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LIC's Jeevan Shikhar - 837
LIC's Jeevan Shikhar (837) is a participating, non-linked, saving cum protection single premium plan wherein the risk cover is ten times of Tabular Single Premium.
The proposer will have an option to choose the Maturity Sum Assured. The premium payable shall depend on the chosen amount of Maturity Sum Assured and age at entry of the life assured.
This plan also takes care of liquidity need through its loan facility.
The plan will be open for sale for a maximum period of 120 days from the date of launch.

Premium Payment Mode:
Single Premium
Term :
15 Years
Minimum Entry Age :
6 years (completed)
Maximum Entry Age :
45 years (nearer birthday)

Minimum Sum Assured :
1,00,000
Maximum Sum Assured :
NO LIMIT (Depending upon Income)
Higher Maturity Sum Assured than MSA amount shall be in multiple of Rs. 20000/-

Policy Benefits :
On Death :
On death during first five policy years:
Before the date of commencement of risk:
Refund of Single Premium without interest. Single Premium mentioned above shall not include any extra amount if charged under the policy due to underwriting decision and taxes.
After the date of commencement of risk:
“Sum Assured on Death” equal to 10 times the tabular single premium shall be payable.
On death after completion of five policy years but before the stipulated Date of Maturity:
“Sum Assured on Death “equal to 10 times the tabular single premium along with Loyalty Addition, if any, shall be payable.

On Survival :
On maturity, the Maturity Sum Assured along with Loyalty Addition, if any, shall be payable.

Surrendered Value :
The policy can be surrendered at any time during the policy year. The Guaranteed Surrender Value allowable shall be as under:• First year: 70% of the Single Premium.• Thereafter: 90% of the Single Premium.

Loan :
Loan facility shall be available under the plan at any time during the policy term after. 3 months from the date of acceptance of risk or after expiry of the free-look period, whichever is later.

Income Tax Benefit :
• Premium paid under this plan is eligible for TAX rebate under section 80c.
• Maturity under this plan is free under sec 10(10D).

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