LIC जीवन लाभ प्लान 736 (Plan 736) – पूरी जानकारी
(एक सीमित प्रीमियम, बोनस-युक्त एंडोमेंट प्लान)
अक्टूबर 2024 में लॉन्च हुए LIC जीवन लाभ प्लान 736 (पूर्व में प्लान 936) एक गैर-लिंक्ड, प्रॉफिट-शेयरिंग एंडोमेंट पॉलिसी है, जो जीवन बीमा सुरक्षा + दीर्घकालिक बचत का संयोजन प्रदान करती है। यह प्लान उन लोगों के लिए आदर्श है जो:
✔️ कम प्रीमियम अवधि में लंबी अवधि के लिए निवेश करना चाहते हैं।
✔️ मैच्योरिटी पर बोनस-युक्त लाभ चाहते हैं।
✔️ टैक्स बचत (धारा 80C और 10(10D)) का लाभ उठाना चाहते हैं।
मुख्य विशेषताएँ
पैरामीटर विवरण प्लान प्रकार नॉन-लिंक्ड, विद-प्रॉफिट्स एंडोमेंट प्लान पॉलिसी अवधि 16, 21, या 25 साल प्रीमियम भुगतान अवधि (PPT) 16 साल के लिए 10 साल, 21 साल के लिए 15 साल, 25 साल के लिए 16 साल न्यूनतम बीमा राशि (Sum Assured) ₹2 लाख (कोई अधिकतम सीमा नहीं) आयु सीमा न्यूनतम 8 वर्ष, अधिकतम 50–59 वर्ष (पॉलिसी अवधि के अनुसार) प्रीमियम भुगतान मोड वार्षिक, अर्ध-वार्षिक, त्रैमासिक, मासिक (NACH) टैक्स लाभ 80C (प्रीमियम), 10(10D) (मैच्योरिटी/डेथ बेनिफिट) लोन सुविधा 2 साल बाद उपलब्ध (50-80% प्रीमियम तक) सरेंडर वैल्यू 1 साल के प्रीमियम भुगतान के बाद उपलब्ध राइडर्स एक्सीडेंटल डेथ, क्रिटिकल इलनेस, प्रीमियम वेवर (अतिरिक्त प्रीमियम पर)
| पैरामीटर | विवरण |
|---|---|
| प्लान प्रकार | नॉन-लिंक्ड, विद-प्रॉफिट्स एंडोमेंट प्लान |
| पॉलिसी अवधि | 16, 21, या 25 साल |
| प्रीमियम भुगतान अवधि (PPT) | 16 साल के लिए 10 साल, 21 साल के लिए 15 साल, 25 साल के लिए 16 साल |
| न्यूनतम बीमा राशि (Sum Assured) | ₹2 लाख (कोई अधिकतम सीमा नहीं) |
| आयु सीमा | न्यूनतम 8 वर्ष, अधिकतम 50–59 वर्ष (पॉलिसी अवधि के अनुसार) |
| प्रीमियम भुगतान मोड | वार्षिक, अर्ध-वार्षिक, त्रैमासिक, मासिक (NACH) |
| टैक्स लाभ | 80C (प्रीमियम), 10(10D) (मैच्योरिटी/डेथ बेनिफिट) |
| लोन सुविधा | 2 साल बाद उपलब्ध (50-80% प्रीमियम तक) |
| सरेंडर वैल्यू | 1 साल के प्रीमियम भुगतान के बाद उपलब्ध |
| राइडर्स | एक्सीडेंटल डेथ, क्रिटिकल इलनेस, प्रीमियम वेवर (अतिरिक्त प्रीमियम पर) |
लाभ (Benefits)
1. मृत्यु लाभ (Death Benefit)
यदि पॉलिसीधारक की मृत्यु पॉलिसी अवधि के दौरान होती है, तो नॉमिनी को निम्न में से सबसे अधिक राशि मिलती है:
2. परिपक्वता लाभ (Maturity Benefit)
*(उदाहरण: ₹10 लाख की बीमा राशि पर ₹44/₹1,000 की बोनस दर से 21 साल में ~₹9.24 लाख बोनस + FAB मिल सकता है।)*
3. सरेंडर वैल्यू (Surrender Value)
1 साल का प्रीमियम भुगतान करने के बाद सरेंडर किया जा सकता है।गारंटीड सरेंडर वैल्यू (GSV) और स्पेशल सरेंडर वैल्यू (SSV) में से जो अधिक हो, वह मिलता है।
4. पेड-अप वैल्यू (Paid-Up Value)
यदि प्रीमियम भुगतान बंद कर दिया जाए, तो पॉलिसी पेड-अप हो जाती है और आनुपातिक लाभ मिलता है।
उदाहरण (Example Calculation)
पॉलिसी डिटेल्स:
मैच्योरिटी पर अनुमानित रिटर्न:
