LIC Protection Plan 886
LIC Protection Plan 886 ki full details Hindi me. Premium, benefits, eligibility, riders, claim process & FAQs. Best LIC term insurance plan.
Aaj ke time me financial security sirf saving se nahi, balki strong protection plan se aati hai. Jab family ki zimmedari ho, loan ho, ya future goals ho โ tab LIC Protection Plan 886 ek powerful term insurance solution ban kar saamne aata hai.
LIC Protection Plan 886 ek non-linked, non-participating, pure term insurance plan hai jo policyholder ki death ke case me family ko high sum assured provide karta hai โ wo bhi low premium par.
๐ Ye plan un logon ke liye best hai jo:
- Apni family ko financially secure rakhna chahte hain
- Kam premium me zyada cover chahte hain
- LIC jaise trusted brand par bharosa karte hain
๐ก๏ธ LIC Protection Plan 886 โ Key Highlights
| Feature | Details |
|---|---|
| Plan Type | Pure Term Insurance |
| Plan Code | 886 |
| Premium | Affordable / Low |
| Policy Term | Flexible |
| Maturity Benefit | โ No |
| Death Benefit | โ Yes |
| Tax Benefit | Section 80C & 10(10D) |
| Loan Facility | โ Not Available |
๐งพ LIC Protection Plan 886 โ Eligibility Criteria
| Criteria | Details |
|---|---|
| Minimum Entry Age | 18 Years |
| Maximum Entry Age | 65 Years |
| Maximum Maturity Age | 80 Years |
| Policy Term | 10 โ 40 Years |
| Premium Paying Term | Policy Term ke barabar |
| Sum Assured | High (As per income) |
๐ฐ Premium Payment Options
LIC Protection Plan 886 me flexible premium modes milte hain:
- Monthly
- Quarterly
- Half-Yearly
- Yearly
๐ Premium amount depend karta hai:
- Age
- Sum Assured
- Policy Term
- Health condition
๐ก Death Benefit โ Family Protection Guarantee
Agar policy term ke dauran insured person ki death hoti hai, to nominee ko milta hai:
โ๏ธ Sum Assured on Death
โ๏ธ Ya 10 times Annual Premium
โ๏ธ Ya Absolute Amount Assured
(whichever is higher)
๐ Ye paisa family ke:
- Daily expenses
- Children education
- Home loan / personal loan
- Business continuity
ke liye lifesaver hota hai.
โ Maturity Benefit Kyun Nahi?
LIC Protection Plan 886 ek pure protection plan hai, isliye:
- โ Koi maturity return nahi
- โ Koi bonus nahi
๐ Lekin isi wajah se:
- Premium kaafi kam hota hai
- Coverage kaafi zyada milta hai
๐ก Term plan ka main motive protection hota hai, investment nahi.
๐ฅ Optional Riders (Extra Protection)
Aap apni policy ke saath riders add kar sakte ho:
๐น Accidental Death Benefit Rider
- Accident se death par extra payout
๐น Permanent Disability Rider
- Disability hone par financial support
๐น Critical Illness Rider
- Cancer, heart attack, kidney failure jaise diseases cover
(Riders additional premium par available hote hain)
๐ LIC Protection Plan 886 โ Example Table
| Age | Sum Assured | Policy Term | Approx Premium (Yearly) |
|---|---|---|---|
| 25 | โน1 Crore | 30 Years | โน9,000 โ โน11,000 |
| 30 | โน1 Crore | 25 Years | โน11,000 โ โน13,000 |
| 35 | โน50 Lakh | 20 Years | โน10,000 โ โน12,000 |
(Premium indicative hai, actual LIC norms ke hisaab se change ho sakta hai)
๐งพ Tax Benefits โ Double Advantage
โ๏ธ Section 80C
Premium par tax deduction (โน1.5 lakh tak)
โ๏ธ Section 10(10D)
Death benefit fully tax-free
๐ Is plan se protection + tax saving dono milta hai.
๐ Claim Process โ LIC Protection Plan 886
LIC ka claim settlement ratio India me sabse achha mana jata hai.
Claim Steps:
1๏ธโฃ Nearest LIC branch visit kare
2๏ธโฃ Death certificate submit kare
3๏ธโฃ Policy document & ID proof
4๏ธโฃ Nominee bank details
5๏ธโฃ Claim verification
6๏ธโฃ Payout directly bank me
โฑ๏ธ Fast & transparent process
๐ LIC Protection Plan 886 vs Other Term Plans
| Feature | LIC 886 | Private Term Plans |
|---|---|---|
| Brand Trust | โญโญโญโญโญ | โญโญโญ |
| Premium | Moderate | Slightly Low |
| Claim Ratio | Very High | Medium |
| Transparency | High | Depends |
| Rural Reach | Excellent | Limited |
๐ LIC Protection Plan 886 โ Pros & Cons
โ Advantages
- LIC ka strong brand trust
- High sum assured
- Simple & transparent
- Best for family protection
- Tax benefits
โ Disadvantages
- No maturity benefit
- Limited customization
๐จโ๐ฉโ๐งโ๐ฆ Kaun Le Sakta Hai Ye Plan?
- Salaried professionals
- Business owners
- Parents
- Newly married couples
- Home loan holders
๐ Agar aap apni family ke liye financial shield banana chahte ho, to ye plan best hai.
โ SEO Friendly FAQs โ LIC Protection Plan 886
Q1. LIC Protection Plan 886 kya hai?
LIC Protection Plan 886 ek pure term insurance plan hai jo policyholder ki death par nominee ko high sum assured deta hai.
Q2. Kya is plan me maturity benefit milta hai?
Nahi, ye ek protection-only plan hai, isme maturity par koi payout nahi hota.
Q3. LIC Protection Plan 886 ka premium kitna hai?
Premium age, policy term aur sum assured par depend karta hai.
Q4. Kya is plan par tax benefit milta hai?
Haan, Section 80C aur 10(10D) ke under tax benefits milte hain.
Q5. Kya riders add kar sakte hain?
Haan, accidental death, disability aur critical illness riders available hain.
Q6. Claim settlement process kaisa hai?
LIC ka claim process simple, fast aur reliable hai.
๐ Final Verdict โ Kya LIC Protection Plan 886 Lena Chahiye?
๐ Agar aap chahte ho:
- Kam premium
- Zyada protection
- LIC ka bharosa
- Long-term family security
๐ฏ To LIC Protection Plan 886 ek smart & responsible choice hai.
