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LIC's JEEVAN SANGAM Plan - 831
• Non -linked, With-Profits & Single premium closed ended plan.
( Open for sale from 4th March, 2015 for a maximum period of 90 days)

• High levels of death cover during the policy term.

• Option to choose Maturity Sum Assured.

• Premium will depend on Maturity Sum Assured & Age of Life Assured

Eligibility Conditions and Restrictions:
I. Minimum Entry Age : 6 years (completed)
II. Maximum Entry Age : 50 years (nearer birthday)
III. Mode of premium payment : Single premium
IV. Minimum Maturity Sum Assure : Rs.75,000/-
V. Maximum Maturity Sum Assured : No Limit
VI. Policy Term : 12 years

Higher Maturity Sum Assured than 75,000/ shall be in multiple of Rs. 10000/-.

Age at entry for the Life Assured is to be taken as age nearer birthday except for the minimum age at entry i.e. 6 years, where it is in completed years.

Date of commencement of risk: In case the age at entry of the Life assured is less than 8 years nearer birthday, the risk under this plan will commence from one day before the policy anniversary coinciding with or immediately following the age of 8 years (nearer birthday).

For those aged 8 years (nearer birthday) or more, risk will commence immediately.

Death benefit:
On death during first five policy years: Before the date of commencement of risk: Refund of single premium excluding service tax and extra premium, if any, without interest.

After the date of commencement of risk:
Basic Sum assured i.e. 10 times the tabular single premium shall be payable.

On death after completion of five policy years but before the stipulated Date of Maturity:
Basic Sum assured i.e. 10 times the tabular single premium along with Loyalty Addition, if any, shall be payable.
Maturity Benefit:
On maturity, the Maturity Sum Assured along with Loyalty Addition, if any, shall be payable.

• Loan Facility available after 3 months of the policy issuance.

• Surrender Value
The policy can be surrendered at any time during the policy term .
Guaranteed Surrender Value:
The Guaranteed Surrender Value shall be as under:
First year: 70% of the Single premium paid excluding extra premium and taxes, if any.
Thereafter: 90% of the Single premium paid excluding extra premiums paid and taxes, if any.
Special Surrender Value: SSV is payable if it is higher than GSV

• No foreclosure action even if there is default in payment of loan interest

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