LIC पॉलिसी सरेंडर करने से पहले ये 5 बातें जरूर जानें

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](/calculators/surrender-value) 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.