Insurance • Finance University

LIC Jeevan Shikhar (Plan 837) Review

LIC Jeevan Shikhar – Review LIC has launched Jeevan Shikhar Plan (Plan 837 – UIN 512N305V01) which is participating, non-linked, saving

LIC Jeevan Shikhar (Plan 837) Review

September 8, 2023
5:55 am

LIC Jeevan Shikhar – Review

LIC has launched Jeevan Shikhar Plan (Plan 837 – UIN 512N305V01) which is participating, non-linked, saving cum protection single premium plan. This is especially targeted for the unplanned tax saving investment that people do in the month of January to March. The plan would be open till March 31, 2016.

We review LIC Jeevan Shikhar Plan in the post and tell you why you should not invest!

Features & Eligibility Criteria:

Minimum Entry Age: 6 years (completed)

Maximum Entry Age: 45 years (nearer birthday)

Sum Assured on Death: 10 times of tabular single premium

Minimum Maturity Sum Assured: Rs. 1,00,000

Maximum Maturity Sum Assured: No Limit (Maturity Sum Assured shall be in multiple of Rs. 20,000 only)

Policy Term: 15 years

Determining Premium:

In case of LIC Jeevan Shikhar, you need to first choose the sum assured (minimum Rs 1 lakh) and the premium is calculated based on your age (referred as Tabular Single Premium in the policy document). For e.g. For sum assured of Rs 1 Lakh, the premium is Rs 42,580 for 30 year healthy person.

Death Benefit:

If death occurs in first 5 years of policy – 10 times the single premium paid

If death after 5 years of taking policy – 10 times the single premium paid and loyalty additions, if any

If the insured is less than 8 years of age, the death risk coverage would start only after the insured turns 8. If the death occurs before commencement of this risk, only the premium paid would be returned.

Maturity Benefit:

On maturity, you get the sum assured with loyalty additions, if any.

Surrender Value:

The plan can be surrendered anytime.

In case it’s surrendered in the First year, 70% of the premium paid is returned; thereafter 90% of the premium paid.

Loyalty Addition:

The loyalty addition will be paid in case of death or surrender of your policy for atleast five years. This addition is also applicable on maturity sum assured of the insurer.

Loan:

Loan is available against the policy after 3 months of purchase. The loan amount varies from 35% to 85% of the surrender value depending on the age of policy holder and number of policy years completed.

LIC Jeevan Shikhar – Returns Calculation

We take the example which LIC has as its benefit illustration.

Age at entry: 30 Years

Policy Term: 15 years

Sum Assured (at Maturity): Rs 1,00,000

Loyalty Additions: 10% of Rs 1,00,000 = Rs 10,000

Total sum payable at maturity = Rs 1,00,000 + Rs 10,000 = Rs 1,10,000

Single Premium: Rs 42,580

Service Tax: 3.625% of Rs 42,580 = Rs 1,543.5

Total Premium = Rs 44,124

Taking IRR function in Excel, the return comes out to be 6.28%

Points to Note:

The returns are dependent on age of the policy holder as mortality risk is lower for lower age.
Higher sum assured would have slightly higher returns as there is rebate for maturity sum assured of Rs 2 lakhs or more

Loyalty Additions taken in the above example is on the higher side and is based on the recent bonuses announced by LIC for its existing policies. The actual loyalty addition would be only known at the time on maturity.

Recommendation:

LIC and all insurance companies’ target people looking for quick solutions for their tax saving investments and so all of them keep on launching multiple policies at this time of the year. As you can see the returns for LIC Jeevan Shikhar are on the lower side. Also the life insurance offered in inadequate.

If you are looking for safer avenues and long term avenue to save tax, PPF offering 8.7% interest is much better bet.

Miss-sold LIC Jeevan Shikhar policy?

Since these plans are pushed hard by agents you might be reading this after you have paid your premium. The good news is you can cancel the policy within 15 days of receiving it. This is known as Free Look Period in Insurance world.

Once you submit your cancellation request, LIC would return your premium after deducting the proportionate risk premium for the period on cover, stamp duty charges, service tax and any charges incurred on medical examinations.

What’s your Reaction?

2 thoughts on “LIC Jeevan Shikhar (Plan 837) Review”

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June 25, 2024 at 11:10 pm

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Tools & Calculators

Rail Travel Insurance

Rail Travel Insurance Off late there have been multiple rail accidents. Fortunately from August 2016 railways have introduced train travel

Rail Travel Insurance

September 8, 2023
5:53 am

Rail Travel Insurance

Off late there have been multiple rail accidents. Fortunately from August 2016 railways have introduced train travel insurance for the tickets booked through IRCTC. The post tells you 5 significant points of the same:

How to Buy Rail Travel Insurance?

When you buy ticket online through IRCTC, you are given an option to avail travel insurance. The insurance premium including taxes is 92 paisa per passenger and is added to the ticket price. However children below 5 years are not covered by this insurance. Also foreigners cannot buy this insurance.

Premium Breakup - Rail Travel Insurance — **Premium Breakup – Rail Travel Insurance**

Right now the insurance is given free as an incentive to promote digital payments.

Benefits of Rail Travel Insurance:

The sum assured for the policy is Rs 10 lakhs for each insured. Following are the benefits:

Death or permanent total disability within 12 months of the date of the accident – 100% of sum assured – Rs 10 Lakhs
Permanent partial disability – 75% of sum assured – Rs 7.5 Lakhs
Hospitalisation and medical charges – 20% of sum assured – Rs 2 Lakhs
Transportation of mortal remains – Rs 10,000

Rail Travel Insurance - Sum Insured Details — **Rail Travel Insurance – Sum Insured Details**

How to Assign Nominee?

You can assign the nominee after by clicking on the link given in SMS and mail that you get from the insurance companies.

Nominee details - Rail Travel insurance — **Nominee details – Rail Travel insurance**

Coverage:

The rail travel insurance covers any accident at the time of travel. This could be accident occurring by any collision between trains, the derailing of the train carrying passengers, or any other kind of train accident. The passenger or their nominee can claim compensation for death, permanent total disability, permanent partial disability and hospitalization charges. Apart from rail mishaps, the coverage would also take care of terrorist attacks and accidental fall of a passenger from a train and normal accidents, riots, robbery and dacoity.

Insurance Companies:

Following 3 companies are offering this insurance:

ICICI Lombard General Insurance Company Limited
Royal Sundaram General Insurance Co. Limited and
Shriram General Insurance Company

The above 3 companies get insurance policies on a rotation basis from an automated system.

How to Claim?

The insured/nominee has to claim insurance within 4 months from the date of accident. The claims would be settled within 15 days of submission of all documents and paid through NEFT. At the time of settlement the insurance company may ask for KYC documents as per prevalent practices.

To Conclude:

While traveling you must buy train travel insurance as the premium is just 92 paisa for Rs 10 lakh insurance. This would come quite handy in case of any mishappening.

What’s your Reaction?

2 thoughts on “Rail Travel Insurance”

binance racun
August 13, 2024 at 10:25 pm

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August 28, 2024 at 6:36 pm

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Tools & Calculators

LIC Plans Launched In 2017 & Should You Invest For Tax Saving?

