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Jeevan Labh 936 all details with premium and maturity benefit calculator
Endowment Assurance PlansInsurance Plans

LIC Jeevan Labh 936 – Indepth analysis and maturity calculator

Anish L J

LIC’s Jeevan Labh (Plan 936) is a popular limited payment endowment plan. Read all details with premium and benefit calculators..

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LIC Jeevan Umang 945 (Revised) – Details, maturity and surrender value calculator

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Employer-Employee insurance tax benefits explained
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LIC’s Jeevan Shree Plan 112 -All details with calculators

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LIC Jeevan Saral (Plan 165) – Details, Calculators, Review and Illustrations

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LIC Jeevan Umang plan 845 five unique benefits
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Five Unique Features of LIC Jeevan Umang (845) – which you may not know

Anish L J

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LIC's Index Plus-873
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LIC’s Index Plus: Secure Your Future with Growth & Protection

Anish L J

Explore LIC’s Index Plus – a comprehensive investment plan offering life insurance, market-linked growth, tax benefits, and partial withdrawal options. Learn how this game-changing plan can secure your future with guaranteed additions and flexible coverage options.

LIC's Nivesh Plus - Ulip Plan 849
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LIC’s Nivesh Plus (849) – Authentic review with calculators and illustrations

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LIC’s New Endowment Plus (835) – Review, Details, Calculators & Illustrations

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Pradhan Mantri Suraksha Bima Yojana -PMSBY
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Pradhan Mantri Suraksha Bima Yojana (PMSBY)

Anish L J
Pradhanmanthri Jeevan Jyothi Bima Yojana
Govt. Of India - SchemesInsurance SchemesUncategorized

All about Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)

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Credit Cards – How to use it wisely?

