LIC Jeevan Lakshya plan benefits in Hindi |
LIC जीवन लक्ष्य योजना एक लोकप्रिय जीवन बीमा योजना है जो एलआईसी (लाइफ इंश्योरेंस कॉर्पोरेशन) द्वारा प्रदान की जाती है।
यह योजना व्यक्तिगत वित्तीय लक्ष्यों की प्राप्ति के लिए सुरक्षा और बचत को मिलाती है। इस खंड में, हम LIC जीवन लक्ष्य योजना के कुछ महत्वपूर्ण लाभों पर चर्चा करेंगे।
- जीवन बीमा विमा: LIC जीवन लक्ष्य योजना एक जीवन बीमा योजना है जो आपके जीवन को सुरक्षित रखती है। यह योजना आपके परिवार को आपके निधन के बाद एक निश्चित राशि की प्रदान करती है, जो उन्हें आर्थिक संकट से बचाने में मदद करती है।
- नियमित आय प्रदान: LIC जीवन लक्ष्य योजना आपको नियमित आय की प्रदान करती है। यह आपके जीवन के लिए एक सुरक्षा जाल बनाती है और आपकी आर्थिक स्थिति को मजबूती प्रदान करती है।
- जीवन बीमा योग्यता: LIC जीवन लक्ष्य योजना में प्रीमियम भुगतान करने के बाद आपको एक जीवन बीमा योग्यता मिलती है। यह योग्यता आपको अवधि के अंत तक बीमा कवरेज प्रदान करती है और आपके परिवार को आपके निधन के बाद आर्थिक सहायता उपलब्ध कराती है।
- मृत्यु लाभ: LIC जीवन लक्ष्य योजना में यदि आपका निधन हो जाता है, तो योजना अवधि के अंत तक प्रीमियम भुगतान करने के बाद एक मृत्यु लाभ प्रदान किया जाता है। इस तरह, यह योजना आपके परिवार को आपके निधन के बाद आर्थिक सहायता उपलब्ध कराती है।
- आकर्षक मुद्रास्फीति: LIC जीवन लक्ष्य योजना आपको निवेश पर आकर्षक मुद्रास्फीति भी प्रदान करती है। इस योजना में आपको निवेशित राशि पर बोनस और लाभ की गारंटी मिलती है, जो आपको दौरानिक आय और व्यापारिक उद्योग की वृद्धि में मदद करती है।
LIC जीवन लक्ष्य योजना आपके वित्तीय लक्ष्यों की प्राप्ति के लिए एक अच्छा विकल्प हो सकती है।
यह योजना आपकी आर्थिक सुरक्षा और बचत को सुनिश्चित करने में मदद करती है और आपके परिवार को आपके निधन के बाद आर्थिक सहायता प्रदान करती है।
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एलआईसी जीवन लक्ष्य एक गैर-लिंक्ड, सीमित प्रीमियम भुगतान, लाभ-सहित बंदोबस्ती आश्वासन योजना है। इसे मार्च 2015 में पेश किया गया था। यह योजना सुरक्षा और बचत का संयोजन प्रदान करती है।
योजना निम्नलिखित लाभ प्रदान करती है:
मृत्यु लाभ: बीमित व्यक्ति की मृत्यु के मामले में, नामांकित व्यक्ति को किसी भी अर्जित बोनस के साथ बीमा राशि प्राप्त होगी।
परिपक्वता लाभ: परिपक्वता पर, पॉलिसीधारक को किसी भी अर्जित बोनस के साथ बीमित राशि प्राप्त होगी।
वार्षिक आय लाभ: पॉलिसी अवधि के 9वें वर्ष से, नामांकित व्यक्ति को पॉलिसी अवधि (30 वर्ष) के अंत तक हर साल बीमित राशि का 10% प्राप्त होगा।
कर लाभ: जीवन बीमा प्रीमियम आयकर अधिनियम, 1961 की धारा 80C के तहत कर-कटौती योग्य हैं।
योजना में निम्नलिखित विशेषताएं हैं:
प्रीमियम भुगतान अवधि: प्रीमियम भुगतान अवधि 15, 20, 25 या 30 वर्ष हो सकती है।
सम एश्योर्ड: सम एश्योर्ड ₹ 1 लाख से ₹ 50 लाख के बीच हो सकता है।
प्रवेश के समय आयु: प्रवेश के समय न्यूनतम आयु 18 वर्ष है और प्रवेश के समय अधिकतम आयु 50 वर्ष है।
योजना निम्नलिखित प्रीमियम चार्ज करती है:
नियमित प्रीमियम: नियमित प्रीमियम वार्षिक, अर्धवार्षिक, त्रैमासिक या मासिक देय होता है।
सिंगल प्रीमियम: पॉलिसी लेते समय सिंगल प्रीमियम का भुगतान किया जा सकता है।
योजना निम्नलिखित राइडर प्रदान करती है:
दुर्घटना मृत्यु लाभ राइडर: यह राइडर बीमित व्यक्ति की आकस्मिक मृत्यु के मामले में अतिरिक्त मृत्यु लाभ प्रदान करता है।
क्रिटिकल इलनेस राइडर: यह राइडर बीमित व्यक्ति के क्रिटिकल इलनेस से पीड़ित होने की स्थिति में अतिरिक्त एकमुश्त राशि प्रदान करता है।
टर्म राइडर: यह राइडर एक निर्दिष्ट अवधि के लिए अतिरिक्त मृत्यु लाभ प्रदान करता है।
