LIC New Jeevan Anand (Plan No: 815)|| Detailed Benefit Illustration Premium calcul...

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New Jeevan Anand (Plan No:815)

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Jeevan Anand is one of the most sold endowment plans of LIC, which provides Risk Cover even after

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maturity up to 100 years of age. LIC has launched New jeevan Anand (Plan No: 815) in new avatar.
This plan also provides double accidental benefit in case of accidental death up to 70 years of age.
This article gives comprehensive deatails of policy and various benefits associated with New Jeevan

Related Links

Anand Plan.
Jeevan Anand (149) Maturity Calculator

Plan Parameters

New Jeevan Anand Plan (815)

Age of Entry

18 to 50 years
Calculate your Age

Premium Paying Mode

Yearly, Half Yearly, Quarterly, Monthly (ECS Only)

Policy Term

15 to 35 Years

Basic Sum Assured

100000 and above ( in multiple of 5000)

Policy Revival

within 2 year

Rebate

2% on yearly, 1% on Half Yearly, Nil on Quarterly

Loan

After 3 years

Surrender

After 3 years of full premium payment

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Benefit Illustrations
To Illustrate the benefits of New Jeevan Anand,
Lets

take

an

example

of

person

who

Comparison between Jeevan Anand and

Bank's RD
Difference Between New Jeevan Anand
and Old Jeevan Anand
Premium Calculator for New Jeevan
Anand (815)

More Items
Comparison Endowment plan (814) vs
Jeevan Pragati (838)

is

purchasing New Jeevan Anand Plan with following

Maturity Calculator for Jeevan Pragati

(838)

details.
Sum Assured: Rs. 5,00,000

Premium Calculator for Jeevan Pragati

Plan (838)

Policy Term: 21 Years

Policy Purchase Year: 2015
Age: 26 Years

Premium Calculator for Jeevan Shikhar

Plan (837)

Yearly Premium: Rs. 27454 Calculate

To Calculate benefits with details other than

LIC Jeevan Pragati Plan (838) Details

above, go to Maturity Calculator.

Premium & Maturity Calculator for

Jeevan Shikhar (837)
LIC Jeevan Shikhar Plan (837) Details

Maturity Details
If policy holder survives the policy term ( i.e. 21 years ), Maturity will be as under.
Maturity Year

Age at Maturity

Maturity Amount(approx)

2036

47

1102000

Maturity Calculator for Jeevan Labh

(836)
Premium Calculator for Jeevan Labh
(836)

After Normal Risk Cover continues even after maturity. Following table provides details of yearLIC Jeevan Labh Plan (836) Details

wise risk cover.

Year

Age

Normal Life Cover

2036+

47+

500000

New Jeevan Anand Premium and

Maturity Calculator
Comparison between LICs Jeevan
Akshay VI and Banks FD

Year-wise Death Claims

Maturity Calculator for LICs New Money

Back Plan - 25 years (821)

If death happens during the policy term ( Before 21 years ), 125% of Sum Assured + Bonus +
Final Addition Bonus(FAB) will paid to nominee and it is indicated as Normal Life Cover.In case

Maturity Calculator for LICs New Money

Back Plan - 20 years (820)

of accidental death, additional amount equal to sum assured is also payable to nominee, the
calculation is indicated as Accidental Life Cover.Calculation of year-wise and age-wise death
benefit according to accumulated bonus and FAB is illustrated below.

Year

Age

Normal Life Cover(approx)

Accidental Life Cover

(approx)
(With Double Accidental
Benefit Rider)

2015

26

649500

1149500

2016

27

674000

1174000

2017

28

698500

1198500

2018

29

723000

1223000

2019

30

747500

1247500

2020

31

772000

1272000

2021

32

796500

1296500

2022

33

821000

1321000

2023

34

845500

1345500

2024

35

870000

1370000

Premium Calculator for Jeevan Lakshya

(833)
Premium Calculator for LICs Amulya
Jeevan 2 (823)
Maturity Calculator for LICs Jeevan
Tarun Child Plan (834)
Premium Calculator for LICs Jeevan
Tarun Child Plan (834)
Premium Calculator for LICs Money Back
Plan - 25 years (821)
Premium Calculator for LICs Money Back
Plan - 20 years (820)
Maturity Calculator for Jeevan Lakshya
(833)
LICs New Endowment Plus ( 835)

http://www.insurance21.in/new-jeevan-anand-plan-815.php

3/31/2016

LIC New Jeevan Anand (Plan No: 815)|| Detailed Benefit Illustration Premium calcul...

