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LIC Jeevan Umang: Review (2023) – Should You Buy It?

by Holistic Leave a Comment | Filed Under: Uncategorized

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LIC Jeevan Umang is a savings and insurance plan that offers a combination of life protection and guaranteed income protection.

But how guaranteed are these incomes when it comes to securing your financial future?

Will this guaranteed income can help you to achieve your financial goals?

Let’s do a detailed analysis on LIC Jeevan Umang to discover the answer to these questions.

First, let’s understand the basic things that we need to know about LIC Jeevan Umang.

Table of Content:

1.) What is LIC Jeevan Umang?

2.) Features of LIC Jeevan Umang

3.) Benefits of LIC Jeevan Umang

4.) Eligibility of LIC Jeevan Umang

5.) Advantages of LIC Jeevan Umang

6.) Disadvantages of LIC Jeevan Umang

7.) Research Methodology

8.) Factors: LIC Jeevan Umang vs. Other Investments

9.) Final Verdict on LIC Jeevan Umang – Should you buy it?

What is LIC Jeevan Umang?

LIC Jeevan Umang claims to be ‘the 100-year plan’ that offers both life protection and guaranteed income.

It offers a survival benefit which is equal to 8% of the Basic Sum Assured from the completion of your Premium Payment Term till your age of 99 years. This plan also offers a maturity benefit as a lump sum when the policyholder reaches the age of 100.

Features of LIC Jeevan Umang:

  1. It is a money-saving plan.
  2. Survival benefit from the end of the premium payment term to the policyholder reaches the age of 99.
  3. Maturity benefit will be paid as a lump sum when the policyholder reaches the age of 100.
  4. Option to choose the premium payment term.
  5. Since it is a participating policy it entitles policyholders to additional bonuses depending on the profits earned by LIC in a year.
  6. Additional riders benefit.

Benefits of LIC Jeevan Umang:

1.) Death Benefit:

If the policyholder passes away unfortunately before starting to receive the benefit, then

  • the premium will be refunded without any interest.

If the policyholder passes away after starting to receive benefits, then

  • Sum Assured on Death plus Reversionary Bonus and Final Additional bonus shall be paid to the nominee of the policyholder. 

2.) Survival Benefit:

8% of the Basic Sum Assured will be paid every year as a Survival Benefit after the completion of the final premium payment term.

3.) Maturity Benefit: 

The Sum Assured on Maturity along with Reversionary Bonus and Final Additional Bonus will be paid to the policyholder during the maturity.

4.) Participation in Profit:

1.) During the premium paying term:

Policies that are still in effect during the premium-paying period are eligible to earn Simple Reversionary Bonuses that have been determined based on the Corporation’s experience.

In the year when a death claim is made on an active policy, a last additional bonus may also be reported under that policy.

2.) After the premium paying term: 

Depending on the Corporation’s experience under the LIC Jeevan Umang plan at the moment, the rules for participation of profits after the premium-paying term may take a different shape and be calculated on a different scale.

Future earnings would not be shared by a paid-up policy with a Maturity Paid-Up Sum Assured of less than Rs. 2 lacs.

Eligibility of LIC Jeevan Umang:

a) Minimum Basic Sum Assured  Rs. 2,00,000 
b) Maximum Basic Sum Assured  No limit (The Basic Sum Assured shall be in multiples of Rs. 25,000/-)
c) Premium Paying Term  15, 20, 25 and 30 years 
d) Policy Term  (100 – the age at entry) years 
e) Minimum Age at entry  90 days (completed)
f) Maximum Age at entry  55 years(nearer birthday) 
g) Minimum Age at the end of premium paying term  30 years(nearer birthday) 
h) Maximum Age at the end of premium paying term  70 years(nearer birthday) 
i) Age at maturity  100 years(nearer birthday)
j) Premium paying frequency yearly, half-yearly, quarterly or monthly

Advantages of LIC Jeevan Umang:

You receive a lifetime of coverage because it is whole life insurance.

  • A limited number of convenient premium paying terms are available.
  • Loan option is available.
  • Possibility of receiving death benefits in instalments.
  • Riders are available at an extra fee.

