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The reasoning behind the numbers. How LIC actually calculates what it pays, and how to decide between plans that look similar on the surface.
Jeevan Akshay-VII offers ten annuity options. The gap between the highest and lowest is enormous, and it comes down to one question: does your capital need to survive you?
Read the guideJeevan Tarun, Amritbaal and Jeevan Labh all fund education, but they pay out very differently. Match the payout pattern to when the fees actually fall due.
Read the guideLIC gives 2% off for paying yearly and 1% for half-yearly. Quarterly and monthly get nothing. Here is what that costs over the life of a policy.
Read the guideSurrendering an LIC policy usually returns far less than you have paid in. Before you decide, compare the surrender value against the paid-up value, a policy loan and the maturity figure.
Read the guideBoth are LIC endowment plans with similar maturity values. The real difference is when you stop paying and whether cover continues after maturity.
Read the guideLIC bonus is declared per ₹1,000 of sum assured, not on your premium. Here is exactly how the reversionary bonus and Final Additional Bonus build your maturity amount.
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