“Sahi LIC Plan kaise choose karein”

LIC ka naam aate hi kai logon ke dimaag me ye sawal aata hai –
“Itne saare plans hain, mere liye sahi LIC plan kaun sa hai?”

Agar aap bhi confused ho ki term plan lein, endowment plan, money back ya phir pension plan, toh ye blog aapke liye hai. Yahan hum simple hinglish me samjhenge ki sahi LIC plan kaise choose karein, kin points par dhyaan dena chahiye, aur kaun sa plan kis type ke goal ke liye sahi hota hai.

1. Pehle apna Purpose clear karein

Sabse pehle ye decide karein ki aap LIC plan kis purpose se lena chahte hain:

1. Sirf protection (risk cover) chahiye?

   • Matlab agar aap nahi rahe toh family ko bada amount mil jaye.

   • Is case me Term Insurance best rahta hai.

2. Protection + Saving dono chahiye?

   • Thoda maturity amount bhi chahiye, saath me life cover bhi.

   • Is case me Endowment / Money Back / Child plan / ULIP type plans use ho sakte hain.

3. Retirement / Pension ke liye planning chahiye?

   • Old age me regular income chahiye.

   • Iske liye Pension / Annuity plans useful hain.

4. Child future planning chahiye?

   • Beti / Bete ki education aur marriage ke liye.

   • Iske liye Child specific plans available hote hain.

Jab purpose clear ho jata hai, tab half confusion khatam ho jata hai. Ab agla step hai – apni financial situation samajhna.

2. Apni Financial Profile ka analysis karein

LIC plan choose karne se pehle khud se kuch basic sawal poochhiye:

• Aapki monthly income kitni hai?

• Aapke fixed expenses (EMI, rent, school fees, ration, etc.) kitne hain?

• Aapke paas already kitna insurance cover hai?

• Aapka responsibility level kya hai?

  • Married / unmarried?

  • Kitne dependents hain? (wife, parents, kids)

Ek thumb rule:
👉 Pure protection ke liye aapka life cover kam se kam aapki annual income ka 10–15 guna hona chahiye.
Example: Agar aapki annual income ₹6 lakh hai, toh total life cover approx ₹60–90 lakh hona chahiye (ya isse bhi zyada, depend on needs).

Ye cover mostly Term Plan se cover karna best hota hai, kyunki iska premium low hota hai aur sum assured high.

3. LIC ke major plan categories samjhein (simple language me)

(A) Term Insurance Plan

• Sirf pure life cover deta hai.

• Agar policy term ke during death ho jaye, toh nominee ko sum assured milta hai.

• Agar policy term complete ho jaye aur aap healthy hain, toh normally koi maturity amount nahi (pure protection).

• Premium low hota hai, cover high milta hai.

Kis ke liye best?

• Young earners, family ke single earning member, jinki priority “family ka protection” ho.

(B) Endowment / Saving Plans

• Isme life cover + saving dono hote hain.

• Aap regular premium dete hain, policy term ke end me sum assured + bonus milta hai (agar policy in-force hai).

• Risk kam, return moderate, long-term discipline maintain hota hai.

Kis ke liye best?

• Jinhe guaranteed type corpus chahiye, thodi bahut risk se bach ke chalna hai, saath hi life cover bhi chahiye.

(C) Money Back Plans

• In plans me aapko policy term ke beech beech me fixed intervals par kuch amount wapas milta rehta hai (survival benefit).

• Term end hote hi remaining amount + bonus mil sakta hai.

• Life cover poore term me rehta hai.

Kis ke liye best?

• Jin logon ko regular intervals par paison ki need hoti rehti hai – jaise child education milestones, loan repayment planning, etc.

(D) Child Plans

• Ye specifically children ke future ke liye design hote hain.

• Often parent life insured hota hai, but benefit child ke favour me hota hai.

• Parent ke death pe future premium maaf ho sakta hai, policy continue reh kar maturity par amount child ko milta hai.

Kis ke liye best?

• Jo parents apne bacchon ki education & marriage ke liye focused planning karna chahte hain.

(E) Pension / Annuity Plans

• Ye mainly retirement ke baad ki regular income ke liye hote hain.

• Aap ek lump sum ya regular premium pay karte hain, aur future me monthly/quarterly pension milti rehti hai.

Kis ke liye best?

• Jo log apni old age income security chahte hain – especially private job wale, jinke paas koi pension system nahi hota.

4. Sahi LIC plan choose karne ke Important Points

4.1 Apna Goal Clearly Define karein

Har LIC plan ko ek goal ke saath link kijiye:

• “Ye plan meri family protection ke liye hai.”

• “Ye plan child education ke liye hai.”

• “Ye plan retirement ke liye pension dega.”

