AN IDEAL PLAN FOR SAVING AND RETIREMENT PLANNING: LIC's Jeevan Umang


**AN IDEAL PLAN FOR SAVING AND RETIREMENT PLANNING: LIC's Jeevan Umang**

Saving and retirement planning are crucial aspects of financial stability and security. In today's uncertain times, it is essential to have a reliable and comprehensive plan in place to ensure a comfortable and stress-free retirement. LIC's Jeevan Umang is an ideal plan that offers a range of benefits, making it an excellent choice for individuals looking to secure their future.

One of the key advantages of LIC's Jeevan Umang is the affordable premium payment option. With just Rs. 10,000 per month for 30 years, individuals can avail themselves of a host of benefits. This makes it accessible to a wide range of individuals, regardless of their income level. The affordability factor ensures that individuals can start planning for their retirement early on, without straining their finances.

Another significant benefit of LIC's Jeevan Umang is the money-back feature. Policyholders receive Rs. 2,96,000 every year for their entire lifetime. This regular income provides a sense of financial security and stability, ensuring that individuals can maintain their standard of living even after retirement. This feature is particularly beneficial for those who do not have any other source of income post-retirement.

Furthermore, LIC's Jeevan Umang offers a tax-free maturity amount of Rs. 3 Crore. This means that individuals can enjoy the benefits of their investment without having to worry about tax implications. The tax-free nature of the maturity amount adds to the overall attractiveness of the plan, making it a lucrative option for retirement planning.

The plan also guarantees a lifetime income at 8%. This ensures that individuals receive a steady stream of income throughout their lifetime, providing them with financial stability and peace of mind. The guaranteed income feature is particularly beneficial for those who do not have any other pension or retirement benefits.

LIC's Jeevan Umang also offers optional riders such as accidental death and disability benefit, critical illness, and term rider. These riders provide additional coverage and protection, ensuring that individuals and their families are financially secure in case of unforeseen circumstances.

Other notable features of LIC's Jeevan Umang include limited premium payment, whole life risk cover, loan availability, double tax benefits, and multiple premium payment frequency. These features make the plan flexible and customizable, catering to the unique needs and preferences of individuals.

In conclusion, LIC's Jeevan Umang is an ideal plan for saving and retirement planning. With its affordable premium payment option, money-back feature, tax-free maturity amount, guaranteed lifetime income, and optional riders, it offers a comprehensive and reliable solution for individuals looking to secure their future. By investing in LIC's Jeevan Umang, individuals can ensure a comfortable and stress-free retirement, enjoying financial stability and peace of mind.

Comments

Post a Comment

Popular posts from this blog

My Government Schemes

Image
"Explore a comprehensive and convenient one-stop portal dedicated to showcasing a wide array of government schemes tailored specifically for you. This platform provides a wealth of information on various initiatives implemented by the Indian government, ensuring that you stay informed about the opportunities and benefits available to you. From social welfare programs to economic development initiatives, this portal offers an extensive range of schemes designed to address diverse needs and empower individuals across the country. Stay updated and make the most of these government schemes by accessing this user-friendly platform, where you can easily navigate through the detailed information and eligibility criteria. Discover how these schemes can positively impact your life and contribute to the growth and progress of our nation." Details உங்களுக்காக பிரத்யேகமாக வடிவமைக்கப்பட்ட பல்வேறு வகையான அரசாங்க திட்டங்களை காட்சிப்படுத்த அர்ப்பணிக்கப்பட்ட ஒரு விரிவா...
Read more

Ayushman Bharat - 70 வயதிற்கு மேல் உள்ளவர்களுக்கு ₹5,00,000 இலவச மருத்துவக் காப்பீடு.

Image
பொதுவாக 60 வயதை தாண்டி விட்டாலே, இன்சூரன்ஸ் நிறுவனங்கள் மருத்துவக் காப்பீடு வழங்குவதற்கு மறுத்துவிடுவார்கள் அல்லது அதற்க்கான பிரீமியம் தொகையினை மிக அதிகமாக வைத்து விடுவார்கள். அப்படி செய்கையில், 60/70 வயதிற்கு மேற்பட்டவர்களுக்கு மருத்துவச் செலவுகள் வந்தால், அது, அவர்களது/அவர்களுடைய பிள்ளைகளுடைய சேமிப்பினை வெகுவாக கரைத்துவிடும் வல்லமை கொண்டது. மேற்சொன்ன 70 வயதிற்கு மேற்பட்டவர்களுக்கு, தற்போது ஒன்றிய அரசு சார்பினில், Ayushman Bharat ன் Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) திட்டத்தின் கீழ், ₹5,00,000 க்கான மருத்துவக் காப்பீடு இலவசமாக வழங்கப் படுகிறது. இதில் சேருவதற்கு 70 வயது ஆகியிருந்தாலே போதுமானது. இதற்க்காக வேறெந்த eligibility criteria வும் கிடையாது. உங்களது வருமானம், social status, வேறெந்த அரசின்/தனியாரின் திட்டங்கள் (private health insurance policies or Employees’ State Insurance scheme,) மூலம் மருத்துவக் காப்பீடு பெற்றிருந்தாலும், இதில் நீங்கள் சேர்ந்து கொள்ளலாம். உங்களது குடும்பல் ஏற்கனவே Ayushman Bharat திட்டத்தின் கீழ் காப்பீடு பெற்...
Read more