Disadvantages of LIC Jeevan Umang:

  • Lock-in period is two years (for surrender, paid-up or loan)
  • The survival benefit is fixed. It doesn’t take inflation into account.
  • The frequency to receive the survival benefit is fixed. Only an annual option is available.

Research Methodology:

How to discover whether LIC Jeevan Umang is suitable for you or not?

Here, let’s do detailed research on LIC Jeevan Umang and its performance against other investments based on various factors.

First, we are going to calculate the IRR of LIC Jeevan Umang for the worst-case scenario and the best-case scenario. 

Then, we are going to calculate the IRR of other risk-free and risk-oriented investment plans to see which performs better.

Later, we are going to see which gives you an advantage based on various factors such as affordability, charges, lock-in period and so on.

Factors: LIC Jeevan Umang vs. Other Investments

1.) IRR

IRR of LIC Jeevan Umang with an example:

For example, let’s take a policyholder who is 40 years old.

He chooses a single life plan.

Sum Assured = Rs. 1,00,00,000

Premium Payment Term = 20 years

Policy Term = 25 years

Life expectation = 85 years

Annual Premium = Rs. 5,40,307 include tax

Here let’s calculate the IRR of LIC Jeevan Umang for both the worst case scenario and the best case scenario by using LIC Jeevan Umang Calculator.

In the worst-case return, let’s take the Assumed Gross Return as 4%. 

At 4% p.a
Age Year Annualised premium / Maturity benefit Death Benefit
41 1

-5,40,307

1,00,00,000

42 2

-5,40,307

1,00,00,000

43 3

-5,40,307

1,00,00,000

… …

…

…
60 20

-5,40,307

1,00,00,000

61 21

8,00,000

1,00,00,000

62 22

8,00,000

1,00,00,000

63 23

8,00,000

1,00,00,000

… … … …
85 45

8,00,000

1,00,00,000

1,08,57,840

IRR

4.08%

As you can see, at the end of the policy term, we get an IRR of 4.08% and Rs. 1,08,57,840 as survival benefits.

Now, let’s calculate the IRR for the best-case scenario.

Here we take the Assumed Gross Return as 8%.

At 8% p.a
Age Year Annualised premium / Maturity benefit Death Benefit
41 1 -5,40,307 1,00,00,000
42 2 -5,40,307 1,00,00,000
43 3 -5,40,307 1,00,00,000
… … … …
60 20 -5,40,307 1,00,00,000
61 21 8,00,000 1,00,00,000
62 22 8,00,000 1,00,00,000
63 23 8,00,000 1,00,00,000
… … … …
85 45 8,00,000 1,00,00,000
5,03,15,000
IRR 6.25%

Here at the end of the policy term, we get an IRR of 6.25% and Rs. 5,03,15,000 as survival benefit.

Options IRR Maturity Benefit in Rs. Death Benefit in Rs. 
Worst Case Scenario (4% assumed gross return) 4.08% 1.08 cr 1 cr
Best Case Scenario (8% assumed gross return) 6.25% 5.03 crs 1 cr

IRR of LIC Jeevan Umang vs. Term Insurance + PPF + Hybrid Funds: 

Now, let’s calculate the IRR of a risk-free investment plan. For example, let’s take PPF.

Overall contribution: Rs. 5,40,307

Term Insurance:

Sum Assured: Rs. 1,00,00,000

Annual Term: Rs. 22,100

Tenure: 20 years

PPF Contribution: Rs. 5,18,207

(Note: The maximum investment amount in PPF is Rs. 1,50,000. We have used Rs. 5,18,207 for calculation purposes only.)

Interest Rate: 7.10% without investment risk

Then,

Term Insurance + PPF
Age Year Term Insurance premium + PPF Death Benefit
41 1 -5,40,307 1,00,00,000
42 2 -5,40,307 1,00,00,000
43 3 -5,40,307 1,00,00,000
… … … …
60 20 -5,40,307 1,00,00,000
61 21 8,00,000 –
62 22 8,00,000 –
63 23 8,00,000 –
… … … …
85 45 8,00,000 –
8,91,64,129
IRR 7.37%

Here, after 20 years, your PPF will mature and will give you Rs. 2,30,02,476 as an investment return.

