jeevan lakshya
LIC ka Jeevan Lakshya Plan India mein bahut famous hai, jise aam bol-chaal ki bhasha mein ‘Kanyadaan Policy’ ke naam se bhi jaana jaata hai. Yeh ek Non-Linked, Participating, Individual Life Assurance Endowment Plan hai. Is plan ka main purpose policyholder ki death ho jaane par bhi, uske family/bachchon ke future financial goals (khaaskar beti ki shaadi ya padhai) ko protect karna hai.
Jeevan Lakshya ki sabse unique aur powerful feature yeh hai ki policyholder ki untimely death hone par bhi, policy ke saare baki premiums maaf ho jaate hain, aur family ko har saal ek fixed income milti rehti hai, aur maturity par poora amount bhi milta hai. Yeh is plan ko ek behtareen ‘contingency plan’ banata hai.
Plan Ke Key Features (मुख्य विशेषताएँ)
1. Triple Benefit in Case of Death (Maut hone par Teen-Guna Fayda):
Agar policy term ke dauraan policyholder ki death ho jaati hai, toh teen alag-alag benefits milte hain:
Waiver of Premium (Premiums ki Maafi): Nominee ko aage koi premium nahi bharna padta.
Annual Income Benefit (Saalana Aamdani): Nominee ko har saal Basic Sum Assured ka 10% milta hai.
Maturity Benefit: Policy ke maturity date par Nominee ko promised lump sum amount milta hai.
2. Limited Premium Payment (Seemit Premium Bhugtaan):
Yeh ek limited premium payment plan hai. Ismein policy term (PT) se teen saal kam (PT – 3 years) tak hi premiums pay karne hote hain.
3. Participation in Profits (Labh mein Bhagidaari):
Yeh ek ‘With-Profits’ plan hai. Ismein policyholder ko LIC ke profits mein hissa milta hai in the form of Bonuses:
Simple Reversionary Bonus (SRB): Har saal declare hota hai aur policy value mein add hota jaata hai. Death ya Maturity par milta hai.
Final Additional Bonus (FAB): Lambe samay tak chali policies ko maturity ya death par ek additional lump sum bonus milta hai.
Eligibility Criteria (पात्रता मापदंड)
| Parameter | Minimum | Maximum |
| Entry Age | 18 saal (last birthday) | 50 saal (nearest birthday) |
| Maturity Age | 31 saal (nearest birthday) | 65 saal (nearest birthday) |
| Policy Term (PT) | 13 years | 25 years |
| Premium Paying Term (PPT) | Policy Term – 3 years | Policy Term – 3 years |
| Basic Sum Assured (BSA) | ₹1,00,000/- | No Limit (Underwriting par depend karta hai) |
Benefits (फायदे)
A. On Survival to Maturity (Paripakvata par Jeevit Rehne par)
Agar policyholder 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 + Vested Simple Reversionary Bonuses (SRB) + Final Additional Bonus (FAB) (agar koi ho toh)
B. On Death During Policy Term (Policy Avadhi ke Dauraan Mrityu hone par)
Agar policy term ke dauraan policyholder ki untimely death ho jaati hai, toh family/nominee ko ek special benefit structure milta hai:
1. Future Premiums Waived: Nominee ko aage ke koi premiums nahi bharne padte. Policy ‘in-force’ (chalu) hi rehti hai.
2. Annual Income Benefit: Death hone ki policy anniversary se lekar maturity date se ek saal pehle tak, har saal Basic Sum Assured ka 10% Nominee ko milta hai.
Example: Agar BSA ₹10 Lakh hai, toh har saal ₹1 Lakh ki annual income milti hai.
3. Final Maturity Payout: Policy ke maturity date par Nominee ko ek bada lump sum amount milta hai:
Maturity Payout = (110% of Basic Sum Assured) + Vested Simple Reversionary Bonuses (SRB) + Final Additional Bonus (FAB)
Example: Agar BSA ₹10 Lakh hai, toh maturity par Nominee ko ₹11 Lakh (Guaranteed) + Accumulated Bonuses + FAB milta hai.
Maturity Benefit ke liye Death Benefit ka “Sum Assured on Death” Calculation:
Death Benefit = “Sum Assured on Death” + Vested Bonuses + FAB.
“Sum Assured on Death” is defined as Higher of (i) 7 times of Annualized Premium OR (ii) 110% of Basic Sum Assured.
Lekin Death Benefit hamesha Total Premiums Paid (excluding taxes, riders, etc.) ka 105% se kam nahi hoga.
Note: Is plan ka ‘Death Benefit’ calculation thoda complex hai, lekin iska main focus yeh ensure karna hai ki family ko current income aur future maturity ka ek strong financial support mile.
C. Optional Rider Benefits (अतिरिक्त राइडर लाभ)
Extra premium dekar aap ye riders add kar sakte hain:
LIC’s Accidental Death and Disability Benefit Rider: Accident se death ya disability hone par additional benefits.
LIC’s New Term Assurance Rider: Death hone par extra term life cover.
LIC’s New Critical Illness Benefit Rider: Selected gambhir beemariyon ke liye lump sum payout.
Other Important Aspects (अन्य ज़रूरी पहलू)
Premium Payment Modes: Yearly, Half-Yearly, Quarterly, aur Monthly (ECS/SSS ke through) options available hain.
Loan Facility (ऋण सुविधा): Policy ko 2 saal ke premiums bharne ke baad is par loan liya ja sakta hai.
Surrender Value: Policy ko 2 saal ke full premiums pay karne ke baad surrender kiya ja sakta hai.
Grace Period: Premium ki due date nikal jaane par extra time: Monthly mode ke liye 15 din aur baki modes ke liye 30 din.
Tax Benefits: Premium payments Section 80C ke under tax deductions ke liye eligible hain, aur Death/Maturity Benefit ka amount aam taur par Section 10(10D) ke under tax-free hota hai.
Summary (Sankshipt Saaransh)
LIC Jeevan Lakshya Plan is not just an insurance plan; it is a dedicated financial tool designed for long-term goals, especially the protection of a child’s future even if the earning parent is no longer around.
Best for: Parents, khaaskar fathers, jo apni betiyon/bachchon ki padhai aur shaadi ke liye ek guaranteed fund banana chahte hain.
The Uniqueness: Premium payment ki maafi aur har saal annual income ka milna, jisse family ka kharcha chalta rahe aur maturity ka goal bhi achieve ho.
Yeh plan ek family ke financial future ko do-chaar tareeke se secure karta hai—protection, savings, aur guaranteed income.
(Disclaimer: Plan lene se pehle LIC ke official document ya authorized advisor se saari jankari verify karein. Tax laws aur policy benefits waqt ke saath badal sakte hain.