Journey Of Andhra And Telangana 

   

September 17, 1948:

The region, nowbeing called Telangana, was part of the erstwhile Hyderabad statewhich was merged into the Indian Union on September 17, 1948.

LIC Policies Guaranteed by Indian Central Government,,

LIC Policies Guaranteed by Indian Central Government.

LIC'S Jeevan LAKSHYA T-833.

    LIC'S Jeevan LAKSHYA  T-833.      

Today LIC Jeevan Lakshya Policy, plan no 833,  is introduced as a With-Profits Endowment Assurance plan. Lic Jeevan Lakshya plan is a limited premium paying conventional plan. Jeevan Lakshya benefit to fulfill the needs of the family. It is mainly beneficial for children, in case of unfortunate death of policyholder during the policy term i.e., any time before maturity. Jeevan Lakshya Lic new plan also provides a lump sum amount at the time of maturity regardless of survival of the policyholder.

Key Features and Parameters:- 

Minimum Age at Entry: 18 years

Maximum Age at Entry: 50 years

Maximum Maturity Age: 65 years

Minimum Term: 13 years

Maximum Term: 25 years

Premium Term:   (Policy term – 3) years

Minimum  Policy Value: 1 Lakh

Maximum Policy Value: No limit

Basic SA shall be in multiples of Rs. 10,000/- only.

Jeevan Lakshya Lic Plan Maturity Benefit:-

On survival of the policyholder till the end of the policy term provided all due premiums have been paid, Maturity Benefit = “Sum Assured on Maturity” + vested Simple Reversionary bonuses + Final Additional bonus, if any. Where ‘Sum Assured on Maturity’ is equal to Basic Sum Assured (SA).

Lic Jeevan Lakshya plan Death Benefit:-

On death of the policyholder during the policy term, Death Benefit = “Sum Assured on Death” + vested Simple Reversionary Bonuses + Final Additional Bonus (FAB), if any.

Where ‘Sum Assured on Death’ = Annual Income Benefit * + **Assured Absolute Amount

*Annual Income Benefit = 10% of the Basic SA, which shall be payable from the policy anniversary coinciding with or following the date of death of Life Assured, till the policy anniversary prior to the maturity date.

**Assured Absolute Amount = 110% of Basic SA, which shall be payable on due date of maturity.

The vested Simple Reversionary Bonuses and FAB, if any, included in the Death Benefit, shall be payable on due date of maturity.

The Death Benefit shall not be less than 105% of all the premiums paid as on date of death.

Lic Jeevan Lakshya 833 Riders (Optional Benefits):-

Lic Jeevan Lakshya 833 Policy provides optional riders with the payment of additional premium. There are 2 optional riders available under Lic Jeevan Lakshya Policy, they are

1. Accidental Death and Disability Benefit Rider.

2. New Term Assurance Rider.

Loan:-

Loan Facility is available under Lic Jeevan Lakshya policy after payment of premiums for at least 3 full years.

Assignments and Nominations :-

Assignments and Nominations is possible under this Lic Jeevan Lakshya Policy plan no 833.

Documents requirements:-

1.Proposal form 300 along with photo.

2.Address proof

3.Age proof

4.Medical reports (if required)  

LIC'S Children's Money Back Plan T-832

                  LIC'S Children's 

           Money Back Plan    T-832.       


 LIC New Children’s Money Back Plan (Plan / Table no 832) is a new Money back plan from Life Insurance Corporation of India (LIC). Today LIC has launched this plan . This new money-back plan is a non-linked, with profits and regular premium payment policy. It is a savings cum protection plan.

 Features of Plan :-

• Minimum & Maximum Entry Age : 0 to 12 years (Child age)
• Life Assured / Insured : Your Child's life is insured under this plan *
• Proposer’s Minimum / Maximum Age : 18 years / 55 years (Proposer can be Child’s parent / guardian)
• Policy Term : Maximum upto 25 years of Child’s age. (If Child’s age is 10 years, policy tenure is 15 years)
• Premium Paying Term (PPT) : Maximum upto 25 years.minus Child Age (If Child’s age is 10 years, PPT is 15 years)
• Minimum Sum Assured : Rs 1 Lakh
• Maximum Sum Assured : No limit
• Premium Waiver Benefit Rider (optional) : Available. (LIC’s Premium Waiver Benefit Rider is available as an optional rider on the life of proposer aged between ages 18 to 55 years by payment of additional premium. In case of death of the proposer, the premiums under the basic plan falling due after the date of death shall be waived.)
  

  Death Benefit :-

In that there are three types of risk one is death before the date of commencement of risk and death after commencement.

On death Before the Date of Commencement of Risk:

• An amount equal to the total amount of premium/s paid excluding taxes, extra premium and rider premium, if any shall be payable.

On death After the Date of Commencement of Risk:

• The actual risk cover only after completing age of 8 years or after two years from the date of commencement of Policy whichever is later.
  

On death Of Proposer :

Death of the proposer occurs after the commencement of risk, death benefit amount which includes ‘Sum Assured on death ' will be paid If you are Opted PWB Rider.

Survival Benefit And Maturity Benefits (Money Back Schedules)

• • 20% of Sum Assured is paid when child completes 18 years.
  • 20% of Sum Assured is paid when child completes 20 years.
  • 20% of Sum Assured is paid when child completes 22 years.
  • After the policy maturity End of 25^th Year , maturity amount which includes 40% of sum assured + Accrued Bonuses (vested Simple Reversionary Bonuses) + Final Additional Bonus (FAB – if any) will be paid.
    

