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New Jeevan Nidhi - 818
LIC’s New Jeevan Nidhi Plan is a conventional with profits pension plan with a combination of protection and saving features. This plan provides for death cover during the deferment period and offers annuity on survival to the date of vesting.

Plan Number: 818
Plan name: New Jeevan Nidhi
Minimum Eligible Age: 20
Maximum Eligible Age: 58 (Nearest Birthday)

  Minimum Maximum
Basic Sum Assured (in Rs.) 1,00,000 No Limit
Deferment Period (in years) 7 35
Premium Payment Mode Yly, Hly, Qly, Monthly (ECS or salary deduction)
Entry Age (in years) 20 58
Age at Vesting (in years) 55 65

Death Benefit**
Before first 5 years : BSA + GA @ 50 per thousand BSA which is Payable as Lump sum / Annuity OR Partly Lump sum & Balance as annuity Death Benefit After first 5 years: BSA plus GA for 5 Years @ 50 per thousand BSA plus Bonus accrued from 6th year of policy plus Final additional Bonus if any. (Payable Lump sum / Annuity OR Partly Lump sum & Balance as annuity)
** Total death benefit at any time shall not be less than 105% of total premiums Paid.
Benefits on Vesting** BSA plus GA for 5 Years @ 50 per thousand BSA plus Bonus accrued from 6th year of policy plus Final additional Bonus if any.
** Proceeds are Payable in two choices
* Purchase an immediate annuity. From LIC of India only.
* After commuting to the extent allowed under IT act. / Without commuting
* Purchase a new single premium deferred pension product from LIC of India
Without commuting
** Provided the amount required is sufficient to purchase a minimum amount of annuity .If not it will be paid out in a lump sum

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