LIC Surrender Value Chart – LIC Surrender Value Chart: Policy Surrender Karne Se Pehle Jaane Ye Zaroori Baatein!
LIC (Life Insurance Corporation of India) ek trusted insurance provider hai jo long-term financial security aur savings ke liye best policies offer karta hai. Lekin kabhi-kabhi policyholders kisi financial emergency ya alternative investment ke karan apni LIC policy surrender karna chahte hain.
Is blog me hum LIC Surrender Value Chart aur uske calculation process ke baare me detail me samjhenge.
LIC Policy Surrender Kya Hai?
Jab koi policyholder apni LIC policy maturity se pehle band karne ka faisla karta hai, to use ek surrender value milti hai. Ye amount policyholder ko uske paid premiums ke base par milti hai, lekin ye actual sum assured se kam hoti hai.
LIC policies me surrender value tabhi milti hai jab aapne kam se kam 3 saal tak premium pay kiya ho.
LIC Surrender Value Calculation Formula
LIC surrender value do prakar ki hoti hai:
Guaranteed Surrender Value (GSV)
Special Surrender Value (SSV)
1. Guaranteed Surrender Value (GSV)
Guaranteed surrender value policyholder ko tab milti hai jab policy minimum 3 saal purani ho. Ye value total premiums paid ka ek fixed percentage hoti hai.
📌 Formula:
GSV = (Total Premiums Paid – First Year Premium) × GSV Factor
GSV Factor policy ki duration aur type ke anusar alag hota hai.
Generally, 30% se 90% tak hota hai.
2. Special Surrender Value (SSV)
Special surrender value LIC company ke rules aur bonus ke hisaab se calculate hota hai.
📌 Formula:
SSV = (Paid-Up Value + Bonus) × SSV Factor
Paid-Up Value = (Sum Assured × Number of Paid Premiums) / Total Premiums
SSV Factor = LIC ke rules ke anusar defined hota hai.
LIC Surrender Value Chart:
Aur Bhi Jankari Ka Liya – LIC Surrender Value Chart:
FAQ: LIC Policy Surrender Se Jude Sawal
Q1: LIC policy surrender karne ka best time kya hai?
A1: Agar zaroori na ho, to policy maturity tak hold karein.
Q2: LIC surrender value me bonus include hota hai?
A2: Special Surrender Value me bonus add hota hai, lekin Guaranteed Surrender Value me nahi.
Q3: Kya LIC surrender value taxable hoti hai?
A3: Haan, agar aap policy 5 saal se pehle surrender karte hain to amount taxable hota hai.
Q4: LIC surrender karne me kitna time lagta hai?
A4: Generally, 7-10 working days me amount account me aa jata hai.
Q5: Kya LIC policy online surrender ki ja sakti hai?
A5: Nahi, policy surrender ke liye LIC branch visit karna zaroori hota hai.
Conclusion
Agar aap LIC policy surrender karne ka plan bana rahe hain, to pehle surrender value aur uske financial impact ko samajhna zaroori hai. LIC long-term investment aur security ke liye best option hai, lekin financial crisis ya zaroorat ke samay surrender karna ek option ho sakta hai.
Hamare LIC Surrender Value Chart ka use karein aur apni estimated payout calculate karein. Aaj hi LIC branch se contact karein aur informed decision lein!
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