New Jeevan Nidhi .. एल. आय.सि.न्यू जीवन निधि

It is similar to the old pension plan “Jeevan Nidhi” with small modifications & comes with one time and also regular premium choices.
lic jeevan nidhi pension policyThis is made to protect the risk of living a long time and therefore provides a number of pension options to cover the risk. Pension Plans available from insurance companies assist people to prepare properly for their retirement life.  But deciding upon the proper pension plan policy hasn't ever been simple. The primary purpose of any retirement plan is to get good monthly pension after retirement. However some people today have no idea how much of earnings they are going to receive from the retirement plans when time comes for retirement & additionally number of pension plans available in market do not give a specific idea on what amount the buyer can get at the end. Getting a very good retirement plan will assist to make sure the freedom from post retirement monetary issues. If you have to think of a safe and secure future you will need to start to take action now. Appropriate pension plans offer monetary protection to the policy owners while in their retirement living days & assists them to keep their preferred lifestyle without having any problems. It is necessary to decide on a pension plan very carefully, bearing in mind of particular requirements, needs and limits; to ensure that it could take care of all the old age needs completely.

New Jeevan Nidhi Plan 812 Policy Benefits:

Benefit on Vesting:  On vesting a sum equivalent to the basic Sum Assured together with accumulated assured additions, vested simple reversionary bonuses and Final Additional bonus, if there are any, will be provided to the policyholder. The choices will be there for the Life Assured for usage of the benefit amount of money are mentioned below.
1. To buy an immediate annuity plan like Jeevan Akshay: The policyholder shall have an option to commute the total amount offered on vesting to the extent permitted under Income Tax Act. The whole amount offered on vesting or the balance amount after withdrawing the permitted amount, will likely be used to buy immediate annuity for the then existing annuity rates. Commutation shall just be permitted provided the balance amount is adequate to buy a lowest amount of annuity according to the provisions of Insurance Act, 1938. In the event the overall benefit amount is inadequate to buy the minimum amount of annuity, then your said amount will be given as a lump sum to the policy holder.OR2. To buy a new one time premium deferred retirement plan from Life Insurance Corporation of India. Under this solution the whole income offered on vesting shall be used to buy a single premium deferred pension product provided the insurance holder meets the eligibility requirements for buying single premium deferred pension plan. The policyholder will need to intimate his / her plan to choose a specific choice available on the date of vesting a minimum of six months before the date of vesting.Guaranteed Bonus:  The policy offers for assured additions @ Rs.50/- per thousand Sum assured for each and every completed year, for the 1st five years.

Jeevan nidhi pension plan benefit illustration:

Age : 33 Years
Sum : Rs. 10,00,000Premium payment mode : YearlyPremium Paying Term : 22 YearsDouble Accident Benefit  Premium : Rs. 1000Total yearly premium : Rs. 45942Assumed Bonus Rate : Rs. 38 per thousand sum assured.
Benefits During The Deferment Period
YearAgeRisk CoverPremium Per yearCash Value
NormalAccident
20133310500002050000473620
20143411000002100000466520
201535115000021500004665264575
201636120000022000004665292629
2017371250000225000046652134538
2018381288000228800046652146886
2019391326000232600046652183309
2020401364000236400046652224477
2021411402000240200046652270814
2022421440000244000046652323089
2023431478000247800046652381734
2024441516000251600046652447659
2025451554000255400046652521354
2026461592000259200046652594587
2027471650000265000046652676907
2028481693000269300046652769845
2029491736000273600046652875530
2030501779000277900046652996053
20315118320002832000466521142869
20325218900002890000466521308228
20335319580002958000466521494522
20345420460003046000466521704529
2035550000

In the year 2035, the deferment time period will finish and also the policy is going to be due for annuity (pension) payment. In this year, the Notional Cash Option (NCO) benefit on what the pension will likely be determined is projected to be  Rs. 2046000 (depending on presumed Bonus and Final Bonus Rate). The policyholder have an alternative to withdraw 1/3rd of this sum in lum psum which is free from taxes and make the remainder out there for buying annuity from LIC. At the same time, the whole amount can be used for buying the annuity. The tables below show you the total of pension you may get from LIC's Jeevan Nidhi Plan presently under different pension choices available.
Pension Amount Available With Commutation
Pension Options AvailablePension Mode
MonthlyQuarterlyHalf YearlyYearly
A98782985560459123919
B98212968460118123237
C97072934359300121601
D95482886658345119555
E93662832057254117099
F81272456949752102095
G7934239554838898822
H93322818457049116827
I88432671753980110552
J80702439949343101004

Pension Amount Available Without Commutation
Pension Options AvailablePension Mode
MonthlyQuarterlyHalf YearlyYearly
A148164478290689185879
B147314452690177184856
C145614401588950182401
D143224329887518179332
E140494248085881175649
F121913685474628153143
G119013593372582148233
H139984227585574175240
I132654007680970165828
J121063659874014151506

Pension options available under this plan are as under.
Annuity options

Important Note: 
  • Premium including Service Tax @ 3.09% on 1st year and @ 1.545% for following years.
  • The above mentioned illustration is depending on specific presumptions which are likely to change based on Government/Corporation's policies.
  • The figures shown are in Indian Rupees.

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