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योजना की विशेषतायेंः

  • जीवन भर के लिए गारंटीड रिस्क कवर
  • 18 वर्ष की आयु से लेकर जीवन भर के लिए गारंटीड इनकम बेनीफिट
  • प्रीमियम भुगतान अवधि के दौरान मूल बीमा राशि पर 40 रुपये प्रति हजार प्रति वर्ष गारंटीड एडीशन
  • 5.50% प्रति वर्ष चक्रवृद्धि ब्याज के आकर्षक दर पर इनकम बेनीफिट को स्थगित करने और जमा करने का विकल्प
  • स्थगित इनकम बेनीफिट के 75% तक का भुगतान प्रतिवर्ष प्राप्त किया जा सकता है।
  • पहला इनकम बेनीफिट शुरू होने से 6 महीने पहले कभी भी विकल्प बदला जा सकता है।
  • ऋण के माध्यम से अतिरिक्त तरलता
  • प्रीमियम भुगतान अवधि 5 वर्ष से 16 वर्ष तक उपलब्ध (कम प्रीमियम भुगतान अवधि की लंबित मांग अब पूरी हुई।)
  • व्यापक आयु सीमा 90 दिन से 65 वर्ष के व्यक्ति के लिए उपलब्ध।
  • वैकल्पिक राईडर AB/ADDB/TERM/CRITICAL ILLNESS/PWB उपलब्ध
  • उच्च बीमा राशि पर आकर्षक छूट ।

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पात्रता शर्तें:
प्रीमियम भुगतान अवधि : 5 से 16 वर्ष
प्रवेश आयु : 90 दिन पूर्ण से 65 वर्ष तक
अधिकतम प्रीमियम भुगतान आयु : 75 वर्ष (NBD)
न्यूनतम मूल बीमाधन : 5 लाख
अधिकतम मूल बीमाधन : कोई सीमा नही
विलम्बित अवधि :
5 वर्ष IMT के लिए 5 वर्ष; 6 वर्ष PPT के लिए: 4 वर्ष
7 वर्ष PPT के लिए : 3 वर्ष; 8-16 वर्ष PPT के लिए: 2 वर्ष

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मृत्यु हितलाभ :-
वार्षिक प्रीमियम का 7 गुणा अथवा भुगतान किये गये कुल प्रीमियम 105%,
मूल बीमाधन गारंटीड एडीशन, जो भी अधिक हो।
वैकल्पिक राईडर – AB/ADDB/TERM RIDER/CRITICAL ILLNESS/PWB

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इनकम बेनिफिट:-
विकल्प 1: रेगुलर इनकम बेनिफिट मूल बीमाधन का 10 प्रतिशत प्रति वर्ष आजीवन
विकल्प 2: फ्लैक्सी आय लाभ मूल बीमाधन का 10 प्रतिशत के भुगतान को स्थगित Defer करने पर 5.5% चक्रवृद्धि ब्याज की दर के विकल्य के साथ। लिखित
में देने पर वर्ष में एक बार शेष निधि का 75% निकाला जा सकता है। शेष राशि 5.5% चक्रवृद्धि ब्याज की दर से बढ़ती रहेगी।

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BENEFIT ILLUSTRATION

Comparative chart between Regular Income benefit and Flexi Income benefit under Jeevan Utsav Plan 871.
1. Regular Income Benefit: Rs 1 Lac every year upto age 100
2. Flexi Income Benefit: Withdrawal of 75% of Fund Value at age 60, 65, 70, 75 and final payment at age 100 (Total = 1.2 cr guaranteed)

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Age Regular Income Benefit Accumulated Money Back Compound Interest (5.5%) Accumulated Value 75% Withdrawal Amount
39 100000
40 100000 100000 5500 105500
45 100000 600000 37884 726689
50 100000 1100000 80209 1538559
55 100000 1600000 135526 2599640
60 100000 2100000 207823 3986431 2989823
61 100000 2200000 224754 1151421
64 100000 2500000 281339 1668849
65 100000 2600000 302313 1860636 1395477
66 100000 2700000 324440 590743
69 100000 3000000 398395 1010477
70 100000 3100000 425807 1166053 874540
71 100000 3200000 454726 407547
74 100000 3500000 551383 795360
75 100000 3600000 587209 939105 704329
100 100000 6100000 2520596 6010553
Total 6200000 11974722

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