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LIC's New Bima Jyoti (Plan No. 890) launched on 10 August 2026. So I did what nobody selling it will do — I took one real illustration and walked through every single rupee. Not a brochure summary. The actual arithmetic: how the Guaranteed Additions are built, what the family receives at every stage, what it returns once you account for time, and the one question you should ask before you sign anything. Our case is a 35-year-old taking a ten lakh sum assured on a twenty-year term, paying for fifteen. Every figure on screen comes from his illustration and from the LIC circular. IN THIS VIDEO ▸ What "Non-Par, Non-Linked, Limited Premium" actually means for your money ▸ How the Guaranteed Addition rate is really built — and why it isn't the base rate ▸ The premium-splitting trap that almost every online calculator gets wrong ▸ Year-by-year cover, cash value and loan availability, from the actual illustration ▸ What the family receives on death — natural and accidental ▸ What happens on permanent disability, and why the maturity still pays ▸ The honest return, with and without the Section 80C benefit ▸ Who should take this plan, and who should walk away and buy a term plan instead ▸ The fine-print conditions nobody explains at the counter ⏱ TIMESTAMPS 00:00 One plan, two very different stories 00:38 What New Bima Jyoti actually is 01:22 Kiran's real illustration 02:05 How Guaranteed Additions really work 03:35 What happens after premiums stop 04:18 If the worst happens 05:05 If an accident causes disability 05:58 Maturity day, and the return that matters 07:12 Who should consider it — and who should not 08:22 The details that can change the decision 09:28 The verdict 📊 THE FULL WORKING (pause here and check my maths) Age 35 · Sum Assured ₹10,00,000 · Term 20 years · PPT 15 years · ADDB rider ₹10,00,000 Yearly premium ₹85,900 · Half-yearly ₹43,712 · Quarterly ₹22,051 · Monthly ₹7,393 GA rate 7.25% (6.00% base + 1.25% high sum assured incentive) Total Guaranteed Additions ₹11,97,446 · Maturity ₹21,97,446 · Total paid ₹12,88,500 Death cover ₹12,56,141 in year 1, rising to ₹24,47,446 in year 20 IRR 6.29% including 80C at the 20% slab These figures apply to THIS case only. Yours change with age, sum assured and term. 📄 PLAN FACTS LIC's New Bima Jyoti · Plan No. 890 · UIN 512N395V01 Launched 10 August 2026 · Circular Ref CO/PD/309 dated 07.08.2026 Non-Par, Non-Linked, Individual, Life, Savings · Limited Premium Endowment Entry age 30 days to 60 years · Policy Term 15 to 20 years · PPT = Term minus 5 Minimum Sum Assured ₹1,25,000 · Maximum: no limit, subject to underwriting Riders available: Accidental Death & Disability, Accident Benefit, New Term Assurance, Premium Waiver Benefit, Critical Illness Health #LIC #NewBimaJyoti #Plan890 #InsuranceFunda #LICPlans #LICPlanReview #GuaranteedReturns #LifeInsurance #InsuranceIndia #Section80C #EndowmentPlan #FinancialPlanning #LICAgent #NewPlan2026
LIC's New Bima Jyoti (Plan 890) — Full Review: How It Works, and Who It's Really For...
LIC New Jeevan Sathi 888 & 889 — पति-पत्नी दोनों के लिए एक पॉलिसी ❤️ क्या एक ही Life Insurance Policy में पति और पत्नी दोनों को Life Cover मिल सकता है? और अगर दोनों में से किसी एक की मृत्यु हो जाए, तो क्या policy आगे भी जारी रह सकती है? इसी सोच पर आधारित है LIC New Jeevan Sathi — Plan 888 और Plan 889. इस वीडियो में हम आसान हिंदी में समझेंगे कि यह Joint Life Plan कैसे काम करता है, Plan 888 और 889 में क्या अंतर है, Guaranteed Additions कैसे मिलते हैं और First Death, Second Death तथा Maturity पर क्या होता है। 👩‍❤️‍👨 ONE POLICY — TWO LIVES New Jeevan Sathi में पति और पत्नी दोनों एक ही policy के अंतर्गत covered रहते हैं। चार situations को समझना सबसे महत्वपूर्ण है: 🔹 FIRST DEATH Applicable Sum Assured on Death surviving spouse को मिलता है और policy समाप्त नहीं होती — आगे भी जारी रहती है। 