in lieu of the payment of annuity is eligible for deduction.
(c) Contribution to Pension/Annuity Plans :Contribution to New Jeevan Dhara-I and New Jeevan Akshay-V Schemes of LIC are qualified for rebate under this section.
2) Income tax exemption on Maturity/Death Claims proceeds under Section 10(10D)
All the benefits payable under a Life Insurance policy are tax free. However in cases the premium paid in excess of 20% of the capital sum assured within a year, benefits paid excess of premiums will be taxable. The benefits from a key man Insurance policy and any sum received under Sec 80DD, Sub-section (3) are also taxable.
3) Jeevan Nidhi Plan & New Jeevan Suraksha - I Plan (U/s. 80CCC)Amounts paid from the taxable income to premiums of the above annuity are deductible.
4) Deduction under section 80DMedical Premium paid for a Health Insurance policy is deductible to the extent of Rs. 15000 for an assessee and/or his family members’ policiy/s. A separate exemption to the extent of Rs. 15,000 for premiums paid for an assessee’s parents is also available. If any one or both of the parents are Senior citizens, then an enhanced exemption limit of Rs. 20,000 is available. Section 80D also covers payment of premium exclusively for Critical Illness Rider.
5) Jeevan Aadhar Plan (Sec.80DD)
Premium paid for LIC’s Jeevan Aadhar Plan (for the maintenance of an handicapped dependent) is eligible for deduction from the total income to the extent of Rs.50,000 and to the extent of Rs.75,000/- where handicapped dependent is suffering from specified severe disability.
6) Exemption in respect of commutation of pension under Jeevan Suraksha & Jeevan Nidhi Plans. (Section 10(10A):A payment received by way of commutation of pension from Jeevan Suraksha & Jeevan Nidhi Annuity plans is exempt from tax

Monday, November 24, 2008

###----Life Insurance .......

Life Insurance : It is a contract that pledges payment of an amount to the person assured (or his nominee) on the happening of the event insured against.

Sunday, November 23, 2008

***--Investment of Funds of LIC's CHILD FORTUNEPLUS (194).......

Investment of Funds:
Plan offers following four Funds detailed below:

Fund Type
1.Investment in Government / Government Guaranteed Securities / Corporate Debt
2.Short-term Investment such as money market Instruments (Including Govt. Securities & Corporate Debt)
3.Investment in Listed Equity Shares
4.Details and objective of the fund for risk/return
I.Bond Fund
1.Not less than 60%
2.100%
3.Nil
4.Low risk
II.Secured Fund
1.Not less than 45%
2.Not more than 85%
3.Not less than 15% & Not more than 55%
4.Steady Income - Lower to Medium risk
III.Balanced Fund
1.Not less than 30%
2.Not more than 70%
3.Not less than 30% & Not more than 70%
4.Balanced Income and growth - Medium risk
IV.Growth Fund
1.Not less than 20%
2.Not more than 60%
3.Not less than 40% & Not more than 55%
4.Long term Capital growth - High Risk

# The Policyholder has the option to choose any ONE of the above 4 funds.

***--NAV's of CHILD FORTUNEPLUS (194)_ A ULIP of LIC on Dated:22-11-2008.......

***--NAV's of LIC's CHILD FORTUNEPLUS (194) Dated:22-11-2008.......
Date of Launch :01.11.2008

BASIC UNIT VALUE
NAV AS ON DATE
REPURCHASE VALUE
SALEVALUE

BOND FUND
10
10.0237
10.0237
10.0237
SECURED FUND
10
10.0195
10.0195
10.0195
BALANCED FUND
10
10.0205
10.0205
10.0205
GROWTH FUND
10
10.0262
10.0262
10.0262

NAV's as on date: 22.11.2008 of ULIPS of LICI....

NAV'S AS ON DATE 22.11.2008

BASIC UNIT VALUE
NAV AS ON DATE
REPURCHASE VALUE
SALEVALUE

BIMA PLUS (140)
DATE OF LAUNCH12.02.2001

SECURED FUND
10
22.6733
21.5396
22.6733
BALANCED FUND
10
25.6816
24.3976
25.6816
RISK FUND
10
30.5630
29.0348
30.5630

FUTURE PLUS (172)
DATE OF LAUNCH04.03.2005
BOND FUND
10
12.4413
12.4413
12.4413
INCOME FUND
10
13.6048
13.6048
13.6048
BALANCED FUND
10
13.3010
13.3010
13.3010
GROWTH FUND
10
14.5815
14.5815
14.5815

JEEVAN PLUS (173)
DATE OF LAUNCH18.10.2005
BOND FUND
10
11.5672
11.5672
11.5672
SECURED FUND
10
12.0733
12.0733
12.0733
BALANCED FUND
10
11.4305
11.4305
11.4305
GROWTH FUND
10
13.2841
13.2841
13.2841

MONEY PLUS (180)
DATE OF LAUNCH20.12.2006
BOND FUND
10
11.5560
11.5560
11.5560
SECURED FUND
10
10.4696
10.4696
10.4696
BALANCED FUND
10
9.5769
9.5769
9.5769
GROWTH FUND
10
7.4126
7.4126
7.4126

MARKET PLUS (181)
DATE OF LAUNCH05.07.2006
BOND FUND
10
12.8003
12.8003
12.8003
SECURED FUND
10
10.9444
10.9444
10.9444
BALANCED FUND
10
10.1303
10.1303
10.1303
GROWTH FUND
10
9.0383
9.0383
9.0383

FORTUNE PLUS (187)
DATE OF LAUNCH23.08.2007
BOND FUND
10
10.9978
10.9978
10.9978
SECURED FUND
10
9.0064
9.0064
9.0064
BALANCED FUND
10
8.1236
8.1236
8.1236
GROWTH FUND
10
7.4156
7.4156
7.4156

PROFIT PLUS (188)
DATE OF LAUNCH23.08.2007
BOND FUND
10
10.8412
10.8412
10.8412
SECURED FUND
10
8.2779
8.2779
8.2779
BALANCED FUND
10
8.0376
8.0376
8.0376
GROWTH FUND
10
7.1165
7.1165
7.1165

GRATUITY PLUS
DATE OF LAUNCH22.06.2006

BOND FUND
10
11.1913
11.1913
11.1913
INCOME FUND
10
11.5129
11.5129
11.5129
BALANCED FUND
10
10.2054
10.2054
10.2054
GROWTH FUND
10
10.0858
10.0858
10.0858

HEALTH PLUS (901)
DATE OF LAUNCH04.02.2008
HEALTH PLUS FUND
10
9.0449
9.0449
9.0449

MONEY PLUS - I (193)
DATE OF LAUNCH22.05.2008
BOND FUND
10
10.8411
10.8411
10.8411
SECURED FUND
10
10.1369
10.1369
10.1369
BALANCED FUND
10
9.9497
9.9497
9.9497
GROWTH FUND
10
8.5492
8.5492
8.5492

MARKET PLUS-I (191)
DATE OF LAUNCH17.06.2008
BOND FUND
10
10.3781
10.3781
10.3781
SECURED FUND
10
9.4912
9.4912
9.4912
BALANCED FUND
10
9.0181
9.0181
9.0181
GROWTH FUND
10
8.9129
8.9129
8.9129

CHILD FORTUNEPLUS (194)
DATE OF LAUNCH01.11.2008
BOND FUND
10
10.0237
10.0237
10.0237
SECURED FUND
10
10.0195
10.0195
10.0195
BALANCED FUND
10
10.0205
10.0205
10.0205
GROWTH FUND
10
10.0262
10.0262
10.0262

