LIC Jeevan Utsav Plan 771: Full Review, Benefits, Examples and Comparison

Hello dosto! Jab bhi hum koi investment ya insurance policy lene ka sochte hain, toh hamare samne sabse badi problem aati hai—Heavy Technical Words! Agent hamein aakar 'Non-Linked', 'Non-Par', 'Sum Assured on Death' jaise bhaari-bhaari shabd samjha dete hain. Natija? Hamein lagta hai ki pata nahi hamari jeb se kitna paisa jaayega aur badle mein kya milega!

Agar aap bhi ek aisi scheme dhoondh rahe hain jahan aapko baar-baar share market ka tension na lena pade, aur aapko life-time ek fix pocket money (pension) milti rahe, toh LIC ki ek policy aajkal bahut charcha mein hai. Iska naam hai LIC Jeevan Utsav (Plan No. 771).

Is article mein hum LIC ke official document "102268- Jeevan Utsav Sales Brochure.pdf" ka pura nichod nikalenge. Hum bilkul aasan Hinglish mein baat karenge, real-life examples dekhenge, aur sabse important—koun sa Premium Paying Term (PPT) aapke liye sabse best hai jahan aapko kam premium bharna pade aur fayda sabse zyada ho, is par detail mein charcha karenge.

1. LIC Jeevan Utsav Plan Kya Hai? (The Basic Concept)

Sabse pehle aasan shabdon mein samajhte hain ki yeh policy aakhir hai kya. LIC Jeevan Utsav ek Whole Life Insurance Plan hai. Iska matlab yeh hai ki yeh policy aapko pure 100 saal ki umar tak cover karti hai.

Brochure ke mutabik, yeh ek Non-Par (Non-Participating) aur Non-Linked individual savings plan hai.

Non-Linked ka matlab: Is policy ka share market (Stock Market) se koi lena-dena nahi hai. Market chahe upar jaaye ya niche gire, aapka paisa bilkul safe hai.
Non-Par ka matlab: Isme milne wala fayda pehle se fixed aur guaranteed hota hai. Company ko profit ho ya loss, aapko jo wada kiya gaya hai, woh paisa LIC aapko stemp paper par likh kar degi. Isme koi discretionary bonus ya share in surplus nahi milta, sab kuch pehle se tay hota hai.

Key Features (Iske mukhya aakarshan):

Limited Premium Paying Term: Aapko zindagi bhar paise nahi bharne hain. Aap khud chun sakte hain ki aapko sirf 5 saal paise dene hain ya 16 saal.
Guaranteed Additions: Jab tak aap premium bharenge, har saal LIC aapke account mein ₹40 prati hazaar (Sum Assured par) jodti jaayegi.
Lifetime Income: Premium khatam hone ke baad aapko har saal aapke Sum Assured ka 10% paisa zindagi bhar milta rahega.

2. Eligibility Criteria: Kaun-Kaun Yeh Policy Le Sakta Hai?

Is policy ko design is tarah kiya gaya hai ki ise ek chhote bachhe se lekar bade buzurg tak sabhi ke liye liya ja sakta hai. Chaliye iski jaruri sharto ko table ke zariye aasan bhasha mein samajhte hain:

Parameter	Minimum (Kam se kam)	Maximum (Zyada se zyada)
Entry Age (Umar)	30 Days (Completed)	65 Years (Nearer Birthday)
Premium Ceasing Age	-	75 Years
Basic Sum Assured (Bima)	₹5,00,000	No Limit (Aapki income ke mutabik)
Income Start Age	18 Years (Completed)	-

Important Note: Agar aap kisi chhotte bachhe (8 saal se kam) ke naam par yeh policy lete hain, toh risk cover policy shuru hone ke 2 saal baad ya bachhe ke 8 saal pure hone par (jo bhi pehle ho) shuru hoga. Agar entry age 8 saal ya usse zyada hai, toh risk cover turant day one se shuru ho jaata hai.

3. Real-Life Example: Nidhi Ka Hisab-Kitab

Chaliye sab kuch clear karne ke liye ek asli zindagi ka example lete hain. Maan lete hain hamari ek reader hain, Nidhi, jinki umar 35 saal hai. Nidhi ne socha ki woh apne future ko secure karne ke liye LIC Jeevan Utsav ka ₹10,00000 (10 Lakh Rupee) ka plan lengi. Is 10 lakh ko insurance ki bhasha mein 'Basic Sum Assured' kehte hain.

Nidhi ne chunna ki woh 10 saal tak premium bharengi. (Iske baaki terms hum aage compare karenge, abhi sirf 10 saal ka hisab dekhte hain).

