JEEVAN SHANTI

Agar aap ek aise plan ki talaash me hain jahan aapko guaranteed lifetime income mil sake, to LIC Jeevan Shanti Plan aapke liye ek perfect choice ho sakta hai. LIC ka yeh plan specially un logon ke liye design kiya gaya hai jo apni retirement ke baad regular income chahte hain ya fir apne future ke liye ek financial security banana chahte hain.

🔹 LIC Jeevan Shanti Plan Kya Hai?

LIC’s Jeevan Shanti (Plan No. 858) ek single premium annuity plan hai — matlab aapko sirf ek baar paisa invest karna hota hai, aur uske baad aapko lifetime tak regular income milti rehti hai.
Yeh plan Immediate aur Deferred Annuity dono options ke saath aata hai, jisse aap apne financial goals ke hisaab se select kar sakte hain.

🔹 Jeevan Shanti ke 2 Main Options

Immediate Annuity Option:
Isme aapko premium deposit karte hi next month se pension (annuity) milni shuru ho jati hai.
Yeh un logon ke liye ideal hai jo retirement ke baad turant regular income chahte hain.
Deferred Annuity Option:
Isme aap ek certain “deferment period” (1 se 20 saal tak) choose kar sakte hain.
Us period ke baad hi aapko regular pension milni start hoti hai.
Yeh un investors ke liye best hai jo future me stable income chahte hain.

🔹 LIC Jeevan Shanti Plan Ki Key Features

Single Premium Payment: Ek hi baar premium dena hota hai, aur lifetime tak benefits milte hain.
Guaranteed Returns: Annuity rate purchase ke time fix hoti hai — market ke uthal-puthal se aapka paisa safe rehta hai.
Flexibility: 10 alag-alag annuity options available hain (single life, joint life, return of purchase price, etc.).
Lifetime Income: Jab tak aap zinda hain, aapko regular monthly, quarterly, half-yearly ya yearly income milti rahegi.
Joint Life Benefit: Husband-wife dono ke naam par bhi plan liya ja sakta hai, jisse dono ko lifetime protection milta hai.
Loan Facility: Policy start hone ke ek saal baad aap is plan par loan le sakte hain.
Surrender Option: Special cases me (like critical illness) plan ko surrender karne ka option bhi milta hai.

🔹 LIC Jeevan Shanti Plan ke Benefits

1. Lifetime Pension:
Is plan ka sabse bada fayda hai – guaranteed pension for lifetime. Aap chahe 60 saal ke ho ya 40 saal ke, aapko har month fixed income milti rahegi.

2. Return of Purchase Price (ROP):
Agar aap yeh option choose karte hain to policyholder ke death ke baad, nominee ko invested amount wapas mil jata hai.

3. Joint Life Advantage:
Agar aap husband-wife dono ke liye ek plan lena chahte hain, to joint life option choose kar sakte hain. Dono ke jeene tak income milti rahegi.

4. Tax Benefits:
Section 80C ke under aapko tax deduction mil sakta hai. Saath hi, pension par milne wale benefits ko bhi tax-efficient way me manage kiya ja sakta hai.

5. Financial Security & Peace of Mind:
Retirement ke baad ya working life ke baad bhi, aapko ek fixed regular income milti rahegi jisse financial stress door rahega.

🔹 LIC Jeevan Shanti Plan Example

Man lijiye Mr. Ajay (Age 45) ne ₹10 lakh invest kiye hain aur Deferred Annuity for 10 Years option choose kiya hai.
To unhe 10 saal baad se har month ek fixed pension milni start ho jayegi, jo lifetime tak milegi. Agar unki death hoti hai to unke nominee ko purchase price (₹10 lakh) mil jata hai.

🔹 Kaun Is Plan Ke Liye Suitable Hai?

Jo apni retirement ke baad fixed pension chahte hain.
Jo market risk se door rehkar guaranteed income prefer karte hain.
Jo apne life partner ke liye bhi financial support chahte hain.
Jo apna paisa ek baar invest karke lifetime ke liye return lena chahte hain.

🔹 Annuity Options Available in Jeevan Shanti

Lifetime annuity for single life
Lifetime annuity with return of purchase price
Annuity payable for 5/10/15/20 years
Joint life annuity with or without return of purchase price
Deferred annuity for single/joint life

🔹 Why Choose LIC Jeevan Shanti?

Trusted brand – LIC of India par 30 crore se zyada logon ka bharosa.
100% secure investment with government backing.
Flexible payout options – Monthly, Quarterly, Half-yearly, or Yearly.
Perfect choice for retirement, long-term safety, aur peace of mind.

🔹 Final Verdict

Agar aap apni retirement planning ke liye ek secure aur guaranteed income source banana chahte hain, to LIC Jeevan Shanti Plan ek “once-in-a-lifetime” choice hai.
Yeh plan aapko financial stability, regular income aur mental peace sab kuch deta hai.

👉 Apni retirement ko secure banaiye – LIC Jeevan Shanti ke saath!