LIC Jeevan Saral

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Policy Discontinued
LIC Jeevan Saral Plan

 

LIC Jeevan Saral is actually an endowment policy with a lot of flexibilities that is usually available only with unit linked insurance plans. Hence it is categorized under Special Plans. This is a non unit-linked insurance plan with Double Death Benefit of Sum Assured + Return of Premium.

 

In this plan, the premium amount is decided by the policyholder and he gets 250 times the monthly premium as Sum Assured. If the Life Insured survives the entire term, then he would receive Maturity Sum Assured + Loyalty Additions. The Maturity Sum Assured depends on different entry ages and policy term and is specified at the beginning of the policy.

Now, if the Life Insured dies within the policy tenure then his nominee would receive the Sum Assured + Return of premiums excluding extra/rider premium and first year premium + Loyalty Addition, if any.

Thus, the Death Benefit would be the same irrespective of age of entry and policy term since it depends only on chosen premium amount but the Maturity Benefit would differ according to varied age of entry and policy term. 

  • This plan provides certain flexibilities unlike other endowment plans and hence is a Special Plan
  • The policyholder can choose his own premium amount and Sum Assured gets determined thereafter
  • The plan will allow partial surrender from 4th year onwards subject to certain terms and conditions
  • The policyholder is allowed to choose a flexible term for premium payment

 

Get the Best Endowment Plan Compare Endowment Plans


Key Features of LIC Jeevan Saral Plan

  • Premium is chosen by the policyholder and Sum Assured is 250 times the Monthly Premium amount.
  • Death Benefit is Sum Assured + Return of premiums excluding extra/rider premium and first year premium + Loyalty Addition.
  • Maturity Benefit is Maturity Sum Assured + Loyalty Additions, if any.
  • Partial surrender of the policy is allowed after the 3rd policy year.
  • Extended risk cover for one year after 3 years premium payment.
  • Optional higher cover through Term Rider and Accidental Death and Disability Benefit.
  • You can choose a maximum term but can surrender at any time without any surrender penalty or loss after 5 years.
  • Loyalty Additions are provided from 10th policy year onwards.

 

Benefits you get from LIC Jeevan Saral Plan

 

Death Benefit – In case of death of the Life Insured, the nominee receives

  • Sum Assured (i.e. 250 times the Monthly Premium) +
  • Return of premiums excluding extra/rider premium and first year premium +
  • Loyalty Addition, if any

 

 

Maturity Benefit – At the maturity of the policy, the insured will get

  • Maturity Sum Assured (Depends on age of entry and policy term) +
  • Loyalty Additions, if any.

 

 

Income Tax Benefit – Premiums paid under life insurance policy are exempted from tax under Section 80 C and maturity proceeds are exempted from tax under Section 10 (10D)

 

 

Eligibility conditions and other restrictions in LIC Jeevan Saral Plan

 

Minimum

Maximum

Sum Assured (in Rs.)

250 times Monthly Premium

Policy Term (in years)

10

35

Premium Payment Term (in years)

10

35

Entry Age of Policyholder

12

60

Age at Maturity

-

70

Monthly Premium (in Rs.)

For Age 12 to 49 years: Rs.250/-

For Age 50 to 60 years: Rs.400/-

Rs. 10,000/-

Payment modes

Yearly, Half-yearly, Quarterly, Monthly and SSS

       

 

Get the Best Endowment Plan Compare Endowment Plans

 

Sample illustration of LIC Jeevan Saral Plan

 

The below illustration is for a healthy Male of 35 years (non-tobacco user) opting for a Annual Premium = Rs. 4704 and Policy Term = 25 years respectively.

LIC Jeevan Saral Sample Returns

 

 

Additional Features and Benefits of LIC Jeevan Saral Plan

 

Riders- There are 2 additional riders available:

  • Term Rider- The minimum and maximum age at entry will be 18 and 50 years respectively and the minimum Sum Assured will be Rs.1 lakh upto a maximum of Rs 25 lakhs.
  • Accidental Death and Disability Benefit 

 

 

What happens if?

 

You stop paying the premium – If you stop paying the premiums after 3 policy years, the policy acquires a Paid Up Value for a Reduced Sum Assured but the policy would be eligible for any future regular additions.

 

You want to surrender the policy – There is a Guaranteed Surrender Value after 3 policy years
Guaranteed Surrender Value = 30% of all premiums paid – 1st year’s premium

Special Surrender Value = 80% of Maturity Sum Assured if 3 or more years’ but less than 4 years’ premiums have been paid; 90% of the Maturity Sum Assured, if 4 or more years’ but less than 5 years’ premiums have been paid and 100% of the Maturity Sum Assured, if 5 or more years’ premiums have been paid

 

You want a loan against your policy – Loan facility is available under this policy

 

 

Alternate endowment plans from different insurance companies

 Aviva Dhan Vriddhi Plan

ICICI Prudenetial GSIP

Met Saral Plan

 

Other endowment insurance plans from Life Insurance Corporation of India

LIC Endowment Assurance - with profits

LIC Endowment Assurance Limited.  Payment - with profits

LIC Jeevan Mitra

LIC New Jana Raksha Plan

LIC New Jeevan Shree 1

LIC Jeevan Pramukh

LIC Bima Nivesh 2005

LIC Jeevan Amrit

 

Get the Best Endowment Plan Compare Endowment Plans

 

Videos on LIC Jeevan Saral

 

 

~ By Deepak Yohannan
Note: This is a statement of facts based on the information collected from the LIC Jeevan Saral brochure and insurance company's website. It should not be construed as a Critical or Favourable LIC Jeevan Saral Review, Analysis or Recommendation.
Insurance is a subject matter of the solicitation.


