1. LIC presents Jeevan Saathi, the only true Joint Life insurance policy

2. LIC presents Jeevan Saathi – the only true Joint-Life insurance policy attractions Risk cover to both husband & wife through a single policy. Premium marginally higher than premium for risk cover on a single life. Both husband and wife can avail of accident cover. Guaranteed sum assured in case of unfortunate death of one of the lives before maturity and risk cover on the other life continues. Second sum assured paid on survival of second life till maturity or death, if earlier. Intro Intro Features Benefits IllustrationsFeaturesBenefits Illustrations

3. LIC presents Jeevan Saathi – the only true Joint-Life insurance policy attractions Premium Waiver in case of unfortunate death of one life before maturity – all premiums waived. Policy is a with profit policy and vested bonuses calculated on the basic sum assured are paid on date of maturity or along with sum assured on death of second life, if earlier. Bonus continues to accrue even during premium waiver period. Intro Intro Features Benefits IllustrationsFeaturesBenefits Illustrations

4. LIC presents Jeevan Saathi – the only true Joint-Life insurance policy features Who can avail of this plan? This policy is issued on the lives of husband and wife with minimum age nearer birthday of both lives being 20 years and maximum age nearer birthday of both lives being 50 years. For how many years is risk cover provided? Choice of policy terms available is between 15 to 30 years with maximum age at maturity allowed being 70 years on older life. For how long is premium payable ? Upto date of maturity or unfortunate death of first life, if earlier. Intro Intro Features Benefits IllustrationsFeaturesBenefits Illustrations

5. LIC presents Jeevan Saathi – the only true Joint-Life insurance policy features For what sums assured can the policy be issued ? The minimum sum assured is Rs. 50,000. If female life is Category I, the sum assured depends on income. If female life is Category II, maximum sum assured is Rs. 50 lakhs. For housewives, maximum sum assured is Rs. 10 lakhs subject to maximum of husband’s insurance, provided she is a graduate and holds a driving license, credit card, passport etc. For other Category III female lives, maximum sum assured is Rs. 1,00,000. Intro Intro Features Benefits IllustrationsFeaturesBenefits Illustrations

6. LIC presents Jeevan Saathi – the only true Joint-Life insurance policy features Is accident cover available to both lives? Yes, for a small additional premium subject to specified overall limit on both lives. Accident benefit equal to basic sum assured is paid in case of accidental death of first life. Accident benefit on second life is payable on accidental death of second life, either simultaneously or separately from first life. Is loan available under the plan? Yes, loan is available under the plan. Intro Intro Features Benefits IllustrationsFeaturesBenefits Illustrations

7. LIC presents Jeevan Saathi – the only true Joint-Life insurance policy benefits Maturity Benefit: If one or both lives survive till date of maturity, the sum assured along with the vested bonuses will be payable. Death Cover : Sum assured is paid on the first death and again on the death of the survivor during the term of the policy. Vested bonuses would also be paid along with the sum assured or on second death, if it occurs earlier. Intro Intro Features Benefits IllustrationsFeaturesBenefits Illustrations

8. End of year Total premiums paid till end of year Benefit payable on first death of lives covered Benefit payable on second death of lives covered during the policy term or on survival of one or both the lives till the date of maturity Guaranteed VariableTotal Scenario 1Scenario 2Scenario 1Scenario 2 15,3611,00,000 2,1005,700102,100105,700 210,7221,00,000 4,20011,400104,200111,400 316,0831,00,000 6,30017,100106,300117,100 421,4441,00,000 8,40022,800108,400122,800 526,8051,00,000 10,50028,500110,500128,500 632,1661,00,000 12,60034,200112,600134,200 737,5271,00,000 14,70039,900114,700139,900 842,8881,00,000 16,80045,600116,800145,600 948,2491,00,000 18,90051,300118,900151,300 1053,6101,00,000 21,00057,000121,000157,000 1580,4151,00,000 31,50085,500131,500185,500 20107,2201,00,000 56,000152,000156,000252,000 25134,0251,00,000 69,500189,500169,500289,500 Illustration 1 (Table 89) : Age at entry : 35 years (Equivalent age) Policy Term : 25 Years Mode : Yearly Sum Assured : Rs. 1,00,000 /- Annual Premium : Rs. 5361 /- illustrations LIC presents Jeevan Saathi Intro Intro Features Benefits IllustrationsFeaturesBenefits Illustrations

9.  This illustration is applicable to a non-smoker male/female standard (from medical, life style and occupation point of view) life.  The non-guaranteed benefits (1) and (2) in above illustration are calculated so that they are consistent with the Projected Investment Rate of Return assumption of 6% p.a.(Scenario 1) and 10% p.a. (Scenario 2) respectively. In other words, in preparing this benefit illustration, it is assumed that the Projected Investment Rate of Return that LICI will be able to earn throughout the term of the policy will be 6% p.a. or 10% p.a., as the case may be. The Projected Investment Rate of Return is not guaranteed.  The main objective of the illustration is that the client is able to appreciate the features of the product and the flow of benefits in different circumstances with some level of quantification.  Future bonus will depend on future profits and as such is not guaranteed. However, once bonus is declared in any year and added to the policy, the bonus so added is guaranteed.  The Maturity Benefit is the amounts shown at the end of the policy term.  Equivalent age for premium calculation is worked out by referring to actual ages of the lives covered. Illustrations : assumptions and disclaimer LIC presents Jeevan Saathi Intro Intro Features Benefits IllustrationsFeaturesBenefits Illustrations