# Subject to Market risk ; Not guaranteed
# Past performance may not indicate future performance

Saturday, November 22, 2008

NAV'S AS ON DATE 21.11.2008

BASIC UNIT VALUE
NAV AS ON DATE
REPURCHASE VALUE
SALEVALUE

BIMA PLUS (140)
DATE OF LAUNCH12.02.2001
SECURED FUND
10
22.6733
21.5396
22.6733
BALANCED FUND
10
25.6816
24.3976
25.6816
RISK FUND
10
30.5630
29.0348
30.5630

FUTURE PLUS (172)
DATE OF LAUNCH04.03.2005
BOND FUND
10
12.4217
12.4217
12.4217
INCOME FUND
10
13.5811
13.5811
13.5811
BALANCED FUND
10
13.2751
13.2751
13.2751
GROWTH FUND
10
14.5655
14.5655
14.5655

JEEVAN PLUS (173)
DATE OF LAUNCH18.10.2005

BOND FUND
10
11.5510
11.5510
11.5510
SECURED FUND
10
12.0474
12.0474
12.0474
BALANCED FUND
10
11.4123
11.4123
11.4123
GROWTH FUND
10
13.2668
13.2668
13.2668

MONEY PLUS (180)
DATE OF LAUNCH20.12.2006

BOND FUND
10
11.5309
11.5309
11.5309
SECURED FUND
10
10.4539
10.4539
10.4539
BALANCED FUND
10
9.5627
9.5627
9.5627
GROWTH FUND
10
7.3983
7.3983
7.3983

MARKET PLUS (181)
DATE OF LAUNCH05.07.2006

BOND FUND
10
12.7755
12.7755
12.7755
SECURED FUND
10
10.9254
10.9254
10.9254
BALANCED FUND
10
10.1171
10.1171
10.1171
GROWTH FUND
10
9.0322
9.0322
9.0322

FORTUNE PLUS (187)
DATE OF LAUNCH23.08.2007

BOND FUND
10
10.9856
10.9856
10.9856
SECURED FUND
10
8.9982
8.9982
8.9982
BALANCED FUND
10
8.1170
8.1170
8.1170
GROWTH FUND
10
7.4092
7.4092
7.4092

PROFIT PLUS (188)
DATE OF LAUNCH23.08.2007

BOND FUND
10
10.8256
10.8256
10.8256
SECURED FUND
10
8.2706
8.2706
8.2706
BALANCED FUND
10
8.0267
8.0267
8.0267
GROWTH FUND
10
7.1123
7.1123
7.1123

GRATUITY PLUS
DATE OF LAUNCH22.06.2006

BOND FUND
10
11.1913
11.1913
11.1913
INCOME FUND
10
11.5129
11.5129
11.5129
BALANCED FUND
10
10.2054
10.2054
10.2054
GROWTH FUND
10
10.0858
10.0858
10.0858

HEALTH PLUS (901)
DATE OF LAUNCH04.02.2008

HEALTH PLUS FUND
10
9.0340
9.0340
9.0340

MONEY PLUS - I (193)
DATE OF LAUNCH22.05.2008

BOND FUND
10
10.8348
10.8348
10.8348
SECURED FUND
10
10.1271
10.1271
10.1271
BALANCED FUND
10
9.9419
9.9419
9.9419
GROWTH FUND
10
8.5436
8.5436
8.5436

MARKET PLUS-I (191)
DATE OF LAUNCH17.06.2008

BOND FUND
10
10.3722
10.3722
10.3722
SECURED FUND
10
9.4883
9.4883
9.4883
BALANCED FUND
10
9.0157
9.0157
9.0157
GROWTH FUND
10
8.9086
8.9086
8.9086
CHILD FORTUNEPLUS (194)
DATE OF LAUNCH01.11.2008

BOND FUND
10
10.0214
10.0214
10.0214
SECURED FUND
10
10.0172
10.0172
10.0172
BALANCED FUND
10
10.0183
10.0183
10.0183
GROWTH FUND
10
10.0240
10.0240
10.0240

# Subject to Market risk ; Not guaranteed
# Past performance may not indicate future performance

Thursday, November 20, 2008

###----What is Bima Bachat?.......

###----What is Bima Bachat?.......

LIC’s Bima Bachat is a money-back policy which offers financial security and assurance to the policy holder and his family.
Bima Bachat requires the policy holder to pay only one premium.
The amount paid for the premium depends on the duration of the policy taken and life insurance is available till the date of maturity.

###----Money Back with Profit .......

###----Money Back with Profit .......
Product summary :These are Money Back type Assurance plans that provide financial protection against death throughout the term of plan along with the periodic payments on survival at specified durations during the term.
Premiums : Premiums are payable yearly, half-yearly, quarterly, monthly or through salary deductions as opted by you throughout the term of the policy, or till the earlier death.
Bonuses : This is a with-profit plan and participate in the profits of the Corporation’s life insurance business. It gets a share of the profits in the form of bonuses. Simple Reversionary Bonuses are declared per thousand Sum Assured annually at the end of each financial year. Once declared, they form part of the guaranteed benefits of the plan. Final (Additional) Bonus may also be payable provided policy has run for certain minimum period.

###----Jeevan Surabhi......

###----Jeevan Surabhi--(Table-106/107/108)......

Jeevan Surabhi plan is similar to other money back plans.
However main differences in regular money back plans and Jeevan Surabhi are as under Maturity term is more than premium paying term.
Early and higher rate of survival benefit payment.
Risk cover increases every five years.The actual term and the premium paying term for these plans are as under.
Plan no.
Policy Term
Premium Paying Term
106
15 years
12 years
107
20 years
15 years
108
25 years
18 years
Full sum assured is paid back as survival benefit by the end of premium paying term.
However, the risk cover and additional risk cover continue and the policy participates in profits till the end of policy term.
Accident Benefit is restricted to the premium paying period and to the overall limit of Rs.5 lakhs on a single life.
Suitable For:This plan holds special interest to people who besides wishing to provide for their old age and family feel the need for lump sum benefits at periodical intervals.

###----Jeevan Anand...........

###----Jeevan Anand (Table-149)...........
This plan is a combination of Endowment Assurance and Whole Life plans.
It provides financial protection against death throughout the lifetime of the life assured with the provision of payment of a lump sum at the end of the selected term in case of his survival.

###----Child Fortune Plus.......

