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LIC New Jeevan Anand Plan (815)

We, being a distinguished name in the market, indulge ourselves in offering LIC New Jeevan Anand Plan (815). We meet the customized requirements of the clients being a devoted Service Provider. Our plan covers majority of potential perils. It is designed in a manner that we can provide our clients complete protection and risk coverage against the specified risks. With a team of financial experts on board, we enable ourselves to shield the clients by making use of the vast expertise on our hands.


Additional Information :

  • New Jeevan Anand (Plan N0:815) Jeevan Anand is one of the most sold endowment plans of LIC, which provides Risk Cover even after maturity up to IDG years of age. LIC has launched New Jeevan Anand (Plan No: B15) in new avatar. This plan also provides double accidental benefit in case of accidental death up to Yi] years of age.
  • This article gives comprehensive details of policy and various benefits associated with New Jeevan Anand Plan. To illustrate the benefits of New Jeevan Anand, lets take an example of a person who is purchasing New Jeevan Anand Plan with following details. Sum Assured: Rs. 5, l]0, 0UO
  • Policy Term: 21 Years Policy Purchase Year: 2015 Age: 26 Years Yearly Premium: Rs. 22454 Calculate To Calculate benefits with details other than above, go to Maturity Calculator. Maturity Details If policy holder survives the policy term (i.e. 21 years ), Maturity will be as under.

Maturity Details

Maturity Year Age at Maturity Maturity Amount (approx)
2036 47 1102000
Year Age Normal Life Cover
2036 47 500000

Plan Parameters

Age of Entry 18 to 50 years
Premium Paying Mode Yearly, Half yearly, Quarterly, Monthly (ECS Only)
Policy Term 15 to 35 years
Basic Sum Assured 100000 and above (in multiple of 5000)
Policy Revival within 2 year
Rebate 2 % on yearly, 1 % on Half Yearly, Nil on Quarterly
Loan After 3 years
Surrender After 3 years of full premium payment
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LIC's Amulya Jeevan II (823)

We delight clients by bringing forth LIC’s Amulya Jeevan II (823). It is a pure term insurance policy of LIC, which provides high life cover in case of unfortunate death of policyholder during policy term. Our team compromises of experienced professionals, who guide the clients about the different aspects of the plan. The Amulya Jeevan II plan provides high life cover in case of death on very low premium and thus it is a must-have insurance plan for adequate financial security of family and loved ones.

 

Key Features

  • High Life Cover on low premium
  • Premiums paid are eligible for tax rebate under 80(C)
  • No Maturity or survival benefit


Death Benefit : Amount equal to sum assured will be paid to nominee on death of policy holder during policy term.

Maturity Benefit : On survival of policy holder, nothing will be paid.

Plan Parameters

Age of Entry 18 to 60 Years
Premium Paying Mode Half yearly & Yearly
Policy Term 5 to 35 years
Sum Assured 25,00,000 and above (in multiples of 1,00,000)
Loan Not Applicable
Surrender No Surrender Amount
Revival Within 2 Years
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LIC Limited Premium Endowment Plan (830)

We are involved in offering LIC Limited Premium Endowment Plan (830). It is a non-linked guaranteed life insurance plan, which provides protection with investment. Our team comprises of experts, who have numerous years of experience in the insurance industry. They are competent enough to solve all the queries of the clients related to the plan. The plan has fixed premium paying terms of 8 & 9 years and fixed policy terms 12, 16 & 21 years. This allows policyholders to plan their financial requirements by paying less number of years and securing life and receive maturity at later stage.

This plan may be recommended for everyone because of following reasons :

  • A sound combination of Life insurance and investment
  • Less number of premium paying term than policy term.
  • Eligible for bonus and Final Addition bonus declared by LIC
  • Comparatively High Bonus
  • Double Accidental benefit with rider
  • Tax saving on premium paid.
  • Tax Free maturity amount.

