LIC Jeevan Umang Detailed Review || Is Jeevan Umang LIC Plan 945 Worth It?
HTML-код
- Опубликовано: 30 ноя 2024
- LIC Jeevan Umang Detailed Review || Is Jeevan Umang LIC Plan 945 Worth It?
LIC Jeevan Umang is one of the most popular plans of LIC - and a lot of people dee, this as one of the best Plans of LIC.
LIC Jeevan Umang is a “A non-linked, with-profit, whole life assurance plan".
Watch this video to understand if this plan is worth it or not?
===============================================================================
Follow our channels (bekifaayati) on
Instagram: / bekifaayati
Facebook: / kifaayati
Linkedin: /
Twitter: / bekifaayati
#licjeevanumang #jeevanumang #jeevanumanglic
===============================================================================
We Simply the World of Personal Finance!
Subscribe Our Channel to Uncomplicate Your Financial Life
/ bekifaayati
Madam, 10 lakh ki policy me Survival benefit 8% ( Rs 80,000) milehi, na ki Rs 2 lakh.
Please rectify it otherwise it will create a negative market for LIC
Sahi kaha aapne
True, she first need to study it properly and then state anything
😢😅@@anilaggarwal3199
Yes right 80 K milenge
After PPT, if the person is alive then he will get 8% of basic sum assured. And you are telling it will be 20%.
Yes that's true. She is telling the wrong information
Yes
Lagta hai lic walo ne inko bhi khareed liya
Wrong information not 20% only 8% of sum assured
Yes correct
Don't spread fake news madam
Well explained mam. I have a serious question, those who don't have ITR more then 5 Lakh - those people don't get term insurance and those who don't want to invest in market link mutual. For those 8% guaranteed returns acceptable. And about jeevan umang. It's a pension + maturity plan. And much more.
True I called hdfc life agent for term plan and guess what he never came and now he is not attending my calls so what we do if no one want to sell you term plan
I have term insurance + regular SIPs in mutual funds.
But I'm planning to take jeevan umang as a backup insurance though I already have pure term plan
Jeevan umang (100years life insurance + Pension plan + low rate loan benefits + surrender benefit at any time)
Am I taking the right decision? Pls suggest suggest
@@vishalrao4073 you must have not heard my city name. Is it important to know city name for my question ❓
You didn't understand my question ❓ no worries thanks for your time.
Again as I mentioned in my post, I'm looking for backup term plan, not just investment.
For investment I have regular SIPs in mutual fund, Swing trading in share market.
I was asking for backup term plan.
I don't think there is anything better than Jeevan Umang which meets my requirements.
Yes
@rakeshthalal Brother , Yes you are planning right but don't go for surrender if you don't want to continue this policy. Instead of surrender go for paid up.. because this is only policy of LIC whose bonus continues to be added to it even after the premium payment is stopped.
Mam ,pehle to ap apne ap ko update krlo.
Survival benefits are 8% not 20% of BSA.
DONT misguide people,this is one of the best plan that LIC has.
Those who are willing to buy this plans please see this plan from insurance perspective first.
As LIC is providing a good returns with insurance.
This plan provides increasing sum assured.
There are no tax on survival benefits.
You are sharing wrong info. It is 8%, not 20%. There are many people who blindly follow creators like you, at least for the sake of them, correct it. This is a lesson for everyone taking reference from RUclips platform, do your own research properly from official sources before & after taking any reference from unofficial sources.
Yes u are right
Confuse kar dia didi ne. It's good that comment section is full of correct information
Return during survival period is 8% annually on Sum Assured not 20%.
It's big mistake between 8% n 20% ?
I put in grt trust in u.once I got a full refund of air ticket which I booked on wrong date after watching one of your videos..Since then I always seek your opinion too...Good job
8% of the basic sum assured is paid yearly and not 20%. Please double check the policy documents
Ha
Very nicely explained. if the objective is life coverage or better returns, then better go for term policies and invest in MFs or ETFs respectively. This kind of policies are just not worth it. The IRR at the end of the maturity period is pathetic as they dont even beat the inflation rate. Many of us are not aware of this aspect and simply fall for the marketing gimmics of these insurance companies.