This plan is specially designed to meet the increasing educational, marriage and other needs of growing children.
It provides the risk cover on the life of child not only during the policy term but also during the extended term (i.e. 7 years after the expiry of policy term).
A number of Survival benefits are payable on surviving by the life assured to the end of the specified durations.
For 6 years’ Premium paying term
Age
Maturity Age

23
24
25
26
27
0
112.55
108.00
103.65
99.45
95.45
4
132.35
127.00
121.85
116.90
112.15
8
156.20
149.90
143.85
138.05
132.45
12
184.20
176.85
169.75
162.95
156.40

For Premium paying term = Policy Term less 5 years
Age
Maturity Age

23
24
25
26
27
0
53.10
49.45
46.20
43.25
40.60
4
71.80
66.90
61.65
57.00
52.95
8
107.80
96.30
86.75
78.75
71.90
12
184.20
155.40
133.90
117.25
108.05

***--NAV's of ULIPS of LIC on Dated:20-11-2008.......

NAV'S AS ON DATE 20.11.2008

BASIC UNIT VALUE
NAV AS ON DATE
REPURCHASE VALUE
SALEVALUE

BIMA PLUS (140)
DATE OF LAUNCH12.02.2001
SECURED FUND
10
22.5797
21.4508
22.5797
BALANCED FUND
10
25.6100
24.3295
25.6100
RISK FUND
10
30.4627
28.9396
30.4627

FUTURE PLUS (172)
DATE OF LAUNCH04.03.2005
BOND FUND
10
12.3862
12.3862
12.3862
INCOME FUND
10
13.4916
13.4916
13.4916
BALANCED FUND
10
13.1432
13.1432
13.1432
GROWTH FUND
10
14.2987
14.2987
14.2987

JEEVAN PLUS (173)
DATE OF LAUNCH18.10.2005
BOND FUND
10
11.5415
11.5415
11.5415
SECURED FUND
10
11.9579
11.9579
11.9579
BALANCED FUND
10
11.3082
11.3082
11.3082
GROWTH FUND
10
13.0044
13.0044
13.0044

MONEY PLUS (180)
DATE OF LAUNCH20.12.2006
BOND FUND
10
11.4886
11.4886
11.4886
SECURED FUND
10
10.3849
10.3849
10.3849
BALANCED FUND
10
9.4609
9.4609
9.4609
GROWTH FUND
10
7.2004
7.2004
7.2004

MARKET PLUS (181)
DATE OF LAUNCH05.07.2006
BOND FUND
10
12.7409
12.7409
12.7409
SECURED FUND
10
10.8481
10.8481
10.8481
BALANCED FUND
10
9.9818
9.9818
9.9818
GROWTH FUND
10
8.8233
8.8233
8.8233

FORTUNE PLUS (187)
DATE OF LAUNCH23.08.2007

BOND FUND
10
10.9725
10.9725
10.9725
SECURED FUND
10
8.9372
8.9372
8.9372
BALANCED FUND
10
8.0049
8.0049
8.0049
GROWTH FUND
10
7.2661
7.2661
7.2661

PROFIT PLUS (188)
DATE OF LAUNCH23.08.2007

BOND FUND
10
10.8118
10.8118
10.8118
SECURED FUND
10
8.2099
8.2099
8.2099
BALANCED FUND
10
7.9200
7.9200
7.9200
GROWTH FUND
10
6.9500
6.9500
6.9500

GRATUITY PLUS
DATE OF LAUNCH22.06.2006

BOND FUND
10
11.1913
11.1913
11.1913
INCOME FUND
10
11.5129
11.5129
11.5129
BALANCED FUND
10
10.2054
10.2054
10.2054
GROWTH FUND
10
10.0858
10.0858
10.0858

HEALTH PLUS (901)
DATE OF LAUNCH04.02.2008

HEALTH PLUS FUND
10
8.9378
8.9378
8.9378

MONEY PLUS - I (193)
DATE OF LAUNCH22.05.2008

BOND FUND
10
10.8149
10.8149
10.8149
SECURED FUND
10
10.0702
10.0702
10.0702
BALANCED FUND
10
9.8936
9.8936
9.8936
GROWTH FUND
10
8.3871
8.3871
8.3871

MARKET PLUS-I (191)
DATE OF LAUNCH17.06.2008

BOND FUND
10
10.3685
10.3685
10.3685
SECURED FUND
10
9.4207
9.4207
9.4207
BALANCED FUND
10
8.9157
8.9157
8.9157
GROWTH FUND
10
8.7944
8.7944
8.7944
CHILD FORTUNEPLUS (194)
DATE OF LAUNCH01.11.2008

BOND FUND
10
10.0191
10.0191
10.0191
SECURED FUND
10
10.0150
10.0150
10.0150
BALANCED FUND
10
10.0161
10.0161
10.0161
GROWTH FUND
10
10.0219
10.0219
10.0219

# Subject to Market risk ; Not guaranteed
# Past performance may not indicate future performance

Tuesday, November 18, 2008

***--NAV's of ULIPS of LIC on Dated:17-11-2008.......

NAV'S AS ON DATE 17.11.2008

BASIC UNIT VALUE
NAV AS ON DATE
REPURCHASE VALUE
SALEVALUE

BIMA PLUS (140)
DATE OF LAUNCH12.02.2001

SECURED FUND
10
22.7163
21.5805
22.7163
BALANCED FUND
10
25.8770
24.5831
25.8770
RISK FUND
10
31.1167
29.5609
31.1167

FUTURE PLUS (172)
DATE OF LAUNCH04.03.2005

BOND FUND
10
12.3770
12.3770
12.3770
INCOME FUND
10
13.5370
13.5370
13.5370
BALANCED FUND
10
13.2638
13.2638
13.2638
GROWTH FUND
10
14.7054
14.7054
14.7054

JEEVAN PLUS (173)
DATE OF LAUNCH18.10.2005

BOND FUND
10
11.5300
11.5300
11.5300
SECURED FUND
10
12.0215
12.0215
12.0215
BALANCED FUND
10
11.4219
11.4219
11.4219
GROWTH FUND
10
13.4250
13.4250
13.4250

MONEY PLUS (180)
DATE OF LAUNCH20.12.2006

BOND FUND
10
11.4522
11.4522
11.4522
SECURED FUND
10
10.4656
10.4656
10.4656
BALANCED FUND
10
9.6242
9.6242
9.6242
GROWTH FUND
10
7.5837
7.5837
7.5837

MARKET PLUS (181)
DATE OF LAUNCH05.07.2006

BOND FUND
10
12.7080
12.7080
12.7080
SECURED FUND
10
10.9426
10.9426
10.9426
BALANCED FUND
10
10.1801
10.1801
10.1801
GROWTH FUND
10
9.2131
9.2131
9.2131

FORTUNE PLUS (187)
DATE OF LAUNCH23.08.2007

BOND FUND
10
10.9514
10.9514
10.9514
SECURED FUND
10
9.0451
9.0451
9.0451
BALANCED FUND
10
8.1877
8.1877
8.1877
GROWTH FUND
10
7.5447
7.5447
7.5447

PROFIT PLUS (188)
DATE OF LAUNCH23.08.2007

BOND FUND
10
10.7973
10.7973
10.7973
SECURED FUND
10
8.3149
8.3149
8.3149
BALANCED FUND
10
8.1161
8.1161
8.1161
GROWTH FUND
10
7.2614
7.2614
7.2614

GRATUITY PLUS
DATE OF LAUNCH22.06.2006

BOND FUND
10
11.5261
11.5261
11.5261
INCOME FUND
10
11.4885
11.4885
11.4885
BALANCED FUND
10
10.2551
10.2551
10.2551
GROWTH FUND
10
10.1407
10.1407
10.1407

HEALTH PLUS (901)
DATE OF LAUNCH04.02.2008

HEALTH PLUS FUND
10
9.0963
9.0963
9.0963

MONEY PLUS - I (193)
DATE OF LAUNCH22.05.2008

BOND FUND
10
10.8019
10.8019
10.8019
SECURED FUND
10
10.1477
10.1477
10.1477
BALANCED FUND
10
9.9942
9.9942
9.9942
GROWTH FUND
10
8.6919
8.6919
8.6919

MARKET PLUS-I (191)
DATE OF LAUNCH17.06.2008

BOND FUND
10
10.3622
10.3622
10.3622
SECURED FUND
10
9.5401
9.5401
9.5401
BALANCED FUND
10
9.1200
9.1200
9.1200
GROWTH FUND
10
9.0361
9.0361
9.0361
CHILD FORTUNEPLUS (194)
DATE OF LAUNCH01.11.2008