यह योजना उन लोगों के लिए एक अच्छा विकल्प है जो सुरक्षा और बचत के संयोजन की तलाश में हैं। यह योजना एक वार्षिक आय लाभ प्राप्त करने के विकल्प के साथ एक गारंटीड मृत्यु लाभ और एक परिपक्वता लाभ प्रदान करती है। योजना कर लाभ भी प्रदान करती है।
हालाँकि, योजना की कुछ सीमाएँ हैं। प्रीमियम कुछ अन्य जीवन बीमा योजनाओं की तुलना में अधिक है।
योजना में 5 साल की लॉक-इन अवधि भी है। इसका मतलब है कि अगर आप 5 साल के भीतर पॉलिसी सरेंडर करते हैं तो आपको कोई रिटर्न नहीं मिलेगा।
कुल मिलाकर, एलआईसी जीवन लक्ष्य उन लोगों के लिए एक अच्छा विकल्प है जो सुरक्षा और बचत के संयोजन के साथ एक व्यापक जीवन बीमा योजना की तलाश कर रहे हैं।
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LIC Jeevan Lakshya is a non-linked, limited premium paying, with-profit endowment assurance plan. It was introduced in March 2015. The plan offers a combination of protection and savings.
The plan provides the following benefits:
- Death benefit: In case of the insured’s death, the nominee will receive the sum assured, along with any accrued bonuses.
- Maturity benefit: On maturity, the policyholder will receive the sum assured, along with any accrued bonuses.
- Annual income benefit: From the 9th year of the policy period, the nominee will receive 10% of the sum assured every year till the end of the policy term (30 years).
- Tax benefits: Life insurance premiums are tax-deductible under Section 80C of the Income Tax Act, 1961.
The plan has the following features:
- Premium payment term: The premium payment term can be 15, 20, 25, or 30 years.
- Sum assured: The sum assured can be between ₹1 lakh and ₹50 lakh.
- Age at entry: The minimum age at entry is 18 years and the maximum age at entry is 50 years.
The plan charges the following premiums:
- Regular premium: The regular premium is payable annually, half-yearly, quarterly, or monthly.
- Single premium: A single premium can be paid at the time of taking the policy.
The plan offers the following riders:
- Accidental death benefit rider: This rider provides an additional death benefit in case of accidental death of the insured.
- Critical illness rider: This rider provides an additional lump sum amount in case of the insured being diagnosed with a critical illness.
- Term rider: This rider provides an additional death benefit for a specified period of time.
The plan is a good option for people who are looking for a combination of protection and savings. The plan offers a guaranteed death benefit and a maturity benefit, along with the option to receive an annual income benefit. The plan also offers tax benefits.
However, the plan has some limitations. The premium is higher than some other life insurance plans. The plan also has a lock-in period of 5 years. This means that if you surrender the policy within 5 years, you will not get any returns.
Overall, Lic Jeevan Lakshya is a good option for people who are looking for a comprehensive life insurance plan with a combination of protection and savings.
LIC Life Insurance Jeevan Lakshya Plan: Secure Your Future
Introduction
When it comes to planning for the future, securing the financial well-being of your loved ones is of utmost importance.
Life insurance plays a crucial role in providing financial protection and peace of mind. LIC (Life Insurance Corporation) is a trusted name in the insurance industry, offering a wide range of insurance plans to cater to diverse needs.
