LIC Jeevan Umang Plan Calculator – Lifetime Income aur Maturity Bonus Ka Asaan Hisab

Jeevan mein har kisi ka ek goal hota hai – financial independence, apne parivaar ki suraksha, aur ek secure future. LIC ka Jeevan Umang Plan in sabhi goals ko ek saath fulfill karta hai. Is article mein hum detail mein jaanenge LIC Jeevan Umang Calculator kya hai, kaise kaam karta hai, aur aap ke liye yeh plan kyun important ho sakta hai.

LIC Jeevan Umang Plan Kya Hai?

LIC Jeevan Umang ek whole life insurance plan hai jo aapko life cover + annual income ka combination deta hai. Ye plan aapko maturity tak guaranteed income provide karta hai aur end mein ek bada lump-sum amount bhi deta hai.

Is plan ki key features:

• 🔒 Life cover up to 100 years
• 💸 Regular income har saal (survival benefits)
• 📅 Maturity par lump sum amount
• 👪 Death benefit for nominee
• 🧾 Tax benefits under 80C & 10(10D)

LIC Jeevan Umang Calculator Ka Use Kya Hai?

LIC Jeevan Umang Calculator ek smart tool hai jo aapko yeh sab calculate karne mein help karta hai:

• 💰 Har saal kitni income milegi?
• 📊 Kitna premium bharna padega monthly/annually?
• 🏦 Maturity par total return kitna hoga?
• 🔐 Death benefit kitna hoga?

LIC Jeevan Umang Calculator Kaise Kaam Karta Hai?

Calculator ko use karna bahut easy hai. Bas kuch simple input dijiye:

• 🧍 Policyholder ki age
• 📆 Policy term (15, 20, 25 years etc.)
• 💵 Sum assured ya amount of investment

Input bharne ke baad, aapko milta hai:

• 📈 Har saal aane wali guaranteed income
• 📅 Total maturity benefit
• 🔐 Death benefit ki full detail

LIC Jeevan Umang Plan Benefits – Hindi Mein Samjhein

1. Life Long Protection:

100 saal tak ka life insurance cover milta hai. Iska matlab hai ki aap chahe 80 ke ho ya 99, policy active rahegi.

2. Regular Income:

Policy term complete hone ke baad aapko har saal 8% ke aas-paas ki guaranteed income milti hai. Yeh ek tarah se pension ka kaam karta hai.

3. Maturity Benefit:

Policy ke maturity par aapko poora sum assured + bonuses milte hain.

4. Death Benefit:

Policyholder ke unfortunate demise par nominee ko full death benefit milta hai (sum assured + bonus).

5. Loan Facility:

Policy ke against aap loan le sakte hain agar financial emergency ho to.

6. Tax Benefits:

Premiums under 80C aur maturity amount under 10(10D) tax-free hote hain (as per current tax rules).

LIC Jeevan Umang Plan Ke Liye Eligibility Criteria

• 👶 Minimum entry age: 90 days
• 👴 Maximum entry age: 55 years
• 📈 Policy Term: 15, 20, 25, ya 30 years
• 💸 Premium payment: yearly, half-yearly, quarterly, monthly

LIC Jeevan Umang Plan Vs Dusre Plans

LIC Jeevan Umang Calculator Use Karne Ke Steps

1. Website par jaayein: LIC Maturity Calculator
2. Apni age aur investment amount daalein
3. Policy term select karein (e.g., 20 years)
4. Submit karein aur result dekhein

FAQs – Frequently Asked Questions

1. Kya LIC Jeevan Umang safe hai?

Haan, LIC ek government-backed insurance provider hai. Jeevan Umang ek low-risk aur reliable plan hai.

2. Kya online apply kar sakte hain?

Haan, aap LIC ki official website ya trusted agent ke through online apply kar sakte hain.

3. Is plan mein bonus milta hai?

Haan, plan ke sath simple reversionary bonus aur final addition bonus milta hai.

4. Kya isme surrender option hai?

Haan, after 3 years policy aap surrender kar sakte hain, lekin surrender value kam hoti hai.

Conclusion – LIC Jeevan Umang Calculator Ka Faayda Uthayein

Financial planning aaj ke zamane mein bahut zaroori hai. LIC Jeevan Umang Calculator aapko accurate calculation ke sath ek solid direction deta hai. Agar aapko life insurance aur regular income dono chahiye, to yeh plan aapke liye perfect hai.

➡️ Check out our other financial tools:
Free CGPA Calculator | Lic Jeevan Umang Calculator | Engineering CGPA Calculator