LIC Plans are one of the most popular investment options in the name of saving tax. Every year LIC comes

LIC Plans Launched In 2017 & Should You Invest For Tax Saving?

September 8, 2023
5:53 am

LIC Plans are one of the most popular investment options in the name of saving tax. Every year LIC comes out with NEW insurance plans especially in the month of December to March for tax savers. But have you ever evaluated if these LIC plans are worthy investment especially for tax saving? We evaluate these plans for you and tell you if you should invest in them and if there are better alternatives.

In 2017 LIC has launched following tax saving plans:

LIC Jeevan Shiromani
LIC Jeevan Umang
LIC Jeevan Utkarsh
LIC Aadhaar Shila
LIC Aadhaar Stambh

These plans can be classified as Endowment plans, Single Premium Traditional plan or Whole-life plan. We discuss the plans one by one.

LIC Jeevan Shiromani:

Launched in December 2017 LIC Jeevan Shiromani is Non-linked, Money back, Limited premium payment with guaranteed additions plan targeted for HNIs (High Net-worth Individuals)

Minimum Sum Assured: Rs 1 Crore

Age for Entry: 18 to 55 Years

Maturity Benefit: Sum Assured on Maturity + Guaranteed Additions + Loyalty Addition if any

Death Benefit: Sum Assured on Death + Guaranteed Additions + Loyalty Addition if any. In case death occurs before 5 years only Sum Assured on Death + Guaranteed Additions are paid to the nominees

Expected Returns: The returns could vary from 5% to 7% depending on loyalty bonus rates and your age at entry and premium paying term

Should you Invest? For 1 crore sum assured the annual premium would be more than Rs 7 lakhs depending on the age and term. So this is clearly for HNIs. The expected returns are may vary from 5% to 7% which is low as HNIs can take more risk in their investments. Also from tax saving angle investors would be much better-off with investment in ELSS funds and buying separate term insurance. Our recommendation is to stay away from LIC Jeevan Shiromani.

LIC Jeevan Utkarsh:

LIC Jeevan Utkarsh Review

Launched in September 2017, LIC Jeevan Utkarsh is single-premium traditional, non-linked, with-profits, savings cum protection plan. This plan would close for investment on March 31, 2018.

Minimum Sum Assured: Rs 75,000

Age for Entry: 6 to 47 Years

Maturity Benefit: Sum Assured on Maturity + Loyalty Addition if any

Death Benefit: Sum Assured on Death + Loyalty Addition if any. In case death occurs before 5 years only Sum Assured on Death is paid to the nominees

Expected Returns: The returns could vary from 5% to 7% depending on loyalty bonus rates and your age at entry

Should you Invest? Single premium life insurance plans are expensive form of insurance. As can be seen the expected returns are may vary from 5% to 7%. If buying for tax saving you would get better returns by investing in PPF and buying term insurance separately. Our recommendation is to stay away from LIC Jeevan Utkarsh.

LIC Jeevan Umang:

Launched in May 2017, LIC Jeevan Umang is a whole life insurance with limited premium payment option plan. It provides annual Survival Benefits after the premium paying term till maturity/death and also lump-sum amount at the time of maturity/death.

Minimum Sum Assured: Rs 2,00,000

Age for Entry: 90 days to 55 Years

Maturity Benefit: Basic Sum Assured + Simple Reversionary Bonuses + Final Additional Bonus (if any)

Death Benefit: Basic Sum Assured + Simple Reversionary Bonuses + Final Additional Bonus (if any) is paid to the nominees

Expected Returns: The returns could vary from 5% to 7% depending on bonus rates and your age at entry

Should you Invest? As can be seen the expected returns are may vary from 5% to 7%. If buying for tax saving you would get better returns by investing in PPF and buying term insurance separately. Our recommendation is to stay away from LIC Jeevan Umang.

LIC Aadhaar Stambh Plan:

**LIC Aadhaar Stambh and LIC Aadhaar Shila Plan**

Launched in April 2017, LIC Aadhaar Stambh is with profit, non-linked regular premium paying Endowment insurance plan for males with Aadhaar number.

Minimum Sum Assured: Rs 75,000

Age for Entry: 8 to 55 Years

Maturity Benefit: Sum Assured on Maturity + Loyalty Addition if any (if any)

Death Benefit: Sum Assured on Death + Loyalty Addition if any. In case death occurs before 5 years only Sum Assured on Death is paid to the nominees

Expected Returns: The returns could vary from 4% to 5% depending on bonus rates and your age at entry

Should you Invest? This is a regular endowment plan with no other USP. The plan is just riding on the Aadhaar popularity. The returns are may vary from 4% to 5%. If buying for tax saving you would get better returns by investing in PPF and buying term insurance separately. Our recommendation is to stay away from LIC Aadhaar Stambh Plan.

LIC Aadhaar Shila Plan:

Launched in April 2017, LIC Aadhaar Shila is with profit, non-linked regular premium paying Endowment insurance plan for females with Aadhaar number.

Minimum Sum Assured: Rs 75,000

Age for Entry: 8 to 55 Years

Maturity Benefit: Sum Assured on Maturity + Loyalty Addition if any (if any)

Death Benefit: Sum Assured on Death + Loyalty Addition if any. In case death occurs before 5 years only Sum Assured on Death is paid to the nominees

Expected Returns: The returns could vary from 4% to 5% depending on bonus rates and your age at entry

Should you Invest? This is a regular endowment plan with no other USP. The plan is just riding on the Aadhaar popularity. The returns are may vary from 4% to 5%. If buying for tax saving you would get better returns by investing in PPF and buying term insurance separately. Our recommendation is to stay away from LIC Aadhaar Stambh Plan.

**Should you Invest in New LIC Plans for Tax Saving?**

LIC Plans for Tax Saving? My recommendations:

LIC stands for Life Insurance Corporation – which means it primarily is in insurance business and NOT investment.

Most insurance plans with investment component (like endowment plan, Money back plan, etc) offer low returns in the range of 4% to 7%.

Due to high premium, investors neither get adequate insurance nor good returns. Its good idea to buy pure term life insurance and invest rest in PPF (if you are conservative) or ELSS (if you are aggressive) to save tax.

Generally December to March is the time when LIC and other insurance companies launch new tax saving investment plans and insurance agents are out in full force to sell these as tax saving investments. Be cautious and select the right investment or you may regret later!

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Tools & Calculators

5 Steps To Link Aadhaar To LIC Policies Online

Government has made mandatory for insurance policy holders to link their Aadhaar to their life insurance policies. The deadline to

5 Steps To Link Aadhaar To LIC Policies Online

September 8, 2023
5:53 am

Government has made mandatory for insurance policy holders to link their Aadhaar to their life insurance policies. The deadline to link Aadhaar has been extended to March 31, 2018. In case Supreme Court does not extend the deadlines further or nullify the order, you may face difficulties when the policy matures or when the nominees file claim. So if you have aadhaar and have no inhibitions to link it go ahead and do it well before the deadline.

The Aadhaar can be linked to insurance policies both offline and online (for some companies). For offline you’ll need to visit the insurance company office with your aadhaar card & insurance policies. In this post we tell you how to link Aadhaar to your insurance policies online.

Link your LIC policies online with Aadhaar:

Step 1: Click on the following link to go to LIC link Aadhaar and Pan to policy page.

