LIC Jeevan Ankur
(1 votes, average: 4.00 out of 5)
Loading ...LIC has recently launched a new child plan, which is a traditional participating child plan. The life assured in the plan is parent and the nominee is the child. On the death of the life assured (parent), there is a triple benefit, the Basic Sum Assured is paid to the nominee (child) and also and an income benefit equal to 10% of Basic Sum Assured shall be payable on each policy anniversary, from the policy anniversary coinciding with or next following the date of death, till the end of the policy term and on maturity of the policy, Basic Sum Assured along with the loyalty additions (if declared) shall be paid, irrespective of survival of the Life Assured. The plan also has riders such as Accidental Benefit rider and Critical Illness rider. Critical Illness rider can be availed with or without waiver of premium benefit. The minimum basic sum assured is Rs.1lakh and there is no upper limit on sum assured. Jeevan Ankur is similar to regular traditional child plans which may not be a great tool for child financial planning and achieving child’s goals such as higher education & marriage, as Traditional Plans are not flexible and will give return around 5 to 6%; but the insurance component is beneficial in case of early death of the parent.
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