Jeevan Labh – LIC OF INDIA

About Plan

LIC’s  Jeevan Labh is a limited premium paying plan which is sharing profits of Endowment assurance plans. This is non-linked plan. In this plan premium paying term is less than policy term 

Policy Criteria

  • Policy Term : 16 Years, 21 Years &  25 Years
  • Premium Payment Term (PPT) :
    • For 16 Years Policy Term Premium Payment Term 10 Years
    • For 21 Years Premium Payment Term 15 Years
    • For 25 Years Premium Payment Term 16 Years 
  • Age Criteria :
    • Minimum Entry 8 Years completed 
    • Maximum Entry Age 59 Years 
    • Maximum Maturity Age 75 Years 
  • Sum Assured Limits :
    • Minimum sum assured 2,00,000
    • No upper limit
  • Maturity Benefits :
    • Sum Assured + Bonus + Final Additional Bonus (if any)
  • Accident Rider :  Allowed Up to Sum Assured or max. up to 1 crore
  • Disability Rider : Allowed up to Accident sum assured 
  • Term Rider : Allowed up to Sum Assured or max up to 25 lacs 
  • Loan : Available after completion of 3 years
  • Surrender : Allowed after completion of 3 years
  • On Death : 
    • Natural Death : Basic sum assured or...10 times of annualized premium or... 105% of all premium paid WHICH EVER IS HIGHER
    • Accident Death : Accident sum assured with natural death benefits
  • Rebate :
    • Mode Rebate : 2% on Yearly mode, 1% on Half Yearly mode & NIL for quarterly and monthly mode
    • Sum Assured Rebate
      • 0% up to 4,90,000
      • 1.25% for 5,00,000 to 9,90,000
      • 1.50% for 10,00,000 to 14,90,000
      • 1.75% for 15,00,000 and above

Important Points / Features

  •  LIC's is the best - with the best claim settlement ratio
  • High Life Cover - Low Premium
  • Premium Holiday for 6 to 9 years
  • Total Premium payment less than sum assured (20% appx)
  • High investment = High returns (Rebate on higher sum assured)
  • Free from premium Liability before retirement
  • Double Sum Assured in case of Accident death
  • Disability Benefits
  • Term Rider available for more life cover 
  • Loan available after 3 years
  • Surrender allowed after 3 years
  • Dual Tax benefits : (a) on Premium U/s.80C  (b) On Maturity :  U/s. 10(10D) 
  • Multipurpose Investment Tools :
    • Child Education /Marriage Planning
    • Retirement Fund
    • Long term liability cover

Loop Falls

  • Not suitable for short term investments i.e. term 16/10 (Very less returns)
  • Surrender value is too low even after 7 years (term 21/15 or more...) 

SMS / Whatsapp Marketing Message

GET ₹.31 Lacs for Your child Education/ Marriage Right Know !!! By Just Investing ₹.230/- per day with 6 Amazing Benefits Call Now !!!
[ Example : Age 35 | Plan Term 836/21/15 SA : 1500000 ]
Invest ₹.530 per day and ₹. GET ₹.1 Crore TAX FREE RETIREMENT FUND with 9 Years Premium holiday’s and lots of benefits… CALL for more details !!!
[ Example : Age 35 | Plan Term 836/25/16 SA : 4000000 ]
LIC’s JEEVAN LABH with Six UNIQUE LABH Premium Free Labh || High Risk Labh || Dual Tax Labh || Easy Liquidity Labh || 100% Guaranteed Returns Labh AAJ BHI LABH KAL BHI LABH
Ask for Free Quote Cell : 999999999

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Whatsapp Your Details on 9076776000

Free Members - @499/-
Regular Members @99/-
Premium Members @49/-
Platinum Members - FREE

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