Step 2: Fill up the form. The screenshot is sown below:

Link Aadhaar and Pan to LIC policy

Step 3: You will receive OTP from UADAI to your Aadhaar registered mobile number. In case you do not have right number updated on your Aadhaar you cannot proceed further. You’ll need to either update mobile number in Aadhaar or link it offline to your policies.

Step 4: On giving the right OTP, you’ll get the message regarding success of the registration for linkage.

Step 5: After LIC verifies the Aadhaar with UADAI, you’ll receive SMS/email confirmation for the same. This may take a few days.

**Link LIC policies online with Aadhaar**

I hope this post would help policy holders to link their Aadhaar to LIC Life insurance policies.

What’s your Reaction?

3 thoughts on “5 Steps To Link Aadhaar To LIC Policies Online”

criac~ao de conta na binance
August 3, 2024 at 11:59 pm

I don’t think the title of your article matches the content lol. Just kidding, mainly because I had some doubts after reading the article.
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April 10, 2025 at 4:42 am

Your point of view caught my eye and was very interesting. Thanks. I have a question for you.
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April 12, 2025 at 2:01 pm

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Tools & Calculators

Making Sense Of Tax Benefit On Health Insurance – 80D Section Of Income Tax

You might have heard stories where a serious medical condition in a family has drained them of their wealth. These

Making Sense Of Tax Benefit On Health Insurance – 80D Section Of Income Tax

September 8, 2023
5:53 am

You might have heard stories where a serious medical condition in a family has drained them of their wealth. These are not just stories but can happen to anyone. To guard against such issues – you must buy Health Insurance. The good part is you also get tax benefit on premium paid for Health insurance. In this post we resolve what’s and How’s of Tax Deduction on Health Insurance sec 80D!

How much Tax Benefit I get on Health Insurance?

Budget 2018 has enhanced the limit of Health Insurance premium eligible for tax deduction under section 80D for Senior citizens. The limit is Rs 25,000 for people with age less than 60 years and it’s Rs 50,000 for senior citizens. You can also claim Rs 5,000 for Preventive Health checkups. This is within the Rs 25,000/50,000 limit.

You can also claim additional tax benefit on Health insurance premiums paid for your parent.

What’s the Tax Benefit for Health Insurance of Parents?

You can claim additional tax deduction on the premium paid for Health Insurance of your parents. This can be up to Rs 25,000 in case your parents are below 60 years of age and Rs 50,000 in case any one of your parents is above 60 years of age.

But just paying premium is not enough. The policy should have been bought by you i.e. you should be the proposer of the policy. There are cases when people pay premium for an existing policy which was bought few years back by their parents and claim tax deduction u/s 80D. This can land you in trouble. So the best way is to either buy a new policy or write to the concerned insurance company to change the proposer at the time of renewal.

Health Insurance – Tax Benefit Available – FY 2018-19

Can premium be split between Husband and Wife for tax benefit?

Suppose you bought family floater Health insurance which has premium of Rs 35,000 which covers self, spouse and children. Now can you split this premium between husband and wife so that both can claim benefit? The answer is NO. The reason being there can only be one proposer for a policy and hence the tax benefit can only be claimed by one.

To get around this you may opt for two separate policies but keep in mind the overall premium might be higher. So do your calculations before deciding.

What’s the tax Benefit on preventive health checkup?

Tax exemption up to Rs 5,000 is allowed for preventive health checkup of Self, Spouse, dependent Children and Parents. This limit is within the Rs 25,000/Rs 50,000 deduction.

**Tax Benefit on Medical Insurance under Section 80D**

Important Points:

1. The maximum tax deduction u/s 80D can be Rs 1,00,000 in case you buy Health insurance for self and your parents and both you and your parents are senior citizens.

2. HUFs can also claim this deduction for premium paid for insuring the health of any member of the HUF

3. To avail deduction the premium should be paid in any mode other than cash. However the payment for Preventive Health checkup can be done in cash.

What’s your Reaction?

3 thoughts on “Making Sense Of Tax Benefit On Health Insurance – 80D Section Of Income Tax”

binance
July 31, 2024 at 2:13 pm

Your article helped me a lot, is there any more related content? Thanks!
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August 1, 2024 at 2:31 pm

Can you be more specific about the content of your article? After reading it, I still have some doubts. Hope you can help me.
"oppna ett binance-konto
September 20, 2024 at 3:55 am

Can you be more specific about the content of your article? After reading it, I still have some doubts. Hope you can help me.

Speak to an Finance specialist now!

Tools & Calculators

Single Or Regular Premium For Life Insurance?

Buying Life Insurance is a complicated process. It involves so many decision points. To start with you need to figure

Single Or Regular Premium For Life Insurance?

September 7, 2023
3:43 am

Buying Life Insurance is a complicated process. It involves so many decision points. To start with you need to figure out how much insurance you need? Which is the best life insurance company? Once you are done with these the next question is what type of insurance plan to buy – endowment, ULIP or term plan. As you are well read, you decide on Term Plan. But even in term plan there are multiple decisions to be made.

I tried buying HDFC Life Click 2 Protect Term insurance and was overwhelmed with the options to choose. Following are the decision points:

Pure Term Insurance Vs Return of Premium Plan (Moneyback)
Premium Payment Term – Monthly, Annual or Single
Benefit to be paid to nominee – one time or in installments
Increase insurance annually (top up)
Multiple riders and so on ….

I thought of doing a series of posts which would help our readers to decide on the above points. This post covers if you should pay premium annually or just one time as Single premium.

Regular Vs Single Premium for Life Insurance?

Below is the snapshot comparing both the premiums for HDFC Life Click 2 Protect Term Life Insurance for 30-year healthy male insured for 30 yeas for amount of Rs 1 crore.

HDFC Life Term Insurance – Single Premium Vs Annual Premium

There are three important reasons I prefer Annual Payment of life insurance premium:

Affordability: As you see in the single premium is Rs 1.62 lakhs Vs annual premium of Rs 9,717. For most people single premium may not be affordable at all!

Portability: If you pay the premium in one go you cannot change the insurance provider in future. In case your life goals are achieved and you no longer want to continue insurance, you cannot do so.

Cheaper than single premium payment: In case of single premium you would pay Rs 1.62 lakhs while if you choose annual payment, you pay Rs 2.92 lakhs (9717 X 30). This seems like single premium policy is 45% cheaper than annual payment. But hold on until you consider time value of money and it’s the opposite.

Here is a simple trick which would tell you how expensive is Single Premium.

Assuming that you can afford the premium of Rs 1,62,667 – you have 2 options

Pay the amount as single Premium or
Pay annual premium and invest the rest to generate future premiums

Here is some calculation to illustrate the above point(2):

Annual Premium = Rs 9,717
Money Left after 1st year Premium = Rs 1,52,950 (1,62,667 – 9,717)

Now invest this remaining Rs 1.53 in simple bank fixed deposit or liquid or arbitrage mutual fund or good rated bonds (these days the interest rate on AAA rated NCDs are more than 9%). You can easily expect annual return of 6.5%.

So every year you would get Rs 9,942 (6.5% of 1,52,950). You can pay this amount as annual premium next year. This can continue for 30 years.

