LIC Jeevan Utsav Single Premium 883 | 10% Return Myth vs Real IRR | Tax Reality | Child Gift plan

Описание: This video provides a detailed and unbiased analysis of LIC Jeevan Utsav
Single Premium Plan (Plan 883), based on the official Benefit Illustration.

I am Anil Rajpurohit, an IRDAI Licensed Insurance Consultant with over
15 years of experience in the Indian insurance industry.

In this video, you will clearly understand:
• What the “10% guaranteed income” claim actually means
• Why 10% income should not be confused with investment returns
• Real Internal Rate of Return (IRR) ranging from ~6.75% to 6.83%
• Whole life vs death-at-age-80 IRR comparison
• Guaranteed Additions and income structure
• Regular Income vs Flexi Income options
• Tax rules vs practical tax outcomes under current slabs
• Child planning and grandparent gifting case studies
• Who this plan is suitable for, and who should avoid it

This content is educational in nature.
It neither promotes nor criticizes LIC or any insurer.
The objective is to help viewers make informed, data-driven decisions.

Disclaimer:
Insurance is a long-term financial commitment.
Tax laws and benefits may change in the future.
Please consult a qualified advisor before making any purchase decision.

For professional consultation:
Website: www.fffs.in
WhatsApp/Call: +91 99094 03412

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Time Stamp
00:00 – Introduction: LIC Jeevan Utsav Single Premium
00:29 –Child Planning & Grandparent Gifting Concept
01:39 – What is LIC Jeevan Utsav Single Premium
02:59 – LIC Jeevan Utsav Single Premium Plan Structure
03:10 – Product Structure: Non-Linked, Non-Par, Whole Life
03:50 – Eligibility and Policy Framework
04:46 – Guaranteed Additions Explained
05:09 – Guaranteed Additions: Expectation vs Reality
05:26– Income Deferment and Start Timeline
05:45 – Regular Income vs Flexi Income Option
06:04 – Understanding the 10% Income Claim
06:42 – IRR Explained with Numbers
08:40 – Whole Life vs Death at Age 80 IRR
09:14 – Tax Rules vs Practical Tax Outcome
15:12 - 1 Crore Premium and Income and Tax Rule and Tax benefit explain
17:13 -Option 2 Flexi Income
18:44 - Death Benefit and Maturity Benefit
19:56 - Loan, Surrender Benefit , RPU and Rider
21:06 – Suitable Investor Profile
21:48 – Who Should Avoid This Plan
23:19 – Final Balanced Verdict