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Harish Chand Delhi LIC Agent 577, GH-9, PASCHIM VIHAR NEW DELHI- 110087 INDIA, 9811896425, 9212201725
Harish Chand
Delhi LIC Agent
NEW DELHI- 110087
INDIA, 9811896425, 9212201725

160 - Jeevan Bharati

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Premium Ceasing Age : 70

Premium Ceasing Term : 0

Plan Highlights


Jeevan Bharati is a money back plan covering illness peculiar to women. Female Critical Illness (FCI) benefit and Congenital Disability Benefit (CDB) cover will be available to proposers under the Jeevan Bharati plan.

Special Features

· This policy offers guaranteed additions at a rate of Rs.50/- per thousand basic sum assured to accrue at the end of each completed year for which premium is paid, during the first 5 years of a policy and will be paid on death or maturity.

· 20% of the Sum Assured will be offered at the end of 5/10 years for a 15 year term (balance payable on maturity plus Guaranteed Additions plus bonus, if any)

· Free Insurance cover: Provided at least two years' premiums have been paid under a

policy, full death cover (irrespective of survival benefit payments made) will be admissible for a period of three years from the date of first unpaid premium.

· Encashment of survival benefits as and when needed: A policyholder can take the survival

benefits on or after the due dates, but before the date of maturity. In case of deferment, the Corporation will pay increased survival benefit, and the increment will be at rates decided by the Corporation from time to time.

· Accident and Disability Benefit (optional): Accident Benefit can be availed under this plan,

subject to the payment of an additional premium of Re.1/- per thousand Sum Assured. This is inclusive of the maximum limit of Rs.25,00,000 placed under other life insurance plans taken from Life Insurance Corporation of India.

· Flexibility to pay premiums in advance: A policyholder will have the flexibility to pay the next yearly premium in advance (in maximum three instalments). She will be eligible for a premium rebate of 4% p.a. for complete number of months on the portion of premium paid.

· Option to receive maturity benefits in the form of an annuity: The policyholder will have the option (to be exercised 6 months before the date of maturity) to receive the maturity proceeds (including Guaranteed Additions and bonuses) in the form of an annuity. The immediate annuity rates prevalent at the time of maturity will be applicable.


Survival Benefits:

Survival benefits will be paid at the end of 5, 10 and 15 years. As a percentage of basic sum assured for a 15 year plan the insured will receive 20 percent each at the end of 5 years and 10 years respectively. In case of a 20 year plan the insured will receive 20 percent at the end of 5, 10 and 15 years respectively.

Death Benefit:

Full Sum Assured irrespective of all earlier survival benefits paid plus Guaranteed Additions

Plan Features Continue

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