At the end of 30 years you would have paid all the premium and still have Rs 1.52 lakh invested with you. Hence you can see single premium is much more expensive than it seems!

**Buying Life Insurance – Single or Regular Premium**

Who should choose Single Premium Payment?

Single premium payment for life insurance is suited for people who have uneven cash flow or for some one who is not disciplined enough to pay premium regularly. But I think in both the cases, people can do fixed deposit in bank with annual payment of interest and set-up auto pay for the insurance premium every year. This is much smarter way and saves you good amount of money along with other benefits of paying life insurance premium annually.

What’s your Reaction?

2 thoughts on “Single Or Regular Premium For Life Insurance?”

create a binance account
July 21, 2024 at 10:10 pm

Thank you for your sharing. I am worried that I lack creative ideas. It is your article that makes me full of hope. Thank you. But, I have a question, can you help me?
Enregistrement
May 8, 2025 at 6:18 pm

Thank you for your sharing. I am worried that I lack creative ideas. It is your article that makes me full of hope. Thank you. But, I have a question, can you help me?

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Tools & Calculators

Buy Right Life Insurance

Death of the main bread winner of the family can be emotionally and financially traumatic for the dependents. If you

Buy Right Life Insurance

September 6, 2023
1:10 pm

Death of the main bread winner of the family can be emotionally and financially traumatic for the dependents. If you have the right life insurance the financial part can be taken care to an extent. Here are 9 things you should think through before you buy the right life insurance.

[dropcap]1[/dropcap] How much life insurance you need?

The first thing is to evaluate how much life insurance you need. There are multiple methods to compute that but roughly speaking the figure varies from 10 to 12 time your annual income plus any liabilities minus any assets (excluding your home). If you have no financial dependent, you need no life insurance. The insurance quantum would also change if your dependent has income of his own. You should ideally compute this figure every year to see if you are adequately covered.

[dropcap]2[/dropcap] Pure Term insurance is the BEST

When you think of life insurance there are term insurance products and insurance-cum-investment like ULIPs (unit linked insurance plans), endowment or whole life policies. Keep away from insurance-cum-investment products.

You should stick to pure term insurance – which means there is no return if no death. Insurance companies’ also classifies return of premium products as term insurance where the premium paid is partially or fully returned in case of No Death. Stay away from such variations as these are expensive plans and many times their tenure is limited. For e.g. Aegon offers term insurance up to 55 years tenure but return of premium option only for 20 years tenure.

Premium Comparison for 30 Year aged, Non Smoking Healthy Male for 1 crore for 20 years tenure

Aegon Life iReturn Insurance Plan – Rs 1977/month (return of premium plan)
Aegon Life iTerm Insurance Plan – Rs 480/month

As you can see the Return of premium plan is almost 4 times expensive which might prevent you to take right life insurance.

[dropcap]3[/dropcap] Online or Offline Insurance?

Almost all life insurance companies offer term plans offline and online. You should buy insurance online from the company’s website only as it’s almost 40% cheaper than the offline counterpart. Offline term plans have agent commission built into it and hence are expensive. While buying online buy through company website only and not through web aggregators or online re-sellers. The other advantage of online plans are lesser chances of error or omission as it’s filled by you. Buy offline only if you are not internet savvy!

Tips to Buy the Right Life Insurance

[dropcap]4[/dropcap] Single or Regular Premium?

Many insurance companies give upfront discount for single premium payment versus the regular annual payment. We recommend to for regular mode because:

Single premium ties you up to the insurance plan till maturity. In the last few years the insurance premium has gone down. Had you been tied to a single plan you could not switch to new plans which might be cheaper in future.
If death occurs right after buying policy, the premium paid is much higher in case of single payment. There is no provision of pro-rated refund.

If you bring in account the time value of money the single premium is not as discounted as you think. Here is a comparison

Aegon Life iTerm Insurance Plan for 30 Year aged, Non Smoking Healthy Male for 1 crore for 30 years tenure

Regular Premium – Rs 7,306/year
Single premium – Rs 1,53,431

If you keep single premium amount of Rs 1.5 lakhs in an Fixed Deposit with interest rate of 7%, you would earn annual interest of Rs 10,750 which is more than the regular annual premium required! So it makes no sense to pay single premium!

[dropcap]5[/dropcap] Lump sum or Installment payout?

Insurance companies are known to innovate and recently they started promoting installment (monthly) payout on death of policyholder. The justification given is it helps family members who may not be financially savvy to handle such large amount at a time can lead to financial disaster. This might be true for financially illiterate but you should not opt for the same if you know the dependent is capable of managing the money. This is mainly because the installment payment plans are comparatively expensive. You might also want to write it down for the family on how to best use the funds.

[dropcap]6[/dropcap] Avoid Over-insurance

It’s a known fact that insurance premium increases with increase in age so it might seem a good idea to buy higher insurance cover than required. But the increase in premium is offset by the decrease in tenure. Here is an example – if you buy 1 crore insurance at the age of 25 years for 35 years the premium would be Rs 481/month and if you buy same 1 crore insurance at the age of 35 years for 25 years the premium would be Rs 701/month.

25 Year, Non Smoking Healthy Male for 1 crore for 35 years – 481 = 481 X 12 X 35 = 2,02,020
35 Year, Non Smoking Healthy Male for 1 crore for 25 years – 701 = 701 X 12 X 25 = 2,10,300

As you can see the total outgo does not change much. So you can add insurance as required. Also some insurance companies may deny higher insurance cover.

However you should buy extra insurance if your family does not have a good health history as bad health could make insurance cover expensive or even be denied in extreme cases.

[dropcap]7[/dropcap] Go for Maximum Tenure

Insurance companies are now offering plans with term up to 55 years. This is a good thing for policy holders. Ideally insurance cover maters till retirement but in case you have some liabilities after that the enhanced term can help.

The difference in low vs high tenure premium is not high and so it makes sense to opt for higher term. You can discontinue the policy mid way if you do not need it further.

Aegon Life iTerm Insurance Plan for 25 Year aged, Non Smoking Healthy Male for 1 crore for following tenure

30 years – 453/month
35 years – 481/month
40 Years – 495/month
45 Years – 508/month
50 Years – 535/month
55 years – 618/month

[dropcap]8[/dropcap] One or Split in Multiple Policies?

If you need large life cover should you opt for one policy or split it into multiple smaller policies? To start with you should opt for one policy as you get significant savings in premium. For e.g. The premium for Aegon Life iTerm Insurance Plan for 30 Year aged, Non Smoking Healthy Male for 30 years tenure is as follows:

Rs 1 crore insurance – Rs 553/month
Rs 2 crore insurance – Rs 1016/month

So if you split 2 crore policy in two Rs 1 crore policies the monthly premium would be Rs 1106 (553*2) which is 9% higher than single policy.

However you might need to buy separate policies as your liabilities go up – which can be discontinued as these goals are accomplished.

The belief that high value insurance has more scrutiny and higher chances of denial is not true. The claim can be rejected if the declaration provided at the time of buying insurance was false. Also every time you buy insurance you need to declare all the earlier insurance with you. So if one policy is denied chances are all would be and vice versa.

[dropcap]9[/dropcap] Riders or No Riders?

The life insurance products comes with a lot of riders like accidental death, critical illness, etc. The question is should you opt for them?

