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Last year on 01st September 2016, LIC dividend Cheque of 5% profit surplus amounting to Rs 25017570849/- being handed over to Finance Minister Shri Arun Jaitley. LIC of India is the only Life Insurance Company in India whose Traditional policies are Guaranteed by the Government of India 🇮🇳.
Fundamental of Financial planning: 1. 30 % of your income must be used for monthly living expenses. 2. 30% of your income must be used for Liabilities repayments 3. 30% of your income must be SAVED for your future LIVING. 4. 10% of your income must be spared for entertainments, vacations……….. 5. 6 moth monthly income must be available for emergency fund { LIQUID FUND }, it can be CASH or cashable investments 6. Must save one year Bank RD 7. Must save 5 years postal RD 8. Must have 15 years PPF [ after you can extend for number of 5 years durations ] 9. MF and Shares must be invested with surplus money only with regular watch. [ must redeem the profits out after minimum 40 to 50% ] 10. Home loan must be registered and apply on both husband and wife name. { Both can get benefits on Home loan Tax benefits } 11. FD and POMIS is also very good investments for short term 12. Buying second house for investment is not advisable [ Survey reports - it will fetch you only around 3% return] 13. After age 45 years not supposed to enter into any BIG LIABILITIES [ Higher education of children and wedding of children will happen around 45 to 50 only ] 14. Joint account is compulsory @ Bank savings account. 15. Property must be registered on both Husband and wife name. [ As per legal act – after husband first legal heir is wife, after wife it will go to children only ] 16. Regular check on Nominations at all financial instruments 17. Only in insurance policy, Claims payable to Nominee. In other financial instruments legal heirs certificate is must to get back the settlement 18. 2 moths salary must be parked on LIFE INSURANCE POLICY [ it’s a universal thumb rule on insurance ] 19. Don’t take any financial investment decisions by EMOTIONALLY 20. MEDICLAIM is must [ in spite of Group mediclaim coverage given at office [ After retirement there is no mediclaim coverage. After 50 years its very tough to enter into mediclaim ] 21. For your jewellery LOCKER, Only one lakh is payable by bank, if theft or fire happen at bank. Provided insurance done. 22. Like same way Government guaranteed only one lakh for your FD also. [ Fixed deposits with Banks upto Rs. 1 lakh only are backed by deposit insurance ] 23. Must know all tax implications. You cannot avoid paying tax. But you can minimise by way of investments. 24. All financial documents must be kept safely. 25. Financial investments must be fallowed through personal financial advisor. 26. Review your financial port folio by every year.
Invest in LIC of India and get guaranteed & Tax Free Returns.
Plan :Pradhan Mantri Vaya Vandana Yojana(842) Product Summary : "Pradhan Mantri Vaya Vandana Yojana" (Plan No. 842) is a Government subsidized Scheme which shall provide an assured return of 8% p.a.payable monthly (i.e. equivalent to 8.30% p.a.) on the pensioner surviving during the policy term of 10 years for citizens aged 60 years and above. Premium Payment Mode: Single Premium Mode of Pension payment: • The modes of pension payment are monthly, quarterly, half-yearly & yearly. The pension payment shall be through NEFT OR Aadhaar Enabled Payment System only. Pension Rate : • Yearly : 8.30 • Halfly : 8.13 • Quarterly : 8.05 • Monthly : 8.00 Minimum Entry Age : 60 Year Completed Maximum Entry Age : No Limit Minimum Sum Assured : • Yearly : 1, 44, 578 • Halfly : 1, 47, 601 • Quarterly : 1, 49, 068 • Monthly : 1, 50, 000 Maximum Sum Assured : • Yearly : 7, 22, 892 • Halfly : 7, 38, 007 • Quarterly : 7, 45, 342 • Monthly : 7, 50, 000 Min-Max Pension Limit : • Minimum Pension: Rs. 1, 000/- per Month Rs. 3, 000/- per Quarter Rs. 6, 000/- per Half-year Rs. 12, 000/- per Year • Maximum Pension: Rs. 5, 000/- per Month Rs. 15, 000/- per Quarter Rs. 30, 000/- per Half-year Rs. 60, 000/- per Year Policy Benefits : On Death : On death, the full purchase price will be refunded to nominee. Surrendered Value : Surrender would be allowed in special circumstances like critical / terminal illness of self or spouse. The Surrender Value payable in such cases shall be 98% of Purchase Price. Loan : Loan (up to 75% of subscribed amount) can be availed after 3 years from the Date of Commencement.
