1(self.webpackChunk_N_E=self.webpackChunk_N_E||[]).push([[4314],{10044:function(e,s,i){(window.__NEXT_P=window.__NEXT_P||[]).push(["/life-insurance/lic-of-india/lic-jeevan-shiromani-plan",function(){return i(90210)}])},90210:function(e,s,i){"use strict";i.r(s),i.d(s,{__N_SSP:function(){return b},default:function(){return g}});var n=i(85893),r=i(66093),a=i(67294),l=i(41664),t=i.n(l),c=i(39332),d=i(70506),h=i(2261),o=i(99304),x=i(42830);i(25675);var j=i(36816),m=i(51212),u=i(79058),p=i.n(u);let y="https://square-web-new.s3.ap-south-1.amazonaws.com/Webiste/web-react/SquareWebImages/";var f=()=>{(0,c.useRouter)();let[e,s]=(0,a.useState)([]),i=()=>{(0,d.iK)("POST","web-apis",{type:"getBlogsvalue",pageName:"life-insurance"}).then(e=>{e.status&&s(e.data)}).catch(e=>{console.log(e)})},r=()=>{(0,d.iK)("POST","web-apis",{type:"get_companys_logo",tabname:"life"}).then(e=>{if(e.status){let s=e.data;s.length>0&&s.find(e=>(null==e?void 0:e.tabname)==="life")}}).catch(e=>{console.log(e)})};return(0,a.useEffect)(()=>(r(),i(),()=>{}),[]),(0,n.jsx)(n.Fragment,{children:(0,n.jsxs)("section",{className:p().LICLifeInsurancePage,children:[(0,n.jsx)("div",{className:p().LicPlansHeadSection,children:(0,n.jsx)("div",{className:"container",children:(0,n.jsxs)("div",{className:"row",children:[(0,n.jsxs)("div",{className:"col-lg-8 col-md-12 ".concat(p().LicPlansHeadContent),children:[(0,n.jsxs)("small",{children:[(0,n.jsx)("i",{className:"fa-solid fa-shield"}),"Guaranteed Secure"]}),(0,n.jsxs)("h1",{children:["LIC Jeevan Shiromani Plan",(0,n.jsx)("strong",{children:"(Plan No. 947)"})]}),(0,n.jsx)("br",{}),(0,n.jsx)("p",{children:"The LIC Jeevan Shiromani Plan is a life insurance plan from the Life Insurance Corporation of India. In this plan, you pay the premium for a limited time, but you get benefits for a longer period."}),(0,n.jsx)("p",{children:"This plan is mainly made for people who want high insurance coverage. It gives a large sum assured along with extra benefits like guaranteed additions and loyalty additions."}),(0,n.jsx)("p",{children:"It is a good option for long-term savings and financial planning. You can also add extra features (riders) to increase your protection based on your needs. The plan also allows you to take a loan in case you need money in an emergency."})]}),(0,n.jsx)("div",{className:"col-lg-4 col-md-12 ".concat(p().LicPlansHeadImage),children:(0,n.jsxs)("div",{className:p().LicPlansImage,children:[(0,n.jsx)("span",{className:p().LicOfIndiaLogo,children:(0,n.jsx)("img",{loading:"lazy",src:"".concat(y,"lic.svg"),alt:"LIC of India",width:"100",height:"100"})}),(0,n.jsx)("img",{loading:"lazy",src:"".concat(y,"lic-plans-page-image.webp"),alt:"LIC Jeevan Shiromani Plan",width:"400",height:"600"}),(0,n.jsxs)("small",{children:[(0,n.jsx)("abbr",{children:(0,n.jsx)("i",{className:"fa-solid fa-user-shield"})}),(0,n.jsxs)("b",{children:["Plan No. ",(0,n.jsx)("u",{children:"947"})]})]})]})})]})})}),(0,n.jsx)("div",{className:"container",children:(0,n.jsx)("div",{className:"row",children:(0,n.jsxs)("div",{className:"col-md-12",children:[(0,n.jsxs)("div",{className:p().LifeInsurancemaintoppart,children:[(0,n.jsx)("nav",{"aria-label":"breadcrumb",children:(0,n.jsxs)("ol",{className:"breadcrumb",children:[(0,n.jsx)("li",{className:"breadcrumb-item",children:(0,n.jsx)(t(),{href:"/",children:"Home"})}),(0,n.jsx)("li",{className:"breadcrumb-item",children:(0,n.jsx)(t(),{href:"/life-insurance",children:"Life Insurance"})}),(0,n.jsx)("li",{className:"breadcrumb-item",children:(0,n.jsx)(t(),{href:"/life-insurance/lic-of-india/",children:"Lic of India"})}),(0,n.jsx)("li",{className:"breadcrumb-item active","aria-current":"page",children:"LIC Jeevan Shiromani Plan (Plan No. 947)"})]})}),(0,n.jsx)("p",{children:"\xa0"}),(0,n.jsxs)("div",{className:p().LifeInstableresponsivehead,children:[(0,n.jsx)("h2",{children:"Eligibility Criteria of LIC Jeevan Shiromani Plan"}),(0,n.jsx)("div",{className:"table-responsive ".concat(p().LifeInstableresponsive),children:(0,n.jsxs)("table",{className:"table",children:[(0,n.jsx)("thead",{children:(0,n.jsxs)("tr",{children:[(0,n.jsx)("th",{children:"Parameters"}),(0,n.jsx)("th",{children:"Criteria"})]})}),(0,n.jsxs)("tbody",{children:[(0,n.jsxs)("tr",{children:[(0,n.jsx)("td",{children:"Basic Sum Assured"}),(0,n.jsx)("td",{children:(0,n.jsx)("span",{children:"Rs. 1 Cr. - No Limit"})})]}),(0,n.jsxs)("tr",{children:[(0,n.jsx)("td",{children:"Policy Term"}),(0,n.jsx)("td",{children:(0,n.jsx)("span",{children:"14, 16, 18, and 20 years"})})]}),(0,n.jsxs)("tr",{children:[(0,n.jsx)("td",{children:"Premium Paying Term"}),(0,n.jsxs)("td",{children:[(0,n.jsx)("span",{children:"For 14 years policy term: 10 years"}),(0,n.jsx)("span",{children:"For 16 years policy term: 12 years"}),(0,n.jsx)("span",{children:"For 18 years policy term: 14 years"}),(0,n.jsx)("span",{children:"For 20 years, policy term: 16 years"})]})]}),(0,n.jsxs)("tr",{children:[(0,n.jsx)("td",{children:"Min Entry Age"}),(0,n.jsx)("td",{children:(0,n.jsx)("span",{children:"18 years for all policy terms"})})]}),(0,n.jsxs)("tr",{children:[(0,n.jsx)("td",{children:"Max Entry Age"}),(0,n.jsxs)("td",{children:[(0,n.jsx)("span",{children:"For 14 years policy term: 55 years"}),(0,n.jsx)("span",{children:"For 16 years policy term: 51 years"}),(0,n.jsx)("span",{children:"For 18 years policy term: 48 years"}),(0,n.jsx)("span",{children:"For 20 years, policy term: 45 years"})]})]}),(0,n.jsxs)("tr",{children:[(0,n.jsx)("td",{children:"Maturity Age"}),(0,n.jsxs)("td",{children:[(0,n.jsx)("span",{children:"For 14 years policy term: 69 years"}),(0,n.jsx)("span",{children:"For 16 years policy term: 67 years"}),(0,n.jsx)("span",{children:"For 18 years policy term: 66 years"}),(0,n.jsx)("span",{children:"For 20 years policy term: 65 years"})]})]})]})]})})]})]}),(0,n.jsxs)("div",{className:p().LifeInsurancemainlistcontent,children:[(0,n.jsx)("h2",{children:"Main Features of the LIC Jeevan Shiromani Policy"}),(0,n.jsx)("p",{children:"The LIC Jeevan Tarun plan is a life insurance plan for children that gives both protection and savings. "}),(0,n.jsxs)("ul",{children:[(0,n.jsx)("li",{children:"This plan gives financial support to your family if the insured person passes away."}),(0,n.jsx)("li",{children:"It includes a built-in critical illness cover for 15 serious diseases."}),(0,n.jsx)("li",{children:"You get extra money, called guaranteed additions, every year if you pay all premiums on time."}),(0,n.jsx)("li",{children:"It is a limited premium plan, and you also get money-back benefits at fixed times."}),(0,n.jsx)("li",{children:"The plan also gives loyalty additions from LIC's profits, which are paid at maturity or in case of death."})]})]}),(0,n.jsxs)("div",{className:p().LifeInsurancemainlistcontent,children:[(0,n.jsx)("h2",{children:"Critical Illnesses Covered in LIC Jeevan Shiromani Plan"}),(0,n.jsx)("p",{children:"This plan includes a built-in critical illness cover for 15 serious diseases:"}),(0,n.jsxs)("ul",{children:[(0,n.jsx)("li",{children:"A stroke that causes permanent problems"}),(0,n.jsx)("li",{children:"Cancer of a serious stage"}),(0,n.jsx)("li",{children:"Kidney failure that needs regular dialysis"}),(0,n.jsx)("li",{children:"Blindness (complete and permanent loss of sight)"}),(0,n.jsx)("li",{children:"Major organ or bone marrow transplant (for the person receiving it)"}),(0,n.jsx)("li",{children:"Open-heart surgery for heart valves (repair or replace)"}),(0,n.jsx)("li",{children:"First heart attack of serious level"}),(0,n.jsx)("li",{children:"Paralysis of body parts (permanent)"}),(0,n.jsx)("li",{children:"Alzheimer's disease or dementia (before age 85)"}),(0,n.jsx)("li",{children:"Open chest heart bypass surgery (CABG)"}),(0,n.jsx)("li",{children:"Aortic surgery"}),(0,n.jsx)("li",{children:"Multiple sclerosis with lasting symptoms"}),(0,n.jsx)("li",{children:"Third-degree burns covering 20% or more of the body"}),(0,n.jsx)("li",{children:"Non-cancerous (benign) brain tumor"}),(0,n.jsx)("li",{children:"Primary pulmonary hypertension"}),(0,n.jsx)("p",{children:"These illnesses are covered under the plan to provide financial support during serious health conditions."})]})]}),(0,n.jsx)(j.Z,{})]})})}),(0,n.jsx)("div",{className:p().BenefitsLifeInsurance,children:(0,n.jsx)("div",{className:"container",children:(0,n.jsx)("div",{className:"row",children:(0,n.jsxs)("div",{className:"col-md-12",children:[(0,n.jsx)("h2",{children:"Benefits of LIC Jeevan Shiromani Plan"}),(0,n.jsx)("p",{children:"The LIC Jeevan Shiromani Plan gives several benefits to policyholders depen