Leave a Comment

Hi I have paid only 4 months premium total 20000/- . I don't want to continue as I have already a Jeevan Saral. Initially I thought I can afford two policy(jeevan Saral) but its unaffordable for me. I want to close the account what to do? How much money I will get back?

By Swarup Basuri on Oct 16, 2014 Reply

The policy can be surrendered after it has been in force for at least 3 full years. The Guaranteed Surrender value will be equal to 30% of the total amount of premiums paid excluding the premiums for the first year and all the extra premiums and premiums for accident benefit / term rider.

Replied By Manoj Aswani (MIC Staff) on Oct 21, 2014 Reply

Dear Sir,I’ve started the LIC Jeevan Saral T. No. 165 from Mar, 2011 wherein I had been paying the premium of INR.11,625 per month for 3 years.
I requested LIC to change of frequency from per month to 6 months from Mar 2014 at a premium of INR 69,450/-. I intend to surrender after 5 years i.e. Special Surrender Value and the computation of surrender value would be 11625*36 + 69450*4 = 6,96,3000. Kindly revert to me, if my calculations are incorrect.

By Rajagopal A on Sep 21, 2014 Reply

Life insurance policy is a long-term contract. If you surrender the policy then you lose a lot of possible benefits such as guaranteed additions, bonus, etc. Annual premium of 69,000 odd is a good investment amount and if managed rightly you could create a good corpus for yourself and family. I suggest you meet a certified financial planner and plan out your investment strategies.

Replied By Manoj Aswani (MIC Staff) on Sep 22, 2014 Reply

sir meri age 30 years hai aur mujhe new policy suru karni hai.monthly 5000-6000rs primium bher sakta hoon. Please tell me the best policy i go for.

By Sehajpal Singh on Sep 16, 2014 Reply

Visit this page and fill up the details

http://www.myinsuranceclub.com/life-insurance/endowment-insurance

Enter the sum assured amount as 500,000

Replied By Manoj Aswani (MIC Staff) on Sep 20, 2014 Reply

Dear Sir,
I have LIC's Jeevan Saral(with Profits) 165 table with rs 510 as monthly premium, policy start date 20.11.2008 i.e. approx 5 yrs 09 months. Till date i have paid 35500.00/- as the premium towards this policy.
I want to surrender this policy as I require money can please tell me what amount i will get?

By Sneha Jadhav on Sep 16, 2014 Reply

If you surrender a life insurance policy then the surrender charges are very high in the initial years. You may end up getting anywhere between Rs.6000 to Rs.10000 if you surrender now.

Replied By Manoj Aswani (MIC Staff) on Sep 20, 2014 Reply

sir meri age 33 year hai mujhe 2year se diabities hai mein kon sa mediclaim le sakta hu jisse mujhe aur meri family ko risk cover mil sake & term insurance plan ke bare mein bhi aap mujhe jankari de ki term insurance plan kya hai & kon sa best hoga Approx Yearly 5000-6000

By Manish Soni on Aug 14, 2014 Reply

For Diabetes, take a seperate policy for yourself

Apollo Munich Energy Plan - for Type II diabetic people till 65 years of age.

Max Bupa Heartbeat Family First Plan

Star Health Diabetes Safe Plan - a health plan especially designed for Type II Diabetic.

Take another policy to cover your family members.

Visit here to find a list of term plans for you

http://www.myinsuranceclub.com/life-insurance/term-insurance

Replied By Manoj Aswani (MIC Staff) on Aug 16, 2014 Reply

Dear sir, i have purchased jeevan saral policy (table no 165) in Dec-2010, with yearly premium Rs. 6000/- for 20 years . can you tell me how much i will get in the end of 20 years or if i surrender after five years which amount i will get. my agent has tell it to me is around 400000 will be on my hand after 20years . is it right
by VAASANTHI P.N

By Vaasu Panchetti on Aug 07, 2014 Reply

The expected returns from your policy will be mentioned in a sheet called Sample Illustration. You would have got this sheet with your policy document. If you don’t have this document then you can try to call on the LIC helpline and they will be able to help you with the details.

Do not surrender the policy if you can afford to pay the premiums. Life insurance is a long-term contract and it will not reward you if the policy is surrendered midway.
 

