LIC Jeevan Utsav Plan: A Celebration of Guaranteed Returns & Life-Long Protection
🌟 What is LIC Jeevan Utsav Plan?
LIC Jeevan Utsav (Plan No. 871) is a non-linked, non-participating, individual, savings, whole life insurance plan launched by Life Insurance Corporation of India (LIC) in 2023. This plan is specially crafted to provide lifelong protection along with guaranteed income payouts or lumpsum benefits, depending on the payout option chosen.
It is a unique combination of life cover and guaranteed income for a lifetime, ideal for long-term financial planning and retirement income security.
🎯 Key Features of LIC Jeevan Utsav
| Feature | Details |
|---|
| Plan Type | Whole Life, Non-Linked, Non-Participating |
Plan No.
| 871 |
| Age at Entry | 18 to 65 years |
| Policy Term | Whole Life (till 100 years of age) |
| Premium Payment Term | 5 to 16 years |
| Minimum Sum Assured | ₹5,00,000 |
| Maturity Age | 100 years |
| Income Options | Regular Income or Lumpsum Benefit |
| Loan Facility | Available after 2 years |
| Surrender | Available after 2 years | |
| 💡 Two Benefit Options
1. Regular Income Benefit
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After premium payment term ends, policyholder receives guaranteed income every year for life.
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The income = 10% or more of Basic Sum Assured (depending on age and premium term).
2. Flexi Income Benefit
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Option to accumulate yearly income instead of taking it.
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Can withdraw full or part of the accumulated income as lumpsum whenever needed.
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Earns interest on accumulated income.
📈 Example of LIC Jeevan Utsav Plan Return
Example:
Age: 35 years
Premium Payment Term: 10 years
Annual Premium: ₹1,00,000
Sum Assured: ₹10,00,000
Chosen Option: Regular Income
From the 11th year onward, the policyholder will receive ₹1,00,000 per year (10% of ₹10,00,000) for life — till 100 years of age.
If he lives up to age 85, he would receive:
➡️ ₹1,00,000 x 50 years = ₹50,00,000 as return
✅ Benefits at a Glance
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✅ Lifelong Income Stream
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✅ Risk-free Guaranteed Returns
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✅ Tax Benefits (Sec 80C & 10(10D))
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✅ Loan Facility Available
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✅ Flexibility in Choosing Income Options
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✅ Financial Freedom for Retirement
💬 Real Customer Testimonials
🔹 Sanjay Mehta (45 yrs), Kolkata:
"I wanted a retirement plan that offers fixed income without risk. LIC Jeevan Utsav gave me the perfect balance of protection and pension. Highly recommended!"
🔹 Anita Desai (38 yrs), Mumbai:
"The flexibility to choose when to withdraw income is amazing. I opted for the Flexi benefit, which I can use anytime I need extra cash for emergencies."
🔹 Ravi Narayan (50 yrs), Hyderabad:
"LIC is trustworthy. Jeevan Utsav makes my retirement planning simple and safe."
🔄 LIC Jeevan Utsav vs Other LIC Plans
| Feature | Jeevan Utsav | Jeevan Labh | Jeevan Shanti |
|---|
| Plan Type | Whole Life | Limited Endowment | Immediate/Deferred Annuity | Income
| Lifetime | Maturity Only | Regular Annuity | | Risk Cover | Till 100 years | Term-based | Limited | | Returns | Guaranteed Yearly | With Bonus | Annuity Rate | | Flexibility | Yes | Limited | Limited | Ideal For
| Long-term retirement | Child Marriage/Study | Pension seekers | |
💸 Premium Chart (Approximate)
| Age | Sum Assured | Premium Term | Annual Premium |
|---|
| 30 | ₹10,00,000 | 10 yrs | ₹97,000 | | 40 | ₹10,00,000 | 10 yrs | ₹1,06,000 | | 50 | ₹10,00,000 | 10 yrs | ₹1,18,000 |
🛡️ Why Choose LIC Jeevan Utsav?
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LIC’s trusted brand legacy of over 60 years
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Assured returns backed by Government of India
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Best for retirement, legacy planning, and long-term goals
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Ideal for senior citizens and individuals looking for guaranteed passive income
📢 Call to Action
🎁 Secure Your Financial Future Today!
Call / Whatsapp Me to Book LIC Jeevan Utsav — your retirement companion for life. Hi, I am Soumyajit Goswami, your trusted Insurance & Financial Consultant with over 19+ years of experience and 1,400+ happy clients across Kolkata. 🛡️ Life, Health & General - Vehicles Insurance 💼 Mutual Funds, FD & NCDs. 📑 100% Claim Settlement Track Record 📊 Goal-based Financial Planning If you're serious about protecting your future or building wealth the smart way— let’s connect 📞 How to Buy LIC Jeevan Utsav?
Email 📧 sales@soumyajitgoswami.in
📢 Secure your dreams with India’s most trusted insurer – LIC! #LICNavJeevanShree #LICPolicy2025 #LICInvestmentPlan #GuaranteedReturns #LICIndia #LifeInsuranceIndia #LICAgent #FinancialPlanning #SafeInvestment #TaxSavingPlan
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