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Shubh Nivesh Jeevan Bima Plan
Introduction/Overview Shubh Nivesh Jeevan Bima Plan is a traditional Endowment Plan for saving and insurance purposes so that a tension-free future is secured. Key Features It is a non-participating plan with Single Pay option
Product Specification
Details About Premium Annual premium in Rupees Policy Details Grace Period: the provision of grace period is not applicable under Single Pay Plans Policy Termination or Surrender Benefit: Policyholder is allowed to surrender the policy anytime. The Surrender Value will be higher of the Guaranteed Surrender Value or the Special Surrender Value. GSV = 70% of Single Premium if surrendered within 3 years or 90% of the Single Premium if surrendered after 3 years Free Look Period: If you would not be pleased with the coverage, and terms and conditions of the policy, you have the option of canceling the policy within 15 days of receipt of the policy documents, provided there has been no claim. Additional Features or Riders High Sum Assured rebates are allowed for a coverage of 1.25 lakhs and above Inclusions The plan provides loan of up to 90% of the Surrender Value Exclusions In case of suicide committed within 12 months of policy inception only 80% of premiums paid are returned to the nominee.
Benefits
On maturity, the Sum Assured is payable to the policyholder On death of the policyholder ,the Sum Assured is payable which should not be less than 125% of the Single Premium if age is less than 45 years or 110% of Single Premium for ages 45 years and above Income tax benefit on the premium paid as per Section 80C and on the claims received as per Section 10(10D) of the Income Tax Act.
Documents Required
Policyholder has to fill up an `Application form/ proposal form with accurate medical history along with the address proof and other KYC documents. Medical examination may be required in some cases, based on the sum assured and the age of the person. United India Personal Accident Insurance BY United India