LIC Jeevan Umang Plan 745
Benefits, Premium, Eligibility, 8% Survival Benefit & Maturity – Complete Guide 2026
What is LIC Jeevan Umang Plan 745?
LIC Jeevan Umang Plan 745 is designed for people who are looking beyond a short-term insurance policy and want a combination of life protection and long-term financial planning. It is a participating, non-linked, individual savings whole life insurance plan.
The interesting part of this plan is that the benefit is not limited to the end of the policy. After the selected premium paying term is completed, the policy can provide an annual survival benefit, subject to the policy terms and conditions.
Simple language mein samjhein to policyholder ek selected period tak premium pay karta hai. Uske baad, eligible policy mein annual survival benefit milta hai. Iske alawa, policy ke applicable conditions ke according maturity aur death benefits bhi available hote hain.
LIC Jeevan Umang Plan 745 – Key Features
| Feature | Details |
|---|---|
| Plan Name | LIC Jeevan Umang |
| Plan Number | 745 |
| UIN | 512N312V03 |
| Plan Type | Participating, Non-Linked, Whole Life Insurance Plan |
| Minimum Basic Sum Assured | ₹2,00,000 |
| Premium Paying Terms | 15, 20, 25 or 30 Years |
| Annual Survival Benefit | 8% of Basic Sum Assured |
| Maturity Age | 100 Years |
LIC Jeevan Umang Eligibility
LIC Jeevan Umang has different maximum entry-age limits depending on the selected premium paying term. This gives customers some flexibility while choosing the term according to their age and financial planning.
| Premium Paying Term | Maximum Entry Age |
|---|---|
| 15 Years | 55 Years |
| 20 Years | 50 Years |
| 25 Years | 45 Years |
| 30 Years | 40 Years |
The minimum entry age is 30 days completed, subject to the applicable policy conditions. The maturity age of the plan is 100 years.
LIC Jeevan Umang 8% Survival Benefit – How Does It Work?
This is probably the first question many people ask when they hear about Jeevan Umang. The 8% figure refers to the annual survival benefit linked to the Basic Sum Assured. It is not the same thing as saying that the policy earns an 8% investment return every year.
For example, suppose the Basic Sum Assured is ₹10 lakh. Eight percent of ₹10 lakh is ₹80,000. So, subject to the policy conditions, the annual survival benefit would be ₹80,000.
Yeh example sirf samajhne ke liye hai. Actual policy benefit, payment timing and other conditions should always be checked from the official benefit illustration and policy document before purchasing the plan.
Jeevan Umang Premium – How Much Do You Have to Pay?
LIC Jeevan Umang ka exact premium har customer ke liye same nahi hota. Premium mainly age, Basic Sum Assured, selected premium paying term, payment mode and applicable policy factors par depend karta hai.
Isliye sirf kisi ek person's premium ko dekhkar apna premium assume karna sahi nahi hoga. Agar aap Jeevan Umang consider kar rahe hain, to official quotation ya benefit illustration ke through exact premium check karna better hai.
Long-term insurance policy choose karte waqt ek important point yeh bhi hai ki premium aapke regular budget ke andar comfortable hona chahiye. Sirf benefit dekhkar policy lena aur future premium affordability ignore karna practical approach nahi hai.
LIC Jeevan Umang Maturity Benefit
Jeevan Umang is a whole life plan with maturity age of 100 years. If the Life Assured survives to the maturity date and the policy is in force, the applicable lump-sum maturity benefit is payable according to the policy conditions.
Depending on the policy terms, applicable bonuses can also form part of the benefits. Since bonus declarations are not the same as a fixed guaranteed return, they should not be assumed while calculating a future corpus.
LIC Jeevan Umang Death Benefit
Life insurance ka main purpose family protection bhi hai. If the Life Assured dies during the policy term while the policy is in force, the applicable death benefit is payable to the nominee according to the policy conditions.
The exact death benefit depends on the plan's applicable provisions, Sum Assured, policy status and bonuses, if applicable. Therefore, customers should always check the official policy document rather than relying only on an online summary.
The plan also provides options under applicable conditions for receiving certain benefits in instalments instead of taking the complete amount at one time.
Bonus in LIC Jeevan Umang Plan 745
Jeevan Umang is a participating plan. That means eligible policies can participate in bonuses declared by LIC, according to the applicable terms and conditions.
Simple words mein, bonus future mein LIC ke experience aur applicable declaration par depend karta hai. Isliye bonus ko fixed ya guaranteed investment return samajhna correct nahi hai unless the policy document specifically guarantees a particular benefit.
Loan Facility and Riders
Jeevan Umang mein applicable conditions ke according loan facility available ho sakti hai. Loan lene se pehle policyholder ko loan amount, interest, repayment requirements and policy par possible effect ko samajhna chahiye.
Additional protection ke liye eligible customers certain LIC riders ka option bhi consider kar sakte hain, subject to rider availability, eligibility and additional premium. Rider lene se pehle uske benefits aur exclusions ko clearly samajhna important hai.
LIC Jeevan Umang Plan 745 – Hindi Mein Samjhein
एलआईसी जीवन उमंग प्लान 745 एक Whole Life Insurance Plan है, जिसमें Life Protection के साथ long-term savings और Survival Benefit का combination मिलता है। इसका current UIN 512N312V03 है।
इस योजना की खास बात यह है कि अंतिम Premium का भुगतान पूरा होने के बाद, policy की conditions के अनुसार Basic Sum Assured का 8% Annual Survival Benefit मिल सकता है। यह benefit एक fixed investment return नहीं है, बल्कि plan का defined survival benefit है।
इस plan में 15, 20, 25 और 30 साल के Premium Paying Terms उपलब्ध हैं। अलग-अलग Premium Paying Term के लिए maximum entry age अलग होती है। Maturity Age 100 years है।
उदाहरण के लिए, अगर Basic Sum Assured ₹10 लाख है, तो उसका 8% ₹80,000 होगा। यह केवल समझाने के लिए illustration है। Actual policy benefits और payment dates policy document के अनुसार होंगे।
इस योजना को लेने से पहले customer को अपनी income, existing insurance cover, family responsibilities और long-term financial goals को ध्यान में रखना चाहिए। केवल annual benefit देखकर कोई भी insurance policy select करना सही तरीका नहीं है।
Who May Consider LIC Jeevan Umang?
- People looking for long-term life insurance protection.
- Customers who prefer limited-period premium payment.
- People interested in an annual survival benefit after the premium paying term.
- Individuals planning for long-term family financial security.
- Customers who want a participating whole-life insurance plan.
However, suitability depends on individual financial circumstances. A plan that works for one person may not necessarily be suitable for another person.
LIC Jeevan Umang Plan 745 – Frequently Asked Questions
Ans: LIC Jeevan Umang ka current Plan Number 745 hai.
Ans: Current UIN 512N312V03 hai.
Ans: Premium paying term complete hone ke baad applicable conditions ke according annual survival benefit Basic Sum Assured ka 8% hota hai.
Ans: Available Premium Paying Terms 15, 20, 25 aur 30 years hain.
Ans: Jeevan Umang ki maturity age 100 years hai, subject to applicable policy conditions.
Ans: Yes. It is a participating plan, so applicable bonuses may be payable according to the policy terms and LIC's declarations.
Ans: No. 8% is the defined annual survival benefit linked to the Basic Sum Assured. It should not be described as an 8% annual investment return.
LINC Jeevan Umang Plan 745
Before purchasing the policy, always check the latest official LIC brochure, benefit illustration and policy conditions.
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