+91 9998272519 Jayesh@licadvisor.in

LIC Jeevan Shiromani Plan (847) Details

New LIC Plan Jeevan ShiromaniLIC Jeevan Shiromani (Plan 847). LIC’s Jeevan Shiromani is a power packed Money back plan specially designed for High Net-worth Individuals (HNI’s). This plan is so unique, with several innovative features which is not available in any other plans from LIC of India.

LIC Jeevan Shiromani (Plan 847) – Key features.
  • Minimum Basic Sum Assured of the plan shall be Rs. 1,00,00,000 (One Crore).
  • Guaranteed Additions at the rate of Rs. 50 per thousand Sum Assured for the first five years and Rs. 55 per thousand Sum Assured for the remaining years shall be accrued to the policy.
  • The policy shall participate in the profit of the corporation in the form of loyalty additions. Loyalty Additions shall be available at the time of exit from the policy, due to death claim or maturity and is after a premium payment and completion of 5 full years.
  • The plan has an inbuilt Critical Illness Benefit coverage for fifteen specified critical illnesses.
  • Policy term can be opted from 14, 16, 18 and 20 years.
  • Premium paying term will be four years lesser than the term of the plan opted.
  • Survival benefits available under the plan can also be deferred, as per the wish of the policy holder, which adds to the flexibility of the plan.
  • Settlement option for 5, 10 or 15 years shall be available for maturity as well as death benefits under the plan.

Plan Parameters

Age at Entry 18 years (Completed)
Calculate your Age
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 1,00,00,000 and above in multiples of 5,00,000
Premium Paying Mode Yearly, Half Yearly, Quarterly & Monthly (SSS and NACH Only)
Premium Payment 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
18 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 Sum Assured (Basic Sum Assured) + Guaranteed Addition (GAs).

In case of death after completion of 5 policy years and before maturity, the death claim will be Sum Assured (Basic Sum Assured) + Guaranteed Addition (GAs) + Loyalty Addition (LA).

New LIC Plan – Jeevan Shiromani – જિવન શિરોમણિ (યોજના – 847)

jeevan Shiromaniજિવન શિરોમણિ (યોજના – 847)
(19 મી ડિસેમ્બર 2017 પર લોન્ચ થશે)

# નોન-લિન્ક્ડ
# નફાસાથે
# મર્યાદિત પ્રીમિયમ ચુકવણીની મુદત
# પૈસા પરત(મની બેક)
ન્યૂનતમ એસ.એ.: રૂ. 1 કરોડ
(ત્યારબાદ 5 લાખના ગુણાંકમાં)
મહત્તમ SA ની મર્યાદા નથી.
ન્યૂનતમ ઉંમર: 18 વર્ષ પૂર્ણ
પોલિસી ટર્મ: 14, 16, 18 અને 20 વર્ષ
પ્રિમ પેઇંગ ટર્મ: (પોલિસી ટર્મ – 4)
14, 16, 18 અને 20 ની શરતો માટે અનુક્રમે 55, 51, 48 અથવા 45 * પ્રવેશના માટે મહત્તમ ઉંમર.

બધા મોડ્સ માન્ય

ગેરેંટેડ એડિશન:
રૂ .50 / – દર 1000 SA માટે પ્રથમ 5 વર્ષ
બાકીના પીપીટી માટે 1000 એસએ દીઠ રૂ. 55 / –

લાભો :
5 વર્ષ દરમ્યાન મૃત્યુ: એસ.એ + જી.એ
5 વર્ષ પછી મૃત્યુ *: એસ.એ. + જીએ + એલ.એ.

