LIC Jeevan Shanti Plan 2026: Benefits, Premium & Annuity Rates

 

LIC Jeevan Shanti Plan: Benefits, Premium, Eligibility & Annuity Rates 2026

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LIC Jeevan Shanti Plan: Benefits, Premium, Eligibility & Annuity Rates 2026

Agar aap retirement ke baad ek guaranteed aur regular income chahte hain, to LIC Jeevan Shanti Plan aapke liye ek behtareen option ho sakta hai.

Table of Contents

1. Introduction
2. LIC Jeevan Shanti Plan Kya Hai?
3. Eligibility Criteria
4. Annuity Options (7 Options Available)
5. Premium (Purchase Price) Aur Investment Details
6. Benefits of LIC Jeevan Shanti Plan
7. Annuity Calculation Example (Approximate)
8. Surrender Value & Loan Facility
9. Tax Benefits
10. LIC Jeevan Shanti Plan Kaise Apply Karein?
11. FAQs (People Also Ask)
12. Conclusion

Introduction

Agar aap retirement ke baad ek guaranteed aur regular income chahte hain, to LIC Jeevan Shanti Plan aapke liye ek behtareen option ho sakta hai. Yeh ek single premium annuity plan hai jo LIC (Life Insurance Corporation of India) dwara offer kiya jata hai. Is plan mein aap ek baar premium pay karke life bhar guaranteed pension pa sakte hain.

Is article mein hum LIC Jeevan Shanti Plan ki har detail cover karenge — eligibility, annuity options, premium calculation, benefits, tax savings aur apply karne ka process.

LIC Jeevan Shanti Plan Kya Hai?

LIC Jeevan Shanti Plan ek non-linked, non-participating, single premium annuity plan hai. Iska matlab hai ki:

• Aapko sirf ek baar premium (purchase price) jama karna hota hai
• Is plan mein market risk nahi hota (non-linked)
• Aapko bonus nahi milta, lekin annuity rate fixed rehta hai
• Aap Immediate Annuity ya Deferred Annuity — dono mein se koi bhi choose kar sakte hain

Yeh plan un logon ke liye best hai jo retirement fund ko ek jagah invest karke fixed monthly/yearly income chahte hain, bina kisi market fluctuation ki tension ke.

Eligibility Criteria

Criteria	Details
Minimum Entry Age	30 years (Deferred) / 40 years (Immediate)
Maximum Entry Age	79-100 years (annuity option ke hisaab se)
Minimum Purchase Price	Rs. 1,50,000 (approx.)
Maximum Purchase Price	Koi limit nahi
Policy Term	Single Premium (one-time payment)

Note: Exact age limits annuity option ke according vary karte hain, isliye policy document ya LIC agent se confirm zaroor karein.

Annuity Options (7 Options Available)

LIC Jeevan Shanti Plan mein aapko total 7 annuity options milte hain — inme se kuch Immediate Annuity ke liye hain aur kuch Deferred Annuity ke liye.

Option	Annuity Type	Description
Option A	Immediate	Life Annuity — jab tak jeevit hain tab tak income
Option B	Immediate	Life Annuity with Return of Purchase Price on death
Option C	Immediate	Joint Life Annuity (dono ko last survivor tak)
Option D	Immediate	Joint Life with Return of Purchase Price
Option E	Deferred	Single Life Deferred Annuity
Option F	Deferred	Joint Life Deferred Annuity
Option G	Deferred	Deferred Annuity for Life with Return of Purchase Price

Immediate Annuity mein income turant shuru ho jati hai (policy lene ke baad), jabki Deferred Annuity mein aap ek waiting period choose kar sakte hain (jaise 5, 10, ya 15 saal baad income shuru ho).

Premium (Purchase Price) Aur Investment Details

• Minimum purchase price: Rs. 1,50,000 (yeh amount plan version ke hisaab se change ho sakta hai)
• Maximum: Koi upper limit nahi hai
• Payment sirf single premium mode mein hota hai — ek hi baar poora amount jama karna hota hai
• Annuity rate purchase price, age, aur chosen option par depend karta hai

Benefits of LIC Jeevan Shanti Plan

1. Guaranteed Lifetime Income

Ek baar policy lene ke baad, annuity rate lifetime ke liye fixed ho jata hai — chahe interest rates market mein girein ya badhein.

