Jeevan Utsav
LIC ka Jeevan Utsav Plan LIC ki taraf se launch kiya gaya ek naya aur bahut hi aakarshak Whole Life Insurance plan hai. Yeh ek Non-Linked, Non-Participating, Individual Savings, Whole Life Insurance Plan hai.
Jeevan Utsav ki sabse badi khaas baat yeh hai ki ismein aapko Lifetime Guaranteed Income milti hai. Yeh plan premium payment band hone ke kuch saal baad se hi policyholder ko uski poori life ke liye ek fixed annual income dena shuru kar deta hai, saath hi life cover bhi 100 saal tak chalta hai.
Plan Ke Key Features (मुख्य विशेषताएँ)
1. Whole Life Coverage (Sampoorn Jeevan Suraksha):
Yeh plan policyholder ko uske 100 saal ki umar tak life cover provide karta hai, jiske chalte yeh ek ‘legacy’ plan ban jaata hai.
2. Limited Premium Payment Term (Seemit Premium Bhugtaan Avadhi):
Jeevan Utsav mein aapke paas flexible premium paying term (PPT) choose karne ka option hai: 5 saal se lekar 16 saal tak. Yani aap ek limited time tak hi paisa jama karte hain, lekin benefits poori life milte hain.
3. Guaranteed Additions (GA) (Nishchit Izaafa):
Kyunki yeh plan ‘Non-Participating’ hai (matlab LIC ke profits mein hissa nahi leta), ismein ‘Guaranteed Additions’ milte hain. Yeh GAs har saal Premium Paying Term (PPT) ke dauraan Basic Sum Assured (BSA) ke har ₹1000 par ek fixed rate se policy mein add hote hain.
Example: Agar GA rate ₹40 per ₹1000 BSA hai, toh ₹10 Lakh BSA par har saal ₹40,000 (Guaranteed) add honge jab tak aap premium pay kar rahe hain.
4. Guaranteed Lifetime Income (Ajeevan Nishchit Aamdani):
Premium Paying Term khatam hone ke baad (aur ek short deferment period ke baad), policyholder ko Guaranteed Annual Income milna shuru ho jaati hai. Aapke paas is income ko lene ke do options hain:
Option I: Regular Income Benefit (Niyamit Aamdani)
Is option mein, policyholder ko PPT khatam hone ke 3 se 6 saal baad se hi (jo bhi aap choose karein) har saal Basic Sum Assured ka 10% Guaranteed Annual Income milna shuru ho jaata hai.
Yeh income policyholder ko uski poori life (100 saal ki umar tak) milti rehti hai.
Option II: Flexi Income Benefit (Lachili Aamdani)
Is option mein bhi Regular Income Benefit ki tarah har saal Basic Sum Assured ka 10% income milna shuru hota hai.
Lekin policyholder is income ko turant na lekar accumulate (jama) kar sakta hai aur jab zarurat ho tab nikal sakta hai.
LIC is accumulated amount par 5.5% per annum ka interest (compounding) bhi deti hai. Policyholder saal mein ek baar is jama kiye hue fund ka 75% tak nikal sakta hai.
Eligibility Criteria (पात्रता माapdand)
| Parameter | Minimum | Maximum |
| Entry Age | 90 days (completed) | Depends on PPT, Max 65 years |
| Maturity Age | – | 100 years (nearest birthday) |
| Premium Paying Term (PPT) | 5 years | 16 years |
| Basic Sum Assured (BSA) | ₹5,00,000/- | No Limit (Underwriting par depend karta hai) |
Benefits (फायदे)
A. Survival Benefit (Income Phase)
PPT khatam hone ke baad, policyholder ko chune hue option ke anusaar lifetime income milti hai:
Option I (Regular): Har saal BSA ka 10% guaranteed income.
Option II (Flexi): Har saal BSA ka 10% income accumulate hoti hai + 5.5% interest.
Yeh dono survival benefits poori tarah se Tax-Free hote hain.
B. Death Benefit (Policy Term ke Dauraan)
Agar policyholder ki unfortunately death ho jaati hai (jabki policy chalu ho):
Death Benefit = “Sum Assured on Death” + Accrued Guaranteed Additions (GA)
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 hamesha Total Premiums Paid ka 105% se kam nahi hoga (Total Premiums Paid mein Tax aur Rider Premium shamil nahi hote).
C. Maturity Benefit (100 Saal ki Umr Par)
Kyunki yeh ek ‘Whole Life’ plan hai, ismein koi traditional maturity amount nahi milta.
On survival to age 100 years, policy term khatam ho jaata hai, aur policyholder ko BSA + Accrued Guaranteed Additions (GA) ka Lump Sum Amount milta hai.
Agar policyholder ne Option II chuna tha aur usmein koi accumulated amount bacha hai, toh woh bhi milta hai.
Other Important Aspects (अन्य ज़रूरी पहलू)
Guaranteed Nature: Jeevan Utsav ek ‘Non-Participating’ plan hai, isliye ismein milne wale Guaranteed Additions aur Guaranteed Annual Income (10% of BSA) fix hote hain aur market fluctuation se affected nahi hote.
Tax Benefits: Premium payments par Section 80C ke under tax deduction milta hai. Death Benefit, Maturity Payout aur har saal milne wali Annual Income (10% of BSA) Income Tax Act ke Section 10(10D) ke under poori tarah se tax-free hoti hai.
Loan Facility: 2 saal ke full premiums pay karne ke baad loan facility available hai.
Rider Benefits (Add-ons): Optional Riders available hain jaise ki Accidental Death and Disability Benefit Rider, Term Assurance Rider, aur Critical Illness Rider.
Jeevan Utsav Kyun Choose Karein? (Why Buy Jeevan Utsav?)
Lifetime Passive Income: Yeh plan ek baar premium bharne ke baad poori life ke liye ek guaranteed, tax-free annual income source create karta hai, jo ki retirement ke baad ki needs ke liye bahut zaroori hai.
Certainty of Returns: ‘Non-Participating’ hone ke karan ismein milne wale returns (Guaranteed Additions aur 10% Annual Income) fix aur assured hote hain, jo ki conservative investors ke liye best hai.
Flexibility of Income: Option II (Flexi Income) un logon ke liye perfect hai jinko future mein lump sum amount ki zarurat pad sakti hai, aur tab tak woh apne income par 5.5% ka compounding interest bhi kama sakte hain.
Conclusion:
LIC Jeevan Utsav Plan ek aisa modern solution hai jo limited premium payment ke badle mein, lifetime life cover aur guaranteed tax-free income ka wada karta hai. Yeh plan har us vyakti ke liye ideal hai jo apni retirement aur aane wali peedhi (next generation) ke liye ek majboot, guaranteed financial legacy chhodna chahta hai.
(Disclaimer: Plan lene se pehle LIC ke official document ya authorized advisor se saari jaankari verify karein. Tax laws aur policy benefits waqt ke saath badal sakte hain.)