🔹 SECOND DEATH Policy term के दौरान surviving spouse की भी मृत्यु होने पर applicable Sum Assured on Death + accrued Guaranteed Additions beneficiaries को payable होते हैं और policy terminate हो जाती है। 🔹 SIMULTANEOUS DEATH Policy conditions के अनुसार applicable First Death + Second Death benefits payable होते हैं। 🔹 MATURITY अगर maturity तक दोनों में से कम से कम एक Life Assured जीवित है, तो: Basic Sum Assured + Accrued Guaranteed Additions payable होते हैं। 🔵 PLAN 888 — SINGLE PREMIUM Plan 888 में शुरुआत में एक बार premium pay करना है. इसके बाद base-policy premium commitment नहीं रहता। Guaranteed Additions accrue होते हैं: ₹70 per ₹1,000 Basic Sum Assured per policy year उदाहरण: ₹10 लाख BSA पर GA = ₹70,000 per year. 20-year term में total GA = ₹14 लाख और maturity benefit = ₹24 लाख, subject to policy conditions. 🟡 PLAN 889 — LIMITED PREMIUM Plan 889 में premium limited period के लिए pay किया जाता है — applicable combinations में 5, 10 या 15 years PPT उपलब्ध हैं। इसकी एक महत्वपूर्ण विशेषता है: ❤️ FIRST DEATH के बाद BASE PREMIUM WAIVER First Death के बाद policy conditions के अनुसार future base-policy premiums, policy anniversary following the first death से waive हो जाते हैं और policy surviving spouse के लिए continue करती है। Surviving Life के rider premiums, यदि applicable हों, rider conditions के अनुसार continue कर सकते हैं। 💰 GUARANTEED ADDITIONS Plan 888 में GA ₹70 per ₹1,000 BSA per policy year है। Plan 889 में GA applicable Tabular Annual Premium और premiums paid से linked है, और eligible incentives applicable GA rate को enhance कर सकते हैं। ⚠️ इन्हें “Bonus” न कहें. New Jeevan Sathi 888 और 889 Non-Linked, Non-Participating plans हैं। 👨‍👩‍👧 किसके लिए consider किया जा सकता है? ✅ Husband & Wife के लिए one policy ✅ Joint-life protection ✅ First Death के बाद surviving spouse को financial support ✅ Guaranteed Additions ✅ Maturity benefit if at least one spouse survives ✅ Plan 888 — Single Premium ✅ Plan 889 — Limited Premium + applicable base-premium waiver after First Death 📌 Policy लेने से पहले ये 4 situations जरूर समझें: 1️⃣ First Death 2️⃣ Second Death 3️⃣ Simultaneous Death 4️⃣ Maturity और final decision लेने से पहले official Customized Benefit Illustration जरूर देखें। ⚠️ DISCLAIMER यह वीडियो केवल educational और informational purpose के लिए है और personalized insurance recommendation नहीं है। Premium, benefits, eligibility, riders, Guaranteed Additions, surrender value, taxation और अन्य provisions applicable LIC policy terms and conditions के अनुसार होंगे। Policy खरीदने से पहले latest official LIC sales brochure, policy document और customized Benefit Illustration को ध्यान से पढ़ें। LIC New Jeevan Sathi — एक पॉलिसी। दो ज़िंदगियाँ। ❤️ #LIC #NewJeevanSathi #LICPlan888 #LICPlan889 #LICHindi #JointLifeInsurance #LifeInsurance
LIC New Jeevan Sathi 888 & 889 | पति-पत्नी दोनों के लिए एक पॉलिसी | पूरी जानकारी हिंदी मेंTitle
LIC New Jeevan Sathi 888 & 889 — One Policy for Two Lives Can one life insurance policy protect both husband and wife — and continue even after the first death? LIC’s New Jeevan Sathi is a Joint Life savings plan designed around an important idea: financial continuity for the family. In this video, we explain LIC New Jeevan Sathi Plan 888 and Plan 889 in simple language, so that you can understand how the plans work before considering them for your family. ❤️ ONE POLICY. TWO LIVES. Under New Jeevan Sathi, both spouses are covered under the same policy. The real strength of the plan becomes clear when we look at four important situations: 🔹 First Death The applicable Sum Assured on Death is paid to the surviving spouse — and the policy continues. 🔹 Second Death The applicable death benefit along with accrued Guaranteed Additions, as provided under the policy, becomes payable to the beneficiaries and the policy terminates. 🔹 Simultaneous Death Benefits applicable to the first and second death are payable according to the policy conditions. 