Pay Just Rs4000/- pm for 15 yrs and get 50 lacks from LIC of India

New Plan of LIC – PAY JUST RS4000/-PM AND GET 50LACKS FROM LIC OF INDIA.

FEATURES AS FOLLOWS

  • NO MARKET RISK.
  • MATURITY 1500 TIMES OF YOUR MONTHLY PREMIUM.
  • TAX FREE RETURN FROM LIC OF INDIA.
  • RISK COVER OF RS 12.7 LACKS LIFE TIME.
  • GAURANTEED RETURN.
  • LOAN AVAILABLE.
  • ACCIDENT AND DISABILITY BENEFIT AVAILABLE.
  • HIGH RISK COVER WITH HIGH RETURN.
  • RISK COVER OF RS 40 LACKS FROM DAY ONE.

Pls call  9892623601 for more details .           

 

Personal Accident Policy

Scope

This policy is basically designed to offer some sort of compensation to the insured person who suffers bodily injury solely as a result of an accident which is external, violent and visible. Hence death or injury due to any illness or disease is not covered by the policy.

The following types of coverages are offered under a Personal Accident policy:-

Table D

  1. Death cover wherein 100% of the capital sum insured is payable.

Table C

  1. Coverage under Table D
  2. Loss of two limbs / both eyes / one limb and one eye wherein 100% of the capital sum insured is payable.
  3. Loss of one limb or one eye wherein 50% of the capital sum insured is payable.
  4. Permanent Total Disablement other than above e.g. paralysis due to an accident, wherein 100% of the capital sum insured is payable.

Table B

  1. Coverage under Table C
  2. Permanent Partial Disablement i.e. where a part of the body becomes permanently disabled due to an accident, e.g. total and irrevocable loss of use of a finger due to an accident. In such cases, a percentage of the capital sum insured as specified in the policy is paid.

Table A

  1. Coverage under Table B
  2. Temporary Total Disablement i.e. where the insured person becomes temporarily disabled from undertaking any work as a result of an accident for e.g. fracture of legs. In such cases, a weekly payment of 1% of the capital sum insured subject to a maximum limit, is paid for the number of weeks or part thereof (maximum 100 weeks), during which the insured person is totally disabled.

FOR MORE DETAILS CALL 9892623601

What Is The Best Time to Buy Insurance Policy

Buying life insurance is one of the most important financial decisions, but believe it or not, only 10 per cent of Indians are insured.

We list 10 compelling reasons for buying a life insurance policy.

1. LOOKING AFTER YOUR LOVED ONES EVEN AFTER YOU’RE GONE

2. DEALING WITH DEBT

3. HELPS ACHIEVE LONG-TERM GOALS

4. LIFE INSURANCE SUPPLEMENTS YOUR RETIREMENT GOALS

5. BUYING INSURANCE IS CHEAPER WHEN YOU’RE YOUNGER

6. YOUR BUSINESS IS ALSO TAKEN CARE OF

7. TAX-SAVING PURPOSES

8. A TOOL FOR FORCED SAVINGS

9. YOU MAY NOT BE QUALIFIED FOR IT LATER

10. PEACE OF MIND

For More Details Call 9892623601

The Magic Bill

Have You Ever Thought Who Will Pay your Bills in your Absence ?

From your One Source of Income you have many fixed expenses like Education of Kids, Food , Electricity Bill, Society Charges, Medical Expenses, Housing Loan, Cloths, Car Instalments etc.

HAVE YOU EVER THOUGHT WHO WILL PAY THESE BILLS IN CASE OF YOUR ABSENCE ?

LIC , Yes LIC , Just Pay 10% of your monthly income for your family and LIC of India will take care of these Bills and maintain the same lifestyle of your family.

For more details call 9892623601 or mail me sahilicpolicy@gmail.com

 

 

GIFT TO GRAND CHILD – Nobody Plans to Fail  They Just Fail to Plan

” Pay Only Rs6 Lacks once and get money back at his / her age 18, 19, 20 & 21 , total return of Rs22.68 Lacks with risk cover. “

                                                            Features
Death Benefit:

a) On death during the policy term before the date of commencement of risk: Return of single premium excluding service tax and extra premium, if any, without interest.

b) On death during the policy term after the date of commencement of risk: Sum Assured along with vested Simple Reversionary Bonuses and Final Additional Bonus, if any.

Maturity Benefit: Sum Assured, along with vested Simple Reversionary Bonuses and Final Additional Bonus, if any, shall be payable.

ELIGIBILITY CONDITIONS AND OTHER RESTRICTIONS :

1.Minimum entry age                    : 90 days (completed)

2.Maximum entry age                    :  65 years (nearest birthday)

3.Maximum maturity age:                : 75 years (nearest birthday)

4.Minimum policy term                  : 10 years

Date of Commencement of risk:In case the age of Life Assured at entry is less than 8 years, risk under this plan will commence either 2 years from the date of commencement or from the policy anniversary coinciding with or immediately following the attainment of 8 years of age, whichever is earlier. For those aged 8 years or more, risk will commence immediately.

1. LOAN: Loan can be availed under this plan any time after completion of first policy year and subject to terms and conditions as the company may specify from time to time.

2. Guaranteed Surrender Value allowable shall be as under:

A.First year:  70% of the Single premium excluding service tax and extra premium, if any

B.Thereafter: 90% of the Single premium excluding service tax and extra premium, if any.

