Jeevan Shikhar

Swarnim Plan Presentation

एल आई सी की नयी योजना जीवन प्रगति (तालिका क्र. 838)

भारतीय जीवन बीमा निगम दिनाँक 03/02/2016 से अपनी एक नयी बीमा योजना जीवन प्रगति  (तालिका क्र. 838) लाई है।  जीवन प्रगति एक नॉन लिंक्ड, लाभ सहित बन्दोबस्ती योजना है जिसमे हर पाँच वर्षों बाद मृत्यु बीमाधन बड़ जाता है। जीवन प्रगति योजना 12 वर्ष के बच्चे से लेकर 45 वर्ष के व्यक्ति के जीवन पर ली जा सकती एवं, हर पाँच वर्षों बाद अधिक मृत्यु बीमाधन की सुरक्षा प्रदान करती है। जीवन प्रगति का युनिक पहचान संख्या 512N306V01 है।

जीवन प्रगति में बीमित की मृत्यु पर मिलने वाले हितलाभ

पॉलिसी अवधि के दौरान बीमित की मृत्यु होने की दशा में,  मृत्यु हितलाभ देय होता है जो कि, “मृत्यु बीमाधन” के साथ समस्त अर्जित बोनस एवं अंतिम अतिरिक्त बोनस (अगर कोई हो तो) नॉमिनी को देय होगा।

यहाँ “मृत्यु बीमाधन” निम्नानुसार है

1. वार्षिक प्रीमियम का 10 गुना या,
2. मृत्यु पर देय निश्चित बीमाधन, जो कि है:
   • पॉलिसी अवधि के प्रथम पाँच वर्षों में: मूल बीमाधन का (Basic sum Assured (BSA)) 100%
   • पॉलिसी अवधि के छठे वर्ष से दसवे वर्ष के दौरान: मूल बीमाधन का 125%
   • पॉलिसी अवधि के 11वे वर्ष से 15वे वर्ष के दौरान: मूल बीमाधन का 150%
   • पॉलिसी अवधि के 16वे वर्ष से 20वे वर्ष के दौरान: मूल बीमाधन का 200%

जीवन प्रगति पॉलिसी में परिपक्वता हितलाभ

परिपक्वता तिथि तक बीमित के जीवित रहने पर, परिपक्वता बीमाधन के साथ सम्स्त अर्जित बोनस एवं अंतिम अतिरिक्त बोनस देय होगा, जहाँ परिपक्वता बीमाधन मूल बीमाधन के बराबर है।

वैकल्पिक हितलाभ

• एल आई सी का दुर्घटना एवं अपंगता हितलाभ राइडर UIN (512B209V01): अगर यह राइडर बीमा धारक द्वारा लिया गया है तो, बीमित की दुर्घटना से मृत्यु होने की दशा में  मृत्यु हितलाभ के साथ दुर्घटना बीमाधन के बराबर अतिरिक्त देय होगा, बशर्ते राइडर मृत्यु दिनाँक पर पूर्ण रूप से चालू हो।

जीवन प्रगति पॉलिसी की अन्य शर्तें एवं विशेषताएँ

1. अगर पॉलिसी मे पूर्ण तीन वर्षों की प्रीमियम दी जा चुकी है तो पॉलिसी चुकता मुल्य प्राप्त कर लेगी
2. जीवन प्रगति पॉलसी को पॉलिसी अवधि के दौरान अभ्यर्पित किया जा सकता बशर्ते कम से कम पूर्ण तीन वर्षों की प्रीमियम दी जा चुकी हो।
3. पॉलिसी मे पूर्ण तीन वर्षों की प्रीमियम जमा करने के पश्चात लोन सुविधा उपलब्ध है, जो की चालू पॉलिसी में अभ्यर्पण मूल्य के 90% के बराबर एवं चुकता मूल्य प्राप्त कर चुकी पॉलिसी में अभ्यर्पण मूल्य के 80% के बराबर मिलेगा।
4. पॉलिसी को एक वित्तीय वर्ष मे पिछली दिनाँक से लिया जा सकता है।
5. पॉलिसी मे नामांकन एवं समनुदेशन किया जा सकता है।
6. पॉलिसी को पहली अदत्त प्रीमियम (FUP) से 2 वर्षों के भीतर पूनर्चलित किया जा सकता है।
7. फ्री लुक अवधि, पॉलिसी दस्तावेज़ प्राप्ति के 15 दिनों के अन्दर, अगर बीमाधारक पॉलिसी की शर्तों से सहमत नही है तो।

