पांच गुना कमीशन in जीवन उमंग ( 5 Times commission )

Serial no 7 on JEEVAN UMANG


सप्रेम नमस्कार दोस्तों,

" घरपे रहें ,स्वस्थ रहें मस्त रहें और व्यस्त रहें  
कुछ सीखते रहें और कुछ सिखाते रहें"

                      "पांच गुना कमीशन"

✓Normally under Jeevan Umang 

Plan : 945-15 

Investment ₹ 1,00,000 ( Approx)

Sum Assured : ₹ 12,50000 

Total invested  ₹1,00,000 X15yr = ₹15 lakh

✓Commission:For above case.

√First yrs : 35% with Bonus= ₹35,000/-

√2nd yr    : 7.5%= ₹7,500/-

√3rd yrs   :7.5%= ₹7,500/-

√4th yr to 15th yr : 5% X12yr = ₹5,000X12= ₹60,000/-

√Total commission in 15yr = 110% means 

TOTAL ₹ 1,10,000/- Receivable in 15yrs.

✓Now if you sale 3yrs short term or 5yr short term payment under 945-15 then...

Benefits to all...... Client + Agent+ DO+LIC

(Let me explain it for 3yr payment.)

A) Advantage to Investor: 

Investment in 3 instalment (short term) : 2yr & 1 month.

1st Month..1st Instalment

13th Month..2nd instalment

25th Month..3rd Instalment

Total period 2yr and 1day..( approx 2yrs)

Investment ₹ 5,00,000 each year.

Total invested  = 5,00,000 X 3 = 15 lakh 

√INSURED VALUE =₹ 12,50,000X5

=₹ 62,50,000( SA) Higher cover for 1st three years.

√Guaranteed paid up SA= (3/15)X62,50,000

=₹ 12,50,000 ( Fixed from 4th yr to 15th yr)

√Accumulated Bonus= 60X3X6250

=₹ 11,25,000  (with bonus rate 60/-) ( Fixed from 4th yr to 15th year)

√Total Guaranteed Paid up Value for client  = 12,50,000 +11,25,000 = ₹23,75,000

 √₹ 23,75,000 fixed and guaranteed (Death claim value in case) from 3rd year to 15th yr.... This is big & bigest plus point for short term investment strategy(IDEA)..... because fixed & guaranteed Paidup value is not available under any other plan with additional advantage of continuously growing/increasing it after ppt.

If you had regularly deposited yly premiums for 15yr, then claim value ( death calim) from 3rd yr to 14th yr will never compitable or equilent to ₹ 23,75,000 ..........So Guaranteed claim ₹ 23,75,000 from 3rd to 15th yr for 3yr short term investment..is a very positive & Profitable benefit..to client...

√Incase of emegecy client can have a good amount of loan available from ₹8.50 lakh to 15.50 lakf from 3rd yr to 15th yr 

B) Advantage to Agent:

5,00,000 yly in 3 instalment

Total commission Receivable : 

1st yrs : 35% with Bonus = ₹ 1,75,000/-

2nd yr    : 7.5% = ₹ 37,500/-

3rd yrs   :7.5% = ₹ 37,500/-

Total commissioner received ₹ 2,50,000/-

This commission recd in 25month(2yr)

1st Month..1st Instalment

13th Month..2nd instalment

25th Month..3rd Instalment

Now the value of this recd commission 

₹ 2,50,000 will be approximately  ₹5,00,000 (approx) in next 12yr ... which is equilent to almost 5 times of commission which agent could have received in regular paying term. Agent can be MDRT in 6-7 policies".

One more option...अगर एजेंट ने ₹ 1.25 lakh की Gold ornaments बनाकर अपनी वाइफ को दे दिए ,फिर भी Agent के पास ₹ 1.25 lakh कमीशन बचता है जो कि 15 साल की रेगुलर कमीशन से ज्यादा है.

One more option... अगर एजेंट  ने ₹1.5 lakh (from first commission) Jeevan shanti (immediate under option F) में इन्वेस्ट कर दिया तो हर साल ₹ 8000 की रिनुअल कमीशन ( guaranteed) आती रहेगी with safe  कैपिटल ₹1.5 lakh and इसके अलावा लगभग ₹25000 + 37500 + 37500 = 1,00,000 और भी उसके पास बचेगा , जो कि 15 साल की regular कमीशन के लगभग बराबर है

C) ADVANTAGE TO DO:

 *Full credit of premium , irrespective of 3yr or 5yr premium paid...

   *No lapsation issue for appraisal year.

My DO friends have another advantage  to create agency in HNI family...by explaining Actual High Rate of Return on net investment  (less commission recd in family agency) with Guaranteed Return @8% on Capital investment (Not on SA)

Please check out below....

Explanation for 5 lakh investment Yly in 24months ie 3 instalments.. (for HNI u can multiply)

√Invest 5 lakh X 3 = 15 lakhs

( Original  Sum Assured= 62.50 lakh & Paidup SA= 12.50 lakh after 3yrs)

√commission recd in family agency ₹2.5 lakh

√Net Investment ₹ 15lakh - ₹ 2.5 lakh = 12.50 lakh

√Return @8% on net invested ₹12,50,000 is tax free i.e. ₹ 1,00,000 (equilent to guaranteed @8% on Paid up value  of ₹12,50,000)

√HNI familes normally are from business community, so they can use on 4th year (loan) 68% of invested amount (approx)₹8.60 lakh out of net invested ₹ 12.5 lakh to generate additional profit thru their business.

D) ADVANTAGE TO LIC: 

Full ₹ 15 lakh collection done by LIC..

दोस्तों यह मेरे अपने व्यूप्वाइंट है आपको अगर अच्छे लगते हैं तो आप अपने DO's दोस्तों से अपने फ्रेंड से अपने agents से शेयर कर सकते हैं . एजेंटस बहुत जल्दी MDRT बन सकते हैं👍👍...

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"एक IDEA को अपना बना लो, मन‌ मे बसा लो,
एक IDEA आपकी जिंदगी पैसों से बदल देगा"

Best of luck to all

N.R. Singh
DEV.OFFICER
9820437671
LIC BR 912
MUMBAI
MAHARASHTRA
INDIA