Replied By Manoj Aswani (MIC Staff) on Aug 09, 2014 Reply

Dear Sir, I have purchased policy Jeevan Saral(table no 165) in apr-2011,with halfyearly premium Rs. 12130/-i was told by the agent my return will be after 20 years 12 lakhs

By Narendra Pandey on Jul 17, 2014 Reply

Jeevan Saral is an endowment policy which gives guaranteed returns at the end of the policy term. If you open your policy document, there will be a document titled 'Sample Illustration'. This document will show you a chart of premiums payable, maturity benefit and surrender benefit.

If you refer to this simple chart, you will see the maturity amount mentioned in the last row of the chart.

Replied By Manoj Aswani (MIC Staff) on Jul 21, 2014 Reply

Hi,

I have a Jeevan Saral policy of 31538 / Half yearly for 35 years. Could you please let me know how do I come to know if I have 6% or 10% loyalty. Also, is there any way to come up with the Maturity Sum assured? (if not accurate at least approximate number)

By Harsh Shah on Apr 27, 2013 Reply

Hi Harsh, the 6% and 10% are not guaranteed and it is not as if you will get one of them. These are just indicative rate of returns which can be used by the insurer to show some tentative returns, as approved by IRDA. In reality you may get more or even less than 6%.

On the Maturity Sum Assured, the best way to do it is to call the agent who sold you this plan. We do not have access to this information.

And why are you looking for this information? Are you looking at surrendering it?

Replied By Admin (MIC Staff) on Apr 29, 2013 Reply

Dear Sir, I have purchased policy Jeevan Saral(table no 165) in Jan 2012, with quaterly permium of Rs. 30625/QLY, i was told by the agent my return will be after 10 years 25lakhs, but in policy certificate i can't find such commitments and from other agents they says its impossible and says that agent cheated me!..
can you please reply me asap?..
By Mohammed

By Shafeeq Bm on Apr 24, 2013 Reply

Dear Mohammed, there is no guarantee that you will achieve this amount. Hence the policy document will never mention things which cannot be committed to you.

It is tough to understand how the 25 lakhs commitment has been made to you. Even if you assume a 10% growth rate, this number is difficult to achieve. So there seems to be something amiss.

Have you checked with the agent which sold you the plan? Did he show you any illustration and do you have a copy of that with you?

Replied By Admin (MIC Staff) on Apr 27, 2013 Reply

i can give you my policy no#, name & agentcy code
Hope with those details, you can check.
Please reply asap..

Replied By Shafeeq Bm on Apr 28, 2013 Reply

Dear Mohammed, there is nothing that we can check from here. The commitment made maybe incorrect. We suggest you immeditaly walk in to the local LIC office and get the doubts clarified. The team there will surely help you out.

Replied By Admin (MIC Staff) on Apr 29, 2013

Hi Sir, i have purchase Policy JEEVAN Saral (Table No. 165) in 2010, my Premium Payment 4804 policy term 15 year. please advice how much return after 15 year. is it Assured amount or other ?
Ram Kumar

By Sharwan Kumar on Apr 21, 2013 Reply

Hi Sharwan, it is very difficult to predict returns in such plans. Your returns would greatly depend on the the loyalty additions which will be eligible after 10 years of premiums payment.

The total you would get = Maturity Sum Assured + Loyalty Additions = Rs. 8,56,272 + Loyalty Additions. Since the loyalty additions are variable, it is difficult to predict.

Replied By Admin (MIC Staff) on Apr 22, 2013 Reply

I am 20 years old girl wanted to invest in LIC which poliyc will be better for me and ma future..ma monthly current income is 7000. pls suggest me any good poliyc....accordingly ma income.......and m doing ma studies alsoo continue.....

By Kavya Kajal on Apr 18, 2013 Reply

Hi Kavya, its great that you are already thinking of financial planning. It is a very good sign. Superb.

However, given your age and income we would not recommend that you get into insurance policies currently.

Insurance needs to be taken when there are people dependent on your income. If that is the case, the first life insurance plan you should be taking is a term insurance plan, something to the tune of 10 times your annual income. So in case something happens to you, those surviving on your income will get a lumpsum amount of money. In term insurance plans, you do not get back the premiums you have paid.

Save small amounts of money every month in a bank account and maybe move into FDs to grow the money.

Do let us know if you still want an insurance plan.

Replied By Admin (MIC Staff) on Apr 20, 2013 Reply

Dear Sir,
I hold a Jivan saral policy.My yearly premium is Rs 12252 and this is my fourth year with the policy.But I don't want to continue with the policy anymore.Kindly let me know am I eligible to get a 80 % refund under the special surrender value if I surrender the policy right now?Also please inform me what is the time period for the settlement.
Kind Regards,
Kaushik

By Kaushik Gupta on Apr 16, 2013 Reply

Hi Kaushik, yes you would be eligible for 80% of the Maturity Sum Assured if 3 premiums have been paid and not the 4th one. In case you have paid the 4th you would be eligible for 90%.

But the Maturity Sum Assured is actually an amount which needs to be calculated for the years for which premiums have been paid. It is not the Maturity Sum Assured for the plan if all premiums have been paid. The value will depend on the bonus etc which have been received so far. It is best to visit your local LIC office anf get the exact amount as the calculation is a bit complicated.