Jab goal clear hota hai toh aap endowment, money back, term, pension me se sahi option choose kar sakte hain.

4.2 Premium Affordability check karein

Plan tabhi useful hai jab:

• Aap puray term tak premium comfortably pay kar sakte hon.

• Zyada premium ka load le kar beech me policy surrender karna loss ka deal ban jata hai.

Isliye:

• Pehle apne budget me see karein ki per month / per year kitna amount easily allocate kar sakte hain.

• Uske basis par hi sum assured aur plan ka type select karein.

4.3 Policy Term ka selection

• Term insurance me koshish karein ki term retirement age tak ho (say 60 years), taaki jab tak income dependents ke liye zaroori hai, tab tak cover rahe.

• Endowment / child plan me term ko goal year ke hisaab se set karein – jaise 15 saal baad child ki graduation ke liye paisa chahiye, toh 15-years plan.

4.4 Riders ka use samajhdaari se karein

LIC plans me kai useful riders milte hain, like:

• Accidental Death Benefit Rider

• Critical Illness Rider

• Disability Rider, etc.

Ye small extra premium me extra protection dete hain.
Lekin har rider lena zaroori nahi, sirf apni need ke hisaab se choose karein.

4.5 Claim Settlement Ratio & Trust Factor

LIC ka historically claim settlement ratio strong raha hai, ye ek bada positive point hai.
Phir bhi, policy purchase se pehle:

• Agent se ya official sources se updated info lein.

• Policy document dhyaan se padhein – terms & conditions samjhein.

Jitna plan clear rahega, utna future me claim process smooth rahega.

5. Common Mistakes jo log LIC plan choose karte time karte hain

1. Sirf tax saving ke liye plan lena
   – Year-end par hurried decision, bina goal ke.
   Result: Wrong plan, low return, regret.

2. Premium ke hisaab se plan choose karna, cover ke hisaab se nahi
   – “Bas ₹10,000 premium me jo milta hai le lo.”
   – Shayad cover bahut kam ho, jo future me family ke liye enough na ho.

3. Agent ki baat blindly maan lena
   – Agent guide kar sakta hai, lekin final decision aapka hona chahiye.
   – Apni need samajhkar hi sign karein.

4. Policy document nahi padhna
   – Later surprises milte hain – exclusion, condition, waiting period, etc.

5. Multiple chhote-chhote policies le lena
   – Clutter create hota hai, management tough ho jata hai.
   – Better hai limited policies lein, magar well-planned.

6. Example: Ek simple combo planning

मान लीजिए aap 30 years ke hain, married hain, 1 small child hai, monthly income ₹50,000:

• Step 1: Family protection ke liye ek adequate Term Plan – say ₹1 crore cover.

• Step 2: Future saving ke liye ek Endowment / Money Back plan jisse 15–20 years baad ek corpus mile.

• Step 3: Child ke liye ek Child plan jisse 18–21 age par education fund ready ho.

• Step 4: Retirement ke liye later stage me Pension plan add karein.

Ye combo aapko protection + saving + future income sab cover karne me help karega.

7. Kaise decide karein – khud plan lein ya advisor se baat karein?

Agar aap:

• Policy documents padh sakte hain,

• Numbers aur conditions samajh sakte hain,

toh khud compare karke decision le sakte hain.

Lekin agar aapko confusion hai ya time kam hai, toh professional LIC / financial advisor se baat karna zyada beneficial rahega. Wo aapki:

• Age

• Income

• Family responsibility

• Existing policies

• Future goals

dekhkar aapko customized suggestion de sakta hai.

Strong Call to Action (CTA)

Aaj ek baar khud se ye sawal zaroor poochhiye:

“Agar kal mere saath kuch ho jaye,
kya mere family ke sapne safe hain?
Kya mere paas sahi LIC plan hai jo unka future secure kare?”

Agar answer “pata nahi” ya “shayad nahi” hai,
toh yehi right time hai action lene ka.

👉 Step 1: Apni current policies ka review kijiye – kya cover enough hai? kya terms aapke goals se match karte hain?
👉 Step 2: Apne goals likhiye – family protection, child education, retirement, tax saving.
👉 Step 3: In goals ke basis par sahi LIC plan choose karein – term, endowment, money back, child, pension – jo aapke liye fit ho.

Agar aapko lagta hai:

• “Mujhe samajh nahi aa raha kaun sa plan mere liye best hai,”

• “Kitna sum assured lena chahiye?”

• “Kaunsa premium mera budget me rahega?”

toh bina delay kiye ek trusted LIC advisor se contact karein.

📞 “Apni family ki suraksha ko kal par mat chhodiye.
Aaj hi sahi LIC plan select karke unka future secure kijiye!”