Samridhi Plus features at glance:  

Benefits payable on death: In case of death of the policyholder when the risk cover is in full force, the nominee shall be eligible to get higher of Sum Assured under the Basic Plan and the Policyholder’s Fund Value as at the date of booking the liability.The policyholder’s Fund on death shall be determined at the prevailing NAV as on the date of booking of the liability.

Benefits payable on maturity: On the policyholder surviving at the end of policy term an amount equal to the Policyholder’s Fund Value based on the highest NAV over the first 100 months of the policy or the NAV as applicable at the end of the policy term, whichever is higher, shall be payable.

Accident Benefit Rider Option: Accidental death of the Policyholder during the term of the policy, a sum equal to the Accident Benefit Sum Assured will become payable, provided the Accident benefit cover is opted for and is in force.

LIC’s Endowment Plus is a unit linked endowment plan. The features of the plan are mentioned below:

Premium Ceasing Age : 70 Premium Ceasing Term : 20

•  Double benefits of Insurance and Investment.
• Funds available under this plan are -Bond, Secured, Balanced and Growth fund.
• A policyholder can partially withdraw the units at any time after five policy years.
• Loan can be availed after completion of 3 policy years.
• Policy can be surrendered after completion of 5 years with no surrender charge.
• Premiums can be paid in yearly, half-yearly, quarterly and in monthly (ECS) installment OR in single

installment.

• Policyholder can switch between any fund types during the policy term. 4 switches will be

allowed free in a policy year.

• Policyholder has a option to enhance the risk cover by choosing the Double Accident benefit

rider and the Critical Illness Rider.

• On death of the policyholder, the nominee will be eligible to get higher of Sum assured (minus

partial withdrawal if any done during last two years) or the Fund value of units.

• In case of maturity the policyholder will get amount equal to the Fund value of the units.
• Enjoy tax benefit under section 80CCE.

LIC of India   LIC Pension Plus   LIC Endowment Plus   Health Protection Plus

LIC Pension Plus Features: You have a choice of investing your premiums in one of the two types of investment funds available. Premiums paid after deduction of allocation charge will purchase units of the Fund type chosen. The Unit Fund is subject to various charges and value of units may increase or decrease, depending on the Net Asset Value (NAV).

Premium Ceasing Age : 85       Premium Ceasing Term : 61

Plan Highlights

LIC’s Pension Plus is a unique ULIP plan where the minimum rate of interest is guaranteed. This plan is excellent investment towards essential long term financial planning.

Pension Plus is in compliance with the current IRDA norms. Pension Plus is truly an innovative plan that suits your needs just too perfectly.

The features of the LIC Pension Plus plan are mentioned below:

• A unique Unit Linked Pension Plan with guarantee on the minimum rate of interest.
• Rate of Interest applied to gross premium.
• Being Market Linked, the plan has possibility of getting excellent returns.
• Due to minimum interest guarantee, you are protected against fluctuation of interest due to policies of the government in the distant future.
• Choose any one of the 2 funds i.e. Debt (Low Risk) & Mixed (Medium Risk)
• Free switching between funds two times every year and at a very nominal fee thereafter.
• Top-ups facility – additional premium can be paid at anytime to invest in the funds with no upper limit.
• Benefit on Maturity :

1. Annuity purchased from Fund Value or Guaranteed Maturity Proceeds whichever is higher.
2. Option to commute 1/3rd. of the Maturity Proceeds.

• Compulsory purchase of Annuity ensures channelisation of funds for specific purpose.
• Benefit on death – Fund Value. Nominee has the option to receive the amount in lump Sum or as Annuity.
• Convenient modes of payment, Single Premium mode also available.
• No surrender charges will be imposed after 5 yrs.

 1. Payment of Premiums: You may pay premiums regularly at yearly, half-yearly or   quarterly or monthly (through ECS mode only) intervals over the term of the policy. Alternatively, a Single premium can be paid.  

A grace period of 30 days will be allowed for payment of yearly or half-yearly or quarterly premiums and 15 days for monthly (through ECS) premiums.

2.Eligibility Conditions And Other Restrictions:
a) MinimumEntryAge- 18 years (last birthday)
b)  Maximum Entry Age – 75 years (nearest birthday)
c)  Minimum Vesting Age  – 40 years (completed)
d)  Maximum Vesting Age -  85 years (nearest birthday)
e)  Minimum Deferment Term  -  10 years
f)   Sum Assured – NIL
g)  Minimum Premium -
Regular premium (other than monthly (ECS) mode) : Rs. [15,000] p.a.
Regular premium (for monthly (ECS) mode) : Rs. [1,500] p.m. 
Single premium:  Rs. [30,000] 
h)  Maximum Premium -
Regular premium : Rs. [1,00,000] p.a.
Single premium: No Limit  

Annualized Premiums shall be payable in multiple of Rs. 1,000 for other than ECS monthly. For monthly (ECS), the premium shall be in multiples of Rs. 250/-.

1.Investment of Funds: The plan offers following two funds detailed below:

The Policyholder has the option to choose any ONE out of the above 2 funds.

