SAFE , REALISTIC HIGH & TAX FREE RETURN (936-21)

Serial No.03 on JEEVAN LABH

( Maturity & Investment & Rate of Return)

Hello Friends.

I hope each one of you must be taking proper care of yourself and your family from pandemic corona virus ..that is primarily essential prior to any assignment.

In previous blog serial  No. 01 & serial No.02 on Jeevan labh ( Maturity & Investment & Rate of Return, CAGR) ,we  learned "TRICK"/ "IDEA", calculations and  how to know or how to remember the Maturity and Investment/premium for all 3 Jeevan labh.......

Today's blog ,we will try to learn the Rate of Return /'Compounding Annually Growth Rate" (CAGR), calculations on Saving / premium/Investments.........under 936/21(15) & Comperision with Bank saving/investment/RD/FD.

Client Saving  ₹1 lakh Yly for 15yr on Interest@7.0% Compd Annually then Maturity ₹ 40,35,169.00 lakhs on 21st yrs.

    Value at the end of 21 yr is ₹ 40.35 lakh

936-21(15) Presentation 

Calculations for 936-21(15) with Same Premium without GST, Aprrox ₹ 1 lakh for same period (15yr) and Maturity on 21st yrs with current declared Bonus Rate.

          SUM ASSURED : 19,20,000

   936-21(15)Maturity Value ₹ 40.07 lakhs

✓ Maturity Value Almost near to CAGR @7.0% of saving account.. I Can say almost same with current declard bonuses.

✓ Complimentry cover or Cover of 19 lakhs to 40 lakh at the price of GST..4450 + (2225 x14=31,150) ,total ₹ 35,600/-
✓ Since GST is mandatory central govt and state govt charges ..this GST part can not be considered as saving component for return.....In this case insurance cover 19 to 40 lakh is Complimentary along with 7% actual return on actual saving.

( in above example..DAB not opted due to optional rider )

✓MATURITY BREAK-UP OF JEEVAN LABH (AS PER ME WITH CURRENT BONUS Rate)

(A)Return  @7.0% on saving of 1 lakh yly compounding (CAGR) = ₹40,35,000

                       - Less

(B) GST OR (cost of cover) = ₹ 35,600.00

                        Balance

(C) ₹ = 39,99,400/- which is almost same as 40,07,000 for rate of return explanation.

Total Maturity  = ₹ 40,07,000
Note:  Indirectly complimentry cover 19 lakh to 40 lakh is "FREE TERM INSURANCE" along with CAGR  @7% on savings/investment. 

Bank RD/FD with same 1 lakh saving for same period...and zero life Cover for entire period of 21yrs.

Net Returns ₹26.62 lakhs from bank after taxation @31%  

I hope, now you can verbally able to calculate either investment or Maturity along with rate of return in 936-25(26)  & 936-21(15) .

I hope you understood, positive advantageous difference in favour 936-21(15) over Bank savings/Investment.

     (Future Value = SA+ declared Bonus)

Note: All above calculations are based on current Bonus rates..for the educational purpose.

Click heret Join Telegram group for auto update on PLAN SELLING IDEA'S

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

दोस्तों एग्जांपल ₹100000 इंवेस्टमेंट का बनाया है आप चाहे तो 50000 OR 25000 OR  200000 OR 5,00,000 का भी बना सकते हैं और किसी भी InvestmenT / Saving केे साथ Complimentry Cover OR Free Cover दे सकते है. 

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

Next Blog Serial No.04 will be only on JEEVAN LABH 936-16(10) on Investment & Maturity & Rate of Return & Comparision with other options with Bank FD etc...with additional selling ideas for plan Jeevan labh...intazaar kijiye...

N. R. Singh
DEV.OFFICER,Mob.no 9820437671           LIC BR 912/ MDO IV / MUMBAI MAHARASHTRA / INDIA

BIGGER + BETTER RETURN = जीवन लाभ with Complimentry Cover

Serial No.02 on JEEVAN LABH

( Maturity & Investment & Rate of Return)

Hello Friends.

In our last blog serial  No. 01 on Jeevan labh ( Maturity & INVESTMENT) ,we  learned "TRICK"/ "IDEA", how to know or how to remember the Maturity and Investment for all 3 terms of Jeevan labh.

