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JEEVAN SURABHI With profits plan (table no: 106, 107, 108)

Features of Plan:

Jeevan surabhi plan is similar to the other money back plan. However main differences in regular money back plan and jeevan surabhi are: maturity term is more then premium paying term, early and higher rate of survival benefit payment risk cover increases every five years. This plan is suitable for businessmen & professionals, who benefits at periodical intervals this plan is not allowed when occupational extra is chargeable and pregnant Full S.A. is paid back as survival benefit by the end of premium Paying term In profits till the end of policy term.

Plan parameters

Plan parameters
Age at entry: Min. 14 yrs, LBD Max. 55/50/45
Maturity age: Max. 70 yrs.
Sum assured: Min. 50,000, Max. No. Limit
S.A. in multiples: 5000
Term: Min.15/20/25 yrs, Max.15/20/25 yrs
Mode of payment: YLY/HLY/QLY/SSS/MLY
Accident benefit: Re. 1 Extra per
(Max. 50 Lac inclusive 1000 S.A.
All plan)
Policy loan: yes
Housing loan: yes
Assignment: yes
Revival: yes
Surrender of policy: yes
Term rider: N.A.
CIR: N.A.

Under writing

Form no.: 300/340
Age proof: std/NSAP-1
Female lives category: I/II/III
Non-medical (Gen): Allowed
Non-medical (proof): Allowed
Non-medical (special): Allowed
Actual sum assured: Basic SA
Risk coverage: SA + Bonus
Dating back @ 8%: Allowed

Benefit:

Survival benefit: Following survival benefit are paid provided policy is in full force for full S.A.

Death benefit:
If death occurs at anytime during the term of a policy (provided the policy has been kept in force by payment of all premiums that had fallen due), the amount (as per table below) along with vested bonus is payable. The survival benefit already paid if any, will not be deducted from this claim amount.

Example: Mr. Ajay Devgan aged 30 yrs. Takes a jeevan surabhi (with profit) policy term being 15 years and S.A. Rs.2 lac. He pays an annual premium of Rs.21,344/- after 4 and 8 years each he receives Rs.60,000 respectively again 12 years he will get Rs.80,000/-

In case Mr. Ajay Devgan expires during the 9th year of the policy, his nominee Mrs. Kajol will receive 1.5 times of S.A. i. e. Rs.3 lac + bonus as per 2005 rates i.e. Rs.35 per thousand per annum for 9 years i.e. 35 x 200 x 9 = 63,000. hence total Rs.3,63,000/- is payable.

If Mr. Ajay Devgan expires after 11 years but before 15 years his wife would receive 2 time of S.A. i.e. Rs. 4 lac + bonus as per 2005 rate i.e. Rs.35 x 200 x 11 = 77,000. Hence total Rs. 4,77000/- payable to his wife.

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