Jeevan Labh

LIC ka Jeevan Labh Plan ek Non-Linked, Participating, Individual Life Assurance Savings Plan hai. Is plan ki popularity ka sabse bada reason hai iska Limited Premium Payment feature. Iska matlab hai ki aapko poore policy term tak premium nahi bharna padta, jiske chalte aapka financial burden (vittiya bojh) kam ho jaata hai, aur aapko savings aur protection ka double benefit milta rehta hai.

Yeh plan un logon ke liye ideal hai jo ek specific time period tak hi premium pay karna chahte hain, lekin ek lambe time period ke liye life cover aur achha return chahte hain, jaise ki retirement se pehle premium bhar kar retirement ke time par maturity benefit lena.

Plan Ke Key Features (मुख्य विशेषताएँ)

1. Limited Premium Payment Option (सीमित प्रीमियम भुगतान का विकल्प):

Jeevan Labh ki sabse khaas baat yahi hai. Aapke paas teen policy terms (अवधि) ke options hain, lekin aapko un policy terms se kam saalon ke liye hi premium pay karna padta hai:

Is flexibility se policyholder kam income years mein policy ka premium bhar sakte hain aur baad mein relax kar sakte hain.

2. Participation in Profits (Labh mein Bhagidaari):

Jeevan Labh ek Participating (Labh mein Bhagidaar) plan hai. Iska matlab hai ki policy LIC ke profits mein hissa leti hai aur policyholder ko do tarah ke bonuses (labh) milte hain:

• Simple Reversionary Bonus (SRB): Yeh bonus LIC ki har saal ki performance ke aadhar par ghoshit (declare) hota hai aur policy mein add hota jaata hai. Ek baar yeh add ho jaaye toh guaranteed ho jaata hai.

• Final Additional Bonus (FAB): Yeh ek one-time bonus hai jo tab milta hai jab policy ek minimum period tak chali ho aur policy maturity ya death ke time par hi diya jaata hai.

3. Life Protection (Jeevan Suraksha):

Yeh plan policy term ke dauraan policyholder ki family ko financial security provide karta hai.

Eligibility Criteria (पात्रता मापदंड)

Benefits (फायदे)

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

Agar policyholder (Life Assured) 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 (BSA) + Vested Simple Reversionary Bonuses (SRB) + Final Additional Bonus (FAB) (agar koi ho toh)

Yeh maturity amount policyholder ke bade financial goals, jaise ki retirement fund, bachchon ki education ya shaadi ke liye ek accha corpus (fund) provide karta hai.

B. Death Benefit (मृत्यु लाभ)

Agar policy term ke dauraan policyholder ki unfortunately death ho jaati hai (jabki policy chalu ho), 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) Basic Sum Assured (BSA) OR (ii) 7 times of Annualized Premium.

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

C. Optional Rider Benefits (अतिरिक्त राइडर लाभ)

Policyholder extra premium dekar kuch riders add karke apni protection ko aur mazboot bana sakte hain:

1. LIC’s Accidental Death and Disability Benefit Rider: Accident se death ya disability hone par extra cover milta hai.

2. LIC’s Accident Benefit Rider: Sirf accident se death hone par additional sum assured milta hai.

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

4. LIC’s New Critical Illness Benefit Rider: Specified critical illnesses hone par lump sum amount milta hai.

Other Important Aspects (अन्य ज़रूरी पहलू)

• Loan Facility (ऋण सुविधा): Policy ko kam se kam 2 saal tak chalane ke baad is par loan lene ki suvidha available hai. Yeh facility emergency mein financial support ke liye useful hai.

• Surrender Value (समर्पण मूल्य): Agar policyholder kisi reason se aage premium nahi bhar paata hai, toh woh policy ko 2 saal ke premiums bharne ke baad surrender kar sakta hai. Surrender karne par Guaranteed Surrender Value (GSV) ya Special Surrender Value (SSV), jo zyada ho, milta hai.

• Paid-up Value: Agar policyholder 2 saal ke baad premium bharna band kar deta hai, toh policy automatically ‘Paid-up’ ho jaati hai. Ismein life cover kam ho jaata hai, lekin maturity par reduced benefit zarur milta hai.

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

• Tax Benefits: Is plan mein bharre gaye premiums par Income Tax Act ke Section 80C ke under tax benefit milta hai, aur Maturity ya Death Benefit ka amount aam taur par Section 10(10D) ke under tax-free hota hai (subject to current tax laws).

Jeevan Labh Kyun Choose Karein? (Why Choose Jeevan Labh?)

• Assured Returns + Bonus: Yeh plan market-linked nahi hai, isliye returns share market ke risks se safe rehte hain. Saath hi, ismein bonus ke through achhe returns milte hain.

• Less Premium Paying Years: Limited Premium Payment Term (PPT) hone ke karan policyholder ko poore term tak premium bharne ki zaroorat nahi hoti, jisse long-term financial planning aasan ho jaati hai.

• Simple & Effective: Yeh ek straightforward endowment plan hai jo life cover aur savings ka clear benefit deta hai, jise aam janta aasani se samajh sakti hai.

LIC Jeevan Labh Plan un sabhi logon ke liye ek excellent choice hai jo ek disciplined way mein savings karna chahte hain aur apne family ke liye ek guaranteed financial cushion (suraksha kavach) banana chahte hain, woh bhi kam saalon tak premium pay karke.

(Note: Is plan ke exact premium rates, bonus rates aur policy conditions LIC ki official website ya authorized agents se verify karna important hai. Yeh description kewal jaankari ke liye hai.)