Lic Limited Payment Endowment Plan 830 Details

Lic Limited Payment Endowment Plan Table No 830 Details

CONDITIONS AND OTHER RESTRICTIONS:

Minimum Entry Age : 18 years completed

Maximum Entry Age : 62 years (age near birthday);

Maximum Maturity Age : 75 Years

Minimum Maturity Sum Assured : Rs.3 Lacs. Thereafter, in multiples of Rs.10000/-Maximum

Maturity Sum Assured : No Limit

Policy Term :12, 16, 21 years

Premium Paying Term : 8 & 9 yrs.

Maturity Sum Assured : Basic Sum Assured + Vested Bonus + FAB, if any;

Death Sum Assured : Sum Assured + VB + FAB, if any, where SA is defined as Higher of-10 times of Annualized Premium OR 125% of Basic Sum Assured OR 105% of all premiums paid;

Accident Benefit Rider :Optional rider with minimum Rs.10000/- & maximum up to Rs.1 Cr, subject to max SA;

Term Assurance Rider :Optional, with min Rs.1 Lac & max Rs.25 Lacs;

Mode Rebates :2% for Yearly & 1% for Half yearly;

High SA Rebates :5 Lacs to 9.90 Lacs=0.50% & 10 Lacs & above= 0.75%;

Revival of Lapsed policies :Within 2 years from date of FUP;

LIC New Limited Payment Endowment Plan Table No 830 Presentation

Lic New Limited Payment Endowment Plan Table No 830 Premium Calculator

Related Plans :  LIC New Endowment Plan Table No - 814

Lic Jeevan Shagun Plan 826 Premium Calculator

Close Ended Plan -  Available for 90 Days only from 01-09-2014 till 29-11-2014.

Lic Jeevan Shagun Single Premium Payment Plan 

Jeevan Shagun Benefits:

Death Benefit:

On death during first five policy years:

Basic Sum assured i.e. 10 times the tabular single premium shall be payable.

On death after completion of five policy years:

Basic Sum assured i.e. 10 times the tabular single premium along with Loyalty Addition, if any, shall be payable.

Survival Benefit: 

On Life Assured surviving to the end of the specified durations, the following Survival benefit shall be payable.

At the end of 10th policy year: 15% of the Maturity Sum Assured.
At the end of 11th policy year: 20% of the Maturity Sum Assured.

Maturity Benefit:

On maturity,  65% of the Maturity Sum Assured along with Loyalty Addition, if any, shall be payable.

Loyalty Addition:

Depending upon the Corporation’s experience, a policy shall participate in the profits in the form of Loyalty Addition. The Loyalty Addition, if any, shall be  payable on death or surrender, provided the policy has run for atleast  five policy years, or on policyholder surviving to the maturity, at such rate and on such terms as may be declared by the Corporation.

ELIGIBILITY CONDITIONS AND OTHER RESTRICTIONS:

Minimum Entry Age                                         : 8 years (completed)
Maximum Entry Age                                         : 45 years (nearest birthday)
Minimum/Maximum Basic Sum Assured        : 10 times of tabular single premium paid
                                                                                        

Minimum Maturity Sum Assured                      : Rs. 60,000/-
Maximum Maturity Sum Assured                      : No Limit
Maturity Sum Assured shall be available in multiples of Rs. 5,000/-.

Policy Term                                                        : 12 years
Premium payment mode                                   : Single premium only

Lic Jeevan Shagun Table no 826 Plan Presentation

Lic Jeevan Shagun Table no 826 Plan Premium Chart

Interested to buy it, please contact at 9811362697.

Related Plans :  LIC Single Premium Endowment Plan - 817
Other Plans :  LIC New Jeevan Anand Plan Table No - 815, LIC New Endowment Plan Table No - 814

Varishtha Pension Bima Yojana Senior Citizens Plan 828

Lic Varishtha Pension Bima Yojana for Senior Citizens Plan 828 Details 

Maximum Limit of Investment under Pradhan Mantri Vaya Vandana Yojana is Rs. 15 lakhs per senior citizen as against the existing limit of Rs. 7.5  lakhs per family and extended the period  up to 31 March, 2020.

• Available to citizens aged 60 years and above. No maximum age limit.