Sir, she has totally given wrong calculations , like instead of 8% survival benefits she is talking about 20% survival benefits. The IRR is also calculated wrong. She is not well versed with the product. The policy gives a maturity value or death benefit in ADDITION to survival benefits already paid. She should apologise to LIC for the mistake and creating a negative and false information.
I think there is a mistake in understanding here. The minimum sum is 2L per year for 15 years. So essentially a person has to invest 30L. So the per year premium of ~7k is not an option.
this is point .
Sometimes policy amount with respect to time is funny... Let's suppose mere papa (61 years today) ki policy mere baba ne Li hoti 1962 me.. us time pe paise chalte the.. to mere baba apni present life ko compromise karke ek bade amount ki EMI pay karte jo ki 5-7rs hoti.. to aj mere papa ko maturity benefit milta of sum assured + basic + Falana + dhimka of total 5-6000 rs. 😂😂
Mere baba Parlok se dekh ke apna sir Peet rhe hote ki isse achha to apni present life me hi thoda achhe se ji lete...
To sum this up.. guys don't go for a policy of 40-50 years or more.. us time apke sum assured ki value aj apke EMI ki value ke comparison me bhi sasti hogi.. go for shorter terms with maximum benefits..
You have skipped the point that all returns are Tax free u/s 10 10 D. If u consider 30% bracket then u save a lot.
Not really, if the growth of the money is 5% then other instrument will give you money even after tax
But at maturity time say after retirement age of 60, how many such cases would be of 30% bracket
I agree term policy of 50lacs is better then taking this policy 👍 thanks for the detailed explanation 😊
I want to take a home loan of 20lakhs, so what will be the good term policy for me? Because for home loan cause a insurance or term policy is mandatory. So please suggest
@@dolaroy2590 Please share your age !
in term plan u see big numbers as claim ok
but chor insurance company can reject death claim on any hidden grounds
they are masters in art of rejection study
so no claim, no maturity benefits , everything will go in vain
My lic policy has matured on 12/10/2017 but still now no intimation from lic office. Now what to do & will get interest nearly 5.5 years & how much ROI after maturity if not received maturity amount. Pl tell me details.
Still not received maturity amount ?
Lic policy table no 936 endowment plan ka analysis and it's alternative.....kafi middle class log isse opt krte hai / ya isme fas jate hai ....it is presented as a mix of both insurance and investment aap isse analyzes kijiye and aware kriye 🙏
I was under the impression that LIC invests in safe assets like bonds, gold etc. but recently came to know that LIC invested in stock market. Loss of trust. Now I am even worried about my 16 lac already invested.
LIC asset is worth 36 lakh crore., which can purchase pakistan country 2 times, average monthly income Of LIC is 30 thousand crore from equities.
There is also a section in our constitution that centre govt. Will solely responsible for every single penny in LIC , so dont worry and dont spread fake rumors.
I have stopped investing in LIc or any insurance policies. Better to invest in real estate ,gold,mutual funds and equities. I have shifted my entire 6.6 crore portfolio in these.
@@chaaaaaaaaaaaad you Don't need life insurance for yourself but there are others family members who depends upon on you. Just think about you family in your absence.
@@Sanjeevkundal1991 I have life insurance from Icici and Hdfc life insurance companies worth 1 crore each but that's pure insurance and not investment plus insurance.
Ma'am what if we earn below 2 lakh ... How one can take term insurance... Kindly make a video on term insurance...
ruclips.net/video/NNfVh9NZ5nk/видео.html
Already covered.
@@bekifaayatikindly correct the errors in this video
Hi
I am Arijit Kar, I am a policy holder of LIC's Jeevan Umang plan. My yearly premium is 2.6lacs per annum in Jeevan Umang. I have choosen 15 yrs as policy paying term. Can I get the money with full benefit at the end of the 15yrs? If I want to get total amount not as a pension. I need to get money at a time not in a pension scheme. Please let me know how much will I get in the 15th or 16th year?
Thanks and regards
Arijit Kar
I can inform you. You from which city ?