The time period is difficult to predict. It would depend on the efficiency of the local branch. Dont treat this as a vey liquid instrument and expect a week's turn around or so. It will take time.

Replied By Admin (MIC Staff) on Apr 17, 2013 Reply

Dear sir, I have taken LIC Jeevan Saral Policy in the year 2011 and yearly am paying RS 15012/-. If i want to withdraw now, in the year 2013 then how much amount i will get.

By Mateen Masooda on Apr 15, 2013 Reply

Dear Mateen Masooda, you will get back much lesser than what you have paid. If 3 years premiums are not paid you will get nothing. Guaranteed Surrender Value: The policy can be surrendered after it has been in force for at least 3 full years. The Guaranteed Surrender value will be equal to 30% of the total amount of premiums paid excluding the premiums for the first year and all the extra premiums and premiums for accident benefit / term rider. Special Surrender Value: 80% of Maturity Sum Assured if 3 or more years’ but less than 4 years’ premiums have been paid; 90% of the Maturity Sum Assured, if 4 or more years’ but less than 5 years’ premiums have been paid and 100% of the Maturity Sum Assured, if 5 or more years’ premiums have been paid. The Maturity Sum Assured for this para will be the Maturity Sum Assured corresponding to the term for which premiums have been paid under the policy.

Replied By Admin (MIC Staff) on Apr 15, 2013 Reply

I mr. madhukar genaba Narode plese detail me my policy.

By Madhukar Narode on Apr 04, 2013 Reply

Dear Sir, we will be glad to have someone from LIC Direct team visit you and explain all details of this plan

Replied By Admin (MIC Staff) on Apr 04, 2013 Reply

Never go for any LIC policy, their return never beat inflation, invest in FD, PPF or Mutual fund is better option instead.

I have taken this policy and paid 3 premium and later on realize that this is waste of money, now planning to pay 2 more premium before surrender.

If you guy want your money grow choose other investment instrument not LIC, here you will get on 6-7 % return which is very less.

Thanks- Pratap

By Pratap Mishra on Apr 04, 2013 Reply

can the nominee withdraw the amount aftr the completion of 3 years if the policy holder is missing ?
please help !!

By Sonu Mathias on Apr 01, 2013 Reply

Hi Sonu, this is a tricky situation. In case the policyholder is missing, the nominee would have to wait for 7 years till a confirmation of death is received. That would be the date of confirmation of dealth. The policy unfortunately would have to be kept alive till then to receive the benefits. As step 1, the insurance company should be informed in writing. Step 2, inform the police and simultaneously apply for the dealt certificare. The missing person case for insurane companies is a long wat.

Replied By Admin (MIC Staff) on Apr 02, 2013 Reply

what is this loyalty additions .. on what basis it is decided as 6% or 10%

By Bharath Gowda on Mar 30, 2013 Reply

Hi Bharath, loyalty additions are given to the policyholder as a reward for having continued with the policy for a specific period. So in some cases you may get loyalty additions if you pay regularly for 10 years. In some cases it would be on maturity. So its more of a reward for being an active policyholder. The 6% and 10% are just indicative returns. Since no one can predict what exactly the benefits will be in an insurance policy 20 years from now, IRDA has allowed insurers to display indicative returns based on 6% and 10%.

Replied By Admin (MIC Staff) on Mar 30, 2013 Reply

what are the accidental benifits and is there things like mediclaim present in it

By Kushal Trivedi on Mar 29, 2013 Reply

Dear Kushal, the accidental death & disability part is usually a rider offered along with life insurance plans. In case the death is due to an accident a higher % of the Sum Assured is paid to you over and above the normal payout. In case there is a disability rider, the same extra payout is made if it meets the disability criteria. No it is not like the mediclaim plans which re-imburses the actual expenses borne by you

Replied By Admin (MIC Staff) on Mar 30, 2013 Reply

i am paying jeevan saral policy from 4 years,and yearly premium is @24000.how much amount i will get after 20 years.

By Thadicherla Mohan Krishna on Mar 29, 2013 Reply

Dear Thadicheria Mohan Krishna, in this plan a large part of the return is based on the variable payout which will be paid out year on year. The guaranteed return is actually not substantive enough. So your returns will be based on the variable nature of returns declared every year by the company

Replied By Admin (MIC Staff) on Mar 30, 2013 Reply

please specify approximate amount may get after 20 years.

Replied By Thadicherla Mohan Krishna on Apr 02, 2013 Reply

Dear Sir, As we mentioned this would depend on the average returns you will get. Assuming 6% and 10% rates you would end up with somewhere between 11 lakhs to 15 lakhs. There is no guarantee that these rates would be achieved though. Replied By Admin (MIC Staff) on Apr 04, 2013

sir maine jeevan saral policy li hai maine 1 yearly pay 600050 rs pay kiya hai .mujhe 32 year bad kitna milega .

