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LIMITED ENDOWMENT INSURANCE PLAN :48

Features of Plan: A flexible plan for the policyholder to select PPT of his own choice just as in the case of limited payment whole life policies, here, too, the payment of premium can be limited either to a single payment or to a term shorter then the policy. The endowment is, however, payable only at the end of the policy term, or on death of the policyholder if it place earlier.

Being an endowment assurance policy, this plan is suitable for the people of all ages and social group who wish to protect families from a financial setback that may occur owing to their demise. The amount assured if not paid by reason of his death earlier, will be payable at the end of the endowment term where it can be invested in an annuity provision for the rest of the policyholder's life or in any other way he may think most suitable at that time.

Plan parameters

Age at entry: Min.12yrs, Max. 65 yrs (NBD)
Maturity Age: Max. 70 yrs (NBD)
SUM Assured: Min. 50,000, Max. No. Limit
S.A. in Multiples: 5000
Term: Min. 5 yrs, Max. 25 yrs Regular Max. 50 yrs S.P.
Mode of payment: YLY/ HLY/ QLY/ SSS/ MLY/ single pemium
Accident Benefit: Re. 1 extra per
(Max. 50 Lac inclusive 1000 S.A.
TEM
Policy Loan: yes after 3 yrs DOC
Housing Loan: yes
Assignment: yes
Revival: yes
Surrender of policy: yes
Term: yes
CIR: yes

Under writing
Form no.: 300/340
Age proof: std./ NSAP-1,2,3
Female lives category: I/II/III
Non-medical (Gen): Allowed
Non-medical (pro): Allowed
Non-medical (special): Allowed
Actual sum assured: Basic SA
Risk coverage: SA+ vested bonus+ FAB, if any
Dating back @ 8%: Allowed

Benefits
This is the most popular from of life assurance since it not only makes provision the family of the life assured in the event of his early death, but also assured a lump sum at any desired age. The amount assured, if not paid by reason of his early death, become payable at the endowment term when it may be invested to provide an annuity during the remainder of his life or in any other way he may think most suitable at the time.

Survival Benefits:
payment of S.A. + FAB, if any.

Death Benefit:
Payment of full S.A. + vested bonus. Final additional bonus is also given. If premium paid is for 17 yrs or more

Example:
Mr. Abhishek Bachhan, aged 30 years invests Rs.2 Lac in an endowment assurance policy (with profits) payable after 25 years with the term premium limited to 20 years only. He pays Rs.8608/- as annual premium. On maturity, at the end of 25 years, he will get Rs.5,37,000/- (Rs.2,00,000 + bonus as per bonus rate of 2005 @ Rs.51/- per thousand per annum i.e. 51 x 25 x 200 = 2,55,000 +Rs.82,000 as final additional bonus @ 410 per thousand for 25 years).

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