• Pension would be on immediate annuity basis in monthly, quarterly, half-yearly or annual mode, varying, respectively, between Rs. 500 to 5000 (monthly), Rs. 1500 to 15,000 (quarterly), Rs. 3000 to Rs. 30,000 (half-yearly) and from Rs. 6,000 to Rs. 60,000 (annually), depending on the amount subscribed and the option exercised.

• The payout implies an assured return of 9% on monthly payment basis, which amounts to an annualized return of 9.38%. 

• Loan (up to 75% of subscribed amount) can be availed after 3 years from the Date of Commencement. Present interest rate is 9% compounded half yearly.

• On death, the full purchase price will be refunded to nominee. 

• Exit/surrender would be allowed after 15 years or earlier in special circumstances like critical / terminal illness of self or spouse.

• Payment will be through ECS or NEFT. 

Rebate: 

No Rebate is available under this plan.

Taxes: 

As per Tax laws, Taxes including service tax is applicable. Present year tax rate is 3.09 %. Policyholder has to pay the tax amount also while taking the policy. Tax amount which you pay on the purchase price is not considered for calculation of pension.

Surrender value:

The Varishtha Pension plan can be surrendered after 15 years. The surrender value payable is 100% Purchase Price means what we invested will be returned back if we want to withdraw after 15 years.

If any medical emergency exists for self or spouse then pension plan can be surrendered under exceptional circumstances, 98% of the purchase Price will be refunded back to the customer.

Pension Payable: 

Pension in the form of Annuity is payable to the pensioner during the life time of the pensioner as per the mode (yearly, half yearly, quarterly, monthly)  chosen by the pensioner.

Death Benefits: 

If Death Occurs, Nominee gets invested amount.

Suicide clause:  Not applicable

Locking period: 15 days. Policy Holder can return the policy if not satisfied with policy terms and conditions.

Assignments and Nominations: Possible

80C or 10(10D) tax benefits - Investment under this scheme does not qualify for any tax deduction under section 80C or 80CCD. Moreover, the pension income is taxable as per the tax slab of the pensioner.

Free Look Period - If you are not satisfied with the terms and conditions of this scheme, you may ask for a refund of your investment amount within 15 days from the date of receipt of the policy stating the reason of objections. The amount to be refunded within free look period will be the investment amount deposited by the investor less the stamp duty charges.

Premature Surrender - The policy can be surrendered after completion of 15 years. The investor will get the investment amount in full as the surrender value after 15 years. However, under exceptional circumstances, if the pensioner requires money for the treatment of any critical/terminal illness of self or spouse, then the policy can be surrendered before the completion of 15 years and the surrender value payable will be 98% of the investment amount.

Unfortunate Event - On death of the pensioner, the investment amount will be refunded in full to the nominee of the pensioner. However, as only the invested amount is refunded, there is no special insurance benefit available with this scheme.

Service Tax Exemption on VPBY Effective April 1, 2015

What I understand from the info available publicly, it will be effective April 1, 2015. If it is correct, what about all those investors who have invested in this scheme till date? I think they will definitely stand disappointed and rightly so. I think they should also be provided such benefit right from their date of investment. The government should once again think about it.

As far as investment in this scheme is concerned, I think service tax exemption has made this scheme a little more attractive as compared to fixed deposits or other small saving schemes. You can consider this scheme if you want a super safe investment avenue with reasonably high returns for yourself.

Lic Varishtha Pension Bima Yojana Table No 827 Chart including 3.09 % Tax

Lic Varishtha Pension Bima Yojana Table No 827 Form

Lic Jeevan Rakshak Plan 827 Features & Details

Lic Jeevan Rakshak Plan Table no 827

LIC New Jeevan Rakshak Plan Table No 827 Premium Chart

LIC New Jeevan Saral ATM Plan table no 825

LIC NEW JEEVAN SARAL PLAN (Plan No 825) 

LIC NEW Jeevan Saral  ATM Plan table no 825 Features:

Minimum Age at entry: 8 yr.

Maximum Age at entry: 50 yr.

Minimum Term: 15 Years

Maximum Term: 35 years

Minimum Sum Assured: 1, 00,000 INR (1 Lac)

Minimum Monthly Premium: 400 INR

Launch Date: Yet to Launch

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More Details of New Jeevan Saral Plan will be updated soon after launching of plan.

