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LIC Single Premium Plan V/S Fixed Deposit
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- เผยแพร่เมื่อ 17 มิ.ย. 2019
- LIC'S Single Premium Endowment Plan ( table no.817) :
LIC's Single Premium Endowment Plan is a participating non-linked saving cum protection plan, where the premium is paid in a lump sum at the outset of the policy. This combination provides financial protection against death during the policy term with the provision of payment of lump sum at the end of the selected policy term in case of his/her survival. This plan also takes care of liquidity needs through its loan facility.
Features:
1. Sum Assured - this is the amount of coverage that you want. You have to choose a minimum of Rs. 50,000. There is no upper limit.
2. Policy Term - this is the period for which you wish to have the cover. You can choose a policy term between 10 to 25 years.
3. In case of death of the policyholder at any time during the policy term, the nominee will receive the sum of the following:
Sum Assured
Simple Reversionary Bonus which has been declared will date
Final Addition Bonus if declared in that year
4. In case the policyholder is less than 8 years of age, the death coverage will start either 2 years from the date of commencement or from the policy anniversary coinciding with or immediately following the attainment of 8 years of age, whichever is earlier. For those aged 8 years or more at the time of taking the policy, death cover will start immediately. In case of death of the policyholder, before the death coverage has started, the single premium minus the taxes would be paid to the nominee.
Fixed Deposit Video link:
• National Saving Certif...
#lic
#fixeddeposit
#licsinglepremiumplan
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Mind blowing comparison.......EK TARAF KUAA AUR EK TARAF KHAAI - AUR HAME YE CHOOSE KARNA HAI KE ZYADA ACCHA KAUN SA HAI......I THANK YOU FROM THE BOTTOM OF MY HEART.
Bahot hi sundar covence
Very informative video. Though you missed one point which was important. Death benefit under 917 plan is tax free under sec 10(10d) of IT Act. This is a very important point while choosing the right option.
Yes, when you have to pay tax after you die.
Very nice information in very simple best Hindi language🌹🌹👋
Very useful and informative explanation.Thank you Sir.🙏
Your information is too good. Thanks vai God Bless You.
So nice explanation, very useful and inspiring video 👌👍
I thk post office kisan vikas patra is better..bcoz in 120 months i get the double amount..may be i wl not get insurance...but in my absence my nominee wl get the benefit.
Great explanation on both schemes.
If 5 lakhs invested in LIC 817, for 20 years, what will be the end returns and what will the tax component be on the same ?
I have better plan as compared to this lic - call- 6261753552 to know the free investment plan
Very good explanation thanks alot best of luck
R u Telugu ?
Very nice.. vedio..Rajnish.your Hindi is so good.. very easy to understand..
Video started after 2.30 minutes......
Thanks
2:59 mint ke baad start kre ye video
815 ka batai a
Very encouraging And wider for agents Thanks.
Your effort is very sincere thanks
Your efforts are very sincere thanks.
Wasted your time in making this video. At the end you should have made a table showing comparison on the final returns of FD and final return of LIC policy. It will be more easy for the people to understand. Make video short and sweet.
No one has time to see the whole video and at the end there is no final good conclusion.
Very nice 👍👍👍👍👍👍👍👍👍👍
917 is better any day. Yes like he said you should have a crystal clear mindset before you choose. If you wish to withdraw money anytime you want then do FD( which is also for max 10 years only) but if you want to invest and earn in the long term with the benefit of life insurance throughout the policy term then go for 917.
A
Thanks sir
No guarantee because of Bonus rates are fluctuating, but in FD returns are guaranteed.
Both options FD & LIC will eat value of money in the due course of time... Because we get 6-6.5% of return and inflation is also same. So practically your money will not grow ... Don't save , invest your money...
You can not put all your money in an instrument where there is no guarantee of principal amount let alone interest. One should have a diversified portfolio.
There is a issue of inflation but it is true that in insurance life security is prevailed.
Very nice and clearly explained. Sincere effort.
Thanks aapne bahut achha sujhaw diya
U are amazing thanku so much dear
Most welcome 😊
Would suggest to show stats, figures, comparisons with help of graphics otherwise it tends to get too boring
Bahut badiya chote bhai
Post office is best and secure..
