LIC INSURANCE PLANNING

Life Insurance Planning

Life insurance is a necessity in everyone’s life but it’s also true that this is the best way to protect your loved ones financially. To get a life insurance policy, one must compare life insurance policies online to get the best life insurance plan. We provide quotes from leading life insurance companies in India which is very helpful to choose the life insurance policy that suits you.

Retirement Plans

In a country like ours where the awareness about insurance is not encouraging and where there are a lot of insurance companies with innumerable policies, it is essential for a dedicated portal like ours. Although the life insurance penetration is still low, more and more people get awareness about the insurance schemes. The life insurance is actually picking up in India. People are interested to know specific schemes like whole life insurance and Retirement Plans.

ULIP's Investment Plans

ULIPs are life insurance investment plans. ULIP also invest your money and you can get excellent returns. You can also tax benefits under Section 80C and 10(10D) of the Income Tax Act, 1961. As per current tax laws*, the premium paid is deductible from taxable income for maximum amount of Rs 100,000.

Pension Planning Scheame

Pension planning is important for everyone today to protect future financially and maintain the same living standard without depending on others. Many pension schemes are available in the market and before investing one must calculate the premium through pension calculator available with us. We help you to select the best pension plan as we have tie up with major insurance companies. Old age pension should be compared before you buy, so we are here to provide assistance to Senior Citizen pension.

Investment Planning

Best Investment plan can be bought only when you compare investment plans from different insurance companies in India. We provide you a platform where you can choose the investment plan that suits you most.
One can avoid unnecessary expenses but not the essential expense. If some misfortunate events happen to the earning member of the family, the family would still need to do the expenses. The expenses anyway are not going to stop suddenly. Life insurance companies play a crucial role in such situations. In fact, we can consider that life insurance policy does the magic of running the family expense even though the earning member is no more. Compared to the large number of life insurance companies in our country, the penetration of insurance schemes seem to very low.

Life Insurance Plans

There is a suitable type of life insurance policy like Child Life Insurance, Money Back Plan, Investment Plan, Retirement Plans and Pension Plan are some of the commonly sought after types of life insurance plans. All the leading insurers have almost all types of life insurance plans.

Additional bonus may be provided depending on policy’s minimum period. 

LIC Policy Plans

Life Insurance Corporation of India (LIC)

Life Insurance Corporation of India (LIC) was founded in the year 1956 with a clear vision of the robust customer service and financial cover against the risk of uncertain monetary setbacks. The Company is regarded as one of the leading insurance, Investment and pension Companies of India. This Mumbai-based company was started due to the merging of at least 243 insurance companies and provident societies.
As such there are number of plans and schemes offered by several companies but LIC non term plan is above all. Non term plans offered by the LIC includes retirement and investment plans. Jeevan Anand, Jeevan Saral, Jeevan Nidhi, Jeevan Akshay – VI, New Jeevan Dhara, New Jeevan Suraksha – I, Endowment Plus, Bima Nivesh 2005, Jeevan Madhur, Jeevan Mangal are some of the plans that provide the customers with different sets of pension options to make them feel independent when they are not in a condition to earn for themselves.

LIC Jeevan Anand: Combination of Endowment Assurance and Whole Life plans
LIC Jeevan Anand provides financial security against death throughout the lifetime as well as assures you with the condition of payment of a lump sum at the end of the selected term in case the policyholder survives. Premium can be paid monthly, quarterly, half-yearly or yearly  as being opted by the policyholder at the time of policy taken.  

LIC Jeevan Saral: Endowment Assurance plan (Pension Plan)
This plan helps with financial security against death during the term plan. Death benefit is directly associated to the premium paid. Maturity sum assured depends on entry level age. This is payable if you survive till the end of the policy term. This plan offers flexibility of term and liquidity. Premiums are paid quarterly, half-yearly, monthly or yearly as being opted by you. This plan also provides you additional loyalty may be from the 10th year that too depends on experience of corporation.

Jeevan Nidhi
This is a pension plan that gives the customers an assured amount as pension if the policy holder survives after the term of the policy. The insurance policy gives guaranteed additions, bonuses, benefits on vesting and annuity options.

Jeevan Akshay – VI
This is an immediate annuity plan that allows different modes of payment for the stated amount till the entire life time of the annuitant. It can also be purchased through a lump-sum amount.

New Jeevan Dhara
It is a deferred annuity plan which allows the policyholder to pay the premiums either yearly or half-yearly or quarterly or monthly or by regular deductions from salary throughout the period of policy.

New Jeevan Suraksha – I
New Jeevan Suraksha-I is a unique plan that gives the policyholder pension right from a chosen retirement date. Premiums can be paid either quarterly, half-yearly, yearly, monthly or through Salary deduction. One time lump-sum amount is also a medium of premium payment.

Additional bonus may be provided depending on policy’s minimum period. 

LIC JEEVAN SARAL PLAN

LIC JEEVAN SARAL PLAN

Hi Dear,

We would like to introduce you to LIC’s money multiplier scheme – Jeevan Saral. This “Golden Peacock Award Winner” plan provides good yield to your investment along with High Risk Cover as well.

Insurance Company	LIC OF INDIA
Plan	Jeevan Saral – Table 165
Objective	For Daughter's Marriage, Children Education, Retirement & Emergency requirement
Risk Category	No Risk - Invested only in Government Bonds
Paying Term	15yrs
Maturity Term	15yrs or 20yrs (whatever decided)
	Case 1	Case 2	Case 3
Premium	Rs. 2000pm (24000 p.a.)	Rs. 3000pm (36,000p.a.)	Rs. 4000pm (48,000p.a.)
Life Cover	Rs. 5,00,000	Rs. 7,50,000	Rs. 10,00,000
Accident cover	Rs. 10,00,000	Rs. 15,00,000	Rs. 20,00,000
Total investment in 15yrs	Rs. 3,60,000	Rs. 5,40,000	Rs. 7,20,000
Fund Value on 15th year	Rs. 8,88,794	Rs. 13,33,190	Rs. 17,77,587
Total Investment in 20 yrs	Rs. 4,80,000	Rs. 7,20,000	Rs. 9,60,000
Fund Value on 20th year	Rs. 16,02,960	Rs. 24,04,440	Rs. 32,05,920

Salient Features:

1. Partial Withdraw allowed after 03 years+

2. No Surrender charges after 10 years

3. Returns are Tax Free u/s 10 (10) D. Tax Benefit on Premium paid u/s 80 C

4. Critical illness benefit also provided equivalent to the policy Sum Assured

5. Plan can be converted into pension plan and returns can be taken monthly

6. Money is invested in Government Bonds-Safe and risk free returns

Documents required:

1. Photograph

2. Date of Birth Proof

3. Address Proof

4. Identity Proof

05. Cheque in favour of "LIC of India"

 Regards,

Appar Agarwal

LIC Of India        

9910485949

LOOKING FOR NEW LIC POLICY CALL 9910485949

Hi All,

                 IF ANY ONE IS LOOKING FOR NEW LIC POLICY, JUST GIVE A CALL ON 9910485949.

YOU CAN ALSO DROP AN EMAIL TO licagent49@gmail.com.

KEY Features To Buy An LIC Policy

•  TAX Saving upto Rs. 1Lakh
•  Income Earned from the LIC investment is taxfree.
• Future Secure
• Risk Free life
• Many More......

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