BOND FUND
10
10.0066
10.0066
10.0066
SECURED FUND
10
10.0026
10.0026
10.0026
BALANCED FUND
10
10.0040
10.0040
10.0040
GROWTH FUND
10
10.0099
10.0099
10.0099

Sunday, November 16, 2008

***--NAV's of ULIPS of LIC on Dated:15-11-2008.......

NAV'S AS ON DATE 15.11.2008

BASIC UNIT VALUE
NAV AS ON DATE
REPURCHASE VALUE
SALEVALUE

BIMA PLUS (140)
DATE OF LAUNCH12.02.2001
SECURED FUND
10
22.7163
21.5805
22.7163
BALANCED FUND
10
25.8770
24.5831
25.8770
RISK FUND
10
31.1167
29.5609
31.1167

FUTURE PLUS (172) DATE OF LAUNCH04.03.2005

BOND FUND
10
12.3732
12.3732
12.3732
INCOME FUND
10
13.5418
13.5418
13.5418
BALANCED FUND
10
13.2757
13.2757
13.2757
GROWTH FUND
10
14.7257
14.7257
14.7257

JEEVAN PLUS (173) DATE OF LAUNCH18.10.2005

BOND FUND
10
11.5253
11.5253
11.5253
SECURED FUND
10
12.0274
12.0274
12.0274
BALANCED FUND
10
11.4347
11.4347
11.4347
GROWTH FUND
10
13.4537
13.4537
13.4537

MONEY PLUS (180) DATE OF LAUNCH20.12.2006

BOND FUND
10
11.4470
11.4470
11.4470
SECURED FUND
10
10.4740
10.4740
10.4740
BALANCED FUND
10
9.6427
9.6427
9.6427
GROWTH FUND
10
7.6257
7.6257
7.6257

MARKET PLUS (181) DATE OF LAUNCH05.07.2006

BOND FUND
10
12.7039
12.7039
12.7039
SECURED FUND
10
10.9575
10.9575
10.9575
BALANCED FUND
10
10.2126
10.2126
10.2126
GROWTH FUND
10
9.2491
9.2491
9.2491

FORTUNE PLUS (187) DATE OF LAUNCH23.08.2007

BOND FUND
10
10.9497
10.9497
10.9497
SECURED FUND
10
9.0663
9.0663
9.0663
BALANCED FUND
10
8.2118
8.2118
8.2118
GROWTH FUND
10
7.5854
7.5854
7.5854

PROFIT PLUS (188) DATE OF LAUNCH23.08.2007

BOND FUND
10
10.7954
10.7954
10.7954
SECURED FUND
10
8.3202
8.3202
8.3202
BALANCED FUND
10
8.1409
8.1409
8.1409
GROWTH FUND
10
7.2990
7.2990
7.2990 GRATUITY PLUS DATE OF LAUNCH22.06.2006

BOND FUND
1011.517111.517111.5171
INCOME FUND
10
11.4507
11.4507
11.4507
BALANCED FUND
10
10.2476
10.2476
10.2476
GROWTH FUND
1010.124610.124610.1246 HEALTH PLUS (901) DATE OF LAUNCH04.02.2008

HEALTH PLUS FUND 10
9.1244
9.1244
9.1244 MONEY PLUS - I (193) DATE OF LAUNCH22.05.2008
BOND FUND
10
10.8021
10.8021
10.8021
SECURED FUND
10
10.1633
10.1633
10.1633
BALANCED FUND
10
10.0116
10.0116
10.0116
GROWTH FUND
10
8.7484
8.7484
8.7484 MARKET PLUS-I (191) DATE OF LAUNCH17.06.2008
BOND FUND
10
10.3584
10.3584
10.3584
SECURED FUND
10
9.5633
9.5633
9.5633
BALANCED FUND
10
9.1633
9.1633
9.1633
GROWTH FUND
10
9.0774
9.0774
9.0774CHILD FORTUNEPLUS (194) DATE OF LAUNCH01.11.2008
BOND FUND
10
10.0149
10.0149
10.0149
SECURED FUND
10
10.0119
10.0119
10.0119
BALANCED FUND
10
10.0116
10.0116
10.0116
GROWTH FUND
10
10.0145
10.0145
10.0145 # Subject to Market risk ; Not guaranteed # Past performance may not indicate future performance

Thursday, November 13, 2008

***--NAV's of ULIPS of LIC on Dated:12-11-2008.......

NAV'S AS ON DATE 12.11.2008

BASIC UNIT VALUE
NAV AS ON DATE
REPURCHASE VALUE
SALEVALUE

BIMA PLUS (140)
DATE OF LAUNCH12.02.2001

SECURED FUND
10
22.8535
21.7108
22.8535
BALANCED FUND
10
26.1151
24.8093
26.1151
RISK FUND
10
31.7690
30.1806
31.7690

FUTURE PLUS (172)
DATE OF LAUNCH04.03.2005

BOND FUND
10
12.3059
12.3059
12.3059
INCOME FUND
10
13.4826
13.4826
13.4826
BALANCED FUND
10
13.2525
13.2525
13.2525
GROWTH FUND
10
14.7971
14.7971
14.7971

JEEVAN PLUS (173)
DATE OF LAUNCH18.10.2005

BOND FUND
10
11.4527
11.4527
11.4527
SECURED FUND
10
11.9405
11.9405
11.9405
BALANCED FUND
10
11.4276
11.4276
11.4276
GROWTH FUND
10
13.5111
13.5111
13.5111

MONEY PLUS (180)
DATE OF LAUNCH20.12.2006

BOND FUND
10
11.3372
11.3372
11.3372
SECURED FUND
10
10.4460
10.4460
10.4460
BALANCED FUND
10
9.6333
9.6333
9.6333
GROWTH FUND
10
7.6860
7.6860
7.6860

MARKET PLUS (181)
DATE OF LAUNCH05.07.2006

BOND FUND
10
12.6337
12.6337
12.6337
SECURED FUND
10
10.9323
10.9323
10.9323
BALANCED FUND
10
10.2323
10.2323
10.2323
GROWTH FUND
10
9.3085
9.3085
9.3085

FORTUNE PLUS (187)
DATE OF LAUNCH23.08.2007

BOND FUND
10
10.9138
10.9138
10.9138
SECURED FUND
10
9.0520
9.0520
9.0520
BALANCED FUND
10
8.2159
8.2159
8.2159
GROWTH FUND
10
7.6207
7.6207
7.6207

PROFIT PLUS (188)
DATE OF LAUNCH23.08.2007

BOND FUND
10
10.7407
10.7407
10.7407
SECURED FUND
10
8.2979
8.2979
8.2979
BALANCED FUND
10
8.1362
8.1362
8.1362
GROWTH FUND
10
7.3372
7.3372
7.3372

GRATUITY PLUS
DATE OF LAUNCH22.06.2006

BOND FUND
10
11.4861
11.4861
11.4861
INCOME FUND
10
11.4415
11.4415
11.4415
BALANCED FUND
10
10.2698
10.2698
10.2698
GROWTH FUND
10
10.1568
10.1568
10.1568

HEALTH PLUS (901)
DATE OF LAUNCH04.02.2008

HEALTH PLUS FUND
10
9.1349
9.1349
9.1349

MONEY PLUS - I (193)
DATE OF LAUNCH22.05.2008

BOND FUND
10
10.7679
10.7679
10.7679
SECURED FUND
10
10.1302
10.1302
10.1302
BALANCED FUND
10
9.9867
9.9867
9.9867
GROWTH FUND
10
8.7833
8.7833
8.7833

MARKET PLUS-I (191)
DATE OF LAUNCH17.06.2008

BOND FUND
10
10.3475
10.3475
10.3475
SECURED FUND
10
9.5794
9.5794
9.5794
BALANCED FUND
10
9.1985
9.1985
9.1985
GROWTH FUND
10
9.1159
9.1159
9.1159
CHILD FORTUNEPLUS (194)
DATE OF LAUNCH01.11.2008

BOND FUND
10
10.0074
10.0074
10.0074
SECURED FUND
10
10.0046
10.0046
10.0046
BALANCED FUND
10
10.0045
10.0045
10.0045
GROWTH FUND
10
10.0075
10.0075
10.0075

# Subject to Market risk ; Not guaranteed
# Past performance may not indicate future performance

Wednesday, November 12, 2008

###---Child Future Plan ( A specially designed Plan)...........

