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If we deposit 1 lakh in bank yearly for 15 years it will earn 30 lakhs with 7.5 to 8% interest rate On this 30 lakh we get 20k interest every month. Ante 2.4 lakh every year.. lic giving 1 lakh per year. Bank also give back 30 lack principle when we withdraw. LIC policies benefit for LIC not for policy holders.
I think term policies are better... Savings or money back is worst. If wr donate 3lacs to company : 50lacs is covered 7lacs again invest in fd as emergency fund 3000Rs intrest put in mf or sip or nifty or liquid fund or.... After 40yrs 1cr is sure 1cr cash, 7lacs emergency fund., insurance 50lacs+ health policy upto 50lacs. What else we need? 😊
i feel this is not such a good plan.. as per current time, premium of 1 lakh per year is very huge, considering 8k per month. India has most of middle class people and paying premium of 8k per month is very huge. but when we start getting the pension of 1lakh after 15 years, lets say 2035, during that period, pension of 1lakh per year is nothing. you cant rent a proper house with 1 lakh per year. in 2035. we end up paying valuable 8k per month in 2020 to receive negligible 8k per month in 2035.
Risk coverage kavalante , we can go for term insurance which will cost around 600 per month even for 30 + years of aged person... Spend 1k per month to take risk coverage and remaining 7k in any good mutual funds and u will see wonders after 10 years only...no need to wait 25 or 30 years...
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Not a great policy in terms of investment Simple - you pay for 15 years Lets say 15 *1 lack = 15 lacks You will get 1 lack after 15th year Now let's calculate 7% bank interest on 15 lacks === 10,50,00 You are getting only 100,000 in lic policy So you will get 50,000 more than a normal lic policy and remember we didn't calculate interest for the premium of 15 years Next If you invest in Mutual Funds or even government Bond you can easily 10 to 15 percent So your return would be doubled arround 3 lacks a month And perks of Mutual funds Easy withdrawal and still get returns No need to wait till maturity So be Wise!!!!
Good sir, you are correct, if you interested in MF, on the next day UNFORTUNATELY we met an exident, our family will not get 15lac by paying 80k like Insurance, Insurance is not a business sir, actually insurance is helping to needy... Please understand. If I am correct please support my comment 🙏 with your likes.
After 100 years do the nominee gets sum assured amount or sum assured +bonus ie more than 1 crore as said in this video. Pls clarify. Any guarantee is given for final amount.
FOR MORE DETAILS AND INFORMATION FOR DOING POLICY PLEASE CONTACT SHIVAKUMAR LIC ADVISOR MOBILE 9248252721 FOR CUSTOMISED QUOTATION WITH ECONOMIC LIFE VALUE CONCEPT THANKU
manishi lifespan ippudu 60 years ki padipoyindi, 30 years age lo plan start cheste 45 years taruvata 80000 per year vastundi for only 15 years. same returns ichestunnaru . taruvata benifits istaro ledo teliayadu clear ga.
what is the value of 80000 after 15 years? now people are paying 80000 to u n after 15 Years u will pay 80000 to people.... super sir, Appudu Aaa amount ki Palli kuda Raavu tinadaniki
No sir.. you will get 80000 rs as Pension . Maturity amt will be different. Pls consult any LIC agent or office for complete information. We are giving you pension @8℅ as gaurantee for upto 100 yrs.
Dear friends, Jeevan Umang is an excellent policy. Please make a constructive criticism. Subject poorthigaa teliyakunda unnecessary comments vaddu. Sum Assured meeda 8% money back life long icche institutions ekkada levu. That too we are paying on installment basis. And if the age is below 30, 6.7% bonus on Sum Assured will be added every year till the paying term ends. Risk cover keep on increases till the death.
Anni telisinattu baga chepparu, jeevan umang plan parama chetta plan, how the risk will increase every year, first you understand the features and benefits 9849850098
@@dhondinikhil3779the purpose of this policy is different, LIC gives you 8% money back every year till death to customer and bonus will be added to the basic sum assured every year till death/100 years of age and huge FAB will be added. All the lumpsum amount will go to nominee. If you want total amount at the time of maturity, you can opt Jeevan Labh
Invest the same amount in post office fd ever year up to 15 years u will get more than this mind blowing income u will get . ... but here there is no insurance coverage for that purpose take lic ANMOL JEEVAN OR AMULYA JEEVAN (ITR) ONLY. If u did any neglagency in fd u will lose for that people lic is wonderful
Disclaimer : The Benefits shown in this presentation are as per the 8% Benefit illustration of LIC of India, Actual values may vary, depends on the corporation profits and experience Ela echharu ga last lo mari depends on Ani echharu yentha varku maravachhu meru cheppina exact amount radhu Antara?