1ding on what happens during the policy term."}),(0,n.jsxs)("ul",{children:[(0,n.jsxs)("li",{children:[(0,n.jsx)("small",{children:(0,n.jsx)("img",{loading:"lazy",src:"".concat(y,"DeathBenefitlife.svg"),alt:"Death Benefit",width:"60",height:"60"})}),(0,n.jsxs)("span",{children:[(0,n.jsx)("h3",{children:"Death Benefit"}),(0,n.jsxs)("p",{children:["If the policyholder passes away during the policy term, the family gets the death benefit as follows:",(0,n.jsxs)("abbr",{children:[(0,n.jsx)("strong",{children:"If death happens within the first 5 years:"})," The nominee receives the Sum Assured on Death plus Guaranteed Additions."]}),(0,n.jsxs)("abbr",{children:[(0,n.jsx)("strong",{children:"If death happens after 5 years but before maturity:"})," The nominee receives the Sum Assured on Death along with Guaranteed Additions and Loyalty Additions."]})]}),(0,n.jsxs)("p",{children:["The death benefit will be the greater of:",(0,n.jsx)("abbr",{children:"125% of the Basic Sum Assured"}),(0,n.jsx)("abbr",{children:"7 times the yearly premium"})]})]})]}),(0,n.jsxs)("li",{children:[(0,n.jsx)("small",{children:(0,n.jsx)("img",{loading:"lazy",src:"".concat(y,"TrustedAwardWinningCompany.svg"),alt:"Survival Benefit",width:"60",height:"60"})}),(0,n.jsxs)("span",{children:[(0,n.jsx)("h3",{children:"Survival Benefit"}),(0,n.jsx)("p",{children:"If the policyholder survives for certain years during the policy term, they get a fixed percentage of the Basic Sum Assured as a Survival Benefit."}),(0,n.jsx)("div",{className:"table-responsive ".concat(p().LifeInstableresponsive),children:(0,n.jsxs)("table",{className:"table",children:[(0,n.jsx)("thead",{children:(0,n.jsxs)("tr",{children:[(0,n.jsx)("th",{children:"Policy Term"}),(0,n.jsx)("th",{children:"Policy Anniversary"}),(0,n.jsx)("th",{children:"Survival Benefit (% of Basic Sum Assured)"})]})}),(0,n.jsxs)("tbody",{children:[(0,n.jsxs)("tr",{children:[(0,n.jsx)("td",{children:"14 years"}),(0,n.jsx)("td",{children:"10th 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".concat(p().LifeInstableresponsive),children:(0,n.jsxs)("table",{className:"table",children:[(0,n.jsx)("thead",{children:(0,n.jsxs)("tr",{children:[(0,n.jsx)("th",{children:"Policy Term"}),(0,n.jsx)("th",{children:"Maturity Benefit (% of Basic Sum Assured)"})]})}),(0,n.jsxs)("tbody",{children:[(0,n.jsxs)("tr",{children:[(0,n.jsx)("td",{children:"14 years"}),(0,n.jsx)("td",{children:"40%"})]}),(0,n.jsxs)("tr",{children:[(0,n.jsx)("td",{children:"16 years"}),(0,n.jsx)("td",{children:"30%"})]}),(0,n.jsxs)("tr",{children:[(0,n.jsx)("td",{children:"18 years"}),(0,n.jsx)("td",{children:"20%"})]}),(0,n.jsxs)("tr",{children:[(0,n.jsx)("td",{children:"20 years"}),(0,n.jsx)("td",{children:"10%"})]})]})]})})]})]})]})]})})})}),(0,n.jsx)("div",{className:"container",children:(0,n.jsx)("div",{className:"row",children:(0,n.jsx)("div",{className:"col-md-12",children:(0,n.jsxs)("div",{className:p().OptionalLICBenifits,children:[(0,n.jsx)("h2",{children:"Inbuilt Critical Illness Benefit"}),(0,n.jsx)("p",{className:p().OptionalLICBenifitsPara,children:"If the policyholder is diagnosed with any of the 15 critical illnesses covered under the LIC Jeevan Shiromani Plan, they can get the following benefits on the first diagnosis, once LIC approves the claim:"}),(0,n.jsxs)("ul",{children:[(0,n.jsxs)("li",{children:[(0,n.jsx)("small",{children:"01"}),(0,n.jsx)("strong",{children:"Lump Sum Benefit"}),(0,n.jsx)("span",{children:"You get 10% of the Basic Sum Assured as a one-time payment."