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LIC's New Janaraksha Policy
Features
•LIC's Jana Raksha Provides full LIC life insurance cover for 3 years even when the
premiums are not paid. (This benefit is available after at least 2 years premiums
are paid).
• Non-medical General allowed up to Rs.25,000/- with declaration of age up to 40
without any extra premium.
• Non-medical Special is allowed up to a limit of Rs.50,000/-
• Accident benefit available without payment of any extra premium.
Special Features
The non-medical limit is exclusive to this policy. Double Accident benefit
and Bonus is also granted. A special feature of the New Jana Raksha Policy is that
it continues to provide full life insurance cover to the assured for three years,
even when the premium payments are stopped due to certain reasons, provided that
at least 2 years premiums have been received.
Benefits
Survival Benefits: Payment of Sum Assured plus accrued bonus.
Death Benefits
Natural Death : Payment of Sum Assured plus accrued
bonus.
Accident I Permanent Disability
: Payment of double the Sum Assured plus accrued bonuses
on the Sum Assured as defined on the policy document.
Income-tax rebate: Under Section 88 of the IT on premiums paid.
100% income-tax free: Permanent disability, Maturity and Death
Claims.
Suitable for:
Ideal for farmers and workers, since farmers have to depend on the vagaries
of the climate while workers are subject to changes in trade cycles, depressions,
strikes, labour disputes, etc
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