Life insurance has become a necessity for every person. It also comes in handy with your family in times of trouble. The importance of LIC policy is more because unfortunately in case of death in any event the family gets a financial assistance. It becomes even more necessary for the sole earner in the family. With that in mind, today we are telling you about the 4 best policies for a job seeker.
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LIC Life Unmarked Policy
LIC has this life insurance plan and it also comes with the facility of final edition bonus. Hence it is also called partner policy. It carries a benefit of 8% of the sum insured after the premium payment period for life or up to 100 years of age. It also includes tax benefits on premiums, death benefits and maturity benefits.
The premium paid in it is tax deductible under Section 80C of the Income Tax Act. The policy also has a loan facility. The risk is up to the end of the coverage policy period. In case of suicide up to 80 per cent of the amount paid by the policyholder is refunded, if he commits suicide a year ago.
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LIC Life Immortal Policy
This is a pure term plan and there are two options to choose life cover. The first is just the insured and the second is the increasing the insured amount. The policy covers life cover till the age of 80 and the nominee gets the sum assured if the holder dies during the policy. The policy can be purchased by anyone between the ages of 18 and 65 offline. It has a minimum sum assured of Rs 25 lakh and no limit on the maximum sum insured.
LIC New Life Enjoyment Scheme
In this policy the insured person gets savings as well as life protection cover. This policy offers bonuses as well as risk cover even after the policy period. Anyone between the ages of 18 and 50 can avail this policy. Sum Assured up to Rs 1 lakh is a mandatory condition but you can also take Sum Assured for more amount.
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The policy period is 15 to 35 years. You can take a loan from your policy 3 years after purchasing this policy. Customers can purchase this policy online and offline.
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LIC Tech Term Plan
This is an online insurance policy, which is cheaper than an offline policy. This is a Non-Linked, Profit Winnie Pure Protection Online Term Policy. A person between the ages of 18 to 65 can invest in this policy for 10 to 40 years. The life cover under this policy is Rs. 50 lakhs.
Separate premiums are available for smokers and non-smokers. This is a non-mediclaim scheme and information can be obtained from the official website of LIC.
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