पोस्ट ऑफिस से बढ़िया रिटर्न कही भी नहीं है। एलआईसी का रिटर्न्स अगर आप calculate karenge to पाएंगे कि 6 प्रतिशत से अधिक नहीं दे रहा है जबकि पोस्ट ऑफिस आपको कम से कम 7.6 प्रतिशत का रिटर्न्स देता है। लाइफ इंश्योरेंस के नाम पर एलआईसी धोखा है
आपके पास 5 लाख रुपए हो तो हमको ब्याज पे देदो ।
Aur app principle amount bhi mat dena ,
Bhosdike beyinman nikla tho tu
किसी individual personal को ब्याज पर पैसा देना secured plan नहीं है
Thank You and very nice information
PPF + term plan insurance at early age Best combination. For 30 years if you go for term plan, your independent will secure. For PPF of 30 years your retirement age is secured.
बकवास है,,पीपीएफ नो लिक्वडिटी,,
@@pritamsingh8531 PPF is good compound interest.
5
Bhai mehnat ki kamaei ko shar market mein acchi sector mei sip tyep lagao..
@@avdhootnisal7674 SIP m kya kma liya aapne btaiye to
Please be Quick. Thanks.
Nice explanation
LIC Jeevan Shanti Immediate Annuity is Better or Deffered Annuity ?? And Why ?
Nice Video presentation Rajneesh. For a 57 years old individual please suggest best investment with monthly return. Thanks.
Sir better to go with Senior citizen scheme and PMVVY.. for regular income
For age 57 senior citizens facilities will not available. You should cross 60 years.
Thank you sir very good video and nice
Now lic the worst - only 5-6 % return in lic for 15-20-25 years
you are 100% right
@@1414tv HDFC sanchay kesa rhega
Lic is God for small income people.they give protection to families of deceased.in India Evey town and railways roads are with the funds of lic.dont blame these Swadeshi organisation Swadeshi bachavo.invest in lic
Lic में निवेश करे ताकी शुरशित रहे
LIC is shrinking ship, don't waste your money.
thanks
I think it's called split in share face value and not bonus shares
For insurance TERM plan will be better and investment SIP .
Don't go with single premium policy. At the time of maturity, your full amount will be taxable.
Check section 10(10)(d) of income tax
Now days there is no return more than this enrollment plan
It's a good plan with govt sobering garantee
Bro
These schemes are stupid.
You should rather go with invest in etfs or with ppf
Very informative
Good
Nice effort ..but dear one more thing want to say u.. Financial planning is big planning which plan ir investment is needed to whom its only should decide one persons total financial portfolio analysis... U r talking 15 to 20 lakh insurance if anyone took then they need this plan, accutually what u want to mean? On which basis u advise this? Its totally depends on their liability or responsibility or future needs. Chapter is very vast so cant be discuss in short. So pls dont missguide others. Already now a days for this type insufficient or half info lots of new generation person not doing any investment in Addiquatly & properly & doing lots of wrong infirmation n cheated more. So first experiance properly & then come to give advise it will be better fir your Future too. God bless
You have done well to provide a comparison between the two.
Thanks
Example before 1 year gold rate is 35 to 40 thousend per 10 gm.in time 55thousend.loss / benefit
Agents are only interested to create new policy but could not solve our problems in OLD policy . This is very very pathetic.
Sir m 10 year k leye 1lac post office fd m lagau to 10 saal baad mujhe kitna amount milega
2 lakh
Am an agent contact 7058927297
Super sir ji
Never keep your money in lic
There are many other ways to keep your savings, I advise you never take help of lic, agents never tell you the truth
Well said.
Lic is waste.good for uneducated person who have less knowledge of other investment
@@rd6521 other investment like what? Tell us if u have knowledge.
@@rd6521 to aap bata do kaha investment karna chaheya ....stock market aur mutual funds ki option ko chor kar
I think it's better for the Pearson who don't know how to save money and spend a lot like me 😂
Thank you so much sir
पोस्ट एफ डी 5 साल, या पी पी एफ, किसान विकास ।और मेडिक्लेम फैमिली का अवशय हैं।
Conclusion. If you want to long term then LIC is best and short term then go for fixed deposit.
Whole benefit company in present time.and customer will be loss
Lic se dur rahe, bus khushiya hi khushiya
Absolutely correct.
पक्का आपका एजेंट चुतया होगा , चुतया से इंवेसमेंट करवाओगे तो चुतया ही कटेगा।
20 year after 1000000 value down in market
Very nicely explained
Thank u so much sir
Thanku beta
Starting ka 2.45 mint vest kr diya
Lic is central government organization .it is reliable .and profitable institute of india government
Very well explained
Thank u
Wadra ji ko de do property mein invest karne ke liye, thode samy me hi bhut hi jabardast returne aa jayega.
