Insurance Plans: Saral Jeevan Bima Yojana - LIC

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In this government scheme, you'll get Rs 23 lakh by saving only Rs 160 per day

Saral Jeevan Bima Yojana - LIC
Saral Jeevan Bima Yojana - LIC

Life Insurance Corporation of India- LIC may be a government insurance firm . Which offers a spread of insurance and investment options. People prefer most of LIC's policies. This wish are often fulfilled if you would like to take a position a touch and obtain tons of return. LIC has launched a scheme for this. Named LIC New a refund Policy.

The specialty of this scheme is that the insured get a refund per annum for five years, good return on maturity, also as tax insurance benefits. This a refund plan from LIC may be a non-linked life assurance policy. Which guarantees returns and bonuses. you'll get 2 options of 20 years and 25 years to require this plan. This policy may be a completely tax free policy. 

With this, there'll be no tax on interest, premium payment and maturity amount. If you invest Rs 160 per day during this scheme for 25 years, you'll get Rs 23 lakh after 25 years.

According to LIC, an individual can take this plan for 13 to 50 years. during this plan, every fifth year i.e. fifth year, tenth year, 15th year, 20th year, you'll get 15-20% a refund . But this may only happen when a minimum of 10% premium is credited. along side this, investors are going to be given bonus at maturity. The scheme also will provide a complete of Rs 10 lakh for accidental death. Upon maturity, investors also will tend bonuses.


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What will be the age limit?
The Saral Life Insurance Plan can be purchased by a person of minimum 18 years and maximum 65 years and its policy term will be 5-40 years. This policy can be purchased for a maximum maturity age of 70 years. Speaking of Sum Assured, you can choose a minimum amount of Rs 5 lakh and a maximum amount of Rs 25 lakh in a simple life insurance policy. Some insurance companies may offer more Sum Assured for this plan but for this some terms and conditions have to be fulfilled under the plan.

Product Summary:

This is an Endowment Assurance plan where the proposer has simply to choose the amount and mode of premium payment. The plan provides financial protection against death throughout the term of the plan. The death benefit is directly related to the premiums paid. The Maturity Sum Assured depends on the age at entry of the life to be assured and is payable on survival to the end of the policy term. It also offers the flexibility of term and a lot of liquidity.

Premiums:

Premiums are payable yearly, half-yearly, quarterly, or monthly through salary deductions as opted by you throughout the term of the policy or till earlier death.

Loyalty Additions:

This is a with-profits plan and participates in the profits of the Corporation’s life insurance business. It gets a share of the profits in the form of loyalty additions which are terminal bonuses payable along with death benefit or maturity benefit. Loyalty Additions may be payable from the 10th year onwards depending upon the experience of the Corporation.

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