This plan is specially designed to meet the increasing educational, marriage and other needs of growing children.
It provides the risk cover on the life of child not only during the policy term but also during the extended term (i.e. 7 years after the expiry of policy term).
A number of Survival benefits are payable on surviving by the life assured to the end of the specified durations.

###----Jeevan Anand...........

This plan is a combination of Endowment Assurance and Whole Life plans.
It provides financial protection against death throughout the lifetime of the life assured with the provision of payment of a lump sum at the end of the selected term in case of his survival.

***--NAV's of ULIPS of LIC on Dated:11-11-2008.......

NAV'S AS ON DATE 11.11.2008

BASIC UNIT VALUE
NAV AS ON DATE
REPURCHASE VALUE
SALEVALUE

BIMA PLUS (140)
DATE OF LAUNCH 12.02.2001

SECURED FUND
10
22.8535
21.7108
22.8535
BALANCED FUND
10
26.1151
24.8093
26.1151
RISK FUND
10
31.7690
30.1806
31.7690

FUTURE PLUS (172)
DATE OF LAUNCH04.03.2005

BOND FUND
10
12.2591
12.2591
12.2591
INCOME FUND
10
13.4751
13.4751
13.4751
BALANCED FUND
10
13.2707
13.2707
13.2707
GROWTH FUND
10
14.9078
14.9078
14.9078

JEEVAN PLUS (173)
DATE OF LAUNCH18.10.2005

BOND FUND
10
11.4523
11.4523
11.4523
SECURED FUND
10
11.9288
11.9288
11.9288
BALANCED FUND
10
11.4427
11.4427
11.4427
GROWTH FUND
10
13.6560
13.6560
13.6560

MONEY PLUS (180)
DATE OF LAUNCH20.12.2006

BOND FUND
10
11.3254
11.3254
11.3254
SECURED FUND
10
10.4684
10.4684
10.4684
BALANCED FUND
10
9.6886
9.6886
9.6886
GROWTH FUND
10
7.8288
7.8288
7.8288

MARKET PLUS (181)
DATE OF LAUNCH05.07.2006

BOND FUND
10
12.6156
12.6156
12.6156
SECURED FUND
10
10.9524
10.9524
10.9524
BALANCED FUND
10
10.2945
10.2945
10.2945
GROWTH FUND
10
9.4406
9.4406
9.4406

FORTUNE PLUS (187)
DATE OF LAUNCH23.08.2007

BOND FUND
10
10.9009
10.9009
10.9009
SECURED FUND
10
9.0791
9.0791
9.0791
BALANCED FUND
10
8.2560
8.2560
8.2560
GROWTH FUND
10
7.7129
7.7129
7.7129

PROFIT PLUS (188)
DATE OF LAUNCH23.08.2007

BOND FUND
10
10.7404
10.7404
10.7404
SECURED FUND
10
8.3327
8.3327
8.3327
BALANCED FUND
10
8.2066
8.2066
8.2066
GROWTH FUND
10
7.4470
7.4470
7.4470

GRATUITY PLUS
DATE OF LAUNCH22.06.2006

BOND FUND
10
11.4858
11.4858
11.4858
INCOME FUND
10
11.4328
11.4328
11.4328
BALANCED FUND
10
10.2797
10.2797
10.2797
GROWTH FUND
10
10.1702
10.1702
10.1702

HEALTH PLUS (901)
DATE OF LAUNCH04.02.2008

HEALTH PLUS FUND
10
9.1963
9.1963
9.1963

MONEY PLUS - I (193)
DATE OF LAUNCH22.05.2008

BOND FUND
10
10.7623
10.7623
10.7623
SECURED FUND
10
10.1518
10.1518
10.1518
BALANCED FUND
10
10.0070
10.0070
10.0070
GROWTH FUND
10
8.8871
8.8871
8.8871

MARKET PLUS-I (191)
DATE OF LAUNCH17.06.2008

BOND FUND
10
10.3486
10.3486
10.3486
SECURED FUND
10
9.6299
9.6299
9.6299
BALANCED FUND
10
9.2922
9.2922
9.2922
GROWTH FUND
10
9.2067
9.2067
9.2067
CHILD FORTUNEPLUS (194)
DATE OF LAUNCH01.11.2008

BOND FUND
10
10.0050
10.0050
10.0050
SECURED FUND
10
10.0023
10.0023
10.0023
BALANCED FUND
10
10.0022
10.0022
10.0022
GROWTH FUND
10
10.0053
10.0053
10.0053

# Subject to Market risk ; Not guaranteed
# Past performance may not indicate future performance

Friday, November 7, 2008

***--NAV's of ULIPS of LIC on Dated:07-11-2008.....

NAV'S AS ON DATE 07.11.2008

BASIC UNIT VALUE
NAV AS ON DATE
REPURCHASE VALUE
SALEVALUE

BIMA PLUS (140)
DATE OF LAUNCH12.02.2001
SECURED FUND
10
22.8289
21.6875
22.8289
BALANCED FUND
10
26.1353
24.8286
26.1353
RISK FUND
10
31.8808
30.2867
31.8808

FUTURE PLUS (172)
DATE OF LAUNCH04.03.2005
BOND FUND
10
12.2943
12.2943
12.2943
INCOME FUND
10
13.4960
13.4960
13.4960
BALANCED FUND
10
13.3068
13.3068
13.3068
GROWTH FUND
10
14.9237
14.9237
14.9237

JEEVAN PLUS (173)
DATE OF LAUNCH18.10.2005
BOND FUND
10
11.4497
11.4497
11.4497
SECURED FUND
10
11.9688
11.9688
11.9688
BALANCED FUND
10
11.4524
11.4524
11.4524
GROWTH FUND
10
13.7087
13.7087
13.7087

MONEY PLUS (180)
DATE OF LAUNCH20.12.2006
BOND FUND
10
11.3260
11.3260
11.3260
SECURED FUND
10
10.4819
10.4819
10.4819
BALANCED FUND
10
9.7053
9.7053
9.7053
GROWTH FUND
10
7.8865
7.8865
7.8865

MARKET PLUS (181)
DATE OF LAUNCH05.07.2006
BOND FUND
10
12.6220
12.6220
12.6220
SECURED FUND
10
10.9729
10.9729
10.9729
BALANCED FUND
10
10.3266
10.3266
10.3266
GROWTH FUND
10
9.4908
9.4908
9.4908

