Nominal value of continuation
₹14.72L
vs discontinuation · decision support, not independently verified
- Annual income
- ₹82,630
- Remaining premiums
- 7
Hi, Agent
Last sync · just now
Long Term Wealth·UIN 104N124V011·Issued 23 Apr 2022
Nominal value of continuation
₹14.72L
vs discontinuation · decision support, not independently verified
Recommended decision
Maximum contractual benefitsCompleting 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 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
Every number below is drawn from the illustration output.
Recommended
Full contractual benefits
Reduced paid-up
Reduced paid-up benefits
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
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.
Calculation facts
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