LIC Jeevan Umang Surrender Value Calculator— Policy Surrender Karne Se Pehle Ye Jaane!
LIC Jeevan Umang Plan ek whole life insurance policy hai jo 100 years tak cover aur annual survival benefits provide karti hai. Lekin kabhi-kabhi policyholders financial emergency ke wajah se policy surrender karne ka sochte hain.
Is blog me hum LIC Jeevan Umang Surrender Value ke baare me detail me samjhenge aur ek simple surrender value calculator ka code bhi share karenge jo aap WordPress me use kar sakte hain.
LIC Jeevan Umang Policy Surrender Kya Hai?
Agar aap policy maturity se pehle Jeevan Umang plan surrender karte hain, to aapko surrender value milti hai jo aapke paid premiums aur bonus ke base par calculate hoti hai.
🚨 Important: LIC Jeevan Umang plan minimum 3 saal premiums pay karne ke baad surrender kiya ja sakta hai.
LIC Jeevan Umang Surrender Value Calculator
LIC Jeevan Umang surrender value do tareeke se calculate hoti hai:
Guaranteed Surrender Value (GSV)
Special Surrender Value (SSV)
1. Guaranteed Surrender Value (GSV)
Guaranteed surrender value ka calculation total premiums paid ka ek fixed percentage hota hai.
📌 Formula:
GSV = (Total Premiums Paid – First Year Premium) × GSV Factor
GSV Factor generally 30% se 90% ke beech hota hai.
2. Special Surrender Value (SSV)
Special surrender value LIC ke bonus aur paid-up value ke basis par hoti hai.
📌 Formula:
SSV = (Paid-Up Value + Bonus) × SSV Factor
SSV factor LIC ke rules ke hisaab se vary karta hai.
LIC Jeevan Umang Surrender Value Chart:
LIC Jeevan Umang Surrender Value Calculator:
Aur Bhi Jankari Ka Liya:
FAQ: LIC Jeevan Umang Policy Surrender Se Jude Sawal
Q1: LIC Jeevan Umang policy surrender kab kar sakte hain?
A1: Policy surrender tabhi ho sakti hai jab kam se kam 3 saal premiums pay kiya ho.
Q2: Kya surrender value me bonus include hota hai?
A2: Haan, Special Surrender Value me bonus include hota hai.
Q3: LIC Jeevan Umang surrender value taxable hoti hai?
A3: Haan, agar policy 5 saal se pehle surrender ki jaye to amount taxable hota hai.
Q4: LIC surrender process me kitna time lagta hai?
A4: Generally, 7-10 working days lagte hain.
Q5: LIC Jeevan Umang policy online surrender ho sakti hai?
A5: Nahi, surrender ke liye LIC branch visit karna zaroori hai.
Conclusion: LIC Jeevan Umang Surrender Value Calculator
LIC Jeevan Umang ek long-term wealth creation aur protection plan hai. Agar financial emergency ke wajah se surrender karna pad raha hai, to pehle surrender value ka calculation karein aur LIC branch se consult karein.
Is blog me diya gaya LIC Jeevan Umang Surrender Value Calculator ka use karke aap apni estimated payout easily jaan sakte hain. Agar aapko ye blog helpful laga ho, to share karein aur LIC ke baare me informed decisions lein!