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LIC's Jeevan Umang - 945 Plan Overview

The 100-year plan

LIC's Jeevan Umang is a non-linked, participating, individual, whole life assurance plan which offers a combination of income and protection to your family. This plan provides for annual survival benefits from the end of the premium paying term till maturity and a lump sum payment at the time of maturity or on death of the policyholder during the policy term. In addition,this plan also takes care of liquidity needs through loan facility.

Features

Death benefits - Tax Free max 105% of Sum Assured
Maturity Benefits - Sum Assured + Bonus
Survival Benefits - Yearly 8% of Basic sum Assured
Participation in profits (Bonus)
Tax Benefit under 80(C) ∧ 10(10D)

Lic's Jeevan Umang

Eligibility Criteria

Sum Assured : Minimum 2 Lakhs to Maximum No Limit
Maximum Maturity Age : 100 Years
Age Limit : From 90 Days to 55 Years
Policy Term : 100 Years
Premium Pay Term : 15, 20 , 25, 30 Years
Premium Frequency : Month, Quarter, Half Year, Year, Salary Saving

Benefits

Death Before Risk : Return of Preimum without Interest
Death After Risk: 105% of Premium Paid + Simple Revolutionary & Final Additional Bonuses
Survival Benefit : 8% of Basic Sum Assured
Maturity : Sum Assured + Simple Revolutionary + Final Additional Bonuses
Tax : Preimum Paid - 80C and Maturity Amount - Section 10 (10D)
Loan : Available after fully paid 3 Yrs premium
Nomination : Facility Available
Suicide Benefit : After 12 months, 80% of Premium paid

Additional Riders

Accidental Death and Disability Rider : Yes, Before 5 yrs of Premium Term
Accident Benefit Rider : Yes, Before 5 yrs of Premium Term
Term Assurance Rider : Yes, After regular paid for 2 years
Critical Illness Benefit Rider : Yes, 15 Critical Illnesses Cover
Premium Waiver Rider : Yes, In case of sudden death

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