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Jeevan Labh Studio

Advanced Financial Illustration for LIC Plan No. 936

Minimum Sum Assured: ₹2,00,000

Premium Estimation

Yearly

₹0

Half-Yearly

₹0

Quarterly

₹0

Monthly

₹0

Estimated Maturity Value

₹0

Guaranteed Sum Assured ₹0
Estimated Vested Bonus ₹0
Final Addl. Bonus (FAB) ₹0
Total Death Benefit ₹0

Bonus & FAB rates are based on historical performance. Non-Guaranteed.

How to Use the Jeevan Labh Studio

1

Input Age

Provide your current age. Entry is allowed between 8 to 59 years.

2

Choose Term

Select between the 16, 21, or 25-year options. This defines your paying term.

3

Sum Assured

Enter the risk cover amount you want (starts from ₹2 Lakhs).

4

Export Result

Download the detailed illustration as an image for your records.

Why Use TrendCart Investment Logic?

Bonus Analytics

Includes historical Simple Reversionary Bonus and FAB data to provide a realistic maturity estimate.

Premium Modes

Calculates precise amounts for Yearly, Half-Yearly, Quarterly, and Monthly (NACH) payment modes.

Risk Coverage

Visualizes the Death Benefit immediately, helping you understand the family protection value.

LIC Jeevan Labh (Plan 936): The Complete Investment Guide

LIC's Jeevan Labh is a limited premium paying, non-linked, with-profits endowment plan. It offers a unique combination of high returns and life cover, making it a favorite for Indian families planning for child education or retirement. Our **TrendCart Jeevan Labh Studio** helps you decode the numbers behind this policy.

The Logic of Limited Premium Paying (LPP)

One of the biggest advantages of Plan 936 is that you don't pay for the entire policy duration:

This creates a buffer period where your money grows without further investment.

How is Maturity Calculated?

The final payout is the sum of three distinct parts: Maturity = Basic Sum Assured + Accumulated Vested Bonus + Final Additional Bonus. The **Simple Reversionary Bonus** is declared per ₹1,000 of Sum Assured annually.

Tax Benefits and Protection

Under Section 80C, the premiums are deductible from your taxable income. More importantly, the Maturity and Death claims are generally tax-free under Section 10(10D). In terms of protection, the plan provides a death benefit which is the higher of 7 times the annual premium or the Basic Sum Assured, plus bonuses.

Historical Bonus Trends

While past performance does not guarantee future results, Jeevan Labh has consistently offered attractive bonuses. For the 25-year term, bonus rates have historically hovered around ₹40 to ₹50 per thousand of Sum Assured.

Frequently Asked Questions (FAQ)

Q1. Can I take a loan against this policy?

Yes, after paying premiums for at least 2 full years, you can avail of loan facilities against the surrender value of the policy.

Q2. What is FAB?

Final Additional Bonus (FAB) is a one-time bonus paid by LIC if the policy runs for a longer duration, usually at maturity.

Need Financial Advice?

For custom insurance tool development or feedback on Plan 936 logic, reach out:

trendcart077@gmail.com