LICS JEEVAN PRAGATI PLAN

LIC's Jeevan Pragati Plan is a non-linked, with - profits plan which offers a
combination of protection and savings. This plan provides for automatic increase
in risk cover after every five years during the term of the policy. In addition, this
plan also takes care of liquidity needs through loan facility.

1. Benefits:
Death benefit
In case of death during the policy term, provided all due premiums have been
paid, Death benefit, defined as sum of "Sum Assured on Death ", vested Simple
Reversionary Bonuses and Final Additional bonus, if any, shall be payable.
This death benefit shall not be less than 105% of all the premiums paid as on date
of death.
Premiums referred above shall not include any taxes, extra amount chargeable
under the policy due to underwriting decision and rider premium, if any.

Maturity Benefit:

"Sum Assured on Maturity" equal to Basic Sum Assured, along with vested
Simple Reversionary bonuses and Final Additional bonus, if any, shall be
payable in lump sum on survival to the end of the policy term provided all due
premiums have been paid.

Participation in Profits

The policy shall participate in profits of the Corporation and shall be entitled
to receive Simple Reversionary Bonuses declared as per the experience of the
Corporation, provided the policy is in force. The Bonuses shall be declared on
the Basic Sum Assured.

Final Additional Bonus may also be declared under the policy in the year
when the policy results into a claim either by death or maturity.

2. Optional Rider:

The policyholder has an option of availing LIC's Accidental Death and

Disability Benefit Rider. Rider sum assured cannot exceed the Basic Sum
Assured.

LIC JEEVAN LAKSHYA

This plan provides for Annual Income benefit that may help to fulfil the needs of the
family, primarily for the benefit of children, in case of unfortunate death of
Policyholder any time before maturity and a lump sum amount at the time of maturity
irrespective of survival of the Policyholder.

1. Benefits:
Death benefit
On death of the Life Assured before the stipulated Date of Maturity provided the
policy is in full force by paying upto-date premiums, Death Benefit, defined as sum
of Sum Assured on Death, vested Simple Reversionary Bonuses and Final
Additional Bonus, if any, shall be payable.
Where Sum Assured on Death is defined as the sum of:
1. Annual Income Benefit equal to 10% of the Basic Sum Assured, which shall be
payable from the policy anniversary coinciding with or following the date of death of
Life Assured, till the policy anniversary prior to the date of maturity.
2. Assured Absolute Amount equal to 110% of Basic Sum Assured, which shall be
payable on due date of maturity

Maturity Benefit:

"Sum Assured on Maturity" equal to Basic Sum Assured, along with vested
Simple Reversionary bonuses and Final Additional bonus, if any, shall be
payable in lump sum on survival to the end of the policy term provided all due
premiums have been paid.

Participation in Profits:

The policy shall participate in profits of the Corporation and shall be entitled to
receive Simple Reversionary Bonuses declared as per the experience of the
Corporation, provided the policy is in full force.

In case of death under a policy which is in full force, the policy shall continue to
participate in profits upto the date of maturity and the entire vested Simple
Reversionary Bonuses and Final Additional Bonus, if any, shall be payable on
due date of maturity.

In case the premiums are not duly paid (except in case of death of the Life
Assured under inforce policy), the policy shall cease to participate in future
profits irrespective of whether or not the policy has acquired paid up value.

Optional Benefits:
The policyholder has an option of availing the following Rider benefit(s):

LICs Accidental Death and Disability Benefit Rider (UIN: 512B209V01)

LICs New Term Assurance Rider (UIN: 512B210V01)

Rider Sum Assured cannot exceed the Basic Sum Assured.

LIC JEEVAN AROGYA

LIC's Jeevan Arogya is a unique non-participating non-linked plan which

provides health insurance cover against certain specified health risks and
provides you with timely support in case of medical emergencies and helps you
and your family remain financially independent in difficult times.

LICs Jeevan Arogya gives you:

Valuable financial protection in case of hospitalisation, surgery etc

Increasing Health cover every year

Lump sum benefit irrespective of actual medical costs

No claim benefit

Flexible benefit limit to choose from

Flexible premium payment options

Very easy to choose your plan

Step 1: Choose the level of Health cover you need:

You can choose the amount of Initial Daily Benefit (i.e. the daily Hospital Cash
Benefit applicable in the first year of the policy) as per your need from out of
the following choices:

1000 per
2000 per day 3000 per
4000 per
day
day
day
This is the amount that will be payable to you in the event of hospitalisation in
the first year on a per day basis. The Major Surgical Benefit that you will be
covered for will be 100 times the Initial Daily Benefit you have chosen.

Thus the initial Major Surgical Benefit Sum Assured will be ` 1 lakh, 2 lakh, 3
lakh, 4 lakh respectively.

Other benefits such as Day Care Procedure Benefit, Other Surgical Benefit and
Premium waiver Benefit (PWB) mentioned below shall also be payable
depending upon the daily Hospital Cash Benefit chosen.

Step 2: Work out the premium payable along with our representative

Your premium will depend on your age, gender, the Health cover option you
have chosen, whether you are Principal Insured or other insured life and the
mode of payment.

Tables below give an indicative annual premium, payable yearly, for all health
benefits corresponding to an Initial Daily Benefit of ` 1000 per day, for some of
the ages in respect of various lives that can be covered under a single policy:

PRINCIPAL INSURED (Male)

SPOUSE (Female) / PARENT (Female)

Age at entry

Premium

Age at entry

Premium

20

1922.65

20

1393.15

30

2242.90

30

1730.65

40

2799.70

40

2240.60

50

3768.00

50

2849.10

CHILD
Age at entry

Premium

792.00

794.75

10

812.35

15

870.75

How long are each insured under this policy?

Each of the insured are covered for Health risks up to age (80). Children are
insured up to age 25 years.

LICs Jeevan Labh

LIC's Jeevan Labh is a limited premium paying, non-linked, with-profits

endowment plan which offers a combination of protection and savings. This
plan provides financial support for the family in case of unfortunate death of
the policyholder any time before maturity and a lump sum amount at the
time of maturity for the surviving policyholder. This plan also takes care of
liquidity needs through its loan facility.

1. Benefits:
Death benefit:

In case of death during the policy term, provided all due premiums have been
paid, Death benefit, defined as sum of "Sum Assured on Death", vested
Simple Reversionary Bonuses and Final Additional bonus, if any, shall be
payable.

Where, "Sum Assured on Death" is defined as the higher of 10 times of

annualised premium or Absolute amount assured to be paid on death i.e.
Basic Sum Assured . This death benefit shall not be less than 105% of all the
premiums paid as on date of death.

Maturity Benefit:

"Sum Assured on Maturity" equal to Basic Sum Assured, along with

vested Simple Reversionary bonuses and Final Additional bonus, if any, shall
be payable in lump sum on survival to the end of the policy term provided all
due premiums have been paid.

Participation in Profits:

The policy shall participate in profits of the Corporation and shall be entitled
to receive Simple Reversionary Bonuses declared as per the experience of
the Corporation, provided the policy is in full force.

Final (Additional) Bonus may also be declared under the policy in the year
when the policy results into a claim either by death or maturity.

Optional Benefit:
The policyholder has an option of availing the following Rider benefit(s):

i) LIC's Accidental Death and Disability Benefit Rider (UIN: 512B209V01)

ii) LIC's New Term Assurance Rider (UIN: 512B210V01)

Rider sum assured cannot exceed the basic sum assured.