ડેથ મૂળ એસ.એ ના*: 110 ટકા બી.એસ.એ. અથવા 10 ગણો એ.પી. અથવા 105% પ્રિમીયમ ચૂકવેલના.
જે વધુ હશે તે

સર્વાઇવલ બેનિફિટ્સ:
14 વર્ષ ટર્મ માટે: 10 મી અને 12 મી વર્ષમાં બીએસએના 30%
16 વર્ષની ટર્મ માટે: 35% 12 મી અને 14 મી વર્ષે
18 વર્ષ ટર્મ માટે: 14% અને 16 મી વર્ષે 40%
20 વર્ષ ટર્મ માટે: 16% અને 20 મી વર્ષમાં 45%
પાકતી મુદત પર એસએ: જીએ + એલએ સાથે બાકી રહેલ એસ.એ.

# ઇનબિલ્ટ ક્રિટીકલ ઇલનેસ
(15 ક્રિટિકલ રોગોના નિદાન પર 10% બીએસએસ + 2 વર્ષનું પ્રીમિયમ હોલિડે)
# 1 વાર્ષિક પ્રીમિયમ પછી ચુકવેલ અપ
# ડેટિંગ બેક લીન મંથ માન્ય
# 1 કરોડનો વધારાનો અકસ્માત લાભ.
# સમાધાન વિકલ્પ
# એસ.બી. પછીથી વ્યાજ સાથે લઈ શકાય છે.
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Link Your AADHAAR And PAN To Your LIC Policies

 Life insurance companies have to mandatory obtain their customers’ Aadhaar numbers and link the same with their respective policies. This follows an amendment in the Prevention of Money Laundering Act (PMLA) Rules, 2017 in June of this year.

Before you start the online process, keep these documents and numbers handy:

• Policy numbers
• Make sure that your mobile number is updated in your Aadhaar card. If not, then get it updated before linking them. You will have to enter the mobile number as registered with UIDAI as the OTP generated will be sent to this number.

Step 1: Visit the LIC website, and on the homepage click on ‘Link Aadhaar and PAN to policy’.

Alternatively, click here to go directly and click on ‘Proceed’.

You can also click here to go directly to the linking page (https://kyclink.licindia.in/UIDSeedingWebApp)

Step 2: Fill and submit the form after furnishing Aadhaar, PAN, email, and mobile number.
Step 3: A message will be shown on the success of the registration for linkage.

Step 4: After verification with UIDAI, an SMS or email confirmation will be sent to you. The verification may take few days.

If for any reason you cannot do the linkage online, or especially when you are not required to hold PAN (and therefore have to furnish Form 60), here’s how you can link your policies offline:

What you need:
• Aadhaar /PAN mandate form
• Self-attested copy of Aadhaar card and PAN Card / Form 60
• Policy numbers.

To get the form, either ask your agent to get one for you or download from the LIC website – On the homepage click on ‘Download Aadhaar /PAN mandate’.

The Form ( as on LIC website) opens up as a PDF document.

After filling the form, you can submit this Aadhaar / PAN Mandate Form along with a self-attested copy of Aadhaar card and PAN Card / Form 60 at the nearest LIC Branch for linking of your Aadhaar / PAN number to your policies. While self-attesting, it’s better to mention on the photocopies the purpose of furnishing the self-attested documents, i.e., for the purpose of linking of policies, in order to minimise the misuse, if any.

LIC advisory
After messages started floating around in social media regarding the linking process of LIC policies through SMS, LIC had recently come out with an advisory stating, “LIC of India informs the public and policyholders that no such message has been sent by LIC. Also no facility to link Aadhaar number to policies is available through SMS in LIC.” To avoid any misuse of one’s personal information make sure to go through your agent or visit the LIC office directly.

Aadhaar or PAN compulsory for new registration on LIC website
To access online services on the LIC website, the insurer had already made it compulsory to furnish PAN or Aadhaar number. Policyholders looking to register for online services will have to either provide PAN or Aadhaar number in addition to other details such as policy number and date of birth.
Click here to know more about it.

LIC of India has launched its new Single Premium – Jeevan Utkarsh Plan (846)

LIC Jeevan Utkarsh (Table No: 846) is Single Premium Plan with Fixed Term of 12 Years. Enter your details to calculate your single premium including appliable GST as per your age and Sum Assured.

