LIC Kanyadan Policy: If you want to improve the future of your daughter, then if you invest in this scheme of LIC, then you can get good returns and will also be able to marry your daughter well. You can make your daughter's future better. For this, Life Insurance Corporation of India ( LIC ) brings many such policies for the people, which not only give better returns , but also give the option of safe investment. If you are the father of a daughter, then LIC's Kanyadan policy is best for you. Under this policy any father can invest for better education and marriage of his daughter.
According to LIC's Chief Advisor Deepti Bhargava, this policy is a customized version of LIC's Jeevan Lakshya Scheme, which is also known as Kanyadan Policy. Under this policy, if the daughter pays a monthly premium of Rs 3600 to the father for 22 years, then after 25 years an amount of Rs 26 lakh is given instead.
Although it is not necessary that you have to take a monthly premium of Rs 3600 for this policy, if you cannot save this much amount every month, then you can also take a plan with a lower premium than this. On the other hand, if you want, you can also buy a higher premium. According to your premium, its benefit will be given after the maturity of the policy.
Loan facility is also available on the policy
If we talk about the maturity benefit of this policy, then the policy holder will get the benefit of simple revisionary bonus along with the sum assured. Apart from this, the benefit of additional bonus is also available. Apart from this, the benefit of loan is also available after three years of purchasing the policy. Deduction is available under 80C on depositing the premium and maturity amount is tax free under section 10D. The limit of Sum Assured for the policy starts from a minimum of Rs.1 lakh and there is no maximum limit.
Policy term is 13-25 years
The policy term of this scheme is 13-25 years. The account holder of the policy is the father of the daughter. The minimum age of the girl's father is 18 years and maximum 50 years to take the policy. And the maximum age of maturity is 65 years. If your daughter's age is between 1 year to 10 years, then you can invest in this policy to secure your daughter's future. For this, you can pay the premium monthly, quarterly, half-yearly and annually.
You get so much money on death
If the father dies after some time of taking this policy, then his family does not need to pay this policy. In this case, the premium is waived off and the policy continues to run free of cost. At the time of maturity, the entire amount is given to the nominee. Also, the daughter gets 10% of the Sum Assured every year during the remaining years of the policy. If the death of the beneficiary is due to an accident, then Rs 10 lakh is given to the family and if it is a natural death, then Rs 5 lakh is given.
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