Monday, March 30, 2015

LIC New Children Moneyback Policy (T-832)


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LIC New Children Moneyback Policy (T-832)

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  • New Children Moneyback Policy: Non Linked Money Back Plan which is aimed Savings Cum Protection Plan to meet children education, marriage and etc.,
  • Sum Assured : Min: Rs.3 Lacs, Max: No limit
  • Maturity Benefit : After Completion of child age at 18 = 20% of Sum Assured; at 20 = 20% of Sum Assured; at 22 = 20% of Sum Assured; at 25 = 40% of Sum Assured + Bonus+ Final Additional Bonus.
  • Death Benefit : Sum Assured + Accured Bonuses + FAB.
  • Premium waiver rider: If this rider is opted for, in case of death of the proposer, the payment of the premiums falling due after the date of death shall be waived.
  • Loan: loan can also be availed after 3 full years of the payment of premiums.
  • Entry Age of Policyholder: Child Min Age: 0 Years, Max Age: 12 Years.
  • Policy Term: (25 minus age at entry) years.
  • Sum Assured : Min: Rs.1 Lac, Max: No limit.
  • Grace Period: is 30 days for all modes.
  • Mode of Premium payment : Yearly, Half Yearly, Quarterly, Monthly(ECS through salary deduction).
  • Surrender Value: Can be surrendered at any time during the policy term provided premiums have been paid for full three years.
  • Income Tax Reduction : Available under Section 80C.
  • Rebates: Mode Rebates > 2% for Yly & 1% for Hly.
  • High SA Rebates: 2 Lacs to 4.90 Lacs=2%, 5 Lacs & above= 3%


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