1. Anmol Jeevan - II
Plan No. 822
PRESENTED BY: -
SUMEET PAWAR
( INSURANCE ADVISOR)
CONTAC TS: -
(+91) 7738546484
(+91) 9773757120

2. Features
LIC’s Anmol Jeevan - II is a protection plan which
provides financial protection to the insured’s
family in case of his/her unfortunate demise.

3. Benefit
 Death Benefit: (deal with sudden financial crisis)
In case of unfortunate death of the Life Assured during the
policy term Sum Assured shall be payable.

4. Benefit
 Maturity Benefit: (Term-End Benefit)
On survival to the end of the policy term, nothing shall be
payable.

5. Benefit Illustration
Details Value
Age 30 years
Term 25 years
Premium Paying Term 25 years
Sum Assured Rs 6,00,000
Premium Paid (incl. ST) – Yearly Mode Rs 2,387 (Rs 2,124 + Rs 263)
Premium Paid (incl. ST) – Half Yearly Mode Rs 1,217 (Rs 1,083 + Rs 134)

6. Eligibility Conditions & Other Restrictions
Details Value
Minimum Entry Age 18 years (completed)
Maximum Entry Age 55 years (nearest birthday)
Maximum Cover Ceasing Age 65 years (nearest birthday)
Minimum Policy Term 5 years
Maximum Policy Term 25 years
Minimum Sum Assured Rs 6,00,000
Maximum Sum Assured Rs 24,00,000
Sum Assured will be in multiple of Rs 1,00,000
Premium Payment Mode Yearly & Half Yearly

7. Payment of Premiums
 Premiums can be paid regularly during the term of
the policy at yearly or half-yearly intervals.
 A grace period of one month but not less than 30
days will be allowed for payment of premiums.

8. Sample Premium Rates
Following are some of the sample annualized premium rates (exclusive of service
tax) per Rs. 1000/- Sum Assured
Age Terms
5 years 10 years 15 years 20 years 25 years
20 2.09 2.09 2.09 2.16 2.31
30 2.31 2.37 2.65 3.02 3.54
40 3.48 4.10 5.07 6.03 7.05
50 7.91 9.44 11.21 - -

9. Revival
 If premiums are not paid within the grace period then the policy will
lapse. A lapsed policy can be revived within a period of 2 consecutive
years from the date of first unpaid premium but before the expiry of
policy term, by paying all the arrears of premium together with interest
(compounding half-yearly) at such rate as fixed by the Corporation at
the time of payment, subject to submission of satisfactory evidence of
continued insurability.
 The cost of the medical reports, including special reports, if any,
required for the purpose of revival of the policy, shall be borne by the
Life Assured.
 The Corporation reserves the right to accept at original terms, accept at
revised terms or decline the revival of a discontinued policy. The revival
of discontinued policy shall take effect only after the same is approved
by the Corporation and is specifically communicated to the
Policyholder.

10. Cooling-off Period
If the Policyholder is not satisfied with the “Terms and
Conditions” of the policy, the policy may be returned
to us within 15 days from the date of receipt of the
policy bond stating the reason of objections. On
receipt of the same the Corporation shall cancel the
policy and return the amount of premium deposited
after deducting the proportionate risk premium for
the period on cover, stamp duty charges, expenses
for medical examination and special reports, if any.

11. Claims Settlement Report of all Life
Insurance Companies in India (IRDA Annual Report 2012-13)

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