LIC Bima Kavach 887 Term Insurance Explained in Detail | Surrender, BI & LIC vs Others | Full Review

Описание: In this video, I have explained LIC Bima Kavach Term Insurance Plan in complete detail

🔍 Topics covered in this video:

✔ What is LIC Bima Kavach (Pure Term Plan)
✔ Level Sum Assured vs Increasing Sum Assured
✔ Single, Regular & Limited Premium options (5 / 10 / 15 Pay)
✔ Death Benefit calculation explained with examples
✔ No Maturity Benefit – why it matters
✔ Life Stage Option (Marriage & Child cover increase)
✔ Rider options & instalment death benefit
✔ Benefit Illustration (BI) – how to read it correctly
✔ Surrender Benefit & Unexpired Risk Premium – full clarity
✔ What happens on surrender in 5th / 20th year
✔ LIC Bima Kavach vs Other Term Insurance Plans
✔ Who should buy this plan & who should avoid it

⚠️ Important clarity for viewers

LIC Bima Kavach is a Pure Risk Protection Plan.
It is designed for income replacement, not for returns or surrender value.

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00:00 – Why this video is important before buying a term plan
01:25 – What is LIC Bima Kavach? (Pure Term concept)
03:53 – Level vs Increasing Sum Assured explained
04:57 – Premium options: Single, Regular & Limited Pay
05:30 – Life Stage Option (Marriage & Children)
06:48 – Rider & instalment death benefit option
06:48 – Rider & instalment death benefit option
07:20 –Death Benefit options
08:14 –why early age insurance is important
08:46 –Rebate
08:46 –Eligibility Criteria
08:46 – Grace Period, Free Look and Revival Period
11:40 – Surrender Benefit: common misunderstanding
14:00 – Unexpired Risk Premium explained clearly
16:52 – Surrender in 5th year vs 20th year – what actually happens
19:25 – BENEFIT ILLUSTRATION OF BOTH OPTION, NON SMOKER VS SMOKER
25:30 – LIC Bima Kavach vs other term insurance plans
26:37 – Final advice before buying any term insurance
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