3. TAXES:  Taxes, if any, shall be as per the Tax laws and the rate of tax as applicable from time to time.

FOR MORE DETAILS PLS CALL 9892623601

Do You Know Your Value ?

The concept of Human Life Value (HLV) is something that we all hear about (especially from the insurance agent!) but do not really know how to calculate. The reason being there is no definitive source of information on the subject.

The fact that there is more than one methodology to calculate the HLV makes the subject even more challenging to understand.

The most common definition of HLV is the expected life time earnings of an individual, i.e. what is the total income that the individual is expected to earn over the remainder of his working life, expressed in present Rupee terms.

For the uninitiated, inflation eats away the value of money; a Rupee today is worth more than a Rupee tomorrow and therefore one needs to suitably ‘discount’ future earnings to express the value in present Rupee terms.

Our view on how HLV should be calculated is quite different from this. HLV in our view is the monetary value of all the yet-to-be fulfilled needs of the dependents plus all the outstanding liabilities.

Why do we define HLV in this manner (notice that we do not factor in earnings at all)?

Simply because even though expected incomes may not be sufficient to meet the needs, the needs are still there. And an individual strives to meet the needs of his/her dependents. So, the HLV thrown up by our definition is really a ‘target’ that you should have in mind; you can and possibly may have to plan for a lower HLV, but don’t despair over that.

The important thing is to set a goal for yourself so that your dependents are well taken care of, whether you are there for them or not.

Here’s an example to understand this better. Let’s calculate the HLV of Vishal, who is married and has a child. In the table all the information about Vishal, his family and their needs is provided. A couple of points from the table need to be explained in more detail.

Particulars

Vishal’s age Years 30
Age of spouse Years 27
Life expectancy of spouse Years 70
Age of child Years 3
Child’s share of monthly household expenditure % 10
Child will remain dependent till Years 22
Monthly household expenditure Rs 40,000
Of the above, how much is spent on Vivek Rs 10,000
Expected inflation in household expenditure % 5
Money to be set aside for child’s education (in present value terms) Rs 1,000,000
Money to be set aside for child’s marriage/other needs (in present value terms) Rs 750,000
Outstanding loans Rs 1,500,000
Other liabilities Rs 500,000
Medical expenditure/emergency fund Rs 500,000
Rate of return on low risk securities/deposits % 8
Human Life Value Rs 16,645,475
If the rate of return on low risk securities/deposits is % 7
Revised Human Life Value Rs 18,183,996

for more details call 9892623601

Why You Should Never Delay For Life Insurance Cover

Life insurance is one of those events like going to the dentist or filing your income tax return – you know you need to do it, but just don’t feel like doing it today , just we postpone it for next time.

It may be costly sometime because of the following reasons .

  • The older that you are, the more expensive your life insurance premium will be.
  • If you’re in good health now, then now is the best time to buy life insurance policy. The condition of your health is never guaranteed, and by delaying applying for life insurance by a few months, or a year or two, could find you dealing with a serious health condition like Diabetes or Heart Attack , the premium for the Life Insurance will shoot up like anything.
  • None of us knows what the future holds, and that includes how long we’ll live. One of the biggest financial tragedies in human existence is a person who dies without any life insurance at all. It’s tragic because it’s fully preventable.

Plan your daughter KANYADAN today

Get Rs . 1300000/- for your daughter marriage.

One time investment of Rs 3 Lacks only.

No share market risk.

No investment in share market.

Get insurance cover of Rs. 6,00,000 from day 1

– if natural death.

Get insurance cover of Rs. 12,00,000 from day 1

– if accident death.

Get life time free increasing insurance cover.

Save tax u/s 80 C.

Save extra tax by paying premium under H.U.F. file.

Get tax free maturity u/s 10(10D).

No T.D.S. deduction on life time income.

Enjoy the benefit of external permanent disability.

Loan against policy is available after 3 years.

Pay only Once.

DOCUMENTS REQUIRED :-

1) Zerox copy of School leaving certificate / Birth certificate / Passport.

2) Zerox copy of Ration card / Electricity bill / mobile bill / telephone bill. 

3)1 passport size photograph.

4) Policy numbers of previous policies. (if any)

5) I.T.R. of last 3 yrs / FORM NO. 16A / Salary Slip of 3 yrs (if required)

6) 1 cheque in favor of  “LIC OF INDIA”.

Pls find the attachments ( lic.jpg ) It shows that lic policy is protected by the government , as per SEC – 37A of LIC act it is liability of government of India in respect of both Sum Assured as well as Bonus of the Policy Holder. ( NO OTHER PRIVATE COMPANY IS HAVING THIS FACILITY EVEN THOUGH EVERY INSURANCE CO. IS UNDER IRDA )

IF YOU ARE INTRESTED,

PLEASE REVERT BACK TO US WITH ….

YOUR NAME, ADDRESS, MOBILE NO. & DATE OF BIRTH.

 INCASE YOU HAVE ANY QUERY FEEL FREE TO CALL ….

VIVEK R. BHATNAGAR – LIC OF INDIA

98 92623601  or  vivekbhatnagar555@hotmail.com 

Note:

this is only an illustration to demonstrate the concept of the plan to the investor.

this should not be constructed as a promise or forecast of any minimum or maximum returns. 

this is a combination of LIC plans.