LIC का नया एंडोवमेंट प्लान (यूआईएन: 512N277V01)

LIC का नया एंडोवमेंट प्लान (यूआईएन: 512N277V01)

LIC का नया एंडोवमेंट प्लान एक ऐसा नॉन-लिंक भागीदारी प्लान है जो सुरक्षा और बचत सुविधा का आकर्षक समायोजन प्रदान करता है. यह समायोजन परिपक्वता से पहले किसी भी समय पॉलिसीधारक की मृत्यु होने पर उसके परिवार को वित्तीय सहायता प्रदान करता है और जीवित पॉलिसीधारक को परिपक्वता के समय उचित एकमुश्त राशि प्रदान करता है.

यह प्लान, इसकी ऋण सुविधा के माध्यम से तरलता आवश्यकताओं का भी ध्यान रखता है.

लाभ

1. मृत्यु होने पर मिलने वाली राशि:पॉलिसी अवधि के दौरान मृत्यु होने पर, बशर्ते सभी देय प्रीमियम का भुगतान कर दिया गया हो तो मृत्यु होने पर मिलने वाले हितलाभ को "मृत्यु होने पर मिलने वाली बीमा राशि" के रूप में निर्धारित किया जाएगा और निहित साधारण प्रत्यावर्ती बोनस तथा अंतिम अतिरिक्त बोनस, यदि कोई है, तो वह देय होगा. जहाँ, "मृत्यु होने पर मिलने वाली बीमा राशि" को उच्च मूल बीमा राशि या वार्षिक प्रीमियम की 10 गुना राशि के रूप में निर्धारित किया जाता है. मृत्यु होने पर मिलने वाली राशि मृत्यु तिथि तक चुकाए गए सभी प्रीमियम के 105% से कम नहीं होगी.

जहाँ प्रीमियम में यदि कोई सेवा कर, अतिरिक्त प्रीमियम और राइडर प्रीमियम है तो वह शामिल नहीं है.

परिपक्वता राशि: मूल बीमा राशि के साथ-साथ निहित साधारण प्रत्यावर्ती बोनस और अंतिम अतिरिक्त बोनस, यदि कोई है, तो जीवित रहने पर पॉलिसी अवधि की समाप्ति पर देय होगें बशर्ते सभी देय प्रीमियम का भुगतान किया गया हो.लाभ में सहभागिता: पॉलिसी निगम के लाभ में सहभागिता करेगी और निगम के अनुभव के अनुसार घोषित होने वाले साधारण प्रत्यावर्ती बोनस को प्राप्त करने के लिए पात्र होगी, बशर्तें पॉलिसी पूरी तरह से जारी रहे.जब मृत्यु या परिपक्वता के कारण पॉलिसी में कोई दावा उत्पन्न होता है, तो पॉलिसी के अंतर्गत उस वर्ष में अंतिम (अतिरिक्त) बोनस भी घोषित किया जा सकता है, बशर्ते पॉलिसी निश्चित न्यूनतम अवधि तक चालू रही हो.2. वैकल्पिक हितलाभ:LIC का दुर्घटना मृत्यु और विकलांगता हितलाभ राइडर: LIC के दुर्घटना मृत्यु और अक्षमता हितलाभ राइडर, अतिरिक्त प्रीमियम के भुगतान पर वैकल्पिक राइडर के रूप में उपलब्ध है. दुर्घटना में मृत्यु होने की स्थिति में, दुर्घटना हितलाभ बीमा राशि का भुगतान एकमुश्त राशि के रूप में, मूल प्लान के अंतर्गत मिलने वाले मृत्यु हितलाभ के साथ किया जाएगा. दुर्घटना के कारण होने वाली आकस्मिक स्थायी विकलांगता की स्थिति में (दुर्घटना की तिथि के 180 दिनों के भीतर), दुर्घटना हितलाभ बीमा राशि के बराबर राशि का भुगतान 10 वर्षों तक समान मासिक किस्तों में किया जाएगा और दुर्घटना हितलाभ बीमा राशि के भावी प्रीमियम के साथ-साथ मूल बीमा राशि जो पॉलिसी के अंतर्गत दुर्घटना हितलाभ बीमा राशि के बराबर होती है, उसके भाग के प्रीमियम नहीं लिए जाएँगे.  more detail contact me 7404833881

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New Money Back Plan-20 Years

New Money Back Plan-20 Years

Benefits

LIC's New Money Back Plan-20 years is a participating non-linked plan which offers an attractive combination of protection against death throughout the term of the plan along with the periodic payment on survival at specified durations during the term. This unique combination provides financial support for the family of the deceased policyholder any time before maturity and lump sum amount at the time of maturity for the surviving policyholders. This plan also takes care of liquidity needs through its loan facility.