It's 8% after premium paying term , you are saying 20% Please check and confirm
You Explain cons of jeevan umang in your prospective which is not upto the mark.
1) You said 2 lakh sum assured , invested for 25 years, installment will come Rs.7,800/-, this is wrong installment will come rs.8,484/-, which can also invested with different terms like 15 years, 20 years, 25, 30. Undoubtly 15,20,30 gave higher returns in their terms but you explained the term which is having lower rate of return which is also not good. If we take 15 year term with same sum assured they also provide moneyback from 16th year , undoubtly gave higher returns equal to 8%.
2) second is, you cant compare LIC policy with ppf, mutual funds, pf and all beacause they dont provide insurance to the policy holder even the policy started the same day. Mutual funds , ppf depends upon the equities(share markets) which lic dont as jeevan umang is with profit plan.
There are many prospective other than LIC like sukanya samridhi, pmvvy, kkn which gives better returns than LIC ,which does not mean that Lic is Bad.
In Jeevan umang , you can surrender the policy any time with limited fund cutting but in your ppf you can not surrender the funds in that way which LIC does
3) You Said Gst is involved in Premiums of LIC, I can say yes
But at the time of maturity and surrender LIC dont treat the funds as income as mutual funds does, other instrumsnt does, so LIC dont cut TDS and provide complete funds to the policy holder which are TAX free under section 10(10)D.
4) there are not any seprate expenses or any other charges involved in the policy.
Last from my side
Dont Use LIC logo in your background without the permission of the LIC , Otherwise you have to be answerable for that which will cost you big.
Bhailog idar pighal mat jana, please research - and check rate of return - its only 4-5 % after 12-15 years,inflation 5% se badata hai dosto.
LIC Jeevan Amer term policy best policy in LIC.
one feature which you not mentioned that it's Survival benefits and maturity are tax free which will increase it's IRR. please don't misguide people with incomplete knowledge
it's 8% of sum assured not 20% don't spread misinformation if you don't know the exact figures
Apke hisab se aj ki date may best policy kyon si h
1. Term plan kyon sa best hai
2. Child (new born baby) plan kyon sa best hai
Mutual fund sip
Madam please read Jeevan umang document carefully
In this policy 8% of sum assured is returned as survival not 20%
LIC Ki image karab mat Karo *कि*
Later people will blame LIC when they will not get this return as described by you
This video will defame LIC image.
Mutual fund ke comparison......yaha premium pr tax benefit available h.....
Agar koi 1.2 lakh yearly payment kr raha h..
Toh 24k se 36 k Tak voh tax bacha leta h....
Return tax free h kon batayega madam....
MF pr capital gain tax lagta h yaha kuch nh lagta.....or madam kounse charge???
Tax ke alava koi bhi hidden charges nahi h yaha......tax toh sbhi cheezo me h.....
FD RD MF PPF
Review do lekin details shi batao....
Ye bhi batao madam ke...
Agar 2, 3 ya 5 saal customer PPF , MF me invest krega....toh death pr sirf investment amount+ IRR milega....
But UMANG me 5-6 time of his investment milega...... insurance toh involve kro madam.....
Insurance policy ko.... investment se compare kr rhe ho.....
Yaha insurance ke sath 5.75% return h......jisme 80c ka tax benefit add krogey toh yahi return 7-8% se zada ho jayenge
Umang is far better mam......
One more thing......aap jis company ki burai kr rhe ho......vaha investment krne ka fayda insaan ko death ke baad samjh ata h......
Corona me kaha thi ye sb high return IRR companies??
Sahara kaha gyi madam.....
👌👏👏
Lic is the only company which gives high coverage after 60years. None of private company provide term insurance after 60 years, here it is 100years
what term insurance? look at the amount they are covering you for!! at that age, that amount is useless!
@bekifaayati ... your research is bogus. You even didn't read the policy benefits properly and made a video claiming that insured will get 20% of sum assured till alive... That's absolutely incorrect. Stop spreading incorrect information. As per this policy after premium payment term, one will get 8% annual of sum assured until alive. You even did not have done basic home work.