LIC New Golden Money Back Policy Details

LIC New Golden Money Back Maturity Plan Details

LIC New Golden Money Back is a plan where premiums paid over the term of plan are paid back during the policy term in instalments and life insurance cover is available not only during the term but also during the extended term of the plan.

Related Plans :  LIC New Jeevan Anand Plan Table No - 815, LIC New Endowment Plan Table No - 814

LIC Jeevan Anand Money Back Policy Details

LIC Jeevan Anand Money Back Policy

Related Plans :  LIC New Jeevan Anand Plan Table No - 815, LIC New Endowment Plan Table No - 814

LIC New Dhan Varsha Money Back Policy

LIC New Dhan Varsha Money Back Policy

Related Plans :  LIC New Jeevan Anand Plan Table No - 815, LIC New Endowment Plan Table No - 814

LIC Term Insurance Anmol Jeevan 822 & Amulya Jeevan 823

LIC Term Insurance Anmol Jeevan 822 & Amulya Jeevan 823 Details

LIC Pension Plan Calculator Return & Details

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LIC New Plan's Premium & Maturity Calculator

LIC New Jeevan Anand Policy Table No 815 Details

LIC Jeevan Anand Policy Table 815 Details

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]

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

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LIC Money Back Plan for 25 Years Table No 821

LIC's Money Back Plan-25 years is a non-linked plan with attractive combination of protection against death throughout the term.

A Policy may be revived within a period of 2 years from the date of first unpaid premium.
Taxes, if any, shall be applicable at the prevailing rates and borne by the policyholder as per rules.

Maturity Benefit 

40% of the Basic Sum Assured along with Vested Simple Reversionary Bonuses and Final Additional Bonus, if Any

Death Benefit 

Sum Assured on Death’ along with Vested Simple Reversionary Bonuses and Final Additional Bonus, if any.
The death benefit as defined above shall not be less than 105% of total premiums* paid as on the date of death.

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 Annualized Premium. (10 x AP).
[*Premiums - excluding taxes, extra premiums and premiums for riders, if any]

SURVIVAL BENEFIT (as a percentage of Sum Assured)

Policy Year	5th	10th	15th	20th
Survival Benefit Payable	15%	15%	15%	15%

Paid –up value shall be equal to (Number of premiums paid/ Total Number of premiums payable) x Basic Sum Assured less total amount of Survival Benefits paid under the policy.

Eligibility Conditions and Restrictions

Age at entry - 13 to 45 years
Age at Maturity - Maximum 70 Years
Policy Term - 25 years
Premium Paying Term – 20 Years
Premium mode – Yearly, Half-yearly, Quarterly, Monthly (SSS or ECS)
Basic Sum Assured - 1,00,000 and above ( In multiples of 5000)

Loan

Available after payment of 3 full years’ premiums.
The maximum amount of loan that can be granted as a percentage of Surrender Value be as under:
For enforce and fully paid-up policies – up to 90%
For paid-up policies – 80%
Foreclosure action shall not be taken under fully paid-up and enforce policies even if there is default of loan interest.

Surrender Value

Guaranteed Surrender Value (GSV)

Available after payment of 3 full years premiums.
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. Less any Survival Benefits already paid.
Examples of GSV factors applicable for total premiums paid
Policy Year ~ GSV factor
3                   =       30%
5                   =       50%
t -1                =      80% (t=Policy Term)
GSV factor applicable to vested bonus, if any. Examples of Vested bonus factors –
Year of SV – Factor
3                     15.28%
20                   21.99%
24                   30%

Special Surrender Value (SSV)

Surrender Value shall be the discounted value of the Paid-up Sum Assured and vested simple reversionary bonuses.
The discount factors shall be special surrender value factors as provided in Table-1A of the Special Surrender Value Booklet and will depend upon the policy term and duration elapsed since the commencement of the policy.
The Higher of Guaranteed Surrender Value and Special Surrender Value shall be payable.

Lic New Money Back Table No 821-25 years from Satyendra Gupta

LIC Money Back Plan for 25 Years Table No 821 Premium Chart

LIC Money Back Plan for 25 Years Table No 821 Illustration