1 बार निवेश और पूरी उम्र मौज! LIC की नई स्कीम का तहलका LIC Smart Pension Plan 2025

LIC Smart Pension Plan 2025 –Thinking about this, nowadays every sensible person wants to do a well-planned planning before retirement. And keeping this need in mind, LIC (Life Insurance Corporation of India) has launched a tremendous scheme – LIC Smart Pension Plan.

LIC Smart Pension Plan 2025 – This scheme is especially for those people who want to invest a lump sum amount at once and then want to get a fixed pension every month – without any risk, for the whole life.

What is LIC Smart Pension Plan?

1. This scheme is also called Immediate Annuity Plan. Meaning – you invest today and the pension starts immediately.
2. There is no stock market fluctuation, no risk in this. Whatever is decided, you will get it every month – that too every month while you are alive.
3. If you want, you can take pension on monthly, quarterly, half-yearly or yearly basis, but most people choose monthly pension so that their expenses can be met easily.

Want a pension of ₹ 12,000 per month? So how much investment will have to be made?

1. If you want to get a guaranteed pension of ₹ 12,000 every month after retirement, then for this you will have to make a lump sum investment of about ₹ 22 lakh.
2. Even at the age of 75, make your eyesight as before. 2 drops before sleeping and the job is done.

And the special thing is:

1. Pension will continue to be available till your death.
2. If you have chosen the option of “Return of Purchase Price”, then after your death this deposited amount will be returned to your nominee.

That is –

1. Your pension is fixed
2. Your family gets security
3. And the money does not go waste
4. Joint Annuity Option – Both husband and wife get pension
5. In this scheme, you can choose either Single Life Annuity or Joint Life Annuity.
6. In Joint Annuity, if both husband and wife have taken the scheme, then even after the death of one, the other continues to get full pension.
7. This is very beneficial for elderly couples as it maintains financial independence of both.

Who can invest in this scheme?

1. Minimum age: 30 years
2. Maximum age: 85 years
3. This means that if you have received a lump sum money even after retirement (PF, gratuity, or savings), then you can start pension immediately by investing in this scheme.

Tax benefit is also available

1. If you invest in this scheme, then you also get tax exemption under section 80CCC.
2. Yes, the pension you will get will be considered taxable income, but even if a part of this guaranteed income from the government goes in tax, it is not a big deal – at least you are getting income every month.

This scheme is for those people who…

1. Want a fixed income after retirement from the job
2. Do not want to take the risk of stock market or mutual funds
3. Want to provide financial security to their spouse even after you
4. And are looking for a means that will end the tension of money every month

Key points of the scheme in brief:

1. Points Description
2. Name of the scheme LIC Smart Pension Plan
3. Type of plan Immediate Annuity
4. Minimum age 30 years
5. Maximum age 85 years
6. Pension starts immediately after investment
7. Pension period Lifetime
8. Frequency of pension Monthly, quarterly, half-yearly, yearly
9. Nominee gets benefit from “Return of Purchase Price” option

How to buy this scheme?

1. You can buy this plan from the nearest branch of LIC, LIC agent or even from the official website of LIC.
2. The premium amount is decided according to your age and the annuity option chosen.
3. LIC Smart Pension Plan is for all those people who want a guaranteed income every month even after retirement – ​​that too for the whole life.
4. There is neither worry of stock market nor risk of mutual fund in this. Just invest money once and sleep peacefully.
5. After a long wait, good news came on DA arrears of 18 months – know when will you get the money Dearness Allowance 2025
6. If you want a safe and respectable retirement life for yourself or your parents, then this plan is perfect.