Digi Term
Plan No. 876 | UIN: 512N356V02
Sabse zyada life cover, sabse kam premium mein — 100% online, bina kisi kaagzi jhanjhat ke.
Digi Term ek pure term insurance plan hai — koi savings ya maturity benefit nahi, sirf khaalis life protection. Isi wajah se ye LIC ke sabse affordable plans mein se ek hai. Ye plan 100% online purchase kiya jaata hai LIC ki official website se, jisse process fast aur transparent rehta hai.
Ye un logon ke liye ideal hai jo high sum assured chahte hain kam se kam premium mein — bina savings ya investment ke, sirf pure protection ke liye.
Key Features
100% Online
Poora process — application se leke policy issue tak — sirf LIC ki official website se, bina kisi agent visit ke.
Women Ke Liye Special Rates
Female applicants ko lower premium rates milte hain — same cover, kam cost.
Instalment Mein Death Benefit
Nominee poora amount lump sum ki jagah 5, 10, ya 15 saal ke instalments mein bhi le sakta hai.
High Sum Assured Rebate
Jitna bada Sum Assured chunte hain, utna hi zyada premium par rebate (discount) milta hai.
Eligibility & Plan Parameters
| Minimum Entry Age | 18 Saal |
| Maximum Entry Age | 45 Saal |
| Policy Term | 15 se 40 Saal |
| Maximum Maturity Age | 75 Saal |
| Minimum Sum Assured | ₹50,00,000 |
| Standard Maximum Sum Assured | ₹5,00,00,000 (case-by-case higher bhi possible) |
| Premium Payment Options | Single / Regular / Limited (10 ya 15 saal) |
2 Death Benefit Options Mein Se Chunein
Level Sum Assured
Sum Assured poori policy term mein fixed rehta hai — chahe 2nd saal mein claim ho ya 29th saal mein, amount same rehta hai. Ye option cheapest premium deta hai.
Increasing Sum Assured
Pehle 5 saal fixed rehta hai, phir har saal 10% badhta hai jab tak 15th saal mein double na ho jaaye — inflation se cover ki value protect karne ke liye.
Benefits Ki Detail
Death Benefit
Agar policy active hote hue policyholder ka death ho jaata hai, to nominee ko milta hai — Regular/Limited premium ke liye, 7 guna annual premium, ya 105% total paid premiums, ya absolute Sum Assured mein se jo zyada ho. Single premium ke liye, 125% single premium, ya absolute Sum Assured mein se jo zyada ho.
Maturity Benefit
Koi maturity ya survival benefit nahi hai — ye ek pure risk (term) plan hai. Agar policyholder poori policy term tak survive karta hai, to koi payout nahi milta — isi wajah se premium itna kam hota hai.
Sahi Kiske Liye Hai?
Ye plan un logon ke liye best hai jo bade family ka financial protection chahte hain sabse kam possible cost mein — chahe wo home loan cover karna ho, ya sirf apni family ko secure rakhna ho, bina kisi savings component ke.
Available Rider (Optional)
- Accidental Death & Disability Benefit Rider
Note: Is plan mein koi loan, surrender, ya paid-up facility available nahi hai, kyunki ye pure risk plan hai.
Tax Benefits
- Premium par Section 80C ke tahat deduction
- Death benefit Section 10(10D) ke tahat generally tax-free
- High Sum Assured aur non-smoker par attractive rebate
Exact tax benefit aapke tax regime aur prevailing laws par nirbhar karta hai.
Digi Term Aapke Liye Sahi Hai?
Apna premium estimate calculate karein, ya seedha WhatsApp par humse detail mein baat karein — bina kisi obligation ke.