 

Benefit Illustrations

  • To Illustrate the benefits of Limited Premium Endowment Plan, Lets take an example of a person who is purchasing this plan with following details.
  • Sum Assured : Rs. 500000
  • Premium Paying term : 9 Years
  • Policy Term : 16 Years
  • Policy Purchase Year : 2015
  • Age : 28 Years
  • Premium : Rs. 43995(Yearly)

Plan Parameters

Age of Entry 18 to 62 years
Premium Paying Mode Yearly, Half Yearly, Quarterly, Monthly (ECS Only)
Premium Payment Term 8 or 9 Years (Fixed)
Policy Term 12, 16 and 21 Years (Fixed)
Basic Sum Assured 300000 and above ( in multiple of 10000)
Policy Revival within 2 year
Rebate Premiums 2% on yearly, 1% on Half Yearly, Nil on Quarterly
Loan After 2 years
Surrender After 2 years of full premium payment
Guaranteed Surrender Value From 30% to Maximum 80% of total premium paid

Detail

With above proposed policy details, following benefit chart has been generated according to bonus rate Rs. 52 per thousand of sum assured.

Maturity Year Maturity Age Maturity Amount
2031 44 910000

For each year during the term of policy, LIC declares Bonus (Per Thousand of Sum Assured) for that particular year. This policy may eligible for Final Addition bonus after certain number of years. As the policy term progresses, these benefits in the form of Bonuses keep accumulating and at the time of matuirty, policy holder gets lump sum amount i.e. Sum Assured + Bonus. In case of death during the policy term, nominee gets sum assured plus bonus accumulated up to that peroid. Year-wise and Age-wise benefits in case of death is indicated below.

End of year Year Age Premium Paid Normal Life Cover Accidental Life Cover
1 2016 29 43950 522500 1022500
2 2017 30 87900 545000 1045000
3 2018 31 131850 567500 1067500
4 2019 32 175800 590000 1090000
5 2020 33 219750 612500 1112500
6 2021 34 263700 635000 1135000
7 2022 35 307650 657500 1157500
8 2023 36 351600 680000 1180000
9 2024 37 395550 702500 1202500
10 2025 38 0 725000 1225000
11 2026 39 0 747500 1247500
12 2027 40 0 770000 1270000
13 2028 41 0 792500 1292500
14 2029 42 0 815000 1315000
15 2030 43 0 877500 1377500
16 2031 44 0 910000 1410000
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LIC Single Premium Endowment Plan

As a Service Provider of LIC Single Premium Endowment Plan, we engage ourselves in achieving 100% client satisfaction. The plan on offer is provided by a team of trained professionals hired by us to maintain our excellence. We help the clients to lay their hands on the endowment plan on offer in the market. On the back of an excellent team of committed experts in finance, we are able to design the plan specific to the needs of our clients.

Features

Minimum Age 90 days (Completed)
Maximum Age    65 Yrs
Maximum Maturity Age    75 Yrs
Minimum Maturity Age    18 Yrs
Minimum Term    10 Yrs
Maximum Term    25 Yrs
Minimum SA    Rs. 50,000
Maximum SA    No Limit
Benefits if death occurs on or after Commencement of Risk    SA+Bonus+FAB
Benefit if death ovvurs before commencement of Risk    Return of Single Premium-Taxes-Extra Premium (without interest)
Benefit on Maturity    SA+Bonus+FAB
Date of Commencement of Risk    if Life Assured is less than 8 Yrs, then risk will commence either 2 Yrs from date of commencement or from the policy anniversary coinciding with or immediately following the attainment of 8 Yrs of age, whichever is earlier. For those aged above 8 Yrs, risk will commence immediately.
Commission to Agents    2 % of Single Premium Paid
Surrender Value  
Guaranteed Surrender Value  
First Year    70 % of Single Premium, excluding taxes and extra Premium
Thereafter    90 % of Single Premium, excluding taxes and extra Premium
Special Surrender Value   Special surrender value is the value which includes bonus and FAB and will be payable if it is more than
Loan    Yes
Suicide Clause    If suicide is within a year then only 90 % of premium paid excluding taxes and extra premiums.
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LIC Jeevan Rakshak Plan

Having placed ourselves as prominent Service Provider in the industry, we keep on delivering excellent services. Keeping up our good work, we provide our clients LIC Jeevan Rakshak Plan. We help the clients to understand different plans and policies. Our high quality, competitiveness and integrity stand out from the rest. We ensure that our clients have a hassle free experience with us. Our plans are safe, secure and transparent. All this combined together makes for the perfect solution for our valued clients.

