Jeevan Utsav
Plan No. 771 | UIN: 512N363V02
Sirf 5-16 saal premium bharein, aur 100 saal ki age tak har saal guaranteed income paayein — poori zindagi ka celebration.
Jeevan Utsav ek whole life plan hai jo guaranteed lifetime income deta hai — aur wo bhi market ke ups-downs se bilkul door, kyunki ye benefits fixed aur guaranteed hain, discretionary bonus par nirbhar nahi. Aap sirf 5 se 16 saal tak premium bharte hain, uske baad income shuru ho jaati hai aur 100 saal ki age tak chalti rehti hai.
Ye plan retirement planning ke liye khaaskar popular hai — ek baar premium payment khatam, phir poori zindagi ek "financial companion" ki tarah income deta rehta hai.
Key Features
100 Saal Tak Guaranteed Income
Premium term khatam hone ke baad, har saal fixed income milta hai, jab tak policyholder 100 saal ka na ho jaaye.
Guaranteed Additions
Premium paying term ke dauraan har saal ₹40 per ₹1,000 Sum Assured ka fixed addition hota hai — market se bilkul independent.
2 Income Options
Regular Income (fixed yearly payout) ya Flexi Income (accumulate karke baad mein flexibly nikaalein) — aap choose karein.
Bahut Kam Entry Age
Sirf 30 din ki age se le sakte hain — bachchon ke naam par bhi ye plan liya ja sakta hai.
Eligibility & Plan Parameters
| Minimum Entry Age | 30 Din |
| Maximum Entry Age | 65 Saal |
| Premium Paying Term | 5 se 16 Saal |
| Cover Type | Whole Life (100 Saal Ki Age Tak) |
| Minimum Sum Assured | ₹5,00,000 |
| Maximum Sum Assured | Koi upper limit nahi (underwriting subject) |
| Premium Payment Mode | Yearly / Half-Yearly / Quarterly / Monthly |
2 Income Options Mein Se Chunein
Regular Income Benefit
Chosen policy year se, har saal Basic Sum Assured ka 10% fixed guaranteed income milta hai — 100 saal ki age tak, ya death tak, jo bhi pehle ho.
Flexi Income Benefit
Income withdraw na karein to wo 5.5% per annum compound interest ke saath accumulate hoti rehti hai — jab zarurat ho tab flexibly nikaal sakte hain.
Benefits Ki Detail
Death Benefit
Agar policy active rehte hue policyholder ka death ho jaata hai, to nominee ko milta hai — Sum Assured on Death (Basic Sum Assured ya 7 guna annual premium, jo zyada ho) + accrued Guaranteed Additions. Ye amount kabhi bhi 105% total paid premiums se kam nahi hoga.
Maturity Benefit
Ye ek whole life plan hai, isliye traditional maturity benefit nahi hota — iski jagah aapko lifetime guaranteed income milti hai. 100 saal ki age poori hone par, Sum Assured + accrued Guaranteed Additions ek saath milte hain.
Sahi Kiske Liye Hai?
Ye plan un logon ke liye best hai jo retirement ke liye guaranteed, market-independent income chahte hain — jinhe uncertainty pasand nahi, aur fixed, predictable payout hi chahiye.
Available Riders (Optional)
- Accidental Death Benefit Rider (age 70 tak)
- Premium Waiver Rider
Ek saal ka poora premium bharne ke baad policy surrender ya loan bhi liya ja sakta hai.
Tax Benefits
- Premium par Section 80C ke tahat deduction
- Income/proceeds Section 10(10D) ke tahat generally tax-free
- High Sum Assured aur online purchase par rebate milta hai
Exact tax benefit aapke tax regime aur prevailing laws par nirbhar karta hai.
Jeevan Utsav Aapke Liye Sahi Hai?
Apna premium estimate calculate karein, ya seedha WhatsApp par humse detail mein baat karein — bina kisi obligation ke.