LIC Golden Money Back Policy

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LIC Jeevan Anurag 168

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Jeevan Saral ATM Plan table no 165

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Jeevan Saral ATM Plan table no 165



Jeevan Saral Chart

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LIC Jeevan Surabhi (Money Back)

Features:

LIC Jeevan Surabhi plan is similar to other money back plans. However main differences in regular money back plans and LIC Jeevan Surabhi are as under

Maturity term is more than premium paying term.

Early and higher rate of survival benefit payment.

Risk cover increases every five years.

The actual term and the premium paying term for these plans are as under.

Plan no.	Policy Term	Premium Paying Term
106	15 years	12 years
107	20 years	15 years
108	25 years	18 years

Full sum assured is paid back as survival benefit by the end of premium paying term. However, the risk cover and additional risk cover continue and the policy participates in profits till the end of policy term.

Accident Benefit is restricted to the premium paying period and to the overall limit of Rs.5 lakhs on a single life.

Suitable For:
LIC Jeevan Surabhi plan holds special interest to people who besides wishing to provide for their old age and family feel the need for lump sum benefits at periodical intervals.

Benefits:

JEEVAN SURABHI – (Table Nos. 106,107 & 108)

Introduction:

For the year 2004-05 the two rates of investment return declared by the Life Insurance Council are 6% and 10% per annum.

Product summary:

This is a with-profits plan available for three different terms of 15, 20 and 25 years with corresponding premium paying terms of 12, 15 and 18 years. The plan provides a specified percentage of Sum Assured on survival up to specified durations. A life insurance cover is available throughout the term of the plan which increases after every five yearly intervals.

Premiums:  

Premiums are payable yearly, half-yearly, quarterly, monthly or through salary deductions as opted by you throughout the premium paying term of the policy or till the earlier death.

Bonuses: LIC Jeevan Surabhi is a with-profit plan and participates in the profits of the Corporation’s life insurance business.  It gets a share of the profits in the form of bonuses. Simple Reversionary Bonuses are declared per thousand Sum Assured annually at the end of each financial year.  Once declared, they form part of the guaranteed benefits of the plan. A Final (Additional) Bonus may also be payable provided policy has run for certain minimum period.

Death Benefit:     

The Sum Assured along with the additional cover, if any, plus all bonuses declared till death is payable in a lump sum upon the death of the life assured during the policy term. The survival benefits paid prior to death will not be deducted from the claim amount.

Survival Benefit: A percentage of sum assured as mentioned below will be paid on your survival to the end of specified durations:

Percentage of Sum Assured payable at the end of specified duration
Plan and Term ( Premium Paying Term )
Duration	106/15(12)	107/20(15)	108/25(18)
4	30%	25%	20%
5	-	-	-
8	30%	25%	20%
10	-	-	-
12	40%	25%	20%
15		25%	20%
18	-	-	20%

Maturity Benefit:    

LIC Jeevan Surabhipolicy matures on your survival to the end of the policy term. All bonuses declared up to maturity date will be paid in a lump sum.

Supplementary/Extra Benefits:  These are the optional benefits that can be added to your basic plan for extra protection/option.  An additional premium is required to be paid for these benefits.

Surrender Value:    

Buying a life insurance contract is a long-term commitment.  However, surrender values are available under the plan on earlier termination of the contract.

Guaranteed Surrender Value:

The policy may be surrendered after it has been in force for 3 years or more.  The guaranteed surrender value is 30% of the basic premiums paid excluding the first year’s premium in case no survival benefit payment has already fallen due. Where one or more survival benefits have fallen due, the guaranteed surrender value will be 30% of the premiums paid on or after the due date of payment of latest survival benefit.

Corporation’s policy on surrenders:

 In practice, the Corporation will pay a Special Surrender Value – which is either equal to or more than the Guaranteed Surrender Value. The benefit payable on surrender is the discounted value of the reduced claim amount that would be payable on death or at maturity. This value will depend on the number of premiums paid and the duration at which surrender value is calculated. In some circumstances, in case of early termination of the policy, the surrender value payable may be less than the total premium paid.

The Corporation reviews the surrender value under its plans from time to time depending on the economic environment, experience and other factors.

  Note: The above is the product summary giving the key features of the plan.  This is for illustrative purpose only.  This does not represent a contract and for details please refer to your policy document.