Now, here you can reinvest the money as a 70:30 ratio in debt and equity for the remaining 25 years and can withdraw Rs. 8,00,000 annually through a Systematic Withdrawal Plan.

Equity 30% 12%
Debt 70% 6%
Weighted Average return 7.80%

And at the end of the 45 years, you will get an IRR of 7.37% and Rs. 8,91,64,129 as investment return.

In this way, you can stay invested and can have a consistent income.

Options IRR Maturity Benefit in Rs. Death Benefit in Rs. 
Worst Case Scenario (4% assumed gross return) 4.08% 1.08 cr 1 cr
Best Case Scenario (8% assumed gross return) 6.25% 5.03 crs 1 cr
PPF 7.37% 8.91 crs 1 cr

IRR of LIC Jeevan Umang vs. Term Insurance + ELSS + Hybrid Funds:

Now, let’s calculate the IRR for risk-oriented investment. For example, let’s take ELSS.

Overall contribution: Rs. 5,40,307

Term Insurance:

Sum Assured: Rs. 1,00,00,000

Annual Term: Rs. 22,100

Tenure: 20 years

ELSS Contribution: Rs. 5,18,207

Assumed Rate of Return: 12% with investment risk

Then,

Term Insurance + ELSS
Age Year Term Insurance premium + ELSS Death Benefit
41 1 -5,40,307 1,00,00,000
42 2 -5,40,307 1,00,00,000
43 3 -5,40,307 1,00,00,000
… … … …
60 20 -5,40,307 1,00,00,000
61 21 8,00,000 –
62 22 8,00,000 –
63 23 8,00,000 –
… … … …
85 45 8,00,000 –
19,16,90,379
IRR 9.07%

Here, if we invest the money as we did in PPF, we will get an IRR of 9.07% and Rs. 19,16,90,379 as post-tax investment return.

Options IRR Maturity Benefit in Rs. Death Benefit in Rs. 
Worst Case Scenario (4% assumed gross return) 4.08% 1.08 cr 1 cr
Best Case Scenario (8% assumed gross return) 6.25% 5.03 crs 1 cr
ELSS 9.07% 19 crs 1 cr

Here you may think, LIC Jeevan Umang gives a better return without taking any risk so why should I choose another investment?

You may think that Instead of following two or three investment steps, I can choose a single LIC Jeevan Umang policy.

Of course, you can but here is the catch.

You can get the same in a Bank FD or in RBI Bonds

Also, compared to PPF and ELSS, LIC Jeevan Umang did not add any special value to your money.

Please keep up with me to know more hidden factors.

2.) GST:

LIC Jeevan Umang: If you have noticed, when you pay the premium, you are also paying extra for the tax. 

So, in LIC Jeevan Umang, you are paying more than you should and getting nothing in return for the extra you are paying.

So, in the end, your assumed gross return will be less than 6%.

PPF & Mutual Fund: But, in PPF or Mutual Fund Investment, you don’t have to pay any additional taxes. 

Even in Mutual Funds, you will pay tax for your investment return, but the post-tax returns are better than the returns from Jeevan Umang.

And, finally, you don’t have to pay any tax for the interest you earn in PPF.

3.) Affordability:

LIC Jeevan Umang: Rs. 5000/month.

Mutual Fund & PPF: Rs. 500/month.

So, compare to LIC Jeevan Umang, everyone can afford to invest in Mutual Fund and PPF.

4.) Lock-in Period:

LIC Jeevan Umang: 2 years.

PPF: 15 years

Mutual Fund: Based on the plan chosen by the investor

5.) Liquidity option:

LIC Jeevan Umang: Partial withdrawal is not available. But, the policyholder can surrender the plan after 2 years or can avail of the loan.

PPF: Partial withdrawal is allowed after 5 years. An investor can also avail of the loan.

Mutual Fund: The liquidity option is available anytime.

6.) Regulatory Authority:

LIC Jeevan Umang: IRDA – Insurance Regulatory and Development Authority

Mutual Fund: SEBI – Securities and Exchange Board of India

Mutual Funds’ norms and fee structures are strictly regulated by SEBI. So, there won’t be any additional or hidden charges you need to pay for your investments.

