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LIC Jeevan Shanti Plan: Features And Benefits

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LIC Jeevan Shanti Plan | Life Insurance Corporation | જીવન વીમા નિગમ યોજના | LIC જીવન શાંતિ યોજના | ભારતીય જીવન વીમા કોર્પોરેશન: Features And Benefits: Life Insurance Corporation of India is an Indian state-owned insurance group and investment corporation owned by the Government of India. The Life Insurance Corporation of India was founded in 1956 when the Parliament of India passed the Life Insurance of India Act which nationalised the insurance industry in India.

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LIC Jeevan Shanti Plan | Life Insurance Corporation | જીવન વીમા નિગમ યોજના | LIC જીવન શાંતિ યોજના | ભારતીય જીવન વીમા કોર્પોરેશન...

LIC Jeevan Shanti Plan

જીવન વીમા નિગમ જીવન શાંતિ યોજના: વિશેષતાઓ અને લાભો: ભારતીય જીવન વીમા કોર્પોરેશન એ ભારત સરકારની માલિકીનું ભારતીય સરકારી વીમા જૂથ અને રોકાણ નિગમ છે. ભારતીય જીવન વીમા નિગમની સ્થાપના 1956 માં કરવામાં આવી હતી જ્યારે ભારતની સંસદે લાઇફ ઇન્સ્યોરન્સ ઑફ ઇન્ડિયા એક્ટ પસાર કર્યો હતો જેણે ભારતમાં વીમા ઉદ્યોગનું રાષ્ટ્રીયકરણ કર્યું હતું.

LIC Jeevan Shanti Plan: Features:

 
As mentioned above, this plan comes in two options (immediate and deferred annuity) with a one-time premium payment. Under the immediate option, the returns can be avail post payment of all the premiums, while under the defer option, you can avail of returns only after a limit time period. The minimum deferment period of the policy is one year, while the maximum deferment period of the policy is 20 years.
LIC જીવન શાંતિ યોજના: ઉપર જણાવ્યા મુજબ, આ પ્લાન એક વખતના પ્રીમિયમની ચુકવણી સાથે બે વિકલ્પો (તાત્કાલિક અને વિલંબિત વાર્ષિકી)માં આવે છે. તાત્કાલિક વિકલ્પ હેઠળ, તમામ પ્રીમિયમની ચુકવણી પછી વળતર મેળવી શકાય છે, જ્યારે સ્થગિત વિકલ્પ હેઠળ, તમે મર્યાદા સમયગાળા પછી જ વળતરનો લાભ લઈ શકો છો. પોલિસીનો ન્યૂનતમ મુલતવી સમયગાળો એક વર્ષ છે, જ્યારે પોલિસીનો મહત્તમ મુલતવી સમયગાળો 20 વર્ષ છે.

LIC Jeevan Shanti Plan: Benefits:

The benefits of the plans are list below as per the respective options.
A. Immediate Annuity Plan:
  • The annuity payment shall make as per the payment mode select as long as the policyholder is alive.
  • No death benefit will be payable in case of demise and the policy will cease to exit immediately.
  • The annuity payment is payable as per the payment mode select as long as the policyholder is alive.
  • On the death of the policyholder during the guaranteed period, the nominee will receive the annuity amount till the end of the guarantee period.
  • In case of death after the guaranteed period, no amount will be payable and the policy will cease to exit immediately.
  • The annuity payment shall be made as per the payment mode selected as long as the policyholder is alive.
  • In case of death of the policyholder, the annuity payment will stop immediately and the nominee will receive the Purchase Price.
  • The annuity payment shall be made as per the payment mode selected as long as the policyholder is alive.
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Immediate Annuity Plan
  • No death benefit will be payable in case of demise and the policy will cease to exit immediately.
  • The annuity payment shall be made as per the payment mode selected as long as the policyholder is alive.
  • Upon the death of the primary policyholder, 50% of the annuity amount will pay to the surviving secondary policyholder. In case of the death of the secondary policyholder, the annuity payments will stop immediately.
  • In case of the death of the secondary policyholder before the death of the primary policyholder, the annuity payment will make to the primary policyholder.
  • 100% of the annuity payment shall make as per the payment mode select as long as one of the annuitants is alive.
  • In case of the death of the last survivor, the annuity payments will stop immediately.
  • 100% of the annuity payment is payable as per the payment mode select as long as one of the annuitants is alive.
  • In case of the death of the last survivor, the annuity payments will stop immediately and the Purchase Price shall be paid to the nominee.
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B. Death Benefit (Deferred Annuity)
The amount will be higher than Purchase Price plus Accrue Guarantee Additions (as specify below) minus Total annuity payments make till the date of death, if any, OR 110% of the Purchase Price.
C. Accrued Guaranteed Additions (Deferred Annuity)
You will receive Guaranteed Additions per month. Where the value of Guaranteed Additions is (Purchase Price * Annuity rate p.a. payable monthly) / 12.
The annuity rate p.a. payable monthly shall be equal to the monthly tabular annuity rate. Shall depend on the age at entry of the policyholders and the selected deferment period.

Important Links:

1 LIC Jeevan Shanti Document PDF: Click Here

2 LIC Jeevan Shanti PDF: Click Here

3 LIC Official Website: Click Here

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