Limits                 Term         Age            Sum Assured

Minimum          10               12               62500

Maximum          35              60               No Limit

Premium Ceasing Age : 70         Premium Ceasing Term : 0
Table no 165  Plan Highlights
Cheapest LIC’s New Jeevan Saral Monthly Recurring Type Saving Schemes/ Plan Life Insurance is a unique plan having good features of the conventional plans and the flexibility of unit linked plans. To the policyholder it provides -
Higher Cover,
smooth returns,
liquidity and
a lot of flexibility Savings
BENEFITS:
On Death:
250 times the monthly premium, plus
return of premiums excluding extra/rider premium and first year premium, plus the loyalty addition, if any. ATM Facility avail.
On Maturity:
Maturity sum assured, plus
The Loyalty Additions, if any
SPECIAL FEATURES:
High risk cover at low premium
Extended risk cover for one year after 3 years premium payment.
Optional higher cover through Term Riders
The policyholder can choose a maximum term but can surrender at any time without any
surrender penalty or loss after 5 years
Any number of withdrawals through partial surrendering
OTHER ELIGIBILITY CONDITIONS:
Premium : Minimum premium of Rs.250/- per month for entry age upto 49 years. and Rs.400/- per month for entry age 50 years and above.
No Limit for the maximum premium per month.
Mode : Yearly, Half-yearly, Quarterly and Monthly under Salary Saving Scheme
In case of term rider, minimum and maximum age at entry will be 18 and 50 years respectively.
Further minimum sum assured will be Rs.1 lakh. Flexibility to increase/ decrease premium & withdraw money according to your needs. Save Tax upto Rs.33390.The Best and Most Popular and most sellable Product/ Policy of LIC is Jeevan Saral.

You will make Comparision Betweem Post Rd Acoount V/s  LIC Jeevan Saral.

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Contact us for free Examples quotes review/ Charts/ calculations/ Plan Presentations etc on LIC’s New Jeevan Saral Monthly Recurring Type Schemes ATM Plan Life Insurance policy. Our LIC of India Authorised Agent/ Insurance Advisor/Consultant will Contact you within 24 hrs. Learn here how to earn maximum return on your investment. Systematic Withdrwal and Systematic Investment means SIP and SWP both the benefits are available in LIC Jeevan Saral Plan Brochure.

Premium Ceasing Age : 75 Premium Ceasing Term : 1

Plan Highlights
Single Premium for Sum Assured ranging from Rs.25,000/- to Rs.50,00,000/-.
Premium Rates : Single premium per Rs.1000/- Aum Assured will be Rs.952/- for 5 year term and Rs.863/-
for 10 year term for all ages at entry.
High Premium Rebate :
The following rebates in premium is proposed for high levels of premium
1% of basic premium on the premium in excess of Rs. 25,000/-
1.5% of basic premium on the premium in excess of Rs. 50,000/-
2% of basic premium on the premium in excess of Rs. 2,00,000/-
Contributions are eligible for tax exemption under Section 88 of the IT Act.
BENEFITS :
1. ON MATURITY :-
The sum assured along with the guaranteed additions and loyalty
additions, if any, will be paid on the expiry of the stipulated term.
2. COMPOUNDED GUARANTEED ADDITIONS :
There will be Guaranteed Additions at compound rate of Rs. 60 per thousand p.a. for policy with five years
term and Rs. 65 per thousand p.a. for policy with 10 years term.
In other words, the Guaranteed addition at the end of each policy year will be based on the basic Sum
Assured and accrued Guaranteed Addition at the rates mentioned.
3. ON EARLIER DEATH:
Sum assured along with accrued garunteed additions will be payable.If Term Assurance Rider has been
taken, then the Term Assurance Sum Assured is also payable in addition.
4. LOYALTY ADDITION :
Depending upon the Corporation’s experience with regard to interest and expenses and based on terms of
policy, loyalty addition maybe paid on maturity.
On the Life assured surviving the stipulated date of maturity, Loyalty Additions may be paid at such rates and
on such terms as may be declared by the Corporation.
5. TERM ASSURANCE RIDER:
A Term Assurance Rider benefit payable by a single premium will be available at the choice of the proposer.
The restrictions and eligibility conditions are:
Minimum Sum Assured Rs. 50,000/-
Maximum Sum Assured: Twice the Basic Sum Assured on the plan subject to a maximum of Rs. 5,00,000/-
Minimum Age at entry : 18 years completed
Maximum Age at entry : 50 years.

Contact us for free quotes on LIC’s New Bima Nivesh Life Insurance Policy. Our LIC of India’s Authorised Agent/ Insurance Advisor will Contact you within 24 hrs.

Jeevan Bharati (Plan No-160) withdrawn with effect from 30th July,2008 will now be available under Discontinued Plans

Plan No.192 Benefits:
a) Death Benefit
An amount equal to the Sum Assured under the basic plan along with Reversionary
Bonuses, and Final Addition Bonus, if any, will be payable.

b) Survival Benefits
Survival benefits will be payable 20% of Sum Assured at end 5th year during the Policy Term.

c) Maturity Benefit
For policy term of 15 years: 60% of the Sum Assured under the basic plan along with vested Reversionary Bonuses and Final Additional Bonus, if any, will be payable.

For policy term of 20 years: 40% of the Sum Assured under the basic plan along with vested Reversionary Bonuses and Final Additional Bonus, if any, will be payable.