 

Additional Information :

  • Risk Cover higher of the following with loyalty addition (if any) a. Basic Sum Assured; or b.10 times of annualized premium Or c.105%of all the premium is as paid on the date of death.
  • Maturity Benefits - Basic Sum Assured plus loyality Addition if any
  • Age Eligibility - 8 to 55 years Policy Terms: Min 10 years - Max 20 years  Min & Max Sum Assured: :75000 to 200000
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LIC Jeevan Lakshya Plan (833)

In tandem with the clients varied needs and requirements, we are involved in providing a range of LIC Jeevan Lakshya Plan (833). It offers cover against the risks arising out of accidents and health-related issues as well as an avenue for savings to our clients. Being concerned with our clients well-being, our plan covers most of the aspects of risks. The trust that our clients place in us enables us to design the plans, which minimize the risk of our clients.

 

Additional Information :

  • LIC's Jeevan Lakshya Plan (Table No:833) LIC's Jeevan Lakshya policy is a combination of risk cover and saving plan which is most suitable for the purpose of providing financial security of children and family. This policy provides life cover during the policy term and Sum Assured + Bonuses on survival as maturity.
  • In case of death of policy holder during the policy term, this policy provides 10% of sum assured every year till maturity and on maturity it again provides Sum Assured + Bonuses as maturity.

 

Key Features :

  • Annual Income in case of death  Sum assured + Simple Reversionary Bonus + Final Addition Bonus as maturity.  Annual Income feature can be used as child education in case of death : Paid premiums are exempted from income tax under BOC
  • Maturity amount is tax free under 10 (I0D)
  • Annual Income in case of death
  • Sum assured + Simple Reversionary Bonus + Final Addition Bonus as maturity.
  • Annual Income feature can be used as child education in case of death
  • Paid premiums are exempted from income tax under BOC
  • Maturity amount is tax free under 10 (10D) Death benefits
  • In case of death of policy holder during policy term, 1l]% of Sum Assured will be provided to nominee each year till the maturity, and
  • On maturity, Sum Assured + Simple Reversionary Bonus + Final Addition Bonus will be payable as maturity amount

Specifications

Age of Entry 18 to 50 years
Premium Paying Mode Yearly, Half Yearly, Quarterly, Monthly (ECS Only) Go to Premium Calculator
Policy Term 13 to 25 years
Premium Paying Term (Policy Term - 3) years
Sum Assured 100000 and above (in multiples of 10000)
Premium Payment Mode rebate 2 % on yearly, 1 % on Half Yearly, Nil on Quarterly & Monthly
High Sum assured Rebate 0 % of SA on 0 to 2,00,000
2 % of SA on 2,00,000 to 4,90,000
3 % of SA on 5,00,000 and above
Loan After 3 Years
Surrender After 3 Years
Revival Within 2 Years of Lapse


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LIC Jeevan Labh Plan (836)

We are reckoned among the reliable LIC Jeevan Labh Plan (836) service providers. We have on board a team of dedicated professionals, who are the best in this domain. It is a non-linked ( Not dependent on share market) limited premium paying endowment assurance plan which means premium paying term is less than policy term. The LIC Jeevan Labh Plan is similar to Jeevan shree (closed for sale) which is one of the highest bonus attracting plans of LIC.

 

Key Features

  • High Bonus Attracting Plan
  • Premiums need to be paid for less number of years than Maturity year
  • Ideal Plan for planning Child's Education and Marriage
  • Options to avail accidental benefit and term riders
  • Paid premiums are exempted from income tax under 80C
  • Maturity amount is tax free under 10 (10D)


Maturity Benefit : On completion of policy term, Sum Assured + Bonus + Final Addition Bonus will be paid as maturity.

Death Benefit : In case of death during policy term of the plan, Bonus up to year of death & FAB along with Sum Assured will be paid as Death claim to Policy holder's nominee.

Plan Parameters

Minimum Age at Entry 8 Years (Completed)
Maximum Age at Entry 59 Years for 16 Year Term
54 Years for 21 Year Term
50 Years for 25 Year Term
Calculate Age
Premium Paying Mode Yearly, Half Yearly, Quarterly, Monthly (ECS Only) 
Calculate Your Premium
Policy Term (Premium Payment Term) 16(10), 21(15), 25(16)
Basic Sum Assured 2,00,000 and above (in multiple of 10,000)
Premium Payment Mode rebate 2% on yearly, 1% on Half Yearly, Nil on Quarterly & Monthly
Rebate on High Sum Assured
(Per 1000 of Sum Assured)
0% up to 4,90,000
1.25% for 5,00,000 to 9,90,000
1.50% for 10,00,000 to 14,90,000
1.75% for 15,00,000 and above
Loan After 3 years
Surrender After 3 years of full premium payment



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LIC's Jeevan Tarun Child Plan (834)

Living up to the stellar reputation of ours, we offer our esteemed clients a varied range of services of LIC's Jeevan Tarun Child Plan (834) . As a Service Provider, we are dedicated to meet our clients exact needs. Our plan is widely availed for its reliability & cost effectiveness. Our well-trained staff provides consultation to the clients regarding where to invest their savings. The plan is suggested as per the specifications given by clients. Other than that, our service is highly appreciated by our clients for being hassle free and comprehensive.


