LIC Jeevan Anand Plan 149 Surrender Value Calculator: Apni Policy Ka Moolya Janein!
LIC Jeevan Anand Plan 149 ek popular insurance plan hai jo savings aur insurance protection ka combination deta hai. Lekin kabhi-kabhi policyholders ko financial emergencies ke kaaran apni policy surrender karni pad sakti hai. Aise me sabse bada sawal hota hai: Mujhe kitna surrender value milega?
Iss blog me hum LIC Jeevan Anand Plan 149 Surrender Value Calculator ka use samjhenge jo aapko turant bata sakta hai ki agar aap apni policy surrender karte hain to aapko kitna amount milega.
Surrender Value Kya Hoti Hai?
Agar aap apni LIC policy ko maturity se pehle band karna chahte hain, to LIC aapko ek Surrender Value deti hai. Is value ka calculation aapke policy term, premium payment aur bonus par depend karta hai.
Surrender Value Ke Do Prakar Hote Hain:
Guaranteed Surrender Value (GSV) – Ye ek fixed percentage hota hai jo premium paid par depend karta hai.
Special Surrender Value (SSV) – Ye LIC dwara decide kiya jata hai jo bonus aur premium payment ke according vary karta hai.
LIC Jeevan Anand Plan 149 Surrender Value Calculation Formula
Surrender value ka calculation kuch is tarah hota hai:
📌 Guaranteed Surrender Value (GSV) Formula:
GSV = (Total Premium Paid – First Year Premium) × Surrender Value Factor
📌 Special Surrender Value (SSV) Formula:
SSV = (Maturity Sum Assured + Bonus) × Surrender Value Factor
Example:
Agar aapne 10 saal tak ₹50,000 annual premium bhara hai aur surrender value factor 30% hai, to approximate surrender value hoga:
GSV = (5,00,000 – 50,000) × 30% = ₹1,35,000
LIC Jeevan Anand Plan 149 Surrender Value Calculator Kaise Kaam Karta Hai?
Aapko sirf ye details dalni hogi:
✔ Total Premium Paid
✔ Policy Term & Paid Term
✔ Bonus Amount (If Applicable)
✔ Surrender Year
Aur ye calculator aapko turant approximate surrender value bata dega!
LIC Jeevan Anand Plan 149 Surrender Value Calculator:
Aur Bhi Jankari Ka Liya:-
FAQ: LIC Jeevan Anand Plan 149 Surrender Se Jude Sawal
Q1: Kya mai apni LIC Jeevan Anand Plan 149 policy kisi bhi samay surrender kar sakta hoon?
A1: Nahi, policy 3 saal complete hone ke baad hi surrender ki ja sakti hai.
Q2: Mera Surrender Value Factor kaise pata chalega?
A2: Ye LIC dwara decide kiya jata hai aur aap LIC office ya agent se pata kar sakte hain.
Q3: Kya mujhe pura premium amount wapas milega?
A3: Nahi, sirf Surrender Value Factor ke basis par ek certain percentage milega.
Q4: Kya mujhe LIC surrender karne ke baad bhi bonus milega?
A4: Haan, agar aapki policy eligible hai to Special Surrender Value me bonus bhi include hota hai.
Q5: Kya LIC policy surrender par tax lagega?
A5: Haan, agar aap policy 5 saal ke andar surrender karte hain to received amount taxable hota hai.
Conclusion
Agar aap financial emergencies ke wajah se LIC Jeevan Anand Plan 149 surrender karne ka soch rahe hain, to pehle apni Surrender Value calculate karein. Hamare LIC Jeevan Anand Plan 149 Surrender Value Calculator ka use karein aur apni policy ka best decision lein!
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