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NEW JANARAKSHA With profits plan (table no.:91)

Features of Plan:

Ideal for farmers and workers, since farmers have to depend on the climate while worker are subject to change in trade cycles, depression, strikes, labour disputes, etc.

Provides full life insurance cover for 3 years even when the premiums are not paid (this benefit is available after at lest 2 years even premium are paid) the non-medical limit is exclusive to this policy. Double accident benefit and bonus is also granted. Age proof is not insisted, if S.A. is 50,000 or less upto age 40. no. age extra is charged for self declaration, if term is 20 yrs. And age 40 yrs or less. This plan is not allowed to widows belonging to category III.

Plan parameters

Age at entry: min.18 yrs, max.50 yrs
Maturity age: max. 70 yrs
Sum assured: min. 30,000 max. no. limit
S.A. in multiples: 5000
Term: min. 12 yrs, max. 30 yrs
Mode of payment: YLY/HLY/QLY/SSS/MLY
Accident benefit: inclusive in T.P.
Policy loan: yes
Housing loan: yes
Assignment: yes
Revival: yes
Surrender of policy: yes
Term: N.A

Under writing

Form: 300
Age proof: std./NSAP-1,2,3,
Female lives category: I/II
Non-medical (Gen): Allowed
Non-medical (Prof): Allowed
Non-medical (special): Allowed
Actual sum assured: Basic S.A.
Risk coverage: SA + Bonus
Dating back @ 8%: Allowed

Benefit:

Maturity benefit: payment of S.A.+ accrued bonus

Death benefit:
payment of S.A. + accrued bonus.

Accident benefit: payment of double the S.A. + accrued bonuses on the S.A. as defined on the policy document.

Example: Mr. Anil Ambani, aged 45 invests in the new janaraksha plan (with profits) for a term of 20 years and S.A. Rs.2lac. he pays Rs.11,599/- as annual premium. He paid premium for next 6 years, but unfortunately he dies at the end of 8th year of this policy. His nominee Mrs. Tina will receive Rs.2,72,000 (basic S.A. + Bonus as per rate of 2005 i.e. 45/- per thousand per annum which become Rs.45 x 8 x 200 = 72,000). Therefore, this plan is best suitable for those whose job is not secured.

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