}),(0,n.jsx)("strong",{children:"Option to Defer Premiums"}),(0,n.jsx)("span",{children:"You can postpone premium payments for 2 years from the date your critical illness claim is approved."}),(0,n.jsx)("span",{children:"No extra interest is charged during this period."}),(0,n.jsx)("span",{children:"Any benefits from the base policy during this time are paid after deducting the premiums due."}),(0,n.jsx)("strong",{children:"Medical Second Opinion"}),(0,n.jsx)("span",{children:"LIC allows you to get a second medical opinion from any healthcare provider."}),(0,n.jsx)("span",{children:"This can be done once during the policy term at no extra cost."}),(0,n.jsx)("p",{children:"This benefit helps you manage finances and get proper medical advice during serious illness."})]}),(0,n.jsxs)("li",{children:[(0,n.jsx)("small",{children:"02"}),(0,n.jsx)("h3",{children:"Participation in Profits (Loyalty Additions)"}),(0,n.jsx)("span",{children:"After 5 policy years, the LIC Jeevan Shiromani plan becomes eligible for loyalty additions if all premiums are paid on time."}),(0,n.jsx)("span",{children:"These loyalty additions are paid to the policyholder or nominee when the policy matures or in case of death."}),(0,n.jsx)("span",{children:"Even if the policy is paid-up, loyalty additions are calculated when the policy is surrendered after 5 years."})]}),(0,n.jsxs)("li",{children:[(0,n.jsx)("small",{children:"03"}),(0,n.jsx)("h3",{children:"Guaranteed Additions"}),(0,n.jsx)("p",{children:"Guaranteed additions are added at the end of every policy year during the premium paying term. The rates are:"}),(0,n.jsxs)("span",{children:[(0,n.jsx)("b",{children:"First 5 years:"})," Rs. 50 for every Rs. 1,000 of Basic Sum Assured"]}),(0,n.jsxs)("span",{children:[(0,n.jsx)("b",{children:"After 5 years until the end of the premium payment term:"})," Rs. 55 for every Rs. 1,000 of Basic Sum Assured"]}),(0,n.jsx)("p",{children:"These additions increase the total benefits you receive from the policy."})]})]})]})})})}),(0,n.jsx)("div",{className:p().LicOptionalBenifits,children:(0,n.jsx)("div",{className:"container",children:(0,n.jsx)("div",{className:"row",children:(0,n.jsxs)("div",{className:"col-md-12",children:[(0,n.jsx)("h2",{children:"Optional Benefits of LIC Jeevan Shiromani Plan"}),(0,n.jsx)("p",{children:"Apart from the main benefits, the LIC Jeevan Shiromani plan offers optional add-ons (riders) to increase your coverage."}),(0,n.jsxs)("ul",{children:[(0,n.jsxs)("li",{children:[(0,n.jsx)("small",{children:"01"}),(0,n.jsxs)("span",{children:[(0,n.jsx)("h3",{children:"Rider Benefits"}),(0,n.jsx)("p",{children:"You can choose optional riders by paying a little extra premium. You can select up to three riders from the following:"}),(0,n.jsx)("abbr",{children:"LIC Accidental Death and Disability Benefit Rider"}),(0,n.jsx)("abbr",{children:"LIC Accident Benefit Rider"}),(0,n.jsx)("abbr",{children:"LIC New Term Assurance Rider"}),(0,n.jsx)("abbr",{children:"LIC New Critical Illness Benefit Rider"})]})]}),(0,n.jsxs)("li",{children:[(0,n.jsx)("small",{children:"02"}),(0,n.jsxs)("span",{children:[(0,n.jsx)("h3",{children:"Option to Defer Survival Benefits"}),(0,n.jsx)("p",{children:"The policyholder can choose to postpone receiving survival benefits and get a higher amount with interest later during the policy term."}),(0,n.jsx)("abbr",{children:"If you don't take the survival benefits during the policy, they will be paid along with other benefits when the policy ends due to death, maturity, or surrender."}),(0,n.jsx)("abbr",{children:"To use this option, you must inform LIC in writing at least 6 months before the survival benefit is due."}),(0,n.jsx)("p",{children:"This option helps you get a bigger payout if you wait."})]})]}),(0,n.jsxs)("li",{children:[(0,n.jsx)("small",{children:"03"}),(0,n.jsxs)("span",{children:[(0,n.jsx)("h3",{children:"Settlement Option for Maturity Benefit"}),(0,n.jsx)("p",{children:"Instead of getting the maturity amount all at once, the policyholder can choose to receive it in instalments over 5, 10, or 15 years."