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Komal Jeevan
LIC Komal Jeevan(Table No.159) is the best money back policy of childrens with guaranteed additions that provides financial protection against death during the term of plan with periodic payments on survival at specified durations. Komal Jeevan can be purchased by any of the parent or grand parent for a child aged between 0 year to 10 years. The payment of the premium stops at the age of 18 years.

Every parent has big dream to provide best education for their son/daughter in today's competitive world and Komal Jeevan gives your children the financialy freedom to make their dreams come true.

Survival Benefits: The policy matures when the child grows up to be 26. Once the child attains majority, the survival benefit is paid in four installments.
      20% on policy anniversary after completing age 18.
      20% on policy anniversary after completing age 20.
      30% on policy anniversary after completing age 22.
      30% on policy anniversary after completing age 24.

Maturity Benefit: Guaranteed addition + Loyalty Addition on completing age at 26.

Guaranteed additions: The Guaranteed Additions at Rs 75 per Rs 1,000 sum assured are payable at the end of the term of the policy or earlier death of the Life Assured.

Death Benefits:
  • (i) In case of death of life assured before the commencement of risk, the policy is canceled and premiums paid are refunded.
  • ii) After the commencement of risk, if the life assured dies before policy matures, full sum assured plus guaranteed additions are payable without deduction of earlier installment .
*The risk commences only after the child attains age seven or two years after the commencement of the policy, whichever is later.

*(Premium Waiver Benefit & Term Rider Benefit both optiones are available with paying some extra premium amount.)

Cooling off period: If you are not satisfied with the “Terms and Conditions” of the policy, you may return the policy to Life Insurance Corporation Of India within 15 days.

Eligibility criteria in Komal Jeevan Policy:
  Minimum Maximum
Sum Assured (in Rs.) 1,00,000 25,00,000
Policy Term (in years) 18 years – Child’s Age at Entry
Premium Payment Term (in years) 8 18
Entry Age of Life Insured (Child) 0 10
Age at Maturity - 26
Single premium (in Rs.) NA
Payment modes Single, Yearly, Half-yearly, Quarterly, Monthly or SSS


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