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Are you looking for a reliable savings and life insurance plan that offers both protection and growth? Look no further than LIC Dhan Rekha! As the best LIC agent in Kolkata, I’m excited to introduce you to this fantastic policy that can help secure your family’s future. Let’s dive into the details of this plan and see how it can benefit you.
Table of Contents
Key Takeaways
- LIC Dhan Rekha offers a perfect blend of protection and savings
- Enjoy guaranteed additions of up to ₹60 per ₹1000 Basic Sum Assured
- Choose from flexible policy terms and premium payment options
- Receive regular survival benefits and a lump sum maturity benefit
- Avail tax benefits on premiums paid and benefits received
- As the best LIC agent in Kolkata, I’m here to help you secure your financial future with LIC Dhan Rekha
What is LIC Dhan Rekha?
LIC Dhan Rekha (Plan No. 863, UIN: 512N343V01) is a non-linked, non-participating, individual savings life insurance plan. It’s designed to provide financial support to your family in case of unfortunate events while also helping you build a substantial corpus for your future goals.
Key Features of LIC Dhan Rekha
- Guaranteed Additions: Enjoy up to ₹60 per ₹1000 Basic Sum Assured
- Flexible Policy Terms: Choose from 20, 30, or 40 years
- Premium Payment Options: Single premium or limited premium payment terms
- Survival Benefits: Receive periodic payouts during the policy term
- Maturity Benefit: Get a lump sum amount at the end of the policy term
- Loan Facility: Access funds through policy loans when needed
Why Choose LIC Dhan Rekha?
- Financial Security: LIC Dhan Rekha provides a safety net for your loved ones in case of your untimely demise. The death benefit ensures that your family remains financially stable even in your absence.
- Guaranteed Returns: With guaranteed additions accruing from the 6th policy year onwards, you can be assured of steady growth in your investment.
- Flexibility: Choose a policy term and premium payment option that suits your financial planning needs.
- Liquidity: Regular survival benefits and the loan facility offer liquidity when you need it most.
- Tax Benefits: Enjoy tax benefits on premiums paid and benefits received under prevailing tax laws.
How LIC Dhan Rekha Works
Let’s break down the working of LIC Dhan Rekha with an example:
Imagine you’re a 30-year-old male opting for a policy term of 30 years with a Basic Sum Assured of ₹10,00,000 and an annual premium of ₹73,342 (excluding taxes).
Here’s how your benefits would look:
| Policy Year | Survival Benefit | Guaranteed Additions | Death Benefit |
|---|---|---|---|
| 15 | ₹1,50,000 | ₹5,00,000 | ₹17,50,000 |
| 20 | ₹1,50,000 | ₹7,50,000 | ₹20,00,000 |
| 25 | ₹1,50,000 | ₹10,25,000 | ₹22,75,000 |
| 30 (Maturity) | – | ₹13,00,000 | ₹25,50,000 |
At maturity, you would receive:
- Basic Sum Assured: ₹10,00,000
- Accrued Guaranteed Additions: ₹13,00,000
- Total Maturity Benefit: ₹23,00,000
Who Should Consider LIC Dhan Rekha?
LIC Dhan Rekha is an excellent choice for:
- Young professionals looking to secure their family’s future
- Parents planning for their children’s education or marriage
- Individuals seeking a balanced mix of protection and savings
- Those who prefer guaranteed returns over market-linked products
How to Get Started with LIC Dhan Rekha
As the best LIC agent in Kolkata, I’m here to guide you through the process of purchasing LIC Dhan Rekha. Here’s what you need to do:
- Reach out: Call me directly at 7980031260 to discuss your financial goals and requirements.
- Customize your plan: We’ll work together to determine the ideal sum assured, policy term, and premium payment option for you.
- Document submission: Provide the necessary documents for policy issuance.
- Policy activation: Once approved, your policy will be activated, and you’ll start enjoying the benefits of LIC Dhan Rekha.
Remember, as your trusted LIC agent in Kolkata, I’m always here to answer your questions and provide ongoing support throughout the life of your policy.
Don’t let this opportunity to secure your family’s future slip away. Contact me, your trusted LIC agent in Kolkata, at 7980031260 to get started with LIC Dhan Rekha today.
Frequently Asked Questions
Can I surrender my LIC Dhan Rekha policy?
Yes, you can surrender your policy after completing two full years’ premiums (for limited premium payment) or after three months from the date of issuance (for single premium payment). However, it’s advisable to continue the policy for the full term to maximize benefits.
Is there a grace period for premium payment?
Yes, LIC offers a grace period of 30 days for yearly, half-yearly, or quarterly premium payments, and 15 days for monthly premiums.
Can I take a loan against my LIC Dhan Rekha policy?
Yes, you can avail a loan against your policy after it acquires a surrender value. The maximum loan amount depends on the surrender value of your policy.
Are there any tax benefits with LIC Dhan Rekha?
Yes, premiums paid for LIC Dhan Rekha are eligible for tax deduction under Section 80C of the Income Tax Act, 1961. The maturity and death benefits are also tax-free under Section 10(10D), subject to prevailing tax laws.
Can I add riders to my LIC Dhan Rekha policy?
Yes, you can enhance your coverage by adding riders such as Accidental Death and Disability Benefit Rider, Critical Illness Rider, or Term Assurance Rider, depending on your needs and eligibility.
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