LIC New Jeevan Anand Policy: There is no trust in life, today is life and tomorrow it should not. In such a situation, thinking about the family becomes everyone’s big responsibility.
When the head of the family leaves, there is no financial crisis in front of the children, in such a situation, people take a life insurance policy. In the matter of insurance, people trust the most on Life Insurance Corporation ie LIC. Today we tell you about LIC’s New Jeevan Anand policy, so that you can make your family free from any trouble.
Very useful LIC New Jeevan Anand
This policy is a Whole Life Endowment plan, which gives protection as well as savings. You also get bonus under this plan. The most important thing about this policy is that even after maturity, the life of the depositor remains secure as his risk cover continues while he does not need to pay any premium after a certain period. The most important thing in this is that it gives free risk cover till the death of the policyholder.
Nominee gets 50 lakh rupees
Suppose you are 25 years old, you have bought a cover of 10 lakhs from this LIC policy for 25 years. The policy will mature when you attain the age of 50 years. After this you do not have to pay any premium, but the policy will continue as long as you are alive. That is, till then you will continue to get the cover of 10 lakhs. If the policyholder dies, then his nominee gets Rs 10 lakh. If the policyholder does not die during the policy term, he will automatically get Rs 10 lakh.
No maximum investment limit
Along with safety, you also get good returns in this. Under this scheme, it is necessary to take an assurance of one lakh rupees, while there is no maximum investment limit. You can take the amount assured as much as you want. The term of the New Jeevan Anand policy is 15 to 35 years. You can also buy this scheme online. You can choose to pay premium annually, half yearly or every month for this policy.
Bonus is available every year
Suppose a 25 year old person took a plan of Rs 5 lakh for 12 years. So he has to deposit the annual premium of Rs 27010 in 21 installments. In this case, his total investment will be Rs 5.67 lakh. Bonus will be available in this plan. At present, it is about Rs 48 per thousand, which is available every year. It changes from time to time and it varies in the range of 40 to 48 rupees.
If we assume the amount of Rs.48, then your total bonus of Rs.24 thousand per annum will be Rs.5,04,000 in 21 years. After the maturity of the scheme, it will also get a final additional bonus of Rs 20 per 1000 rupees. This sum assured will be about 10 thousand rupees on the amount of 5 lakhs.
No tax on the amount
If due to any reason the policyholder dies in the middle of the policy, then his nominee will be given the sum assured, which will be 125% of the sum insured. Along with this bonus and final bonus will also be available. Tax benefit is also available for premium payment under Section 80C of the Income Tax Act. There is no tax on the amount received at the time of maturity or death.
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