2025

36

894500

1394500

2026

37

919000

1419000

2027

38

943500

1443500

2028

39

968000

1468000

2029

40

1007500

1507500

2030

41

1034500

1534500

2031

42

1064000

1564000

2032

43

1093500

1593500

2033

44

1135500

1635500

2034

45

1187500

1687500

2035

46

1227000

1727000

Page 2 of 6

LICs Jeevan Akshay VI Pension Plan

(189)
LICs Jeevan Akshay Pension Calculator
LICs Jeevan Tarun (834)
LICs Amulya Jeevan II (823)
LICs Jeevan Lakshya (833)
Premium Calculator for New Endowment
Plan 814
LIC's Limited Premium Endowment (830)
LIC's New Endowment Plan (814)

Comments

Maturity Calculator for New Endowment

(814)

rajesh seth wrote:

24-03-2016 18:15:36
i am 26 and my wife also. we invest 30000 per year. which plan is suitable for us. in single or dute plan?

Ravi Replied:

LIC's Jeevan Shagun vs Bank's Fixed

Deposit
New Jeevan Anand (815) Maturity
Calculator

24-03-2016 20:27:29
Both of you can take jeevan lakshay.
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Ram wrote:
21-03-2016 18:38:04
hi sir my father's age is 62 and mother's age is 48 i want to take 2 different policies of 5 lac for both please
suggest me best plan according to their age and please state reason also for opting specific policy

Ravi Replied:
21-03-2016 20:46:06
Age your fathers age is 62, so the premium to purchase a sum assured will be very high and return will be
according to sum assured purchased, I would not suggest any policy for him but he can have pension plan
with option 10.
For your mother your can take endonwent plan 814. It would better to take a regular premium paying
(Jeevan lakshay or Jeevan Labh) policy in your name instead of your father.
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nanji k sagarka wrote:

09-03-2016 21:53:22
mera bima 2001 me jivan aand hai jiska priyam chhe mas me 2679 ata hai to meri bima kab pakega aur kitani rasi
muje milegi javab dijye sir

Ravi Replied:
10-03-2016 17:40:07
Bima rashi (sum assured) aur term kitna hai ?
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santosh wrote:
06-03-2016 01:50:28
Lic plan no 815 returns guaranteed or not? And suppose if I pay annual premium of Rs 283000 for 17 years then
how much amount I can earn as pension annually?

Ravi Replied:
06-03-2016 10:09:04
The maturity amount equals to sum assured (guaranteed) + Bonus (variable). Bonus can also be considered
as guaranteed because, Bonus accumulates year-wise and become guaranteed to be paid at maturity. For
example, someone took policy of sum assured 10,00,000 with 21 year term in year 2013 then bonus rate
for 2013-14 was Rs. 48 per thousand of sum assured. so accumulated bonus amount will be 10,00,000 x
48/1000= 48,000 and for 2014-15 it was 49 then, accumulated bonus is 49,000, so 97,000 accumulated in
these 2 years becomes guaranteed to be paid after 21 years.
In Jeevan anand you will get entire maturity amount as a single amount as per product specification. It is up
to you to buy a pension plan available at the time of maturity or you can opt for maturity settlement option
where you can take your maturity as yearly equated amounts up to 10 years.
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NARESH KUMAR YADU wrote:

05-03-2016 15:06:03
815 wali plan liya hu ...mera bhima dhan 1500000 lack ka hai ...21 sal ke bad mujhe kitna milega......mei sal me
81586 payment de raha hu...lekin bima dhan 21x81586=1713000 ho raha hai..

Ravi Replied:
05-03-2016 15:50:47
Bima dhan ( sum assured) total premium se jyada ho sakta h.
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LOVELY wrote:
03-03-2016 23:59:00
My son will be 35 on march 21st of this year. He wish to take one of the policies ofnew jeevan anand and jeevan
labh .he wish to pay upto rs 35000 per month. Which policy will be best. Pl suggest

Ravi Replied:
04-03-2016 22:38:53
I would suggest Jeevan Labh.

http://www.insurance21.in/new-jeevan-anand-plan-815.php

3/31/2016

LIC New Jeevan Anand (Plan No: 815)|| Detailed Benefit Illustration Premium calcul...

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Page 3 of 6

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Sivaraman wrote:
25-02-2016 15:35:21
Vanakkam Sir, Whether it is possible to take the Jeevan Anand policy at two times. One policy this year and
another one policy after two years?