One such plan is the LIC Jeevan Lakshya plan, designed to provide long-term financial security and meet various life goals.
In this article, we will delve into the details of the LIC Jeevan Lakshya plan, its key features, benefits, eligibility criteria, premium calculation, maturity and death benefits, loan facility, tax benefits, and the process to apply for the plan.
What is LIC life insurance Jeevan Lakshya plan?
LIC Jeevan Lakshya is a non-linked participating life insurance plan that offers financial protection to policyholders and their families.
It is a limited premium payment plan, which means you pay premiums for a specific term while enjoying coverage for an extended period.
The plan provides both life cover and savings benefits, making it an ideal choice for individuals seeking comprehensive protection with wealth creation opportunities.
Key features of LIC Jeevan Lakshya plan
- Flexible Premium Payment: The policy offers flexible premium payment options, allowing you to choose between yearly, half-yearly, quarterly, or monthly premium modes based on your convenience.
- Limited Premium Payment Term: The premium payment term is shorter than the policy term, ensuring you complete premium payments earlier while enjoying the benefits of coverage throughout the policy term.
- Enhanced Protection: LIC Jeevan Lakshya plan provides enhanced protection with the inclusion of an additional sum assured on maturity, which is payable in case of survival till the end of the policy term.
- Survival Benefits: The plan offers regular income in the form of survival benefits during the policy term. These benefits are paid annually and continue until the end of the policy term or the policyholder’s demise, whichever is earlier.
Benefits of LIC Jeevan Lakshya plan
- Maturity Benefits: On survival till the end of the policy term, the policyholder receives the sum assured on maturity, which includes the basic sum assured and any accrued bonuses.
- Death Benefits: In the unfortunate event of the policyholder’s demise during the policy term, the death benefits are paid to the nominee. The death benefit includes the sum assured on death, additional sum assured on maturity, and any accrued bonuses.
- Loan Facility: Policyholders have the option to avail of a loan against the LIC Jeevan Lakshya plan, providing them with financial flexibility during emergencies.
- Tax Benefits: The premiums paid towards the LIC Jeevan Lakshya plan are eligible for tax benefits under Section 80C of the Income Tax Act. The maturity or death benefits received are also tax-exempt under Section 10(10D) of the Act, subject to applicable provisions.
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Eligibility criteria
To be eligible for the LIC Jeevan Lakshya plan, individuals must meet the following criteria:
- Minimum Entry Age: 18 years
- Maximum Entry Age: 50 years
- Policy Term: 13 to 25 years
- Premium Payment Term: 3 to 15 years
- Minimum Basic Sum Assured: Rs. 1 lakh
- No maximum limit on Basic Sum Assured
Premium calculation
The premium for the LIC Jeevan Lakshya plan is calculated based on several factors, including the policyholder’s age, chosen sum assured, policy term, premium payment term, and other applicable factors.
It is advisable to use LIC’s premium calculator or consult an LIC agent to determine the exact premium amount based on your specific requirements.
Maturity benefits
The LIC Jeevan Lakshya plan provides maturity benefits to policyholders who survive till the end of the policy term.
On maturity, the policyholder receives the sum assured on maturity, which includes the basic sum assured and any accrued bonuses.
This lump sum amount can be utilized to fulfill various financial goals or secure the future of your loved ones.
Death benefits
In the unfortunate event of the policyholder’s demise during the policy term, the LIC Jeevan Lakshya plan offers death benefits to the nominee.
The death benefit comprises the sum assured on death, additional sum assured on maturity, and any accrued bonuses.
This ensures that your family receives financial support in your absence, helping them maintain their standard of living and meet their future needs.
Loan facility
LIC Jeevan Lakshya plan provides a loan facility, allowing policyholders to avail of a loan against their policy. The loan amount depends on the surrender value of the policy, which increases with time. This feature can be useful during financial emergencies or when immediate funds are required.
Tax benefits
The premiums paid towards the LIC Jeevan Lakshya plan are eligible for tax benefits under Section 80C of the Income Tax Act, subject to the overall limit. Additionally, the maturity or death benefits received from the plan are tax-exempt under Section 10(10D) of the Act, ensuring that the benefits are not eroded by taxes.
How to apply for LIC Jeevan Lakshya plan
Applying for the LIC Jeevan Lakshya plan is a simple and straightforward process. Here are the general steps to follow:
- Research: Gather information about the plan, its features, and benefits to determine if it aligns with your financial goals.
