life insurance policy in Hindi | life insurance kya hai | life insurance corporation of india
Best Insurance Policy in India 2022 | Family Insurance Plans 2022 | With Examples
Chaliye Dosto Baat Karte Hai Lic Jeevan Lakshya 933 Ke Bare Me Aur Pura Video Details Hindi Me Hai.
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I am Sukhwinder Singh
Queries Solved
1. Benefits can be used for girl child or boy child
2. How can we unsure our family future security
3. Age Bar
4. Minimum to Maximum Amount of Sum Assured
5. In case of Death
6. Maturity Amount and Bonus
7. Death Claim Amount
This is for both girl and boy, I haven’t seen any other Insurance Companies giving this powerful Family Finance Security Policy.
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Don’t underestimate the power feature of this policy
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When you sign this policy at that same time you have planned security for your children and family which is real Financial security, peoples earn money but one day they are going to became older. But here we are going to expose the claim about one of the biggest selling child and family policy
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Example :=
Rs, 10 Lakh Sum Assured.
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For Example.
We have Mr. Me. age 30 who wishes to buy this plan. He goes in for the plan with the following:
Sum Assured – Rs. 2,00,000
Term – 25 years
Premium Payment Term = 25 – 3 = 22 years
Based on these parameters, his annual premium is Rs. 8,645 + Taxes = Rs. 9,034. Here we have assumed the current tax rate of 4.5%.
Death Benefit
Scenario 1 : If Mr. Me. dies after 4 policy years.
In 4 years, he would have paid Rs. 36,136 as premiums. The Sum Assured of his plan is Rs. 2,00,000.
His nominee will get the following benefits:
• Annual Income Benefit of 10% of Sum Assured – Rs. 20,000. At the end of the 4th year, the nominee will get Rs. 20,000. This amount would be paid every year till the end of the 24th year.
• 110% of Sum Assured – Rs. 2,20,000. At the end of the 25th year the nominee will get Rs. 2,20,000
• Along with the Rs. 2,20,000 the Simple Reversionary Bonus which has accrued in the plan along with any Final Addition Bonus will also be paid to the nominee.
Scenario 2 : If Mr. Me. dies after 15 policy years
In 15 years, he would have paid Rs. 1,35,510 as premiums. The Sum Assured of his plan is Rs. 2,00,000.
His nominee will get the following benefits:
• Annual Income Benefit of 10% of Sum Assured – Rs. 20,000. At the end of the 15th year, the nominee will get Rs. 20,000. This amount would be paid every year till the end of the 24th year.
• 110% of Sum Assured – Rs. 2,20,000. At the end of the 25th year the nominee will get Rs. 2,20,000.
• Along with the Rs. 2,20,000 the Simple Reversionary Bonus which has accrued in the plan along with any Final Addition Bonus will also be paid to the nominee.
Maturity Benefit
Scenario 3 : If Mr. Me. survives till the end of the policy term of 25 years – Mr. Me. will get the Sum Assured + Simple Reversionary Bonus + Final Addition Bonus as declared.
Total Premiums Paid = Rs. 1,98,748
Sum Assured = Rs. 2,00,000
Let us assume that a Simple Reversionary Bonus of Rs. 49 per 1,000 Sum Assured. There is no guarantee that this will be the bonus rate for all years.
Simple Reversionary Bonus = 49 x 2,00,000 / 1,000 for 25 years = Rs. 2,45,000
Again, let us assume a Final Addition Bonus of Rs.
So Sumit will get Rs. 2,00,000 + Rs. 2,00,000 + Rs. 1,00,000 = Rs. 3,00,000
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