Benefit Illustration:

            Illustration 1 (Table 106)

            Age at entry: 35 years

            Policy Term: 15 Years   

            Premium Paying Term: 12 Years  

            Mode of premium payment: Yearly

            Sum Assured : Rs. 1,00,000 /-

            Annual Premium : Rs. 10963 /-

               Illustration 2 (Table 107)

            Age at entry : 35 years

            Policy Term : 20 Years     

            Premium Paying Term : 15 Years  

            Mode of premium payment : Yearly

            Sum Assured : Rs. 1,00,000 /-

            Annual Premium : Rs. 9581 /-

                 

                Illustration 3 (Table 108)

            Age at entry : 35 years

            Policy Term : 25 Years     

            Premium Paying Term : 18 Years  

            Mode of premium payment : Yearly

            Sum Assured : Rs. 1,00,000 /-

            Annual Premium : Rs. 8776 /-

                 

            Plan Parameters :

Minimum Maximum Entry age 14 (last birthday) plan 106 55 plan 107 50 plan 108 45 Sum assured (Rs.) 50,000 NO LIMIT Term (years) 15 years Fixed Term Mode of Payment Maximum Maturity Age Policy loan available Yearly, Half-yearly, Quarterly, Monthly, Salary Saving Scheme 70 years Yes

