Jeevan Tarun
LIC Jeevan Tarun Plan – Bachon Ke Future Ko Suraksha Dene Wala Smart Plan
Har maa-baap ka sapna hota hai ki unke bachon ka future secure ho, unki padhai aur shaadi bina kisi financial tension ke ho jaye. LIC ne isi dream ko reality banane ke liye ek special child plan launch kiya hai – LIC Jeevan Tarun Plan.
Ye plan aapke bachche ke liye ek financial umbrella jaisa kaam karta hai – jisme bachpan se lekar adulthood tak protection aur savings dono ka benefit milta hai.
Jeevan Tarun ek participating, non-linked savings plan hai jisme aapko life cover + maturity benefits dono milte hain. Ye plan specially 0 se 12 saal ke bachon ke liye design kiya gaya hai jisse unka education aur future expenses aasani se cover ho sakein.
💡 LIC Jeevan Tarun Plan – Key Highlights
Plan Type: Participating, Non-linked (With Profits) Savings Plan
Eligibility: Child age – 0 to 12 years
Policy Term: 25 minus age of child
Premium Payment Term: 20 minus age of child
Minimum Sum Assured: ₹75,000
Maximum: No limit
🎯 Main Objectives of LIC Jeevan Tarun Plan
1️⃣ Child ke Future Expenses ke liye Savings
Aap apne bachche ke liye har mahine ya saal ek chhoti investment karte hain, jo policy ke end tak ek badi maturity amount ban jati hai. Ye paisa aapke bachche ke education, higher studies, ya marriage ke liye use ho sakta hai.
2️⃣ Life Protection + Savings ka Combination
Agar policyholder (yaani parent) ke saath kuch unfortunate hota hai, to bachche ko life cover benefit milta hai aur policy ke benefits continue rehte hain.
3️⃣ Flexible Maturity Options
Jeevan Tarun plan mein aapko maturity ke time 4 options milte hain –
0% Survival Benefit + 100% Maturity Benefit
25% Survival Benefit + 75% Maturity Benefit
50% Survival Benefit + 50% Maturity Benefit
75% Survival Benefit + 25% Maturity Benefit
Yaani aap decide kar sakte hain ki aapke bachche ko kis tarah se paisa milna chahiye — padhai ke dauran ya poora ek saath maturity par.
4️⃣ Bonus Benefits
LIC Jeevan Tarun ek participating plan hai, isiliye har saal aapko LIC ke declared bonuses milte hain jo aapki final maturity value ko badha dete hain.
🧾 Example – Samajhiye Kaise Kaam Karta Hai
Maan lijiye aap apne 5 saal ke bachche ke liye ₹5 lakh sum assured ke saath Jeevan Tarun plan lete hain. Aap har saal premium pay karte hain jab tak bachcha 25 saal ka nahi ho jata.
Policy ke dauran aapko:
Har saal LIC ka bonus milta rahega.
Jab bachcha 20 saal ka hota hai, tab se survival benefits milne lagte hain (jaise 5%, 10%, 15% of sum assured).
25 saal ki age par poora maturity amount + bonus milta hai.
Yaani aapke bachche ko education aur shaadi dono ke liye ek ready fund milta hai.
🧒 Why Parents Prefer LIC Jeevan Tarun Plan
✅ Secure Future – Child’s education aur marriage ke liye guaranteed fund.
✅ LIC ka Trust – Bharat ki sabse trusted insurance company.
✅ Flexible Payouts – Aap choose kar sakte hain kitna aur kab paisa mile.
✅ Tax Benefits – Section 80C & 10(10D) ke under tax saving.
✅ Bonus Benefits – LIC ke yearly profits ka hissa aapko milta hai.
✅ Life Cover – Unfortunate event me family ko financial support milta hai.
📊 Benefits at a Glance
| Benefit Type | Description |
|---|---|
| Death Benefit | Sum Assured + Bonus (if any) |
| Survival Benefit | 20 se 24 saal ke beech har saal fixed percentage |
| Maturity Benefit | Remaining Sum Assured + Bonus |
| Loan Facility | Available after 3 policy years |
| Surrender Value | Available after 2 full premiums paid |
👨👩👧👦 Who Should Take This Plan
Parents who want to secure their child’s higher education.
Families planning early for daughter’s marriage.
Those looking for a long-term safe savings plan with guaranteed returns.
Parents who believe in financial discipline and LIC trust.
💬 Example Situation
Imagine a father starts this plan when his son is 2 years old. Jab beta 18 saal ka hota hai, tab tak ek accha fund ready hota hai. Agar father ke saath kuch ho jaye, to LIC policy continue karti hai aur maturity time par bachche ko poora paisa milta hai.
Iska matlab – Protection bhi, Savings bhi aur Peace of Mind bhi.
🔒 Final Thought – Bachche ke Sapno Ko Wings Dijiye
LIC Jeevan Tarun Plan har parent ke liye ek responsible financial choice hai. Ye plan ensure karta hai ki aapka bachcha chahe doctor bane, engineer ya entrepreneur – uske sapno ko paise ki wajah se kabhi rukna na pade.
Aaj hi LIC Jeevan Tarun Plan ke saath apne bachche ke liye ek Surakshit aur Samriddh Future banaiye.