LIC Policy Surrender Value Calculator: Kaise Use Kare aur Faayde Kya Hain? Aaj ke zamaane mein financial planning aur management bahut zaroori hai. Life Insurance Corporation (LIC) of India ek trusted naam hai jo various insurance policies offer karta hai. Kabhi-kabhi financial constraints ya other reasons ki wajah se humein apni LIC policy surrender karni padti hai.
Is situation mein humein policy ka surrender value pata hona chahiye. Aaj hum baat karenge LIC policy surrender value calculator ke baare mein, jise use karke aap easily apne policy ka surrender value calculate kar sakte hain.
LIC Policy Surrender Value Calculator as below:-
LIC Policy Surrender Value Calculator
LIC Policy Surrender Value Calculator Kya Hai?
LIC policy surrender value calculator ek online tool hai jo aapki LIC policy ko prematurely terminate karne par aapko kitna paisa milega, yeh calculate karne mein madad karta hai. Yeh calculation aapke premium payments aur policy ke duration par based hoti hai.
LIC Policy Surrender Value Calculator Use Karne Ke Steps
1. Policy Details Enter Karein: Sabse pehle aapko apne policy ke details enter karne hote hain jaise policy number, policy term, premium amount, aur sum assured.
2. Premium Paid Details: Aapko ab tak kitne premiums pay kiye hain aur kitne premiums due hain, yeh details bhi enter karni hoti hain.
3. Calculate Button Press Karein: Sabhi details fill karne ke baad, aapko calculate button press karna hota hai. Calculator aapko instantly surrender value bata dega.
LIC Policy Surrender Value Calculation Kaise Hoti Hai?
Surrender value calculate karne ke liye kuch important factors hote hain:
1. Total Premium Paid: Aapne ab tak kitne premiums pay kiye hai
2. Policy Term: Aapki policy ka total duration.
3. Sum Assured: Aapka assured amount jo policy ke end par milta.
Calculation Formula:
LIC policy ki surrender value do tarike se calculate hoti hai: Guaranteed Surrender Value aur Special Surrender Value.
1. Guaranteed Surrender Value:
- Policy ke first 2 years ke premiums pay karne ke baad hi yeh value applicable hoti hai.
- Formula: \[ Guaranteed Surrender Value = 30% \times (Total Premiums Paid - First Year’s Premium) \]
2. Special Surrender Value:
- Yeh value Guaranteed Surrender Value se zyada hoti hai aur LIC ke discretion par depend karti hai.
- Formula: \[ Special Surrender Value = (Total Premiums Paid \times Surrender Value Factor) + Bonus \]
Example Se Samjhein
Maan lijiye aapne ek LIC policy li hai jiska sum assured ₹5,00,000 hai aur policy term 20 saal ka hai. Aapne 10 saal tak premiums pay kiye hain aur total premium ₹3,00,000 hai.
Guaranteed Surrender Value Calculation:
- First Year Premium = ₹30,000 (Assumed)
- Total Premium Paid = ₹3,00,000
- Guaranteed Surrender Value = 30% \times (₹3,00,000 - ₹30,000) = 30% \times ₹2,70,000 = ₹81,000
Special Surrender Value Calculation:
- Surrender Value Factor = 50% (Assumed)
- Special Surrender Value = (₹3,00,000 \times 50%) + Bonus
- Maan lijiye Bonus = ₹20,000
- Special Surrender Value = (₹3,00,000 \times 50%) + ₹20,000 = ₹1,50,000 + ₹20,000 = ₹1,70,000
Is example se aap dekh sakte hain ki kaise LIC policy surrender value calculator use karke aap apna surrender value easily calculate kar sakte hain.
LIC Policy Surrender Value Calculator Ke Benefits
1. Easy and Convenient: Yeh calculator use karna bahut easy hai. Aap ghar baithe apne computer ya mobile se apna surrender value calculate kar sakte hain.
2. Time-Saving: Aapko LIC office jaane ki zaroorat nahi hai. Online calculator use karke aapka bahut time bacha sakte hain.
3. Accurate Estimates: Yeh calculator aapko accurate estimates deta hai jo aapki financial planning mein madadgar sabit ho sakte hain.
4. Financial Planning: Aap apne financial decisions easily le sakte hain kyunki aapko pata hota hai ki surrender karne par kitna paisa milega.
Aur Bhi Information Ka Liya:
Conclusion: LIC Policy Surrender Value Calculator
LIC policy surrender value calculator ek bahut hi useful tool hai jo aapko apne financial plans ko better tarike se manage karne mein madad karta hai. Yeh tool use karna asaan hai aur aapko accurate estimates provide karta hai. Aap apne policy details enter karke easily apne policy ka surrender value jaan sakte hain aur accordingly apni financial planning kar sakte hain.
Agar aapko apni policy ko surrender karna zaroori lag raha hai, toh LIC policy surrender value calculator ka use karke pehle apne surrender value ka pata lagayein. Isse aap better decision le payenge aur apni financial situation ko effectively manage kar payenge.
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