Documents Required:-

     1. Proposal Form No 300 and 340 and 360.
     2. Passport size Photograph(Proposer)
     3. 2 Passport size Photograph(Child) if required
     4. Your ID Proof
     5. School ID Card(Child) if age >
     6. Your Age Proof
     7. Age Proof(Child) if required
     8. Address Proof.

LIC'S Jeevan Sangam T-831

             LIC'SJeevan Sangam T-831

Today LIC has launched , Non -linked, With-Profits & ; Single premium  closed ended plan.

This plan is available for 90 days Only i.e; between 4th March,2015 to 04-06-2015 90 days only.

Highlights:-

Guaranteed Return (MSA) + Loyalty addition on maturity

Any time surrender option & higher surrender value

Premium paid is eligible for rebate under 80(C)

High levels of death cover during the policy term.

Option to choose Maturity Sum Assured.

Premium will depend on Maturity Sum Assured & Age of Life Assured..

Minimum age at entry > 6 years completed.

Maximum age at entry > 50 years (age near birthday)

Plan Term : 12 Years.

Premium Mode : Single Premium.

Minimum Maturity Sum Assure : 75000 and above (In multiples of 10000).

Maximum Maturity Sum Assure : No Limit.

LIC's Jeevan Sangam's Loan:-

Loan Facility available after 3 months of the policy issuance.

LIC's Jeevan Sangam's maturity benefits:-

On the Life Assured surviving to the end of the policy term, the Maturity Sum Assured along with Loyalty Addition, if any, shall be payable.

LIC's Jeevan Sangam's death benefits :-

On death during first five policy years:

Before the date of commencement of risk:

Refund of single premium excluding service tax and extra premium, if any, without interest.

After the date of commencement of risk:

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

On death after completion of five policy years but before the stipulated Date of Maturity:

Basic Sum assured i.e. 10 times the tabular single premium along with Loyalty addition, if any, shall be payable The Tabular single premium mentioned above does not include any extra premium or taxes and is before applying any rebate.

LIC's New Jeevan Sangam's - Surrender Value:-

The policy can be surrendered at any time during the policy term . Guaranteed Surrender Value:

The Guaranteed Surrender Value shall be as under:-

» First year: 70% of the Single premium paid excluding extra premium and taxes, if any.

»Thereafter: 90% of the Single premium paid excluding extra premiums paid and taxes, if any.

Special Surrender Value: SSV is payable if it is higher than GSV .

Documents Required:-

1.Proposal Form No 300 and 340.

2 1.Passport size Photograph (Proposor) * latest

3.Your ID Proof (Passport, Driving Liciences, PAN, Voter ID)

4. Your Age Proof (Passport, School Certificate, Driving Liciences, PAN, Voter ID)

5.Address Proof (Passport,Driving Liciences, PAN, Voter ID Adhara Card)

6. Medical Reqiurment If any,

LIC Betters private inurers in claims settlement

 

LIC'S LIMITED PREMIUM ENDOWMENT PLAN T-830

LIC'S  LIMITED PREMIUM   ENDOWMENT PLAN T-830

Today LIC has launched new plan is LIMITED PREMIUM ENDOWMENT PALN, the payment of premiums is limited to a term shorter than the policy. The maturity amount is payable at the end of the policy term, or on the death of the policy holder whichever is earlier.

Type of plan : - Endowment plan with limited premium paying term.

• Minimum Entry Age : 18 years
• Maximum Entry Age : 62 years
• Maturity Age : 75 years ( Maturity age is, the date at which the face amount of a life insurance policy becomes payable by either death or other policy terms and conditions).
• Policy duration : Under this plan three types of durations are available – 12/16/21 years
• Premium Paying Term : 8 years (or) 9 years
• Minimum Sum Assured : Rs 3 Lakh
• Maximum Sum Assured : No limit.

LIC Plan 830 – Maximum Age at entry Vs PPT :-

Loan :- This Facility also available..

Optional Benefit :-

The Life Assured could opt for the subsequent Rider benefit(s):

1. LIC's Accidental Death and Disability Benefit Rider ( UIN: 512B209V01).

2. LIC's New Term Assurance Rider (UIN: 512B210V01 ).

Death Benefit :-
On death of policy holder during the policy period, his or her nominee will receive Sum Assured on Death+Accumulated Bonus and Final Additional Bonus if declared by LIC.

Sum Assured on Death will be higher of the below

(i) 10 times of annualized premium paid. (Or)

(ii) Absolute amount to be payable i.e 125% of Basic Sum Assured.

   This death benefit shall not be less than 105% of all the premiums paid as on date of death.

Maturity Benefit:-  If policy holder survives till the end of policy term then he/she will receive Sum Assured on Maturity+Bonus+Final Additional Bonus (if declared by LIC). Here Sum Assured on Maturity is equal to Basic Sum Assured.

Income tax Benefit :- Premiums paid under Life insurance policy are exempted from tax under Section 80 C Available limit Rs.1,50,000/-.

Documents Required:-

1.Proposal Form No 300 and 340.

2 1.Passport size Photograph (Proposer) * latest

3.Your ID Proof (Passport, Driving Licences, PAN, Voter ID)

4. Your Age Proof (Passport, School Certificate, Driving Licences, PAN, Voter ID)

5.Address Proof (Passport,Driving Licences, PAN, Voter ID Adhara Card)

6. Medical Requirement If any,

Happy Navaratri

                                                   

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Top 30 Earning Websites PER SECOND

                        Top 30 Earning Websites PER SECOND

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