LIC of India has launched its new Single Premium, Closed ended plan Jeevan Utkarsh, Plan No. 846. This plan will be available for sale from 06/09/2017 up too 31/03/2018.

LIC’s Jeevan Utkarsh is a Non-linkedwith profits, saving cum protection plan in which risk cover is 10 times the single premium.


Benefits of LIC Jeevan Utkarsh Plan 846

There are two types of benefits in LIC Jeevan Utkarsh Plan 846.

# Maturity benefits of LIC Jeevan Utkarsh Plan 846

If the Life Assured surviving to the end of the policy term, “Sum Assured on Maturity” along with Loyalty Addition (LA), if any, will be payable. Where “Sum Assured on Maturity” is equal to Basic Sum Assured.

# Death Benefits of LIC Jeevan Utkarsh Plan 846

a) If death occurs within the first 5 years of policy

If death occurred before the commencement of risk, then LIC will refund the single premium without any interest on it. Also, this refund of single premium will not include any taxes, extra premium chargeable under the policy due to underwriting decision and rider premium, if any.

If death occurred after the commencement of risk, Sum Assured will be payable to nominee without any additional benefits.

b) If death occurs after the 5th years of policy and before maturity

Sum assured which is equal to 10 times of your single premium and Loyalty Addition will be payable to the nominee.

Sum Assured at death will be highest of the below

-125% of the single premium; or

-Guaranteed Sum Assured on Maturity i.e. Basic Sum Assured; or

-10 times of Single Premium

Loyalty Addition of LIC Jeevan Utkarsh Plan 846

Along with Sum Assured, this plan offers you the benefit of Loyalty Addition or LA. You will be eligible for LA after the completion of five policy years in the form of Death during the policy term or Maturity.

Settlement option of LIC Jeevan Utkarsh Plan 846

This feature I think first time introduced by LIC. You can receive the settlement amount (death or maturity) in installments over the chosen periods like 5 Yrs, 10 Yrs or 15 Yrs instead of a lump sum one-time settlement.

The policy holder has to choose this option but not the nominee. You can receive this maturity installment settlement either in monthly (Minimum Rs..5,000),  Quarterly (Minimum Rs.15,000), Half-Yearly (Rs.25,000) or yearly (Minimum Rs.50,000).

If your chosen option is below the above-said minimum limits, then you will receive it as a lump sum settlement only.



Important of LIC Agent

LIC Agent Changdlodia-Gota

Yes it is true insurance agent getting commission on selling insurance policies.
Like other professional like – doctor- charges hefty fees for diagnosis 500 to 1500 as his experience or for operation in lakhs- with no guarantee of life (other commission on blood test and other tests he is suggesting)

Advocate – fighting case in court so many years postponed dates with handholds of court employees and looting fees from his client – with no guarantee of victory – actually he is lying in court and with his client – by knowing that his client is wrong person – LIC agent never tale lie either to client or to insurer. ..

Agent is getting his commission for proposing clients proposal and on his moral hazard LIC giving insurance to the proposer… he is giving services to his customer till policy term and thereafter also

IN CASE of unfortunate death of policy holder only LIC Agent going with sympathy to the family and help them to get the death claim amount (one thing must be noted that LIC is one of non corrupt institute and our agents behaviour is like that) we trust.

If any person dies with debt or mortgage his property loaner will come for recovery. …
friends Insurance is not a INVESTMENT for high Return ! Insurance is for the financial safty of our beloved one !