2. Loan Facility

Policy lene ke 3 mahine baad (ya jaise policy conditions mein likha ho) aap loan bhi le sakte hain, jo emergency fund requirement ke liye kaafi useful hai.

3. Death Benefit

Kai options mein, policyholder ki death hone par nominee ko Purchase Price wapas kiya jata hai, jisse family ko financial security milti hai.

4. Flexible Annuity Options

7 alag-alag options hone se aap apni requirement (single/joint life, immediate/deferred) ke hisaab se best option choose kar sakte hain.

5. No Medical Test (Generally)

Zyada tar cases mein iss plan ke liye medical test ki zaroorat nahi padti, jisse process simple aur fast ho jata hai.

Annuity Calculation Example (Approximate)

Neeche diya gaya table sirf ek estimate hai — actual annuity rate LIC ki current rates, age aur option par depend karega.

Purchase Price	Age	Approx. Monthly Annuity (Option A)
Rs. 5,00,000	60 years	Rs. 3,000 – 3,500
Rs. 10,00,000	60 years	Rs. 6,000 – 7,000
Rs. 15,00,000	60 years	Rs. 9,000 – 10,500

Note: Exact figures ke liye LIC ki official annuity calculator ya nearest LIC branch se contact karein.

Surrender Value & Loan Facility

• Kuch annuity options (jaise Return of Purchase Price wale) mein surrender value available hoti hai
• Loan facility bhi diya jata hai, jo purchase price ka ek percentage hota hai
• Surrender aur loan terms policy document mein clearly mention hote hain

Tax Benefits

LIC Jeevan Shanti Plan mein invest karne par aap Section 80CCC ke under tax deduction claim kar sakte hain (overall Section 80C ki limit ke andar). Halaanki, milne wali annuity income taxable hoti hai as per aapke income tax slab ke hisaab se.

Tax rules change hote rehte hain, isliye latest updates ke liye apne tax consultant se salah zaroor lein.

LIC Jeevan Shanti Plan Kaise Apply Karein?

Online Process:

1. LIC ki official website par jaayein
2. "Jeevan Shanti Plan" section select karein
3. Annuity option choose karein aur premium calculator se estimate dekhein
4. Required documents upload karke apply karein

Offline Process:

1. Nearest LIC branch ya LIC agent se contact karein
2. Required documents (ID proof, address proof, age proof, bank details) submit karein
3. Purchase price jama karein aur policy document collect karein

FAQs (People Also Ask)

Q1. LIC Jeevan Shanti Plan mein minimum investment kitna hai?

Minimum purchase price approximately Rs. 1,50,000 hai, jo option ke hisaab se vary kar sakta hai.

Q2. Kya is plan mein maturity benefit milta hai?

Yeh ek annuity plan hai, isliye traditional maturity benefit nahi hota — iski jagah aapko regular annuity (pension) milti hai.

Q3. Kya main is plan mein loan le sakta hoon?

Haan, policy lene ke kuch samay baad aap loan facility ka use kar sakte hain.

Q4. Immediate aur Deferred Annuity mein kya difference hai?

Immediate Annuity mein income turant shuru hoti hai, jabki Deferred Annuity mein aap ek waiting period choose karte hain jiske baad income start hoti hai.

Q5. Kya nominee ko purchase price wapas milta hai?

Kuch specific options (jaise Return of Purchase Price wale) mein haan, policyholder ki death hone par nominee ko purchase price return kiya jata hai.

Q6. Kya is plan par tax benefit milta hai?

Haan, Section 80CCC ke under tax deduction claim kiya ja sakta hai, lekin annuity income taxable hoti hai.

Conclusion

LIC Jeevan Shanti Plan un logon ke liye ek solid option hai jo retirement ke baad guaranteed aur tension-free income chahte hain. Iske flexible annuity options aapko apni zaroorat ke hisaab se plan choose karne ki freedom dete hain. Invest karne se pehle apne financial goals, age aur family requirements ko dhyan mein rakhte hue sahi annuity option select karein, aur zaroor LIC agent ya financial advisor se consult karein.

Disclaimer: Is article mein di gayi jaankari general information ke liye hai. Exact premium, annuity rates aur terms ke liye LIC ki official website ya nearest branch se confirm karein.

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