Ravi Replied:
26-02-2016 02:17:53
Yes, you can.
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JAGADEESH wrote:
22-02-2016 20:32:08
Dear sir, if a person has a jeevan anand plan (s.a. five lakh) and matured at 56th age. He died at his 98th
age .then nominee get five lakhs ?

Ravi Replied:
22-02-2016 21:51:24
he will get 500000 bonuses at age 56 and in case of death at 98 his nominee will get another 500000.
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Dipu wrote:
22-02-2016 17:01:13
Sir, I am looking new jeevan anand plan (815) for my wife. The S-A is 300000 for 16 years. Age is 26, so please
provide me regarding policy detail.

Ravi Replied:
23-02-2016 21:17:27
Please use maturity calculator for this plan.
Reply

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M.RAMESH wrote:
22-02-2016 11:45:23
sir iam ramesh iam new policy jeevan anand firt premiume on 22/02/16 this policy changed in new endoment
policy(BONUS IN CREESED ) - YES OR NO

Ravi Replied:
23-02-2016 01:39:44
You can inform Lic branch in written that you are not satisfied with this plan and want to change to some
other plan.
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R K Parida wrote:
22-02-2016 11:16:18
dear sir, i have taken two no. of policies i.e. one is LIC endowment plan (814) whose quarterly premium is Rs.
1360/-& Jeevan Anand(815) whose quarterly premium is Rs. 3049/- and both of the plan are for 20 years. Now I
am 28 years old and i have started the policy from 21.09.2015. so could u pls tell me how much return i could get?

Ravi Replied:
22-02-2016 20:54:30
please find sum assured and term of policy and use maturity calculator.
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Gaurav Ojha wrote:

20-02-2016 15:25:05
Hiii sir, I m 33 year old and I want to invest aprox. 50,000 annualy for 21 year for my daughter which now only 6
month old. Which is the best plan for me from LIC , ICICI Ulip plan , mutual funds and many more

Ravi Replied:
20-02-2016 16:58:24
You may take jeevan lakshay plan (833) with term rider which will be suitable for daughter as it will provide
maturity or death claim amount only on completion of policy term (21 year in your case) can be used for
higher education and marriage goals. Apart from the above,I would also recommend to take SIP and PPF.
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Ravinder Reddy wrote:

20-02-2016 11:54:18
Dear Ravi, Thanks for the details of the plans available. Am 32 years old with an monthly salary of 50k, thought of
investing around 50k per year for furture needs with risk cover and maximum returns, confused with so many
plans. please advice the best 2 plans which i can invest 25k each and get higher maturity and risk cover. and one
more thing in the maturity calculator which you shown its guaranteed or assumption. TIA Regards, Ravinder

Ravi Replied:
20-02-2016 16:52:18
I would suggest Jeevan Labh (836) and Jeevan lakshay(833), I also suggest to take term insurance such
that your minimum life cover becomes 50 Lakh. Maturity calculator shows maturity amount on the basis of
past trends (bonuses) and it it should not vary more than 5-6%.

Ravinder wrote:
20-02-2016 17:04:29
Thanks for your reply, am also in a thought of taking jeevan labh n jeevan anand instead of jeevan lakshya.N term
insurance will not give any returns apart from risk cover still should I take it for safety..please let me know n
should I take these from agent or online which one is cheaper. Thanks

Ravi Replied:

http://www.insurance21.in/new-jeevan-anand-plan-815.php

3/31/2016

LIC New Jeevan Anand (Plan No: 815)|| Detailed Benefit Illustration Premium calcul...

Page 4 of 6

20-02-2016 21:09:27
I suggested term insurance to have adequate risk cover on your life. It is very cheap, so you can have.
Regarding purchasing, Labh, anand or lakshay you can take through agent as these are not available online.
term insurance you can have online. in case you want assistance in buying please let us know.
Reply

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Tharun wrote:
18-02-2016 11:33:00
Hi Ravi, Thanks for your detailed analysis on new Jeevan Aanand plan. I have 2 questions. 1.) I'm an NRI, I took
Jeevan Aanand plan on my last visit to India. After that I checked in LIC India website, saying that Green Card
holders are not eligible for NRI service. (I will get my Green card in next 5 years) 2.) My Plan is 10,00,000 16
years term. So that means after 16 years I will get 20,00,000 and Bonuses and After my death my nominy will get
10,00,000 ?

