Jeevan Dhara-2 Plan 872
Jeevan Dhara-2 Plan 872
Jeevan Dhara-2 Plan 872 - Premium and Maturity Calculator
Jeevan Dhara-2 Plan 872
LIC Jeevan Dhara-2 Plan 872 is a single and regular premium annuity (pension) plan.
Description
LIC Jeevan Dhara-2 Plan 872
LIC of India has introduced Jeevan Dhara-2 plan 872, a new individual, savings, deferred annuity (pension) plan. LIC Jeevan Dhara-2 Plan 872 is available for sale from 22nd, January 2024. The annuity is guaranteed from inception and 11 annuity options are available to prospective policyholders. There is higher annuity rates at higher ages and life cover will be available during the deferment period.
The minimum age at entry should be 20 years (last birthday) and maximum 80, 70, 65 years minus the deferment period depending upon the annuity option chosen. There is flexibility to choose from, including regular and single premium; single life and joint life annuity; and available deferment period.
Other features of the non-linked, non-participating plan, subject to certain conditions, include incentive by way of increase in the annuity rate for high premium/purchase price/for online sale; top-up annuity and option to receive a lump-sum amount in return of reduction in annuity payments.
The Unique Identification Number (UIN) for LIC’s Jeevan Dhara-II is UIN: 512N364V01
Key Features
- The annuity is guaranteed from inception and 11 annuity options are available to prospective policyholders.
- There is higher annuity rates at higher ages.
- Life cover is available during deferment period.
- There is flexibility to choose from:
- Regular Premium and Single Premium.
- Single Life Annuity and Joint Life Annuity.
- Available Deferment Period [from 5 years to 15 years (in case of Regular Premium) and from 1 year to 15 years (in case of Single Premium)] i.e. when to start annuity payments as per your requirements.
- Mode of Annuity payments (yearly, half-yearly, quarterly and monthly). Annuity Option once chosen cannot be altered.
- There is an option to increase the Annuity (Top-up annuity) under the policy by paying additional premium as a Single Premium and at any time during the deferment period only and while the policy is in-force.
- Option to take death claim proceeds as Lump-sum, in the form of Annuitisation or in instalments.
- Liquidity Option i.e. option to receive a lump-sum amount in return of reduction in annuity payments and other benefits available under annuity options with Return of Premium/ Purchase Price.
- Loan facility shall be available during or after the deferment period under annuity options with Return of Premium/ Purchase Price.
Annuity Options
LIC Jeevan Dhara-2 Plan 872 Parameter/Eligibility
| Parameters | Minimum | Maximum |
| Entry Age | 20 years | 80 minus Deferment Period 70 minus Deferment Period 65 minus Deferment Period |
| Vesting Age | 31 years | 80/70/65 years |
| Policy Term | NA | |
| Deferment Period | 5 to 15] years (Option 1 to 9) [1 to 15] years (Option 10 & 11) | |
Death Benefit
• (A)Single Life: (Options 1 to 7 and 10)
• Death During Deferment period:
• 105% of Total Premiums Paid upto the date of death shall be payable to nominee(s)
• Death After Deferment period: Annuity payment Ceases
• For Life Annuity without return of Purchase Price:(Option 1)
• No Death Benefit is payable and policy will Terminate
• For Annuity options with return of Purchase Price: (Options 2 and 10)
• 100% of Total Premiums Paid shall be payable to nominee(s)
• For Annuity options with return of Purchase Price after attaining ages 75/80/76 to 95 years:(Options 3 to 7)
• 100% of Total Premiums Paid Less Sum of Early Return of Premium already paid till the date of death, if any, shall be payable to
nominee(s)
• (B)Joint Lives (Options 8,9 & 11)
• Death During Deferment period:
• On First Death (of either of the covered lives):
• No Death Benefit shall be payable and policy shall continue with payment of due Premiums, if any
• On death of the last survivor:
• Death Benefit equal to 105% of Total Premiums Paid upto the date of death shall be payable to nominee(s)
• Death After Deferment period:
• On First Death (of either of the covered lives): ( Options 8, 9 & 11)
• No Death Benefit shall be payable and 100% of the annuity amount shall continue to be paid as long as the last survivor is alive.