मूल बीमा राशि: ₹10,00,000बोनस (₹44/₹1,000 प्रति वर्ष): ₹44 × 1000 × 21 = ₹9,24,000फाइनल अतिरिक्त बोनस (मान लें ₹1 लाख): ₹1,00,000✅ कुल मैच्योरिटी राशि: ₹10,00,000 + ₹9,24,000 + ₹1,00,000 = ₹20,24,000
*(टैक्स-फ्री धारा 10(10D) के तहत)*
मृत्यु लाभ (10वें वर्ष में मृत्यु होने पर):
बेसिक सम एश्योर्ड: ₹10,00,00010 साल का बोनस: ₹4,40,000FAB (मान लें ₹50,000): ₹50,000✅ कुल डेथ बेनिफिट: ₹10,00,000 + ₹4,40,000 + ₹50,000 = ₹14,90,000
*(यदि एक्सीडेंट राइडर लिया हो, तो +₹10 लाख मिलेंगे।)*
LIC जीवन लाभ प्लान 736 के फायदे
क्या यह प्लान आपके लिए सही है?
✅ हाँ, अगर आप:
❌ नहीं, अगर आप:
कैसे खरीदें?
ऑनलाइन: LIC की आधिकारिक वेबसाइट पर चेक करें।
ऑनलाइन: LIC की आधिकारिक वेबसाइट पर चेक करें।
(नोट: बोनस दरें LIC के प्रदर्शन पर निर्भर करती हैं। सटीक कैलकुलेशन के लिए LIC कैलकुलेटर या एजेंट से संपर्क करें।)
निष्कर्ष:
LIC जीवन लाभ प्लान 736 एक भरोसेमंद पारंपरिक बीमा योजना है, जो कम जोखिम, टैक्स बचत और दीर्घकालिक बचत का अच्छा संतुलन प्रदान करती है। यदि आप LIC पर भरोसा करते हैं और गारंटीड रिटर्न चाहते हैं, तो यह एक अच्छा विकल्प हो सकता है।
Example Illustration
Scenario: Mr. Vinod, aged 30 years, purchases LIC Jeevan Labh Plan 736 with the following details:
- Basic Sum Assured: ₹10,00,000.
- Policy Term: 21 years.
- Premium Paying Term: 15 years.
- Premium Payment Mode: Yearly.
- Annual Premium: Approximately ₹54,707 (as per sample calculations, excluding taxes and rider premiums).
- Assumed Bonus Rate: ₹44 per ₹1,000 of Basic Sum Assured (based on historical LIC bonus rates for illustration; actual rates vary).
Calculations:
- Total Premium Paid:
- Annual premium: ₹54,707 × 15 years = ₹8,20,605 (approx.).
- Maturity Benefit (if Vinod survives 21 years):
- Sum Assured on Maturity: ₹10,00,000.
- Simple Reversionary Bonus: ₹44 × (₹10,00,000 / ₹1,000) × 21 years = ₹44 × 1,000 × 21 = ₹9,24,000.
- Final Additional Bonus (FAB): Assuming ₹5,00,000 (indicative, varies based on LIC’s performance).
- Total Maturity Benefit: ₹10,00,000 + ₹9,24,000 + ₹5,00,000 = ₹24,24,000 (approx.).
- Death Benefit (if Vinod dies in the 10th year):
- Sum Assured on Death: Higher of:
- 7 × ₹54,707 = ₹3,82,949, or
- Basic Sum Assured = ₹10,00,000.
- Therefore, ₹10,00,000 is considered.
- Simple Reversionary Bonus: ₹44 × (₹10,00,000 / ₹1,000) × 10 years = ₹44 × 1,000 × 10 = ₹4,40,000.
- Final Additional Bonus (FAB): Assuming ₹2,00,000 (indicative, varies).
- Total Death Benefit: ₹10,00,000 + ₹4,40,000 + ₹2,00,000 = ₹16,40,000 (approx.).
- If the Accidental Death Rider is opted for, an additional ₹10,00,000 would be paid, making the total ₹26,40,000 (approx.).
- Sum Assured on Death: Higher of:
- Accidental Death Benefit (with rider, if opted):
- Additional ₹10,00,000 + above death benefit = ₹26,40,000 (approx.).