PPF: DEA – Department of Economic Affairs (It is a Government Scheme)

7.) Charges:

LIC Jeevan Umang: The fee and charges are yet to be regulated by IRDA. So, there will be some hidden charges drawn by the insurance companies themselves. So, it is better to go through all the charges and fee structures before purchasing an insurance plan. Because these hidden charges can reduce your IRR.

PPF: There are no additional or hidden charges deducted in PPF.

Mutual Fund: The charges are regulated by SEBI. So, the charges are transparent.

8.) Tax Benefit:

The tax benefit is available to all.

9.) Inflation Beating Return:

LIC Jeevan Umang: We cannot say the value of your financial goal will not be the same as today. That’s why you need an inflation-beating return. And, as we can see in the example, LIC Jeevan Umang did not give us the inflation-beating return.

PPF: In PPF, we can get an investment return which is higher than LIC Jeevan Umang. But, still, it is a tax-saving investment plan with 15 year maturity period. So, still, it barely can help you to beat inflation.

Mutual Fund: Return on Mutual Fund can help you beat inflation in the long run compared to LIC Jeevan Umang and PPF.

10.) Goal-Based Investment Planning:

LIC Jeevan Umang: LIC Jeevan Umang is an insurance and savings plan. So, you can use this plan either for your retirement or for your children’s marriage only if it gives you an inflation-beating return.

PPF: As mentioned earlier PPF is tax saving plan with limited investment options. So, it cannot help you to plan your financial goal completely.

Mutual Fund: You can choose more than one mutual fund based on your financial goals. As per your financial goal, you can choose the investment scheme. You have control over how much you need to invest and how long to invest in mutual funds. Also you can take a break from investing for an year or so. You can also increase your contribution based on your increment in the income.

11.) Surrender or Cancel:

LIC Jeevan Umang:

The policyholder can cancel the policy during the free look period of 15 days from the date of policy purchased or have to wait 2 years to surrender the policy.

PPF: The investor can close the account prematurely.

Mutual Fund: An investor can withdraw or switch the plan at any time.

12.) Insurance coverage:

LIC Jeevan Umang: Compared to pure term insurance, LIC Jeevan Umang is expensive.

Pure Term Insurance: You can avail of pure term insurance with high coverage at a low cost.

Final Verdict on LIC Jeevan Umang – Should you buy it?


After analysing all the factors, compared to other investments, LIC Jeevan Umang is still at disadvantage in many ways. So, it is better to choose alternative investment plan that gives you an inflation-beating return.

As for life cover, you can choose pure term insurance at a low cost with high coverage.

