మీరు ఎల్ఐసీ పాలసీ తీసుకోవాలని భావిస్తున్నారా? అయితే మీకోసం ఒక పాలసీ అందుబాటులో ఉంది. అదే జీవన్ లాభ్. ఈ పాలసీ తీసుకుంటే తక్కువ ప్రీమియంతోనే అధిక రాబడి పొందొచ్చు.
- ఎల్ఐసీ అదిరే స్కీమ్
- తక్కువ ప్రీమియం
- అదిరే రాబడి
Let us understand the LIC Jeevan Plan better with the help of an example
We have Sumit Roy,, age 35 who wishes to buy this plan. He goes in for the plan with the following:
Sum Assured – Rs. 2,00,000
Term – 25 years. Based on this the premium payment term gets decided
Premium Payment Term – 16 years
Based on these parameters, his annual premium is Rs. 9,290 + Taxes = Rs. 9,708. Here we have assumed the current tax rate of 4.5%
Death Benefit
Scenario 1 : If Arvind dies after 3 policy years – The nominee would get the Sum Assured + Simple Reversionary Bonus + Final Addition Bonus.
Total Premiums Paid = Rs 29,124
Sum Assured = Rs. 2,00,000
Simple Reversionary Bonus = Rs. 40 per 1,000 Sum Assured for 3 years i.e. (Rs. 40 x 200 x 3) = Rs. 24,000. Here we have assumed that every year a bonus of Rs. 40 per 1,000 Sum Assured is being declared every year. This is just an assumption and it may be higher or lower than this.
Final Addition Bonus – Nil. Usually Final addition bonus is declared after a much longer premium payment term.
So nominee will get Rs. 2,00,000 + Rs. 24,000 = Rs. 2,24,000
Scenario 2 : If Sumit dies after 15 policy years – The nominee would get the Sum Assured + Simple Reversionary Bonus + Final Addition Bonus
Total Premiums Paid = Rs 1,45,620
Sum Assured = Rs. 2,00,000
Simple Reversionary Bonus = Rs. 40 per 1,000 Sum Assured for 15 years i.e. (Rs. 40 x 200 x 15) = Rs. 1,20,000. Here we have assumed that every year a bonus of Rs. 40 per 1,000 Sum Assured is being declared every year. This is just an assumption and it may be higher or lower than this.
Final Addition Bonus – Rs. 20 per 1,000 Sum Assured i.e. (Rs. 20 x 200) = Rs. 4,000. Here we have assumed a one time Final Addition Bonus of Rs. 20 per 1,000 Sum Assured. This is just an assumption and it may be higher or lower than this.
So his nominee will get Rs. 2,00,000 + Rs. 1,20,000 + Rs. 4,000 = Rs. 3,24,000
Maturity Benefit
Scenario 3 : If Sumit survives till the end of the policy term of 25 years – Arvind will get the Sum Assured + Simple Reversionary Bonus + Final Addition Bonus
Total Premiums Paid = Rs. 1,55,328
Sum Assured = Rs. 2,00,000
Simple Reversionary Bonus = Rs. 40 per 1,000 Sum Assured for 15 years i.e. (Rs. 40 x 200 x 25) = Rs. 2,00,000. Here we have assumed that every year a bonus of Rs. 40 per 1,000 Sum Assured is being declared every year. This is just an assumption and it may be higher or lower than this.
Final Addition Bonus – Rs. 20 per 1,000 Sum Assured i.e. (Rs. 20 x 200) = Rs. 4,000. Here we have assumed a one time Final Addition Bonus of Rs. 20 per 1,000 Sum Assured. This is just an assumption and it may be higher or lower than this.
So Sumit will get Rs. 2,00,000 + Rs. 2,00,000 + Rs. 4,000 = Rs. 4,04,000