Special Features

• Free Insurance Cover: Provided at least two years’ premiums have been paid under a policy, full death cover (irrespective of survival benefits payment made) will admissible for period of three years from the date of first unpaid premium.
• Encashment of survival benefits as and when needed: A policyholder can take the survival benefits on or after the due dates, but before the date of maturity.
• Accident and Disability Benefit (optional): Accident Benefit can be availed under this plan, subject to the payment of an additional premium of Re.1/- per thousand Sum Assured. This is inclusive of the maximum limit of Rs.50,00,000 placed under other life insurance plans taken from Life Insurance Corporation of India.
• Critical Illness Rider (Optional): Critical Illness Benefit is payable for any of the critical illness (as listed by LIC) occurrence during the rider term.
• Premium Waiver under Critical Illness (Optional): If opted will waive all the future premiums on the occurrence of the critical illness.
• Congenital Disabilities Benefit (CDB) (Optional):
  An amount equal to 50% of the Sum Assured (subject to a maximum of Rs 5 lakh) will be payable under the plan on the birth of the child with any one or more of the Congenital Disabilities listed below. This benefit is available for two children only and will not be payable if the birth of the child occurs after the proposer attains the age of 40 years. This benefit will be payable only if age at entry is upto age 35 years.

Downs Syndrome

• Downs Syndromew
• Tetralogy of fallotw
•  Spina Bifida
• Oesophageal Atresia & Tracheo-oesophageal Fistula
•  Cleft Palate with or without Cleft Lip
• Anal Atresia, Imperforate anus

Eligibility Conditions and Restrictions
Basic Plan
a) Minimum Sum Assured : Rs.50,000/-
b) Maximum Sum Assured : Rs 25,00,000/-
c) Minimum age at entry : 18 years completed.
d) Maximum age at entry : 55 years nearest birthday
e) Maximum age at maturity : 70 years nearest birthday
f) Policy Term : 15 & 20 years
The Sum Assured shall be in multiples of Rs. 5,000

Accident Benefit Rider:
a) Minimum Sum Assured : Rs. 50,000
b) Maximum Sum Assured : An amount equal to the Sum Assured under the
Basic Plan subject to the maximum of Rs.50 lakh overall limit considering the
Accident Benefit Sum Assured in respect of all existing
The Sum Assured shall be in multiples of Rs. 5,000.
c) Minimum Entry Age : 18 years completed
d) Maximum Entry Age : 55 years nearest Birthday
e) Policy Term : 15 & 20 years
f) Maximum Maturity Age : 70 years nearest Birthday

Critical Illness Rider
a) Minimum Sum Assured : Rs. 50,000
b) Maximum Sum Assured : An amount equal to Critical Illness Rider Sum Assured subject to the maximum of Rs.5 lakh overall limit taking all critical illness riders under all existing policies of the life assured and the critical illness rider option under the new proposal into consideration.
The Sum Assured shall be in multiples of Rs.10,000/-.
c) Minimum Entry Age : 18 years completed
d) Maximum Entry Age : 50 years nearest Birthday
e) Policy Term : Same as basic plan or till age 60 years nearest birthday whichever is earlier.
f) Maximum Maturity Age : 60 years nearest Birthday

If PWB is opted for, then the term of the rider should be same as that of the term of the basic plan.
If PWB (under the Critical Illness Rider) is opted for, then the following
conditions apply:
(i) The term of all the riders opted for must be same as that of the basic plan.
(ii) The Sum Assured of all the riders opted for must be same as that of the
basic plan.

Congenital Disability Benefit Rider:
a) Minimum Sum Assured : Rs.50,000
b) Maximum Sum Assured : Rs 500,000
Rs.5 lakh is the maximum limit taking all Congenital Disability Benefit Rider
under all policies of the life assured including the new proposal into
consideration.
c) Minimum Entry Age : 18 years completed
d) Maximum Entry Age : 35 years nearest birthday
e) Maximum Benefit Ceasing Age : 40 years nearest birthday
f) Terms allowed : Same as the basic plan or till age 40 years nearest birthday, whichever is earlier.
Sum Assured will be in multiples of Rs 5000 only.

Contact us for free quotes on LIC’s Jeevan Bharti Life Insurance Policy Charts Presentaions Options Reviews. Our LIC of India’s Authorised Agent/ Insurance Advisor/Consultant will Contact you within 24 hrs..

Here is the some LIC’s New Latest Special Plans.  Ask to our Authorised Experts to Invest your Money in this Schemes for getting higher/ highest earn return on your money. Insurance Consultant/ Agent for Detail Charts/ Presentations/ Examples/ Illustrations Various kind of options availble in this Plan how much money you will get on maturity. Write your Reviews or compare with any other private insurance company online here…

Special Plans:

• Jeevan Saral
• Bima Nivesh
• Jeevan Madhur
• Jeevan Mangal

Golden Jubilee Plan:

• New Bima Gold

Health Plans:

• Health Protection Plus

Compare LIC Special Plans – New Schemes – Latest Schemes – LIC Investment Plans Life Insurance Policy the LIC Premium Rates with other private sector Life Insurance Company or ask to our LIC Authorised lic Agent/ Investment Advisor/ Financial Consultant. Type your Business querry for lic’s Special Plans/ Schemes here