Official brochure ke Illustration 1 ke mutabik Nidhi ka pura math niche diye anusaar hoga:

A. Nidhi Ne Total Kitna Bhara?

Age at Entry: 35 Years
Premium Paying Term (PPT): 10 Years
Basic Sum Assured: ₹10,00,000
Annual Premium (1st Year with 4.5% GST): Approx ₹1,16,047
Annual Premium (2nd Year onwards with 2.25% GST): Approx ₹1,13,548
Total Premium Paid in 10 Years: ₹11,10,500 (Approx, bina tax ke basic premium ka calculation karein toh).

Toh Nidhi ne 10 saal mein kul mila kar lagbhag 11.10 Lakh Rupee LIC ke paas jama kar diye.

B. Nidhi Ko Total Kitna Milega?

Jaise hi 10 saal pure hue, ab Nidhi ko LIC ko ek bhi paisa nahi dena hai. Ab unki guaranteed kamai ka samay shuru hota hai.

Plan ke mutabik, har saal unhe Guaranteed Addition milta tha jo ki ₹40 per thousand tha. 10 lakh par yeh har saal ₹40,000 bana. 10 saal mein yeh total ₹4,00,000 ka bonus unke account mein fix jud chuka hai.

Ab policy ke 13 saal pure hone par (Table 1 ke mutabik 10 saal ke PPT ke liye 13वें saal se start hota hai), LIC Nidhi ko har saal basic sum assured ka 10% dena shuru karegi:

Har saal milne wali kamai: 10 Lakh ka 10% = ₹1,00,000 (Pura 1 Lakh Rupee).
Kab tak milega: Yeh ₹1 lakh Nidhi ko har saal tab tak milega jab tak woh 100 saal ki umar tak zinda rehti hain.

Maan lijiye Nidhi agle 40 saal tak yeh paisa leti hain, toh unhe sirf is survival benefit se hi ₹40,00000 (40 Lakh Rupee) mil jaayenge!

4. Paisa Wapas Lene Ke Do Options (Regular vs Flexi)

LIC aapko yeh azaadi deta hai ki aap apna ₹1 lakh har saal kaise lena chahte hain. Policy lete waqt aapko do options milte hain:

Option I: Regular Income Benefit

Agar Nidhi ne yeh option chuna, toh har saal unke bank account mein chupchaap ₹1,00,000 credit ho jaayenge aur woh isse apne rozmarra ke kharche ya ghumna-firna maintain kar sakti hain.

Option II: Flexi Income Benefit

Maan lijiye Nidhi kehti hain, "Yaar mujhe abhi is ₹1 lakh ki koi jaroorat nahi hai, mere paas pehle se paise hain." Toh woh Flexi option chun sakti hain.

Isme LIC unka ₹1 lakh apne paas hi rok legi aur us par 5.5% per annum compounding interest (saana bayaj) degi!
Nidhi jab chahein, saal mein ek baar apni is jama rashi ka 75% tak hissa kabhi bhi nikal sakti hain.
Agar nahi nikala, toh yeh paisa badhta rahega aur baad mein unhe ya unke nominee ko ek sath bada amount mil jaayega.

5. Death Benefit: Agar Nidhi Ko Kuch Ho Gaya Toh?

Life ka koi bharosa nahi hai, isiliye insurance jaroori hai. Maan lete hain Nidhi ne 10 saal tak lagbhag 11.10 lakh rupee bhare. Unhone 15-20 saal tak har saal ₹1-1 lakh ka benefit bhi uthaya. Ab agar 75 saal ki umar mein unke sath koi unhoni ho jaati hai, toh unke parivar (nominee) ko kya milega?

LIC unke nominee ko Sum Assured on Death plus accrued Guaranteed Additions degi.

Sum Assured on Death: ₹10,00,000 (Basic Sum Assured)
Guaranteed Additions (10 saal ka): ₹4,00,000
Total Nominee Ko Milega: ₹14,00,000 (14 Lakh Rupee) ekmuhaat (Lumpsum) de diya jaayega.

📝 Rule: Death benefit kisi bhi haal mein total paid premium ka 105% se kam nahi ho sakta. Agar premium bharte samay hi death ho jaati hai, toh jitne saal premium bhara gaya tha utne saal ka Guaranteed Addition jodkar parivar ko turant de diya jaata hai.

6. Premium Paying Term (PPT) Comparison: Kismein Hai Sabse Zyada Fayda?

Ab aate hain is article ke sabse important part par. Brochure ke mutabik aap 5 saal se lekar 16 saal tak ka Premium Paying Term (PPT) chun sakte hain.