Note: The bonus rates and FAB are illustrative, based on historical data (e.g., ₹44 per ₹1,000 BSA). Actual bonuses depend on LIC’s performance and are declared annually. For precise calculations, use the LIC Jeevan Labh Premium Calculator available on LIC’s official website or consult an LIC agent.
Additional Notes
- Surrender Value: If Vinod surrenders after 1 year of premium payments, he receives the higher of Guaranteed Surrender Value (GSV) or Special Surrender Value (SSV), including a percentage of premiums paid and vested bonuses.
- Paid-Up Value: If Vinod stops paying premiums after 1 year, the policy becomes paid-up with a reduced Sum Assured proportional to premiums paid.
- Loan: Vinod can avail a loan after 1 year, up to 50% of premiums paid after 2 years, or 80% from the third year.
- Suicide Clause: If the policyholder commits suicide within 12 months of policy inception, 80% of premiums paid are returned. After revival, the higher of 80% of premiums paid or surrender value is paid.
Suitability
The LIC Jeevan Labh Plan 736 is ideal for:
- Individuals seeking a low-risk investment with insurance coverage.
- Long-term savings for goals like education, marriage, or retirement.
- Families needing financial protection for dependents.
- Those looking for tax benefits and flexible premium payment options.
How to Purchase
- Online: Not explicitly available online; check LIC’s official website or authorized platforms.
- Offline: Visit an LIC branch, consult an LIC agent, submit KYC documents (Aadhaar, PAN, etc.), complete the proposal form, and undergo a medical check-up if required.
Conclusion
The LIC Jeevan Labh Plan 736 is a robust endowment plan offering a blend of life cover, savings, and tax benefits. Its limited premium payment feature, high maturity returns, and optional riders make it appealing for those planning long-term financial security. For personalized calculations or further details, visit LIC’s official website (licindia.in) or contact an LIC agent.
✅ LIC Jeevan Labh Plan – Overview
🔷 Key Features:
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It’s a limited premium, non-linked, with-profits endowment plan.
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Offers life cover + lump sum maturity benefit.
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Combines protection and savings.
📋 Plan Highlights:
| Feature | Details |
|---|---|
| Plan Type | Endowment |
| Entry Age | 8 – 59 years |
| Policy Term | 16, 21, 25 years |
| Premium Paying Term (PPT) | 10 (for 16 yrs), 15 (for 21 yrs), 16 (for 25 yrs) |
| Minimum Sum Assured | ₹2,00,000 |
| Maturity Benefit | Sum Assured + Bonuses (Simple Reversionary + Final Bonus) |
| Death Benefit | 125% of Basic Sum Assured or 10x Annual Premium + Bonuses |
| Loan Facility | Available |
| Riders | Accidental Death & Disability, Critical Illness, etc. |
🔁 Comparison Table: Jeevan Labh vs Other Insurance Plans
| Feature | LIC Jeevan Labh (Plan 936) | HDFC Life Sanchay Par Advantage | ICICI Pru Lakshya Lifelong Income | SBI Life Smart Bachat |
|---|---|---|---|---|
| Plan Type | Endowment + Bonus | Endowment + Income + Bonus | Participating Whole Life | Endowment |
| Premium Paying Term | Limited (10/15/16 years) | 8, 10, 12 years | 10/12 years | 5 to 15 years |
| Policy Term | 16, 21, 25 years | 25–40 years | Up to age 99 | 10 to 25 years |
| Returns | Non-Guaranteed Bonuses | Bonus + Guaranteed Income | Bonus + Income | With Profits |
| Maturity Benefit | Sum Assured + Bonuses | Sum Assured + Bonuses + Income | Sum Assured + Bonuses | Sum Assured + Bonus |
| Death Benefit | 125% of SA + Bonus | 105% of premiums or SA + Bonuses | 105% of premiums + Bonuses | SA + Bonuses |
| Bonus Eligibility | Yes (Reversionary + Final) | Yes | Yes | Yes |
| Loan Option | Yes | Yes | Yes | Yes |
| Company | LIC (Government-owned) | HDFC Life | ICICI Prudential | SBI Life (Public-Private) |
🧠 Key Differences & Takeaways
-
✅ LIC Jeevan Labh is perfect for those looking for lump sum maturity + life cover, with limited premium payment terms and the trust of a government-backed insurer.
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✅ HDFC Sanchay Par Advantage offers guaranteed income post maturity, which LIC Jeevan Labh does not.
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✅ ICICI Pru Lakshya focuses more on lifelong income, which suits long-term legacy planning.
