Jeevan Umang
LIC ka Jeevan Umang Plan ek bahut hi khaas aur unique insurance product hai. Yeh ek Non-Linked, Participating, Individual, Whole Life Assurance Plan hai. Is plan ki sabse badi khoobi yeh hai ki yeh aapko 100 saal ki umar tak life cover deta hai aur ek limited time period tak premium bharne ke baad aapko guaranteed tax-free income dena shuru kar deta hai.
Jeevan Umang ek aisi policy hai jo aapki retirement ke baad ki financial needs, aur aapke family ki lambi avadhi ki suraksha dono ko ek saath poora karti hai. Ise family ke liye ek legacy (virasat) plan ke roop mein bhi dekha jaata hai.
Plan Ke Key Features (मुख्य विशेषताएँ)
1. Whole Life Coverage (Sampoorn Jeevan Suraksha):
Jeevan Umang policyholder ko uske 100 saal ki umar tak life cover provide karti hai. Agar policyholder 100 saal tak zinda rehta hai, toh usko Maturity Benefit milta hai. Agar 100 saal se pehle death ho jaati hai, toh Nominee ko Death Benefit milta hai.
2. Limited Premium Payment Term (Seemit Premium Bhugtaan Avadhi):
Policyholder ko poori life premium nahi bharna padta. Aapke paas chaar Premium Paying Term (PPT) options hain: 15, 20, 25, ya 30 saal. Aapko bas is chune hue term tak hi premium pay karna hai.
3. Guaranteed Annual Income (Nishchit Varshik Aamdani):
Yeh plan ka sabse aakarshak feature hai. Jab aapka chuna hua Premium Paying Term (PPT) khatam ho jaata hai, toh agle saal se lekar aapke 100 saal ki umar tak ya death hone tak, har saal aapko Basic Sum Assured (BSA) ka 8% Guaranteed Survival Benefit milta hai.
Example: Agar BSA ₹10 Lakh hai aur PPT 15 saal hai, toh 15 saal baad se har saal ₹80,000 (8% of ₹10 Lakh) milna shuru ho jaayega. Aur yeh income poori tarah se Tax-Free hoti hai.
4. Participation in Profits (Labh mein Bhagidaari):
Jeevan Umang ek ‘With-Profits’ plan hai, isliye ismein bonuses milte hain:
Simple Reversionary Bonus (SRB): Yeh har saal LIC ki performance ke aadhar par announce hota hai aur policy mein jama hota jaata hai.
Final Additional Bonus (FAB): Yeh ek one-time bonus hai jo 100 saal ki maturity ya death ke time par diya jaata hai.
Eligibility Criteria (पात्रता मापदंड)
| Parameter | Minimum | Maximum |
| Entry Age | 90 days (3 months) | 55 years (PPT ke hisaab se) |
| Maturity Age | – | 100 years (nearest birthday) |
| Premium Paying Term (PPT) | 15, 20, 25, ya 30 saal | – |
| Age at End of PPT | 30 years | 70 years |
| Basic Sum Assured (BSA) | ₹2,00,000/- | No Limit (Underwriting par depend karta hai) |
Benefits (फायदे)
A. Survival Benefit / Annual Income (PPT ke Baad)
Policyholder ke chune hue Premium Paying Term (PPT) ke successfully complete hone ke baad, agar policyholder zinda rehta hai:
Policyholder ko uski umar 100 saal hone tak ya death hone tak (jo bhi pehle ho), har saal Basic Sum Assured ka 8% tax-free amount milta hai.
Yeh income policyholder ki retirement ke baad ek regular pension ki tarah kaam karti hai.
B. Maturity Benefit (100 Saal ki Umr Par)
Agar policyholder poore 100 saal tak zinda rehta hai, toh usko lump sum mein Maturity Benefit milta hai:
Maturity Benefit = Basic Sum Assured (BSA) + Vested Simple Reversionary Bonuses (SRB) + Final Additional Bonus (FAB)
C. Death Benefit (Policy Term ke Dauraan)
Agar policyholder ki unfortunately death ho jaati hai (policy term ke dauraan, jabki policy in-force ho):
Death Benefit = “Sum Assured on Death” + Vested Simple Reversionary Bonuses (SRB) + Final Additional Bonus (FAB)
Yahan “Sum Assured on Death” is defined as: Higher of (i) Basic Sum Assured (BSA) OR (ii) 7 times of Annualized Premium.
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).
Other Important Aspects (अन्य ज़रूरी पहलू)
Tax Benefits: LIC Jeevan Umang mein diye gaye premiums par Section 80C ke under tax deduction milta hai. Sabse zaroori baat yeh hai ki Death Benefit, Maturity Benefit aur har saal milne wala Survival Benefit (8% of BSA) Income Tax Act ke Section 10(10D) ke under poori tarah se tax-free hota hai.
Loan Facility (ऋण सुविधा): Policy ko 2 saal ke premiums bharne ke baad is par loan lene ki suvidha available hai. Loan ka amount aur interest rate LIC decide karti hai.
Rider Benefits (Add-ons): Policyholder extra premium dekar kuch riders add kar sakte hain, jaise ki Accidental Death and Disability Benefit Rider, Term Assurance Rider, aur Critical Illness Rider.
Surrender & Paid-up Value: 2 saal ke full premiums pay karne ke baad policy ko surrender ya paid-up mein convert kiya ja sakta hai. Paid-up hone par benefits kam ho jaate hain, lekin life cover aur survival benefits (reduced form mein) jari rehte hain.
Jeevan Umang Kyun Le (Why Buy Jeevan Umang?)
Guaranteed Life-Long Income: Yeh ek aisa plan hai jo aapko ek fixed age (PPT ke baad) se lekar 100 saal tak guaranteed tax-free income deta hai, jo retirement ke liye perfect hai.
Whole Life Cover: 100 saal tak ka life cover milta hai, jo aapki family ko lifetime financial security deta hai.
Future Planning for Children: Agar aap bacche ke liye policy lete hain (minimum age 90 days), toh aap PPT tak premium bhar kar policy ko ‘gift’ kar sakte hain, aur us bacche ko uski 30s ya 40s ki umar se 100 saal tak tax-free annual income milna shuru ho jaati hai.
Tax Efficiency: Ismein milne wale teeno major benefits (Death, Maturity, aur Annual Income) tax-free hote hain.
Conclusion:
LIC Jeevan Umang Plan ek all-in-one product hai jo life insurance, long-term savings, aur guaranteed regular income ka perfect blend hai. Yeh un logon ke liye ek behtareen choice hai jo ek limited time tak paisa invest karke, baaki ki poori life tax-free financial security aur regular income chahte hain. Iski Whole Life nature aur 8% ki guaranteed income isko LIC ke sabse acche selling plans mein se ek banati hai.
(Note: Is plan ke features, premium rates, aur bonuses LIC ke discretion par nirbhar karte hain. Please official sources se latest details confirm karein.)