}),(0,n.jsx)("div",{className:"table-responsive ".concat(p().LifeInstableresponsive),children:(0,n.jsxs)("table",{className:"table",children:[(0,n.jsx)("thead",{children:(0,n.jsxs)("tr",{children:[(0,n.jsx)("th",{children:"Mode of Payment"}),(0,n.jsx)("th",{children:"Minimum Instalment Amount"})]})}),(0,n.jsxs)("tbody",{children:[(0,n.jsxs)("tr",{children:[(0,n.jsx)("td",{children:"Monthly"}),(0,n.jsx)("td",{children:"Rs. 5,000"})]}),(0,n.jsxs)("tr",{children:[(0,n.jsx)("td",{children:"Quarterly"}),(0,n.jsx)("td",{children:"Rs. 15,000"})]}),(0,n.jsxs)("tr",{children:[(0,n.jsx)("td",{children:"Half-yearly"}),(0,n.jsx)("td",{children:"Rs. 25,000"})]}),(0,n.jsxs)("tr",{children:[(0,n.jsx)("td",{children:"Yearly"}),(0,n.jsx)("td",{children:"Rs. 50,000"})]})]})]})}),(0,n.jsx)("p",{children:"This option helps you receive the money in smaller parts for easier use."})]})]}),(0,n.jsxs)("li",{children:[(0,n.jsx)("small",{children:"04"}),(0,n.jsxs)("span",{children:[(0,n.jsx)("h3",{children:"Instalment Option for Death Benefit"}),(0,n.jsx)("p",{children:"The policyholder can choose to pay the death benefit in instalments over 5, 10, or 15 years. The nominee will receive the instalments in advance according to the chosen payment mode."}),(0,n.jsx)("div",{className:"table-responsive ".concat(p().LifeInstableresponsive),children:(0,n.jsxs)("table",{className:"table",children:[(0,n.jsx)("thead",{children:(0,n.jsxs)("tr",{children:[(0,n.jsx)("th",{children:"Mode of Payment"}),(0,n.jsx)("th",{children:"Minimum Instalment Amount"})]})}),(0,n.jsxs)("tbody",{children:[(0,n.jsxs)("tr",{children:[(0,n.jsx)("td",{children:"Monthly"}),(0,n.jsx)("td",{children:"Rs. 5,000"})]}),(0,n.jsxs)("tr",{children:[(0,n.jsx)("td",{children:"Quarterly"}),(0,n.jsx)("td",{children:"Rs. 15,000"})]}),(0,n.jsxs)("tr",{children:[(0,n.jsx)("td",{children:"Half-yearly"}),(0,n.jsx)("td",{children:"Rs. 25,000"})]}),(0,n.jsxs)("tr",{children:[(0,n.jsx)("td",{children:"Yearly"}),(0,n.jsx)("td",{children:"Rs. 50,000"})]})]})]})}),(0,n.jsx)("p",{children:"This option helps the family receive the money in smaller, manageable parts instead of a single lump sum."})]})]})]})]})})})}),(0,n.jsxs)("div",{className:"container",children:[(0,n.jsx)("div",{className:"row",children:(0,n.jsx)("div",{className:"col-md-12",children:(0,n.jsxs)("div",{className:"".concat(p().TypesofLICLifeInsurance," ").concat(p().LICBimaJyotiPlanOnline),children:[(0,n.jsx)("div",{className:p().TypesofLICLifeInsuranceimgbox,children:(0,n.jsx)("img",{loading:"lazy",src:"".concat(y,"all-lic-plan-detail
1s.webp"),alt:"LIC Jeevan Shiromani Policy Details",width:"450",height:"600"})}),(0,n.jsxs)("div",{className:p().TypesofLICLifeInsurancecontent,children:[(0,n.jsx)("h2",{children:"LIC Jeevan Shiromani Policy Details"}),(0,n.jsx)("span",{children:"\xa0"}),(0,n.jsx)("ul",{children:(0,n.jsxs)("li",{children:[(0,n.jsx)("span",{children:(0,n.jsx)("i",{className:"fa fa-check-square"})}),(0,n.jsx)("h3",{children:"Grace Period"}),(0,n.jsx)("p",{children:"The plan gives you extra time to pay your premium after the due date. You get 30 days for yearly, half-yearly, or quarterly payments and 15 days for monthly payments. During this period, your policy remains active, and you continue to get full insurance coverage. This benefit also applies to any rider premiums added to your policy."}),(0,n.jsx)("span",{children:(0,n.jsx)("i",{className:"fa fa-check-square"})}),(0,n.jsx)("h3",{children:"Free Look Period"}),(0,n.jsx)("p",{children:"If you are not satisfied with the policy, you can return it within 15 days of receiving the policy document. You must mention the reason for returning it. After that, LIC will cancel the policy and refund your premium amount after deducting some charges like risk premium, stamp duty, and medical examination costs."