LIC policy surrender karne ka nirnay bahut bada hai - aur aksar log jaldbaazi mein yah galati karte hain. Maine 31 varshon mein hazaron logon ko dekha hai jo surrender ke baad pachtaate hain.

Surrender karne se pehle ye 5 baatein zaroor jaanein:

1. Paid-Up ka Vikalp Aazmaaein

Agar 3 saal ka premium bhar chuke hain, toh policy paid-up ho sakti hai. Matlab: premium band karein, lekin policy maturity tak chalti rahegi. Kam rashi milegi, lekin zero toh nahi.

2. Loan ka Vikalp

Lagbhag sabhi LIC endowment aur money back plans par 3 saal baad 90% surrender value tak loan milta hai. Byaaj dar: 9-10% per annum. Cash ki zaroorat ho toh loan lein - policy bani rahegi.

3. Surrender Value ki Ganana Karein

Pehle sateek surrender value pata karein. Hamare surrender value calculator ka upyog karein. Aksar log sochte hain zyada milega, lekin milta kam hai.

4. Bhavishya ki Maturity ka Hisaab Lagaaein

Maan lijiye surrender par ₹2 lakh milte hain, lekin agar 10 saal aur chalaayein toh ₹12 lakh milenge. Kya wakai abhi ₹2 lakh ki zaroorat hai?

5. Tax ka Asar

Nai tax regime mein LIC ka premium 80C se baahar hai. Lekin surrender se mili rashi par tax dena pad sakta hai.

Kab Surrender Sahi Hai?

  • ▸Policy sach mein bahut kharaab thi (1990 ke daur ki purani money back)
  • ▸Parivar ki medical emergency - aur koi raasta nahi
  • ▸Loan ki EMI na bhar paana - aur policy loan bhi nahi bachi

Surrender karne se pehle 9415313434 par ek baar Ajay sir se baat karein.