We do not encourage to opt for riders as they are not comprehensive. As in case of Aegon Life iTerm Insurance Plan the critical illness covers only 4 illness. If you check critical illness plan from other general insurance companies the coverage is for 30+ illness – which is more comprehensive.

Also you can buy Personal Accident Insurance from any general insurance company which offers more comprehensive and wider coverage.

The other problem is as the riders are linked to the life insurance, you would loose them if you plan to change your life insurance in future.

Some more Pointers:

You might not get the insurance amount you are looking for as all companies have a cap depending on your annual income. Over-insurance raises red flag for insurance companies as it can lead to fraud.
With a recent amendment insurers cannot reject claims after three years of policy purchase citing discrepancies in declaration.
Early death claims (within 3 years of insurance purchase) are subjected to higher scrutiny for veracity from insurer.
When buying life insurance, the country of present residence and current occupation matter. After you buy life insurance, change of country or location does not have impact on the existing policy.
Term plan covers include death due to terrorist attacks or natural calamities.
In case of suicide within 12 months of purchase/revival of policy, depends would not get the insured amount. Most companies would refund the premium received.

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How India Tax Investments In 2021 ★ 23 Most Common Investments Explained

Taxation plays a very important role in the returns generated by your investment and so you should know how India

How India Tax Investments In 2021 ★ 23 Most Common Investments Explained

September 6, 2023
1:10 pm

Taxation plays a very important role in the returns generated by your investment and so you should know how India tax investments before you choose one. We list down the most common investments and how they are taxed?

Fixed Income/Debt Investments

Saving Bank Account

Interest earned in Saving bank account up to Rs 10,000 is exempted from tax u/s 80TTA. Any interest more than Rs 10,000 is added to your income and taxed at income tax slab rates.
Senior citizen can claim tax exemption up to Rs 50,000 on interest income from bank/ post office fixed deposit, recurring deposit or savings account up to Rs 50,000 u/s 80TTB (applicable from April 1, 2018)
There is NO TDS on interest earned on saving bank account.
This is also applicable for Post Office Savings Account.

Bank Fixed Deposits

Bank Recurring Deposits

Budget 2015 made the tax and TDS structure for Recurring Deposit same as Fixed Deposit.
Earlier no TDS was deducted for RD deposits.

Company Fixed/Recurring Deposit

The entire interest earned is added to the income and taxed according to the income tax slab rates.
TDS of 10% is deducted if the annual interest exceeds Rs 5,000.

NCDs/ Bonds

The interest earned on bonds/NCDs is fully taxable as per income tax slab rate.
TDS of 10% is deducted if the annual interest paid exceeds Rs 5,000. However, there is NO TDS if the bond/NCD is held in Demat form.

Capital Gains Tax on Bonds:

In case the bond/NCD is sold through exchange before maturity, it entails capital gains. If the holding period is less than 1 year, it is Short Term Capital Gains and taxed according to income tax slab.
For holding period of more than 1 year, the gains are Long Term Capital Gains and are taxed at flat rate of 10%. There is no indexation benefit available.

Learn All about NCDs

NCDs or non-convertible debentures or more popularly known as Bonds are a bit complex investment products. You must understand the product, risk involved, the taxation on interest received and when you sale it. We have done a separate post regarding this titled – Know all about NCDs.

Also you can keep track of upcoming NCD issues here.

How India Tax Investments – Tax on Debt Investments

Tax Free Bonds

As the name suggests the interest earned on tax free bonds is tax free.
But if tax free bonds are sold before maturity, it leads to capital gains.
Investment for less than 1 Year -> Short Term Capital Gains -> taxed according to income tax slab
Investment for more than 1 Year -> Long Term Capital Gains -> flat rate of 10% (no indexation benefit)

Tax Investments – Small Saving Schemes

Post Office Saving Account

Interest up to Rs 3,500 for single holder account and up to Rs 7,000 for joint account in Post Office Saving Account is tax free u/s 10(15)(i). The remainder interest will get added to your income and will be taxed at the applicable rate of income-tax.
There is NO TDS on Post Office Saving Account.
Also this exemption is over and above tax exemption offered by 80TTA.

Example: You have Rs 9,000 interest from Bank account and Rs 5,000 from Post Office Saving Account; you can claim Rs 3,500 tax exemption u/s 10(15)(i) for post office account and Rs 9,000 for bank account & Rs 1,000 for Post office account (total – Rs 10,000) u/s 80TTA separately.

PPF (Public Provident Fund)

The interest received is tax free

Senior Citizen Saving Scheme

The interest received is added to income and taxed at marginal income tax rates.

NSC/KVP

The interest received is added to income and taxed at marginal income tax rates.
There is NO TDS.

Sukanya Samriddhi Account + PPF + SCSS Calculator

Sukanya Samriddhi Account, PPF, Senior Citizens’ Savings Scheme are part of small saving scheme sponsored by Government of India. These schemes are quite popular and rightly so because of the safety, higher interest rate offered among other things. We have built calculator for each of them where you can check the maturity amount, loan eligibility, partial withdrawal and more. Click on the links to get the relevant calculator – PPF Calculator, Sukanya Samriddhi Yojana Calculator, Senior Citizens’ Savings Scheme Calculator, NSC Calculator.

Tax Investments – Retirement Plans

NPS

40% of corpus should be used to buy annuity. The monthly pay out received is fully taxable.
Remaining 60% of the maturity corpus is tax free (effective April 1, 2019)

Pension Plans

1/3 of pension maturity amount can be commuted (withdrawn in lumpsum) and is tax free
The rest 2/3 amount should be used to buy annuity. The monthly pay out received from annuity is fully taxable

EPF (Employee Provident Fund)

Maturity amount received form EPF is fully tax free if you have continuous service of more than 5 years.
In case the service period is less than 5 years, the amount is taxable as per income tax slab rates.
TDS at 10% is deducted for premature and taxable withdrawal of funds from EPS, if the payment is more than Rs 50,000.
In case the PAN information is not furnished the TDS would be deducted as 20%.

How much Taxes you Need to Pay this Year? Download Our Income Tax Calculator to Know your Numbers

Do you know how much tax you need to pay for the year? Have you taken benefit of all tax saving rules and investments? Should you use the “NEW” tax regime or continue with the old one? In case you have all these questions just Download the Free Excel Income Tax Calculator for FY 2021-22 (AY 2022-23) and get your answers.

Tax Investments – Mutual Funds

For tax purpose Mutual Funds are of two types:

Equity Mutual Fund and
Non-Equity Mutual Fund.

Any scheme which has more than 65% invested in equities is treated as Equity Mutual Fund.

Equity Mutual Fund/Equity Oriented Balanced Fund/Arbitrage Fund

If the investment is held for more than 1 year, the gains are classified as Long Term Capital Gains and are taxed at 10.4% (changed in Budget 2018 and effective from April 1, 2018).
In case the investment duration is for less than 1 year, the gains are Short Term Capital Gains which are taxed at the rate of 15.6%.
Dividends are taxed at the income tax slab rate

Debt Mutual Fund/ Balanced Fund/MIP/ Gold Fund/ International FoF

If the investment is held for more than 3 years the gains are classified as Long Term Capital Gains and are taxed at 20% after indexation.
Short Term Capital Gains are added to the income and taxed at marginal tax rates.
Dividends are taxed at the income tax slab rate

How Tax on Mutual Funds Impact your Returns in FY 2021-22?