}),(0,n.jsx)("span",{children:(0,n.jsx)("i",{className:"fa fa-check-square"})}),(0,n.jsx)("h3",{children:"Revival"}),(0,n.jsx)("p",{children:"If you miss paying your premium and do not pay it during the grace period, your policy will stop (lapse). You can restart (revive) it within 5 years from the date of the first missed payment and before the policy ends. To revive the policy, you need to pay all pending premiums with interest and meet LIC's conditions. Riders can be restarted only if the main policy is also revived. Once everything is approved, LIC will give a revival receipt, and your policy will become active again."}),(0,n.jsx)("span",{children:(0,n.jsx)("i",{className:"fa fa-check-square"})}),(0,n.jsx)("h3",{children:"Paid-up Policy"}),(0,n.jsx)("p",{children:"If you stop paying premiums after completing at least one full year, your policy becomes a paid-up policy. In this case, the death and maturity benefits are reduced based on how many premiums you have paid. However, you will still get guaranteed additions and loyalty additions, if applicable. Survival benefits will also be paid, but in a reduced amount."}),(0,n.jsx)("span",{children:(0,n.jsx)("i",{className:"fa fa-check-square"})}),(0,n.jsx)("h3",{children:"Surrender"}),(0,n.jsx)("p",{children:"You can close (surrender) your LIC Jeevan Shiromani policy after completing at least one year and paying one full year's premium. When you surrender the policy, you will get an amount based on either the Guaranteed Surrender Value or the Special Surrender Value, whichever is higher. This amount is calculated based on the premiums you have paid, after adjusting for any due survival benefits."}),(0,n.jsx)("span",{children:(0,n.jsx)("i",{className:"fa fa-check-square"})}),(0,n.jsx)("h3",{children:"Policy Loan"}),(0,n.jsx)("p",{children:"You can take a loan under this policy after paying at least one full year's premium. The loan amount can be up to 90% of the surrender value if the policy is active, and up to 80% if the policy has become paid-up."}),(0,n.jsx)("span",{children:(0,n.jsx)("i",{className:"fa fa-check-square"})}),(0,n.jsx)("h3",{children:"Policy Rebate"}),(0,n.jsxs)("p",{children:["LIC Jeevan Shiromani gives some discounts (rebates) based on how you pay your premium and how high your sum assured is.",(0,n.jsx)("abbr",{children:(0,n.jsx)("strong",{children:"Rebate on Premium Payment Mode:"})})]}),(0,n.jsx)("div",{className:"table-responsive ".concat(p().LifeInstableresponsive),children:(0,n.jsxs)("table",{className:"table",children:[(0,n.jsx)("thead",{children:(0,n.jsxs)("tr",{children:[(0,n.jsx)("th",{children:"Payment Mode"}),(0,n.jsx)("th",{children:"Rebate"})]})}),(0,n.jsxs)("tbody",{children:[(0,n.jsxs)("tr",{children:[(0,n.jsx)("td",{children:"Yearly"}),(0,n.jsx)("td",{children:"2% discount on the premium"})]}),(0,n.jsxs)("tr",{children:[(0,n.jsx)("td",{children:"Half-yearly"}),(0,n.jsx)("td",{children:"1% discount on the premium"})]}),(0,n.jsxs)("tr",{children:[(0,n.jsx)("td",{children:"Quarterly / Monthly"}),(0,n.jsx)("td",{children:"No discount"})]})]})]})}),(0,n.jsx)("p",{children:(0,n.jsx)("abbr",{children:(0,n.jsx)("strong",{children:"Rebate on High Basic Sum Assured:"})})}),(0,n.jsx)("div",{className:"table-responsive ".concat(p().LifeInstableresponsive),children:(0,n.jsxs)("table",{className:"table",children:[(0,n.jsx)("thead",{children:(0,n.jsxs)("tr",{children:[(0,n.jsx)("th",{children:"Basic Sum Assured"}),(0,n.jsx)("th",{children:"Rebate"})]})}),(0,n.jsxs)("tbody",{children:[(0,n.jsxs)("tr",{children:[(0,n.jsx)("td",{children:"Rs 1 Cr. - Rs. 1.95 Cr."}),(0,n.jsx)("td",{children:"No discount"})]}),(0,n.jsxs)("tr",{children:[(0,n.jsx)("td",{children:"Rs. 2 Cr. - Rs. 4.95 Cr."}),(0,n.jsx)("td",{children:"0.030% of Basic Sum Assured"})]}),(0,n.jsxs)("tr",{children:[(0,n.jsx)("td",{children:"Rs. 5 Cr. and above"}),(0,n.jsx)("td",{children:"0.050% of Basic Sum Assured"})]})]})]})})]})})]})]})})}),(0,n.jsx)("br",{}),(0,n.jsx)("br",{})]}),(0,n.jsx)("div",{className:p().LicPremiumsforLabh,children:(0,n.jsx)("div",{className:"container",children:(0,n.jsx)("div",{className:"row",children:(0,n.jsxs)("div",{className:"col-md-12",children:[(0,n.jsxs)("div",{className:p().LifeInstableresponsivehead,children:[(0,n.jsx)("h2",{children:"LIC Jeevan Shiromani Premium Chart"}),(0,n.jsx)("p",{children:"To understand this plan better, you can check the premium chart below. It shows the yearly premium amount for a Basic Sum Assured of Rs. 1 Crore, based on age and policy term."