1. LIC’s New Jeevan Nidhi Plan No. 812

2. LIC’s New Jeevan Nidhi - Highlights Life Protection ~ Insurance Cover upto Date of Vesting Pension ~ Option To purchase an Immediate Annuity or To purchase New Single Premium Deferred Pension Plan Guaranteed Additions ~ F or the first 5 years @ Rs.50‰ Basic Sum Assured

3. LIC’s New Jeevan Nidhi - Highlights Participation in Profits ~ After 6 th policy year, benefit of Vested Bonus and Final Additional Bonus (if any). Flexibility ~ Premium Payment Frequency-SinglePremium, Yearly,Half-yearly,Quarterly,Monthly(ECS/SSS) Customisation – Option for Accident Benefit Rider under Regular Premium Policies only.

4. DescriptionMinimumMaximum Age at Entry 20 years60 years Age at Vesting 55 years65 years Deferment period 5 years35 years Sum Assured Single Premium Rs.150000/- No Limit Regular Premium Rs.100000/- The Sum Assured under Basic Plan shall be in multiples of Rs.5000/- Premium Mode Single Premium, Yearly, Half-yearly, Quarterly, Monthly [ECS or SSS] LIC’s New Jeevan Nidhi- Eligibility Conditions

5. LIC’s New Jeevan Nidhi - Benefits Benefit on Vesting Basic Sum Assured + Accrued Guaranteed Additions + Vested Simple Reversionary Bonuses &Final Additional Bonus(if any) Commute as per Income Tax rules and purchase Immediate Annuity with the balance amount at the then prevailing Immediate annuity rate Purchase a new Single Premium deferred pension product from LIC

6. LIC’s New Jeevan Nidhi - Benefits Death Benefit First 5 policy years 6 th year onwards Basic Sum Assured + Accrued Guaranteed Additions Basic Sum Assured + Accrued Guaranteed Additions + Vested Bonuses & Final Additional Bonus (if any ) The Benefit shall be paid to the nominee as lump sum OR In the form of Annuity OR Partly in lump sum and balance in the form of Annuity at the then prevailing Immediate annuity rates

7. LIC’s New Jeevan Nidhi - Profits Guaranteed Additions Payable for the first five years @ Rs.50/- per thousand Basic Sum Assured for each completed year. Participation in profits Simple Reversionary Bonus shall be added from the 6 th policy year onwards till the end of the deferment period and at such rates as may be declared by the Corporation. Final Additional Bonus shall be payable either on vesting or on earlier death at the rates declared by the Corporation.

8. EventBenefits Death due to Accident Accident Benefit Sum Assured will be payable as lump sum along with the death benefit under the Basic plan. Disability due to Accident All Future Premiums are waived and An amount equal to the Accident Benefit Sum Assured will be paid in monthly installments spread over 10 years. DescriptionMinimumMaximum Age at Entry20 years60 years Sum AssuredRs. 25000/- Rs.50 lakh overall limit considering the Accident Benefit Sum Assured in respect of all existing/proposed individual life insurance and group policies TermSame as Basic Plan LIC’s New Jeevan Nidhi – Accident Benefit Rider Eligibility Condition for Accident Benefit Rider

9. LIC’s New Jeevan Nidhi - Other features Back –dating – Allowed within same Financial year. Revival -A policy may be revived within a period of 5 years from the date of First Unpaid premium and before the date of vesting by payment of Arrears of premium plus Interest and subject to continued insurability. Surrender-The policy can be surrendered at any time on payment of at least 3 years’ premiums and after completion of at least 3 policy years but before the date on which annuity vests. The Surrender Value payable shall be the higher of Guaranteed Surrendered Value and Special Surrender Value. The Surrender proceeds shall be utilized to purchase an immediate annuity product or a new Single Premium deferred pension product from LIC. Claims Concession - Allowed

10. DescriptionSingle PremiumRegular Premium Age35 years Policy Term25 years Premium (exclusive of service tax) Rs. 78,667Rs. 4,121 ModeSingleYearly Sum Assured1,50,0001,00,000 Vesting Age60 Years Guaranteed Vested Benefit 1,87,5001,25,000 Assuming Investment Return at 8 % 3,50,2502,33,500 LIC’s New Jeevan Nidhi - Benefit Illustration

11. Jeevan Nidhi meets all your needs across the time horizon- Life cover now and Pension afterwards! Life Insurance cover till the date of vesting- For the wellbeing of your loved ones! And Annuity/Pension after vesting- For your wellbeing in later years!!! Why-LIC’s New Jeevan Nidhi !!!