LIC of India's Jeevan Suraksha (Pension Plan)

Jeevan Suraksha (Pension Plan)

Jeevan Suraksha is a deferred annuity/pension plan, which allows policyholder to make provision for regular income after the selected term or after the age of retirement.

Risk cover under LIC’s Jeevan Suraksha
On death of the Life Assured during the term of the policy the basic premiums paid, excluding any rider premiums or extra premiums, up to the date of death accumulated with interest at such rates as decided by LIC of India will be payable to the nominee. Currently, the interest rate is 3%, 4% or 5 % if the death occurs within the first 10 years, 20 years or thereafter respectively.

Tax Benefits under Jeevan Suraksha:
Tax relief under Section 80ccc is available on premiums paid under New Jeevan Suraksha I (Table No.147). The premiums paid under New Jeevan Dhara I (Table No.148) qualify for tax relief under Section 88.

At maturity the policyholder can encash upto a maximum 25% of the maturity proceeds as a tax-free lump sum. The balance should be compulsorily converted to an annuity at the rates applicable at the time of maturity of the policy. The policyholder has the choice of opting for any one of 5 annuity options.

The annuity options available under LIC’s Jeevan Suraksha pension plan are

Annuity payable for remainder of life
Annuity payable for life with guaranteed period of 5, 10, 15 or 20 years
Joint life and last survivor annuity to the annuitant and his/ her spouse under which annuity payable to the spouse on death of the purchaser will be 50% of that payable to the annuitant
Life annuity with a return of purchase price on death of the annuitant
Life annuity increasing at a simple rate of 3% per annum

Benefit Illustration of LIC of India’s pension plan Jeevan Suraksha:
Please send a mail to tarun.lic@gmail.com along with following details for specialized illustration for you.

Name
Date of birth
Address
Contact Details:

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53 Responses to “Jeevan Suraksha (Pension Plan)”

Santharam [ 12Jun09]

Hi,
I am visiting USA currently.I need life certificate for Jeevan suraksha.I am unable to find in in the internet.
Thanks for your help

Santharam

harsh [ 16Sep09]

i want to invest 10000 per month for pension plan my age is 45 and retiremetn age is 60 pls advise me a pension plan

bala [ 13Oct09]

hai iam bala ineed to join with jevan s
urasha penction plan iwould like to know
the what is the sceem detils how i would like to prepar that pls send me d.

thanks.

gurinder singh [ 31Oct09]

helo Mr Tarun how r u , my age is 39 and retirement age is 50, or 52, please advise me a pension plan

admin [ 04Nov09]

Hello Gurvinder Ji,
I will suggest you to go for following options:
Market Plus is one of the good option now a days. but this includes risk of investment in market.
In case you need to avoid market risk you can also opt for Jeevan Nidhi

In case you need some special plans, I can design a special policy for you as per your requirements.

Manjula devi [ 21Dec09]

Hi Tarun,
I am 32 and a mom to a 1.5 yr old girl.
I work for a MNC and a SWE, with a annual income of about 5 lacs. Given my job’s condition and its uncertainity, could you pls suggest a LIC pension plan for me? I want to retire by 52 yrs ie another 20yrs from now.
I trust LIC more than anything else as my dad worked for it, whom i miss now for a valuable suggestion!!

srinivasreddy [ 03Jan10]

Hi my name is srinivasreddy from bhongir i am 22 years old. I am intrested to become an agent and to take a penssion policy,after 5 years period i should get 10000 for month. please advice me which plan is good for me,please call me 9298759463

peter [ 14Jan10]

I want to take a pension plan for myself. I am 40 year old and my retirement age will be 52. I want a steady monthly pension of Rs. 25000/= I do not want any market risk. Please advise me on the plan and the amount to be invested monthly.

Thanks
Peter

raanjunileba [ 15Jan10]

Hello Mr.Tarun

Hope u fine.Well my name is raanjunileba. Iam 31 years old.I want to get good returns in short time.Please admise me a good plan.

Mallesh [ 20Jan10]

I have JeevanSuraksha Pension plan (table-147)for 25 years on 23-Mar-2003. The SA is 3,22,000. Yearly Premium is Rs10,000.
What will be the final Maturity Amount I will get?
Any monthly pension is paid after maturity? My DOBis 01-Jul-1971.

D.Livingstone [ 26Jan10]

D.Livingstone
SHADOW, TC 3/2743-1
PALACE VIEW ROAD, PATTOM
THIRUVANANTHAPURAM
PIN 695004

THOMAS KUNNIL [ 28Jan10]

I took aJeevanSuraksha Pension plan in March 1999 and sum assured is Rs 1,00,000/-. Yearly Premium is 8100/-. My DOB is 23-09-1954 and I will reach 58 years in 2012.
What will be the final Maturity Amount that Ican expect? What would be the monthly pension amount. Pl give some information on these at th earliest.

thomas

mrs.melleza fernandes [ 08Feb10]

I am 36yrs of age, a housewife would like to invest about rs.500 every month, would you help me.

