New Jeevan Anand
Plan No. 715 | UIN: 512N279V03
"Zindagi Ke Saath Bhi, Zindagi Ke Baad Bhi" — Zindagi bhar ka life cover, saath mein guaranteed maturity bhi.
New Jeevan Anand endowment aur whole life plan ka ek unique combination hai. Ye policy term ke end mein guaranteed maturity amount deta hai, aur maturity ke baad bhi life cover jaari rehta hai — bina kisi aage premium ke, poori zindagi ke liye. Isi wajah se ye plan "double benefit" ke naam se jaana jaata hai.
Ye un logon ke liye ideal hai jo savings aur lifelong protection, dono ek saath chahte hain — chahe wo bachchon ki padhai ho, retirement ho, ya sirf apne family ko hamesha ke liye secure rakhna ho.
Key Features
Whole Life Cover
Maturity ke baad bhi, bina premium ke, life cover 100 saal ki age tak jaari rehta hai.
Guaranteed Maturity
Policy term poora hone par Sum Assured + bonus ek saath lump sum milta hai.
Profit Participation
LIC ke profits ke hisaab se Simple Reversionary Bonus aur Final Additional Bonus milta hai.
Loan Facility
Policy par loan liya ja sakta hai — surrender value ke ek hisse tak, liquidity zarurat ke liye.
Eligibility & Plan Parameters
| Minimum Entry Age | 18 Saal |
| Maximum Entry Age | 50 Saal |
| Policy Term | 15 se 35 Saal |
| Maximum Maturity Age | 75 Saal |
| Minimum Sum Assured | ₹2,00,000 |
| Maximum Sum Assured | Koi upper limit nahi (underwriting subject) |
| Premium Payment Mode | Yearly / Half-Yearly / Quarterly / Monthly |
Benefits Ki Detail
Maturity Benefit
Agar policyholder policy term tak survive karta hai, to Basic Sum Assured + vested Simple Reversionary Bonus + Final Additional Bonus (agar declare ho), ek saath lump sum mein milta hai.
Death Benefit (Policy Term Ke Andar)
Agar policy term ke andar policyholder ka death ho jaata hai, to nominee ko milta hai — 125% Basic Sum Assured ya 7 guna annual premium, in dono mein se jo zyada ho, plus bonuses. Ye amount kabhi bhi 105% total paid premiums se kam nahi hoga.
Death Benefit (Maturity Ke Baad)
Maturity payout milne ke baad bhi, agar policyholder ka baad mein death ho, to nominee ko Basic Sum Assured milta hai (bonus is stage par shamil nahi hota, kyunki wo maturity par pehle hi de diya gaya tha) — ye life cover 100 saal ki age tak chalta hai.
Available Riders (Optional)
- LIC's Accidental Death & Disability Benefit Rider
- LIC's Accident Benefit Rider
- LIC's New Term Assurance Rider
Do riders tak add kiye ja sakte hain, lekin dono accident riders mein se sirf ek hi allowed hai.
Tax Benefits
- Premium par Section 80C ke tahat deduction
- Maturity/death proceeds Section 10(10D) ke tahat generally tax-free
- LIC Act Section 37 ke tahat sovereign guarantee
Exact tax benefit aapke tax regime aur prevailing laws par nirbhar karta hai.
Jeevan Anand Aapke Liye Sahi Hai?
Apna premium estimate calculate karein, ya seedha WhatsApp par humse detail mein baat karein — bina kisi obligation ke.