• On death of the last survivor: Annuity payment Ceases
• Option 8: Life Annuity without return of Purchase Price
• No Death Benefit is payable and policy will Terminate
• Option 9 and 11 with return of purchase price:
• 100% of Total Premiums Paid shall be payable to nominee(s)
Surrender
Under Single Premium Policies: Can be surrendered, any time on payment of Purchase Price.
• Under Regular Premium Policies: Can be surrendered, any time during or after Deferment Period provided
premiums have been paid for at least two consecutive years.
Loan
Available under the options with Return of Premiums
• Within Surrender Value
• During or after the deferment period
• Maximum loan amount such that loan interest should not exceed 50% of the annual annuity payable, subject to
max 80% of the Surrender Value
Revival
Can be done within a period of 5 consecutive years from the date of First Unpaid Premium
Liquidity Option
• Liquidity facility is for annuities with return of premium option only (Under Annuity Options 2, 9, 10 and 11)
• Option to receive portion of the premium/purchase price after 5 years from the commencement of the
annuity
• Annuity and other benefits will proportionately reduced
• Liquidity facility not applicable for topup payments
• Can be exercised maximum 3 times under the policy
• Cannot exceed 60% of total premiums paid
Comments & Reviews
Sheela Kumari Wrote:
2025-04-26 21:15:35
I want to know the benefits if I am purchasing the plan with single premium of 10 lakhs for joint life with mu dan
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ROHIT BAJAJ Wrote:
2025-04-01 14:08:08
If I invest 1Lac annully for 5 years,kindly confirm the monthly benefits+other benits after 5 years
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RAJESH PANDE Wrote:
2025-03-14 11:46:40
If I pay INR 15 L as single premium for Joint policy and for a different period of 1 year. How much monthly annuity I will get. PLease inform as early as possible.
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jagadish vadrevu Wrote:
2024-12-18 09:48:20
please make it more clear about jeevandhara 2 option11
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Ashok T Wrote:
2024-10-28 18:21:06
My DOB is 16/04/1964 and my wife DOB is 22/11/1966 I want to make single premium of 10L with 2 yr deferment, how much i shall get pension for both life and at end what shall be payment of lumpsum, if any. Which scheme s better for me please suggest. Please communicate on to my email astopgi@yamil.com
Thanks.
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Pralhad K Wrote:
2024-09-23 16:42:15
How much monthly pension I will get if I invest 50L in Jeevan Dhara-2 as one single premium for joint life with return of purchase
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Arun Adhikari Wrote:
2024-08-20 16:48:11
Sir, my age is 25, I want to invest 500000/- single premium policy lic jivan dhara-2 , and option 10&11, with differment period, 10 year, how amount pension i can get monthly
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Mahendra Wrote:
2024-08-20 04:03:01
You invested 509000 and got 32150 yearly.it means after completing atleast 16 years your 509000 will cover up .then after 17 years the company will pay you 32150₹ annually.at that time the value of 32150 will be around 3000aprox.what is the joke.dont invest in these instead buy the share of LIC of 500000/- after 15 years you will be in crores.
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Shahid Hussain Wrote:
2024-08-19 10:10:55
8 lakh agar Mai fix kerta hun to monthly ketna pention melega
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Rajkumar Wrote:
2024-08-17 18:53:21
मेरी उम्र 36 है मैं इस मे एक साथ 500000 डाल देता हु और मैं चाहता हु की में मेरी पेंशन एक साल बाद मिलने लगे तो आप बताइए की मुझे कितने वर्ष तक यह पेंशन मिलेगी, और लाइफ इंश्योरेंस इसमें कब तक रहेगा और कितना मिलेगा
Admin Wrote:
2024-08-17 20:59:03
To,
Mr/Mrs/Ms : Rajkumar
Plan : Jeevan Dhara 2 (872)
Annuity Option : [10] Life annuity with Return of Purchase Price for Single Life
Age :36
Deferment Term :1
Sum Assured : 500000
Single Premium : 509000
Annuity Start From Age 37:
Yearly : 32150
Halfly : 15753
Quarterly : 7796
Monthly : 2572
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Biplab Roy Wrote:
2024-08-11 10:01:28
My age is 45, want one time 10 lakhs premium to be paid, for 5 years deferment period. How much yearly pension would i get and from what age? I am non smoker. I want pension to continue after my death to my wife.
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MADAN MOHAN BHATTER Wrote:
2024-08-07 14:21:52
I AM 63 OLD I WANT TO 100000/ INVEST IN THIS.
