⭐ LIC Nivesh Plus Plan 849 ke Features, Benefits aur Charges – Ek Pura Guide
Aaj ke waqt mein har koi chahta hai ki uska paisa safe bhi rahe aur grow bhi kare. Saath hi, zindagi ki uncertainties se bachav ke liye life insurance bhi zaroori hai. Aise mein LIC ka Nivesh Plus Plan (Plan No. 849) ek perfect solution hai.
Ye plan insurance protection aur market-linked returns ka ek behtareen combination hai. Aaiye, is blog mein jaante hain LIC Nivesh Plus Plan ke features, benefits, charges aur FAQs, taaki aap sahi decision le sakein.
🔍 LIC Nivesh Plus Plan 849 – Ek Nazar Mein
| Feature | Detail |
|---|---|
| Plan Type | ULIP (Unit Linked Insurance Plan) |
| Premium Payment | Single Premium (sirf ek baar) |
| Entry Age | 90 din se 70 saal tak |
| Policy Term | 10 se 25 saal |
| Minimum Premium | ₹1,00,000 |
| Maximum Premium | Koi limit nahi |
| Sum Assured Option | 1.25x ya 10x of premium |
| Fund Options | Bond Fund, Secured Fund |
| Lock-in Period | 5 saal |
✨ LIC Nivesh Plus 849 ke Main Features
🔹 1. Single Premium Payment
Is plan mein aapko sirf ek baar premium dena hota hai. Baaki poore policy term tak aapko kuch aur dene ki zarurat nahi hoti.
🔹 2. Market-Linked Investment
Aapke premium ka ek hissa LIC ke fund mein invest hota hai — jiska return market performance ke upar depend karta hai.
🔹 3. Fund Options
Aap do fund mein se choose kar sakte hain:
- Bond Fund – Kam risk, stable return
- Secured Fund – Moderate risk, balanced return
🔹 4. Flexible Sum Assured
Aap apne risk profile ke hisaab se 1.25x ya 10x ka life cover choose kar sakte hain.
🔹 5. Top-Up Option
Policy ke dauran aap extra premium dekar apni investment badha sakte hain.
🔹 6. Partial Withdrawal Facility
5 saal ke baad aap apne fund se paise nikaal sakte hain — emergency ke liye helpful feature.
🔹 7. Tax Benefits
- Premium par Section 80C ke under tax chhoot.
- Maturity amount par Section 10(10D) ke under exemption (subject to conditions).
🎯 Benefits of LIC Nivesh Plus Plan
✅ Insurance + Investment Combo
Ek hi policy mein aapko life cover bhi milta hai aur market-based return ka fayda bhi.
✅ Single Premium Plan
Salaried ya business persons jinke paas lump sum amount hota hai, unke liye best option.
✅ No Medical Test (in some cases)
Agar aap 1.25x sum assured choose karte hain, to kai age groups ke liye medical test ki zarurat nahi hoti.
✅ Liquidity after 5 years
Financial emergency mein paise nikaalne ki facility available hai.
✅ Transparency & Online Fund Value
LIC ke website par aap daily apne fund ki NAV (Net Asset Value) dekh sakte hain.
💰 Charges in LIC Nivesh Plus 849
Yeh plan transparent hai, lekin kuch basic charges hote hain jo har ULIP plan mein hote hain:
| Charge Type | Detail |
|---|---|
| Premium Allocation Charge | 3.30% tak for ₹3 lakh, phir 1.5% |
| Fund Management Charge | 0.70% annually |
| Mortality Charges | Policyholder ke age aur sum assured ke basis par |
| Switching Charges | Saal mein 4 baar free |
| Partial Withdrawal Charge | Free after lock-in period (5 years) |
Yeh charges LIC ke official documents ke hisaab se update hote rehte hain, isliye policy kharidne se pehle updated brochure zarur check karein.
📈 Nivesh Plus Returns Kaise Milte Hain?
- Returns directly LIC ke fund performance par depend karte hain.
- Agar aapne secured fund choose kiya hai, to moderate growth expect kar sakte hain.
- Bond fund relatively safer option hai, but lower return.
- LIC ki website par daily NAV values update hoti hain, jisse aap apna paisa track kar sakte hain.
📢 Kya LIC Nivesh Plus Aapke Liye Sahi Hai?
YES, agar aap:
- Ek hi baar paisa invest karna chahte hain.
- Long-term ke liye life cover aur investment dono chahte hain.
- Tax saving ke saath market returns bhi enjoy karna chahte hain.
- Ek reputed aur trustworthy institution (LIC) se plan lena chahte hain.
❓ FAQs – Nivesh Plus Plan ke Baare Mein Aapke Sawalon ke Jawaab
Q1. LIC Nivesh Plus ka minimum premium kitna hai?
👉 Minimum ₹1,00,000 ka single premium hai.
Q2. Kya is plan mein regular investment hoti hai?
👉 Nahin, ye ek single premium plan hai — ek hi baar payment hoti hai.
Q3. Maturity ke time paisa kaise milta hai?
👉 Aapke fund ka market value (NAV) ke hisaab se maturity amount decide hota hai.
Q4. Kya policy beech mein surrender kar sakte hain?
👉 Haan, 5 saal ke baad policy surrender karne par fund value milegi (charges deduct hone ke baad).
Q5. LIC Nivesh Plus kis age group ke liye suitable hai?
👉 90 din se lekar 70 saal tak koi bhi isme invest kar sakta hai.
Q6. Ye plan online milta hai kya?
👉 Haan, aap is plan ko LIC ke official website ya LIC agent (jaise main) ke through le sakte hain.
🔚 Conclusion
LIC Nivesh Plus Plan 849 un investors ke liye ideal hai jo ek baar paisa invest karna chahte hain aur insurance + investment ka combo chahte hain. Ye plan LIC ke trust ke saath aata hai, jiska market mein strong presence hai.
Agar aap bhi is plan mein invest karne ka soch rahe hain, to LIC Future se contact karein – main aapki har step par madad ke liye ready hoon.
🔗 Aapki Agli Kadi:
📞 Call / WhatsApp karein: 7231814845
🌐 Visit karein: www.licfuture.com
📍 Bharatpur mein trusted LIC advisor