By Bhupendra Maurya on Mar 21, 2013 Reply

Dear Bhupendra, the exact amount is very difficult to calculate. It is the mix of the "Maturity Sum Assured (MSA)" and the Loyalty Additions which maybe added every year. So you will know that figure once the additions are declared every year - it may change from year to year. The MSA too will depend on your age. Best to ask the agent who sold you this plan.

Replied By Admin (MIC Staff) on Mar 25, 2013 Reply

its depend on loyalty additions declared by lic ....

Replied By Shailu Ramana on Mar 27, 2013 Reply

Dear,
I have a jeevan saral policy, I paid 24000 annually. and My term is for 20 years. Can u plz tell me what will be the maturity benifits for this?

By Nilotpal Sasmal on Mar 21, 2013 Reply

Dear Nilotpal, the exact amount is very difficult to calculate. It is the mix of the "Maturity Sum Assured (MSA)" and the Loyalty Additions which maybe added every year. So you will know that figure once the additions are declared every year - it may change from year to year. The MSA too will depend on your age. Best to ask the agent who sold you this plan.

Replied By Admin (MIC Staff) on Mar 25, 2013 Reply

Dear Sir,


I have policy of jevan saral from last 4 year . i paid 3000 for annual. can u tell me that, is possible to take loan on my policy? if Yes,then whats the limit for that & its return period.

Thanking you,

By Bhushan Patne on Mar 01, 2013 Reply

sir maine jeevan saral 7feb2013 policy li hai 21 year maturity pe benefit kitna milega meri dob 20june1980 hai
mera premium half yearly 4549rs hai plz sir send detail my mail id. Prashant 8485011919

By Prashant on Feb 27, 2013 Reply

dear sir,
i am holding a jeevan saral policy for the past 2 years.i am paying 19125 rs quarterly.if i want to close or surrender my policy after 3 years or 4 years,how much i will be getting in my hand.kindly let me know please.kindly calculate for 3 years ,4 years anf 5 years and tell me.because evrry time i visit lic office diff answers i am getting from diff person.whom can we rely in LIC office.please let me know.thnks in advance

By Dinoop Pillai on Feb 22, 2013 Reply

i have taken LIC'sJEEVEN SARAL (POLICY NO. - 564313186 ) ON date 24/10/2011 for 20 years according 12130/- half yearly .how much benefit can i get after 20 years

By Vipin Kumar Sharma on Feb 21, 2013 Reply

i have started LIC'sJEEVEN SARAL ON date 24/10/2011 according 12130/rs half yearly for 20 years. what benefit can i gat after 20 years.

By Vipin Kumar Sharma on Feb 21, 2013 Reply

Respected sir, Maine Jeevan saral policy December 2011 mein li hai Qtly 3063 rs. deposit karta hoo & 35 Year ka Plan Liya Hai Meri Date Of Birth 18-10-1980 Hai 30 + 35 year = 65 year me mujhe total Approx Kitna Amount Milega , Please Aap Mujhe Clear Kar de,
m.no. 9907326491

By Manish Kumar Soni on Feb 20, 2013 Reply

main jeevan saral policy kara rakhi hai jiska premium 5000 per month pay karta hu mujhe 25 saal bad kitne pAISE MILE SAKTE HAI

By Jagdish Chawla on Feb 19, 2013 Reply

i want to take jeewan saral for a quarterly premium of 7900 for 20 years. i wanna know that what wud be my maturity sum after 20 yrs.(app)... please send all detail on my email id.

By Anil Kumar on Feb 17, 2013 Reply

I hav started paying Jeevan saral in 2011 and completed 3 payments wi ts Feb 2013. I jst wanted to know ab9out thispolicy in detail. Please let me know. my DOB 20061969.

By Srram on Feb 14, 2013 Reply

i want to know advantage or dis advantage of jeevan saral policy, at present my age 43+

By Gautam Datta on Feb 13, 2013 Reply

Sir,
I have taken a Jeevan Saral policy (No 485821539) as per premium Rs 18195/- HLY. I would like to know that after paying continuous 10 years premium how much maturity benefit can I get. Please advise.

By Rajeev Kumar Gautam on Feb 12, 2013 Reply

Hi ,i m sambit behera,i have taken LIC jeevan saral plan for 20 year of monthly instalment of Rs 510.00.I

By Sambit Kumar Bahera on Dec 21, 2012 Reply

Please shere the more details of beneficial policies

By Amit Kumar Sharma on Oct 18, 2012 Reply

Hi, I have taken LIC's Jeevan Saral Policies one two years back and one six months back. Before taking the polies I discussed with the agent that the term of the policy may be fixed 15 years i.e. before my retirement. However, when the policies received it shows that term of both the policies exceeding 15 years. Then I contacted agent and he replied that though the period exceeds 15 years, I can withdraw the policy at any time after 10 years without losing any money. He told that for Jeevan Saral Policy it is benefit that after 10 years it can be withdraw if I do not like to continue without losing money. Please confirm whether it is correct? Normall policy if we withdraw before the policy term, 1st one years premium they will deduct and remaining money will give. So please enlighten me whether Jeevan saral has such a condidtion. And also explain what are the other benefits of this policy.