A P Pandey [ 10Feb10]

I opted jeevan suraksha plan on 23-02-2005 premium is Rs 10000/month my date of birth is 05-05-1956 .What will be the pension at time of retirement. can it be withdrawl prematurely.

Dr yogesh Kumar jain [ 20Feb10]

please send full information pf this plan.
thanks
Dr Yogesh Kumar Jain
Assistant Professor
Jain vishva bharati university, ladnun
Dist- nagaur Raj. 341306
M. 09413142180

shivaraj [ 04Mar10]

hi tarun my age is 35 and i wish to retire at age 45 advice for best pension plans

shivaraj

sskrcr@gmail.com

Jasbir Singh Walia [ 08Mar10]

Need an investment plan on monthly basis mode, for aboout 10 years

gouti balraju [ 11Mar10]

i want to take pension plan from lic
please contact

Prashant Rathore [ 01Apr10]

Dear Mr. tarun,
lookin for a good pension plan.my age is 28 and want to invest in single premium (if available otherwise u can suggest any other good plan as well).but not in any market related plan, just for Guaranteed return.

thanks

Bikas Chakrabarti [ 29Apr10]

HI,My age is 57 .which polici is good for me?pls help me. waiting for your reply.
Bikas Chakrabarti.
mobile….09231974235

M.anjaneyulu [ 15May10]

Hello sir,

My name is M.anjaneyulu ,hyd i would like know about Jeevan surakasha schme my planning primiyem minimum 50,000/- per year for 5years term is 15 yerasa what is benfit i will get ,my friend told me after 15years i will get minimum 4laks aftere that every month 10,000 until my death ,after that also my son will get same up to his life end this true can you help me in this

please send me the details
Regards,
Anjaneyulu

J.P.Khullar [ 19May10]

I have a policy Jeevan Suraksh/Surabhi plan. I have deposited Rs.10251/-P.A for 9 years w.e.f.May 2001 having sum assured Rs.80,000/- which is going to mature on 16.6.2010. Now let me know How much amount I will receive and after giving option How much pension permonth I will receive and at what percentage of rate of interest per month. My mobile number is 9871585454

sanjay [ 19May10]

I am Sanjay 33yrs old i want to start pension plan for my future please suggest me

Harsh Singal [ 22May10]

Myself Harsh Singal. My income is 6.00 LACS PER ANNUM AND WANT TO INVEST LAC PER YEAr to secure my future. i want some pension plan which provides me lumpsum amount at my retirement age and it should not be attatched with stock market. money returned should be guaranteed.

pls let me know if such plan is available

harsh singal
99148-33007

RAJENDRA SINGH [ 25May10]

I have a policy Jeevan Suraksh/Surabhi plan. I have deposited Rs.10251/-P.A for 9 years w.e.f.May 2002 having sum assured Rs.80,000/- which is going to mature on 16.10.2010. Now let me know How much amount I will receive and after giving option How much pension permonth I will receive and at what percentage of rate of interest per month. My mobile number is 09835745357

Bhagaban Thakur [ 30May10]

Hello sir,
I am Bhagaban Thakur 32yrs old, Iwant to start pension plan for my future,my annual income 1.4 lacs,I can invest thirty thausands per anum,so please suggest me,
thank you,

Naval Kishore Singhal [ 31May10]

Hallo Mr. Sanjay,
Market plus is the best plan for pension.For more detail, you can contact undersign.
Naval kishore Singhal
9911556875

BINU SAMUEL [ 09Jun10]

Hi Sir,
iam aged 31 now and planning to retire by the age of 48-50 and could invest amount of 25000-30000 a month .will you be kind enough to suggest a pension plan for me please and thanks

sreeni [ 26Jun10]

sir,
i am a hospital staff working in KSA,for past 4years. I would like to join a monthly pension scheme yeilding 12000-15000 per month after a 15 years. Also i want to know the single premium amount and the benefits and the name of that particular scheme from LIC.

Pradeep [ 02Jul10]

Dear sir. Pls give me sugessin for pension plans.

kumar [ 08Jul10]

dear sir,
currently i have 10 lakh in my hand and want to invest for monthly income scheme for rest of my life to earn regular income. pls. advice

ranjan [ 30Jul10]

i want start pension plan for my future. pls suggest and provide details.

satish kumar singh [ 12Aug10]

hai iam satish ineed to join with jevan s
urasha penction plan iwould like to know
the what is the sceem detils how i would like to prepar that pls send me d.

thanks.

modak [ 27Aug10]

i want to invest 20000 per month for pension plan my age is 29 and retiremetn age is 55 pls advise me a pension plan

kedar nath pandey [ 02Sep10]

jeevan Suraksha

Dear sir
My policy no in above scheme is 551436815, dt26.07.2001, I have changed my city ( from Ranchi to Jamshedpur)I have opted for yearly pension , which was due in last July.I request you to help me so that my pension is transferred in my bank account.Kindly help
Kedar Nath Pandey

umesh [ 05Sep10]

Hi,

I am 26yrs, want Rs 15000 as pension and i wish to retire at age 55. What would be the premium for a year in any LIC pension scheme.

