Search for LIC Policy 18


18 thoughts on “Search for LIC Policy

  1. Reply unkown Mar 28,2014 5:07 AM

    can you plz tell me which is the best policy for monthly saving?

  2. Reply Keshav Aug 31,2014 5:47 AM

    Does this policy has 80C benefit?

  3. Reply priya garg Nov 14,2014 3:50 AM

    i want the complete information about table no 814. its plan n all

    • Reply NAVINCHANDRA Dec 12,2014 5:08 PM

      The death benefit as defined above shall not be less than 105% of total premiums* paid as on the date of death.

      What is Sum Assured on Death?

      Sum Assured on Death shall be Higher of ~ Basic Sum Assured (BSA)

      OR 10 times Annualised Premium.(10 x AP).

      [*The premiums mentioned in death benefit are excluding taxes, extra premiums and premiums for riders, if any]

      Eligibility Conditions and Restrictions

      Age at entry – 8 to 55 years
      Age at Maturity – Maximum 75 Years
      Policy Term – 12 to 35 years
      Premium mode – Yearly, Half-yearly, Quarterly, Monthly (SSS or ECS)
      Basic Sum Assured – 100000 and above

      Loan – Available after payment of 3 full years premiums.

      The maximum amount of loan that can be granted as a percentage of Surrender Value shall depend on the Policy Term.

      Foreclosure action shall not be taken under fully paid-up and inforce policies even if there is default of loan interest.

      Guaranteed Surrender Value (GSV) – Available after payment of 3 full years premiums.

      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 factor applicable to vested bonus,if any. Examples of Vested bonus factors –

      Surrender Value shall be the discounted value of the Paid-up Sum Assured and vested simple reversionary bonuses.

      Year of SV – Policy Term – Factor

      3 12 18.60%

      19 25 20.85%

      29 30 30%

      ( In multiples of 5000)

      Special Surrender Value (SSV) – The discount factors shall be surrender value factors as provided in Table-1A 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 – The Higher of Guaranteed Surrender Value and Special Surrender Value shall be payable.

      LIC’s New Endowment Plan 814 – Changes over Table No.14

      Sum Assured on Death’ has been defined separately
      Age at entry has been reduced.
      Percentage of Loan payable as a percentage of Surrender Value shall depend upon policy term.
      GSV percentage shall also depend on policy term and year of Surrender
      Rebates for high SA and premium mode modified.

  4. Reply Aadish Mar 10,2015 4:57 PM

    If premium is 13,000 yearly in table no 814 for 12 years when sum insured is 2,00,000.
    What would we get after 16 years ?

  5. Reply kalpesh May 6,2015 9:40 AM

    any one give me best single premium plan which give higher return …and bonus benefit.

  6. Reply kalpesh May 6,2015 9:42 AM

    single premium plan

  7. Reply lic plan no.834 radirekner May 19,2015 5:04 PM

    lic new plan no. 834 radirekner sand me

  8. Reply James Aug 4,2015 9:34 AM

    Shall I get a best plan based on a single premium amount with good returns as well

  9. Reply Shafath Aug 13,2015 2:39 PM

    I need a yearly plan for 5 years, which is the best

  10. Reply SHIV KUMAR MISHRA Nov 6,2015 12:52 PM

    i have deceided to insure lic policy. please tell me what is the best one of lic plan my age was 25. my husband age is 32 what is the best plan of LIC?

  11. Reply Krishna Dec 20,2016 6:08 AM

    I want complete information of table 821. If monthly instalment is 2867.50.

  12. Reply Sangeet Jan 16,2017 3:50 PM

    Mere bete ki age 16 year hai 15 year ki policy bataYe jissme kam se kam 2000000 ki return mil sake

  13. Reply Ravinder Apr 21,2017 4:06 PM

    For any lic query you can call on +919464325018. Ravinder

  14. Reply Cdr. Varma May 28,2017 5:11 AM

    What are the existing & expected LIC plans for people in the age groups above 70, please?

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