preview *GOOD NEWS* LIC pays 40% more Bonus, Dividend. With higher profits from its huge Investments portfolio. Life Insurance Corporation has decided to pay 40% higher bonuses and dividends to the Government and its Customers, respectively in Financial Year 2016-2017.
Get Guaranteed Pension from LIC Retirement Plan. Get 4, 80, 000 every year for Lifetime with Family 👪 fund of Rs 4 Crores. Pay 15, 500/- monthly for 30 years. For details please contact me; AHMED Financial Solutions LIC Agent, CB-13, Mehdipatnam Branch, Hyderabad, Mobile : 9966217344 Email : ahmeduddin1979@gmail.com
If you can spend money to insure your home and car, why not spend some money to guarantee your Child's education with LIC.... For details about best Child Plans and best Educational plans please give me a call 📞, Ahmed Financial Solutions, LIC Agent, Mobile :9966217344, Email : ahmeduddin1979@gmail.com
Benefits of "LIFE INSURANCE"; Life insurance offers you following benefits - * PROTECTION * SAVINGS * WEALTH CREATION *TAX SAVING *LOAN OPTION ADVANTAGES OF LIFE INSURANCE *LIFE COVER or PROTECTION: This is the most important and primary benefit of Life insurance policy. The Life Cover is the amount that your insurance company pays to your nominee in case of an unfortunate event during the Policy Term. The amount ensures that your Loved ones future is secure, even in your absence. *SAVINGS: Take for instance insurance savings plans that can not only take care of your family, but also provide you you the much needed flexibility to withdraw money from your policy in order to support major or minor events of your life without you having to surrender your policy. *WEALTH CREATION : We all have dreams and want to achieve key milestones of our lives like building our home, funding education of our children, providing the best lifestyle to our families and many more. In order to achieve these dreams, one should have a financial goal in mind and work towards achieving it. LIC Plans strive to give a guaranteed return on maturity that is tax-free and the financial security of a life cover. An Endowment policy is a life insurance contract designed to pay a lump sum after a specific time (on its maturity) or on death. * TAX SAVING: Life insurance policies can be useful tax planning tool, because the policy holder is eligible for tax benefits under Income tax act 1961. 80C ~ Deduction is available amounting to Rs. 1, 50, 000/-. The deduction would be available for life insurance premium paid. 10 (10D) ~ Any sum received under a life insurance policy, including the allocated by the way of bonus on such policy will be exempted from tax. * LOAN OPTION Many of our plans are of Endowment type and you would be allowed to raise a loan against your policy should you require funds. You repay loan with interest or continue paying the interest and allow the loan to be deducted at the time of the claim payment. Most financial institutions too allow loans against LIC Policy based on the value LIC quotes on request from you. For assistance contact me, . Ahmed Financial Solutions, LIC Agent, Mobile : 9966217344, Email : ahmeduddin1979@gmail.com
LIC INDIA's 🇮🇳 MOST TRUSTED INSURANCE COMPANY LIC GOING STRONG 💪 Among India's 🇮🇳 life insurance, LIC position remains unassailable, as the government owned insurer enjoys a 70% market share. AHMED FINANCIAL SOLUTIONS.. LIC AGENT MOBILE : 9966217344 EMAIL : ahmeduddin1979@gmail.com
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