Equity Mutual Funds are one of the best investments to generate wealth in the long run while Debt mutual funds are more suited to park money for the short term (as an alternative to fixed deposits). But as in case of any investment, the final returns are determined on the way these Mutual Funds are taxed. We discusses tax on mutual funds for FY 2021-22 [AY 2022-23] in all details.

Equity

If the investment is held for more than 1 year, the gains are classified as Long Term Capital Gains and are taxed at 10.4% (changed in Budget 2018 and effective from April 1, 2018).
In case the investment duration is for less than 1 year, the gains are Short Term Capital Gains which are taxed at the rate of 15.6%.
Dividends are taxed at the income tax slab rate

Tax Investments – Gold

Gold Jewelry/ Bullion/ Physical Gold

If the investment is held for more than 3 years the gains are classified as Long Term Capital Gains and are taxed at 20% after indexation.
Short Term Capital Gains are added to the income and taxed at marginal tax rates.

Sovereign Gold Bonds

Interest received on sovereign gold bonds is taxed at income tax marginal rates applicable to you
If bonds are held till maturity, the capital gains are tax free
If the investment is held for more than 3 years but before sold maturity the gains are classified as Long Term Capital Gains and are taxed at 20% after indexation.Short Term Capital Gains are added to the income and taxed at marginal tax rates.

How India Tax Investments - Tax on Gold and Real Estate — How India Tax Investments – Tax on Gold and Real Estate

Gold Monetization Scheme

The interest received is tax free.
Also there is No Capital Gains Tax on the appreciation in the value of gold deposited.

Tax Investments – Life Insurance

Endowment/Money back Policies

The final proceeds are tax free if the premium paid for all the years are less than 10% of the maturity amount.
Surrender amount exempt from tax after 3 years
TDS at 2% if the total receipts exceed Rs 1 Lakh.
Service tax is applicable on premiums paid.

ULIPs

The maturity amount is tax free if the premium paid is less than Rs 2.5 lakhs every year
However if the premium paid is more than Rs 2.5 lakhs per year, its taxed the same way as equity mutual funds [Budget 2021]
Surrender amount, early partial withdrawals exempt from tax after 5 years
TDS at 2% if the total receipts exceed Rs 1 Lakh.

Tax Investments – Real Estate

Rental Income

A standard deduction of 30% is allowed on rental income. Thereafter the rent received is taxed at income tax slabs applicable to you.
You can also claim deduction for interest paid on home loan. ~~There is no limit of interest deduction for rented home.~~ Budget 2017 has limited the deduction to Rs 2 lakhs irrespective of property being rented or self-occupied.
Additional deduction can be availed for repairs, home insurance, property tax, etc.

Sell/Purchase of Property

The gains are long term capital gains if the property is held for more than 2 years [Budget 2017 brought the holding time to 2 years]. In this case it’s taxed at 20% after indexation benefit.
Tax payers can now buy two houses on sale of 1 house if the capital gains are less than Rs 2 crore. This benefit can be availed only once in lifetime. (proposed in Budget 2019)
Short term capital gains is taxed at marginal tax rate applicable to you.

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The Cruciality of Resonance Control Apparatus in Machines
In production sites, equipment along with turning systems act as the foundation of production. Nonetheless, one of the highly widespread issues that might impede the efficiency along with durability is vibrations. Resonance can result in a array of complications, ranging from reduced perfection and effectiveness leading to elevated damage, eventually leading to pricey downtime as well as restoration. This is where vibration management apparatus is critical.

Why Vibration Control remains Necessary

Vibration in industrial equipment can bring about multiple negative impacts:

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Heightened Erosion: Persistent vibrations accelerates the deterioration of mechanical parts, causing more frequent servicing as well as an potential for unanticipated unexpected failures. Such a situation not only raises operational costs as well as limits the durability of your machinery.

Security Hazards: Unmanaged vibrations might present considerable safety risks for both the machinery as well as the personnel. In, serious conditions, such vibrations might lead to disastrous machinery failure, endangering workers along with leading to extensive destruction to the facility.

Exactness along with Manufacturing Quality Challenges: Within industries that rely on precise production, including industrial sectors or aviation, vibration may bring about flaws in the manufacturing process, leading to flawed products and increased waste.

Economical Solutions towards Vibration Management

Putting money into resonance control tools is not merely a necessity but a smart decision for any organization dependent on mechanical systems. The offered state-of-the-art vibration management systems are designed to designed to mitigate oscillation in any equipment as well as rotating equipment, ensuring seamless and efficient operations.

One thing that sets our apparatus above the rest is its affordability. It is recognized that the value of affordability inside the modern competitive marketplace, which is why we offer high-quality vibration management solutions at prices that are reasonable.

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Conclusion

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The Importance of Resonance Control Tools in Machinery
In manufacturing contexts, equipment and spinning systems constitute the support of production. Yet, one of the most widespread challenges which can affect its operation and lifetime is oscillation. Resonance may result in a variety of issues, such as decreased precision along with effectiveness resulting in greater deterioration, finally causing expensive delays and fixes. This scenario is the point where vibration regulation equipment becomes critical.

Why Vibration Management is Critical

Oscillation in equipment may result in various detrimental consequences:

Reduced Production Effectiveness: Excessive oscillation might lead to misalignments and instability, decreasing the effectiveness of such equipment. This can cause slower manufacturing speed along with higher energy use.

Greater Damage: Continuous resonance speeds up the deterioration of machinery parts, causing more regular upkeep and the risk of unexpected unexpected issues. Such a situation does not just elevates production expenses as well as decreases the longevity for the machinery.

Safety Hazards: Unmanaged vibrations may present major safety concerns both to both the machines as well as the operators. In, serious conditions, such vibrations might cause cataclysmic equipment breakdown, endangering workers along with bringing about significant destruction across the site.

Accuracy along with Quality Problems: In fields that demand precise production, for example production or space industry, vibrations can lead to discrepancies in production, leading to defects as well as increased waste.

Economical Solutions towards Oscillation Control

Investing into vibration management tools proves not just essential but a sound investment for any organization that uses machinery. The offered state-of-the-art vibration management systems are designed to engineered to remove vibrations in any machinery as well as rotating machinery, providing uninterrupted as well as effective performance.

One thing that sets these tools apart is its cost-effectiveness. We know the necessity of keeping costs low in the modern competitive marketplace, thus we offer high-quality vibration management solutions at costs that are reasonable.

Through selecting our offerings, you are not just preserving your machinery along with improving its productivity but also putting investment in the long-term achievement of your operations.

Conclusion

Resonance mitigation proves to be an essential aspect in ensuring the operational performance, protection, as well as lifespan of your machines. Using our cost-effective oscillation control systems, it is possible to make sure your production function efficiently, all goods maintain top quality, and your workers remain safe. Don’t permit resonance affect your business—make an investment in the appropriate systems now.
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Dicho rotativo de estabilizacion con compartimento de embrague representa un procedimiento esencial con el fin de asegurar el operacion optimo del unidad y la transmision de un camion. El desajuste en dicha componente tiende a generar vibraciones, sonido, uso prematuro de los elementos e llegando a fallas. Historicamente, el equilibrado se llevaba a cabo luego de retirar el girador del propulsor, aunque las tecnologias modernas permiten efectuar este metodo de forma directa en el automotor, lo que esto disminuye plazo y costos.