1.Benefits:

Death benefit: On death during the policy term provided the policy is in full force, death benefit, defined as sum of “Sum Assured on Death” and vested Simple Reversionary Bonuses and Final Additional Bonus, if any, shall be payable. Where, “Sum Assured on Death” is defined as higher of 125% of the Basic Sum Assured or 10 times of annualized premium. This death benefit shall not be less than 105% of the total premiums paid as on date of death.

The premiums mentioned above exclude tax, extra premium and rider premium, if any.

Survival Benefits: In case of Life Assured surviving to the end of the specified durations 20% of the Basic Sum Assured at the end of each of 5th, 10th & 15th policy year.

Maturity Benefit: In case of Life Assured surviving the stipulated date of maturity, 40% of the Basic Sum Assured along with vested Simple Reversionary Bonuses and Final Additional Bonus, if any, shall be payable.

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Pradhan Mantri Vaya Vandana Yojana (UIN: 512G311V01)

Pradhan Mantri Vaya Vandana Yojana (UIN: 512G311V01)

Introduction:

Government of India has announced Pradhan Mantri Vaya Vandana Yojana for citizen age 60 years and above. LIC of India has been given the sole privilege to operate this scheme. It has been decided to launch Pradhan Mantri Vaya Vandana Yojana on 4th May 2017. The scheme shall be available for one year from date of launch.
This scheme can be purchased offline . To Purchase this scheme  please log on to our https://agentlickalka.blogspot.in/

Benefits : 

Pension Payment :

On survival of the Pensioner during the policy term of 10 years, pension in arrears (at the end of each period as per mode chosen) shall be payable.

Death Benefit:

On death of the Pensioner during the policy term of 10 years, the Purchase Price shall be refunded to beneficiary.

Maturity Benefit:

On survival of the pensioner to the end of the policy term of 10 years, Purchase price along with final pension installment shall be payable.

Eligibility Conditions (Plan No. 842)

Minimum Entry Age                                                                  60 Years (Completed)

Maximum Entry Age                                                                 No Limit

Policy Term                                                                               10 years

Minimum Pension                                                                     Rs. 1000 per month                                                                                                    Rs. 3000 per Quarter                                                                                                    Rs. 6000 per half year                                                                                                    Rs. 12000 per year

Maximum Pension                                                                     Rs. 5000 per month                                                                                                    Rs. 15000 per Quarter                                                                                                    Rs. 30000 per half year                                                                                                    Rs. 60000 per year

Ceiling of maximum pension is for a family as a whole i.e. total amount of pension under all the policies allowed to a family under this plan shall not exceed the maximum pension limit. The family for this purpose will comprise of pensioner, his/her spouse and dependents

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Bima Diamond Plan (Plan No. 841)

Bima Diamond Plan (Plan No. 841)

By Kishore Kumar

LIC's Bima Diamond Plan (841) is a non-linked, with-profits, limited premium payment money back type plan which offers a combination of protection and saving.This plan provides financial support for the family not only during the policy term but also beyond the policy term during the Extended Cover Period (equal to half of the policy term and beginning from the date of maturity).

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LIC's Jeevan Lakshya

LIC's Jeevan Lakshya 

LIC's Jeevan Lakshya is a participating non-linked plan which offers a combination of protection and savings. This plan provides for Annual Income benefit that may help to fulfill the needs of the family, primarily for the benefit of children, in case of unfortunate death of Policyholder any time before maturity and a lump sum amount at the time of maturity irrespective of survival of the Policyholder. This plan also takes care of liquidity needs through its loan facility.

Death Benefit:
Annual Income Benefit equal to 10% of the Basic Sum Assured, which shall be payable from the policy anniversary coinciding with or following the date of death of Life Assured, till the policy anniversary prior to the date of maturity.Assured Absolute Amount equal to 110% of Basic Sum Assured, which shall be payable on due date of maturity; and The vested Simple Reversionary Bonuses and Final Additional Bonus, if any, included in the Death Benefit, shall be payable on due date of maturity

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LIC's Jeevan Arogya

LIC's Jeevan Arogya

Plan Features

LIC's Jeevan Arogya 

is a unique non-participating non-linked plan which provides health insurance cover against certain specified health risks and provides you with timely support in case of medical emergencies and helps you and your family remain financially independent in difficult times.
Health has been a major concern on everybody’s mind, including yours. In these days of skyrocketing medical expenses, when a family member is ill, it is a traumatic time for the rest of the family. As a caring person, you do not want to let any unfortunate incident to affect your plans for you and your family. So why let any medical emergencies shatter your peace of mind.

