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Lic New Jeevan Anand Plan Table No 815
 

Lic New Jeevan Anand Plan Table No 815

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  • Hi,
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    Lic New Jeevan Anand Plan Table No 815 Lic New Jeevan Anand Plan Table No 815 Presentation Transcript

    • LIC’s NEW JEEVAN ANAND PLAN Plan No. 815
    • LIC’s New Jeevan Anand Plan– Benefits Jeevan Anand Plan No. 149 New Jeevan Anand Plan No. 815 Maturity Benefit Maturity Benefit Basic Sum Assured along with Basic Sum Assured along with Vested Simple Reversionary Bonuses Vested Simple Reversionary Bonuses and and Final Additional Bonus, if Any. Final Additional Bonus, if Any Death Benefit During the policy term Modification‘Sum Assured on Death' instead of BSA Death Benefit During the policy term Basic Sum Assured(BSA) along ‘Sum Assured on Death’ along with Vested Simple Reversionary with Vested Simple Reversionary Bonuses and Bonuses and Final Additional Bonus, if any. Final Additional Bonus, if any. After expiry of policy term After expiry of policy term Basic Sum Assured Basic Sum Assured
    • LIC’s New Jeevan Anand Plan– Benefits What is Sum Assured on Death? Sum Assured on Death shall be Higher of ~ 125% of Basic Sum Assured (1.25 x BSA) OR 10 times Annual Premium.(10 x AP). ≈≈≈≈ The death benefit as defined above shall not be less than 105% of total premiums* paid as on the date of death . [*excluding taxes, extra premiums and premiums for riders, if any]
    • LIC’s New Jeevan Anand Plan– Eligibility Conditions and Restrictions Particulars Jeevan Anand Plan No. 149 New Jeevan Anand Plan No. 815 Age at entry 18 to 65 years 18 to 50 years Age at Maturity Maximum 75 years Maximum 75 Years Policy Term 5 to 57 years 15 to 35 years Premium mode Yearly, Half-yearly, Quarterly, Monthly (SSS or ECS) Yearly, Half-yearly, Quarterly, Monthly (SSS or ECS) Basic Sum Assured 100000 and above 100000 and above ( In multiples of 5000) Maximu m Age at entry reduced. Policy term modified
    • LIC’s New Jeevan Anand Plan– Rebates Rebate Mode Rate modified Plan 149 Plan No. 815 Yearly 3% of tabular Premium 2% of tabular premium Half-yearly 1.5% of tabular premium 1% of tabular premium Quarterly Nil Nil Slab & Rate modified Plan No 149 Jeevan Anand Plan No. 815 New Jeevan Anand Basic Sum Assured Rebate (Rs.) Basic Sum Assured Rebate (Rs.) 10,00,000 and above 1.75‰ BSA 10,00,000 and above 3.00‰ BSA 5,00,000 to 9,95,000 1.50‰ BSA 5,00,000 to 9,95,000 2.50‰ BSA 3,00,000 to 4,95,000 1.00‰ BSA 2,00,000 to 4,95,000 1.50‰ 1,00,000 to 2,95,000 Nil 1,00,000 to 1,95,000 Nil
    • LIC’s New Jeevan Anand Plan– Loan Jeevan Anand Plan No. 149 New Jeevan Anand Plan No.815 Available after payment of 3 full Available after payment of 3 full years premiums. years premiums. Loan granted shall be 90% of the The maximum amount of loan that Surrender Value in case of inforce can be granted as a percentage of policies and 85% of the Surrender Surrender Value shall depend on the Value in case of Paid-up policies Policy Term, as given in the table irrespective of the policy term. below. Foreclosure action was initiated on Foreclosure action shall not be taken default of 2 or more half-yearly loan under fully paid-up and inforce interest installments. policies even if there is a default of loan interest. Policy Term Upto 23 24 to 27 28 to 31 32 to 35 % for inforce policies 90% 80% 70% 60% % for Paid-up policies 80% 70% 60% 50% % of loan modified
    • LIC’s New Jeevan Anand Plan– Surrender Value Plan No.149 Plan No. 815 Guaranteed Surrender Value (GSV) Guaranteed Surrender Value (GSV) Available after payment of 3 full years premiums. Available after payment of 3 full years premiums. GSV shall be equal to 30% of the total premiums paid less First Year Premium and extra premium, if any. GSV shall be a percentage of total premiums paid (net of taxes) excluding extra premium, if any and premium paid for riders,if opted for. Examples of GSV factors applicable for total premiums paid Policy Year ~ GSV factor 3 = 30% 5 = 50% t -1 = 80% (t=Policy Term) GSV % modified Cash Value of vested bonuses, if any. Bonus Payable modified No Change GSV factor applicable to vested bonus,if any. Examples of Vested bonus factors – Year of SV – Policy Term – Factor 3 15 17.66% 19 25 20.85% 29 30 30%
    • LIC’s New Jeevan Anand Plan– Surrender Value No change in SSV Jeevan Anand Plan No. 149 New Jeevan Ananad Plan 815 Special Surrender Value (SSV) Special Surrender Value (SSV) Surrender Value shall be the discounted value of the Paid-up Sum Assured and vested simple reversionary bonuses. Surrender Value shall be the discounted value of the Paid-up Sum Assured and vested simple reversionary bonuses. The discount factors shall be surrender value factors as provided in Table-1A and 2A(whole life) of the Special Surrender Value Booklet and will depend upon the policy term and duration elapsed since the commencement of the policy. The discount factors shall be Special surrender value factors as provided in Table-1A and 2A(Whole life) of the Special Surrender Value Booklet and will depend upon the policy term and duration elapsed since the commencement of the policy. Surrender Value Payable Surrender Value payable The Higher of Guaranteed Surrender Value and Special Surrender Value shall be payable. The Higher of Guaranteed Surrender Value and Special Surrender Value shall be payable.
    • LIC’s New Jeevan Anand Plan Jeevan Anand Plan No. 149 New Jeevan Anand Plan No. 815 A Policy may be revived within a period of 5 years from the date of first unpaid premium. A Policy may be revived within a period of 2 years from the date of first unpaid premium. Accident Benefit inbuilt. Accident Benefit as a rider. Taxes, if any , were borne by the corporation. Taxes, if any, shall be applicable at the prevailing rates and borne by the policyholder as per rules. There shall be no change in the following Items Back Dating Grace Period Paid-up Value Assignment/Nomination