🔹 Maturity If at least one of the two lives survives until maturity, the applicable maturity benefit — Basic Sum Assured plus accrued Guaranteed Additions — is payable. 🔵 PLAN 888 — SINGLE PREMIUM LIC New Jeevan Sathi Plan 888 is designed for those who prefer making a one-time premium payment. It may be worth considering for families who have a lump sum available and want to combine joint-life protection with a defined maturity benefit and Guaranteed Additions. 🟡 PLAN 889 — LIMITED PREMIUM LIC New Jeevan Sathi Plan 889 allows premiums to be paid for a limited period, subject to the policy term selected. One particularly important feature is what happens after the first death. Subject to the policy conditions, future base-policy premiums are waived from the policy anniversary following the first death, while the policy continues for the surviving spouse. This can help preserve the family’s insurance plan at a time when its finances may already be under pressure. 💰 GUARANTEED ADDITIONS Both plans provide Guaranteed Additions, but their calculation is different. Plan 888: Guaranteed Additions accrue at ₹70 per ₹1,000 of Basic Sum Assured per policy year, subject to policy conditions. Plan 889: Guaranteed Additions are linked to the applicable tabular annual premium in respect of premiums paid, with eligible incentives enhancing the applicable GA rate. Remember: these are Guaranteed Additions — not bonuses. New Jeevan Sathi 888 and 889 are Non-Linked, Non-Participating plans. 👨‍👩‍👧 WHO MAY CONSIDER NEW JEEVAN SATHI? The plans may be worth exploring for married couples looking for: ✓ Protection for both spouses under one policy ✓ Financial support to the surviving spouse after the first death ✓ Savings together with life insurance protection ✓ Guaranteed Additions ✓ A maturity benefit if at least one spouse survives to maturity ✓ Single-premium planning through Plan 888 ✓ Limited-premium planning through Plan 889 The right choice depends on the ages of both spouses, financial objectives, premium affordability, policy term, death-benefit option and other individual circumstances. 📌 BEFORE YOU BUY Ask your insurance advisor to explain how the policy behaves under all four situations: 1. First Death 2. Second Death 3. Simultaneous Death 4. Maturity Also review the official customized Benefit Illustration before making a decision. ⸻ ⚠️ IMPORTANT DISCLAIMER This video is intended for educational and informational purposes only and should not be treated as a personalized insurance recommendation. Benefits, premiums, eligibility, riders, surrender values, taxation and other policy provisions are subject to the applicable LIC policy terms and conditions. Please refer to the latest official LIC sales brochure, policy document and customized Benefit Illustration, and consult an authorized insurance professional before making a purchase decision. ⸻ LIC New Jeevan Sathi — Two lives. One policy. A plan designed around family continuity. #LIC #NewJeevanSathi #LICNewJeevanSathi #LICPlan888 #LICPlan889 #LifeInsurance #JointLifeInsurance #GuaranteedAdditions #InsurancePlanning #FamilyProtection
LIC New Jeevan Sathi 888 & 889 Explained | One Policy, Two Lives | Complete Guide
🔍 LIC Jeevan Utsav और HDFC Sanchay Plus की संपूर्ण तुलना इस वीडियो में हम दो प्रमुख आय योजनाओं की विस्तृत तुलना कर रहे हैं: ✔ LIC Jeevan Utsav ✔ HDFC Life Sanchay Plus दोनों योजनाएँ गारंटीड आय प्रदान करती हैं, परंतु उनकी संरचना, आय की अवधि, विकल्प और लाभ अलग-अलग हैं। इस वीडियो में आप जानेंगे: • Jeevan Utsav की प्रमुख विशेषताएँ • Sanchay Plus के उपलब्ध विकल्प • जीवन भर आय विकल्प की शर्तें • निश्चित अवधि आय विकल्प • प्रीमियम वापसी की सुविधा • किस प्रकार के ग्राहक के लिए कौन सी योजना उपयुक्त है ⸻ 📌 महत्वपूर्ण तथ्य 🔹 Sanchay Plus में जीवन भर आय विकल्प केवल तब उपलब्ध है जब जीवन बीमित की आयु 50 से 65 वर्ष के बीच हो। 🔹 गारंटीड आय विकल्प निश्चित रूप से 10 या 12 वर्षों के लिए उपलब्ध है। 