Ravi Replied:
18-02-2016 11:40:48
1. You should not be green card holder at the time of buying policy.
2. Please use maturity calculator for this plan to get complete details of your plan.
Reply

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prasad wrote:
17-02-2016 06:03:59
i took jeevan anand pension plan two days back can i switch to another policy

Ravi Replied:
17-02-2016 08:19:01
No, you cannot change but you can ask your agent or branch that you want are not satisfied with this plan
and want to change to other plan. they will close it and give another plan of your choice.
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Ganesh Kamankar wrote:

17-02-2016 03:43:34
Dear Sir , 815 New Jeevan Aanand - in which it has mentioned that I will be covered of sum assured after 21 years
of maturity period . If I don't want my Life to be secured after maturity then is there any provision to withdraw
that amount after I get maturity amount - In my case - 5 lacs is sum assured So shall I withdraw rs . 5 lacs
( which will be my life cover after maturity ) from LIC ?

Ravi Replied:
17-02-2016 12:09:31
You can surrender it after maturity, but it will be not full amount if you you will surrender at the time of
maturity then you will get around 30% of SA and it will increase as times increases after maturity.
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Mohit yadav wrote:

13-02-2016 14:53:41
Sir, want to know is long term is beneficial or short term ? for respect of maturity benefited. & risk cover

Ravi Replied:
13-02-2016 15:12:12
Long term, because in long term, premiums will be less and return will be high and long risk cover as well.
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Harshil Dave wrote:

13-02-2016 11:51:00
Dear Sir, I just purchased New Jeevan Anada 815 policies. Total SA is 13.6 lacs. My query is that agent has shown
returns from the 15th Policy year, is this true that jeevan anand policy provides annual returns?? Also Can I avail
maturity amount before the 101th year. For example my policy matures at 60th year of my age.

Ravi Replied:
13-02-2016 12:23:58
I guess you have more than one policy, what are the sum assured and terms of your policies.

Harshil Dave wrote:

13-02-2016 12:40:30
Yes. I have three policies. Details are as under: 1. SA 5 lacs term: 35 yrs 2. SA 4.5 lacs term: 28 yrs 3. SA 5.75
lacs term: 18 yrs.

Ravi Replied:
13-02-2016 12:53:02
Jeevan Anand provides maturity amount on completion of policy term. for example your sum assured 5.75L
will mature in 2033 and your will get maturity amount (11L) approx), however you may opt for maturity
settlement option and take 1.4L each year from 2033 to 2043. and then next plan will mature in 2044 which
will give similar option..
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Anand Veerubhotla wrote:

11-02-2016 21:06:16
Dear Sir, good afternoon. My D.O.B. - 30/06/1974. In the year 2006, I took LIC - Jeevan Anand policy (Table 149
& Term 68-40) ; Sum Assured 10,00,000/- I have been paying premiums in last 10 years consistently without any
delay and got vested bonus double the amount of premiums I have paid. Now I realized that I was mislead by
agent with regard Tenure. According to Schedule, Date of Last payment 23/10/2045 - I will be 72 years old; Date
of Maturity 23/01/2074 - I will be 101 years. This seems to be ridiculous. May I kindly seek your advise about the
possibility of reducing the tenure (I mean date of maturity) with a possibility to pay more premium for the same
sum assured, i.e. Rs.10,00,000/- ? Any wise advise on this topic would be sincerely appreciated.

Ravi Replied:

http://www.insurance21.in/new-jeevan-anand-plan-815.php

3/31/2016

LIC New Jeevan Anand (Plan No: 815)|| Detailed Benefit Illustration Premium calcul...

Page 5 of 6

11-02-2016 23:46:16
No, Maturity will be on 23-10-2046 and from 2046 to 2074 you have life cover of 1000000.
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Vineet Kumar wrote:

11-02-2016 12:50:45
My Details... My Sum Assured: is 700000 Term: 15 Maturity Benefit 1,134,000 Life Long Insurance Coverage After
Maturity 700,000 Sir, i want to know that after complete maturity can I get Life Long Insurance Coverage After
Maturity amount ??

Ravi Replied:
11-02-2016 19:41:40
yes..
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sai tarun wrote:

10-02-2016 19:49:34
After the maturity period, is the risk cover only for an accidental death or for any natural death or for anykind of
death

Ravi Replied:
10-02-2016 20:51:58
Any kind of death.
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Venkat wrote:
10-02-2016 17:10:07
Dear Ravi sir, My Brother opened Jeevan Anand and Jeevan Saral each 500000 in Aug25 and Sep 25 in 2013 year
Respectively. Half-yearly premium basis. in Jan 2016 he died. Aug 25 and Sep 25 2015 is not paid. then how much
amount our family got?? Thanks in Advance, Venkat.