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Jey S
24. September, 2021.
I have been using Holistic Investment Planners for the last three years. Mr. Srinivasavaradhan answered all my questions and doubts very patiently during the first free consultation. I was able to clearly define my short-, medium- and long-term goals once I signed up for the comprehensive plan and got their investment plan suggestion to achieve my goals. They are very polite and highly professional whenever I contact them for any queries or make investments. They never pressurize you to invest on their recommended financial products. I would have been lost money by investing directly without their help since I do not have time and knowledge about different financial products. Risk planning is also done as part of financial planning. Truly, they are holistic planners when it comes to your financial planning. They help you to define your life goals, understand your financial resources and establish a plan to invest towards reaching those goals. They do review your plan as you progress to make sure that you are on correct path to achieve those goals. Kudos to the team and keep up the good work!!! I am happy that I found holistic investment planners for my financial planning and management.
aksaswadkar
aksaswadkar
24. September, 2021.
I was about to retire and really not understanding how to invest money to have financial freedom and fulfilling my goals. Was desperately searching on internet way out and fortunately came across Holistic Investment Planners. I read number of articles on their website and realized that this is the agency which I want and engaged their services for my retirement planning. It is an excellent experience to be associated with Holistic. Right from day one our interaction was fantastic and they gave me such a wonderful plan that I had never imagined. I am fortunate enough to be in the client list of Holistic. I have recommended Holistic to my friends as well.
Lionel Faber
Lionel Faber
16. September, 2021.
I've been availing their services for the past year. They are highly knowledgeable in the field and are very patient with all doubts and queries. Personalized financial planning is provided keeping your short term, medium term and long term goals in mind. They do not pressurize you to purchase schemes of their choice. They provide their input and suggestions and leave the decision up to you which shows their honesty and high principle.
Sridhar
Sridhar
8. September, 2021.
Financial planning brings peace in life. Holistic Investment have supported in arriving financial plan based on future goals. My investments are regular since then. They are professionals in their business, will recommend others.
Nitesh Agrawal
Nitesh Agrawal
6. September, 2021.
I have been using Holistic Investment Planners from last one year. The journey has been fantastic. Being a finance person myself I always thought we can look after and plan own finances also. However, due to lack of time and deciplain the things are not always as desired. After joining with Holistic Investment for the first time Icame to know the Financial goals and quantified them. Some dreams were unrealistic based on the earnings and savings so had a reality check. Also got the information and deciplain of investing on regular and more rewarding securities. I definetly suggest to use Holistic Investment Planners. They are professionals, available and hear youor full story before presenting plans. They are flexile in the sense if there are some urgent deviations required, they help to plan the same. For all professionals/individuals I would suggest using professional help of Holistic Investment Planners for best results in long term investment and financial goals achivements. Last advise will be to start early in your life. It really pays well to start in the beginning itself else the dreams needs to adjust :)
Swetha Vasanth
Swetha Vasanth
6. September, 2021.
This is my first year service with the Holistic Team and I would say that they are very much helpful in creating a financial plan and follow ups during the year. I would definitely suggest them if anyone who is willing to proceed with their savings professionally.
Joseph Mathias
Joseph Mathias
6. September, 2021.
I came to know about Holistic Investment Planners online while searching for different investment ideas. Once I contacted them the journey was very smooth. Mr. Ramalingam explained all the aspects of Financial planning in detail and it opened my mind. I realized how important it is to have a Financial planning. Mr. Rajan suggested all the requirements as per my goals and made a Investment plan keeping in mind of my goals. I started my Investment journey with them. I wish I had done it some years back then it would have been in a different level. Review meetings were held every six month to check the implementation of the plan and check the results as per the requirements and to check if any changes required. Overall it was a good experience with Holistic Investment team and would like to continue in the years to come.
Srinvas Kannan
Srinvas Kannan
30. July, 2021.
I came across Holistic investment planners almost 5-6 years back, but I did not have the trust since I had met a few of them who did not sound promising. Then I started investing through a financial advisor of my friend. After 4 years of investing the returns were very low. I was disappointed and started looking for financial advisors when I came across Holistic investment. I had a detailed discussion about my goals and the way they would approach achieving my goal before deciding to switch my investments to them. After a thorough analysis of my then existing portfolios, they suggested new ones and we zeroed-in on 6 schemes/funds where our investment would be split. I am glad I made the decision of switching over and taking Holistic planner's advise, my returns are handsome and I only wish I could have taken their help/advise 5 years back itself. Neverthless, I would like to recommend their services for investment and financial advise if someone is serious about their investments.
Shivaram Andiappan Selvaraj
Shivaram Andiappan Selvaraj
3. July, 2021.
I got a free first time consultation. I got my doubts resolved. They also gave additional advises for investment planning which was also useful.
Nellai B
Nellai B
26. June, 2021.
I have been associated with them for the past three years. They are very professional and polite in answering all our questions. I have complete trust in their suggestions. I strongly recommend for anyone. I am looking forward to have strong and successful association with them.
Google rating score: 4.4 of 5,
based on 61 reviews

