Lic india agent, lic life insurance agent Lic's New Children's Money Back Plan
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Lic's New Children's Money Back Plan BY LIC INDIA
(Table No. 832) - Call us now : +91-9820934872

Feature of Lic's New Children's Money Back Plan:

This is a non-linked plan which is designed to fulfill the educational and marriage needs of growing children through Benefits of Survival. It can be taken by the parent or grandparent of any child up to 12 years. If the policy-holder dies before Maturity of policy or before commencement of risk, then the premiums will be returned excluding taxes and extra, rider premium. If the policy holder dies after the date of commencement of risk, the Death Benefit is payable, which is the Sum Assured (greater than 10 times of annualized premium or Basic Sum Assured). The Death benefit will not be less than 105% of total premiums paid till death, excluding taxes, extra and rider premium. If the policy holder survives till the age of 18, 20 and 22 years, 20% of the Basic Sum Assured will be paid on each of the mentioned years. If the policy holder survives till Maturity of policy, then he/she is entitled to receive Sum Assured on Maturity which is 40% of Basic Sum Assured, in addition to Reversionary and Final Additional Bonuses.The age of policy holder must be between 0-12 years and the age of Maturity is 25 years. The term of Policy would be (25- Age at entry) years. The minimum basic Sum Assured is 1, 00,000 Rupees and there is no maximum limit.



The optional benefits provided are the Option to defer the Survival Benefits and the LIC Premium Waiver Benefit Rider. According to this the policy holder will have the option to claim the Survival Benefit on or after the due date. If this option is availed, the Corporation will be paying increased survival benefit which is equal to Survival Benefits % * Sum Assured * (Factor applicable to Survival Benefit (s)), provided written intimation by policy holder before 6 months of due date. The LIC Premium Waiver Benefit Rider is available to the proposer (between 18-55 years) with additional premium payment. If the proposer dies, the premiums after death under the basic policy will be waived off. However this does not apply to suicide of the proposer in sane or insane conditions within 12 months of issue of first Premium receipt or within 12 months of policy revival, and the cost of medical and special reports are not covered by the Corporation.

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