Tata AIA 30 YEARS plan (Insurance+Investment) as stated on Policy Bazaar
Mam dont name Comments of investors as fake. They are called concerns. But thanks for the constitutional info.
Kindly research properly about the plan you are not giving factual details. In term plan your value decreases as time passes because if today you are thinking 50 lakhs term plan is ❤ benefiical its value will decrease as time passes because your income increases and in Jeevan Umang your value increases every year returns and risk cover wise. So go through it again.
Just wanted to check if the fix return is of 20% of SA or 8%.
8%
for 20% take risk n invest in mutual fund not lic
Which is the best insurance policy?
its 8 % btw its a good policy and overall little better than jeevan utsav
Kindly make video on LIC jeevan shanti policy.
Sure, we will try to cover this in our future videos.
Maine li hui hai 5 year Premium jma kr di hai shayd lic ki ye hi sbse bdiya policy hai.
Yes bro, Aapki policy paid-up ho gayi hai
Kitna premium paying term hai apka
@@exploring2300 15 year
can I buy LIC Jeevan Umang policy online?
Contact me sir I'm lic agent and i will provide you all the details about this no need to pay me you can pay online to lic
Mam I am 27 years old which policy is best for me now..
Go for jeevan umang ,it's best plan.
Thanks mam
I invested on Jeevan Tarang of LIC ...SA of 7L.. paying term complete..Mam after 15years what shall I get ??? Plz answer...
Thankyou for this analysis.
Isko surrender kaise krein bhai. 15 saal ki policy li hai. 15 lac sum assured. 1.2 lac per year fd mein bhi daal dunga toh 25-30 lac mil jaenge 15 saal baad. Uss 30 lac ko fd mein bhi daal dunga firse toh 1.5 lac per year mil jaega. Abhi mutual fund se toh compare hi nai kia.
would you please make such videos on LIC as much as you can
Sure, we will try to cover this in our future videos.
@@bekifaayati you have given wrong information in this video
Survival benefit at 8% after PPT.
How about policy surrender at a mid stage? What will be the approx corpus..
Very neatly explained
Then what should we do for pension planning other then NPS
NPS is still shitty way for pension planning, people only take it for section 80 CC tax benefit.
Madam you need to study more as it gives 8% Guaranteed returns of SA after PPT till policy holder survives
Thanks a lot for this detailed video
Plz make video on term life insurance plans of max life,icici,lic....what are the covers premium and benefits?
Just one video got more than one million views and here you have more than one million subscribers how???? Here is the answer make shorts$$$$$ get subs and
Consistency and hard work
Digging deeper and now earning lakhs in a month
Moral of the story is consistent hard work will make your successful
Hi
Just want to point out a mistake survival benefits are only 8% not 20%
Yes bro 8% of Sum Assured Amount
Very nicely explained. Thanks
Now not interested in company. Since in news now.
Madam 10% hi milte hai had Sal na ki 20 %, to 1000000 ka policy lenge to 100000 hi salana milega, mai sahi hun ki aap please check it.
Hello madam, need a video on credit cards with best reward points with fraction consider for point or not. Comparison video.
Coze some times i confuse for using axis Flipkart 1.5% aur any reward credit card. I don't know who consider fraction on transaction or not
hello di aapko PVR Kotak credit card... Gold and platinum compare kar k detail video banani chaiye for movie lover's
Please make a video on "JEEVAN UTSAV" Scheme
Please.......
Is LIC better than FD ?
Lic has single premium plans which gives FD returns +insurance.
(One time investment )
Care Health Insurance Care Supreme plan explain kare it's about health insurance
Also guide on topic that can we buy insurance online or offline which is better
Sure, we will try to cover this in our future videos.
U r highlighted negative parts,,,,,so u suggest me investment which brings high return with secure investment
Mam it's 8% of sum assured
Bach Gaya bhai. Video dekh kar.ab lic se duri bahut hi jaruri 🎉🎉
Dear Mam, as a youngster who got a job recently with a sufficient survival amount of salary, which policies should we take for investments? Please make a video on it
Hello bro , did you got any idea ? I'm in same situation.