}),(0,n.jsx)("div",{className:"table-responsive ".concat(p().LifeInstableresponsive),children:(0,n.jsxs)("table",{className:"table",children:[(0,n.jsx)("thead",{children:(0,n.jsxs)("tr",{children:[(0,n.jsx)("th",{children:"Age (Near Birthday)"}),(0,n.jsx)("th",{children:"14 Years"}),(0,n.jsx)("th",{children:"16 Years"}),(0,n.jsx)("th",{children:"18 Years"}),(0,n.jsx)("th",{children:"20 Years"})]})}),(0,n.jsxs)("tbody",{children:[(0,n.jsxs)("tr",{children:[(0,n.jsx)("td",{children:"20 years"}),(0,n.jsx)("td",{children:"Rs. 10,69,670"}),(0,n.jsx)("td",{children:"Rs. 8,96,700"}),(0,n.jsx)("td",{children:"Rs. 7,70,770"}),(0,n.jsx)("td",{children:"Rs. 6,83,550"})]}),(0,n.jsxs)("tr",{children:[(0,n.jsx)("td",{children:"30 years"}),(0,n.jsx)("td",{children:"Rs. 10,75,550"}),(0,n.jsx)("td",{children:"Rs. 9,04,050"}),(0,n.jsx)("td",{children:"Rs. 7,79,100"}),(0,n.jsx)("td",{children:"Rs. 6,93,350"})]}),(0,n.jsxs)("tr",{children:[(0,n.jsx)("td",{children:"40 years"}),(0,n.jsx)("td",{children:"Rs. 11,01,030"}),(0,n.jsx)("td",{children:"Rs. 9,31,980"}),(0,n.jsx)("td",{children:"Rs. 8,09,480"}),(0,n.jsx)("td",{children:"Rs. 7,26,670"})]}),(0,n.jsxs)("tr",{children:[(0,n.jsx)("td",{children:"50 years"}),(0,n.jsx)("td",{children:"Rs. 11,69,140"}),(0,n.jsx)("td",{children:"Rs. 10,02,540"}),(0,n.jsx)("td",{children:"-"}),(0,n.jsx)("td",{children:"-"})]})]})]})})]}
1),(0,n.jsxs)("div",{className:p().LicPolicyExclusions,children:[(0,n.jsx)("h2",{children:"Exclusions Under LIC Jeevan Shiromani"}),(0,n.jsx)("p",{children:"There are some cases where full benefits are not paid under this plan."}),(0,n.jsxs)("ul",{children:[(0,n.jsxs)("li",{children:[(0,n.jsx)("small",{children:"01"}),(0,n.jsx)("span",{children:"If the policyholder commits suicide within 12 months of the start of the policy, LIC will not pay full benefits. Only 80% of the total premium paid will be given."})]}),(0,n.jsxs)("li",{children:[(0,n.jsx)("small",{children:"02"}),(0,n.jsx)("span",{children:"If the policyholder commits suicide within 12 months after reviving the policy, LIC will pay either 80% of the total premium paid or the surrender value, whichever is higher."})]}),(0,n.jsx)("p",{children:"These rules are important to understand before buying the policy."})]}),(0,n.jsx)("p",{className:p().LicPolicyExclusionsDisclaimer,children:(0,n.jsxs)("i",{children:[(0,n.jsx)("b",{children:"Disclaimer:"})," Squareinsurance.in does not endorse or recommend any specific insurance company or insurance plan. For more details about this plan, please check the plan brochure or the policy document."]})})]})]})})})}),(0,n.jsx)("div",{className:"container",children:(0,n.jsx)("div",{className:"row",children:(0,n.jsxs)("div",{className:"col-md-12",children:[(0,n.jsxs)("div",{className:p().LifeInsuranceFAQ,children:[(0,n.jsx)("h2",{children:"FAQs"}),(0,n.jsxs)(x.MDBAccordion,{className:p().accordionproductdetails,initialActive:1,children:[(0,n.jsx)(x.MDBAccordionItem,{className:p().accordionitem,collapseId:1,headerTitle:"What is the LIC Jeevan Shiromani Plan?",children:(0,n.jsx)("p",{children:"It is a life insurance plan where you pay a premium for a limited time and get benefits for a longer period."})}),(0,n.jsx)(x.MDBAccordionItem,{className:p().accordionitem,collapseId:2,headerTitle:"How does this plan give profit benefits?",children:(0,n.jsx)("p",{children:"This plan gives extra profit in the form of loyalty additions. You get this after completing at least 5 years, if all your premiums are paid on time. "})}),(0,n.jsx)(x.MDBAccordionItem,{className:p().accordionitem,collapseId:3,headerTitle:"Can I delay (postpone) survival and maturity benefits?",children:(0,n.jsx)("p",{children:"Yes, you can choose to delay your survival benefits and take them later during the policy term with added benefits. If you don't take them during the policy, they will be paid when the policy ends. You can also delay the maturity amount and receive it in instalments by choosing the settlement option."