Bima Laxmi
LIC Bima Lakshmi Plan – Complete Description in Hinglish
Agar aap ek aise life insurance plan ki talash me hain jisme life protection ke saath guaranteed returns bhi milein, to LIC Bima Lakshmi Plan (Plan No. 933) aapke liye ek perfect choice ho sakta hai.
Yeh plan specially un logon ke liye design kiya gaya hai jo apne parivaar ko financial security dena chahte hain aur saath hi ek short-term investment return bhi chahte hain.
🔹 LIC Bima Lakshmi Kya Hai?
LIC Bima Lakshmi ek Non-linked, Non-participating, Individual, Savings, Life Insurance Plan hai.
Simple words me bole to yeh ek guaranteed return plan hai jahan aapko life cover ke saath fixed maturity amount milta hai.
Is plan me bonus nahi hota, par aapko shuru me hi saare benefits fixed mil jaate hain, jo market risk se bilkul safe hote hain.
🔹 Plan Ki Speciality
Bima Lakshmi ek Limited Premium Paying Endowment Plan hai, jisme aapko policy term se 2 saal kam tak hi premium dena hota hai.
Matlab agar aap 15 saal ka plan lete hain, to aapko sirf 13 saal tak hi premium bharna hoga.
Baaki ke 2 saal tak aapko kuch bhi nahi dena padta, par policy active rehti hai.
🔹 LIC Bima Lakshmi Plan Ke Key Features
Guaranteed Benefits:
Market me chahe uthal-puthal ho, aapko guaranteed returns milte hain.Limited Premium Payment:
Policy term se 2 saal kam tak hi premium bharna hota hai.Life Cover:
Policy term ke dauran agar policyholder ki death hoti hai to nominee ko sum assured on death milta hai.Maturity Benefit:
Policy ke end me aapko sum assured on maturity + guaranteed additions milte hain.Guaranteed Additions:
Har saal aapke policy me ₹50 per ₹1,000 Sum Assured ke hisaab se Guaranteed Additions add hote hain.Loan Facility:
Policy par loan facility available hai after paying 2 full years’ premium.Surrender Option:
Policy ko 2 saal ke premium ke baad surrender bhi kiya ja sakta hai.Tax Benefits:
Premiums par aapko Section 80C ke under tax benefit milta hai aur maturity amount Section 10(10D) ke under tax-free hoti hai.
🔹 LIC Bima Lakshmi Plan ke Benefits
🟢 1. Death Benefit:
Agar policyholder ki policy term ke dauran death hoti hai, to nominee ko “Sum Assured on Death” + Accrued Guaranteed Additions milte hain.
Yeh death benefit kabhi bhi 105% of total premiums paid se kam nahi hota.
🟢 2. Maturity Benefit:
Policy ke maturity par, agar policyholder zinda hain, to unhe Sum Assured on Maturity + Accrued Guaranteed Additions milte hain.
Yeh ek lump-sum guaranteed payout hota hai.
🟢 3. Guaranteed Additions:
Har saal ₹50 per ₹1,000 Sum Assured ke rate se additions milte hain.
Example: Agar aapka Sum Assured ₹10 Lakh hai, to har saal ₹50,000 add hoga.
🔹 Example:
Man lijiye Mr. Ajay ne age 35 par LIC Bima Lakshmi Plan liya, jisme:
Sum Assured = ₹10,00,000
Policy Term = 15 Years
Premium Paying Term = 13 Years
To har saal ₹50 per ₹1,000 ke hisaab se guaranteed additions milenge.
15 saal ke baad unhe ₹7,50,000 ke around guaranteed additions milenge + ₹10,00,000 Sum Assured.
Matlab maturity ke time total ₹17.5 lakh ka guaranteed return mil sakta hai.
🔹 Kaun Is Plan Ko Lena Chahiye?
Jo risk-free guaranteed plan chahte hain.
Jo short-term saving with life cover chahte hain.
Jo apne parivaar ke liye financial backup banana chahte hain.
Jo market risk ke bina secure investment prefer karte hain.
🔹 LIC Bima Lakshmi Plan Ke Fayde Ek Nazar Mein:
| Feature | Benefit |
|---|---|
| Type of Plan | Guaranteed Savings with Life Cover |
| Premium Paying Term | Policy Term – 2 Years |
| Returns | Fixed & Guaranteed |
| Life Cover | Yes (till policy term) |
| Bonus | Not Applicable |
| Loan Facility | After 2 Years |
| Surrender | After 2 Years |
| Tax Benefit | 80C & 10(10D) |
| Risk-Free | 100% Secure (LIC of India backed) |
🔹 Why Choose LIC Bima Lakshmi?
Guaranteed Maturity: Fixed income without any market dependency.
LIC Trust: India’s No.1 trusted insurance company.
Family Protection: Life cover + maturity payout = double security.
Flexible Tenure: Choose 10 to 20 years policy as per your goal.
Perfect for Short-Term Goals: Child education, marriage fund, or retirement saving.
🔹 Final Verdict
Agar aap ek aise plan me invest karna chahte hain jahan aapko peace of mind, life cover, aur guaranteed maturity returns sab kuch mile, to LIC Bima Lakshmi Plan ek best option hai.
Yeh plan ek combination hai protection aur saving ka, jisse aap apne family future ko secure kar sakte hain bina kisi market risk ke.
👉 Apni zindagi aur family ka future secure kijiye – LIC Bima Lakshmi ke saath!
Guaranteed Returns, Lifetime Peace!