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Samay Samachar Digital Desk, नई दिल्ली : LIC Plan : हाल ही में भारतीय जीवन बीमा निगम ने नई पेंशन योजना शुरू की है इस योजना में पॉलिसी धारक एक बार प्रीमियम में भुगतान करके जीवन भर हर महीने पेंशन पा सकता है चलिए जानते हैं खबर को विस्तार से..
भारतीय जीवन बीमा निगम (LIC) एक नई पेंशन योजना, सरल पेंशन (Saral Pension) लेकर आया है. इसमें पॉलिसीधारक एक बार प्रीमियम में भुगतान करके जीवन भर पेंशन पा सकते हैं.
पेंशन पाने के लिए दो विकल्प मौजूद हैं. एक आजीवन पेंशन पाने का और दूसरा अंतिम उत्तरजीवी की मृत्यु पर खरीद मूल्य की 100 प्रतिशत वापसी के साथ संयुक्त जीवन एन्युटी.
पहला विकल्प
पहले विकल्प में, जब तक पॉलिसीधारक जीवित है तब तक एन्युटी भुगतान बकाया राशि में किया जाएगा. व्यक्ति की मृत्यु पर, एन्युटी भुगतान तुरंत बंद कर दिया जाएगा और नामांकित व्यक्ति को 100 प्रतिशत पैसा देय होगा.
दूसरा ऑप्शन
दूसरे विकल्प में, एन्युटी राशि का भुगतान उतने समय के लिए बकाया के रूप में किया जाएगा जैसे कि व्यक्ति या जीवनसाथी जीवित है. संयुक्त जीवन एन्युटी केवल जीवनसाथी के साथ ली जा सकती है.
LIC Plan : पॉलिसी खरीदने के लिए…
पॉलिसी खरीदने के लिए न्यूनतम आयु जहां 40 वर्ष रखी गई है, वहीं अधिकतम आयु 80 वर्ष निर्धारित है.
यह भी पढ़े – यह 10 रुपये का नोट आपके पास हें तो आपको खेलोगे लाखो में, देखिये इसे कहाँ बेचे
सरल पेंशन के तहत,
उपलब्ध एन्युटी में आप भविष्य में मासिक, तिमाही या वार्षिक रूप से भुगतान कर सकते हैं. LIC नेअपने पॉलिसी दस्तावेज में कहा है कि एन्युटी दरों की गारंटी पॉलिसी की शुरुआत में दी जाती है और एन्युटिज पॉलिसीधारक के पूरे जीवनकाल में देय होती हैं.
कैसे मिलेगी 58950 रुपये की पेंशन
एक उदाहरण के अनुसार, यदि 60 वर्ष की आयु का कोई व्यक्ति 10 लाख रुपये का निवेश करता है और वार्षिक एन्युटी मोड का विकल्प चुनता है, तो उसे 58,950 रुपये मिलेंगे.
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