LIC's Jeevan Lakshya Plan

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 80C
• Maturity amount is tax free under 10 (10D)

Plan Parameters

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

Death benefits

• In case of death of policy holder during policy term, 10% 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.

Maturity benefit

• Sum Assured + Simple Reversionary Bonus + Final Addition Bonus will be payable as maturity amount. .

Illustrations with Example

To understand Jeevan Lakshya Plan, Lets take an example of a person who is purchasing Jeevan lakshya Plan with following details.

Sum Assured: Rs. 10,00,000
Policy Term: 21 Years
Premium Paying Term: 18 Years
Policy Purchase Year: 2015
Age: 28 Years
Yearly Premium: Rs. 52455

Calculate premium other than above, Click Here

Since Premium paying term is 3 year lesser than policy term, so premium will be payable for 18(21-3) years in this case.

Maturity benefit illustration

At maturity, Jeevan Lakshya provides Sum Assured + Simple Reversionary Bonus + Final Addition as maturity amount on survival of policy holder. Following table indicates the maturity details.

Year	Sum Assured (Guaranteed)	Bonues (Variable)	Maturity Amount (Approx)
2036	10,00,000	11,08,000	21,08,000

Death benefit illustration

In case of unfortunate death of policy holder during policy term, this plan proivides 10% of sum assured every year till maturity and again at competion of policy term maturity amount is also payable. To understand this benefit, let's suppose death happens 10 year after taking this policy, age of the policy holder and year at time of death will 38 and 2024 repectively. 10% of sum assured will be payable from year of death till maturity and on completion of the policy term maturity benefit will be also provide. Following table provides year-wise details.

End of Year	Year	Premium Paid	Return in case of death	Remarks
1	2015	52455	0
2	2016	52455	0
3	2017	52455	0
4	2018	52455	0
5	2019	52455	0
6	2020	52455	0
7	2021	52455	0
8	2022	52455	0
9	2023	52455	0
10	2024	0	100000	Unfortunate death happens
11	2025	0	100000
12	2026	0	100000
13	2027	0	100000
14	2028	0	100000
15	2029	0	100000
16	2030	0	100000
17	2031	0	100000
18	2032	0	100000
19	2033	0	100000
20	2034	0	100000
21	2035	0	2108000	Maturity Amount
Total		524550	3208000	Maturity + Yearly Income

LIC न्यू जीवन आनन्द (815) पालिसी

LIC न्यू जीवन आनन्द (815) पालिसी

LIC न्यू जीवन आनन्द (815) पालिसी एक सबसे ज्यादा बिकने वाला जीवन बीमा प्लान है जो परिपक्वता (Maturity) के बाद भी जिंदगी भर सुरक्षा प्रदान करता है | यह प्लान दुर्घटना लाभ राइडर के साथ और भी लाभदायक हो जाता है | इस प्लान को एक उद्दाहरण के द्वारा समझाया गया है | उद्दाहरण से पहले इस प्लान से संबंधित आवश्यकतायें एवं लाभ को संछिप्त में विवरण कर लेते हैं |

प्लान के लिय योग्यता एवं अन्य बिवरण

प्रवेश की न्यूनतम उम्र	18 साल ( पूर्ण)
प्रवेश की अधिकतम उम्र	50 बर्ष ( निकटतम जन्म दिन)
प्रीमियम भुगतान	वार्षिक, अर्धवार्षिक, तिमाही, मासिक
पालिसी की अवधि (Term)	15 से 35 वर्ष
बीमा राशि (Sum Assured)	100000 से उपर ( 5000 के गुणक में)
प्रीमियम भुगतान विधि (mode) छुट	2% वार्षिक एवं 1% अर्धवार्षिक प्रीमियम पर
अभायर्पण (Surrender)	3 बर्ष चलाने के बाद
कर्ज (Loan)	3 बर्ष चलाने के बाद