FORTUNE PLUS (187)
DATE OF LAUNCH23.08.2007
BOND FUND
10
10.9004
10.9004
10.9004
SECURED FUND
10
9.1017
9.1017
9.1017
BALANCED FUND
10
8.2728
8.2728
8.2728
GROWTH FUND
10
7.7488
7.7488
7.7488

PROFIT PLUS (188)
DATE OF LAUNCH23.08.2007
BOND FUND
10
10.7246
10.7246
10.7246
SECURED FUND
10
8.3451
8.3451
8.3451
BALANCED FUND
10
8.2299
8.2299
8.2299
GROWTH FUND
10
7.4881
7.4881
7.4881

GRATUITY PLUS
DATE OF LAUNCH22.06.2006
BOND FUND
10
11.4689
11.4334
11.4334
INCOME FUND
10
11.5449
11.4932
11.4932
BALANCED FUND
10
10.3749
10.2757
10.2757
GROWTH FUND
10
10.3253
10.2215
10.2215

HEALTH PLUS (901)
DATE OF LAUNCH04.02.2008HEALTH PLUS FUND
10
9.2127
9.2127
9.2127

MONEY PLUS - I (193)
DATE OF LAUNCH22.05.2008
BOND FUND
10
10.7607
10.7607
10.7607
SECURED FUND
10
10.1586
10.1586
10.1586
BALANCED FUND
10
10.0125
10.0125
10.0125
GROWTH FUND
10
8.8987
8.8987
8.8987

MARKET PLUS-I (191)
DATE OF LAUNCH17.06.2008
BOND FUND
10
10.3415
10.3415
10.3415
SECURED FUND
10
9.6411
9.6411
9.6411
BALANCED FUND
10
9.3092
9.3092
9.3092
GROWTH FUND
10
9.2137
9.2137
9.2137

CHILD FORTUNEPLUS (194)
DATE OF LAUNCH01.11.2008
BOND FUND
10
10.0000
10.0000
10.0000
SECURED FUND
10
10.0000
10.0000
10.0000
BALANCED FUND
10
10.0000
10.0000
10.0000
GROWTH FUND
10
10.0000
10.0000
10.0000

WELCOME TO LIC-Rama_Balaji's Website.......

aRWELCOME TO LIC-Balaji's Website

*** Financial & Insurance Advisor.......

Flash.... Flash.... Flash.... Flash....

### LIC’s Jeevan Mangal is a term assurance plan with return of premiums on maturity, where you may pay the premiums either in lump sum or regularly at Yearly, Half Yearly, Quarterly, Monthly, fortnightly or weekly intervals over the term of the policy.

### LIC's Jeevan Saral....

*This is an Endowment Assurance plan where the proposer has simply to choose the amount and mode of premium payment.

*The plan protection against death throughout the term of the plan.

*The death benefit is directly related to the premiums paid.

*The Maturity Sum Assured depends on the age at entry of the life to be assured and is payable on survival to the end of the policy term.

*It also offers the flexibility of term and a lot of liquidity.

NOTE:(For systematic investments in ULIPs)

*Market setbacks at the earlier stages of a policy will not significantly affect the yield to maturity.

*But any reversal in the last few years before maturity can reduce it considerably.

### Flash..Flash....

* It is the time to invest in Wealth Plus , Profit Plus and Health Protection Plus Plans.

* Now NAV is availaable at very nearer to the face value for above plans.

Profit Plus (T-188):

*It is a unit linked Endowment plan where the premium payment term (PPT) is limited to single lump sum, or uniformly over 3, 4 or 5 years.

*You can choose the level of cover within the limits, which will depend on whether the policy is a Single premium or Limited premium contract, term chosen and on the level of premium you agree to pay.

Features of Profit Plus (T-188):

* It is a unit linked Endowment plan where the premium payment term (PPT) is limited to single lump sum, or uniformly over 3, 4 or 5 years.

* You can choose the level of cover within the limits, which will depend on whether the policy is a Single premium or Limited premium contract, term chosen and on the level of premium you agree to pay.

* Four types of investment Funds are offered.

* Premiums paid after allocation charge will purchase units of the Fund type chosen.

*The Unit Fund is subject to various charges and value of units may increase or decrease, depending on the Net Asset Value (NAV).

### Jeevan Akshay VI ......

### Jeevan Akshay VI ......Introduction:It is an Immediate Annuity plan, which can be purchased by paying a lump sum amount. The plan provides for annuity payments of a stated amount throughout the life time of the annuitant.Various options are available for the type and mode of payment of annuities.Options Available:The following options are available under the planType of Annuity:

Annuity payable for life at a uniform rate.

Annuity payable for 5, 10, 15 or 20 years certain and thereafter as long as the annuitant is alive.

Annuity for life with return of purchase price on death of the annuitant.

Annuity payable for life increasing at a simple rate of 3% p.a.

Annuity for life with a provision of 50% of the annuity payable to spouse during his/her lifetime on death of the annuitant.

Annuity for life with a provision of 100% of the annuity payable to spouse during his/her lifetime on death of the annuitant. You may choose any one. Once chosen, the option cannot be altered.

### LIC's Jeevan Anand(T-149)---Benefits .......

Benefits in case of death during the selected term:

The Sum Assured along with the vested bonuses is payable on death in a lump sum.

Benefits in case of survival to the end of selected term:

The Sum Assured along with the vested bonuses is payable in a lump sum on survival to the end of the term. An additional Sum Assured is payable on death thereafter.

Accident Benefit:

An additional Sum Assured (subject to a limit of Rs.5 lakh) is payable in a lump sum on death due to accident up to age 70 of life assured.

In case of permanent disability of the life assured due to accident this additional Sum assured is payable in instalments.

Supplementary/Extra Benefits:

These are the optional benefits that can be added to your basic plan for extra protection/option.

An additional premium is required to be paid for these benefits.

Surrender Value:

Buying a life insurance contract is a long-term commitment.

However, surrender values are available on the plan on earlier termination of the contract.

Guaranteed Surrender Value:

The policy may be surrendered after it has been in force for 3 years or more.

The guaranteed surrender value is 30% of the basic premiums paid excluding the first year’s premium.

Any extra premium(s) paid and premium(s) towards Accident Benefit are also excluded.

Unit Plans Sri Venkat Ram ( SVR ) at 11:00 PM 0 comments

### LIC's Jeevan Anand(T-149).......

Jeevan Anand(T-149)Product summary:

This plan is a combination of Endowment Assurance and Whole Life plans. It provides financial protection against death throughout the lifetime of the life assured with the provision of payment of a lump sum at the end of the selected term in case of his survival.

Premium:

Premiums are payable yearly, half-yearly, quarterly, monthly or through salary deductions as opted by you throughout the selected term of the policy or till earlier death.

Bonuses:

This is a with-profit plan and participates in the profits of the Corporation’s life insurance business.

It gets a share of the profits in the form of bonuses.

Simple Reversionary Bonuses are declared per thousand Sum Assured annually at the end of each financial year.

Once declared, they form part of the guaranteed benefits of the plan.

Bonuses will be added during the selected term or till death, if it occurs earlier.

Final (Additional) Bonus may also be payable provided the policy has run for certain minimum period.

Unit Plans Sri Venkat Ram ( SVR ) at 10:53 PM 0 comments

*** LIC's (ULIP) HEALTH PROTECTION PLUS (T-902) NAV as on date_06.06.2009....

Profit Plus:

It is a unit linked Endowment plan where the premium payment term (PPT) is limited to single lump sum, or uniformly over 3, 4 or 5 years. You can choose the level of cover within the limits, which will depend on whether the policy is a Single premium or Limited premium contract, term chosen and on the level of premium you agree to pay.