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LIC Policy Status

Now get your policy information on SMS: The policyholder can type “ASKLIC <policy no> type of query i.e. prem/rev/bonus/loan/nom (premium/ Loan/ Bonus/Revival/ Nomination) on his mobile and send it to code “9222492224” via sms to get the necessary information under his policy. The SMS charges for the policyholder will be as per the scheme of his service provider.( The sign of < and > will indicate that space is required to be kept in SMS text). Find the Address and phone numbers of LIC Customer Zone nearest to you…… You can write a mail to customerzone_delhi@licindia.com for Delhi LIC Users.  Agra, Ahmedabad, Amritsar, Bangalore, Bangalore-II, Belgaum, Bhagalpur, Bhubaneswar, Bhopal, Chandigarh, Chennai, Chennai-II, Coimbatore, Cuttack, Delhi, Delhi-II, Dhanbad , Dwarka ,Ernakulam, Goa, Gulbarga, Guntur, Guwahati, Gwalior, Gurgaon, Hubli, Howrah, Hyderabad, Indore, Jabalpur, Jaipur, Jalandhar, Jamshedpur, Jammu, Jodhpur, Kanpur, Karnal, Kolkata, Kolkata(S), Kolkata-II, Kottayam, Kozhikode,Lucknow, Ludhiana, Madurai, Mangalore, Mumbai, Mumbai-III, Muzaffarpur, Mysore, Nagpur, Nerul,Noida, Patna, Pune, Raipur, Rajkot, Salem,Secunderabad, Siliguri, Surat, Thane, Tirunelvelli,Trichy, Trivendrum, Varanasi, Vellore, Vijaywada,Vishakhapatnam, Warangal. Open : Mon to Fri 8.00 am to 8.00 pm           Sat 10.00 am to 6.00 pm Services especially for you… At LIC customer Zone Change of address Issuing premium paid certificate Acceptance of life certificate for pension policies Resolving any policy related complaints Information on  Premium position, Bonus, Loan , revival of lapsed policies Our products … Assistance for Filling up of forms Registration on LIC’s Customer Portal To know Policy details through IVRS, simply dial 1251 available 24x7 in the following cities Asansol Allahabad Aurangabad Bareilly Coimbatore Dharwad Gorakhpur Gwalior Hazaribagh Jodhpur Jammu Kozhikode Kota Kolhapur Meerut Mysore Nasik Patna Pondicherry Rajkot Ranchi Salem Surat Shillong Shimla Thanjavur Vadodara Varanasi For making local call from any MTNL or BSNL number simply dial 1251 and for other than local users IVRS can be accessed by dialing the city STD code of the IVRS center followed by 1251. For complaints/grievances regarding your policy/ies, please contact our Manager CRM (Grievance Redressal Officer) on the Telephone Numbers given below, during normal working hours. ZONAL OFFICE DIVISION OFFICE PHONE NO. Central Zone CENTRAL BHOPAL 0755-2676254 CENTRAL BILASPUR 07752-2203732 CENTRAL GWALIOR 0751-2448606 CENTRAL INDORE 0731-2523513 CENTRAL JABALPUR 0761-2671079 CENTRAL RAIPUR 0771-2583062 CENTRAL SATNA 07672-228100 CENTRAL SHAHDOL 07652-248469 Eastern Zone EAST CENTRAL Begusarai 0624-3245265 EAST CENTRAL Berhampur 0680-2296390 EAST CENTRAL Bhagalpur 06412-2322016 EAST CENTRAL Bhubaneswar 0674-2303140 EAST CENTRAL Cuttack 0671-2307857 EAST CENTRAL Hazaribagh 06546-272611 EAST CENTRAL Jamshedpur 0657-2320564 EAST CENTRAL Muzaffarpur  0621-223904 EAST CENTRAL Patna 0612-2204067 EAST CENTRAL Sambalpur 0663-2541388 Eastern Zone EASTERN Asansol 0341-2256012 EASTERN Bongaigaon 03664-228281 EASTERN Guwahati 0361-2638404 EASTERN Howrah 033-22434614 EASTERN Jalpaiguri 03561-255443 EASTERN Jorhat 0376-2361613 EASTERN Kharagpur 03222-253302 EASTERN KMDO-I 033-22126122 EASTERN KMDO-II 033-23970025 EASTERN KSDO 033-23342708 EASTERN Silchar 03842-241716 North-Central Zone NORTH CENTRAL Agra 0562-2525972 NORTH CENTRAL Aligarh 0571-2420066 NORTH CENTRAL Allahabad 0532-2401854 NORTH CENTRAL Bareilly 0581-2301712 NORTH CENTRAL Dehradun 0135-2668231 NORTH CENTRAL Faizabad 05278-244261 NORTH CENTRAL Gorakhpur 0551-2230322 NORTH CENTRAL Haldwani 05946-267886 NORTH CENTRAL Kanpur 0512-2368546 NORTH CENTRAL Lucknow 0522-2624214 NORTH CENTRAL Meerut 0121-2671201 NORTH CENTRAL Varanasi 0542 2454420 Northern Zone NORTHERN AJMER  0145-2661878 NORTHERN AMRITSAR 0183-2556658 NORTHERN BIKANER 0151-2225920 NORTHERN CHANDIGARH 0172-2784620 NORTHERN DELHI-I 011-28844132 NORTHERN DELHI-II 011-28822223 NORTHERN DELHI-III 011-28855115 NORTHERN JAIPUR-I 0141-2745834 NORTHERN JAIPUR-II 0141-2713708 NORTHERN JALANDHAR 0181-2459826 NORTHERN JODHPUR 0291-2657849 NORTHERN KARNAL 0184-2266580 NORTHERN LUDHIANA 0161-2521838 NORTHERN ROHTAK 1262-228328 NORTHERN SHIMLA 0177-2629212 NORTHERN SRINAGAR 0191-2475839 NORTHERN UDAIPUR 0294-2488581 South-Central Zone SOUTH CENTRAL  BANGALORE I 080-22966515 SOUTH CENTRAL  BANGALORE II 080-22966812 SOUTH CENTRAL  BELGAUM 0831-2438808 SOUTH CENTRAL  DHARWAD 0836-2441968 SOUTH CENTRAL  HYDERABAD 040-23420771 SOUTH CENTRAL  KADAPA 08562-247017 SOUTH CENTRAL  KARIMNAGAR 0878-2240597 SOUTH CENTRAL  MACHILIPATNAM 08672-223372 SOUTH CENTRAL  MYSORE 0821-2495764 SOUTH CENTRAL  NELLORE 0861-2323072 SOUTH CENTRAL  RAICHUR 08532-232432 SOUTH CENTRAL  RAJAHMUNDRY 0883-2423832 SOUTH CENTRAL  SECUNDERABAD 040-27665039 SOUTH CENTRAL  SHIMOGA 08182-251320 SOUTH CENTRAL  UDUPI 0820-2536907 SOUTH CENTRAL  VIZAG 0891-2533211 SOUTH CENTRAL  WARANGAL 0870-2579364 Southern Zone SOUTHERN CHENNAI 1 044-28610353 SOUTHERN CHENNAI 2  044-23451551    SOUTHERN COIMBATORE 0422-2303503 SOUTHERN ERNAKULAM  0484-2361938 SOUTHERN KOTTAYAM 0481-2580121 / 0481-2580102 SOUTHERN KOZHIKODE 0495-2726006 SOUTHERN MADURAI 0452-2537778 SOUTHERN SALEM 0427-2411487 SOUTHERN THANJAVUR 04362-233678 SOUTHERN THRISSUR SOUTHERN TIRUNELVELI 0462-2560925 SOUTHERN TRIVANDRUM 0471-2540932 SOUTHERN VELLORE 0416-2226718 Western Zone WESTERN AHMEDABAD 079-25511419 WESTERN AMRAVATI 0721-2660145 WESTERN AURANGABAD 0240-2329299 WESTERN BHAVNAGAR 0278-2421963 WESTERN GANDHINAGAR 079-232-38250 WESTERN GOA 0832-2438418 WESTERN KOLHAPUR 0231-2661135 WESTERN MUMBAI-1 022-22028225 / 022-66599066 WESTERN MUMBAI-2 022-24010375 / 022-30492020 WESTERN MUMBAI-3 022-67819220 WESTERN MUMBAI-4 022-66599233 WESTERN MUMBAI-SSS 022-26267050 WESTERN NADIAD 0268-2532134 WESTERN NAGPUR 0712-2546436 WESTERN NANDED 02462-221777 WESTERN NASHIK 0253-2317607 WESTERN PUNE-1 020-25512969 WESTERN PUNE-2 020-24217638 WESTERN RAJKOT 0281-2483210 WESTERN SATARA 02162-224708 WESTERN SURAT 0261-2801407 WESTERN THANE 022-25829702 / 022-25827728 WESTERN VADODARA 0265-2225188

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