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LIC Jeevan Labh Plan (836) Policy Online Enquiry

This is a limited premium, non-linked, with profits Endowment Plan.

DEATH BENEFIT:
Sum Assured on Death + Vested Bonus + FAB if any.
Sum Assured on Death= Higher of 10 times of annualized Premium or Basic SA.
Death Benefit shall not be less than 105% of total premiums paid as on date of death. The premiums exclude taxes, extra premium and rider premiums.
MATURITY BENEFIT:
Basic Sum Assured + Vested Bonus + FAB if any.
Example*:
Age- 35, S.A.- `5,00,000, Policy Term – 25 years, PPT- 16 years, Basic Yearly Premium: `22,601
Entry Age – 35
In case of Death at Age 40
Death Benefit = SA on Death + Vested Bonus for 5 years + FAB
= `5,00,000 + `1,25,000 (50x500x5) + Nil = `6,25,000
At the Age 51: Premium Payment Stops
Maturity at age 60:
Maturity Benefit = Basic S.A. + Vested Bonus + FAB
= `5,00,000 + `6,25,000 ( 50x500x25)
= `13,50,000


In case Term Rider is opted for `5,00,000 : Additional `5,00,000 will be paid.
Total Natural Death Benefit: `6,25,000 + `5,00,000= `11,25,000
In case of Accidental Death (If Accident Rider is opted):
Additional ` 5,00,000 will be paid along with Natural Death Benefit.
Total: `11,25,000 + `5,00,000= `16,25,000
Features & Conditions:
Minimum age at entry : 8 years lbd
Policy Term , PPT and Max. age at entry :
Policy Term   PPT   Max Entry Age
16 years    10 years    59 nbd
21 years     15 years    54 nbd
25 years     16 years       50 nbd
Maximum Maturity Age: 75 years nbd
Minimum S.A. : `2,00,000/- & in multiples of ` 10,000 thereafter.
Maximum S.A. : No limit
Available Riders:
1. Accident & Permanent Disability Benefit for full policy term –
Max 1 Crore up to age 70
2. Term Assurance Rider – Max 25 Lakhs
Mode of Payment: Yearly, Half Yly, Qly & Mly ( SSS & ECS)
Paid Up/ Surrender/Policy Loan:
After payment of premium of 3 full years.
Revivals: Within 2 years of FUP.
Back Dating: Allowed with lean Month’s benefits.
Service Tax:
1st Year of Policy : 3.75%
2nd Year onwards : 1.875%
Tax Benefits :
On Basic Premiums : u/s 80C
Maturity/Death claim : u/s 10(10D)










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