LIC Jeevan Umang Plan 945: Details, Maturity, Bonus Rate & Calculation 2026
LIC Jeevan Umang Plan 945 ek participating, non-linked whole life insurance plan tha. Is article mein hum Plan 945 ke survival benefit, maturity, bonus, death benefit, premium payment term aur calculation ko simple Hinglish mein samjhenge.
Important: LIC Jeevan Umang Plan 945 ko 1 October 2024 se new business ke liye withdrawn kiya ja chuka hai. Isliye 2026 mein ye article mainly existing policyholders aur old-plan information samajhne ke liye useful hai.
LIC Jeevan Umang Plan 945 Kya Tha?
LIC Jeevan Umang Plan 945 ek long-term participating whole life insurance plan tha. Isme policyholder ko premium payment period complete hone ke baad annual Survival Benefit milta tha.
Plan ka ek important feature tha ki Survival Benefit Basic Sum Assured ka 8% per year tha, jo policy conditions ke according final premium payment ke baad milta tha.
LIC Jeevan Umang Plan 945 – Important Details
| Feature | Details |
|---|---|
| Plan Name | LIC's Jeevan Umang |
| Plan Number | 945 |
| UIN | 512N312V02 |
| Plan Type | Non-Linked, Participating, Whole Life |
| Survival Benefit | Basic Sum Assured ka 8% per year |
| Maturity | Age 100 par policy conditions ke according |
| Status | Withdrawn from 1 October 2024 |
8% Survival Benefit Kaise Milta Tha?
Jeevan Umang Plan 945 ka sabse important feature annual Survival Benefit tha.
Final premium payment ke baad, policyholder ko policy terms ke according Basic Sum Assured ka 8% har saal Survival Benefit ke roop mein milta tha.
Example ke liye, agar Basic Sum Assured ₹5,00,000 hai:
8% of ₹5,00,000 = ₹40,000 per year
Yeh amount policy conditions ke according applicable period mein payable hota tha.
LIC Jeevan Umang Plan 945 Maturity Benefit
Plan 945 mein policyholder ke survival par maturity benefit bhi tha. Policy ko age 100 tak continue karne par maturity benefit policy terms ke according payable hota tha.
Participating plan hone ke karan applicable bonuses bhi policy benefit calculation ka part ho sakte hain. Bonus fixed return ya guaranteed interest rate nahi hota.
Jeevan Umang Plan 945 Bonus
Jeevan Umang Plan 945 ek participating plan tha. Isliye policy ke benefits mein applicable bonuses ka role ho sakta tha.
Bonus ko fixed bank interest ki tarah nahi samajhna chahiye. LIC ke declared bonuses, policy conditions aur applicable terms ke according actual benefit determine hota hai.
Simple Calculation Example
Maan lijiye kisi policy ka Basic Sum Assured ₹5,00,000 hai.
| Calculation | Amount |
|---|---|
| Basic Sum Assured | ₹5,00,000 |
| Annual Survival Benefit | 8% |
| 8% of ₹5,00,000 | ₹40,000 |
Is example mein annual Survival Benefit ₹40,000 banta hai, subject to the policy terms and applicable conditions.
Death Benefit
Policyholder ki death hone par death benefit policy ke applicable terms ke according payable hota tha. Isme Basic Sum Assured aur applicable bonuses jaise components policy conditions ke according include ho sakte hain.
Exact amount jaanne ke liye policy bond aur LIC ke official records ko check karna important hai.
LIC Jeevan Umang Plan 945 Loan Facility
Eligible policyholders ke liye policy loan facility available ho sakti thi, subject to LIC ke applicable rules and conditions.
Loan lene se pehle interest rate, available loan value aur policy benefits par possible impact check karna chahiye.
Plan 945 Ab Available Hai Ya Nahi?
Nahi. LIC ke official product information ke according Jeevan Umang Plan 945 ko 1 October 2024 se withdrawn kar diya gaya tha.
Isliye 2026 mein Plan 745 ko new policy ke roop mein purchase karne ke bajay existing Plan 945 policyholders ke liye information ke roop mein samajhna chahiye.
Jeevan Umang Plan 945 FAQs
1. LIC Jeevan Umang Plan 945 kya hai?
Ye LIC ka participating, non-linked whole life insurance plan tha jisme premium payment period ke baad annual Survival Benefit ka provision tha.
2. Plan 945 mein 8% kya hai?
8% Basic Sum Assured ka annual Survival Benefit tha. Isse 8% guaranteed investment return nahi samajhna chahiye.
3. Kya Jeevan Umang Plan 945 abhi available hai?
Nahi. Plan 945 ko 1 October 2024 se withdrawn kiya gaya tha.
4. Kya Plan 945 mein bonus milta tha?
Ye participating plan tha, isliye applicable declared bonuses policy benefits mein include ho sakte hain. Bonus fixed ya guar anteed return nahi hota.
5. Plan 945 ki maturity kab hoti thi?
Policy terms ke according maturity benefit age 100 par payable ho sakta tha, subject to the applicable policy conditions.
Final Words
LIC Jeevan Umang Plan 945 ek long-term whole life insurance plan tha jisme premium payment period ke baad annual Survival Benefit ka important feature tha. Lekin ab Plan 945 withdrawn hai, isliye existing policyholders ko apne policy bond aur LIC records ke according benefits check karne chahiye.
Policy ke exact maturity amount, bonus aur future benefits ke liye official LIC records ko hi final reference maana jana chahiye.
Disclaimer
This article is for educational and informational purposes only. LIC plan features, benefits, bonuses, eligibility and terms may be subject to applicable policy conditions and LIC rules. Please verify the latest and exact information from official LIC documents before making any financial decision.
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