Lic single premium is best
Policy is single premium policy
But I have to pay premium for 10 years
It's all talking. Pls include comparison table, Graphs and other presentation to make it more impactful
Time waste
You want my bank account.
Best place to keep money safe.
Verg good information
I am 69 yrs old & professional want to sail some of my agriculture land, it will come under capital gains if so how it will manage or what will be tax amount
Only mutual funds Balance advantage funds no risk
Nice advice are you right
Dear, I think that u should invest in FDR. Fill 15 G, Ur tax will not be deducted. Ur money will be safe. Namestay G
Good information thanks
Sir ji good information
माझं वय71 वर्ष पूर्ण झाले आहे. मला Lic चि कोणता प्लाण घेता येईल का. क्रुपया कळविने.
जीवन शांती आणि जीवन अक्षय
Good information getting
Sir agar m online net banking se 6 lakh ki FD karta hu 6 months to 1 year toa kya mujhe TDS bachane ke liye kya karna hoga taki mere intrest ka koyi deduction na ho, mujhe kya karna hoga
Thanks bro 🙏🏻
Good information
Very nice 👍👍👍👍👍👍👍👍👍👍
Awesome
After 20 year 2000000 ka value 200000 hoga you think back 20 year
MATURITY OF LIC SINGLE PREMIUM PLAN IS TAXABLE - MATURITY AMOUNT IS TAXABLE HENCE THIS PLAN IS NEVER EVER ACCEPTABLE COMPARE TO TAX BENIFIT FD
But what will be the value of sum assured after 20 years. Also tell about this gray area, at least tentative.
In time money use in business.then after 20 year value down
start from 2:45
How many zeros in five lakhs pl?we will have to ask ruling party who runied the economy.
App shi rai DE rhe Hai.
Lala reoccurring A/C where can we open non taxable 5 L pai tax nahi lagaigaa, 5 L kai baad tax how to save dak Khanna for first 2 yes. Sr. Citizen Chacha secure dak Khanna mai koi 80c to hai nahi secure chezain bataoo jismai Raat ko china na ho. P.Office bhi hein bank bhi hai, lic etc. 2 saal baad 55k pension Mahhinai ki cha hiyai difference between non taxable highways, electrification bonds, bonds50L, Maximum shelter needed to save capital gain tax, LifeIns policy after 3 years, how much is premium for different plan pai . Where do you find taxable & non FD kon baichta hai kindly give me your#, has no locking period kindly tell me where, let's say how can I open account where Can I open non taxable plans, who offers it. All this planning for next year or when I am ready, Tech me max tax savings Shelters, marsi ko deep knowledge needed mera kaam CA karai Aap ki Rai rang laa Saktai hai.
Sir please make a video on Indiafast life insurance company. And suggest me that it is safe and secure
Dear Sir, If u want to invest this money, u should invest it in PPF account.This is the best for u. U can get more interest than FDR.
Apne bare me bahot batate ho
Lic में फिक्स डिपॉजिट कर सकते हे 5 लाख का
Mere bachha ki age 1 year hai..i want to invest 50000 in one time???25 year .what will be benifit
Premium 51000, terms 25 year, maturity 258000, insurance 110000
Sum assured 110000
Single premium 51067
Return 25year 286550
Sir ji accurate perimium h
Package 833+845 bacche ke Papa aur bacche aur family ke liye. total Tax Free guaranteed Life time.
Meri ek real estate company h jo all india me (land plotting) ka work kr rhi h,yadi ap mere company se judaker 0 investment pe kam krna chahte h to samlerk kre, ap pane estate sahar jila se suru kr sakte h,plan B~ meri company 36% interest yearly deti h,ap chahe to apna paisa invest kr sakte,(jitana paisa ap invest krenge utane paise ka apko plot ragisrty krke diya jayega garanti ke taur pe) ya fir ap mere company ke satn business partener banker crodo kameye....whtsp 9112527212 varanasi (up)
My grand daughter is of 16+years.Should I go for llC single premiu. Policy.My age is84
Years.I want to i vest for her.
तेरे पास 500000 लाख है तो कही मत investment कर मूझे देदो आगले साल वादा करता हू 250000 रुपये रिटन करगा और बाकीके पैसे कभी नही दूगा मागना मत 😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣
Sir tax kitna deduct ho jayega isske isske bare main thodi detail dejiyr
Bahot badiya vishleshan hain.