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Endowment Plus Policy

LIC’S ENDOWMENT PLUS (Plan No. 802):

LIC’s Endowment Plus (Table No.802) is a unit linked Endowment plan which offers investment-cum-insurance during the term of the policy.You can choose the level of cover within the limits, which will depend on mode and amount of premium you want to pay.LIC Endowment Plus plan features at glance:

  • Critical Illness Benefit
  • Accident Benefit
  • Partial withdrawals
  • Loan on policy

BENEFITS:

a) Benefits payable on death:
In case of death of the policyholder when the cover is in full force, the nominee shall be
eligible to get higher of Sum Assured under the Basic Plan and the Policyholder’s Fund Value
as at the date of booking the liability. The liability shall be booked after receipt of intimation
along with death certificate.

b) Benefits payable on maturity:
On maturity the policy holder will receive an amount equal to the his Fund Value.
Accident Benefit Rider Option:
Accident Benefit (AB) can be availed of as an optional Rider benefit by paying an additional premium of Rs.0.50 for every Rs.1,000/-
The Policyholder will have the option to choose any 1 of the below 4 Funds:

  • Bond Fund, 2. Secured Fund, 3. Balanced Fund, 4. Growth Fund

MODES OF PREMIUM PAYMENT:

Regular premium can be paid either in yearly, half yearly, quarterly or monthly (ECS) installments.Min. premium Rs. 20,000/- yearly or Rs.1750 per month by ECS mode.
Single Premium is also allowed under LIC Endowment Plus plan. Minimum onetime Investment Rs.30,000/-

Eligibility and other conditions for LIC Endowment plus Table No. 802:

For Basic Plan

a) Minimum Basic Sum Assured:
Regular Premium policies: (Policy Term +1) times the annualised premium
Single Premium:
For age at entry below 45 years: 1.25 times the single premium
For age at entry 45 years and above: 1.10 times the single premium

b) Maximum Basic Sum Assured:
Regular Premium policies:
30 times the annualized premium, if age at entry is upto 45 years
25 times the annualized premium, if age at entry is 46 to 60 years
Single Premium Policies:
If Critical Illness Benefit Rider is not opted for:
5 times the Single premium, if age at maturity is upto 65 years.
3 times the Single premium, if age at maturity is 66 to 70 years.
If Critical Illness Benefit Rider is opted for:
5 times the Single premium, if age at maturity is upto 55 years.
3 times the Single premium, if age at maturity is 56 to 60 years.

c) Minimum Premium:
Regular premium (other than monthly (ECS) mode): Rs. 20,000 yearly
Regular premium (for monthly (ECS) mode): Rs. 1,750 p.m.
Single premium: Rs. 30,000

d) Maximum Premium:
Regular premium: Rs. 1,00,000 p.a.
Single premium: No Limit
Annualized Premiums and single premium shall be payable in multiple of Rs. 1,000 for
other than ECS monthly. For monthly (ECS), the premium shall be in multiples of Rs. 250/-
e) Minimum Entry Age: 7 years last birthday
f) Maximum Entry Age: 60 years nearest birthday
g) Policy Term : 10 to 20 years
h) Minimum Maturity Age: 18 years completed
i) Maximum Maturity Age: 70 years nearest birthday
Age at entry for the policyholder is to be taken as age nearest birthday except for the
minimum age at entry i.e. 7 years.

Fund Switching: Within a given policy year, 4 switches will be allowed free of charge.Top-up Premium: Not allowed.

Partial withdrawals: A policyholder can partially withdraw the units at any time after the fifth policy anniversary and provided all due premiums till date of partial withdrawal have been paid.

LOANS:
Loan will be available under this plan subject to the following conditions:
• Loan will be granted under the policy after completion of three years and provided all due premiums have been paid.
• Policy Loan will be available to the extent of 30 % of the Policyholder’s Fund value.
• No Partial Withdrawal will be allowed if any loan is outstanding.
• If the Fund Value at any time is less than or equal to the loan outstanding along with interest thereon, the policy will be compulsorily terminated.
The rate of interest charged for this loan amount would be determined from time to time by LIC. Presently the rate of interest is 9 % p.a. payable half-yearly.

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44 Responses to Endowment Plus Policy

  1. Deepak Kumar Meena says:

    Sir,I want to know the status of my policy – 234299221. My mobile nu is 7827852369…also tell me…which type of my policy is ?

