Non-resident Indians (NRIs) play a pivotal role with their investment in India and Abroad. NRIs are exposed to various lifestyles abroad and they have higher expectations to manage their future. However , investment options in India are very competitive compared to other countries i.e. average investment returns ranges from 7-10% in India vs 2-3% in other countries. Also, India is a dream destination for investments as FII invests heavily due to the return on income in India.

As an NRI, it is imperative to leverage investments in India using all means (including stock market, retirement insurance plan, hone investment etc., with Capital Protection & Guaranteed Appreciation). Based on our experience with NRI clients, they are happy to make investments in the following areas.

  • Single premium plans
  • Yearly subscription plans
  • Retirement Plans

Investments & Risk Cover

Jeevan Utsav

* Jeevan Utsav is the ONLY Short-Term Plan available for Savings, Regular Income as well as Retirement Planning. Once the PPT is over, the Client is free to decide whether he needs Regular Income or Accumulate it and take 75% of the Accumulation at any year. He can also fix Retirement Age and take Yearly Fixed Income

* Guaranteed Annuity @ 10% of Sum Assured till Age 100 ensures Money Flow to the Customer in his/her rainy days. In this era of Uncertain and falling interest regime any Portfolio which gives Guarantee needs.

* No Plan in the History of LIC offered 5.5% Compound Interest annually till Age 100 for Survival Benefits that are left with it. Power of Compounding can be realized by Clients through Flexi Option Method.

* Only Whole Life Plan in our Country with Unbelievable HUGE/SKY-ROCKETING Accumulation which would touch 5 times of the Principal at 50th Year & beyond that too. For 1 Lac SB under Flexi Option, the Corpus becomes 2.5 Crores @ 50th Year. This can be the BEST ASSET CREATION for our dependents with 100% Guarantee!

* No Plan in the History of LIC for Children Segment that allowed Premium Payment for a Very Short Term, yet providing Life Long Guaranteed 10% of SA as Yearly Benefit which will encourage Grand Parents also to Save for their Grand Children without the necessity of Long Term Commitment!

* No other Single Portfolio in our Country have such a short PPT & provide Guaranteed Tax-free Liquidity, Risk Cover till Age 100, Guaranteed Addition during Premium Paying Term, Emergency Loan facilities anytime till age 100, Surrender option etc. Its an ALL-IN-ONE Concept.

LIC's SINGLE PREMIUM ENDOWMENT

One-time investment for a long-term life cover and maturity. Excellent plan for meeting Educational Needs of young ones as children. age at entry 3 months baby to 65 years.. Single Premium Endowment Plan is a participating non-linked savings cum protection plan and also takes care of liquidity needs through its loan facility. Minimum term: 10 years & Maximum term: 25 years

Example: Age 30 term 25 years life cover starting from Rs. 25 lakh increasing every year .Single premium (incl. Gst) Rs.11,52,000/- The Maturity value after 25 years you will get Guaranteed tax free Rs. 66,25,000/-

Jeevan Shanti

This is a One- time investment plan wherein the policy holder has an option to choose an immediate or Deferred Annuity. Guaranteed life long Annuity @ 8% - 21%. Annuity can choose own life or as joint life with return of purchase price. NRI can invest for self & their Parents Annuity. Loan available after completion of 2 policy year.

Example: Age 30- Deferred period 10 years. One time Payment Rs.10 Lakh. Annuity starts from 11th year onwards @ 10.20% Annuity every year Rs. 1,02,000/- life long with return of amount Rs.11 lakh after the life time of the Annuitant..

JEEVAN UMANG

Life Long Guaranteed Non Taxable Income with wealth creation. In this policy one has to pay for 15 years of time and after that you are entitled to receive REGULAR INCOME WHICH IS 8% OF SUM ASSURED – GUARANTEED NON TAXABLE with increasing life cover till 100 YEARS OF YOUR AGE.

Example: Age 30 Term 15 years Regular yearly premium Rs.4 lakh.( Insurance cover starts from 50 lakh increasing every year up to your age 100 – Rs. 3.48 crores.). You will get ( 8% of Sum Assured 50 lakh) Rs. 4 lakh every year from the 16th year onwards till your age 100 and a maturity of 3.48 crore at age 100.

JEEVAN LABH

Jeevan Labh is a Limited Endowment Plan & 3 policy terms, which give your life cover with attractive returns. For a policy term of 16 years Limited premium payable for 10 years. ( can expect 2 time returns).For 21 years term you have to pay premium for 15 years (can expect 2.5 times) & 25 years of term you have to pay 16 years ( can expect 3.75 times) This policy is suitable more those who are looking for good returns. Entry age 8 years completed up to age 59.

Example:Age 30 Premium paying term 16 . yearly premium Rs.1,80,000/- equal to 28,80,000/- with a holiday of 9 years i.e. 25th year the customer TAX free ONE CRORE.

JEEVAN SHIROMANI

This Plan is specially designed for High Net-worth Individuals. Minimum Basic Sum Assured : Rs.100,00,000 ( ONE CRORE) Periodic payments shall also be made on survival of the policy holder at specified durations during the policy term and a lump sum payment to the surviving policy holder at the time of maturity. In addition, this plan also provides for payment of a lump sum amount equal to 10% of the chosen Basic Sum assured on diagnosis of any of the specified Critical Illnesses.

Example:Age 30 Premium Paying term 14 yearly Basic yearly premium Rs. 7,79,100/- Risk cover starts Rs.1,30,00,000/ increasing every year up to 2,32,50,000/- . and you will start getting survival benefits on 14th year Rs.40,00,000/-, 16th year Rs.40,00,000/- and Maturity on 18th year Rs. 1,27,50,000/-. (total investment for 14 years Rs.1,11,70,350/- get back totally Rs. 2,07,50,000/-)