Thanking you,

Sebastian

By Sebastian Kd on Oct 01, 2012 Reply

YES YOU CAN WITHDRAW AFTER 10 YEARS WITHOUT LOSING MONEY.

Replied By Kaushik Gupta on Apr 16, 2013 Reply

Dear Sirs
I have taken a Jeevan Saral Policy. But due to financial problem i was not able to pay the second premium due on 23rd march,2012. Now in October as my financial problem is solved, i want to pay the premium. But the agent is telling that i would not get the full benefit of the policy as the period of six months expired. Thus, requesting you please to let me know the exact position of the policy, whether to continue or to withdraw it.

Thanks....

By Rishabh on Sep 29, 2012 Reply

please give me the details of jeevan saral policy.cell no 9849131705.

By Diliprathod on Aug 04, 2012 Reply

jEEVAN SARAL is one of the best policy lic has ever produced.Everybody should do.I have done this policy in my wife and daughters name.This is my favorite policy.

By Dipti Kanta Panda on Jul 31, 2012 Reply

i want to know the details of insurance planning because i make insurance of my parents for 6 years

By Salma Asiya Begum on Jul 23, 2012 Reply

Dear
Sir/Mem

I would like to request to you regarding LIC JEEVAN SARAL POLICY
SO please let me know and i want to pay yearly 36000 thousand . 12 years after how much get it ? please check it and let me know.

By Shatu Boro on Jul 18, 2012 Reply

MAINE LIC 28 JUNE 2012 KO KARAI MERI IST INSTALMENT MONTH KYA HONGE OR YO KAB MACHURE HOGI

By Praveen on Jul 07, 2012 Reply

Hai iam invested LIC Jeevan saral policy on 20-12-11- with Rs 25,520/- for year, with 16 years policy. If iam surrended from this policy at this time. my money returne to me or not please reply to me

By Raju on Jul 05, 2012 Reply

Hi,
I have taken jeevan saral policy in July, 2010 which maturity period is 16 years and the same is for my brother which is for 20 yrs. But I want to decrease both the policy, maturity period for 10 years. Is it possible. Please provide the necessary information.

By Tanuja Mulani on Jun 12, 2012 Reply

sir,
I take a jeevan saral policy in April, 2010 which maturity period is 35 years. But I want to decrease the maturity period to 15 years. Is it possible. Please provide the necessary information.
Thanking you.

By Kumar Kundan on Jun 08, 2012 Reply

Hello Every One,

Greeting From the day.

This is Tushar , A financial Consultant about Insurance and Tax.
IF you have any querry regarding you Insurance and tax planning and you want to purchase an insurance plan of any compnay you can take guidance from me..@ 9953687062..and can mail your querry at fsctushar@gmail.com..

With regards'
Tushar Gupta

Keep Insured yourself....

By Tushar Gupta on May 10, 2012 Reply

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I am financial consultant in Easy policy.com delhi.
Anyone interested in tax planning and want to go for insurance policy with good return and high security as per their need...contact me at +91 7503450687

Email ID : azaz.salmani@easypolicy.com

By Mohd Azaz Salmani on May 07, 2012 Reply

Hi Dear,
I am financial consultant in delhi.
Anyone interested in tax planning and want to go for insurance policy with good return and high security as per their need...contact me at +91 7503450687

By Mohd Azaz Salmani on May 07, 2012 Reply

Hello All, I am an LIC agent ( also working in IBM, Bangalore ). I can adivce you best products as per your needs. Please feel to contact me @ deepak.lax77@gmail.com or SMS me to my mobile 9986953322 and I will call you.
Happy to help you - Deepak.

By Lakshmi Deepak on May 06, 2012 Reply

Hai Sir,

I am also interested to get a policy please give me the all details accourding to jeevan saral policy,

Deepak Gupta (09827471280)

By Deepak Kumar Gupta on Apr 19, 2012 Reply

I am a policy holder of Jeevan Saral. The premium paid by me is Rs.2042 per month.
If I want to change the premium amount frm Rs.2042 per month to Rs.500 per month what formalities I have to complete.

Yash Pal Bhayna

By Yash Pal Bhayana on Apr 16, 2012 Reply

sir i want to know how to get my paid premium details through internet , because i have already taken a policy in jeevan saral ;;;;;;;;;;;;;;;;;;;;;;;;;;;;;sir pleaz tell me

By Mohmmad Tariq on Apr 11, 2012 Reply

Table shown in this site is at the entry of age 35 for policy term of 25 years. Please let me know how much I will get at the time of maturity for the following terms:-
Age at the time of entry - 51 years.
Monthly Premium - Rs.6,125/-
Policy Term - 10 years
Name of Policy - Jeevan Saral.
Thanks and Regards.