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Jey S
Jey S
24. September, 2021.
I have been using Holistic Investment Planners for the last three years. Mr. Srinivasavaradhan answered all my questions and doubts very patiently during the first free consultation. I was able to clearly define my short-, medium- and long-term goals once I signed up for the comprehensive plan and got their investment plan suggestion to achieve my goals. They are very polite and highly professional whenever I contact them for any queries or make investments. They never pressurize you to invest on their recommended financial products. I would have been lost money by investing directly without their help since I do not have time and knowledge about different financial products. Risk planning is also done as part of financial planning. Truly, they are holistic planners when it comes to your financial planning. They help you to define your life goals, understand your financial resources and establish a plan to invest towards reaching those goals. They do review your plan as you progress to make sure that you are on correct path to achieve those goals. Kudos to the team and keep up the good work!!! I am happy that I found holistic investment planners for my financial planning and management.
aksaswadkar
aksaswadkar
24. September, 2021.
I was about to retire and really not understanding how to invest money to have financial freedom and fulfilling my goals. Was desperately searching on internet way out and fortunately came across Holistic Investment Planners. I read number of articles on their website and realized that this is the agency which I want and engaged their services for my retirement planning. It is an excellent experience to be associated with Holistic. Right from day one our interaction was fantastic and they gave me such a wonderful plan that I had never imagined. I am fortunate enough to be in the client list of Holistic. I have recommended Holistic to my friends as well.
Lionel Faber
Lionel Faber
16. September, 2021.
I've been availing their services for the past year. They are highly knowledgeable in the field and are very patient with all doubts and queries. Personalized financial planning is provided keeping your short term, medium term and long term goals in mind. They do not pressurize you to purchase schemes of their choice. They provide their input and suggestions and leave the decision up to you which shows their honesty and high principle.
Sridhar
Sridhar
8. September, 2021.
Financial planning brings peace in life. Holistic Investment have supported in arriving financial plan based on future goals. My investments are regular since then. They are professionals in their business, will recommend others.
Nitesh Agrawal
Nitesh Agrawal
6. September, 2021.
I have been using Holistic Investment Planners from last one year. The journey has been fantastic. Being a finance person myself I always thought we can look after and plan own finances also. However, due to lack of time and deciplain the things are not always as desired. After joining with Holistic Investment for the first time Icame to know the Financial goals and quantified them. Some dreams were unrealistic based on the earnings and savings so had a reality check. Also got the information and deciplain of investing on regular and more rewarding securities. I definetly suggest to use Holistic Investment Planners. They are professionals, available and hear youor full story before presenting plans. They are flexile in the sense if there are some urgent deviations required, they help to plan the same. For all professionals/individuals I would suggest using professional help of Holistic Investment Planners for best results in long term investment and financial goals achivements. Last advise will be to start early in your life. It really pays well to start in the beginning itself else the dreams needs to adjust :)
Swetha Vasanth
Swetha Vasanth
6. September, 2021.
This is my first year service with the Holistic Team and I would say that they are very much helpful in creating a financial plan and follow ups during the year. I would definitely suggest them if anyone who is willing to proceed with their savings professionally.
Joseph Mathias
Joseph Mathias
6. September, 2021.
I came to know about Holistic Investment Planners online while searching for different investment ideas. Once I contacted them the journey was very smooth. Mr. Ramalingam explained all the aspects of Financial planning in detail and it opened my mind. I realized how important it is to have a Financial planning. Mr. Rajan suggested all the requirements as per my goals and made a Investment plan keeping in mind of my goals. I started my Investment journey with them. I wish I had done it some years back then it would have been in a different level. Review meetings were held every six month to check the implementation of the plan and check the results as per the requirements and to check if any changes required. Overall it was a good experience with Holistic Investment team and would like to continue in the years to come.
Srinvas Kannan
Srinvas Kannan
30. July, 2021.
I came across Holistic investment planners almost 5-6 years back, but I did not have the trust since I had met a few of them who did not sound promising. Then I started investing through a financial advisor of my friend. After 4 years of investing the returns were very low. I was disappointed and started looking for financial advisors when I came across Holistic investment. I had a detailed discussion about my goals and the way they would approach achieving my goal before deciding to switch my investments to them. After a thorough analysis of my then existing portfolios, they suggested new ones and we zeroed-in on 6 schemes/funds where our investment would be split. I am glad I made the decision of switching over and taking Holistic planner's advise, my returns are handsome and I only wish I could have taken their help/advise 5 years back itself. Neverthless, I would like to recommend their services for investment and financial advise if someone is serious about their investments.
Shivaram Andiappan Selvaraj
Shivaram Andiappan Selvaraj
3. July, 2021.
I got a free first time consultation. I got my doubts resolved. They also gave additional advises for investment planning which was also useful.
Nellai B
Nellai B
26. June, 2021.
I have been associated with them for the past three years. They are very professional and polite in answering all our questions. I have complete trust in their suggestions. I strongly recommend for anyone. I am looking forward to have strong and successful association with them.
Google rating score: 4.4 of 5,
based on 61 reviews

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