by Ashok Kuumar | Aug 14, 2020 | Insurance, Life Insurance
LIC Jeevan Labh Insurance Policy: लाइफ इंश्योरेंस कॉर्पोरेशन ऑफ इंडिया (एलआईसी) देश की सबसे भरोसेमंद बीमा कंपनियों में से एक है। इस कंपनी की अलग-अलग पॉलिसी हैं जिनमें करोड़ों लोगों ने अपनी पूंजी निवेश कर रखी है। सरकार द्वारा संचालित इस कंपनी की पॉलिसी में निवेश कर निवेशकों को अपना पैसा डूबने की चिंता नहीं होती।
एलआईसी टर्म प्लान, हेल्थ प्लान, पेंशन, चाइल्ड एंडोमेंट आदि पॉलिसी सेल करती है। ग्राहक अपनी जरूरत के हिसाब से पॉलिसी को चुन सकता है। एलआईसी में अगर आप आज थोड़ी सी बचत कर निवेश करते हैं तो भविष्य में आपको मोटी रकम हासिल हो सकती है। एलआईसी की एक ऐसी ही पॉलिसी है जिसमें आप रेगुलर एक निश्चित अमाउंट का निवेश करेंगे तो कुछ समय बाद आपको रिटर्न के रूप में मोटी रकम हाथ लगेगी।
इस पॉलिसी का नाम जीवन लाभ है। इसमें अगर आप रोजाना 280 रुपये का निवेश करेंगे तो आपको रिटर्न में 20 लाख रुपये हासिल हो सकते हैं। इस पॉलिसी का नाम जीवन लाभ है। ये एक सीमित प्रीमियम भुगतान के साथ, नॉन-लिंक्ड लाभ पॉलिसी है
Also Read :
1 -LIC आधार स्तंभ पॉलिसी में रोजाना 43 रुपये का निवेश कर पाएं 3 लाख 60 हजार, जानें पूरी प्लान
2 -LIC जीवन शांति पॉलिसी में एकमुश्त निवेश कर पा सकते हैं हर महीने 4 लाख रुपये पेंशन, जीवनभर मिलता रहेगा फायदा
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इसमें मैच्योरिटी अमाउंट टैक्स फ्री होती है। इस पॉलिसी में आप 16 साल, 21 साल या 25 साल का टर्म प्लान के विकल्प मिलते हैं। मृत्यु या पॉलिसी के मैच्योर होने पर परिवार यानी नॉमिनी को या पॉलिसीहोल्डर को बीमित रकम के रूप में सुरक्षा के साथ लाभ भी मिलता है। इस योजना के तहत मैच्योरिटी की अधिकतम आयु 75 साल रखी गई है।
अब सवाल यह है कि आप कैसे रोजाना 280 रुपये का निवेश कर इतनी मोटी रकम हासिल कर सकते हैं? इसे हम एक उदाहरण से समझने की कोशिश करेंगे।
उम्र: 21
टर्म: 16
पीपीटी: 10
डीएबी: 1200000
डेथ सम एश्योर्ड: 1200000
बेसिक सम एश्योर्ड: 1200000
फर्स्ट ईयर प्रीमियम 4.5 फीसदी टैक्स के साथ
वार्षिक: 104640 (100134 + 4506)
अर्धवार्षिक: 52855 (50579 + 2276)
त्रैमासिक: 26695 (25545 + 1150)
मंथली: 8898 (8515 + 383)
वाईएलवाई मोड औसत प्रीमियम/प्रतिदिन: 286
फर्स्ट ईयर प्रीमियम भरने के बाद घटे हुए टैक्स के साथ –
वार्षिक: 102387 (100134 + 2253)
अर्धवार्षिक: 51717 (50579 + 1138)
त्रैमासिक: 26120 (25545 + 575)
मंथली: 8707 (8515 + 192)
वाईएलवाई मोड औसत प्रीमियम/प्रतिदिन: 280
कुल अनुमानित देय प्रीमियम: 1026123
रुपये मैच्योरिटी पर अनुमानित रिटर्न:
एस.ए: 1200000
बोनस: 825600
एफएबी: 30000
कुल अनुमानित रिटर्न: 2055600 रुपये
उपरोक्त उदाहण के मुताबिक अगर कोई व्यक्ति 21 वर्ष की उम्र में 16 साल के टर्म प्लान के साथ 1200000 सम एश्योर्ड विकल्प को चुनता है तो उसे 10 साल तक रोजाना 280 रुपये भरने होंगे। इस तरह उसे कुल 1026123 रुपये रुपये भरने होंगे। यह रकम मैच्योरिटी पर 20,55,600 रुपये होगी।
by Ashok Kuumar | Aug 13, 2020 | Life Insurance
ONE OF BEST PLAN FOR INVESTMENT 2020
LIC Bima Shree Plan (948) Details
LIC Bima Shree, Table No. 848, is a money back plan which provides guaranteed addition (GAs) at the rate of Rs. 50 per thousand of basic sum assured for first 5 policy years and Rs 55 per thousand of sum assured from sixth policy year till the year of last premium payment. Complete details like Premium, Money Backs, Risk Cover and Maturity of this plan has been explained with an Illustration.
