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Welcome to eBimaa.com

JEEVAN SARAL

'JEEVAN SARAL' is a unique plan having good features of the conventional plans and the flexibility of unit-linked plans.

Salient Features

  • Risk Coverage : First policy which provides 250 times of basic monthly premium + Return of premiums + Loyality Addition (if any).
  • Children between age 1 to 12 years are eligible.
  • Term Assurance Rider Option: An amount equal to the Term Assurance Sum Assured is payable only on death of the policyholder during the policy term.
Benefits
  • Maturity Benefits: Maturity S.A. + Loyality Additions, if the policy was in force for a minimum of 10 policy years.
  • Death Benefit: 250 times the monthly basic premium + return of premium paid (excluding extra/rider premium and 1st year premium) + Loyality additions, if any.
  • Surrender Value: Policy can be surrenered after a minimum 3 years premiums have been paid. Surrender Value will be more than Guaranteed Surrender Value.
  • Guaranteed Surrender Value: Guaranteed Surrender Value will be equal to 30% of the total premiums paid (excluding the 1st year premium + all the extra premiums + accident benefit + term rider premiums).
  • Special Surrender Value:
    • If less than 4 years premiums paid - 80% of the maturity S.A.
    • Between 4 & less than 5 years premiums paid - 90% of maturity S.A.
    • If 5 years and above premiums paid - 100% of maturity S.A.
    • Interest from the date of first unpaid premium till the date of surrender in above 3 points. Interest to be paid is taken in whole months and fraction of a month will be ignored.
    • Loyality Additions, if any, valued as at 31st March, preceding the date or surrender will be paid.
  • Paid up Value: The policy will acquire paid-up value if atleast 3 years premium have been paid.
  • Partial Surrender: A portion of the policy can be surrendered and money can be received from LIC, if premiums, have been paid for a minimum of 3 years, subject to the following conditions:
    • The basic annual premium and all other benefits will be reduced to the extent of partial surrender.
    • If a policy loan is outstanding, partial surrender is not allowed.
    • Any no. of times, partial surrender is allowed.
    • There should be a gap of minimum of one year between two successive partial surrenders.
    • The mimum basic annual premium that can be surrender at a time is Rs.1,200/- p.a. and should be in mumtiples of Rs.600/- p.a. thereafter.
    • The reduced basic annual premium after surrender shouldnot be less than Rs.3,000/- p.a. for age upto 49 years and Rs.4,800/- p.a. for age 50 and above.
    • The accident benefit, term rider benefit and additional premium payable will also be reduced proportionately.

Restrictions

  • Minimum Age at Entry : 12 years
  • Maximum Age at Entry : 60 years
  • Maximum Maturity Age : 70 years
  • Minimum Term : 10 years
  • Maximum Term : 35 years
  • For Age 12 to 49 years : Minimum Premium is Rs.250/- p.m.
  • For Age 50 to 60 years : Minimum Premium is Rs.400/- p.m.
  • Maximum Premium : Rs. 10,000/- p.m.
  • Premium in multiples of Rs. 50/- p.m. thereafter
  • Mode of Premium : Yearly, Half-Yearly, Quarterly, Monthly
  • Accident Benefit & Disability is allowed (with extra premium)
  • Standard age proof required.
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