एलआईसी जीवन उमंग योजना (945) क्या है, ऑनलाइन रिव्यू, विशेषताएं, लाभ

एलआईसी जीवन उमंग योजना:- The largest and oldest insurance company in India is the Life Insurance Corporation of India (LIC), serving millions of policyholders nationwide. LIC regularly introduces new schemes to cater to various sections of the population, ensuring life security for citizens. If you seek financial protection in your old age and are considering investing in a life insurance policy, the LIC Jeevan Umang Plan is an excellent choice. With benefits extended up to the age of 100 years, this policy offers annual returns of Rs 36,000 at a low investment. This article provides detailed information about the LIC Jeevan Umang Plan.

LIC Jeevan Umang Yojana 2024

LIC’s Jeevan Umang Policy is a unique endowment plan that combines life insurance coverage with a fixed income component. This plan is open for individuals aged between 90 days to 55 years. Offering life insurance coverage up to the age of 100, the policy ensures a fixed annual income post-maturity. In the event of the policyholder’s demise before maturity, the nominee receives a lump sum amount. This policy provides the option to receive a pension in old age and qualifies for income tax exemption under Section 80C. With a sum assured of Rs 2 lakh, LIC Jeevan Umang is available for terms of 15, 20, 25, and 30 years.

LIC Jeevan Umang Yojana

LIC Jeevan Umang Yojana Overview

Name o the Article एलआईसी जीवन उमंग योजना (945) क्या है
Launched By By Life Insurance Corporation of India (LIC)
Beneficiary Citizens of the country
Objective Providing whole life cover
Policy term 15 to 35 years
Category Sarkari Yojana
Year 2024
Application Process Offline

मध्यप्रदेश मुख्यमंत्री

In this way you will get a pension of Rs 36,000.

Secure your old age with LIC’s Jeevan Umang Plan, offering benefits up to the age of 100. Customize the policy duration based on your needs, and enjoy a fixed annual income. The plan provides 8% of the sum assured annually, continuing until the age of 100. For instance, if a 26-year-old buys a 30-year plan with a sum assured of Rs 4.5 lakh, they receive an annual income of Rs 36,000 from the 31st year. This steady return can be received as a pension until the age of 100. Additionally, the premium for each year is paid as a lump sum in the 30th year.

Key Features of LIC Jeevan Umang Policy

  • LIC Jeevan Umang is a lifelong insurance policy lasting up to 100 years, providing an 8% sum assured payout at the policy’s conclusion.
  • Ideal for pension purposes, it offers income tax exemption under Section 80C for the premium paid.
  • Additionally, policyholders receive a simple reversionary bonus upon maturity or in case of untimely death.
  • The plan also includes benefits such as Accidental Death, Disability Benefit, Rider, and Term Rider options.

मध्य प्रदेश लैपटॉप योजना

Benefits Of LIC Jeevan Umang Plan

  • LIC Jeevan Umang Policy (Table No.945) is a comprehensive life insurance plan providing coverage for 100 years.
  • The policyholder enjoys immediate risk cover from the day of purchase.
  • Flexibility is offered for premium payment frequency, including annual, half-yearly, quarterly, or monthly modes.
  • Income tax benefits are available with premium payments exempted under Section 80C and maturity returns under Section 10D.
  • The policy can be revived within 2 years of the first unpaid premium.
  • If dissatisfied, the policyholder can return the policy within 15 days.
  • Suicide within the first year results in an 80% refund. Payment terms include 15, 20, 25, and 30 years.

Eligibility for LIC Jeevan Umang Policy

  • To purchase the LIC Jeevan Umang policy plan, you need to be an Indian native.
  • Individuals aged between 90 days to 55 years are eligible to invest in this policy.
  • Investing in the Jeevan Umang Policy allows you to avail benefits for a duration of 100 years.

Bhu Naksha Gujarat

Required Documents

  • Aadhar card
  • age certificate
  • Address proof
  • medical history
  • PAN card
  • application form
  • driving license
  • Ration card
  • voter card
  • passport size photo

How to Apply to invest in LIC Jeevan Umang Plan?

  1. To invest in LIC Jeevan Umang Policy, you need to apply for the policy.
  2. Online application is not available, so visit your nearest LIC branch or contact a LIC officer.
  3. Inform the LIC officer about your interest in the Jeevan Umang Policy.
  4. Receive an application form from the officer and fill it out based on your preferred term.
  5. Provide the necessary information and documents to the LIC officer.
  6. Deposit the required premium amount with the officer to complete the investment process.
  7. Your investment in LIC Jeevan Umang Policy is now complete.

किसान क्रेडिट कार्ड


LIC Jeevan Umang Plan (945) is a great life insurance plan that offers secure and long-term benefits to Indian citizens. To understand the features, online reviews, and technical details of this plan, it is beneficial to provide the latest and updated information. The scheme is accessible to different age groups and the convenience of online verification and application makes the scheme an excellent option.


What is Jeevan Umang Yojana?

Jeevan Umang Yojana (945) is a long-term life insurance plan designed to protect Indian citizens and provide long-term benefits.

How to review the scheme online?

Contact nearest LIC branch for online review or get assistance from LIC officer.

What are the features of the scheme?

Jeevan Umang plan covers many features, such as long term life insurance, status bonus, and accidental death and accident cover.

What benefits are covered under the scheme?

Jeevan Umang plan covers various benefits like Accidental Death, Awaara and Term Rider.

Is planning required?

Yes, the applicant must be an Indian citizen and be between 90 days to 55 years of age to invest in the scheme.

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