Namaskar dosto, main Niraj Jain from OM NJ Insurance Expert Since 2003. Main 2003 se Dharuhera aur pure Delhi NCR me families ko sahi insurance planning me guide karta aa raha hoon.
Aaj baat karte hain ek bahut hi popular aur powerful LIC plan ke baare me – Life Insurance Corporation of India ka LIC Jeevan Utsav.
Agar aap chahte ho:
- Guaranteed income
- Lifetime security
- Risk-free savings
- Retirement ke baad regular income
To ye plan aapke liye interesting ho sakta hai. Chaliye simple language me samjhte hain 👇
LIC Jeevan Utsav Kya Hai?
LIC Jeevan Utsav ek Non-Linked, Non-Participating, Individual, Whole Life Assurance Plan hai.
Simple shabdon me:
- Ye market se linked nahi hai (safe & stable)
- Isme guaranteed benefits milte hain
- Aapko lifetime cover milta hai (100 saal tak)
Is Plan Ki Sabse Badi Highlight – Guaranteed Additions
Is plan me aapko milta hai:
✅ ₹40 per ₹1,000 Sum Assured per year (Guaranteed Additions)
Ye guaranteed hota hai, market par depend nahi karta.
Example:
Agar aapne ₹10 lakh ka Sum Assured liya
To har saal ₹40,000 Guaranteed Addition add hoga.
Policy term ke baad ye amount income ke form me milta hai.
Payout Options – Aap Kaise Paise Lena Chahte Ho?
Isme 2 options milte hain:
1️⃣ Regular Income Benefit
- Policy term ke baad har saal fixed income
- Lifetime tak mil sakta hai
2️⃣ Flexi Income Benefit
- Income accumulate hoti rahegi
- Jab zarurat ho tab withdraw kar sakte ho
- Extra flexibility
Main normally clients ko unki requirement ke hisaab se option suggest karta hoon.
Eligibility Criteria
✔ Minimum Entry Age: 90 days
✔ Maximum Entry Age: 65 years
✔ Premium Paying Term: 5 to 16 years
✔ Minimum Sum Assured: ₹5,00,000
✔ Policy Life Cover: Up to 100 years age
Premium Kaise Decide Hota Hai?
Premium depend karta hai:
- Age
- Sum Assured
- Premium paying term
- Mode (Yearly / Half-yearly / Quarterly / Monthly)
Agar aap Dharuhera, Bhiwadi, Rewari, Gurgaon ya Delhi NCR me ho to main aapko exact premium calculation personally bata sakta hoon.
Death Benefit Kya Milega?
Agar policy holder ki death ho jati hai:
Nominee ko milega:
- Basic Sum Assured
- Accumulated Guaranteed Additions
Yani family financially secure rahegi.
Surrender Value & Loan Facility
✔ Policy 2–3 saal baad surrender ho sakti hai
✔ Loan facility available hai
✔ Emergency me paisa nikalne ka option rehta hai
LIC Jeevan Utsav Kiske Liye Best Hai?
✔ Businessman
✔ Salaried person
✔ Retirement planning karne wale
✔ Safe long-term income chahne wale
✔ Parents jo future secure karna chahte hain
Agar aap risky mutual fund ya share market me comfortable nahi ho, to ye ek stable option ho sakta hai.
Mera Honest Suggestion (My personal advice)
Har plan sabke liye perfect nahi hota. Isliye bina samjhe policy lene se pehle:
- Apni income dekhiye
- Apni liabilities dekhiye
- Future goals clear kijiye
Main 2003 se families ko personally guide karta aa raha hoon. Agar aap Delhi NCR me ho, to ek baar baith kar proper calculation karna better rahega. LIC Jeevan Utsav ek:
✔ Safe
✔ Guaranteed
✔ Long-term
✔ Income generating
✔ Family security plan
Ho sakta h. Agar aap further more details chahte ho ya apni age ke hisaab se exact benefit dekhna chahte ho, to mujhe directly contact kar sakte ho.
👉 Policy lene se pehle kaun-kaun se documents lagenge, ye yahan detail me check kar sakte hain:
https://www.omnjinsurance.in/checklist
📍 OM NJ Insurance Expert Since 2003
Office Address: Shop No: 1, Near Jain Mandir, Old Bazar, Dharuhera, Distt: Rewari, HR 123106
📞 Telephone / WhatsApp: +91-9813839400
📧 Email: info@omnjinsurance.in