Ravi Replied:
13-02-2016 08:27:15
it seems that he has paid premium for 3 year and eligible for surrender amount as at the time of death risk
cover was not available because of non-payment of premium within time. please mail your policy nos at
care@insurance21.in so that i can provide exact details.
Reply

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udayasri wrote:
09-02-2016 12:23:21
Hi, I have taken this policy for a yearly premium of 26,641 + taxes SA 5lacs policy term 21 yrs Plz let me know
whether Accidental benefit rider is included in my plan or not

Ravi Replied:
09-02-2016 21:53:01
What was your age at the time of taking policy?
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raj wrote:
08-02-2016 20:14:54
Sir, I have taken a plan under (815). The S-A is 300000. My Age is 20 & my yearly premium is 13341 rs. Sir, I just
want to know. what should my last D.L.P?

Ravi Replied:
09-02-2016 16:47:25
suppose you have taken policy for 16 years on 12-05-2015, then date of last payment (DLP) will be 12-052030 in case of yeaely mode and 12-11-2030 in case of half yearly mode.
Reply

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anu wrote:
08-02-2016 14:10:01
Hello Do LIC pay back yearly in jeevan anand or we get total amount in one go. Thanks!

Ravi Replied:
08-02-2016 18:35:59
You will get maturity amount one time. Though there is option of maturity settlement where you will get
equated amounts on yearly basis or half yearly basis.
Reply

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Suraj Shetty wrote:

04-02-2016 18:41:57
I have Jeevan Aanand T No. 815, wherein premium am paying is Rs.61363 which i need to pay for 16 years means
the total i will be paying is Rs. 9,81,808 and still assured sum is Rs, 8,000,00/- how come the sum assured will be
less than am paying can you please explain and let me know the maturity amount i will getting by doing all your
vested bonus ,etc calculations. Also can i close this policy or divert these where i can have better future plan for
my daughter who is 4 year old

Ravi Replied:
04-02-2016 23:34:21
It insurance plan and 800000 is sum assured that means in case of unfortunate event your nominee will be
paid at least 80000 even you have paid a single premium. and after maturity will be 8L plus bonuses ,
please user maturity calculator for approx values.
Reply

Write Comment

http://www.insurance21.in/new-jeevan-anand-plan-815.php

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LIC New Jeevan Anand (Plan No: 815)|| Detailed Benefit Illustration Premium calcul...

Page 6 of 6

T.Praneeth wrote:
04-02-2016 16:32:28
Sir, I have come to know that the normal life cover at maturity is arrived at by adding the sum assured and the
bonuses accrued over the term of the policy and the same would be paid at the time of claim settlement to the
policy holder.I would like to know if the after normal life cover equal to the sum assured at maturity could be
claimed as a lump sum payment at the time of maturity by waiving the life time cover guaranteed by the insurer?

Ravi Replied:
04-02-2016 23:50:38
yes, you may surrender your life cover after maturity.
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T.Praneeth wrote:
03-02-2016 19:52:35
Sir, I have taken a Jeevan anand policy on 01/02/16 and I paid the premium on the same day.But the policy
document s have not yet been issued and I wish to know if it is possible to return the policy and apply for a refund
of the premium.If so what are the penalties or charges that I can be levied for such a premature termination of the
policy?

Ravi Replied:
03-02-2016 20:28:09
Yes, You can terminate, kindly visit your policy issuing branch.
Reply

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Aarti wrote:
25-01-2016 23:29:37
Hello sir I am 32 years single mother I'm state government employ I want to secure the future of myself and my
daughter so want your opinion.

Ravi Replied:
26-01-2016 11:42:58
You can have Jeevan Lakshay with term rider or a pure term insurance.

PRAKASH wrote:
09-03-2016 14:52:18
mrs aarti my persnall opinion is that please open an child account in any of your near bank & buy a piggy bank at
your home and explain to make your child that put the money in the piggy bank daily & in the end of the month all
the money collected in the piggy bank show to ur child he/she will b quit happy after seeing the money & make
them to understand that dis will make ur futher bright and wen u r going to bank show it dat dis is the safe value
locker for ur child this will be benefit in two way ur child will understand the value of money and they will never
missuse of it.
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brijendra singh wrote:

25-01-2016 14:28:58
this is just to confirm that do LIC's agents tell the same premium as to what we see in your premium calculator. I
don't think so. Kindly revert

Ravi Replied:
26-01-2016 11:59:10
I cannot say about your agent, but this will be the premium will be charged by LIC and will be indicated on
premium payment receipt. please note premium are inclusive of accidental benefit rider and service tax.
Reply

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3/31/2016