आज हम आपको LIC की एक खास पॉलिसी जीवन उमंग के बारे में बता रहे हैं, जो 90 दिन से लेकर 55 साल तक के उम्र के लोगों के लिए खरीदी जा सकती है.
यह एक ऐसी योजना है जो कि 100 वर्ष की आयु तक कवर प्रदान करती है.
इसमें पॉलिसी की परिपक्वता (maturity) या फिर पॉलिसीहोल्डर की मौत की सूरत में आपके परिजनों को एकमुश्त राशि दे दी जाती है.
15, 20, 25, 30 सालों के विकल्पों के साथ उपलब्ध होगी. इसमें जीवन बीमा कवर
आपको जीवन बीमा का 8 फीसदी रिटर्न जीवन भर के लिए हर साल मिलता है.
Product
Summary :
Jeevan Umang Plan (945) is a non-linked, with-profits whole life assurance plan. This plan provides for annual survival benefits from the end of the
Jeevan Umang Plan (945) is a non-linked, with-profits whole life assurance plan. This plan provides for annual survival benefits from the end of the
15 year
20 year
25 year
30 year
Minimum Entry Age :
[90]days (completed)
Maximum Entry Age :
55 years (Nearest Birthday) for PPT = 15
50 years (Nearest Birthday) for PPT = 20
45 years (Nearest Birthday) for PPT = 25
40 years (Nearest Birthday) for PPT = 30
Minimum Sum Assured :
2,00,000
Maximum Sum Assured :
NO LIMIT (Depending upon Income)
Premium Payment Mode:
Yearly, Halfly, Quarterly, Monthly(ECS
Policy Benefits :
On Death :
On death before the commencement of Risk:
An amount equal to the total amount of premium/s paid without interest shall be payable.
On death after commencement of Risk:
Sum Assured on Death+vested simple reversionary Bonus + FAB if any.
On Survival :
On survival 8% of Basic Sum Assured shall be payable each year
EXAMPLE
CUSTOMER NAME = SONU
AGE = 25
POLICY PPT = 20
TERM RICKS COVER = 100 YEARS ( 100 - 25 = 75)
PENSION MONEY BACK = 21YEARS START LIFE TIME
MATURITY = 20 YEARS AFTER ANY TIME
1st year Premium With GST 4.5% :
Yearly : 55499 (53109 + 2390)
Halfly : 28035 (26828 + 1207)
Quarterly : 14160 (13550 + 610)
Monthly(ECS) : 4720 (4517 + 203)
YLY Mode Average Prem/Day : 152
2ND year Premium With GST 2.25% :
Yearly : 54304 (53109 + 1195)
Halfly : 27432 (26828 + 604)
Quarterly : 13855 (13550 + 305)
Monthly(ECS) : 4619 (4517 + 102)
YLY Mode Average Prem/Day : 148
PENSION MONEY BACK STARTING = 21 YEARS
CUSTOMER AGE ( 25 + 20 ) = 45YEARS
PENSION MONEY BACK AMOUNT = 80000 RS\
PER ANNUAL LIFE LONG GRANTEED FIXED
, TAX FREE AMOUNT { U/S 10(10D) } 80000 RS
PER ANNUAL LIFE LONG GRANTEED FIXED
, TAX FREE AMOUNT { U/S 10(10D) } 80000 RS
TOTAL MATURITY AMOUNT = 16150000
( 1
CRORE 61 LAkh 50000 thousand )
Very Nice Article ..Keep Posting more LIC Plans.
ReplyDeleteCan we take Jeevan Umang policy as Annuity Plans ?