Harish Chand

Delhi LIC Agent

577, GH-9, PASCHIM VIHAR

NEW DELHI- 110087
INDIA, 9811896425, 9212201725
www.delhiLICagent.com

160 - Jeevan Bharati

Pg. 1

Term Age Sum

Minimum 15 18 50000

Maximum 20 50 2500000

Premium Ceasing Age : 70 Premium Ceasing Term : 0

Plan Highlights

Features
Jeevan Bharati is a money back plan covering illness peculiar to women. Female Critical Illness
(FCI) benefit and Congenital Disability Benefit (CDB) cover will be available to proposers under
the Jeevan Bharati plan.

Special Features
· This policy offers guaranteed additions at a rate of Rs.50/- per thousand basic sum assured
to accrue at the end of each completed year for which premium is paid, during the first 5
years of a policy and will be paid on death or maturity.
· 20% of the Sum Assured will be offered at the end of 5/10 years for a 15 year term
(balance payable on maturity plus Guaranteed Additions plus bonus, if any)
· Free Insurance cover: Provided at least two years' premiums have been paid under a
policy, full death cover (irrespective of survival benefit payments made) will be admissible
for a period of three years from the date of first unpaid premium.
· Encashment of survival benefits as and when needed: A policyholder can take the survival
benefits on or after the due dates, but before the date of maturity. In case of deferment,
the Corporation will pay increased survival benefit, and the increment will be at rates
decided by the Corporation from time to time.
· Accident and Disability Benefit (optional): Accident Benefit can be availed under this plan,
subject to the payment of an additional premium of Re.1/- per thousand Sum Assured. This
is inclusive of the maximum limit of Rs.25,00,000 placed under other life insurance plans
taken from Life Insurance Corporation of India.
· Flexibility to pay premiums in advance: A policyholder will have the flexibility to pay the
next yearly premium in advance (in maximum three instalments). She will be eligible for a
premium rebate of 4% p.a. for complete number of months on the portion of premium
paid.
· Option to receive maturity benefits in the form of an annuity: The policyholder will have the
option (to be exercised 6 months before the date of maturity) to receive the maturity
proceeds (including Guaranteed Additions and bonuses) in the form of an annuity. The
immediate annuity rates prevalent at the time of maturity will be applicable.

Benefits

Survival Benefits:
Survival benefits will be paid at the end of 5, 10 and 15 years. As a percentage of basic sum
assured for a 15 year plan the insured will receive 20 percent each at the end of 5 years and
10 years respectively. In case of a 20 year plan the insured will receive 20 percent at the end
of 5, 10 and 15 years respectively.

Death Benefit:
Full Sum Assured irrespective of all earlier survival benefits paid plus Guaranteed Additions

Insure And Be Secure

Plan Features Continue .......... Pg. 2

Insure And Be Secure