By Nandagopal Rao on Apr 04, 2012 Reply

i took jeewan saral for a monthy premium of 6000 for 31 years. i wanna know that what wud be my maturity sum after 31 yrs.(app)

By Vicky on Apr 01, 2012 Reply

hi i am siddharth lic agent working in delhi, if you want any information about lic plan like jeevan anand, komal jeevan, jeevan saral, jeevan mitra and many more type of lic plan and get deduction in income tax contact at siddharthkumarlic@gmail.com
take lic and get guaranted return or good return or high security as per their need.........
try it................

By Siddharth Kumar on Mar 30, 2012 Reply

I have LIC Jeevan saral plan - started from 2009, i want to confirm that when its Maturity
our terms is half yearly means we paid 12000/- in a year.
so please tell me how much benifits we can get and when ?


Regards,
Sandhya

By Sandhya Mohite on Mar 30, 2012 Reply

i m 41 year old . i m planning to purchase jeevan saral with rs.2000 as monthly premium, for 16 years... what will b the return if i decide to break the polcy say after 12 years

By Sandeep on Mar 26, 2012 Reply

sir, i want to know that what is the difference between sum assured and maturity sum assured eg i invest rs 24000/annul in jeevan saral the sum assured is 500000 then what is the maturity amount after 15 year or how much i get after 15 yr pl reply.

By Sourav on Mar 26, 2012 Reply

Sum Assured-Rs.20Lacs,Term 15years,what will be the maturity amount in case of policyholder survive

By Krishna Kumar on Mar 22, 2012 Reply

Dear Sir

I want to invest in jeevan saral so please send me full security and details about this plan . I am from delhi

Satish Rana

By Satish Rana on Mar 19, 2012 Reply

Hi Sir,
Maine LIC JEEVAN SARAL Policy Nikali Hai Mai Year ke 5000 De sakta hu Mujhe 16 Years Baad Kitne Milenge.

By Mangesh Kothawale on Mar 16, 2012 Reply

Dear Sir,

I have joined in LIC on 28-Mar-2011. I taken Jeevan Saral.

In this i hav small doubt. in that policy am paying quarterly basis 4594/- only.

Totally i paid 4 dues. wen i have to use my ATM plan? How many dues i hav to paid to get a ATM plan policy?

Regards,
M.Vinoth

By Vinoth on Mar 14, 2012 Reply

policy no.125374341

By Sanjeev Kumar Tiwari on Mar 10, 2012 Reply

Please give me (age 40 yrs)the details of Jeevan saral....I want to invest 6000/- per month, 20 years policy. I want to know more details( sum assurd & LA) about this policy and it's MATURITY AMOUNT ALSO...

By S Dutta on Mar 09, 2012 Reply

I want o invest Rs.100000/year in jeevan saral policy. Kindly tell me any agent that what are the methods of payment of loyality addition in this plan , rate of loyality addition& calculation of maturity amount/loyality addion for 20 years.

By P .Dutta on Mar 09, 2012 Reply

I want to know the details of Jeevan Saral Policy

By Satish Kumar on Mar 05, 2012 Reply

I want to know more
about LIC child plane. Pls suggest me.

By Aman Singh.Anara on Feb 27, 2012 Reply

Hello, Sir/Mam. I am Raj kumar. Age 33 years. dob- 02-01-1978. I live in Muzaffarpur, Bihar. Maine jeevan Saral policy, 20, years Mutrity plan liya hai. Mera First premium year 28-12-2011. Rs 5781 paid hai. please, kind help to me, main yeh jankari pana chhata hoon, ke late fine ke saath month feb date-29-2-2012 tak, next main mujhe kitna premium dena hoga? Thank's Raj. raj.idea.matrix@gmail.com rajcopy2099@yahoo.in M-09507132028 09934895044

By Ms, Aartiasi on Feb 22, 2012 Reply

I want to buy jeevan saral policy but i don't know full details about this policy. please give me details.

By Anand Keshav on Feb 18, 2012 Reply

agar jeevan saral policy 12000/_per year 15 saal ke liye ho to 15 sall bad kul kitna amount milega

By Balbir Chand Sagar on Feb 04, 2012 Reply

my D.O.B is 20/04/1970 if i take jeevan saral policy for 16 yrs @ 24042 /annum for 5 lakh bhima what is the meturity total at the end ofpolicy

By Hanumanth Rao on Feb 01, 2012 Reply

i have taken jeeven saral for 20 years and investing 12010 yearly how much total money i will get after 20 years on maturity pls tell me thanks

By Devinder on Jan 31, 2012 Reply

LIC is not clear on return. agents may mislead you as there is no clearcut information by LIC about return. it says meet agents, bogus LIC want to cheat peoples. jeevan saral says 10% return but no idea it is tax adjusted or lumsum without getting every year

By Chandane on Jan 16, 2012 Reply

mujhe lic jeevan saral policy me invest karna hai agar mai 1500/-monthly pay karu 10 saal tak to mujhe kitna milega AUR KITNA PER.(%) SE MILEGA

By Dilip Rana on Jan 16, 2012 Reply

mujhe lic jeevan saral policy me invest karna hai agar mai 2000/-monthly pay karu 10 saal tak to mujhe kitna milega
aur agar yehi plan mai 15 years tak regular rakhu to kitna milega

By Deepak Kumar Singh on Jan 14, 2012 Reply

Dear sir,

plz confirm me, i take policy jevan saral with profit my premium amount is Rs.1500 p.m policy period is 20 years, how much total amount taken after 20 year.

