Life insurance policy of New Jeevan Anand Plan is a participating non-linked plan which offers an reasonable and beneficiary combination of protection and savings. This combination provides financial protection against death throughout the lifetime of the policyholder with the provision of payment of full amount at the end of the selected policy term in case of his/her survival. This plan also takes care of liquidity needs through its loan facility. Some of our plans have certain options (including rider(s)) available under them. It is important that the options, if any, available under this plan and mentioned in the policy document are noted carefully as it will be helpful to you,
” in case you decide to exercise any of the available options. It is also essential to note that such option, if available and mentioned in the document of this plan has to be exercised in the right manner and during the stipulated time limit as prescribed herein.”
1. Benefits:
Death benefit :
Provided all due premiums have been paid, the following death benefit shall be paid:On Death during the policy term: Death benefit, defined as sum of Sum Assured on Death and vested Simple Diversionary Bonuses and Final Additional bonus, if any, shall be payable. Where, Sum Assured on Death is defined as higher of 125% of Basic Sum Assured or 10 times of annualized premium. This death benefit shall not be less than 105% of all the premiums paid as on date of death.The premiums mentioned above exclude service tax, extra premium and rider premiums, if any.On death of policyholder at any time after policy term: Basic Sum Assured
Benefits payable at the end of Policy Term: Basic Sum Assured, along with vested Simple Reversionary Bonuses and Final Additional Bonus, if any, shall be payable in lump sum on survival to the end of the policy term provided all due premiums have been paid.
Participation in Profits :
The policy shall participate in profits of the Corporation and shall be entitled to receive Simple Reversionary Bonuses declared as per the experience of the Corporation during policy term provided the policy is in full force. Provided the policy is in -force, depending upon the Corporation’s experience, the policy shall participate in profits in accordance with the applicable provisions of LIC Act, 1956, as amended from time to time, and shall be eligible for simple diversionary bonus at such rate and on such terms as may be declared by the Corporation. Simple Diversionary Bonuses shall be declared annually at the end of each financial year provided the policy is in-force. Once declared, they form part of the guaranteed benefits of the plan. Simple Diversionary Bonuses will be added from the date of commencement of policy until the selected policy term or till death, if it occurs earlier. In case the premiums are not duly paid, the policy shall cease to participate in future profits irrespective of whether or not the policy has acquired paid-up value. In the event of policy being surrendered, the surrender value of vested bon The policy shall participate in profits of the Corporation and shall be entitled to receive Simple Reversionary Bonuses declared as per the experience of the Corporation during policy term provided the policy is in full force.
Final (Additional) Bonus may also be declared under the plan in the year when the policy results into death claim during the policy term or due for the survival benefit payment provided the policy is in full force and has run for certain minimum term.
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