Jeevan Lakshya
Plan No. 733 | UIN: 512N297V03
Aapke bachchon ke education aur marriage goals ke liye — agar aap na rahein, to bhi unka future rukna nahi chahiye.
Jeevan Lakshya ek goal-based savings plan hai, jo khaaskar bachchon ki education aur marriage jaisi zarurton ke liye banaya gaya hai. Iski sabse khaas baat ye hai — agar policyholder ka policy term ke andar death ho jaaye, to family ko sirf ek final payout nahi, balki har saal ek income bhi milti hai, jab tak maturity na ho.
Isse ye ensure hota hai ki agar ghar ka mukhiya na rahe, to bhi bachchon ki padhai ya shaadi ke liye saal-dar-saal financial support milta rahe, aur end mein ek bada maturity amount bhi mile.
Key Features
Annual Income On Death
Death hone par family ko har saal Basic Sum Assured ka 10% milta hai, maturity date tak.
Premium Waiver
Death ke baad baaki bachi premiums maaf ho jaati hain — LIC khud bharta hai, taaki policy chalti rahe.
Guaranteed Maturity
Survive karne par bhi, term ke end mein 110% Basic Sum Assured + bonuses ek saath milta hai.
Kam Premium Paying Years
Premium sirf policy term se 3 saal kam bharna padta hai, cover poori term tak rehta hai.
Eligibility & Plan Parameters
| Minimum Entry Age | 18 Saal |
| Maximum Entry Age | 50 Saal |
| Policy Term | 13 se 25 Saal |
| Premium Paying Term | Policy Term se 3 Saal Kam |
| Maximum Maturity Age | 65 Saal |
| Minimum Sum Assured | ₹2,00,000 |
| Premium Payment Mode | Yearly / Half-Yearly / Quarterly / Monthly |
Benefits Ki Detail
Death Benefit
Agar policyholder ka policy term ke andar death ho jaata hai, to nominee ko milta hai — Sum Assured on Death (lump sum, agle policy anniversary tak), plus har saal Basic Sum Assured ka 10% "Annual Income Benefit" jo maturity tak chalta hai, aur future premiums maaf ho jaate hain.
Maturity Benefit
Agar policyholder policy term tak survive karta hai, to milta hai — 110% Basic Sum Assured + vested Simple Reversionary Bonus + Final Additional Bonus (agar declare ho), ek saath lump sum mein.
Sahi Kiske Liye Hai?
Ye plan un parents ke liye best hai jo apne bachchon ke education ya marriage ke liye ek disciplined fund banana chahte hain — saath mein ye bhi ensure karna chahte hain ki unke na hone par bhi wo goal financially secure rahe.
Available Riders (Optional)
- Accidental Death & Disability Benefit Rider
- Critical Illness Rider
- New Term Assurance Rider
Ek saal ka poora premium bharne ke baad policy par loan bhi liya ja sakta hai.
Tax Benefits
- Premium par Section 80C ke tahat deduction
- Maturity/death proceeds Section 10(10D) ke tahat generally tax-free
- High Sum Assured par premium rebate bhi milta hai
Exact tax benefit aapke tax regime aur prevailing laws par nirbhar karta hai.
Jeevan Lakshya Aapke Liye Sahi Hai?
Apna premium estimate calculate karein, ya seedha WhatsApp par humse detail mein baat karein — bina kisi obligation ke.