Welcome to Avdhoot Investment

indexThe World of Insurance, Investment & Finance is Avdhoot Investment i.e. Ahmedabad based Wealth Management Services says Life is full of uncertainties can be sure of your today but not about the unpredictable tomorrow. And hence, you toil hard all through life only to ensure that your family's tomorrow is secure, comfortable and relaxed. You want the best for your near and dear ones now and always. As your insurance agent trust me to guide you best through the right insurance plans for your family that not only take into account Your protection requirements but also the need for wealth at regular intervals only to ensure that you recieve the best out of life itself for. Taking invaluable products and services to customers' doorstep across Ahmedabad, Gujarat, India via our authorized agent.Online Portfolio

  • Avdhoot Investment is One-Stop Supermarket for Insurance, Investment & Financial Products Since 1996. You may Compare here or Apply Online to Buy/ Purchase or renew Policies here.
  • Delivering Life Insurance Products Like Endowment Plans, Whole Life Plans, Unit Linked Insurance Plans, Retirement Plans, Pension Plans, Child Plans, Investment Plans, Money Back Plans, Recurring Plans, Single Premium Policy etc. by Life Insurance Corporation of India (LIC of India).
  • Non-Life Insurance Products of Oriental Insurance, New India Assurance, National Insurance, United India Insurance, Bajaj Allianz General Insurance & many more companies Like Car Insurance, Personal Accident, Fire protection Insurance, Shop Keeper, Office Insurance, Workman Compansation Policy, Marine Insurance, Student Insurance, Visitors Insurance, Travel/Overseas Insurance, Health Insurance, Mediclaim etc.
  • We also provide New IPO/ FPO printed forms to regular customers. Know the Grey Market Premium here.
  • Attractive Interest Rates on Company Fixed Deposits compare to Bank Deposits.
  • Information of Small Saving Schemes by Government of India Post Office: KVP, NSC, MIS, PPF, Recurring (RD), Term Deposits, Senior Citizens Schemes.
  • Govt. of India Tax Saving Bonds, Infrastructure Bonds, REC Bonds, RBI Bonds etc.
  • Get Free Alerts vis SMS, Chat, Social Network and Email for Premium Reminders, Birthday, Anniversary, Maturity, New Products launching etc.

LIC’s JEEVAN UMANG (Table No. 845)

LIC’s Jeevan Umang is a non-linked, with Profits whole life assurance plan. This plan

provides for annual survival benefits from the end of the premium paying term till maturity and a

lumpsum payment at the time of maturity or on death of the policyholder during the policy term. This

plan will be launched on 16th May 2017. The unique identification Number (UIN) for this plan is



The benefits payable under this plan are as under:

  1. a) Death Benefit: –

1) On death before the commencement of Risk: –

On An amount, equal to the total amount of premiums paid without interest shall be payable.

2) On death after the commencement of Risk: –

Death Benefit, defined as sum of “Sum Assured on Death” and vested simple Revisionary Bonuses and

Final Addition Bonus, if any, shall be payable.

Where Sum Assured on Death” is defined as the highest of

-10 times of annualized premium; or

– Sum Assured on Maturity; or

– Absolute amount assured to be paid on death, i.e. Basic Sum Assured.

This death benefit shall not be less than 105% of all the premiums paid as on date of death.

  1. c) Survival Benefit: –

On the life assured surviving to the end of the premium paying term, provided all due premiums have

been paid, a survival benefit equal to 8% of Basic Sum Assured shall be payable each year.

  1. c) Maturity Benefit: –

On the life assured surviving to the end of the policy term, provided all due premiums have been paid,

“Sum Assured on Maturity” along with vested Simple Reversionary Bonuses and Final Addition Bonus,

if any, shall be payable.

Where “Sum Assured on Maturity” is equal to Basic Sum Assured.


The following four optional riders are available under this plan.

1) LIC’s Accidental Death and Disability Rider

2) LIC’s Accident Benefit Rider

3) LIC’s New Term Assurance Rider

4) LIC’s New Critical Illness Benefit Rider.

However policy holder can opt for LIC’s Accidental Death and Disability Rider or LIC’s Accident Benefit



1) Minimum Age at entry : 90 days (completed)

2) Maximum Age at entry : 55 years (nbd) for PPT = 15

: 50 years (nbd) for PPT = 20

: 45 years (nbd) for PPT = 25

: 40 years (nbd) for PPT = 30

3) Premium Paying Term : [15, 20, 25, 30] years

4) Minimum Age at the end of PPT : 30 years (nbd)

5) Maximum Age at the end of PPT : 70 years (nbd)

6) Age at Maturity : 100 years (nbd)

7) Policy Term : [100 – age at entry] years

8) Minimum Basic Sum Assured : Rs. 2,00,000

9) Maximum Basic Sum Assured : No Limit

The Basic Sum Assured shall be in multiples of Rs. 25,000/- only.

MODE OF Premium Payment:

The modes of premium payment allowable are Yearly, Half Yearly, Quarterly, and Monthly (NACH) only

or through salary deductions.

Avdhoot Investment

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