LIC Amritbaal Plan 774: Bachon Ke Future Ke Liye Best Savings Plan
Namaste dosto! Agar aap apne bacche ki Higher Education ya shadi ke liye ek aisa guaranteed plan dhoond rahe hain jisme market ka koi khatra na ho, to LIC Amritbaal (Plan 774) ek behtareen vikalp hai. Ye plan khaas taur par bachon ki long-term financial needs ko pura karne ke liye design kiya gaya hai.
1. Guaranteed Addition: ₹80 per ₹1000 Sum Assured
Is plan ki sabse badi khasiyat iska **Fixed Guaranteed Addition (as per LIC brochure)** hai.
Aapke har ₹1,000 ke Basic Sum Assured par LIC har saal ₹80 guaranteed add karti hai.
2. Eligibility Criteria: Kaun Le Sakta Hai?
| Eligibility Parameter | Details |
|---|---|
| Entry Age (Bacche ki Umar) | 30 din se 13 saal tak |
| Maturity Age | Min: 18 saal | Max: 25 saal |
| Policy Term | Limited Pay: 10-25 saal | Single Pay: 5-25 saal |
| Minimum Sum Assured | ₹2,00,000 (No Upper Limit) |
| Premium Payment Term | 5, 6, ya 7 saal |
3. Sum Assured on Death: 4 Behtareen Options
Isme aap apni zarurat ke hisab se Death Benefit choose kar sakte hain:
| Payment Mode | Option | Sum Assured on Death |
|---|---|---|
| Limited Premium | Option I | 7 times of Annualized Premium |
| Option II | 10 times of Annualized Premium | |
| Single Premium | Option III | 1.25 times of Single Premium |
| Option IV | 10 times of Single Premium |
4. Risk Commencement & Vesting
- Risk Start: Agar bacche ki umar 8 saal se kam hai, to risk policy lene ke 2 saal baad ya 8 saal ki umar hone par shuru hoga (jo pehle ho). 8 saal se upar walo ke liye risk turant shuru ho jata hai.
- Vesting: 18 saal pure hone par policy automatically bacche ke naam (Life Assured) par transfer ho jati hai.
5. Premium Waiver Benefit (PWB) Rider
Dosto, ye rider is plan me sabse zaruri hai. Agar policy term ke dauran Proposer (Parent) ke sath kuch anhoni hoti hai, to aage ke saare premiums maaf ho jate hain aur bacche ko maturity par pura paisa milta hai.
Example Illustration (Sum Assured ₹5 Lakh)
| Details | Approx Value |
|---|---|
| Annual Premium | ₹76,938 (with GST) |
| Premium Paying Term | 7 Years |
| Basic Sum Assured | ₹5,00,000 |
| Total Guaranteed Addition (20 yrs) | ₹8,00,000 |
| Maturity Value | ₹13,00,000 |
Income tax benefits may be available under Section 80C of the Income Tax Act, 1961,
as applicable.
Tax benefits and applicable tax rates shall be as per the prevailing income tax laws
notified by the Government of India from time to time.
Professional LIC Policy Guidance
Har parivaar ki zarurat alag hoti hai. LIC Amritbaal ya kisi bhi child plan ke
fayde aapki income aur goals ke hisaab se samajhne ke liye
mujhse directly consult karein.
*Disclaimer: Insurance is a subject matter of solicitation. Policy benefits, returns, and tax
savings are subject to LIC of India rules and prevailing income tax laws.
LIC Amritbaal Plan 774 – FAQs
What is LIC’s Amritbaal Plan?
LIC’s Amritbaal Plan (Plan No. 774) is a Non-Linked, Non-Participating life insurance plan designed to secure a child’s future education and financial needs.
Why should I buy LIC’s child plan?
It helps parents build a guaranteed financial corpus for their child, even if the policyholder is not around.
What are the benefits of this policy?
The plan provides Fixed Guaranteed Additions (as per LIC brochure), maturity benefits and death benefits as per LIC policy conditions.
What are the eligible age limits?
Entry age limits depend on the selected policy term and LIC guidelines.
What optional riders are available?
Premium Waiver Benefit Rider may be available, subject to LIC rules.
When does life insurance cover begin?
Life cover begins from the risk commencement date mentioned in the policy document.