 Today's blog ,we will try to learn the Rate of Return /'Compounding Annually Growth Rate" (CAGR) calculations on Saving / Investments.........under 936/25(16)

Client Saving  ₹1 lakh Yly for 16yr on Interest@7.5% Compd Annually then Maturity ₹ 59,92,911.00 lakhs on 25th yrs.

Presentation-I

Calculations for 936-25(16) with Same Premium with including GST, Aprrox ₹ 1 lakh for same period (16yr) and Maturity on 25th yrs with current declared Bonus Rate.

                Sum Assured : 22,30,000

✓MATURITY VALUE ₹ 60,21,000.00

✓ Almost ₹ 29000 More then (59.92 lakh) @7.5%.. I Can say this additional ₹ 29000 is almost refund of GST with Maturity Value of 59.92lakh

✓Free cover or Complimentry cover 23 lakhs to 60 lakhs.

                       OR

PRESENTATION-II 

Calculations for 936-25(16) with Same Premium without GST, ₹ 1 lakh for same period (16yr) and Maturity on 25th yrs with current declared Bonus Rate.

    Sum Assured : 22,50,000

✓MATURITY VALUE ₹ 60,75,000.00

✓ Almost ₹ 83000 More then investment return @7.5%.. ..I Can say this additional ₹83000 money is full Refund of GST & almost full Refund of DAB rider Money ( if opted) with Maturity Value of 59.92lakh

✓Free cover or Complimentry cover 23 lakhs to 60 lakhs.

✓Actual Saving 1 lakh X16 yr = 16 lakhs

                      And

✓GST @4.5%=4500 First year

2ndyr GST @2.25%=2250 X15yr = 33750 /-

✓Total GST ₹ =4500+33750= ₹ 38,250/-

✓ DAB Rider ₹ 45000 (if opted)

( in above example..DAB not opted)

✓✓MATURITY BREAK-UP OF JEEVAN LABH (AS PER ME WITH CURRENT BONUS)

(A)Return  7.5% on saving of 1 lakh yly compounding (CAGR) = ₹59,92,911.0

                       And

(B)Refund of GST        = ₹ 38,250.00

                         And

(C)Refund of DAB Rider(if opt)=₹ 45000.00

                                And

(D)Free / Complimentry cover upto 60.75 lakh starting from 23 lakhs.

        

Total Maturity A+B+C = ₹ 60,75,000

Note: Above calculations based on current Bonus rates..

Click here to Join Telegram group for auto update on PLAN SELLING IDEAS

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

दोस्तों मैंने एग्जांपल ₹100000 इंवेस्टमेंट का बनाया है आप चाहे तो 50000 OR 25000 OR  200000 OR 5,00,000 का भी बना सकते हैं और किसी भी INVESTMENT / Saving केे साथ Complimentry Cover OR Free Cover दे सकते है. 

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

Next Blog SERIAL NO.03 will be on JEEVAN LABH 936-21(15) & 936-16(10) on Investment & Maturity& Rate of Return & Comparision with other options.

N.R. Singh
DEV.OFFICER
9820437671
LIC BR 912/MDOIV/FORT/MUMBAI
MAHARASHTRA,INDIA

HIGH RETURN + HIGH COVER =जीवन लाभ (SUPER JEEVAN SHREE)

SERIAL NO.01 

ON JEEVAN LABH

Hello-Friends ,

New series on Jeevan labh for Marketing

दोस्तो सबसे पहले हम जीवन लाभ के तीनों 

936-25(16),936-21(15) & 936-16(10)

का मैच्योरिटी एंड प्रीमियम कैलकुलेशन simple तरीके से Mentally समझने की कोशिश करेंगे.

जिससे कस्टमर के सामने इंसटैंटली मेच्योरिटी एंड प्रीमियम/Investment  बता सके (approximately) बगैर मोबाइल और कैलकुलेटर का यूज किए हुऐ.

 इस Technique से 5-10 सेकंड में Maturity & Investment दोनों approx, mind में कैलकुलेट कर सकते हैं

                              

*दोस्तों  एक simple कैलकुलेशन फार्मूला है Example for Investment  ₹ 1 lakh yly.