Contact us for Investment or Purchase a New Latest LIC New Pension Plus Product of 2010.

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LIC of India   LIC Pension Plus   LIC Endowment Plus   Health Protection Plus

Health Protection Plus (Plan 902): In detail.

The worst nightmare that anyone can have is the one when a family member is hospitalized. Today, when everything is uncertain nobody can be sure what will happen. A seemingly small ailment can turn into major one. And what happens when the earning member of your family is hospitalized?  The family goes through the trauma of a loved one being hospitalized as well as an increased financial burden. There are hospitalization expenses, doctors fees and various tests to be carried out.. Meanwhile the patient loses out on his earning for being away from work, and a dismayed and worried family begins to feel the anxiety of the financial implications. But with a policy from LIC you and your family can rest assured!

LIC’s Health Protection Plus is unit linked Health Insurance plan which provides for insurance cover against following health risks:

• Hospital Cash Benefit (HCB)
• Major Surgical Benefit (MSB)

 Provision for reimbursement of domiciliary treatment expenses

 Eligible for a person (the Principle Insured (PI)) aged between 18 and 55 covering himself / herself. The spouse and/or dependent children may also be covered under the policy

 Premiums can be paid regularly either in yearly or half yearly or monthly (through ECS only) installments

 Provision to increase premiums in multiples of Rs. 500/-. Under the plan if a request is received from the PI in writing

 Benefits payable on Hospitalization:

If PI or any of the Insured lives covered under the policy is hospitalized due to Accidental Body Injury or Sickness, an amount equal to the daily Hospital Cash Benefit, available under the policy during that policy year, shall be payable subject to terms and conditions.

The amount of Daily Benefit will increase at each policy anniversary by 5% of the Initial Daily Benefit till it reaches a maximum of 1.5 times the Initial Daily Benefit

Major Surgical Benefit:

In the event of PI or any of the Insured lives covered under the policy, due to medical necessity, undergoing any of the surgeries defined, the respective benefit percentage of the Major Surgical benefit Sum Assured, as specified against each of the eligible surgeries mentioned, shall be payable subject to terms. This benefit will remain fixed and there shall not be any increases in subsequent years.

 Domiciliary Treatment Benefit :

If at least 3 years’ premiums have been paid, an amount shall be payable out of Policy Fund equal to the actual amount spent to meet any domiciliary treatment expenses or any other medical expenses over and above those paid through hospital cash/ surgical benefits incurred in respect of PI or any of the other Insured lives at any time, subject to all the following conditions being satisfied for each payment:

• claimed amount is atleast Rs. 2,500 ;
• maximum amount that can be paid shall be 50% of the Policy Fund at the date of payment;
• minimum balance of one annualized premium left in the Policy Fund after making the payment.

Premium amount paid upto Rs. 15000/- p.a .is eligible for tax exemption under SEC 80 D of the Income Tax Act.

LIC of India   LIC Pension Plus   LIC Endowment Plus   Health Protection Plus

Benefits:

· Custom Individual Risk Cover: Option to choose separate amount of risk cover for your self & your spouse
· Combined Risk Cover up to 30 times of the annualized premium can be opted.
· Premium payment modes: Single, Yearly, Half yearly, Quarterly or Monthly (ECS).
· Top-up premium option available.
· Choose your investment risk by investing in any of the 4 funds – BOND, SECURED, BALANCED or GROWTH
· 4 FREE fund switches in a year & there after with nominal charges.
· Liquidity: Partial Withdrawal option available.
· Premium Waiver Benefit: In event of Proposer’s (PLA) death, future premiums are waived & an amount equal to all future premiums is added to fund.
· Auto Cover option available after 3 years
· Settlement option: Maturity benefit can be taken in lump sum or in installments (Half-yearly or Yearly).

Terms and condition:

Minimum Premium:
Regular Premium Policies:
o Rs.10, 000 p.a. (other than monthly (ECS) mode), increasing thereafter in multiples of Rs. 1, 000.
o Rs.1, 000 p.m. for monthly (ECS) mode, increasing thereafter in multiples of Rs. 250.
Single Premium Policies: Rs. 40,000, increasing thereafter in multiples of Rs. 1,000.

No Limit for Maximum premium

Minimum Sum Assured:

Regular premium policies: 5 times the annualized premium for each of Principal Life Assured and Spouse Life assured.
Single premium policies: 1.25 times the single premium for each of Principal Life assured and Spouse Life assured.

Maximum Sum Assured:
· Inclusive of both Principal Life Assured and Spouse Life assured
Regular premium policies:
o 30 times the annualized premium if age at entry for both the lives is upto 40 years
o 20 times the annualized premium if age at entry for any one of the lives is 41 years and above

· Single premium policies:
o 5 times the single premium if age at entry for both the lives is upto 40 years
o 2.5 times the single premium if age at entry for any one of the lives is 41 years and above

Further the sum assured for the spouse shall be less than or equal to the sum assured of P.L.A. subject to the minimum sum assured condition.
The Sum Assured shall be available in multiples of Rs. 5,000. Where the minimum Sum
Assured is not in the multiples of Rs. 5,000 it will be rounded off to the next multiple of Rs. 5,000. To the extent of rounding off, the maximum Sum Assured condition shall not be applicable. Flexibility to increase/ decrease premium & withdraw money according to your needs. Save Tax upto Rs.33390.