- Contact LIC Agent: Reach out to an LIC agent or visit the nearest LIC branch to get personalized assistance and guidance regarding the plan.
- Fill Application Form: Complete the application form with accurate details and provide the necessary documents as per the requirements.
- Medical Examination (if applicable): Undergo a medical examination if mandated by LIC or based on your age and sum assured.
- Premium Payment: Pay the premium amount as per the chosen premium payment frequency and mode.
- Submission and Approval: Submit the application form along with the required documents to LIC. The application will be reviewed, and upon approval, the policy documents will be issued.
- Policy Commencement: Once the policy is issued, it comes into effect, and you can start enjoying the benefits and protection offered by the LIC Jeevan Lakshya plan.
FAQs
- Can I surrender my LIC Jeevan Lakshya plan before maturity?
Yes, you have the option to surrender your LIC Jeevan Lakshya plan before maturity. However, surrendering the policy may lead to a loss of benefits, and the surrender value will depend on the policy’s duration and the premiums paid.
- Can I revive my lapsed LIC Jeevan Lakshya policy?
Yes, you can revive a lapsed LIC Jeevan Lakshya policy within the revival period, which is usually two years from the date of the first unpaid premium. Reviving the policy requires paying the outstanding premiums, along with any interest or penalties as per LIC’s guidelines.
- Can I change the premium payment term after purchasing the LIC Jeevan Lakshya plan?
No, the premium payment term cannot be changed once the policy is purchased. It is important to carefully choose the premium payment term at the time of policy inception.
- Can I take multiple LIC Jeevan Lakshya policies?
Yes, you can have multiple LIC Jeevan Lakshya policies based on your eligibility and financial requirements. Each policy will have its own premium, sum assured, and benefits.
- Is it possible to avail of a loan against my LIC Jeevan Lakshya policy for any purpose?
Yes, you can avail of a loan against your LIC Jeevan Lakshya policy. The loan amount will depend on the surrender value of the policy, and you can utilize it for various purposes such as education, marriage, or any other financial needs.
Conclusion
The LIC Jeevan Lakshya plan is a comprehensive life insurance policy that provides long-term financial security and serves as a valuable investment tool. With its flexible premium payment options, survival benefits, maturity benefits, death benefits, loan facility, and tax advantages, the plan offers a holistic approach to financial planning. By understanding the features, benefits, eligibility criteria, and application process, you can make an informed decision and secure your future effectively.
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FAQs
- How can I access the LIC Jeevan Lakshya plan brochure?
You can access the LIC Jeevan Lakshya plan brochure by visiting LIC’s official website or contacting an LIC agent who can provide you with detailed information and assist you in understanding the plan better.
- Can I convert my LIC Jeevan Lakshya policy into a paid-up policy?
Yes, you have the option to convert your LIC Jeevan Lakshya policy into a paid-up policy if you have paid premiums for at least three policy years. This means that the policy will continue with reduced benefits, but no further premiums will be required.
- Are there any riders available with the LIC Jeevan Lakshya plan?
Yes, LIC offers additional riders that can be attached to the Jeevan Lakshya plan for enhanced coverage. Some popular riders include accidental death benefit rider, critical illness rider, and disability benefit rider. You can discuss the available riders with your LIC agent and choose the ones that suit your needs.
- Can I increase or decrease the sum assured during the policy term?
No, the sum assured cannot be increased or decreased once the LIC Jeevan Lakshya policy is in force. The sum assured is fixed at the time of policy inception and remains unchanged throughout the policy term.
- Is there a cooling-off period for the LIC Jeevan Lakshya plan?
Yes, there is a cooling-off period of 15 days from the date of receiving the policy documents. During this period, you have the option to review the policy terms and conditions and return the policy if you are not satisfied, subject to certain terms and conditions.
Must Read
LIC jeevan lakshya plan kanyadaan policy benefits features in details
LIC Jeevan Lakshya is a popular life insurance plan offered by the Life Insurance Corporation of India (LIC). Although it is not specifically referred to as a “Kanyadaan policy,” it can provide financial security and benefits for your family’s future. Here are the key features and benefits of LIC Jeevan Lakshya:
- Death Benefit: In the unfortunate event of the policyholder’s demise during the policy term, the death benefit is payable to the nominee. The death benefit consists of the sum assured on death, which is a percentage of the basic sum assured, along with vested Simple Reversionary Bonuses and Final Additional Bonus, if any.