936-25(16) के लिए... आप very simply &  easily याद रख सकते हैं.अपने client/agent को बता सकते है..सबसे पहले Investor को age-wise 3 different categories में divide किजीऐ  A1, B1 & C1 

For all Age....08 to 28 yr ...A1

(Aprrox ₹1 Lakh..Investment with GST)

                         AND

For all Age....29 to 38 yr...B1

(Aprrox ₹1 Lakh..Investment without GST)

                         AND 

For all Age....39 to 45yr...Category--C1

 (Approx ₹ 1.02 Lakh to 1.08 lakh Invest without GST) 

                          AND

For age 46-50 plan is costly investment

Yearly Investment X 60 times = Maturity 

Example: Investment Yly  ₹ 1 lakh (aprrox) under  936-25(16),  SA: 22,30,000

Maturity = ₹1,00,000 X 60 times

                = ₹ 60 lakhs

Actual Premium = ₹ 99,685 (Aprrox 1 lakh)   ₹ 1 Lakh X 60 times = 60 Lakh (Approx)

936-21(15) के लिए...आप very simply &  easily याद रख सकते हैं.अपने client/agent को बता सकते है.....सबसे पहले Investor को age-wise 3 different categories में divide किजीऐ  A2, B2 & C2

For all Age....08 to 28 yr ...A2

(Aprrox ₹1 Lakh..Investment without GST)

                         AND

For all Age....29 to 35 yr...B2

(Aprrox ₹1 Lakh..Investment without GST)

                         AND 

For all Age....36 to 45 yr....C2

(Aprrox ₹1.02 to 1.08 Lakh..Investment without GST)

                         AND

(For age 46-54yr plan is costly for investment)

                        

Yearly Investment X 40 times = Maturity 

Example: Investment Yly ₹ 1 lakh (aprrox)

936-21(15),  SA: 19,20,000                         Maturity = ₹1,00,000 X 40 time 

 = ₹ 40 lakhs

Actual Premium = ₹ 1,00,034 (Approx 1 lakh)   ₹ 1 Lakh X 40 times = 40 Lakh (Approx)

936-16(10) के लिए...आप very simply &  easily याद रख सकते हैं.अपने client/agent को बता सकते है...Actual Investment A3,B3 &C3

For all Age....8 to 28 yr.....A3

(Aprrox ₹1 Lakh..Investment without GST)

                         AND

For all Age....29 to 40 yr....B3

(Aprrox ₹1 Lakh..Investment without GST)

                         AND 

For all Age....41 to 52yr.....C3

 (Approx ₹ 1.02 Lakh to 1.08 lakh Invest without GST) 

                           AND

(For 53-59yr plan is costly for investment)

 Example: Investment Yly ₹ 1 lakh (aprrox)

936-16(10),  SA: 12,10,000                         Maturity = ₹1,00,000 X 20.85 time 

 = ₹20.85 lakhs

Actual Premium = ₹ 1,00,034 (Approx 1 lakh)   ₹ 1 Lakh X 20 times = 20 Lakh (Approx)

       

दोस्तों  मैंने 3 एग्जांपल दिऐ है आप ऐ एग्जांपल्स अपने एजेंट को भेजिए और एजेंट को जीवन लाभ की मैच्योरिटी और प्रीमियम दोनों याद रहेंगे. एजेंट हमेशा client से मिनिमम ₹100000 प्रीमियम को इन्वेस्टमेंट करने की बात करेगा और वह Habitual हो जाएगा सभी क्लाइंट से मिनिमम ₹100000 इंवेस्टमेंट  की बात करने के लिए

Click here to Join Telegram group for update on LIC PLAN SELLING IDEAS

दोस्तों यह मेरे अपने व्यूप्वाइंट है  टू एजुकेट, आपको अगर अच्छे लगते हैं तो आप अपने DO's दोस्तों से अपने फ्रेंड से अपने agents से शेयर कर सकते  for education purpose . आपके एजेंटस बहुत जल्दी MDRT बन सकते हैं👍👍...
दोस्तों मैंने एग्जांपल ₹100000 इंवेस्टमेंट का बनाया है आप चाहे तो 50000 OR 25000 OR 75,000 OR  200000 OR 5,00,000 का भी बना सकते हैं और किसी भी INVESTMENT KI MATURITY मन में कैलकुलेट करके दे सकते है. 

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

Next Blog SERIAL NO.02 ON JEEVAN LABH will be on Rate of Return on Investment.

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