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Amar Adlakha Wrote:
2024-08-04 12:47:03
अधिकतम कितनी आयु तक पेंशन की प्राप्ति होगी. या क्या पेंशन 100 वर्ष की उम्र तक आयेगी या कम उम्र तक?
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Arun Wrote:
2024-08-04 11:20:34
If I invest, 15 lac, on option 10,11 how amount get pension monthly
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Arunsing Ramesh Bagde Wrote:
2024-07-30 21:08:21
Lic plans policy bay
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Anand Wrote:
2024-07-23 10:44:52
Please inform me how to see the pension chart in table 872
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Vijay Wrote:
2024-07-20 20:03:29
यदि मैं 5 lakh प्लान लेता हूँ sip इन्वेस्टमेंट के लिये कया बाद मे इसको बड़ा कर 10 लाख कर सकता हूँ (topup द्वारा)
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RUPAK KUMAR SINGH Wrote:
2024-07-07 11:16:24
SIR MERI MA KA AGE 70 YEARS HAI .MAI GOVERMENT JOB MAI HUN,MAI APNI MA KE LIYE PENSION YAJNA YANI JEEVAN DHARA II MAI MONTHLY INVEST KARNA CHAHTA HUN TAKI MERI MA KO HAR MAHINE PENSION KE ROOP MAI 2-3 THOUSAND RUPYA MILTA RAHE ,
EKAL YOJNA MAI JAMA KARNA CHAHTA HUN,PLEASE MUJHE BATAYEN KE YADI MERI MA KA 100 YEARS MAI DETH HO JAATI HAI TO KYA DETH CLAM KE ROOP MAI V RUPYA MILTA HAI ,YA KOI AUR SUVIDHA HAI
Admin Wrote:
2024-07-07 12:26:21
You can take this policy for your mother, in case of death of policy holder, nominee will be receive principal amount.
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Sandhya Wrote:
2024-06-29 16:30:50
Maturity calculator of Jeevan Dhara II not available
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Mahabir Bhogta Wrote:
2024-05-05 14:21:18
What shall be the Monthly premium for monthly pension of 50000 after a deferment of 12 years in jeevan dhara 2 for a person of 53 years present age
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Raju Wrote:
2024-05-01 04:54:34
SinglepremiumRs1000000
Anutity one month
Surrender after 5yearshowmuch
Amount get it by proposer
Single premium rs1000000
Age 61years
Annuity one month
Pension per month
If surrender after 5 years
How much we get the amount
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Sanjib Sharmma Wrote:
2024-04-19 11:10:23
আমার বয়স 55বছর 3বছরপরথেকে প্রতিমাসে 40000টাকা পেতে এককালীন কত টাকা জমা করতে হবে।
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jcboruah@gmail.com Wrote:
2024-04-04 13:58:05
please download form plan no 872
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S M SHAH Wrote:
2024-03-31 14:46:47
I AM 56 YEARS OLD MALE. I WANT TO GET RS.18000/- JOINTLY MONTHLY ANNUITY AFTER DEFERMENT PERIOD OF 10 YEARS. HOW MUCH PREMIUM I WILL HAVE TO PAY PER YEAR FOR WHAT TERM FOR JEEVAN DHARA 2 POLICY.
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SATISH SINGH Wrote:
2024-03-26 07:39:50
MY AGE IS 45 YEAR AND PLEASE EXPLAIN ME OPTION 9 AND 11 IN JEEWAN DHARA 2 PLAN ,
HOW MUCH AMOUNT WILL BE INVEST TO RECEIVE PENTION RS 50,000 PER MONTH IN OPTION 9 AND 11
satyaban sabar Wrote:
2024-04-24 13:31:05
My age will be 60 years on May 2024. I am interested for Single premium(joint option) and deferment period is one year.
How much pension per month I will get.(investment is Rs 2,15,000.00 and multiple of 4 to 5 times of it
NANDAN KUMAR Wrote:
2024-04-04 16:47:04
U CAN CONTACT ME
I WILL EXPLAIN IN BRIEF
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KARTIK KISHOR MANGRULKAR Wrote:
2024-03-25 01:48:50
my DOB IS 1998, HOW MUCH I SHOULD INVEST ONE TIME TO GET ME PENSION OF 75000/- PM W.E.F 2038
Mahua Mukherjee Wrote:
2024-04-06 17:35:13
How much should I pay yearly to get 50000/- monthly
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Narayan kumar Wrote:
2024-03-18 08:51:32
sir pls share detail of Jivan Dhara 2 (plan no 872)pension plan
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Nagarajan N Wrote:
2024-03-12 10:11:30
My DoB 12/06/1946
Single Premium Rs. 10 lacs Plan 872
Deferment 1 year
What will be monthly annuity available ?
