Tuesday, November 26, 2013

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Sunday, November 3, 2013

LIC’s Bonus rates for 2013-14

LIC declared it’s bonus rate on 6th September 2013. So let us see some big movers and changers this year. 

For more infor, visit : http://basunivesh.com/2013/10/25/lics-bonus-rates-for-2013-14-and-comparision/

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IRDA Life Insurance Regulations 2013

Recently IRDA revamped so many changes when it comes to Life Insurance. All these changes will be effective from 1st October 2013 (Now IRDA extended it to 1st Jan 2014) . It is very important for all Life Insurance buyersto understand these changes well before going ahead for any buying.
Non Linked Regulations-
  1. Non Linked products like traditional life insurance policies will be classified as “PARTICIPATING PRODUCTS OR “PAR PRODUCTS” and NON-PARTICIPATING PRODUCTS OR “NON-PAR PRODUCTS” .
  2. PAR PRODUCTS will be eligible for Bonus on annual basis + Interim Bonus + Final Additional Bonus.
  3. Minimum Death Benefit will be   A) For Single Premium it is 125% for age up to 45 years, 110% for others.  B) For Non Single Premium it is minimum 10 times of the annualized premium (for age up to 45 years), for the rest       it is 7 times of annualized premium.
  4. For Non Single Premium it is minimum 10 times of the annualized premium (for age up to 45 years), for the rest       it is 7 times of annualized premium.
  5. The minimum policy term will be 5 years and minimum premium paying term for non single premium policies will be more than 5 years.
  6. Guaranteed Surrender Value (for regular premium policies) will be as below.  A) 30% of premium paid less any survival benefit already paid, if surrendered within 2nd Or 3rd Year. B) 50% of premium paid less any survival benefit already paid, if surrendered within 4th To 7th Year. C) 90% of premium paid less any survival benefit already paid, if surrendered in the last 2 years of policy , if term of the policy is less than 7 years.
  7. Premiums will be equal throughout the period of the policy.

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