LIC Policy : LIC Jeevan Shiromani

LIC shiromani ek unique LIC policy hai, kyunki first time LIC ne ek aisi policy nikali hai jiski sum assured value minimum 1 Crore Rs. hai.

Ye ek bohat badi amount hai agar aapko LIC ki baki policy ke bare me pata hai to apko pata hoga ki LIC me aaj tak itni badi sum assured vali policy nahi nikali gayi hai0. Lic ki baki policy me hardly 2 to 5 lakh tak value sum assured hoti hai.

Iss policy me premium paying term policy term se 4 saal kum hai yani agar aap 20 saal ke liye policy lete hai to 16 saal ke liye hi premium pay karna padega.

Jyadatar LIC policy me aap 3 saal baad surrender or paid up kar sakte hai ya loan ke liye apply kar sakte hai par iss policy me ye duration sirf 1 saal tak rakha gaya hai.

Critical illness policy hamare desh me aaj kal bohat popular hai, isko dhyan me rakh kar LIC ne critical illness benefit bhi iss policy me add kiye hai.

To apne dekha ki ye LIC policy me kafi aise feature hai jo bohat ache aur faydemand hai to aab aapko ye policy kya hai, kis age group ke liye beneficial hai aur kitne term ki policy hogi inn sab ke bare me jankari denge.

LIC Policy

LIC Shiromani Preview:

LIC shiromani ek money back plan hai jo 19th december 2017 ko launch kiya gaya hai. ye ek non-linked, with profit, limited premium payment money back plan hai.

Ye policy HNI (High networth individuals) ke liye banayi gai hai.

To iss policy ko kharid ne ke liye kya eligibility honi chahiye iske bare me apko hum batate hai.

LIC jeevan shiromani ke liye Eligibility & conditions:

Minimum Maximum
Sum Assured Rs. 1 Crore No Limit
Policy Term 14, 16, 18 and 20 years
Premium Paying Term Policy term – 4 years
Policyholder’s Age 18 Years (Completed) 55 Years for 14 Year term
51 Years for 16 year term
48 Years for 18 year term
45 years for 20 year term
Maximum Age at Maturity 69 years for 14 years term
67 years for 16 years term
66 years for 18 years term
65 years for 20 years term
Premium Payment Modes Yearly, Half Yearly, Quarterly and Monthly

LIC ki ye policy me konse benefit hai aur ye apko kyu leni chahiye iske bare me hum apko details denge.

LIC Shiromani ke benefits:

  • Death Benefit
  • Survival Benefit
  • Maturity Benefit
  • Critical Illness Benefit

To apko hum ye sare benefits ke detail example ke sath samjne ki koshish karte hai.

1) LIC Jeevan Shiromani ke death benefit

Policy holder ki death, policy kharidne ke baad 5 saal ke andar hoti hai to usse sum assured on death hai +  guaranteed addition jo Rs.50 per Rs.1000 sum assured ke hisab se milega.

Agar policy holder ki death policy kharid ne ke 6 saal baad hoti hai to usse sum assured on death hai +  guaranteed addition jo Rs.55 per Rs.1000 sum assured + loyalty addition ke hisab se milega.

Yaha par loyalty addition LIC decide karti hai. ye pehle se define nahi hote. Woh particular year me jo dar (rate) hote hai uske hisab se usse loyalty addition milta hai.

Death par milne vala sum assured:

  • Apke annual premium ka 10 times.
  • Sum assured ka 125%.
  • Death ki date tak kiye gaye premium ka 105%.

2) Survival Benefits

Agar policy holder policy term tak survive karta hai to usse fixed % of basic sum assured milta hai. jo niche bataya gaya hai.

14 Yrs Policy – 30% of Basic Sum Assured on the 10th and 12th policy anniversary.

16 Yrs Policy – 35% of Basic Sum Assured on the 12th and 14th policy anniversary.

18 Yrs Policy – 40% of Basic Sum Assured on the 14th and 16th policy anniversary.

20 Yrs Policy – 45% of Basic Sum Assured on the 16th and 18th policy anniversary.

3) Maturity benefits

Policy holder policy term ke end tak survive karta hai to usse survival benefit aur niche diye hue benefit bhi milte hai.

14 Years Policy – 40% of Basic Sum Assured + Guaranteed Addition + Loyalty Additions.

16 Years Policy – 30% of Basic Sum Assured+Guaranteed Addition + Loyalty Additions.

18 Years Policy – 20% of Basic Sum Assured+Guaranteed Addition + Loyalty Additions.

20 Years Policy – 10% of Basic Sum Assured+Guaranteed Addition + Loyalty Additions.

4) Critical illness benefits

LIC death, survival aur maturity benefit ke sath critical illness ke benefit bhi provide karti hai jisme batayi gayi bimariyo ki list niche di gayi hai.

  • Cancer of specified severity
  • Open chest CABG
  • Myocardial infarction
  • Kidney failure requiring regular dialysis
  • Major organ/bone marrow transplant (as recipient)
  • Stroke resulting in permanent symptoms
  • Permanent paralysis of limbs
  • Multiple sclerosis with persisting symptoms
  • Aortic Surgery
  • Primary (idiopathic) pulmonary hypertension
  • Alzheimer’s disease/dementia
  • Blindness
  • Third-degree burns
  • Open heart replacement or repair of heart valves
  • Benign brain tumor

Ye sari illness par LIC policy ke terms & condition ke hisab se apko benefit milte hai.

Iss LIC policy me aur 3 option riders bhi add kiye gaye hai,

  • Accidental death & disability rider
  • Accidental death benefit rider
  • New term insurance rider

LIC ke ye policy kafi alag hai isme bohat sare feature provide kiye gaye hai. LIC ke plan  5 to 6% tak annual return dete hai. Agar apka ye objective hai to aap aisi policy kharid kar apna future secure kar sakte hai.

Iss article se related aur koi bhi query hai to comment box me puchh sakte hai.

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