Como se define el Desbalance?

El desajuste constituye una estado en la donde la volumen de un elemento giratorio (en este particular caso, el volante de estabilizacion con canasto de embrague) se ubica de forma irregular en comparacion a su punto de rotacion de revolucion. Lo cual causa fuerzas centrifugas que a su vez causan sacudidas.

Principales causas del Desequilibrio del Volador de Nivelacion con Cesta de Embrague:

Desviaciones de produccion y ensamblaje: Aun leves desviaciones en la diseno de los partes llegan a generar falta de equilibrio.
Envejecimiento y desperfectos: El funcionamiento prolongado, el altas temperaturas y los fallas mecanicas pueden afectar la cantidad y dar lugar en desequilibrio.
Montaje o arreglo inapropiada: Una instalacion deficiente de la recipiente de embrague o arreglos inapropiados de igual manera tienden a provocar falta de equilibrio.
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El girador de estabilizacion con compartimento de embrague constituye un sistema critico con el fin de verificar el desempeno excelente del unidad y la transferencia de un transporte. El desajuste en la mencionada pieza puede provocar vibraciones, ruido, deterioro rapido de los partes e llegando a averias. En el pasado, el estabilizacion se efectuaba luego de quitar el girador del unidad, no obstante las avances tecnologicos modernas posibilitan realizar este metodo de manera directa en el carro, esto que minimiza duracion y presupuesto.

Cual es el Desajuste?

El falta de equilibrio representa una estado en la en la que la peso de un pieza giratoria (en el presente supuesto, el rotativo de balanceo con canasto de embrague) se localiza de forma irregular respecto a su eje de revolucion. Esto genera esfuerzos centrifugos que en consecuencia causan oscilaciones.

Causas principales del Desajuste del Rotativo de Nivelacion con Compartimento de Embrague:

Imprecisiones de produccion y union: Incluso minimas desviaciones en la geometria de los elementos llegan a originar desequilibrio.
Uso y averias: El tiempo de uso, el sobrecalentamiento y los fallas mecanicas pueden modificar la volumen y provocar en desequilibrio.
Montaje o arreglo incorrecta: Una instalacion deficiente de la cesta de embrague o reparaciones incorrectos asimismo tienden a provocar desequilibrio.
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AT99娛樂城以高品質的遊戲體驗和優秀的客戶服務聞名。該平台提供各種老虎機和真人遊戲，並定期推出新遊戲，讓玩家保持新鮮感。

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BCR娛樂城是一個新興的平台，專注於提供豐富的體育賽事投注選項。無論是足球、籃球還是其他體育賽事，BCR都能為玩家提供即時的投注體驗。

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娛樂城排行
娛樂城推薦與優惠詳解

在現今的娛樂世界中，線上娛樂城已成為眾多玩家的首選。無論是喜歡真人遊戲、老虎機還是體育賽事，每個玩家都能在娛樂城中找到自己的樂趣。以下是一些熱門的娛樂城及其優惠活動，幫助您在選擇娛樂平台時做出明智的決定。

各大熱門娛樂城介紹
1. 富遊娛樂城
富遊娛樂城以其豐富的遊戲選擇和慷慨的優惠活動吸引了大量玩家。新會員只需註冊即可免費獲得體驗金 $168，無需儲值即可輕鬆試玩。此外，富遊娛樂城還提供首存禮金 100% 獎勵，最高可領取 $1000。

2. AT99娛樂城
AT99娛樂城以高品質的遊戲體驗和優秀的客戶服務聞名。該平台提供各種老虎機和真人遊戲，並定期推出新遊戲，讓玩家保持新鮮感。

3. BCR娛樂城
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熱門遊戲推薦
WM真人視訊百家樂
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戰神賽特老虎機
戰神賽特老虎機以其獨特的主題和豐富的獎勵機制，成為老虎機愛好者的最愛。該遊戲結合了古代戰神的故事背景，讓玩家在遊戲過程中感受到無窮的樂趣。

最新優惠活動
富遊娛樂城註冊送體驗金
富遊娛樂城新會員獨享 $168 體驗金，無需儲值即可享受全場遊戲，讓您無壓力地體驗不同遊戲的魅力。

VIP 日日返水無上限
富遊娛樂城為 VIP 會員提供無上限的返水優惠，最高可達 0.7%。此活動讓玩家在遊戲的同時，還能享受額外的回饋。

結論
選擇合適的娛樂城不僅能為您的遊戲體驗增色不少，還能通過各種優惠活動獲得更多的利益。無論是新會員還是資深玩家，都能在這些推薦的娛樂城中找到適合自己的遊戲和活動。立即註冊並體驗這些優質娛樂平台，享受無限的遊戲樂趣！
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Пеларгонии сортовые
Пеларгонии элитные: прекрасный решение для своего дома и огорода

Если ты подбираете растения, что станут радовать тебя их внешним видом и благоуханием, вместе с тем не запрашивая трудного присмотра, сортовые пеларгонии — лучший выбор. Этих цветы имеют исключительными достоинствами, что делают их лидерами в категории декоративных растений.

Почему элитные пеларгонии?

Легкость и легкость в содержании
Пеларгонии не запрашивают особых факторов для роста и легко адаптируются к различным климатам. Они идеально процветают как в жилище, так и на улице. Забудьте о проблемных цветах — пеларгонии хватает поливать по степени обезвоживания земли и получать удовольствие от их процветанием.

Насыщенные и многообразные оттенки
Определенный разновидность гераней обладает свои исключительные тона и формы. Разновидности, например как, ТА Монако, поражают насыщенными цветами и эффектными соцветиями. Это растения, которые мгновенно притягивают интерес и создают яркие подчеркивания в каждом пространстве.

Легкий запах, приносящий атмосферу
Пеларгонии не только облагораживают дом — они снабжают его приятным, легким запахом. Этот природный запах обеспечивает создать атмосферу спокойствия и уюта, а вдобавок работает как естественный репеллент для вредителей.

Длительное цветение
Сортовые герани не прекращают восхищать взоры своим цветением в течение многих месяцев. Ты будешь наслаждаться их красотой с старта теплого периода и до холодов периода. Такое продолжительное период цветения — редкое качество среди украшающих цветов.

Лучший решение для различного места
Герани универсальны — их можно содержать как в горшках на оконных рамах, так и в огороде. Небольшие растения, такие как ЮВ Кардинал, прекрасно выглядят в украшенных кашпо, а разновидности, как Магнус, станут декорацией цветника.

Для чего следует выбрать именно герани?
Этих цветы — не просто декоративный элемент декора. Они выгодно превосходят по сравнению с других цветов благодаря своей простоте, эстетичности и длительному цветению. Их насыщенные оттенки создают особенную среду, будь то в доме или на открытой территории. Герани — это идеальный сочетание внешнего вида и практичности.

