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LIC Dhan Varsha Plan 866 Details: Life Insurance Corporation of India has been coming up with great plans from time to time. This time when the occasion of festivals is going on, LIC has brought its tremendous plan in the market. Its name is LIC’s Dhan Varsha Plan-866, which LIC has just launched.
What is Dhan Varsha Plan
LIC’s Dhan Varsha – A brand new Single Premium plan with Guaranteed Maturity and Life Cover.
For more details, contact your LIC Agent or visit https://t.co/6XAsadXJjD#LIC #DhanVarsha pic.twitter.com/WhkjPZTOmY— LIC India Forever (@LICIndiaForever) October 17, 2022
LIC Dhan Varsha plan is at number 866 in LIC’s table number, which was launched on Monday. It is a single premium plan, which offers you guaranteed savings and protection. With this single plan, you can get 10 times risk cover. This is a single premium plan, in which you will have two options.
first option
On opting for option one, you will get a death benefit of 1.25 times the tabular premium along with a guaranteed addition bonus. Suppose, someone has paid 10 lakh single premium and dies, then the nominee will get 12.5 lakh along with guaranteed addition bonus.
The second option
On the other hand, if you choose the second option in this plan, you will get a death benefit of 10 times the tabular premium with guaranteed addition. In the previous example, the nominee who had paid 10 lakh single premium will get Rs 1 crore with guaranteed bonus. This thing must be coming in your mind that what is the benefit of choosing the first option, when the money of 10 times risk cover is being available in the second option. The answer is that choosing the first option, you will get a higher bonus than the second. Only 2 terms are available in Dhan Varsha Plan 866.
You can plan like this
Before knowing the details of LIC Dhan Varsha plan, you should know that you will not be able to buy it online. This plan will be available offline only. This plan has only 2 terms, first 10 years and second 15 years, you can choose any one of these terms.
Guaranteed Addition Bonus
It is considered very good to have a guaranteed bonus option with a single premium in a Dhan Varsha policy. Its guaranteed bonus will be based on both the option and the term chosen by you.
1st Option Bonus
With this option, if you take a Sum Assured of more than 7 lakhs for a term of 10 years, then you will get a guaranteed bonus of Rs 70 per thousand. In this option, if you choose Sum Assured of 7 lakh or more with a term of 15 years, then you will get a guaranteed bonus of Rs 75 per thousand.
second option bonus
With this option, if you take a term of 10 years, then you will get a guaranteed bonus of Rs 35 per annum. Apart from this, if you choose option 2 with a term of 15 years, you will get a guaranteed bonus of Rs 40 per thousand. With this option, you are getting less bonus as 10x risk cover is available in this option.
You can take the plan till this age
You can choose any option in LIC Dhan Varsha policy, if you have chosen a term of 15 years, then the minimum age to take the policy will be 3 years. And if you opt for a term of 10 years then the minimum age to take Dhan Varsha policy will be 8 years. In this, if you choose the first option, then the maximum age to take the policy will be 60 years and if you are taking 10 times the risk cover then you will be able to join this plan only up to 40 with a term of 10 years. With Option 2, the maximum age will be 35 years if you take a term of 15 years.
this facility
In this Dhan Varsha policy, you will have the facility of loan and surrender. Apart from this, the money received by the nominee can also be taken as a pension in the installment by not taking it together, its facility is also in the new plan of this LIC.
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