@@lordsyamHello Brother, Please share your age so that i can suggest you better option 👍
@@BhargavPunera 27
dost lic umang 945
is one of the best whole life plan in lic history
take it before lic close it , i have taken it
am assured of pension n maturity benefits on my survival
n my family is secured of sum assured n additional riders in sudden mishap
Its 8% not 20% of Sum Assured. Kindly correct the information.
Kamaal hai yaar itna galat information dene wali ke bhi 1.4m followers hai
Madam Jitna bhi sum assured hoga uska 8% every year milega
Or yah madam 20% bata rahi hai
Please make Review video on TATA AIA Sampoorna Raksha Plan
Kindly make video on Postal Life Insurance. Comparison between lic nd pli
Sure, we will try to cover this in our future videos
post not good
If i pay single premium. Then when my pension wil be started?
Can I cancel the Jeevan Umang policy within 2 months??
plz make video on best LIC plan to buy in 20s
Sure, we will try to cover this in our future videos.
Please do a video on kotak fortune maximiser plan
Survival benefit is 8% of SA not 20 %.U don't know the basic detail of this plan and telling - ve things about this plan.
First go through the basics then compare with other things.
Respected madam ji,
Kindly make a explained video on LIC new Jeevan Labh Labh (936) whenever you have time.
hopefully you make video on it
Sure, we will try to cover this in our future videos.
Can u please analyse LIC DIGITAL PROPERTY PLAN
Can you tell me the compare tata aia smart value income plan vs lic jeevan umanag
Can you please analyse the Aditya Birla Sun Life Insurance Nishchit Ayush Plan ??
Please make a video on best policy of Lic
Sure, we will try to cover this in our future videos.
Don't spread negative about LIC & about this Policy...less information shows that you are here only for popularity.
Madam 8 %of sum assured ka milega yearly not 20%
8% survival benefit milta hai, you are confused.
जानकारी में बहुत कुछ गलत हैँ बताया गया हैँ जैसे सब 20%... मेरे हिसाब से ए पालिसी लेना फायदे का सौदा हैँ
Are iski ad me tumhara hi photo hai 😮😊
There are a lot of mistakes in this presentation - also please add that the amount is guaranteed which no other instruments can do.
Kindly review Jeevan Lakshya (933) please. Thanks!
Sure, we will try to cover this in our future videos.
Is Plan Ko Lene Ke Liye Minimum Kitna Paisa Jama Karna Padega
Please advice for best sip policy
ruclips.net/video/Y5b46VwRYWQ/видео.html
Kindly refer to this video.
Can you please share the details of jeevan utsab IRR
Wrong information
U will get 8% of sum assured as survival benefit not 20%
Any policy premium can be paid through credit card ?
Yes you can also make payment through credit card
Term insurance ke bare me bataiye,,, detail me
ruclips.net/video/NNfVh9NZ5nk/видео.html
Already covered.
First of all you study properly about the "Jeevan Umang" policy then you share it on RUclips,
She has such a broad subscriber base .and she is providing wrong information about this plan to big population..its 8,% of sum assured plus about taxes. In mutual funds you wilk pay tax at the time of withdrawal. It is tax free income for whole life pension plus investment plus term plan the best plan one should have.
What about this policy return is tax free so will it benefits to high income tax slab persons and i have heard about 8% returns per year
8% Per Year of Sum Assured Amount
Survival benefit 8% or 20%?
8%
Please analyse New Jeevan Shanti Plan
Please Make video on SIP 🤔🙌
Hi , I have already bought this policy I have to pay approx 5000 rs monthly and for 25 years it's been 1.8 years since I have started paying it
What should I do now ? Should I surrender this policy ? I am only 24 years old so I invested just to secure long term future
Please guide
Same situation brother. It's been 1 year for me. Can anyone suggest what to do? I just hate these Lic plans.. I'm also 24
Close your eyes and Just stop paying anymore premiums. Forget about the money and start investing same 5000 in sip.
awesome... 👍
Madam...2 lakh nhi milta..80k.milta hai.... please correct this ....