By Subransu Sekhar Rout on Jan 12, 2012 Reply

its not good plan because bonus is not yet declared , i prefer jeevan anand

By K.Y.Mishra 09867187312 on Jan 07, 2012 Reply

sir,
I was invest 24000/yearly,since two years for the jeevan saral policy plan, my maturity period 18 years.after how much i can get from lic included all benifits.

By Selvaraj. on Jan 06, 2012 Reply

hi i m sunil nd i just take a plan of jeevan saral,soon nd agent mistakly print my dob wrong on the my bond ,i want to know it is a mistake who create any problem in future,pls sugest me on 9999291128

By Sunil Kumar on Jan 04, 2012 Reply

Suppose if i pay 60 k p.a in lic jeevan saral policy andwith out fail i pay the premium for 10 years and no inceident happen with me and if now my age is 34 years and i chose the policy term for 10 years then what exect amount i will get after 10 policy year .

Is the return Maturity Sum Assured is gurrented on bound ?

If MSA is not gurrented on bound then how do i belive the MSA ?

By Malay Nandi on Dec 26, 2011 Reply

My Age =29,
I can Pay premium up to :20000 per Year. for Term 20 yrs.

* Is there any LIC Policy which can provide me below Benifits.>>>

Que 1 : Suggest me a plan under which i can get good Life Cover +Accidental Disablility Amount and what will be my maturitiy amount.
Que 2. whatever amount i will get on Maturity i want it at a time , not in installments. is it possible.

By Prashant Baviskar on Dec 26, 2011 Reply

Sir mai jevan saral policy sarender karna chahta hun is policy kot 3 year compleet ho geya hai 510 monthly pay karta tha but business me loss hone ke wajha se mujhe sarender karna pad raha hai
mujhe kitna paisa milega.

By Nayeem on Dec 25, 2011 Reply

I want to know about my lic policy online then hou it is possible

By Feroj Shaikh on Dec 23, 2011 Reply

APART FROM THE BENIFITS IN SARAL JEEVAN I WANT CRITICAL ILLNESS RIDER TO BE INCLUDED IN THE PLAN SO KINDLY DO REVERT ON SAME. AND IF U CAN SUGEST SOME OTHER POLICY SIMILAR. CANT INVEST MORE THAN RS.500 PM INCLUDING THE RIDERS IN THE POLICY.

THANKS AND REGARDS

By Deepshikha Chanal on Dec 20, 2011 Reply

nice plan

By Nishant Bansal on Dec 15, 2011 Reply

meri umar 31 year hai aur mai yearly 18000/- Rs. premium paid kar sakta hu 30 year ke liye.
after maturity muze kitna amount milega. & if i'm dying mere nominee ko kitna amount milega.

By Sagar Kayarkar on Dec 15, 2011 Reply

I want o invest Rs.100000/year in jeevan saral policy. Kindly tell me any agent that what are the methods of payment of loyality addition in this plan , rate of loyality addition& calculation of maturity amount/loyality addion for 20 year.

raja.

By Raja on Dec 06, 2011 Reply

hi
mai lic jeevan saral ke policy lena chahta hu mai year ke 18000 de sakta hu 16 year ke badh muje kitna mile ga

By B Singh on Dec 05, 2011 Reply

sir , meri age 26 year ki hai main jeevan saral policy lena chahta hu main 12000/- yearly de sakta hu 16 year k baad mujhe kitna milega . please sir reply karna .

By Arvind Pant on Dec 01, 2011 Reply

Please give me the details of Jeevan saral....I want to invest 1021/- per month, 15 years policy. I want to know more details about this policy and it's MATURITY AMOUNT ALSO...

Rajendra....

By Rajendra Kumar on Dec 01, 2011 Reply

I WAS INVEST 1000/- PER MONTH.POLICY TEAR 15YR ,I WANT TO KNOW MORE DETAIL ABOUT MY POLICY &ITS MATURITY SUM AMOUNT

By Anamika on Nov 29, 2011 Reply

Can anybody give comparisation chart between LIC's Jeevan Amulya and ICICI's I-protect, term insurance?

By T A Patil on Nov 29, 2011 Reply

hi
it is the most easiest plan to sell

By Manasranjan Bhuyan on Nov 20, 2011 Reply

I WANT TO KNOW MORE DETAIL ABOUT THIS/ SIMILAR POLICY.

Ram Mohan Gupta

By Ram Mhn Gupta on Nov 15, 2011 Reply

I WANT TO KNOW MORE DETAIL ABOUT MY POLICY &ITS MATURITY SUM AMOUNT

By Binod Paramanik on Nov 14, 2011 Reply

i know this is a good policy but what is bonus .mean to say whats amount of bonus

By Amandeep on Nov 04, 2011 Reply

Know more about this policy

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