परिपक्वता लाभ (Maturity)

पालिसी अवधि के पूरा होने पर परिपक्वता राशि बीमा धारक को दी जायेगी जो की बीमा राशि (Sum Assured) + साधारण प्रत्यावर्ती बोनस (Bonus)+ अंतिम अतिरिक्त बोनस (FAB) के बराबर होगी है | परिपक्वता के बाद, किसी भी समय पालिसी धारक मृत्यु होने पर Nominee को बीमा राशि के बराबर मृत्यु दावा राशि दी जायेगी |

मृत्यु लाभ (Death Claim)

पालिसी अवधि के दौरान मृत्यु होने पर मृत्यु दावा nominee को दी जायेगी, जो की बीमा राशि (Sum Assured) का 125 % + मृत्यु के समय तक निहित साधारण प्रत्यावर्ती बोनस (Bonus)+ अंतिम अतिरिक्त बोनस (FAB) के बराबर होगी |

समझने के लिए एक उद्दाहरण

एक व्यक्ति जिनकी उम्र 26 वर्ष है और निम्नलिखित विवरण का न्यू जीवन आनन्द पालिसी खरीदता है |
बीमा राशि (Sum Assured): रू . 5,00,000
पालिसी अवधि (Term):21 साल
पालिसी लेने का वर्ष : 2015
Age: 26 Years

वार्षिक प्रीमियम : रू 27454 प्रीमियम कैलकुलेटर

अन्य विवरण के साथ maturity कैलकुलेट करने क लिए यंहायंहा क्लिक करें .

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पालिसी लेने के बाद 2 सम्भावनाये हो सकती है | पहली संभावना, पालिसी धारक 21 साल पूरा करे और अपना परिपक्वता राशि ले या पालिसी धारक की मृत्यु 21 साल से पहले हो और nominee को मृत्यु दावा राशि मिले | दोनों दशा के लाभ को नीचे बताया गया है |

परिपक्वता राशि (Maturity)

पालिसी धारक के 21 साल पूरा करने पर बीमा राशि (Sum Assured) + साधारण प्रत्यावर्ती बोनस (Bonus)+ अंतिम अतिरिक्त बोनस (FAB) मिलेगी जो की नीचे टेबल में दर्शायी गयी है |

परिपक्वता वर्ष	परिपक्वता के समय उम्र	परिपक्वता राशि (लगभग)
2036	47	1102000

परिपक्वता राशि (maturity) लेने के बाद जीवन आनन्द प्लान जिंदगी भर बीमा प्रदान करता रहेगा. अर्थात् maturity के बाद मृत्यु की दशा में nominee को बीमा की राशि फिर से दी जायेगी|

वर्ष अंतराल	उम्र अंतराल	बीमा राशि
2036 से आगे	47 से आगे	500000

मृत्यु लाभ (Death Claim)

पालिसी धारक के 21 साल से पहले मृत्यु की दशा में बीमा राशि (Sum Assured) का 125 % + मृत्यु के समय तक निहित साधारण प्रत्यावर्ती बोनस (Bonus)+ अंतिम अतिरिक्त बोनस (FAB) nominee को दी जायेगी. उम्र- वार और साल-वार मृत्यु दावा राशि अगले टेबल में दी गयी है | अगर मृत्यु किसी दुर्घटना से होती है तो बीमा राशि के बराबर राशि और दी जायेगी नीचे टेबल में इसे दुर्घटना लाभ के रूप में दर्शाया गया है |