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✅ SBI Life Smart Bachat is a budget-friendly plan for short to medium-term savings.
🔎 Who Should Choose LIC Jeevan Labh?
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People who want a safe, risk-free, traditional savings plan.
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Those who prefer guaranteed returns with bonuses.
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Ideal for children's education, marriage planning, or future savings.
Comparison: LIC Jeevan Labh Plan 736 vs Other Endowment Plans
| Feature | LIC Jeevan Labh 736 | HDFC Life Sanchay Plus | SBI Life Smart Bachat | ICICI Pru Savings Suraksha |
|---|---|---|---|---|
| Plan Type | Non-linked, With-Profit Endowment | Non-linked, Endowment + Income | Non-linked, Endowment | Non-linked, Endowment |
| Policy Term | 16/21/25 years | 10-30 years | 10-25 years | 10-30 years |
| Premium Payment Term (PPT) | 10/15/16 years (shorter than policy term) | Equal to policy term | 5-15 years (flexible) | 7/10/15 years |
| Sum Assured | ₹2L+ (no max) | ₹5L+ | ₹1.5L+ | ₹2L+ |
| Guaranteed Returns | ❌ (only bonuses) | ✔️ (Guaranteed Additions + Loyalty Additions) | ❌ (bonus-based) | ✔️ (Guaranteed Maturity Benefit) |
| Bonus Type | Simple Reversionary + Final Bonus | Yearly & Terminal Bonus | Reversionary Bonus | Yearly & Final Bonus |
| Death Benefit | Higher of (Sum Assured, 7x premium, or 105% premiums) + Bonuses | 10x annual premium or Sum Assured + Bonuses | Sum Assured + Bonuses | 10x premium or Sum Assured + Bonuses |
| Maturity Benefit | Sum Assured + Bonuses | Sum Assured + Guaranteed Additions + Bonuses | Sum Assured + Bonuses | Sum Assured + Guaranteed Benefits + Bonuses |
| Loan Facility | ✔️ (after 2 years) | ✔️ (after 3 years) | ✔️ (after 2 years) | ✔️ (after 3 years) |
| Riders | Accidental Death, Critical Illness | Accidental Death, Waiver of Premium | Accidental Death, Disability | Critical Illness, Accidental Death |
| Tax Benefits (80C/10(10D)) | ✔️ | ✔️ | ✔️ | ✔️ |
| Unique Feature | Limited premium payment | Guaranteed income option | Flexible PPT | Higher guarantees |
Key Takeaways:
LIC Jeevan Labh 736
Best for low-risk investors who trust LIC’s bonus history.
Limited premium payment (pay for 10-16 years, cover for 16-25 years).
No guaranteed returns – depends on LIC’s bonuses.
HDFC Life Sanchay Plus
Offers guaranteed additions + bonuses (more predictable returns).
Income option post-maturity (LIC doesn’t offer this).
SBI Life Smart Bachat
Flexible premium payment terms (5-15 years).
Lower minimum sum assured (₹1.5L vs LIC’s ₹2L).
ICICI Pru Savings Suraksha
Higher guaranteed maturity benefits (less reliance on bonuses).
Shorter premium payment term (7/10/15 years).
Which Plan is Best for You?
Choose LIC Jeevan Labh 736 if:
✅ You prefer LIC’s brand trust.
✅ You want a limited premium payment plan.
❌ Avoid if you want guaranteed returns.Choose HDFC/ICICI if:
✅ You want guaranteed + bonus returns.
✅ Need post-maturity income options (HDFC).Choose SBI Life if:
✅ You need flexible premium payment terms.
Expected Returns Comparison (Example for ₹10L SA, 20-Year Term)
| Insurer | Maturity Benefit (Approx.) | Remarks |
|---|---|---|
| LIC Jeevan Labh | ₹22-25L (with bonuses) | Non-guaranteed, historical bonus rate ~₹44/₹1000 SA |
| HDFC Life | ₹18-20L (guaranteed) + ₹5-7L (bonuses) | More stable but lower upside |
| ICICI Pru | ₹20-22L (guaranteed) + ₹4-5L (bonuses) | Balanced guarantees |
Final Verdict:
For Safety + LIC Trust: Jeevan Labh 736
For Guaranteed Returns: HDFC Life Sanchay Plus
For Flexibility: SBI Life Smart Bachat
⚠️ Note: Always compare current bonus rates and consult an agent for exact projections. Past performance ≠ future returns.
Disclaimer: Bonus rates and FAB are subject to LIC’s performance and may vary. Always verify details with LIC or an authorized agent before purchasing.
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