Additional Information :

  • Starting of Risk In case, the child is less than B year old, then, life cover will start 2 year after policy purchase or completion of 8 year of age, whichever is earlier.
  • Example, if child is 2 year old, then life cover (risk) will start after 2 year i.e. when child will become 4 year old and if child is Y year old then, risk will start when child becomes 8 year old i.e. that is one year after purchasing policy.
  • If child is 8 year old at the time of buying policy then, risk will start immediately. Death benefits If death of child happens before start of risk, all premiums paid excluding taxes will be paid to nominee as death claim.
  • If death of child happens after start of risk, then Sum Assured on death (125% of sum assured) + Bonus + FAB will be paid to nominee as death claim. Maturity benefit There are four options available to take the maturity on survival which gives the flexibility to plan and secure future requirements from 20 year of age to 25 year of age child.
  • The four options are explained in following table. Premium Waiver Benefit Rider (PWB) This plan can be bought with Premium waiver benefit This plan can be bought with Premium waiver benefit against life of proposer (Parents or Grand Parents) with additional premium.
  • In case of death of Parents, further premiums will not be required to pay. This rider must be included with this policy to get a complete child plan LIC As Jeevan Tarun (Table No: 834) is children money back plan which is specially designed for securing children education.
  • This plan gives options to choose survival benefit and helps to ensure financial requirements of child education from 2O to 25 years of child age.
  • This plan can be purchased by parent or grandparent for their 12 year old child and very useful with premium waiver rider which provides premium waiver in case of death of guardian (proposer) during policy term.

 

Key Features - A plan to fulfill requirement child education Option to select required amount from 20-25 years

Maturity Benefits

From 20-24 Year of age At 25 Year of Age
0 100 % of SA+ Bonus+FAB
5 % of SA 75 % of SA+Bonus+FAB
10 % of SA 50 % of SA + Bonus+FAB
15 % of SA 25 % of SA + Bonus+FAB

Eligibility Conditions

Age of Entry 90 days to 12 years
Premium Paying Mode Yearly, Half Yearly, Quarterly, Monthly (ECS Only)
Policy Term 25- Age at Entry (20 years in case of 5 year old child)
Premium Paying Term 20- Age at Entry (15 years in case of 5 year old child)
Sum Assured 75000 and above (in multiples of 10000)
Premium Payment Mode rebate 2 % on yearly, 1 % on Half Yearly, Nil on Quarterly & Monthly
High Sum assured Rebate (per thousand of SA)
  • Rs. 0 on 75,000 to 1,90,000
  • Rs. 2 on 2,00,000 to 4,90,000
  • Rs. 3 on SA on 5,00,000 and above
Loan After 2 Years for less than 10 year term & 3 year for more than 10 year term
Surrender After 2 Years for less than 10 year term & 3 years for more than 10 year term
Revival Within 2 Years of Lapse
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LIC Jeevan Shikhar Plan (837)

Having received acclamation from all quarters, we, a Service Provider, rank among the top names in the insurance industry. LIC Jeevan Shikhar Plan (837) on offer is available in a wide selection of specifications. This plan protects you from a potential mishap in future by covering your risk. Focus on your life without having to worry about likely misfortunate incidents. We will take good care of them for you under this plan. A nominal fee is charged for our exceptional service.


Details : LIC Jeevan Shikhar Plan (837) LIC Jeevan Shikhar (Table No: B3?) is a noninked ( Not dependent on share market) single premium life insurance plan which provides high life cover (10 times of single Premium) in case of death and good return on survival as maturity. This plan comes with a fixed 15 year term which can be planned for future financial requirement. This Plan has been explained with help of an example.