రేయ్ ప్రజలు అమాయకులు అయితే ఇలాంటి పాలసీలు చెబుతారు 60 years తరువాత డబ్బులు ఇస్తారా 60 తరువాత మనిషి 20 ఇయర్స్ బ్రతకడమే కష్టం ...60 years కు ముందు మీరు తీసుకున్న డబ్బుకు ఇంట్రెస్ట్ ఇస్తున్నారు అంతే మళ్ళీ అంతకు ముందు కట్టిన డబ్బులు ఇవ్వరు ఓన్లీ వడ్డీ ఇస్తరు ...indialo best స్కీం ppf స్కీం try చేయండి
10 lakhs ante 1rs interest monthly 10000 ante year ki 120000. Simple logic nuvvu 120000 lo 82000 isthava ante migathadi minguthav next 15 years interest ivvavu and only 1 ruppe interest vesthene intha bokka. Entha worst policy.
I will provide it with documented proof You can contact me on 9912226410 Happyness and assurance of Costomer is my first priority All are good is true A few of them fits to your requirement So planing is much important Agents do it accordingly The only thing you should do is find a perfect and knowledgeable agent Fasak
Nee policy 15years ayyesariki dhani value 150% ki reach avthundhi Meeku ichedi matrame, kakunda mee maturity value every year 5% of you SUM ASSURED INCREASE AVTHUNDHI Kanuka meeru Katrina rojununchi labham lone untaru
FOR MORE DETAILS AND INFORMATION FOR DOING POLICY PLEASE CONTACT V SHIVAKUMAR LIC ADVISOR MOBILE 9248252721 FOR CUSTOMISED QUOTATION WITH ECONOMIC LIFE VALUE CONCEPT THANK U SIR
Yes 30 year's age person after completing 15 yrs term his age is 45 year's so it's 55 years only also I think at this current life style our life span will be max 80years not 100years so we take that yearly pension for 35 year's only also in that we already deposited from our pocket for 15 years. So I consider 20 year's will be the actual pension we take and not sure about that additional asset amount how much we get for the nomine 🤷♀️🤷♀️🤷♀️
Please take Term policy...It's best one...else if you take any other policy's like as linked ir non linked the money value will be reduced aftrr 15 yrs..Example one lac is big amount now but after 15 yrs it will be 10k...so there will be no use for your what you have paid....better take Term insurance with 1 crore so your family will get benefit...
10laks 15years kadite next year nunchi yearly 82000/-🤣🤣🤣🤣🤣...A bank lo fixed deposite chesina 16years ki 10laks ...40laks avtai...8years once double avtai kabatti.....40laks ki entha intrest vestundi bank lo...monthly 70paisa intrest vesukunna 40laks ki monthly 28000/- ..yearly 336000/-...idhi lekka...veedemo 82000/- big ammountga buildups istunaru...aalochinchandi prajalara...mosapovaddu....lic vaddu..govt banks muddu...money safe..large intrest 336000-82000-256000nastapotham
Arey , what is the value of 80000 per year which you get after 15 years .. may be 10000 rs .. per month is not even 1000 .. with this you are claiming as best policy .. how pitty
Never buy any insurance policies for investement. Hardly you get 4 to 4.8% return in 20 years. And for insurance agents they are getting 5 to 7% comission and invester like us they are giving just 4 to 5 %. These stupid people eat the blood of normal people and they are enjoing with our money. Be aware in insurance. Just take term insurance.
@@tharanginigini3508 I was also agent for lic when I was doing my graduation. Lic pay 20 percent commission first year on your premium. Second year onwards 15 percent and after 5th yr 10 percent on endowment policies. That is why they offer max three months payments by the agents to attract customers. It's a huge profit in long term if you can catch good customer who pays regular premium.
Whoever are sughesting 'Term' policies in comments..better know you are protected only for specific term.and not till end of your life ..typically life expectamcy increased 80+ and ppl r living long with poor health
Orey jaffa policys chepkandi ra index funds lo every month 4000 investment chestey after 20yers Dani retuns ni vuhaku andavu jaffa mutual funds is best option for further planing
@yourfacts Mutual funds lo death insurance cover autundaa? I mean if some one paid 3yrs mUTUAL FUNDS FOURTH YEAR UNFORTUNATELY SOMETHING HAPPENED TO HIM.. FAMILY KI EMANNA VASTUNDAA???
Sir meeru 30 years old age vaallanu example ga theesukunnaaru kadha . Mari vaallu ee policy 15 years vacchinappude chesukovaala? Meeru 30 + 70 years pension istamantunnaaru 100 years brathikevaallu enthamandhi vuntaaru? Asalu 15 years age lo pension kosam yearly ₹82000 policy cheese vaallu vuntaaru? 😀😀😀😀😀😀😀😀😀. Matalatho maaya cheyakandi. Friends meeru ₹50lakh to ₹70 lakh insurance kosam yearly below ₹6000 term insurance plan chesukondi migitha amount mutual funds lo monthly sip ga invest chesukondi life baguntundhi.inka interest vunte monthly₹2000 tho Tata pension plan lo gaani, Birla pension plan lo gaani, HDFC pension planlo gaani invest cheyandi.
