Review of LIC Dhan Varsha

One of the best LIC Plans. I am fully satisfied with the terms & conditions of the plan. LIC Dhan Varsha perfectly blends with my insurance needs and is affordable as well. 5 stars to this amazing plan.Mrs. Jahnvi Singh 

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We are rated~
rating
6.7 Crore
Registered Consumers
51
Insurance Partners
3.4 Crore
Policies Sold

Mrs. Jahnvi bought the LIC Dhan Varsha plan in the month of November. She was looking for a plan wherein she can secure the future of her family after her demise, and offer them financial stability. After much consideration, and doing her research, she realized that LIC Dhan Varsha is an ideal plan for her.

LIC Dhan Varsha is a single premium plan that provides life protection as well as allows the policyholder to avail of the advantages of a savings plan. By paying the premiums for a single plan, a policyholder can ensure dual benefits for their loved ones.

Let us explore more about the LIC Dhan Varsha that convinced Mrs. Jahnvi to purchase this plan:

Benefits of LIC Dhan Varsha

  1. Death Benefit

    If the policyholder dies during the policy term, the nominee will receive the Sum assured on Death along with guaranteed additions. The amount of the Sum Assured on Death will depend on the option chosen by the policyholder:

    • Option 1: 1.25 times the premium amount charged against the basic sum assured

    • Option 2: 10 times the premium amount charged against the basic sum assured

  2. Maturity Benefit

    In case the policyholder survives till the end of the policy term, he/she will be eligible to receive maturity benefits. The maturity benefit paid under the plan will be Basic Sum Assured along with accrued Guaranteed Additions.

  3. Guaranteed Additions

    Depending on the chosen policy term, option and sum assured, a certain amount will accumulate at the end of each policy year. The total sum will be added to the maturity or death benefit.

  4. Riders for enhanced protection

    LIC Dhan Varsha allows the policyholder to enhance their protection by providing them with two rider options:

    • LIC’s Accidental Death and Disability Benefit Rider

    • LIC’s New Term Assurance Rider

  5. Option to take Death & Maturity Benefit in Installments

    Under this option, the policyholder has the option to receive Death or Maturity Benefit in installments over a period of 5 years instead of lump sum amount under the policy.

  6. Policy Loan Facility

     The policyholders can apply for a policy loan at any point of the policy term after the completion of 3 months from the day of policy purchase. 

  7. Tax Benefits

    Premiums paid for LIC Dhan Varsha plan are eligible for tax deductions under the Income Tax Act.


Summing it up

Not just Mrs. Jahnvi, but the other customers who have bought LIC Dhan Varsha Plan have given 10 on 10 to the plan. The plan’s ability to secure the financial future of your loved ones as well as offer you the benefit of savings makes it one of the ideal LIC plans.

FAQ's

  • Q: What is the LIC Dhan Varsha Plan?

    Ans: LIC Dhan Varsha is a single premium plan wherein a policyholder needs to pay the premium in a single payment mode.
  • Q: Does LIC Dhan Varsha offer any inbuilt riders?

    Ans: No, LIC Dhan Varsha does not offer any in-built riders. To avail of additional coverage, you need to pay an additional premium.
  • Q: What is the eligible age criteria for the LIC Dhan Varsha Plan?

    Ans: Individuals between the age of 3 years to 60 years are eligible to buy LIC Dhan Varsha Plan.

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
^Trad plans with a premium above 5 lakhs would be taxed as per applicable tax slabs post 31st march 2023
+Returns Since Inception of LIC Growth Fund
~Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
++Returns are 10 years returns of Nifty 100 Index benchmark

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