Labels: ### LIC's Profit Plus(T-188)...........

*** LIC's Unit plans..............

Unit plan

Unit plans are investment plans for those who realise the worth of hard-earned money.

These plans help you see your savings yield rich benefits and help you save tax even if you don't have consistent income.

Unit Plans Sri Venkat Ram ( SVR ) at 12:07 AM 0 comments

*** LIC's BIMA PLUS (140) NAV AS ON DATE 29.05.2009.............

BASIC UNIT VALUENAV AS ON DATEREPURCHASE VALUESALEVALUEBIMA PLUS (140)DATE OF LAUNCH02.02.2001SECURED FUND1026.475725.151926.4757BALANCED FUND1031.352929.785231.3529RISK FUND1042.056139.953342.0561

Unit Plans Sri Venkat Ram ( SVR ) at 12:05 AM 0 comments

*** LIC's FUTURE PLUS (172) NAV'S AS ON DATE 29.05.2009........

FUTURE PLUS (172)BOND FUND1013.168513.168513.1685INCOME FUND1014.992414.992414.9924BALANCED FUND1015.273415.273415.2734GROWTH FUND1018.698318.698318.6983

Unit Plans Sri Venkat Ram ( SVR ) at 12:01 AM 0 comments

Friday, May 29, 2009

*** LIC's NAV'S AS ON DATE_29.05.2009.................

NAV'S AS ON DATE_29.05.2009BASIC UNIT VALUENAV AS ON DATEREPURCHASE VALUESALEVALUEBIMA PLUS (140)DATE OF LAUNCH02.02.2001SECURED FUND1026.475725.151926.4757BALANCED FUND1031.352929.785231.3529RISK FUND1042.056139.953342.0561FUTURE PLUS (172)DATE OF LAUNCH04.03.2005BOND FUND1013.168513.168513.1685INCOME FUND1014.992414.992414.9924BALANCED FUND1015.273415.273415.2734GROWTH FUND1018.698318.698318.6983JEEVAN PLUS (173)DATE OF LAUNCH18.10.2005BOND FUND1013.260313.260313.2603SECURED FUND1013.230113.230113.2301BALANCED FUND1013.465013.465013.4650GROWTH FUND1017.352517.352517.3525MONEY PLUS (180)DATE OF LAUNCH20.12.2006BOND FUND1012.534012.534012.5340SECURED FUND1011.791411.791411.7914BALANCED FUND1011.468211.468211.4682GROWTH FUND1010.137110.137110.1371MARKET PLUS (181)DATE OF LAUNCH05.07.2006BOND FUND1013.815213.815213.8152SECURED FUND1012.638612.638612.6386BALANCED FUND1012.206112.206112.2061GROWTH FUND1012.508212.508212.5082FORTUNE PLUS (187)DATE OF LAUNCH23.08.2007BOND FUND1012.101512.101512.1015SECURED FUND1010.888910.888910.8889BALANCED FUND1010.339810.339810.3398GROWTH FUND109.96579.96579.9657PROFIT PLUS (188)DATE OF LAUNCH23.08.2007BOND FUND1012.401312.401312.4013SECURED FUND1010.355810.355810.3558BALANCED FUND1010.519710.519710.5197GROWTH FUND109.83109.83109.8310GRATUITY PLUSDATE OF LAUNCH22.06.2006BOND FUND1012.507812.507812.5078INCOME FUND1013.181413.181413.1814BALANCED FUND1012.265412.265412.2654GROWTH FUND1012.254212.254212.2542HEALTH PLUS (901)DATE OF LAUNCH04.02.2008HEALTH PLUS FUND1010.771310.771310.7713MONEY PLUS - I (193)DATE OF LAUNCH22.05.2008BOND FUND1012.343012.343012.3430SECURED FUND1012.614412.614412.6144BALANCED FUND1012.487812.487812.4878GROWTH FUND1012.107112.107112.1071MARKET PLUS-I (191)DATE OF LAUNCH17.06.2008BOND FUND1011.450811.450811.4508SECURED FUND1011.145711.145711.1457BALANCED FUND1011.331811.331811.3318GROWTH FUND1011.742611.742611.7426CHILD FORTUNEPLUS (194)DATE OF LAUNCH01.11.2008BOND FUND1010.522310.522310.5223SECURED FUND1011.413811.413811.4138BALANCED FUND1011.656711.656711.6567GROWTH FUND1013.174113.174113.1741HEALTH PROTECTION PLUS (902)DATE OF LAUNCH 29.04.2009HEALTH PROTECTION PLUS FUND1010.015610.015610.0156# Subject to Market risk ; Not guaranteed# Past performance may not indicate future performance

Unit Plans Sri Venkat Ram ( SVR ) at 11:49 PM 0 comments

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List of Postings

▼ 2009 (186)

▼ June (34)

### Jeevan Akshay VI ......

*** LIC's PROFIT PLUS (188) NAV's as on DATE_20.06...

*** LIC's FUTURE PLUS (172) NAV's as on DATE_20.06...

*** LIC's NAV's as on DATE_20/06/2009.....

*** LIC's NAV's as on DATE_12.06.2009.....

*** LIC's MONEY PLUS(180) Performence ........

*** LIC's FUTURE PLUS (172) Performence in Jun 200...

*** LIC's BIMA PLUS (140) NAV's as on DATE_11.06.2...

*** LIC's FUTURE PLUS (172) NAV's as on DATE_11.06...

*** LIC's MONEY PLUS (180) NAV's as on DATE_11.06....

*** LIC's PROFIT PLUS (188) NAV's as on DATE_11.06...

*** LIC's NAV's as on DATE_11.06.2009.....

*** LIC's NAV's as on DATE_10.06.2009.....

### LIC's Insurance Plans......

### Profit Plus(T-188)........ It is a unit linked...

### Unit plans (ULIPs).........

*** LIC's FUTURE PLUS (172) NAV's as on DATE_10.0...

*** LIC's PROFIT PLUS (188) NAV's as on DATE_10.0...

*** LIC's NAV's as on DATE_10.06.2009.......

*** LIC's FUTURE PLUS (172) NAV AS ON DATE 09.06.2...

*** LIC's NAV's AS ON DATE_09.06.2009...........

### LIC's Unit plans (ULIPs).........

*** LIC's NAV'S AS ON DATE_06.06.2009....

### To know your policy details, call up on 1251.....

### If Your (LIC) Policy Is Lost...........

### LIC's Jeevan Anand(T-149)---Benefits .......

### LIC's Jeevan Anand(T-149).......

*** LIC's (ULIP) HEALTH PROTECTION PLUS (T-902) NA...

*** LIC's (ULIP) PROFIT PLUS (188) NAV as on date...

*** LIC's (ULIP) MARKET PLUS (181) NAV as on date...

*** LIC's (ULIP) MONEY PLUS (180) NAV as on date_0...

*** NAV of FUTURE PLUS (172) on 06/06/2009.....

*** LIC's (ULIP) BIMA PLUS (T-140) NAV as on date...

*** LIC's NAV of ULIPs as on DATE_06.06.2009........

► May (40)

### LIC's Jeevan Anand(T-149)..........

### LIC's Profit Plus(T-188)...........

*** LIC's Unit plans..............

*** LIC's BIMA PLUS (140) NAV AS ON DATE 29.05.2...

*** LIC's FUTURE PLUS (172) NAV'S AS ON DATE 29.05...

*** LIC's NAV'S AS ON DATE_29.05.2009................

*** LIC's PROFIT PLUS (T-188) NAV AS ON DATE 27.0...

PROFIT PLUS (188) BOND FUND 10 12.4557 12.4557 1...