वर्ष	उम्र	वर्ष-वार व उम्र-वार मृत्यु दावा राशि (लगभग)	वर्ष-वार व उम्र-वार दुर्घटना मृत्यु दावा राशि (लगभग)
2015	26	649500	1149500
2016	27	674000	1174000
2017	28	698500	1198500
2018	29	723000	1223000
2019	30	747500	1247500
2020	31	772000	1272000
2021	32	796500	1296500
2022	33	821000	1321000
2023	34	845500	1345500
2024	35	870000	1370000
2025	36	894500	1394500
2026	37	919000	1419000
2027	38	943500	1443500
2028	39	968000	1468000
2029	40	1007500	1507500
2030	41	1034500	1534500
2031	42	1064000	1564000
2032	43	1093500	1593500
2033	44	1135500	1635500
2034	45	1187500	1687500
2035	46	1227000	1727000

LIC's New Children Money Back Plan

NEW BIMA GOLD INSURANCE POLICY BY LIC

Features of plan It has been decided to introduce LIC,S new bima gold (plan no. 179) with effect from 4th September, 2006. it is a plan where premiums paid over the term of plan are paid back during the policy term in instalments at specified duration in case of survival of life assured and life insurance cover is a available not only during the term but also during the extended term of the plan.

Extended term: the extended term will be half of the policy term and shall commence immediately on the expiry of the term. For example for a 16 years policy term The extended term will be 8 years with the result the total term will be 24 years. No premium are payable during the extended term of the plan.

Plan parameters 
Age at entry: Min. 14 yrs (comp) max. 57 yrs (NBD) for term 12 yrs max.51 yrs (NBD) for term 16 yrs. Max 45 yrs (NBD) for term 20 yrs
Age at expiry of
Extended term: max. 75 yrs. (NBD)
Sum assured: min. 50,000 max. no. limit
S.A in multiples: 5000
Term: 12, 16, 20 years.
Mode of payment: YLY/HLY/ QLY/ SSS/ MLY
Accident benefit: Re. 1 extra per
(Max. 50Lacs inclusive all plan)
Policy loan: yes
Housing loan: yes
Assignment: yes
Revival: yes
Surrender of policy: yes
Term rider: N.A.
CIR: N.AUnderwriting conditions
Form no: 300/340
Age proof: std/ NSAP- 1
Female lives category: I/II
Non-medical (gen): allowed
Non-medical (prof): allowed
Actual coverage: SA+ Bonus
Dating back @ 8%: Allowed

Benefits:

Death benefit: during the policy term: payment of amount equal to sum assured under the basic plan on death of the life assured during the policy term

During the extended term: payment of an amount equal to 50% of sum assured under the basic plan on death of the life assured during the extended term provided all the premium under the policy have been paid.

Survival benefit: in case the life assured is surviving to the end of the specified durations, the following benefit shall be payable:For policy term 12 years: 15% of the sum assured under basic plan at the end of each 4th policy year.

For policy term 16 tears: 15% of the sum assured under basic plan at the end of each 4th, 8th 12th policy year.

On expiry of policy term: total amount of premiums (excluding extra/optional rider premiums, if any) paid plus loyalty addition, if any less the amount of survival benefit paid earlier.

Loyalty addition: this is a with-profit plan and the policy shall participate in the profits corporation’s with-profits assurance business. The policy shall however, be eligible to a share of profit in the form of loyalty addition (on time) only payable on expiry of policy term. On the life assured surviving the stipulated date of expiry of policy term, the policy may be eligible for payment of loyalty addition, if any; depending upon the experience of the corporation at such rate and on such term as may be declared by the corporation.

Auto cover: if at least two full year’s premium has been paid in respect of this policy, any subsequent premium is not duly paid, full death cover shall continue for a period of two years from the date of first unpaid premium (FUP). This period of 2 during the auto-cover period, one or more installments of premiums can be paid along with interest without considering continued of the life assured.

Paid-up & surrender values (GSV, SSV): if after at least full year’s premiums have been paid in respect of this policy, any subsequent premium be not duly paid, this policy shall not be wholly void after the expiry of two years auto cover period from the due date of fist unpaid premium, but shall subsist as a paid up policy for an amount equal to the total premiums paid (excluding any extra/ optional premium) less the survival benefit paid earlier, if any. This amount shall be called as paid up value. This policy, thereafter, shall be payable on the date of expiry of the policy term or at life assureds prior death. No survival benefit shall be free from all liabilities for payment of the within mentioned premiums.
The guaranteed surrender value shall be available after completion of at least three policy years and at least full years’ premiums have been paid. The guaranteed surrender value is equal to 30 percent of the total amount of premium paid for accident benefit rider and the amount of survival benefit paid earlier.