Nobody is going to purchase insurance policy only buy on the request by agents. …
Because insurance is the matter of solicitation. …

So if agent is getting commission he is getting his reward (honorarium) from insurance company and not from policyholders’ premium…becoz insurer giving return on his investment…

Think twice before blaming to agents for getting handsome commission that if agent would have been not come to sale.. how many families will be in financial trouble on death of bread winner of their family 😢😭

भारत में Life Insurance:

1. हम भारतीय अपने बच्चे की पढ़ाई के लिए gold खरीदते हैं मगर बच्चे के लिए education का कोई insurance प्लान नहीं लेते

2. किसी insurance advisor(एजेंट )को देखकर हम खुद को आर्थिक सुरक्षित महसूस करने की बजाए डरते हैं।

3. सिर्फ 29 करोड़ भारतियों के पास जीवन बीमा है जबकि भारत की जनसंख्या 130 करोड़ है।

4. हम ₹3000 के मोबाइल का screen guard तो खरीद लेते हैं मगर अपनी जिंदगी जो कि अनमोल है उसका बीमा नही करवाते।

5. हम एक अजनबी से अपनी बेटी की शादी तो कर देते है मगर कोई अजनबी हमें बीमे की सलाह दे तो हम कितना ज्यादा सोचते हैं।

6. हम आपस में भागवत गीता और कुरान के लिए लड़ते हैं मगर यह नही सोचते कि मौत एक सचाई है।

7. अपनी चपल तक को सुरक्षित रखने के लिए हम 5 रुपये stand वाले को दे देते है मगर अपनी लाइफ को insure करने के लिए 20 रुपये रोजाना के नही खर्च सकते।क्या हमारी जिंदगी चपल से भी कीमती नहीं है???

8. हम बाबाओं के magic (जादू )पर यकीन करते हैं मगर insurance advisor के logic (तर्क) पर यकीन नही करते।

9. हम सरकारी पेंशन भोगी मुलाजिमों की बात करते हैं मगर कुछ पैसा अपनी लाइफ टाइम पेंशन के लिए अलग से बचाना पसन्द नहीं करते।

10. विश्व जनगणना के अनुसार लगभग 10000 लोग हर रोज सुबह अपने लगाये अलार्म के अनुसार नहीं उठ पाते।

Please remember :
Fire Engine or Fire brigade comes with alarm but Death Engine never .

11. घर में बिजली बंद होने के दौरान light के लिए हम लोग invertor खरीदते हैं ,आप अपने परिवार के लिए कमाते हो तो आप अपने परिवार के लिए LIGHT की तरह हो और insurance पालिसी एक invertor की तरह है जो आपके न होने पर घर में light की तरह जगमगाती है।

12. आप अपने मोबाइल सिम कार्ड का और अपने ATM कार्ड का balance जानते हैं , मगर क्या आप अपने Life कार्ड का balance जानते हैं ??

अपनी जिंदगी के कार्ड को Insurance policy के साथ आज ही से recharge करवाएं।

LIC-. *जींदगी के साथ भी..!
जींदगी के बाद भी—!!!

आपका शुभचिंतक!

LIC Agent Ahmedabad

LIC – Best Life Insurance Company in World

Life Insurance

  • LIC OF INDIA Is Declared Number ONE Insurance Company in the WORLD..
  • Total premium income was 3,80,042 crores
  • Life Fund is more than 16,07,025 crores.
  • Fastest death claim record...
    A Death Claim of 3.11 crores was settled in central office...Within 15 minutes it was deposited into bank account of Nominee after committee accepted it...
  • LIC of India Total Book Assets is 17,06,192 Crores...Market value is much more...TS
  • International All Over world Premium Collection is 265.13 million dollars..
  • In LIC Annual report provision for BAD AND SUBSTANDARD ASSETS is only 0.2%.
  • In 11 th 5 year plan lic had invested 7,04,151 crores..
  • LIC of India is the largest insurance company in the world. 29.61 Crores Individual Policies and group policies 11.54 crores.
  • All Major Private companies got loan from LIC.
  • In india every ONE MINUTE we are using is mostly funded with loan by Lic i.e road,public utilities, highways, flyovers, electricity, rural sector....
  • LIC of india does not take loan but LIC of india gives loan to everybody

LIC Agent Ahmedabad

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