Key Features
- Guaranteed Additions during premium payment term.
- Availability of Accidental Death & Disability Benefit (AD & DB), Term Assurance riders.
- Premium Waiver Benefit (PWB) Rider in case of Minor Policy Holder.
- Paid premiums are exempted from income tax under 80C.
- Tax free Money Backs and Maturity.
Plan Parameters
| Age at Entry |
8 years (Completed) |
| Policy Term (Premium Paying Term) |
14(10), 16(12), 18(14), 20(16) |
Maximum Age at Entry in Years)
(As per Nearest Birthday) |
| 55 Years for 14 Year Term |
| 51 Years for 16 Year Term |
| 48 Years for 18 Year Term |
| 45 Years for 20 Year Term |
| Basic Sum Assured |
10,00,000 and above in multiples of 1,00,000 |
| Premium Paying Mode |
Yearly, Half Yearly, Quarterly & Monthly (SSS and NACH Only) |
| Premium Mode Rebate |
2% on yearly, 1% on Half Yearly, Nil on Quarterly & Monthly |
Money Back and Maturity
The plan provides Guaranteed additions (GAs) at the rate Rs 50 per thousand of Sum Assured for first 5 policy years and Rs. 55 per thousand of sum assured from 6th year till the year of last premium payment and one time loyalty addition on maturity. During the policy term, this plan provides two fixed money backs (as certain percentage of Sum Assured) and on completion of policy term, maturity will be Sum Assured + Guaranteed additions (GAs) + Loyalty Addition (LA). Following table provides money backs and maturity details of all term available in this plan.
| Policy Term (Years) |
1st Money Back |
2nd Money Back |
Maturity Details
(on completion of policy term) |
| 14 |
30% of SA at end of 10th policy year |
30% of SA at end of 12th policy year |
40% of SA + GAs + LA |
| 16 |
35% of SA at end of 12th policy year |
35% of SA at end of 14th policy year |
30% of SA + GAs + LA |
| 18 |
40% of SA at end of 14th policy year |
40% of SA at end of 16th policy year |
20% of SA + GAs + LA |
| 20 |
45% of SA at end of 16th policy year |
45% of SA at end of 18th policy year |
10% of SA + GAs + LA |
In above table, SA is Basic Sum Assured or simply Sum Assured
Risk Cover and Death Benefit
In case of death during first 5 year of policy, the death claim will be 125 % of Basic Sum Assured + Guaranteed Addition (GAs) at the rate of Rs 50 per thousand of Sum Assured per year.
Also Read:
1 -LIC जीवन शांति पॉलिसी में एकमुश्त निवेश कर पा सकते हैं हर महीने 4 लाख रुपये पेंशन, जीवनभर मिलता रहेगा फायदा
2 -LIC Jeevan Labh पॉलिसी में रोजाना 280 रुपये का निवेश कर, पाएं 20 लाख, जानें क्या है ये पूरा प्लान
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In case of death after completion of 5 policy years and before maturity, the death claim will be 125 % of Basic Sum Assured + Guaranteed Addition (GAs) at the rate of Rs 55 per thousand of Sum Assured per year (up to the policy year of last premium payment) + Loyalty Addition (LA).