Cooling-off period: if a policyholder is not satisfied with the “term and conditions” of the policy, he/she may return the policy to the corporation within 15 days from the date receipt of the policy

Example: Mr. Ashok, aged 30 years opts for new bima gold (T. No.179) for 2lac S.A, paying an annual premium of Rs.7363/- for 20 years period. He receives Rs.20,000 each at the end of 4,8,12 and 16 years. On maturity the net amount payable will be total premium paid _ paid up survival benefit + loyalty addition, if any i.e. 7363 x 20 – 20,000 x 4 = 1,47,260 + loyalty addition, if any, he will also enjoy the extended term of 10 years i.e. the term will be 20+10 = 30 years. But if Mr. Ashok dies after 12 years, his nominee will receive Rs.2lac without deducting the survival benefit paid to Mr. Ashok.

LIC Jeevan Labh Plan

LIC Jeevan Labh (Table No 836) 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 for example, if policy term 16 has been selected then premium will be paid for 10 years only and maturity will be paid after completion of 16 years. This policy 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)

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
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

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.

Jeevan Labh (836) with an Example

Suppose a person who is purchasing Jeevan Labh Policy with following details. 
Sum Assured: Rs. 12,00,000
Policy Term: 25 Years
Premium Paying Term: 16 Years
Policy Purchase Year: 2016
Age: 29 Years.

As per above details, Yearly Premium: will be Rs. 56,357 (with Service tax)

Go To Premium Calculator 
Go To Maturity Calculator

So, as per above example, policy holder needs to pay the premium of Rs. 56,357 per year for 16 years (Premium Paying Term) and after completion of 25 years (Policy Term). The benefits (maturity & Year-wise death claims) related to this plan is given below.

Maturity Details

If Policy holder survives 25 years, then Maturity (Sum Assured + Bonus +FAB) will be as under.

Maturity Year	Age at Maturity	Total Premium Paid	Maturity Amount (Approx.)
2041	54	886907	3300000

Death Claim Details

In case of death during policy term ( Before 25 years ), Sum Assured + Bonus + Final Addition Bonus (Normal Life Cover) will be paid to nominee. In case of accidental death, additional amount equal to Sum Assured along with Sum Assured + Bonus + Final Addition Bonus (Accidental Life Cover) will be paid to nominee. Year-wise and Age-wise Normal Life Cover and Accidental Life Covers will be as follows.

How Understand Following Table

Suppose if, unfortunate death of policy holder happens in year 2027 (at age 40), then by that time total premium paid will be Rs. 6,65,427 and nominee will get death claim as Rs. 19,48,800 in case of normal death or Rs. 31,48,800 as accidental death claim in case of death due to accident and policy will stop.

Year	Age	Total Paid Premium	Normal Life Cover (Approx.)	Accidental Life Cover (Approx.)
2016	29	56357	1262400	2462400
2017	30	111727	1324800	2524800
2018	31	167097	1387200	2587200
2019	32	222467	1449600	2649600
2020	33	277837	1512000	2712000
2021	34	333207	1574400	2774400
2022	35	388577	1636800	2836800
2023	36	443947	1699200	2899200
2024	37	499317	1761600	2961600
2025	38	554687	1824000	3024000
2026	39	610057	1886400	3086400
2027	40	665427	1948800	3148800
2028	41	720797	2011200	3211200
2029	42	776167	2073600	3273600
2030	43	831537	2172000	3372000
2031	44	886907	2240400	3440400
2032	45	--	2314800	3514800
2033	46	--	2389200	3589200
2034	47	--	2493600	3693600
2035	48	--	2622000	3822000
2036	49	--	2720400	3920400
2037	50	--	2872800	4072800
2038	51	--	2995200	4195200
2039	52	--	3117600	4317600
2040	53	--	3300000	4500000

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