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Monday, 6 January 2014

LIC Of INDIA

LIC New Jeevan Anand Policy Table No 815

LIC Jeevan Anand Policy Table 815

LIC New Jeevan Anand(815) Plan is a participating non-linked plan which offers an attractive combination of protection and savings. This combination provides financial protection against death throughout the lifetime of the policyholder with the provision of payment of lump sum at the end of the selected policy term in case of his or her survival.

What is Sum Assured on Death?


Sum Assured on Death shall be Higher of ~
125% of Basic Sum Assured (1.25 x BSA)

OR

10 times Annual Premium. (10 x AP).

The death benefit as defined above shall not be less than 105% of total premiums* paid as on the date of death.
[*excluding taxes, extra premiums and premiums for riders, if any]


LIC Jeevan Anand Plan Details Plan no 815 Features


LIC Jeevan Anand Details Plan 815






Particulars
Jeevan Anand
Plan No. 149
New Jeevan Anand
Plan No. 815
Age at entry
18 to 65 years
18 to 50 years
Age at Maturity
Maximum  75 years
Maximum 75 Years
Policy Term / Premium Paying Term 
5 to 57 years
15 to 35 years
Premium mode
Yearly, Half-yearly, Quarterly, Monthly (SSS or ECS)
Yearly, Half-yearly, Quarterly, Monthly (SSS or ECS)
Basic Sum Assured
100000 and above
100000 and above
( In multiples of 5000)
Mode
Rebate
Plan 149
Plan No. 815
Yearly
3% of tabular Premium
2% of tabular premium
Half-yearly
1.5% of tabular premium
1% of tabular premium
Quarterly
Nil
Nil


Plan No 149
Jeevan Anand
Plan No. 815
New Jeevan Anand
Basic Sum Assured
Rebate (Rs.)
Basic Sum Assured
Rebate (Rs.)
10,00,000 and above
1.75‰ BSA
10,00,000 and above
3.00‰ BSA
5,00,000 to 9,95,000
1.50‰ BSA
5,00,000 to 9,95,000
2.50‰ BSA
3,00,000 to 4,95,000
1.00‰ BSA
2,00,000 to 4,95,000
1.50‰
1,00,000 to 2,95,000
Nil
1,00,000 to 1,95,000
Nil


Jeevan Anand
Plan No. 149
New Jeevan Anand
Plan No.815
Available after payment of 3 full year’s premiums.
Available after payment of 3 full year’s premiums.
Loan granted shall be 90% of the Surrender Value in case of in force policies and 85% of the Surrender Value in case of Paid-up policies irrespective of the policy term.
The maximum amount of loan that can be granted as a percentage of Surrender Value shall depend on the Policy Term, as given in the table below.
Foreclosure action was initiated on default of 2 or more half-yearly loan interest installments.
Foreclosure action shall not be taken under fully paid-up and in force policies even if there is a default of loan interest.

Policy Term
Upto 23
24 to 27
28 to 31
32 to 35
% for in force policies
90%
80%
70%
60%
% for Paid-up policies
80%
70%
60%
50%

Plan No.149
New Jeevan Ananad Plan No. 815
Guaranteed Surrender Value (GSV)
Guaranteed Surrender Value (GSV)
Available after payment of 3 full years’ premiums.
Available after payment of 3 full years’ premiums.
GSV shall be equal to 30% of the total premiums paid less First Year Premium and extra premium, if any.
GSV shall be a percentage of total premiums paid (net of taxes) excluding extra premium, if any and premium paid for riders, if opted for.
Examples of GSV factors applicable for total  premiums paid
Policy Year ~ GSV factor
         3   =   30%
         5   =   50%
       t -1  =   80% (t=Policy Term)
Cash Value of vested bonuses, if any.
GSV factor applicable to vested bonus, if any. Examples of Vested bonus factors –
Year of SV Policy Term Factor
       3                  15                  17.66%            
      19                 25                  20.85%
      29                 30                  30%