LIC Bima Shree Policy (848) with an Example
For explanation, let’s take example of a policy with following details.
| Purchase Year |
2018 |
| Age |
25 Years |
| Basic Sum Assured |
15,00,000 |
| Policy Term |
20 |
| Premium Paying Term |
16 |
| Premium of Basic Plan (without GST) |
1,04,517 |
As per above policy details, following table provides Year-wise and age premium paid, moneyback, risk covers and maturity details.
Understanding Following Table: The year-wise progress of policy has been illustrated below, Policy holder will get TWO Money Backs of Rs. 6,75,000 each on completion of 16th and 18th policy years and on maturity (completion of 20 years) Rs. 1432500 + Loyalty Addtion (LA). In case of death before 20 years, for example, if death happens after 14 years from commencement (Age: 38, Year: 2031), then Death claim shall be 2992500 + Loyalty Additions (LA).
| Year No |
Year |
Age |
Sum Assured |
Premium Paid |
Guaranteed Additions(GAs) |
Life Cover |
Return |
| 1 |
2018 |
25 |
1500000 |
104517 |
75000 |
1950000 |
0 |
| 2 |
2019 |
26 |
1500000 |
209034 |
150000 |
2025000 |
0 |
| 3 |
2020 |
27 |
1500000 |
313551 |
225000 |
2100000 |
0 |
| 4 |
2021 |
28 |
1500000 |
418068 |
300000 |
2175000 |
0 |
| 5 |
2022 |
29 |
1500000 |
522585 |
375000 |
2250000 |
0 |
| 6 |
2023 |
30 |
1500000 |
627102 |
457500 |
2332500 + LA |
0 |
| 7 |
2024 |
31 |
1500000 |
731619 |
540000 |
2415000 + LA |
0 |
| 8 |
2025 |
32 |
1500000 |
836136 |
622500 |
2497500 + LA |
0 |
| 9 |
2026 |
33 |
1500000 |
940653 |
705000 |
2580000 + LA |
0 |
| 10 |
2027 |
34 |
1500000 |
1045170 |
787500 |
2662500 + LA |
0 |
| 11 |
2028 |
35 |
1500000 |
1149687 |
870000 |
2745000 + LA |
0 |
| 12 |
2029 |
36 |
1500000 |
1254204 |
952500 |
2827500 + LA |
0 |
| 13 |
2030 |
37 |
1500000 |
1358721 |
1035000 |
2910000 + LA |
0 |
| 14 |
2031 |
38 |
1500000 |
1463238 |
1117500 |
2992500 + LA |
0 |
| 15 |
2032 |
39 |
1500000 |
1567755 |
1200000 |
3075000 + LA |
0 |
| 16 |
2033 |
40 |
1500000 |
1672272 |
1282500 |
3157500 + LA |
675000 |
| 17 |
2034 |
41 |
1500000 |
— |
— |
3157500 + LA |
0 |
| 18 |
2035 |
42 |
1500000 |
— |
— |
3157500 + LA |
675000 |
| 19 |
2036 |
43 |
1500000 |
— |
— |
3157500 + LA |
0 |
| 20 |
2037 |
44 |
Maturity |
1432500 + LA |
Please Note: Above illustration has been generated just for the purpose of explanation.
Also Read:
1 -LIC जीवन शांति पॉलिसी में एकमुश्त निवेश कर पा सकते हैं हर महीने 4 लाख रुपये पेंशन, जीवनभर मिलता रहेगा फायदा
2 -LIC Jeevan Labh पॉलिसी में रोजाना 280 रुपये का निवेश कर, पाएं 20 लाख, जानें क्या है ये पूरा प्लान
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by Ashok Kuumar | Aug 12, 2020 | LOAN
Due to Corona Pandemic most of clients are panic and looking LARGE CAP Bluechip Mutual funds, Also maximum Advisors are suggesting to invest in Bluechip Fund. Basically this pandemic has changed the mindset of investors.
However, before you proceed further, few pointers you should keep in mind. Large cap mutual fund schemes are recommended typically to conservative equity investors looking to create wealth without taking too much risk and volatility.
According to Sebi rules, Large cap mutual fund schemes have the mandate to invest at least 80% of the corpus in top 100 companies by market capitalisation.
Hense, my recommendation to discuss with your Advisor and create your portfolio and stick on portfolio because ups and down are part of game of Share Markets.
