Jeevan Anand

LIC ka New Jeevan Anand Plan Indian insurance market ka ek bahut hi popular aur time-tested plan hai. Yeh ek ‘Double Benefit’ waala plan hai—yani ki yeh ek aisa product hai jo savings (bachat) aur lifelong protection (jeevan bhar ki suraksha) ka ek behtareen combination pesh karta hai. Yeh ek Participating (Labh mein Bhagidaar) Non-Linked (Share Market se Asambandhit) Endowment Plan hai.

Is plan ki sabse khaas baat ye hai ki policyholder ko Maturity (Paripakvata) par poora paisa milne ke baad bhi, Life Cover (Jeevan Bima Suraksha) poori zindagi (Whole Life) ke liye chalu rehta hai! Isliye ise double-security waala plan bhi kaha jaata hai.

Plan Ke Key Features (मुख्य विशेषताएँ)

1. Dual Benefit (Do-Tarafa Fayda):

• Endowment Feature: Policy term khatam hone par, agar policyholder zinda rehta hai, toh use Maturity Benefit milta hai.

• Whole Life Feature: Maturity ke baad bhi, basic Sum Assured ka Death Cover poori life (yaani 100 saal ki umar tak) chalu rehta hai.

2. Participation in Profits (Labh mein Bhagidaari):

• Kyunki yeh ek ‘Participating’ plan hai, isliye policyholder ko LIC ke profits (labh) mein hissa milta hai in the form of Bonuses (बोनस).

  • Simple Reversionary Bonus (SRB): Yeh har saal LIC ki performance ke hisaab se declare hota hai aur policy value mein add hota jaata hai. Yeh ek baar add hone ke baad guaranteed ho jaata hai.

  • Final Additional Bonus (FAB): Yeh ek baar ka bonus hai jo policy ke bahut lambe samay tak chalne par, maturity ya death ke time par diya jaata hai.

3. Premium Payment:

• Premiums policy term ke dauraan regularly pay karne hote hain, jab tak ki death na ho jaye.

• Payment frequency aap choose kar sakte hain: Yearly (saalana), Half-Yearly (chhe-maahi), Quarterly (teen-maahi), ya Monthly (maasik-ECS ke through).

Eligibility Criteria (पात्रता मापदंड)

Benefits (फायदे)

A. Maturity Benefit (परिपक्वता लाभ) – Jab Policy Term Poora Ho

Agar policyholder poore policy term tak zinda rehta hai aur saare premiums time par pay kiye hain, toh usko lump sum mein Maturity Benefit milta hai.

Maturity Benefit = Basic Sum Assured + Vested Simple Reversionary Bonuses (SRB) + Final Additional Bonus (FAB) (agar koi ho toh)

Sabse important point: Maturity par yeh poora amount milne ke baad bhi, policy khatam nahi hoti. Basic Sum Assured ka Life Cover poori zindagi ke liye bina kisi aur premium ke chalu rehta hai.

B. Death Benefit (मृत्यु लाभ)

LIC Jeevan Anand do alag-alag situations mein death benefit deta hai:

1. Death During Policy Term (Policy avadhi ke dauraan death):

Agar policy term khatam hone se pehle policyholder ki death ho jaati hai, toh nominee ko Death Benefit milta hai.

Death Benefit = “Sum Assured on Death” + Vested Simple Reversionary Bonuses (SRB) + Final Additional Bonus (FAB) (agar koi ho toh)

• Yahan “Sum Assured on Death” is defined as: Higher of (i) 125% of Basic Sum Assured OR (ii) 7 times of Annualized Premium.

• Lekin yeh Death Benefit hamesha Total Premiums Paid ka 105% se kam nahi hoga (Premiums mein Tax, Rider Premium aur Extra Premium shamil nahi hain).

2. Death After Policy Term (Policy avadhi ke baad death):

Jaisa ki upar bataya gaya hai, maturity ke baad bhi Life Cover chalta rehta hai. Agar policyholder ki death maturity ke baad hoti hai, toh nominee ko sirf Basic Sum Assured ka amount milta hai.

C. Optional Rider Benefits (अतिरिक्त राइडर लाभ)

Policyholder extra premium dekar kuch riders (additional covers) add kar sakte hain, jisse protection badh jaati hai. (Aap koi bhi 3 riders choose kar sakte hain, lekin Accident Benefit Rider aur Accidental Death & Disability Benefit Rider mein se koi ek hi choose kar sakte hain):

1. LIC’s Accidental Death and Disability Benefit Rider: Accident se death hone par extra Sum Assured milta hai. Disability hone par instalments mein benefit aur future premiums ka waiver (maafi) milta hai.

2. LIC’s Accident Benefit Rider: Accident se death hone par extra Sum Assured milta hai.

3. LIC’s New Term Assurance Rider: Policy term ke dauraan death hone par additional term life cover milta hai.

4. LIC’s New Critical Illness Benefit Rider: Specified critical illnesses (gambhir beemariyon) ka diagnosis hone par lump sum amount milta hai.

D. Loan Facility (ऋण सुविधा)

• Policy par loan lene ki suvidha available hai, lekin yeh tabhi milta hai jab policy ne kam se kam 2 saal ke premiums poore bhar diye hon.

• Yeh facility liquidity needs (emergency cash zarooraton) ko poora karne mein helpful ho sakti hai.

E. Settlement Option (किस्तों में भुगतान का विकल्प)

Policyholder ya Nominee ke paas yeh option hota hai ki woh Maturity Benefit ya Death Benefit ka poora amount ek saath lump sum mein na lekar, installments (kiston) mein le sakta hai.

• Yeh payments 5, 10, ya 15 saal ke term ke liye ho sakte hain.

• Yeh option unke liye best hai jo mile hue bade amount ko long-term financial planning ke liye use karna chahte hain.

Other Important Points (अन्य ज़रूरी बातें)

• Premium Rebate: Saalana (Yearly) aur Half-Yearly premium payment modes par thoda discount (rebate) milta hai.

• Surrender Value (समर्पण मूल्य): Policy ko 2 saal ke premiums bharne ke baad surrender kiya jaa sakta hai. Surrender karne par Guaranteed Surrender Value (GSV) ya Special Surrender Value (SSV), jo zyada ho, milta hai.

• Grace Period: Premium ki due date nikal jaane ke baad bhi, policyholder ko premium bharne ke liye extra time milta hai: Monthly mode ke liye 15 din aur baki modes ke liye 30 din.

• Tax Benefits: Premium payments par Income Tax Act ke Section 80C ke तहत aur Maturity/Death Benefit par Section 10(10D) ke तहत tax benefits mil sakte hain (jo prevailing tax laws par depend karta hai).

Conclusion

LIC New Jeevan Anand Plan ek aisa all-in-one plan hai jo aapko savings aur insurance protection dono deta hai. Yeh middle-class families aur young professionals mein isliye zyada popular hai kyunki:

1. Investment return bonus ke roop mein milta hai.

2. Maturity par lump sum amount milne ke baad bhi, family ke liye lifelong financial security (Basic Sum Assured) bani rehti hai.

Yeh plan un logon ke liye ek strong recommendation hai jo ek hi policy mein apne long-term financial goals aur poori zindagi ki suraksha dono chahte hain. Iski simplicity aur LIC ki trustworthiness is plan ko ek reliable choice banati hai.

(Note: Plan lene se pehle LIC ke official sales brochure ko achhe se padhna aur ek certified insurance advisor se salah lena hamesha zaroori hai, kyunki details samay ke saath change ho sakte hain.)