Nivesh Plus
ज़रूर, main aapko LIC ke “Nivesh Plus Plan” (Plan No. 849 / UIN: 512L317V01) ka ek detail description lagbhag 1000 shabdon mein Hinglish mein deta hoon.
LIC’s Nivesh Plus Plan (निवेश प्लस): Ek Single Premium ULIP ki Shuruat
LIC’s Nivesh Plus (Plan No. 849) Life Insurance Corporation of India (LIC) ka ek unique aur popular plan hai. Yeh ek Single Premium, Unit Linked, Non-Participating, Individual Life Insurance Plan hai.
“Single Premium” ka matlab hai ki aapko poore policy term ke liye premium sirf ek baar (policy shuru hone par) hi dena hota hai. Yeh plan un logon ke liye perfect hai jinke paas ek lump sum amount hai aur woh usse market-linked returns ke saath-saath life cover bhi chahte hain, bina baar-baar premium bharne ki jhanjhat ke.
Plan Ke Key Features (मुख्य विशेषताएँ)
1. Single Premium Payment:
Is plan ka sabse bada feature yahi hai ki premium sirf ek baar, policy lene ke time hi bhara jaata hai. Isse baar-baar premium due dates yaad rakhne ki zarurat nahi padti.
2. ULIP Nature (Market-Linked):
Nivesh Plus ek ULIP (Unit Linked Insurance Plan) hai. Iska matlab hai ki aapke premium ka ek bada hissa (charges cut hone ke baad) stock aur debt market mein invest kiya jaata hai. Isliye, is plan ke returns market performance par depend karte hain aur guaranteed nahi hote.
3. Two Options for Sum Assured:
Policyholder apne Single Premium ke hisaab se Sum Assured (Life Cover) choose kar sakta hai, jismein se koi ek option lena hota hai:
Option 1: Basic Sum Assured: Single Premium ka 1.25 times (125%)
Option 2: Basic Sum Assured: Single Premium ka 10 times (1000%)
(Note: Sum Assured ki choice entry age aur premium amount par depend karti hai.)
4. Fund Choices (फंड चुनने की आजादी):
Policyholder apni risk tolerance ke anusaar investment ke liye 4 tarah ke funds mein se kisi ek ko choose kar sakta hai:
Bond Fund: Low Risk. Debt instruments mein invest karta hai.
Secured Fund: Low to Medium Risk. Thoda equity aur zyada debt.
Balanced Fund: Medium Risk. Equity aur Debt ka balanced mix.
Growth Fund: High Risk. Mainly equity mein high returns ke liye invest karta hai.
5. Switching Facility (फंड बदलने की सुविधा):
Policyholder ko ek fund se doosre fund mein units switch karne ki flexibility milti hai.
Har policy year mein 4 free switches ki suvidha milti hai. Iske baad har switch par nominal charge (₹100) lagta hai.
Eligibility Criteria (पात्रता मापदंड)
| Parameter | Minimum | Maximum |
| Entry Age | 90 Din (Completed) | 70 Saal (Nearest Birthday) |
| Maturity Age | 18 Saal (Completed) | 85 Saal (Nearest Birthday) |
| Policy Term (PT) | 10 Saal | 25 Saal |
| Single Premium (SP) | ₹1,00,000/- | No Limit |
Benefits (फायदे)
A. Maturity Benefit (परिपक्वता लाभ)
Agar Life Assured poore policy term tak zinda rehta hai, toh term khatam hone par Fund Value milta hai:
Maturity Benefit = Policyholder’s Unit Fund Value
Yeh Fund Value poori tarah se tax-free hota hai (Section 10(10D) ke under, rules ke anusaar).
B. Death Benefit (मृत्यु लाभ)
Agar Life Assured ki death policy term ke dauraan ho jaati hai, toh Nominee ko highest of the following milta hai:
Basic Sum Assured (APW cut hone ke baad) OR
Unit Fund Value OR
Single Premium ka 105%
Yahan APW (Applicable Partial Withdrawal) ka matlab hai, death se pehle ke do saalon mein kiye gaye partial withdrawals (agar koi ho) ko Basic Sum Assured se ghata diya jaata hai.
C. Guaranteed Additions (गारंटीड अतिरिक्त राशि)
Is plan ka ek bada plus point Guaranteed Additions hain. LIC policyholder ke Unit Fund mein regular intervals par (jaise har 5 saal par) extra units add karti hai.
Rate of Guaranteed Additions: Yeh single premium amount aur policy term par depend karta hai. Lambe term ke liye aur zyada premium ke liye additions ka percentage zyada hota hai.
Yeh Additions loyalty aur long-term investment ko encourage karte hain.
D. Liquidity / Partial Withdrawal (आंशिक निकासी)
Single Premium plan hone ke bawajood, ismein liquidity ka option milta hai.
5 policy years complete hone ke baad partial withdrawal allowed hai.
Withdrawal ki conditions: Life Assured ki age 18 saal honi chahiye, aur withdrawal ke baad minimum fund balance maintain karna zaruri hai.
Charges (शुल्क)
ULIP hone ke naate, ismein bhi kuch charges lagte hain jo Unit Fund Value se cut hote hain:
Premium Allocation Charge: Single Premium se cutting (yeh charge sirf ek baar lagta hai).
Mortality Charge: Life cover (insurance) ke liye har mahine Unit Fund Value se cut hota hai.
Policy Administration Charge: Har mahine lagne wala charge.
Fund Management Charge (FMC): Funds ko manage karne ke liye daily NAV mein se kata jaata hai (Growth Fund ka FMC sabse zyada hota hai).
Switching Charge: 4 free switches ke baad ₹100 per switch.
Other Key Aspects
Lock-in Period: Is plan mein bhi 5 saal ka mandatory Lock-in Period hota hai. 5 saal se pehle policy surrender nahi ki ja sakti.
Surrender Value: 5 saal ke lock-in period ke baad surrender karne par, us din ki Unit Fund Value mil jaati hai.
Rider Benefit: Is plan mein sirf LIC’s Linked Accidental Death Benefit Rider lene ka option available hai, extra premium dekar.
Tax Benefits: Death aur Maturity par milne wala amount Section 10(10D) ke under tax-free hota hai.
Nivesh Plus Plan Kyun Choose Karein?
Nivesh Plus un investors ke liye ek accha option hai:
Jinke paas ek bada lump sum hai aur use invest karna chahte hain.
Jo single premium payment ki simplicity aur convenience chahte hain.
Jo long-term mein market-linked returns ke through wealth create karna chahte hain aur market risk lene ko taiyar hain.
Jo Guaranteed Additions ke through apne returns mein thodi stability chahte hain.
Conclusion:
LIC’s Nivesh Plus (Plan 849) ek aisa ULIP hai jo Single Premium ki power ko market-linked growth aur life cover ki security ke saath combine karta hai. Yeh un logon ke liye ek smart financial tool hai jo ek baar invest karke apne funds ko long-term mein grow hote hue dekhna chahte hain. Lekin, yaad rahe ki market risk ismein shamil hai.
(Disclaimer: Plan lene se pehle LIC ke official document ya authorized advisor se saari jaankari verify karein. Investment decisions hamesha apni risk profile aur financial goals ke anusaar hi len.)