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JEEVAN KISHORE LIFE INSURANCE POLICY BY LIC
With profits plan (Table no. 102)

Features of Jeevan Kishore plan

High bonus from day one child becomes owner of the policy automatically at the age of 18 yrs child's age should be between 0 & 12 yrs (LBD) risk commences after 2 years of age policy or on completion of 7 years of age, whichever is later. No medical examination of the child if age less then 10 yrs. Else medical examination is necessary. Premium waiver benefit is available on payment of extra premium along with standard age proof and medical examination up up to 50 yrs of proposer's age.

Parents of children who want provide a lump sum amount at a particular age of the child can also propose. If both parents are not alive, legal guardian can propose. Grand parents can also propose (w. e. f. 1- 12- 2003) provide premium are paid by grand parents from their own income and consent letter is given from parents. This amount can be used for any particular need of the child like marrige or start in life.

This policy is issued with profit, but bonus for waiting period will vest immediately on the policy anniversary from which risk is covered or at the end of 5 years from commencement of the policy whichever is later, provided the policy is in force.

If children aged 5yrs. & above, not going to school, this plan is not allowed to them.

W. e. f. 23-03-2005 this plan is allowed with single premium mode also.

Latest Lic Policy by Lic of India:

  1. Jeevan Ankur Child Education Plan
  2. Jeevan Saral by Life Insurance Corporation of India
  3. Jeevan Vridhi by Life Insurance Corporation of India
  4. Jeevan Vaibhav by Lic of India

Plan parameters
Age at entry: Min.0, Max. 12 yrs
Maturity age: Max. 45 yrs.
Sum Assured: Min.5000
Term: Min15yrs, Max. 35 yrs
Mode of payment: YLY/HLY/QLY/SP
Accident benefit: after 18 yrs. Age of child
(Max. 50lac inclusive Re.1 extra per
All plans)
Policy loan: N. A.
Housing loan: N. A.
Assignment: N. A,
Revival: yes
Surrender of policy: yes
Term rider: N.A.
CIR: N.A.

UNDERWRITING CONDITION
Form no.: 300/340
Age proof 0 - 4 yrs: standard
5 yrs. & above: school certificate
Female lives category: I/II
Non-medical (Gen): N. A.
Non-medical (Prof): N. A.
Non-medical (special): N. A.
Actual sum assured: Basic SA
Risk coverage: SA + Bonus
Dating back @ 8%: Allowed

If aged at entry is less then 10 yrs. Then Max. S.A. will be Rs.15 Lac

BENEFIT

Maturity benefit: on maturity the policy will get, the full S.A. + Accrued bonus + FAB, if any.

Death benefit: if death occurs after life risk has been commenced then the S.A.+ vested bonus + FAB, if any, will be payable on death. In case death occurs before commenced of risk, only deposited premiums will be given to the nominee.

Example: Mr. Anil Kapoor aged 35 years takes a Jeevan kishor policy for his 3 years old son master sunny for S.A. 2 lac to be matured at the age of 22 of him son. He also opts for premium waiver benefit.

Life risk will commenced from the policy anniversary after completion of 7 yrs. Of sunny's age. On maturity master sunny will get Rs.3,89,000+FAB , if any (2 lac S.A. +Bonus as per bonus rates of 2005 i.e. Rs.45 per 1000 .S.A. per annum 45 x 200 x 21 = 1,89,000 + FAB if any).

In case of master sunny dies at the age of 12 after commencement of risk cover, then the nominee will get 2,81,000 (2 lac S.A. + Bonus i.e. 45 x 200 x 9 = 81,000).

On attaining the age of 18 master sunny has the option to opt for accident benefit by paying Re. 1 extra per thousand S.A

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