})}),(0,n.jsx)(x.MDBAccordionItem,{className:p().accordionitem,collapseId:4,headerTitle:"Can I get the maturity amount in instalments?",children:(0,n.jsx)("p",{children:"Yes, you can choose to receive it in instalments over 5, 10, or 15 years."})}),(0,n.jsx)(x.MDBAccordionItem,{className:p().accordionitem,collapseId:5,headerTitle:"What benefits do I get from LIC Jeevan Shiromani?",children:(0,n.jsx)("p",{children:"LIC Jeevan Shiromani gives both financial protection and savings. If the policyholder passes away during the policy term, the family gets good financial support. If the policyholder survives, they receive money at certain years (survival benefits) and a lump sum when the policy ends (maturity benefit). This makes it a good choice for long-term savings and security."})})]})]}),(0,n.jsxs)("div",{className:p().LifeInsuranceBlogspart,children:[(0,n.jsx)("div",{className:p().LifeInsuranceBlogspartheading,children:(0,n.jsx)("h2",{children:"Life Insurance Articles"})}),e&&e.length>0&&(0,n.jsxs)(n.Fragment,{children:[(0,n.jsx)(h.tq,{modules:[o.W_,o.s5],spaceBetween:0,loop:!0,navigation:{nextEl:".swiper-button-next",prevEl:".swiper-button-prev"},breakpoints:{320:{slidesPerView:1},640:{slidesPerView:2},1024:{slidesPerView:3},1440:{slidesPerView:3}},children:e.map((e,s)=>(0,n.jsx)(h.o5,{children:(0,n.jsxs)("div",{className:p().Lifeinssbloginner,children:[(0,n.jsx)("div",{className:p().Lifeinssbloginnersbloginnermedia,children:(0,n.jsx)(t(),{href:"/blog/life-insurance/".concat(e.Url),target:"_blank",children:(0,n.jsx)("img",{width:"390",height:"197",loading:"lazy",src:"".concat("https://square-web-new.s3.ap-south-1.amazonaws.com/").concat(e.image),alt:e.title,title:e.title})})}),(0,n.jsxs)("div",{className:p().Lifeinssbloginnerbloginnercontent,children:[(0,n.jsx)("h3",{children:(0,n.jsx)(t(),{href:"/blog/life-insurance/".concat(e.Url),target:"_blank",children:e.title})}),(0,n.jsx)("p",{children:e.discription}),(0,n.jsxs)("div",{className:p().bloglinkAuthor,children:[(0,n.jsxs)("small",{children:[(0,n.jsx)("abbr",{children:(0,n.jsx)("img",{loading:"lazy",src:"".concat("https://square-web-new.s3.ap-south-1.amazonaws.com/").concat(e.authorImageUrl),alt:e.author_name,title:e.author_name,width:"30",height:"33"})}),(0,n.jsxs)("strong",{children:[e.author_name," ",(0,n.jsxs)("b",{children:[e.insert_date,(0,n.jsx)("a",{href:e.AuthorLinkedin,target:"_blank",children:(0,n.jsx)("i",{className:"fa-brands fa-linkedin"})})]})]})]}),(0,n.jsx)(t(),{className:p().bloglinkbtn,href:"/blog/life-insurance/".concat(e.Url),target:"_blank",children:(0,n.jsx)("i",{className:"fa-solid fa-arrow-right"})})]})]})]},s)},s))}),(0,n.jsxs)("div",{className:"swiperslider",children:[(0,n.jsx)("div",{className:"swiper-button-prev"}),(0,n.jsx)("div",{className:"swiper-button-next"})]})]})]}),(0,n.jsx)(m.Z,{}),(0,n.jsxs)("div",{className:p().LifeInsuranceaboutdetail,children:[(0,n.jsx)("h2",{children:"You May Also Know About"}),(0,n.jsxs)("ul",{children:[(0,n.jsx)("li",{children:(0,n.jsx)(t(),{href:"/property-insurance",children:"Property Insurance"})}),(0,n.jsx)("li",{children:(0,n.jsx)(t(),{href:"/health-insurance",children:"Health Insurance"})}),(0,n.jsx)("li",{children:(0,n.jsx)(t(),{href:"/motor-insurance/bike-insurance",children:"Bike Insurance"})}),(0,n.jsx)("li",{children:(0,n.jsx)(t(),{href:"/motor-insurance/car-insurance",children:"Car Insurance"})}),(0,n.jsx)("li",{children:(0,n.jsx)(t(),{href:"/marine-insurance",children:"Marine Insurance"})}),(0,n.jsx)("li",{children:(0,n.jsx)(t(),{href:"/travel-insurance",children:"Travel Insurance"})})]})]})]})})})]})})},v=i(20074),b=!0;function g(e){let{seoData:s,curr_time:i,faq_data:a}=e;return(0,n.jsxs)(r.Z,{seo:s,curr_time:i,children:[(0,n.jsx)(f,{}),a&&(0,n.jsx)(v.Z,{data:a})]})}}},function(e){e.O(0,[3707,5640,5931,2830,585,9544,3963,6093,4198,6816,2888,9774,179],function(){return e(e.s=10044)}),_N_E=e.O()}]);
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