  2. AJIT KUMAR MAITY says:

    D/sir,
    I would like to know the status of my LIC Market+1,Table-191
    My policy nos.are
    1)978712391
    2)578712389
    3)578711098
    4)578716401
    Please inform the present status of my policy as per present market rate.
    regards,
    Ajit Kumar Maity

  3. Amarnath Sarkar says:

    please status of the ulip policy number 485243872, 485243873

  4. Muruganandham R says:

    please status of the ulip policy number 756 421 573

  5. Ashwini says:

    My. Policy no.is 925433216
    I want to know that present amount

  6. SHAKUNTALA says:

    MY POLICY NO 665118934 PLAN 801 08 WEALTH PLUS WHAT NAV RATE ON 25/02/2014

  7. pratibha singh says:

    show me detail ofmy policy policy no 266353439

  8. Atul Choudhary says:

    Please let me know the detail of my policy no153445998

  9. AVID .D'SOUZA says:

    sir,
    my policy no.923648244 plan 181-market plus what NAV rate on 08-01-2014

  10. NEERAJ OBEROI says:

    POLICY NO. 115447726

    PLEASE SEND THE CURRENT STATUS OF THE ABOVE POLICY.

    WITH REGARDS,

    (NEERAJ OBEROI)
    MOBILE NO: 9650520455

  11. m.janarthanan says:

    i have Fortune plus policy my policy number 718512170,
    i want to knw that present amount .

  12. vipulkumar parsottambhai patel says:

    i have policy endowment plus so i want to know my unit statment for policy no:-874558774 i started policy on 04/10/2010

  13. Achal sharma says:

    i have endowment plus polcy my policy number is 133346891 iwant to knw that present amount .

  14. Manoranjan Bhunya says:

    My policy no-497619656(money plus).
    I want to know recent value & total amt.

  15. Veerappa K Amin says:

    Growth fund policy No.615577206
    date of commencement: 10.07.2008.

    Would like to know the current status of the policy viz. total No. of units held, cost per unit and the value available for closure.
    Thanks and Regards
    amin

  16. V K Ramnath says:

    Let me know the status and NAV of my Market Plus I policy No. 883774060

  17. jeewan pradhan says:

    please let me know the details of my policy no 455257835

  18. sivanathan.k. says:

    policy no.704294246 Wealth plus

  19. shakeel mehmood shaikh says:

    903992563

  20. Bhavesh B Patel says:

    i want to know how to calculate of nav plan like marketplus moneyplus

  21. ALI says:

    Please let me know the status of policy 194686637

    also what is the meaning of units deducted for chg.??

  22. bikas sah says:

    my policy no 521984987, I want recent vaule and total amt

  23. kripa ram mandavi says:

    policy No. 386846711 this No. this month is money growth & total amt.

  24. kulwinder singh says:

    What are units and status of my ppolicy 163485662

  25. nandkishore pal says:

    i want to know about endowment plan 23

  26. Amlan Lai says:

    There was no any option..where I could find my policy status..!!

    Whatever..please send me the curent details of my 2 policies- 428729605 & 424315771.

  27. Usharani Xalxo says:

    I want to know the status of my policy bearing policy no-593191598

  28. satish chandra says:

    what is the status my policy no.286857212

  29. jasmin subha jose.v says:

    me know my policy status p.n 323437235

  30. avaneendra says:

    please tell me the current value/statement of lic beema plus policy-

  31. Hi there, I found your blog by means of Google whilst searching for a related matter, your site got here up, it appears good. I’ve added to favourites|added to bookmarks.

  32. kausik paul says:

    what is the position my endowment policyno-492609788

  33. santosh thapa says:

    Dear sir,
    my policies no. are…
    1- 272398524
    2- 272398053
    and i want to know its current market value (NAV) of my both are policise.

    • LIC POLICY says:

      272398524 – UNITS – 899 – STATUS IS NORMAL
      272398053 – UNITS – 932 – STATUS IS REDUCED PAID UP – PLEASE CONTACT YOUR BRANCH

      FOR CURRENT NAV VISIT LIC OF INDIA WEBSITE

  34. santosh thapa says:

    Dear sir,
    my policies no. are…
    1- 272398524
    2- 272398053
    i want to know market value of my both are policise OR what is the unit value of my both are policies.

  35. santosh thapa says:

    dear sir,

    i also want to know market value of my both are policise OR what is the unit value of my both are policies.

  36. santosh thapa says:

    i want to know my following policy status :
    1- 272398524
    2- 272398053

  37. kiran motiwaras says:

    I have Ulip plans i want to know the present value and detail unit statement for my policies.

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