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JEEVAN AADHAR
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The
plan has been designed to assure a handicapped
dependant to have a secured life.
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Benefits
can be availed of only in the event of death
of life assured.
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In
the event of the death of the life assured,
the benefits are payable partly in lump sum
and partly in the form of an annuity to the
handicapped through a nominee or a trustee.
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The
policy is a whole life plan with limited premiums.
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Premium
paying terms are 10, 15, 20, 25, 30 and 35
years.
Benefits
On Death of
Life Assured
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20%
of the Notional Sum Assured is paid immediately
to the nominee.
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The
remaining 80% of the Notional sum assured
is utilized to provide an annuity certain
for 15 years and life thereafter of the handicapped
dependant. The actual Annuity is calculated
at the time of claim.
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Notional
Sum Assured: Basic sum assured + Guaranteed
Additions + Terminal Addition.
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Guaranteed
Additions: Guaranteed additions of Rs.100
per Rs. 1000 sum assured, for each completed
policy year for which the policy was in full
force. Such guaranteed additions will accrue
up to age 65 years or till the life assured
death, whichever is earlier.
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Terminal
Addition: Payable only if 10 years' premiums
have been paid and policy is in force. Amount
payable on death of life assured depends on
the rates declared by LIC on favorable working
experience.
Handicapped
dependant pre-deceasing the life assured
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Minimum
sum assured: Rs. 50000.
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Minimum
premium must be Rs.800 per annum
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Minimum
age at entry: 22 years.
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Maximum
age at entry : 60 years.
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Maximum
premium ceasing age: 70 years.
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No
surrender value is allowed.
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No
loan is granted on this policy.
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The
proposer has to submit an addendum to proposal
declaring the disability of the handicapped
duly Certified by a government doctor and
can claim separate relief under section 80
DDA of IT Act 1961.
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Premiums
are based on the age of the handicapped dependant
as well as the life assured.
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Handicapped
dependant is defined.
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Any
amount paid to the life assured on the dependant
pre-deceasing life assured the same is treated
as income of the assessee and hence taxable.
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Contact Us
1) If you want to Buy New Insurance Policies than
call 9422553400 (Pune)
2) If you need a detailed quotation from us as to how much insurance you
should really go for. Click here
3) If you have a previous life insurance policy and want servicing for the
same. Click here
4) Contact us on email: gulwe@licagent.biz
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Lic Agents
In areas: (Life Insurance Corporation India) |
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Pimpri |
bhosari |
khopoli |
beed |
amravati |
deccan |
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bhosari |
mumbai |
aundh |
ahmednagar |
khed |
chakan |
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pirangut |
chakan |
mumbai |
kolhapur |
midc |
jalgaon |
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pune |
hadapsar |
nashik |
lonawala |
ranjangaon |
aurangabad |
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chinchwad |
wakad |
sangli |
ahmednagar |
hinjewadi |
dhule |
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talegaon |
pmt pcmc |
nagpur |
aurangabad |
solapur |
wai satara |
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kalyan |
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vashi |
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panvel |
thane |
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Lic india, Lic
policy, Lic investment, lic for child, lic policy mumbai, lic agent, lic in
pune, agent for lic, NRI Lic, lic investment, Lic for NRI, Lic for Foreign
nationals, LIC INDIA, Lic policies, Lic in remote area, Lic premium payment,
NRI Investments, Lic help, Lic for all ages, Investment, Loans against
Insurance, Save Tax, Lic in india, Lic in pune, Lic Health Insurance, Lic
policy service, Lic policy servicing. |
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Lic Plans