LIC’s Jeevan Arogya gives you:

   Valuable financial protection in case of hospitalisation, surgery etc
    Increasing Health cover every year
    Lump sum benefit irrespective of actual medical costs
    No claim benefit
    Flexible benefit limit to choose from
    Flexible premium payment options

Very easy to choose your plan

Step 1 Choose the level of Health cover you need
Step 2 Work out the premium payable along with our Representative Step 1: Choose the level of Health cover you need:

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LIC’s Jeevan Umang (UIN: 512N312V01)

                                  LIC’s Jeevan Umang (UIN: 512N312V01)

Survival Benefit :

LIC’s Jeevan Umang On the life assured surviving to the end of the premium paying term, provided all due premiums have been paid, a survival benefit equal to 8% of Basic Sum Assured shall be payable each year. The first survival benefit payment is payable at the end of premium paying term and thereafter on completion of each subsequent year till the Life assured survives or till the policy anniversary prior to the date of maturity, whichever is earlier.

Maturity Benefit:

On the life assured surviving to the end of the policy term, provided all due premiums have been paid, “Sum Assured on Maturity” along with vested Simple Reversionary Bonuses (as mentioned in 2 below) and Final Additional bonus, if any, shall be payable.Where “Sum Assured on Maturity” is equal to Basic Sum Assured.

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(LIC’s AADHAAR STAMBH (UIN: 512N310V01) (A non-linked, with-profit endowment assurance life insurance plan)

(LIC’s AADHAAR STAMBH (UIN: 512N310V01)

LIC’s Aadhaar Stambh Plan offers a combination of protection and savings. This plan is exclusively designed for male lives having Aadhaar Card issued by UIDAI (Unique Identification Authority of India). This plan provides financial support for the family in case of unfortunate death of the policyholder any time before maturity and a lump sum amount at the time of maturity for the surviving policyholder.

In addition, this plan also takes care of liquidity needs through its Auto Cover as well as loan facility.

  Benefits:Death benefit:On death of the Life Assured during the policy term provided all due premiums have been paid then: 

On death during first five years: “Sum Assured on Death” shall be payable.

On death after completion of five policy years but before the date of maturity: “Sum Assured on Death” and Loyalty Addition, if any, shall be payable.

Where “Sum Assured on Death” is defined as the highest of 

10 times of annualized premium; or...............Contact for more information.

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LIC’s Jeevan Umang (UIN: 512N312V01)

LIC’s Jeevan Umang

                         (A non-linked, with-profit, whole life assurance plan) 

LIC’s Jeevan Umang plan 

offers a combination of income and protection to your family. This plan provides for annual survival benefits from the end of the premium paying term till maturity and a lump sum payment at the time of maturity or on death of the policyholder during the policy term.In addition, this plan also takes care of liquidity needs through loan facility.

Benefits payable under an in force policy:

Death Benefit: On death of the Life Assured during the policy term, provided all due premiums have been paid then On death before the commencement of Risk: 
Return of premium/s paid without interest shall be payable.On Death after the commencement of Risk :Death Benefit, defined as sum of “Sum Assured on Death” and vested Simple Reversionary Bonuses (as mentioned in 2 below) and Final Additional bonus, if any, shall be payable.

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LIC's NEW CHILDREN'S MONEY BACK PLAN

 LIC's NEW CHILDREN'S MONEY BACK PLAN

LIC's New Children’s Money Back Plan is a participating non-linked money back
plan. This plan is specially designed to meet the educational, marriage and other needs
of growing children through Survival Benefits.

 In addition, it provides for the risk

cover on the life of child during the policy term and for number of survival benefits on
surviving to the end of the specified durations.
The plan can be purchased by any of the parent or grand parent for a child aged 0 to 12
years.

1. Benefits:

Death benefit:

On death of the Life Assured before the stipulated Date of Maturity provided the
policy is in full force, then

On death of the Life Assured before the date of commencement of risk: Return of
premium/s excluding taxes, extra premium and rider premium, if any.

On death after the date of commencement of risk:

Death benefit, defined as sum of “Sum Assured on Death” and vested Simple
Reversionary Bonuses and Final Additional Bonus, if any, shall be payable. Where
“Sum Assured on Death” is defined as Higher of 10 times of annualized premium
or Absolute amount Assured to be paid on Death i.e. Basic Sum Assured.

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