*** LIC's NAV'S AS ON DATE_27.05.2009.........

### Unit plans.......

### Pension Plans..........

### Insurance Plans..........

*** LIC's NAV'S AS ON DATE_26.05.2009......

*** LIC's - Komal Jeevan ( a Children's Money Back...

*** LIC's HEALTH PROTECTION PLUS (902) NAV as on d...

*** LIC's NAV as on date :23/05/2009.........

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WELCOME TO LIC-Balaji's Website.......

WELCOME TO LIC-Balaji's WebsiteFREE_Financial & Insurance Advisor.......Flash.... Flash.... Flash.... Flash....### LIC of India introduced it's New Health Protection Plan (902)* Health is a major concern on everybody's mind these days.With sky rocketing medical expenses, the possibility of any illness leading to hospitalization or surgery is a constant source of anxiety unless the family has actively provided for funds to meet such an eventuality.* Most families rarely provide for healthcare, and even if they do, it is grossly inadequate.Given this scenario, LIC has launched LIC's Health Protection Plus plan, a unique long term health insurance plan that can combine health insurance covers for the entire family (husband, wife and the children) ?* Hospital Cash Benefit (HCB) and Major Surgical Benefit (MSB) along with a ULIP component (investment in the form of Units) that is specifically designed to meet Domiciliary Treatment Benefit (DTB) / Out Patient Department (OPD) expenses for the insured members.For more info.Call:9849212164 (LIC-Balaji)

###---Child Future Plan ( A specially designed Plan)...........*This plan is specially designed to meet the increasing educational, marriage and other needs of growing children.*It provides the risk cover on the life of child not only during the policy term but also during the extended term (i.e. 7 years after the expiry of policy term).*A number of Survival benefits are payable on surviving by the life assured to the end of the specified durations.Note:For more informationCall:9849212164 (LIC-Balaji)LIC's - Komal Jeevan:*This is a Children's Money Back Plan that provides financial protection against death during the term of plan with periodic payments on survival at specified durations.*This plan can be purchased by any of the parent or grand parent for a child aged 0 to 10 years.Premiums:*Premiums are payable yearly, half-yearly, quarterly, monthly or through Salary deductions, as opted by you, up to the policy anniversary immediately after the life assured (child) attains 18 years of age or till the earlier death of the life assured. Alternatively, the premium may be paid in one lump sum (Single premium).###--MONEY PLUS - I (Plan No.193) New Plan........................DATE OF LAUNCH 22.05.2008*A unit linked-endownment plan.*Which offers investment-cum-insurance during the term of the policy.*Minimum Premium Rs.5000 p.a.*Min. entry Age : 0 years*Max. entry Age : 65 years*Policy term : 5 to 30 years*Min. Maturity Age : 18 years*Max. Maturity Age : 75 yearsNote:For more information Call:9849212164###----Jeevan Anand...........*This plan is a combination of Endowment Assurance and Whole Life plans.*It provides financial protection against death throughout the lifetime of the life assured with the provision of payment of a lump sum at the end of the selected term in case of his survival.Note:For more information Call:9849212164 (LIC-Balaji)###---Unit Plans....*Unit plans are investment plans for those who realise the worth of hard-earned money.*These plans help you see your savings yield rich benefits and help you save tax even if you don't have consistent income.###---Profit Plus( An Investment plan)....*It is a unit linked Endowment plan where the premium payment term (PPT) is limited to single lump sum, or uniformly over 3, 4 or 5 years.*You can choose the level of cover within the limits, which will depend on whether the policy is a Single premium or Limited premium contract, term chosen and on the level of premium you agree to pay.Note:For more information Call:9849212164 (LIC-Balaji)

For FREE Processing & More Information

Mobile: 09849212164ORMail: venkat9ram@gmail.comNOTE: we are not resposible for any mistake or any loss directly or indirectly based on information in this blogger.

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Advisor's Profile

Sri Venkat Ram ( SVR )

HYDERABAD, Andhra Pradesh, India

* An experienced faculty member of ECE (Electronics & Communication Engineering). View my complete profile

### LIC of India introduced it's New Health Protection Plan (902)

* Health is a major concern on everybody's mind these days.

With sky rocketing medical expenses, the possibility of any illness leading to hospitalization or surgery is a constant source of anxiety unless the family has actively provided for funds to meet such an eventuality.

* Most families rarely provide for healthcare, and even if they do, it is grossly inadequate.

Given this scenario, LIC has launched LIC's Health Protection Plus plan, a unique long term health insurance plan that can combine health insurance covers for the entire family (husband, wife and the children) ?

* Hospital Cash Benefit (HCB) and Major Surgical Benefit (MSB) along with a ULIP component (investment in the form of Units) that is specifically designed to meet Domiciliary Treatment Benefit (DTB) / Out Patient Department (OPD) expenses for the insured members.

For more info.Call:9849212164 (LIC-Balaji)

###---Child Future Plan ( A specially designed Plan)...........

*This plan is specially designed to meet the increasing educational, marriage and other needs of growing children.

*It provides the risk cover on the life of child not only during the policy term but also during the extended term (i.e. 7 years after the expiry of policy term).

*A number of Survival benefits are payable on surviving by the life assured to the end of the specified durations.

Note:For more information

Call:9849212164 (LIC-Balaji)

LIC's - Komal Jeevan:

*This is a Children's Money Back Plan that provides financial protection against death during the term of plan with periodic payments on survival at specified durations.

*This plan can be purchased by any of the parent or grand parent for a child aged 0 to 10 years.

Premiums:

*Premiums are payable yearly, half-yearly, quarterly, monthly or through Salary deductions, as opted by you, up to the policy anniversary immediately after the life assured (child) attains 18 years of age or till the earlier death of the life assured. Alternatively, the premium may be paid in one lump sum (Single premium).

###--MONEY PLUS - I (Plan No.193)

New Plan........................DATE OF LAUNCH 22.05.2008

*A unit linked-endownment plan.

*Which offers investment-cum-insurance during the term of the policy.

*Minimum Premium Rs.5000 p.a.

*Min. entry Age : 0 years

*Max. entry Age : 65 years

*Policy term : 5 to 30 years

*Min. Maturity Age : 18 years

*Max. Maturity Age : 75 years

Note:For more information Call:9849212164

###----Jeevan Anand...........

*This plan is a combination of Endowment Assurance and Whole Life plans.

*It provides financial protection against death throughout the lifetime of the life assured with the provision of payment of a lump sum at the end of the selected term in case of his survival.

Note:For more information

Call:9849212164 (LIC-Balaji)

###---Unit Plans....

*Unit plans are investment plans for those who realise the worth of hard-earned money.

*These plans help you see your savings yield rich benefits and help you save tax even if you don't have consistent income.

###---Profit Plus( An Investment plan)....

*It is a unit linked Endowment plan where the premium payment term (PPT) is limited to single lump sum, or uniformly over 3, 4 or 5 years.

*You can choose the level of cover within the limits, which will depend on whether the policy is a Single premium or Limited premium contract, term chosen and on the level of premium you agree to pay.

Note:For more information

Call:9849212164 (LIC-Balaji)