yova term

ज़रूर, main aapko LIC ke “Yuva Term Plan” (युवा टर्म प्लान – Plan No. 875 / UIN: 512N355V01) ka ek detail description lagbhag 1000 shabdon mein Hinglish mein deta hoon.

LIC’s Yuva Term Plan (युवा टर्म प्लान) – Plan No. 875: Pure Protection for the Youth

LIC’s Yuva Term Plan (Plan No. 875) Life Insurance Corporation of India (LIC) ka ek naya aur modern Non-Linked, Non-Participating, Individual, Pure Risk Premium Life Assurance Plan hai. Jaisa ki naam se pata chalta hai, yeh plan khaaskar young individuals (youth) ki zarooraton ko dhyan mein rakh kar design kiya gaya hai, jo kam umar mein hi high life cover lena chahte hain.

Yeh ek pure term insurance plan hai. Iska matlab hai ki agar policy term ke dauraan insured person ki death ho jaati hai, toh nominee ko bada lump sum amount milta hai. Agar policy term poora hone tak insured person zinda rehta hai, toh koi maturity benefit nahi milta hai (kyunki yeh ek pure risk plan hai).

Plan Ke Key Features (मुख्य विशेषताएँ)

1. Pure Risk Plan:

Yuva Term Plan ek pure protection plan hai. Ismein aapke premium ka bada hissa aapke life cover (risk) ke liye use hota hai, na ki investment ke liye. Isliye, iska premium traditional endowment plans se kaafi kam hota hai, aur aap kam paise mein bahut zyada cover le sakte hain.

2. Non-Linked & Non-Participating:

• Non-Linked: Iska performance stock market se connected nahi hai.

• Non-Participating: Ismein koi bonus ya LIC ke profits mein hissedari nahi milti. Jo Sum Assured policy shuru hone par decide hota hai, wahi guaranteed death benefit hota hai.

3. High Sum Assured (Bada Cover):

Is plan ko high cover ke liye banaya gaya hai, taki young working professionals apni family ke financial future ko theek se secure kar sakein.

• Minimum Basic Sum Assured: ₹50,00,000 (₹50 Lakh)

• Maximum Basic Sum Assured: ₹5,00,00,000 (₹5 Crore), lekin special cases mein इससे zyada bhi ho sakta hai (Underwriting rules ke anusaar).

4. Two Death Benefit Options (Death Benefit Chunne ki Azaadi):

Policyholder ke paas death benefit ke liye do options hote hain, jise policy lete samay choose karna hota hai:

• Option 1: Level Sum Assured: Poore policy term tak Sum Assured same (fixed) rehta hai.

• Option 2: Increasing Sum Assured: Is option mein Sum Assured samay ke saath badhta hai:

  • Pehle 5 policy years tak Sum Assured fixed rehta hai.

  • 6th policy year se lekar 15th policy year tak, Sum Assured har saal 10% se badhta hai (Basic Sum Assured ka).

  • 15th policy year ke baad, Sum Assured dobara fixed ho jaata hai aur woh Basic Sum Assured ka Double (200%) ho chuka hota hai.

5. Flexible Premium Payment Options:

Policyholder apni suvidha ke anusaar premium payment ka tareeka choose kar sakta hai:

• Regular Premium: Poore policy term tak premium bharna.

• Limited Premium: Premium payment term, policy term se kam hota hai (e.g., Policy term 25 saal, Premium payment term 10 ya 15 saal).

• Single Premium: Poore policy term ke liye premium sirf ek hi baar bharna.

Eligibility Criteria (पात्रता मापदंड)

Benefits (फायदे)

A. Death Benefit (मृत्यु लाभ)

Agar policy term ke dauraan insured person ki death ho jaati hai aur policy active hai, toh nominee ko Sum Assured on Death milta hai.

In dono values mein se jo bhi zyada hoga, woh nominee ko Lump Sum mein diya jaata hai.

Payment Options: Nominee ke paas Death Benefit ko Lump Sum mein lene ya phir Installments (किश्तें) mein lene ka option hota hai (5, 10, ya 15 saal ki kiston mein).

B. Maturity Benefit (परिपक्वता लाभ)

Chunki yeh ek pure term insurance plan hai:

Agar insured person policy term tak zinda rehta hai, toh koi paisa return nahi milta.

C. Special Rates aur Rebates

• Women ke Liye Special Rates: Female policyholders ke liye premium rates aksar kam hote hain.

• Non-Smokers ke Liye Discount: Tobacco/Non-Tobacco user ki category ke hisaab se premium rates mein antar hota hai, jisse non-smokers ko kam premium dena padta hai.

• High Sum Assured Discount: Zyada Sum Assured choose karne par premium mein discount milta hai.

D. Rider Benefits (Optional)

Policyholder extra premium dekar is plan ke saath do important riders (optional benefits) le sakta hai:

1. LIC’s Accidental Death and Disability Benefit Rider: Accident se death hone par extra amount, aur disability hone par premium maaf hone ka fayda.

2. LIC’s New Term Assurance Rider: Pure risk cover ko aur badhane ka option.

Tax Benefits (कर लाभ)

• Premium Payment: Premium jo pay kiya jaata hai, woh Income Tax ke Section 80C ke under tax deduction ke liye eligible ho sakta hai.

• Death Benefit Payout: Nominee ko milne wala Death Benefit Section 10(10D) ke under poori tarah se tax-free hota hai.

Yuva Term Plan Kyun Choose Karein?

Yuva Term Plan ko choose karne ke kuch khaas reasons:

1. Early-Age Protection: Kam umar mein (18 se 45 saal) high life cover lene ka mauka, jab premium sabse kam hota hai.

2. Affordability: Pure term plan hone ki wajah se, iska premium bahut kam hota hai, jisse young log bina budget bigaade bada cover le sakte hain.

3. Flexibility: Premium payment ke options (Regular, Limited, Single) aur Death Benefit ke options (Level ya Increasing Sum Assured) policyholder ko apni needs ke hisaab se plan customize karne ki azaadi dete hain.

Yuva Term Plan aur Digi Term Plan mein Difference

LIC ne isi tarah ka ek aur plan launch kiya hai jiska naam hai ‘Digi Term Plan’. Dono plans ke features aur benefits almost same hain, lekin main difference sales channel ka hai:

• Yuva Term Plan (875): Yeh plan offline (LIC agent, broker, etc.) ke through available hai.

• Digi Term Plan (876): Yeh plan online channel ke through milta hai, aur iska premium Yuva Term Plan se thoda kam ho sakta hai.

Conclusion:

LIC ka Yuva Term Plan ek powerful aur focused financial tool hai jo young generation ko unke initial career years mein hi minimal cost par maximal protection provide karta hai. Yeh plan ensure karta hai ki aapki family aapke na rehne par bhi apni financial needs ko poora kar sake. Agar aap ek young professional hain aur high cover, affordable premium, aur flexibility chahte hain, toh Yuva Term Plan aapke liye ek excellent choice ho sakta hai.

(Disclaimer: Koi bhi insurance policy lene se pehle, LIC ke official sales brochure aur policy document ko achhe se padhein aur kisi certified financial advisor se salah zaroor lein.)