PETS [ 28Sep10]

please provide me pension PLAN my age 39

HAMEED [ 30Oct10]

Dear Sir,

My age is 56 and like to reire in the next 2 years. I want Rs 20000 per month income for my retirement stage. please advice good pension scheme.

Sharique Jamal [ 23Nov10]

Hi, I am 23 yyears old & want to Rs.30000/month as a pension at the age of 50 what would be the premium for ayear in Jeevan Suraksha scheme.
Thanks.

c s neog [ 26Nov10]

sir, i want to get pension around 50000/pm.my dob is 15/02/1976.how much i have to pay perannum for a period of 10 years for geeting 50,000/pm pension.plz reply me on my email id.
with rdg-neog

noushad [ 14Dec10]

sir
I am 33 yr,want 10000rs as monthly pension when I reach 52 yrs,is there any scheme prevails pay through single premium to get desired pension.How much I should deposit.Please give reply

Praveen Kumar [ 26Dec10]

My name is Praveen,Qatar i would like know about Jeevan surakasha schme my planning primiuem minimum 50,000/- per year for 5years term is 15 years what is benfit i will get ,my friend told me after 15years i will get minimum 4laks aftere that every month 10,000 until my death ,after that also my son will get same up to his life end this true can you help me in this

please send me the details
Regards,
Praveen KUmar
Doha-Qatar

GRP [ 04Jan11]

Hi,

I am 30,Female,working with a MNC,Could u pls suggest some pension plans where in i can get atleast 20,000/- as monthly pension post 25 years from now.

Also a childrens plan which can give me returns upto 1 crore after 20 years…

PRATAP SALUNKHE [ 10Jan11]

Hi
I have stated investing in Jewan Shuraksha since last ten year .I have payed 10 prmem of 10000 each for the period of ten year which amounted 100000 .Let me know when i will recive my first pention

my Poliy No942676845
Plan-122
Pratap Apparao Salunkhe
satara Maharashtra

Sunil Bangera [ 13Jan11]

Sir,
At present my age is 47 years my retirement age would be 59 years. After my retirement I should get Rs.25000/pm. How much would be my premium for this amount and for how many do I have to pay.
Thanks
Sunil

NANDEESH H N [ 15Feb11]

Sir,

Name NANDEESH H N
LIC Jeevan Suraksha policies – 2 nos
Policy Term – 15 years
Premium Rs. 5001 and Rs. 4999
Sum assured – Rs 193100 and 193000
Commencement date 15-jan-1997
Last Premium – 15-jan-2011.
===========
I have a wife and two sons.
Which annuity option is the best?

JAYESH [ 23Feb11]

sir, i want to get pension around 50000/pm.my dob is 27/02/1976.how much i have to pay perannum for a period of 10 years for geeting 50,000/pm pension.plz reply me on my email id.

dr hemant a sant [ 25Feb11]

Dear tarunjee I have plan 147 for 18 years taken in 2004 when i was 43 age..premium paid rs 10000/- annualy was initially for tax saving.Please send me how much and when can i get returns after 18 years and In between can i withdraw or loan or use this money? Do send me your learned answer thanks.

Liji Rajeev [ 02Mar11]

I am Liji working in Oman for the last 5 yeras. i am planning to join one of LIC;s pension plans. iam 32 yrs old. i wants to know how much amount have to be the annual premium if the pension amount should be 10,000 per month after 12 yrs. Give me the suggestion immediately, whether medical check up required or not

machael [ 08Apr11]

I am 49 and would like to get the details of monthly pension scheme.Retiring 58.

rajakumar bt [ 06May11]

iam 43 years wrking in dubai,like to be retaired fr job at my 60,,could u suggest a gud pension scheme by which ican earn min 15000irsper month..
thanking u
urs faith fully

B. Neog [ 29Aug11]

I am 42 years wrking in PSE,like to be retaired fr job at my 60,,could u suggest a good pension scheme by which ican earn min Rs.25000 per month..
thanking u
urs faith fully

sreenivasulu [ 20Mar12]

Hello, I am 57 years old based at Bangalore. I want pension plan. I want to retire at 65 years with regular monthly Pension of Rs.20,000/-. How much premium amount is required to be paid Monthly – Quarterly – Half yearly – Annually. Thanks

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