- Maturity Benefit: If the policyholder survives until the end of the policy term, the maturity benefit is provided. It includes the sum assured on maturity, which is a lump sum amount, along with vested Simple Reversionary Bonuses and Final Additional Bonus, if any.
- Limited Premium Payment: The premium payment term is shorter than the policy term. Generally, the premium payment period is three-quarters of the policy term. This means that you only need to pay premiums for a limited duration while enjoying life coverage for a more extended period.
- Annual Income Benefit: This plan offers an annual income benefit to the family in case of the policyholder’s unfortunate demise. This benefit is equal to 10% of the sum assured and is payable from the policy anniversary following the death until the end of the policy term.
- Additional Rider Options: LIC Jeevan Lakshya allows you to enhance your coverage by adding riders to the base plan. Riders like Accidental Death and Disability Benefit Rider, New Term Assurance Rider, and Critical Illness Rider can be opted for an additional premium.
- Loan Facility: After the policy acquires a surrender value, you can avail a loan against the policy. The loan amount can be up to 90% of the surrender value, depending on the terms and conditions of LIC.
- Tax Benefits: Premiums paid towards LIC Jeevan Lakshya are eligible for tax benefits under Section 80C of the Income Tax Act, 1961. The death benefit and maturity benefit are also tax-exempt under Section 10(10D) of the Act, subject to fulfillment of certain conditions.
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LIC jeevan lakhya policy ke features benefits eligibility kya hai?
LIC Jeevan Lakshya is a life insurance policy offered by the Life Insurance Corporation of India (LIC). Here are the key features, benefits, and eligibility criteria of the LIC Jeevan Lakshya policy:
Features:
- Policy Type: LIC Jeevan Lakshya is a participating, non-linked, limited premium payment plan that provides both protection and savings.
- Premium Payment Term: The premium payment term is shorter than the policy term. It is generally three-quarters of the policy term.
- Policy Term: The policy term can range from 13 to 25 years, depending on your preference and eligibility.
- Maturity Benefit: On survival till the end of the policy term, the maturity benefit is provided. It includes the sum assured on maturity, along with vested Simple Reversionary Bonuses and Final Additional Bonus, if any.
- Death Benefit: In the unfortunate event of the policyholder’s demise during the policy term, the death benefit is payable to the nominee. The death benefit consists of the sum assured on death, which is a percentage of the basic sum assured, along with vested Simple Reversionary Bonuses and Final Additional Bonus, if any.
- Annual Income Benefit: This plan offers an annual income benefit to the family in case of the policyholder’s unfortunate demise. This benefit is equal to 10% of the sum assured and is payable from the policy anniversary following the death until the end of the policy term.
- Additional Rider Options: You can enhance your coverage by adding riders to the base plan. Riders such as Accidental Death and Disability Benefit Rider, New Term Assurance Rider, and Critical Illness Rider are available for an additional premium.
- Loan Facility: After the policy acquires a surrender value, you can avail a loan against the policy. The loan amount can be up to 90% of the surrender value, depending on the terms and conditions of LIC.
Benefits:
- Financial Protection: LIC Jeevan Lakshya provides financial protection to your family in the event of your demise during the policy term.
- Maturity Benefit: On surviving the policy term, you will receive the maturity benefit, which includes the sum assured on maturity along with bonuses, if any.
- Income Benefit: The policy offers an annual income benefit to your family in case of your unfortunate demise, ensuring a regular stream of income for their financial needs.
- Participating Policy: The policy participates in the profits of LIC through the distribution of bonuses, providing an opportunity for additional returns.
Eligibility:
- Entry Age: The minimum entry age for the policyholder is 18 years, and the maximum entry age varies depending on the chosen policy term.
- Maximum Maturity Age: The maximum age at maturity for the policyholder is generally 65 years, depending on the chosen policy term.
- Sum Assured: The minimum sum assured is Rs. 1 lakh, and there is no maximum limit.
- Premium Payment Frequency: Premiums can be paid yearly, half-yearly, quarterly, or monthly, as per your convenience.
It’s important to note that the above details are based on information available up until September 2021. For precise and up-to-date information regarding features, benefits, and eligibility criteria of the LIC Jeevan Lakshya policy, it is recommended to consult with a LIC representative or visit the official LIC website.
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