🔹 Jeevan Utsav में प्रीमियम भुगतान अवधि 5 से 16 वर्षों तक हो सकती है। अंतिम निर्णय लेने से पूर्व आधिकारिक पुस्तिका अवश्य देखें। ⸻ 🎯 यह वीडियो किनके लिए उपयोगी है? • जीवन बीमा सलाहकार • वित्तीय सलाहकार • आय योजना लेने की योजना बना रहे व्यक्ति • सेवानिवृत्ति योजना बना रहे परिवार ⸻ 🔔 InsuranceFunda चैनल पर आपको मिलेगा: ✔ जीवन बीमा योजनाओं का विश्लेषण ✔ विस्तृत तुलना वीडियो ✔ वित्तीय जागरूकता सामग्री ✔ बीमा सलाहकार प्रशिक्षण चैनल को अवश्य सदस्यता लें। #LICJeevanUtsav #HDFCSanchayPlus #गारंटीडआययोजना #आययोजनातुलना #LICvsHDFC #जीवनबीमा #सेवानिवृत्तियोजना #InsuranceFunda #बीमाविश्लेषण #आययोजनाभारत
LIC Jeevan Utsav बनाम HDFC Sanchay Plus | कौन सा गारंटीड आय प्लान बेहतर है?
🔥 Income Plans Compared — Explained Simply In this video, we compare two popular guaranteed income plans: ✔ LIC’s Jeevan Utsav ✔ HDFC Life Sanchay Plus Instead of marketing talk, this video breaks down: • Plan structure • Premium paying term • Income start time • Income duration • Maturity benefits • Return of premium features • Age eligibility • Which type of customer each plan suits best This is NOT a promotional video. It is a structured comparison to help agents and customers understand the differences clearly. ⸻ 🎯 What You Will Learn 🔹 How Jeevan Utsav provides long-term income 🔹 How Sanchay Plus offers multiple income options 🔹 When to suggest each plan 🔹 Key structural differences 🔹 Which plan works for young clients 🔹 Which plan works near retirement ⸻ 🧠 Important Clarifications • Sanchay Plus Life Long Income option is available only when age is between 50–65 years. • Guaranteed Income option in Sanchay Plus is available for fixed 10 or 12 years. • Jeevan Utsav premium paying term ranges from 5 to 16 years (not 8–16). Always refer to official brochures before making financial decisions. ⸻ 📌 For Detailed Plan Videos We have separate detailed videos on: • LIC Jeevan Utsav • HDFC Sanchay Plus Links are available in the description below 👇 ⸻ 🔔 Subscribe to InsuranceFunda For: ✔ LIC Agent Training ✔ Plan Comparisons ✔ Technical Analysis ✔ Presentation Techniques #LICJeevanUtsav #HDFCSanchayPlus #GuaranteedIncomePlan #LICvsHDFC #IncomePlanComparison #InsuranceFunda #LICAgentTraining #InsuranceComparison #LifeInsuranceIndia #FinancialPlanningIndia
LIC Jeevan Utsav vs HDFC Sanchay Plus | Detailed Income Plan Comparison
🔥 Season 1 का Grand Finale ज्यादातर LIC एजेंट नई पॉलिसी बेचने के पीछे भागते हैं… लेकिन टॉप एजेंट Renewal Income बनाते हैं। इस Episode 11 में हम समझेंगे: ✔ Persistency क्या है? ✔ 13th, 25th और 37th month persistency का मतलब ✔ Renewal Income कैसे lifetime income बनती है ✔ Policies lapse क्यों होती हैं ✔ Persistency सुधारने के practical तरीके ✔ Servicing कैसे referrals बनाती है अगर आप LIC में long-term सफल होना चाहते हैं, तो यह वीडियो आपके लिए है। ⸻ 🎯 यह वीडियो किनके लिए है? • नए LIC एजेंट • जिनकी persistency कम है • Development Officers • Insurance Advisors • Serious agents जो long-term income बनाना चाहते हैं ⸻ 🧠 सबसे बड़ा Lesson Sales commission देती है। लेकिन Persistency wealth बनाती है। ⸻ 📌 इस Series के अन्य Episodes: Episode 1 – LIC Agent Career क्यों बेहतरीन है Episode 2 – Career Growth & Benefits Episode 3 – LIC Structure & Investment Pattern Episode 4 – Starter Plans Episode 5 – Presentation Skills Episode 6 – Prospecting Episode 7 – Objection Handling Episode 8 – Claim Settlement Episode 9 – Agents की गलतियाँ Episode 10 – Digital Agent of the Future 👉 सभी links description में उपलब्ध हैं। ⸻ 🔔 Subscribe करें – InsuranceFunda अगर आप LIC Agent बनकर serious income बनाना चाहते हैं, तो यह चैनल आपके लिए है। #LICAgentTrainingHindi #LICPersistency #RenewalIncome #LICAgentIncome #InsuranceFundaHindi #LICAgentCareer #LICTrainingSeries #LICAgentsIndia #InsuranceMotivation #LICSuccess
बिना नई पॉलिसी बेचे भी कमाई कैसे करें? | LIC Persistency Secret | Agent Training - Episode 11
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