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RGBET – Lựa Chọn Hàng Đầu Trong Thế Giới Cá Cược Trực Tuyến

Trong bối cảnh ngành công nghiệp cá cược trực tuyến đang phát triển mạnh mẽ, việc tìm kiếm một nhà cái uy tín là điều vô cùng quan trọng đối với những người đam mê cá cược. Giữa vô vàn sự lựa chọn, RGBET đã nhanh chóng nổi lên như một trong những nhà cái hàng đầu, mang đến trải nghiệm cá cược an toàn, công bằng và đầy thú vị cho người chơi.

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Dịch Vụ Chăm Sóc Khách Hàng Tận Tình
Một trong những yếu tố giúp RGBET nổi bật là dịch vụ chăm sóc khách hàng chuyên nghiệp và tận tình. Hỗ trợ 24/7, RGBET luôn sẵn sàng giải đáp mọi thắc mắc và xử lý vấn đề của người chơi một cách nhanh chóng. Đội ngũ hỗ trợ được đào tạo bài bản, luôn lắng nghe và hỗ trợ người chơi với sự tận tâm cao nhất.

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An Toàn và Bảo Mật
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Nhiều Ưu Đãi Hấp Dẫn
Không chỉ vậy, RGBET còn thường xuyên tung ra các chương trình khuyến mãi hấp dẫn dành cho người chơi mới lẫn người chơi lâu năm. Những ưu đãi này giúp tăng thêm giá trị cho mỗi lần đặt cược và mang đến nhiều cơ hội thắng lớn.

Vì Sao Bạn Nên Chọn RGBET?
Uy tín hàng đầu: RGBET đã khẳng định vị thế của mình trong thế giới cá cược trực tuyến.
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GST On Life Insurance Policies

Not many people are aware that while buying insurance policies they need to pay GST (Good & Service Tax) along

GST On Life Insurance Policies

September 6, 2023
1:09 pm

Not many people are aware that while buying insurance policies they need to pay GST (Good & Service Tax) along with the premium. As with most of our taxation, GST on life insurance premium is a bit complex and depends on type of policy bought.

The post tells you what rate of GST is applicable on different life insurance policies.

Term Plan – The GST on term plan insurance is 18%. If the premium is Rs 10,000 you need to pay additional 18% i.e. Rs 1,800 as GST. The 18% GST is also applicable on the premium paid on any associated riders.

ULIPs (unit-linked insurance plans) – The GST rate for ULIPs is also 18% but its not applicable on entire premium. This GST rate is applicable on all the expenses associated with ULIPs like fund management charge, Mortality premium, etc.

GST on Life Insurance Policies

Traditional Policies like endowment plans – The GST rate is 4.5% for the first year’s premium and 2.25% on all subsequent year’s premium. If you pay a premium of Rs 10,000 on your endowment plan you pay Rs 450 GST in first year and Rs 225 in all subsequent years.

Insurance Pension Plans or Annuities where you invest a lumpsum and get monthly/quarterly or annual payouts the applicable GST rate is 1.8%. In case you buy an annuity for Rs 10 Lakh, you pay a tax of Rs 18,000.

The above GST rates on life insurance premiums would help you plan better.

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Tax On Surrender/Maturity Of ULIP & Life Insurance Policy

Insurance & Pension Products have been most miss-sold financial product in last few years. Most buyers are lured into it

Tax On Surrender/Maturity Of ULIP & Life Insurance Policy

September 6, 2023
12:56 pm

Insurance & Pension Products have been most miss-sold financial product in last few years. Most buyers are lured into it in the name of good returns, added life insurance along with tax savings. After a few months/years the policy holder realizes that he has been sold a dud product and the only way to get rid of it is to surrender or make it paid-up policy. In this post we tell you what would be tax implication on surrendering a life insurance policy and pension plans.

Tax on surrender of Life Insurance Policy or ULIP:

There can be two tax implications on surrendering of life insurance policy or ULIPs

The surrender value may be taxable &
The tax benefit on premiums paid in earlier years under section 80C can be reversed

We explain the conditions for above points so that you can decide accordingly and lessen your tax burden.

The surrender receipts are tax free if following conditions are fulfilled:

Policies issued before March 31, 2003
Policies issued between April 1, 2003 and March 31, 2012 and the sum assured is more than 5 times of annual premium paid
Policies issued after April 1, 2012 and the sum assured is more than 10 times of annual premium paid

As a special case for life insurance of the disabled and those suffering from ailments, the annual premium can be less than 15% of the sum assured – i.e. – Sum assured should be greater than 6.67 times the annual premium. This change was made in Budget 2013.

Additionally the tax benefit on premiums paid in earlier years under section 80C can be reversed if

In case single premium policy has not been held for at least two years
In case of traditional policies like endowment & money back haven’t paid at least 2 years premium or
atleast 5 years premium in case of ULIPs (unit linked insurance plan) is not paid

If policy is surrendered before the lock-in period, the surrender value would be paid after the lock-in period after deduction of applicable surrender charges.

Tax on Maturity of Life Insurance Policy or ULIP

The maturity value of Life Insurance Policy or ULIP is tax free if following conditions are fulfilled:

Policies issued before March 31, 2003
Policies issued between April 1, 2003 and March 31, 2012 and the sum assured is more than 5 times of annual premium paid
Policies issued after April 1, 2012 and the sum assured is more than 10 times of annual premium paid

Tax on Proceeds of Life Insurance Policy or ULIP on Death

The proceeds received from life insurance policy or ULIP on death of policyholder to their nominee is tax free under Section 10(10D).

How are Life Insurance and Pension Policies Taxed on Surrender and Maturity?

Tax on Pension Plans/ ULPP:

Pension Plans and ULPP (Unit Linked Pension Plan) have adverse taxation at the time of surrender and maturity. The details are shown below:

Tax on Surrender of Pension policy or ULPP

The surrender value received on account of a Pension policy or ULPP is fully taxable.

Tax on Maturity of Pension policy or ULPP

Policyholder has the option to withdraw 1/3 of maturity amount as lump-sum and is tax free under section 10(10D). The rest 2/3 of corpus has to be used to buy annuity. Annuity income is fully taxable at applicable income tax slabs.

Tax on Proceeds of Pension policy or ULPP on Death

The proceeds received from life insurance policy or ULIP on death of policyholder to their nominee is tax free under Section 10(10D).

TDS on Life Insurance Policy and Pension Plans:

Budget 2014 (under new section 194DA) allowed deduction of 2% of the full surrender/maturity value in case the tax exemption under Section 10(10D) was not applicable and the value is more than Rs 1 Lakh. Budget 2016 reduced the TDS amount to 1% of the surrender/maturity value.

Budget 2015 has introduced the facility to fill Form 15G/15H in case your annual income is less than the minimum taxable limit and you don’t want TDS deducted on Life Insurance maturity payment. This would be effective from June 1, 2015.

Life Insurance Policy and Pension Plans in Income Tax Return?

In case the maturity/surrender value is tax free, you should mention the same in exempted income. In case the maturity/surrender value is taxable mention it in “Income from other sources” and pay tax on total maturity/surrender amount (without deduction of premium paid) received.

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Death Benefit:

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5 Steps To Link Aadhaar To LIC Policies Online

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Making Sense Of Tax Benefit On Health Insurance – 80D Section Of Income Tax

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How much Tax Benefit I get on Health Insurance?

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