Jeevan Anand
Plan No. 149
New Jeevan Ananad
Plan 815
Special Surrender Value (SSV)
Special Surrender Value (SSV)
Surrender Value shall be the discounted value of the Paid-up Sum Assured and vested simple reversionary bonuses.
Surrender Value shall be the discounted value of the Paid-up Sum Assured and vested simple reversionary bonuses.
The discount factors shall be surrender value factors as provided in Table-1A and 2A (whole life) of the Special Surrender Value Booklet and will depend upon the policy term and duration elapsed since the commencement of the policy.
The discount factors shall be Special surrender value factors as provided in Table-1A and 2A (Whole life) of the Special Surrender Value Booklet and will depend upon the policy term and duration elapsed since the commencement of the policy.
Surrender Value Payable
Surrender Value payable
The Higher of Guaranteed Surrender Value and Special Surrender Value shall be payable.
The Higher of Guaranteed Surrender Value and Special Surrender Value shall be payable.


Jeevan  Anand
Plan No. 149
New Jeevan Anand
Plan No. 815
A  Policy may be revived within a period of 5 years from the date of first unpaid premium.
A  Policy may be revived within a period of 2 years from the date of first unpaid premium.
Accident Benefit inbuilt.
Accident Benefit as a rider.
Taxes, if any, were borne by the corporation.
Taxes, if any, shall be applicable at the prevailing rates and borne by the policyholder as per rules.


LIC Jeevan Anand 815 Policy Benefits: 

Death benefit : 


Provided all due premiums have been paid, the following death benefit shall be paid:

On Death during the policy term: 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 Basic Sum Assured or 10 times of annualised premium. This death benefit shall not be less than 105% of all the premiums paid as on date of death. 

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

On death of policyholder at any time after policy term: Basic Sum Assured

Benefits payable at the end of Policy Term: Basic Sum Assured, along with vested Simple Reversionary Bonuses and Final Additional Bonus, if any, shall be payable in lump sum on survival to the end of the policy term provided all due premiums have been paid.

Participation in Profits : 


The policy shall participate in profits of the Corporation and shall be entitled to receive Simple Reversionary Bonuses declared as per the experience of the Corporation during policy term provided the policy is in full force.

Final (Additional) Bonus may also be declared under the plan in the year when the policy results into death claim during the policy term or due for the survival benefit payment provided the policy is in full force and has run for certain minimum term.

Optional Benefit: 


LIC's Accidental Death and Disability Benefit Rider: LIC's Accidental Death and Disability Benefit Rider is available as an optional rider by payment of additional premium during the policy term. In case of accidental death during the policy term, Accident Benefit Sum Assured will be payable as lumpsum along with the death benefit under the basic plan. In case of accidental permanent disability arising due to accident (within 180 days from the date of accident), an amount equal to the Accident Benefit Sum Assured will be paid in equal monthly instalments spread over 10 years and future premiums for Accident Benefit Sum Assured as well as premiums for the portion of Basic Sum Assured which is equal to Accident Benefit Sum Assured under the policy, shall be waived.

Maximum Accidental Death and Disability Benefit Rider up to age 70.

Loan :

Loan can be availed under the policy provided the policy has acquired a surrender value and subject to the terms and conditions as the company may specify from time to time.

Income Tax Benefit :

Premium paid under this plan is eligible for TAX rebate under section 80c.
Maturity amount under this plan is free under sec 10(10D).

Proposal Form : 300 shall be used under this plan.


There shall be no change in the following Items
Back Dating
Grace Period
Paid-up Value
Assignment/Nomination


You can buy this as a LIC pension plan with single maturity or multiple maturities.






Lic New Jeevan Anand Plan Table No 815 


  LIC New Jeevan Anand Plan Table No 815 Illustration


LIC New Jeevan Anand Plan Table No 815 Illustration






















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