 

Key Features

  • High Risk Cover in case of death 
  • Option to select Maturity Sum Assured (MSA) 
  • Guaranteed Return (MSA) + Loyalty addition on maturity
  • Any time surrender option & higher surrender value¤ Premium paid is eligible for rebate under 80(C) 
  • Maturity amount will be tax free under 10(10D)

Plan Parameters

Age at Entry 6 Years (Completed)
Maximum Age at Entry 45 Nearest Birthday
Premium Paying Mode One Time (Single Premium)
Calculate Premium
Policy Term 15 years
Maturity Sum Assured 1,00,000 and above (in multiple of 20,000)

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LIC Anmol Jeevan II Plan

Coveting 100% client satisfaction, we as a prominent Service Provider put a great effort in delivering excellence. LIC Anmol Jeevan II Plan is made available to our clients by us in various plans and policies. Our team of financial experts is devoted towards designing the plans and policies that suit the client best. The coverage of the policy on offer is wide and gives an extra layer of protection. Get in touch to enjoy the services for a nominal fee.

Specifications

Sum Assured Rs. 6 Lac to 24 Lac Rs. 25 Lac onwards
Entry Age 18-55 Years 18-60 Years
Policy Term 5-25 Years 5-35 Years
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LIC New Endowment Plan (814)

We are involved in offering LIC New Endowment Plan (814). It is a basic Life Insurance plan which provides adequate life cover during policy’s term and on maturity. Our team comprises of financial experts, who are the best in this domain. They guide clients about the different aspects of the plan. The plan is accredited among the buyers for its reliability and cost-effectiveness.  One can obtain the services at affordable rates from us.

 

This plan may be recommended for everyone because of following reasons :

  • A sound combination of Life insurance and investment
  • Low premium in comparison other plan in this category.
  • Eligible for bonus and Final Addition bonus declared by LIC
  • Comparatively Higher Bonus
  • Double Accidental benefit with rider
  • Tax saving on premium paid.
  • Tax Free maturity amount.

 

Benefit Illustrations : To Illustrate the benefits of New Endowment plan, Lets take an example of a person who is purchasing this Plan with following details

  • Sum Assured : Rs. 5, 00, 000
  • Policy Term : 21 Years
  • Policy Purchase Year : 2015
  • Age : 26 Years
  • Yearly Premium : Rs. 23717 Calculate
  • To Calculate benefits with details other than above, go to Maturity Calculator.

Plan Parameters

Age of Entry 8 to 55 years
Premium Paying Mode Yearly, Half Yearly, Quarterly, Monthly (ECS Only)
Policy Term 12 to 35 Years
Basic Sum Assured 100000 and above ( in multiples of 5000)
Policy Revival within 2 year
Mode Rebate 2% on yearly, 1% on Half Yearly, Nil on Quarterly
Higher Sum Assured Rebate
  • 0% on 0 to 1,95,000 of Sum Assured 
  • 2% on 2,00,000 to 4,95,000 of Sum Assured
  • 3% on 5,00,000 and above Sum Assured
Loan After 3 years
Surrender After 3 years of full premium payment

Maturity Details

If policy holder survives the policy term ( i.e. 21 years ), Maturity will be as under.

Maturity Year Maturity Age Maturity Amount(approx)
2036 47 1091500

Year Wise Death Claims

If death happens during the policy term ( Before 21 years ), Sum Assured + Bonus + Final Addition Bonus(FAB) will paid to nominee and it is indicated as Normal Life Cover. In case of accidental death, additional amount equal to sum assured is also payable to nominee, the calculation is indicated as Accidental Life Cover.Calculation of year-wise and age-wise death benefit according to accumulated bonus and FAB is illustrated below.

Year Age Normal Life Cover(approx) Accidental Life Cover(approx) 
(With Double Accidental Benefit Rider)
2015 26 524000 1024000
2016 27 548000 1048000
2017 28 572000 1072000
2018 29 596000 1096000
2019 30 620000 1120000
2020 31 644000 1144000
2021 32 668000 1168000
2022 33 692000 1192000
2023 34 716000 1216000
2024 35 740000 1240000
2025 36 764000 1264000
2026 37 788000 1288000
2027 38 812000 1312000
2028 39 836000 1336000
2029 40 875000 1375000
2030 41 901500 1401500
2031 42 930500 1430500
2032 43 959500 1459500
2033 44 1001000 1501000
2034 45 1042500 1542500
2035 46 1091500 1591500

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