Jeevan Adhaar Policy

If you have a handicapped dependant as per Section 80 DDA of Income Tax Act, 1961,  you need to give financial help to, this is the plan for you. The life cover will be provided throughout the purchaser’s lifetime. The handicapped will receive the plan’s benefits partly in lump sum and partly as an annuity. The most important feature of this plan is that the premiums paid are eligible for Tax relief under Section 80DDA of the Income Tax Act.

 You can pay the premiums within the selected paying terms of , 15, 20, 25, 30 or 35 years or till the earlier death. And these can be paid on yearly, half- yearly, quarterly or monthly basis or by one lump sum. A guaranteed additions at the rate of Rs. 100/ 1000 of sum assured is gives for every year. This plan gets a share in LIC’s life insurance business.

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Marriage Endowment Or Educational Annuity Plan

It is an endowment plan which provides benefits to the named child from a specified time. This plan specially looks out for educational and marriage expenses of the child. You have to pay the premiums on a regular basis, as per your preference. A with- profit plan which guarantees an income for you as it gets a share in LIC’s life insurance business and you also gain simple reversionary benefits on this plan on an annual basis.

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Komal Jeevan Child Plan

Komal Jeevan is a plan meant for children aged from 0 to 10 years and it can be purchased by the parent or grand parent of the child. It is Children’s Money Back Plan which provides financial protection against death during policy term and includes periodic payments on survival at specific durations. The risk cover starts either after two years from the policy commencement date or from the policy anniversary which follows the child’s birthday wherein, he completes 7 years of age, whichever is later. You can pay the premiums on a continual basis or by a single lump sum payment. Also, you get a guaranteed additions under this policy at the rate of Rs. 75/ 1000 sum auured for each completed year. This too is a with profits plan.

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Jeevan Ankur:

This plan is custom made for a child up to the age of 17 years, you can ensure that his educational and other needs are met without a glitch irrespective of your presence in his life. Your child need not be dependent on anyone else. Since you are the life assured, the risk cover will be available on your life and the child will be the nominee. But the term of the policy will be based on the age maturity of the nominee. If the proposer of the policy dies, basic sum assured will be paid to the nominee and a 10% income benefit of basic sum assured will be paid on each policy anniversary.

Buy this conventional child plan to safeguard your child’s future .

Child’s Deferred Endowment Assurance Plan:

The proposer of this plan can be the parent, legal guardian or a near relative of the child who is the life assured. The policy term is divided into two periods- one from the date of commencement of policy to the deferred date and the other is the period from the deferred date to the maturity date. The life cover starts with the start of the second stage. Deferment date can either be the policy anniversary date which coincides when child completes 21 years or 18 years, depending upon the plan type chosen. You can pay the premiums on an yearly, half- yearly, quarterly or monthly basis.

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Jeevan Anurag Child Plan

Jeevan Anurag is a  plan designed to cater to the educational needs of a child. This is a with profits plan meaning, it participates in the profits made by the LIC. The benefits under Jeevan Anurag are payable at pre- specified intervals and it not dependent upon the life or death of the proposer of the policy. The additional advantage is a guarantee of receiving the basic sum assured on the death of the Life Assured.

20% of the basic sum assured will be paid on start of every year during the last three years prior to maturity. On the date of maturity, you will receive 40% of the basic sum assured plus a reversionary bonus.

Endowment Plus Plan

This policy is a unit- linked insurance plan offering insurance cover cum investment. You as the proposer of the policy can choose the level of insurance cover, subject to some limits and the mode and amount of premiums you agree to pay. The premium amount can be invested in one of the investment fund options given to you wherein, this amount will be used to buy units of the chosen fund type. The premiums can e paid on yearly, half- yearly, quarterly(30 days grace period) or monthly basis(grace period of 15 days for payment).

So if you are not afraid of taking a risk of losing out on your money, this is the plan for you which in spite of being risky is lucrative as it gives higher returns as an investment option.

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Bima Account

This is a non-linked plan custom made to provide all the facilities an insurance plan is expected to provide. It is a simple enough plan which provides a guaranteed return and the proposer need not go through a medical examination. The premiums you pay will go into a dedicated policyholder’s account and the risk cover is provided after deduction of mortality charges. If you have paid all the premiums due, the amount in this account will earn an annual interest of 6% p.a. Loan facility is also available under this plan.

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New Jeevan Nidhi by Lic of India Plan - 812

LIC's latest pension plan called New Jeevan Nidhi Plan no-812 with guaranteed additions. It is a conventional with profits plan provides with death cover during deferment period and offers annuity on survival to the date of vesting.

Jeevan Nidhi in Simple Terms:-

Call : +91.9820934872 to apply for New Jeevan Nidhi Plan no-812

Also check Jeevan Saral Plan - 165