Please find our recommended Large cap schemes. You may invest in these schemes with a minimum investment horizon of 03 to 05 years to achieve your long-term financial goals.
Some others
Best large cap mutual funds to invest in 2020
- ICICI Prudential Bluechip Fund
- Nippon India Large Cap Fund
- Canara Robeco Bluechip Equity Fund
- HDFC Top 100 Fund
Also Read:
1 -LIC जीवन शांति पॉलिसी में एकमुश्त निवेश कर पा सकते हैं हर महीने 4 लाख रुपये पेंशन, जीवनभर मिलता रहेगा फायदा
2 -LIC Jeevan Labh पॉलिसी में रोजाना 280 रुपये का निवेश कर, पाएं 20 लाख, जानें क्या है ये पूरा प्लान
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by Ashok Kuumar | Aug 12, 2020 | Investments, Shares
Everyone Bullish but you need to invest right now for atlest 6 months.
OPEN ZERODHA DEMAT ACCOUNT NOW IN 5 MINUTES- CLICK HERE
My First PICK for you is – SBI OF INDIA – Target -Rs.250-300
Investors are worried about NPA that being the largest bank, SBI could be one of the biggest lenders to MSMEs and other Covid-impacted sectors at a time.
However, SBI valuations compelling as the stock trades at just 0.8 times its 12-month forward price-to-book value. We expect the stock to hit Rs. 250-300 levels once the dust settles over the next Six Months.
And other Choice is mentioned below, where you definitely should increase your exposers.
| SL |
Company |
Price |
M.Cap |
Income |
PEG |
| 1 |
Tata Chemicals |
300.9 |
7,664.3 |
10,430.1 |
0.02 |
| 2 |
Gujarat Alkalies & C |
344.0 |
2,526.2 |
2,724.6 |
0.25 |
| 3 |
HEG |
786.3 |
3,034.6 |
2,149.0 |
0.43 |
| 4 |
Sonata Software |
287.0 |
3,017.5 |
3,743.3 |
0.69 |
| 5 |
Coal India |
129.8 |
79,961.4 |
96,080.3 |
1.20 |
| 6 |
Kama Holdings |
5,001.5 |
3,227.3 |
7,335.2 |
0.20 |
| 7 |
Sun TV Network |
394.4 |
15,540.7 |
3,562.5 |
0.82 |
| 8 |
Star Cement |
88.4 |
3,633.5 |
1,843.9 |
1.00 |
| 9 |
Delta Corp |
108.4 |
2,911.1 |
681.6 |
0.34 |
| 10 |
Gujarat State Petron |
207.6 |
11,708.8 |
12,470.5 |
0.30 |
Also Read:
1 -LIC जीवन शांति पॉलिसी में एकमुश्त निवेश कर पा सकते हैं हर महीने 4 लाख रुपये पेंशन, जीवनभर मिलता रहेगा फायदा
2 -LIC Jeevan Labh पॉलिसी में रोजाना 280 रुपये का निवेश कर, पाएं 20 लाख, जानें क्या है ये पूरा प्लान
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by Ashok Kuumar | Aug 10, 2020 | Insurance, Life Insurance
Do you know LIC of INDIA is giving option to claim your unclaimed or outstanding amount.
If your parents- Mother/ Father/ Grandfather or any one has taken policy from LIC OF INDIA. But you have losses all documents like Policy no/ Policy Bond/ Policy Slips. And you are not able to track your documents.
To solving this issues, LIC OF INDIA has given option to track and claim Unclaimed and Outstanding amounts to Policyholders.
Now you can find policy details and process for claim and you can claim Unclaimed amounts of your loved one.
You can use this link to find details of Unclaimed and Outstanding amounts to Policyholders . Click HERE
For more help you can contact us on whatsapp @ 9891423442 or visit us at www.ag4u.in or www.agindiaonline.com
Also Read:
1 -LIC जीवन शांति पॉलिसी में एकमुश्त निवेश कर पा सकते हैं हर महीने 4 लाख रुपये पेंशन, जीवनभर मिलता रहेगा फायदा
2 -LIC Jeevan Labh पॉलिसी में रोजाना 280 रुपये का निवेश कर, पाएं 20 लाख, जानें क्या है ये पूरा प्लान
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