Check todays latest Value of LIC Jeevan Saathi NAV Click here.

 FAQ’s on Life Insurance here.

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Contact us for free quotes, Charts, Reviews, Presentations, Calculations, Combinations, on LIC’s New Jeevan Saathi Plus ULIP Life Insurance Policy. Our LIC of India’s Authorised Agent/ Insurance Advisor consultant will online councilling/ Contact you within 24 hrs.

Premium Ceasing Age : 75 Premium Ceasing Term : 0

Features: Flexibility to increase/ decrease premium & withdraw money according to your needs. Save Tax upto Rs.33390.

Benefits Payable on Death.
1. On death of Life Assured, if the child is alive.
a) Sum Assured shall be payable to the nominee.
b) Payable of all future premiums due under the policy shall be waived.
c) Units equivalent to an amount equal to all future premiums including
outstanding premiums, if any shall be credited to the policy holder fund.
d) The policy shall continue

2. On death of Life Assured, if the child is alive:
If less than 3 years premium have been paid and the policy is in lapsed condition, the Policy holder Fund Value shall become payable to the nominee and the policy will terminate.

3. On death of Life Assured, after the death of the child:
Sum Assured plus policy holder fund value together will an amount equal to all future premium including outstanding premiums, if any shall be payable to the nominee/legal heir, as the case may be, at that time and the policy shall terminate.

This shall also be applicable in case of simultaneous death of assured and child nominee.

4. On death of child before life assured death:
The policy will continue till maturity of till the life assured survives, whichever is earlier.

5. On death of child after life assured death:
An amount equal to the Fund Value of units shall be payable to the legal heir of assured and the policy shall terminate.
Maturity Benefits:

On the policyholder surviving up to the date of vesting, the Policyholder will get Fund value.

 Write us for typical calculation, charts, reviews, presentations or plan detail free online here. Our LIC Agent/ Advisor will contact u within 24 hrs & get free best maturity benefit charts for your all policy in a single report..

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For Getting Today’s Latest Child Fortune Plus -1 LIC NAV Cick here.

Premium Ceasing Age : 65 Premium Ceasing Term : 20
Plan Highlights :
For only those, interested in making a Fortune of a Lifetime!!!
LIC’s Fortune Plus, a Unit Linked Limited Endowment plan, (ULIP+Endowment) which provides twin benefits of insurance and capital market return. Brief stint with premium liability and longer period to stay invested makes it a worthy of note. It has entire range of fund options to accommodate both risk averse and aggressive investors. This plan has been designed to ensure that your money earns you handsome returns. Thus with a host of innovative options placed in front of you, Fortune Plus is definitely the right kind of insurance solution you could aim at.
An investment plan where you pay premiums only for 5 years.
Premium amount reduces to 25% after first year.
Policy term or first yearTs annual premium determines your sum assured.
No limit for maximum premium
Premium can be paid in yearly, half yearly, quarterly and monthly (ECS) installments.
Minimum and Maximum age to purchase policy under this plan is 12 and 60 years respectively.
You can choose policy term between 5 to 20 years.
Funds available under this plan are: Bond, Secured, Balanced and Growth.
Policyholder can switch between any fund types during the policy term. 4 switches will be
allowed free.
Flexibility of partially withdrawing the units after 3 policy years.
In case of maturity the policyholder will get an amount equal to the value of the units. In case of death the policyholder is eligible to get higher of sum assured or the value of the
units.
Maturity returns can be amplified by exercising Settlement Option wherein the
policyholder can encash the units in regular installments.
If premiums are not paid after paying at least 3 years premium then also the policyholder
enjoys life cover and accident benefit (only if opted) subjected to conditions.
Accident benefit rider option can be availed under this plan
Enjoy tax benefit under section 8OCCE. Great mixture of ULIP+Endowment Insurance Plan. Flexibility to increase/ decrease premium & withdraw money according to your needs. Save Tax upto Rs.33390.

Today’s Latest Fortune Plus Current LIC NAV Click here.

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Contact us for free charts, calculations, best combinations presentations example/ illustrations on various quotes/ reviews on LIC’s New Fortune Plus ULIP Life Insurance Policy. Our LIC of India’s Authorised Agent/ Insurance Advisor will Contact you within 24 hrs.

 Find here Our Most Popular LIC ULIP Policies Features/ Benefits:

• LIC Pension Plus
• LIC Endowment Plus
• Health Protection Plus

Other than above LIC Unit Plans are as under LIC Withdrwan Plan.

Get Todays Latest Unit Plans NAV Click here.

Ask to our Authorised Experts Insurance Consultant/ Agent for Detail Charts/ Presentations/ Examples/ Illustrations/ Reviews New Latest Plans Various kind of options availble in this Plan. Write your Reviews or compare equity based plans with any other private insurance company online here. Ask for NAV history or data.

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