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RenewalPolicy 10717798

Hi, Agent

Last sync · just now

Help the customer decide with clarity

Long Term Wealth·UIN 104N124V011·Issued 23 Apr 2022

Nominal value of continuation

₹14.72L

vs discontinuation · decision support, not independently verified

Annual income
₹82,630
Remaining premiums
7
Engine-backed · not a sales pitch

Recommended decision

Maximum contractual benefits

Continue paying to preserve the full benefit value.

Completing the remaining premiums preserves annual income of ₹82,630, Loyalty Booster of ₹16,526 a year, and a maturity benefit of ₹10,00,000.

Policy snapshot

Policy number

10717798

Entry age

35

Premium mode

Annual

Annualised premium

₹1,00,000

Premiums paid

3 of 10

Paid-to date

23 Apr 2025

Outstanding premium modelled

₹1,02,250

Policy year 4·Benefit date 23 Apr 2025

Remaining premiums

7 annual payments

Total future premiums

₹7,15,750

GST zero-impact date

22 Sept 2025

Decision from today

What changes if premiums stop?

Every number below is drawn from the illustration output.

Recommended

Continue all premiums

Full contractual benefits

Full benefits
Annual income
₹82,630
Loyalty Booster / year
₹16,526
Maturity benefit
₹10,00,000
Total future benefits
₹29,83,120
Future premiums to pay
₹7,15,750
XIRR from today
—

Reduced paid-up

Stop now / RPU

Reduced paid-up benefits

RPU
Annual income
₹24,789
Loyalty Booster / year
₹0
Maturity benefit
₹3,00,000
Total future benefits
₹7,95,780
Future premiums to pay
₹0
XIRR from today
—

Annual income reduction

₹57,841

Loyalty Booster lost

₹3,30,520

Maturity benefit reduction

₹7,00,000

Gross future benefit difference

₹21,87,340

Suggested renewal conversation

Decision support · Verified facts locked

Policy 10717798: 3 of 10 premiums are already paid. Completing the remaining 7 premiums (₹7,15,750; next due ₹1,02,250 on 23 Apr 2025) preserves annual income of ₹82,630, Loyalty Booster of ₹16,526 a year for 20 arrear years, and maturity of ₹10,00,000. If premiums stop now, the policy moves to reduced paid-up: annual income ₹24,789, Loyalty Booster ₹0, maturity ₹3,00,000. The modelled nominal value of continuation versus discontinuation is ₹14,71,590. An affordability path of 6 further premiums is also modelled, with total future benefits of ₹23,87,340 — this is decision support, not financial advice. Engine verdict: ADMIT WITH RESIDUALS. Residuals from the source output must be disclosed and must not be altered.

May be simplified or translatedValues cannot be alteredResiduals must be disclosed

Calculation facts

Basis used by the engine

Variant

Long Term Wealth

Policy term

32 years

Income begins

Policy year 13

Income term

20 years, arrear

Booster percentage

0%

Rate basis

prospectus_v12_illustration