Singal Premium Endowment Plan
LIC ka Single Premium Endowment Plan (Plan No. 917) ek Non-Linked, Participating, Individual, Life Assurance Savings Plan hai. Yeh plan un logon ke liye ek behtareen choice hai jinke paas invest karne ke liye lump sum amount hai. Is plan ki sabse khaas baat yeh hai ki aapko poore policy term ke liye premium sirf ek hi baar policy shuru hone par dena hota hai.
Ise aksar log ‘LIC mein Fixed Deposit’ ki tarah bhi dekhte hain, kyunki ismein ek baar paisa lagane par aapko life cover ke saath-saath guaranteed maturity benefit (Sum Assured) aur LIC ke profits se Bonuses bhi milte hain.
Plan Ke Key Features (मुख्य विशेषताएँ)
1. Single Premium Payment (एकल प्रीमियम):
Is plan mein aapko baar-baar premium bharne ki zaroorat nahi hoti. Policy lete hi aapko ek lump sum premium pay karna hota hai, aur policy poore term ke liye active ho jaati hai. Yeh un logon ke liye bahut convenient hai jinki income irregular hoti hai, ya phir jinko retirement/bonus mein ek bada amount mila ho.
2. Traditional (Non-Linked) Plan:
Yeh plan market se linked nahi hai. Iska matlab hai ki aapka paisa stock market ke ups and downs se affect nahi hota. Isliye, yeh plan safe aur secure investment options ki category mein aata hai, jahan returns market volatility par depend nahi karte.
3. Participating Plan (Profits mein Hissedari):
Chunki yeh ek “with profits” plan hai, ismein policyholder ko LIC ke profits mein hissa milta hai. Yeh hissa Bonuses ki form mein milta hai.
Simple Reversionary Bonus (SRB): Yeh bonus har saal LIC ke performance ke hisaab se declare hota hai aur maturity tak jama hota rehta hai.
Final Additional Bonus (FAB): Yeh bonus policy term ke aakhir mein ya death claim par ek extra amount ke roop mein diya jaata hai.
4. Savings aur Protection Ka Combination:
Yeh plan doहरे fayde deta hai:
Protection: Policy term ke dauraan death hone par family ko financial security.
Savings/Investment: Policy term pura hone par ek lump sum amount (Maturity Benefit).
Eligibility Criteria (पात्रता मापदंड)
| Parameter | Minimum | Maximum |
| Entry Age | 90 Din (Completed) | 65 Saal (Nearest Birthday) |
| Maturity Age | 18 Saal (Completed) | 75 Saal (Nearest Birthday) |
| Policy Term (PT) | 10 Saal | 25 Saal |
| Minimum Basic Sum Assured (BSA) | ₹50,000/- | No Limit |
| Premium Payment Mode | Single Premium Only | – |
Policy Benefits (पॉलिसी के फायदे)
A. Maturity Benefit (परिपक्वता लाभ)
Agar policyholder poore policy term tak zinda rehta hai, toh maturity par use Lump Sum Amount milta hai:
Yeh poora Maturity Amount (death benefit ki tarah) Income Tax ke Section 10(10D) ke under tax-free hota hai (Tax laws ke anusaar).
B. Death Benefit (मृत्यु लाभ)
Agar policy term ke dauraan Life Assured ki death ho jaati hai (jabki policy active ho), toh Nominee ko Death Benefit milta hai. Death Benefit is baat par depend karta hai ki death ‘Date of Commencement of Risk’ se pehle hui ya baad mein.
Death ‘Date of Commencement of Risk’ ke baad:
$$\text{Death Benefit} = \text{“Sum Assured on Death”} + \text{Vested Simple Reversionary Bonuses} + \text{Final Additional Bonus (Agar koi ho)}$$Jahan “Sum Assured on Death” hamesha Single Premium ka 125% ya Basic Sum Assured in dono mein se zyada hota hai.
Death ‘Date of Commencement of Risk’ se pehle (Agar Age 8 Saal se kam ho):
Single Premium ki amount (taxes, extra premium aur rider premium, agar koi ho, ko chhodkar) refund kar di jaati hai.
C. Liquidity aur Loan Facility (कर्ज लेने की सुविधा)
Policy Loan: Is plan mein liquidity maintain karne ke liye loan facility uplabdh hai. Policyholder 1 saal poora hone ke baad policy ki surrender value ka kuch percentage loan ke roop mein le sakta hai.
Rebates for High Sum Assured (बड़ी बीमा राशि पर छूट)
Is plan mein high Basic Sum Assured choose karne par premium mein chhoot (rebate) milti hai, jisse aapka Single Premium aur kam ho jaata hai.
| Basic Sum Assured Range (in ₹) | Rebate (% of BSA) |
| 50,000 to 95,000 | Nil |
| 1,00,000 to 1,95,000 | 18% of Basic Sum Assured (BSA) |
| 2,00,000 to 2,95,000 | 25% of Basic Sum Assured (BSA) |
| 3,00,000 & Above | 30% of Basic Sum Assured (BSA) |
(Note: Actual rebate percentage LIC ke rules ke anusaar change ho sakte hain.)
Other Features (अन्य विशेषताएँ)
Surrender Value: Policy ko kabhi bhi surrender kiya ja sakta hai (premium payment ke baad).
Pehle Saal Surrender: Single Premium ka lagbhag 70% return milta hai.
Doosre Saal aur Uske Baad Surrender: Single Premium ka 90% plus vested bonuses.
Surrender value ki final calculation LIC ke rules par depend karti hai.
Optional Riders: Policyholder additional premium dekar is plan ke saath kuch optional riders (jaise Accidental Death and Disability Benefit Rider ya New Term Assurance Rider) le sakta hai, jisse life cover badhaya ja sake.
Tax Benefits: Premium payment Section 80C ke under tax deduction ke liye eligible ho sakta hai (policy ke rules ke anusaar), aur Death/Maturity Benefit Section 10(10D) ke under tax-free hote hain.
Single Premium Endowment Plan 917 Kyun Lena Chahiye?
LIC’s Single Premium Endowment Plan 917 un logon ke liye ek bahut accha plan hai:
Jo ek hi baar paisa invest karna chahte hain aur baar-baar premium payment se bachna chahte hain.
Jo guaranteed returns (Sum Assured + Bonus) aur safety chahte hain, bina market risk ke.
Jo ek fixed term ke baad lump sum amount ki planning kar rahe hain (jaise 10, 15 ya 20 saal).
Jinko tax saving ke saath-saath life cover bhi chahiye.
Yeh plan simple, secure aur high liquidity (loan facility ke through) provide karta hai, jisse yeh traditional savings aur protection ke liye ek reliable tool ban jaata hai.