What will be death benefit to nominee ?
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Lakshmi Wrote:
2024-02-29 03:47:00
How much monthly will i get if i take Single premium single life policy deferrement period 12 years if i invest Rs 125000
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Ashok Kumar Verma Wrote:
2024-02-27 14:01:30
This Jeevan Dhara-2 premium paid can we claimed under 80ccd (1B) for additional 50000 income tax saving over and above 1,50,000.
Kindly confirm
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Sonia Wrote:
2024-02-21 17:51:36
My father age is 65
& he wants to pay 5 years
How much his premium per month
& how much his pension yearly after 5 years?
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Mary Wrote:
2024-02-21 09:01:55
My Brother DOB 29/04/1980.if my brother Get pension 5000 per month.PPT 10 years.option 4 what should be the premium for monthly.
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P S S Roy Wrote:
2024-02-21 06:16:45
I am now 58 years old. If I want to get monthly 50000 Pension per month after 3yrs, how much I should pay one time premium right now? PL help me with the details
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J JAGADEESH BABU Wrote:
2024-02-17 06:59:49
Hi Sir., my DOB is 30/08/1973. i want to open this policy jointly to monthly Rs.10,000/- for PPT 9 years. after 10th year how much will come monthly pension.?? kindly let me know.
Pl send details of the policy LIC Jeevan Dhara-2 Plan 872. My Whatsapp Number is : 8247446556. thank you.
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Deepak Wrote:
2024-02-16 06:53:16
What shall be the Single premium for monthly pension of 25000 after a deferment period of 20 years in jeevan dhara 2 for joint life of 31 years present age.
Amit Soni LIC Advisor Wrote:
2024-03-04 05:00:00
Hello Sir,
Good Morning,
As per your monthly pension required 25000/- month for single premium is 25,99,060 and deferredment period is 12 years as per age count 31years. You will receive yearly pension on 44 years age amount is 3,37,393 with Noramal Coverage start with 25lac and loan / surrender value is also available. Pls. contact or given your contact number for policy
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Nitya Wrote:
2024-02-12 04:52:12
I am 41 years old now and looking for monthly pay out of 50000 INR After 7 years . Can you advise how much premium i need to pay [ prefer annual pay for 7 years ]
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Komila Wrote:
2024-02-11 01:02:32
Age 46 spouse age 50 premium calculator not showing investment 1 lakh per year
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Shiv kumar ysdsv Wrote:
2024-02-08 15:47:05
Hi iam 50year old and I intrest in policy what is best option i am paid premium monthly base and What is derfrement।preiod
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Rohit Dey Wrote:
2024-02-08 07:05:06
Hi Team: I am 50 years old. How much monthly pension will I get if I choose a deferment period of 10 years and pay Rs 10000 monthly premium (Rs 1200000 annual premium). I want to go for regular premium payment plan. Please let me know the monthly pension both for Option 4 and Option 9 respectively. Thank you!
Admin Wrote:
2024-02-08 15:57:09
To,
Mr/Mrs/Ms : Rohit Dey
Plan : Jeevan Dhara 2 (872)
Annuity Option : [04] Life annuity with 100% Return of Premium after attaining age 75 years for Single Life
Age :50
PPT :10
Deferment Term :10
Yly Premium: 120000
1st year Premium With TAX 4.5% :
Yearly : 125400 (120000 + 5400)
Halfly : 63829 (61080 + 2749)
Quarterly : 32203 (30816 + 1387)
Monthly(ECS) : 10797 (10332 + 465)
YLY Mode Average Prem/Day : 343
After 1st year Premium With TAX 2.25% :
Yearly : 122700 (120000 + 2700)
Halfly : 62454 (61080 + 1374)
Quarterly : 31509 (30816 + 693)
Monthly(ECS) : 10564 (10332 + 232)
YLY Mode Average Prem/Day : 336
Annuity Start From Age 60:
Yearly : 100716
Halfly : 49351
Quarterly : 24424
Monthly : 8057
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