Aapka sawal tha: Koun sa term sabse badhiya hai jahan annual premium kam bharna pade aur fayda sabse zyada ho?

Chaliye hum standard lives (Umar 30 saal) ke liye brochure ke Page 11 par diye gaye Sample Illustrative Premium Table ke aadhar par compare karte hain (Bima = ₹5,00,000):

Premium Paying Term (PPT)	Annual Premium (Bina Tax)	Total 5 Lakh Ke Liye Kitna Bhara?	Payout Kab Se Shuru Hoga?	Har saal kitna milega? (10% of 5 Lakh)
5 Years	₹1,09,575	₹1,09,575 x 5 = ₹5,47,875	11th Policy Year	₹50,000
8 Years	₹72,600	₹72,600 x 8 = ₹5,80,800	11th Policy Year	₹50,000
12 Years	₹44,250	₹44,250 x 12 = ₹5,31,000	15th Policy Year	₹50,000
16 Years	₹29,900	₹29,900 x 16 = ₹4,78,400	19th Policy Year	₹50,000

Detail Analysis: Kaun sa term chunein?

1. Agar aapko "Kam Annual Premium" chahiye (12 ya 16 saal ka term):

Agar aapka budget kam hai aur aap chahte hain ki har saal aapki jeb se bojh kam pade, toh 16 saal ka term sabse best hai.

Kyun? Kyunki isme aapko har saal sirf ₹29,900 dena pad raha hai.
Total kitna bhara? Pura 16 saal milakar aapne sirf ₹4,78,400 bhara, jo ki baaki sabhi terms se sabse kam hai!
Nuksan kya hai? Iska nuksan yeh hai ki aapka return (₹50,000 saalana) thoda late, yaani 19 saal ke baad shuru hoga.

2. Agar aapko "Jaldi Return" aur "Kam Total Investment" dono ka balance chahiye (10 to 12 Years Term):

Meri raye mein 10 ya 12 saal ka term ek Sweet Spot hai.

Agar 12 saal ka PPT lete hain, toh saalana premium bhi moderate hai (₹44,250) aur 15ve saal se aapka lakhon ka return shuru ho jaayega.

3. 5 saal ya 8 saal ka term kab lena chahiye?

Yeh un logo ke liye achha hai jinki income abhi bahut high hai par agle 5 saal baad shayad woh job change karne wale hain ya business mein risk lene wale hain. Inka saalana premium bahut bada hota hai (₹1,09,575) par fayda yeh hai ki yeh jaldi free ho jaate hain aur 11ve saal se hi return milna shuru ho jaata hai.

💡 Smart Tip For Maximum Benefit: Agar aap 16 saal ka term chunte hain, toh aapka annual premium sabse kam hota hai aur total investment bhi sabse kam (approx ₹4.78 Lakh) baithta hai. Agar aapke paas lamba samay hai (jaise bache ke naam par lena), toh lamba term chunein taaki premium ka bojh bilkul na lage.

7. Surrender Value Aur Paid-Up Value Kya Hoti Hai?

Kayi baar aisi situation aati hai jab log policy shuru toh kar dete hain par beech mein paise na hone ke karan chal nahi paate. Aise mein do shabdon ko samajhna bahut jaroori hai.

A. Paid-Up Value (Policy chhotna par band na hona)

Agar aapne kam se kam 1 pure saal ka premium bhar diya hai aur uske baad aap paise nahi bhar paate, toh aapki policy puri tarah zero ya cancel nahi hoti. Woh ek Paid-up policy ban jaati hai.

Iska matlab hai ki aapka insurance cover chalata rahega, lekin aapka Sum Assured kam kar diya jaayega (Proportionate basis par).
Note: Agar aapka Paid-up Sum Assured ₹2,00,000 se kam ho jaata hai, toh aapko saalana 10% wala survival benefit nahi milega, sirf death par nominee ko kam kiya hua paisa milega. Agar paid-up value 2 lakh se upar hai, toh kam percentage par saalana income chalu rahegi.

B. Surrender Value (Policy ko bich mein tod kar paisa nikalna)

Agar aap policy ko hamesha ke liye band karke apna paisa wapas nikalna chahte hain, toh ise Surrender kehte hain.

Aap 1 saal ka premium bharne ke baad kabhi bhi surrender kar sakte hain. Lekin aapko 'Guaranteed Surrender Value' tabhi milti hai jab aapne kam se kam 2 full years ka premium bhar diya ho.
Warning: Brochure ke Page 15 par diye gaye Surrender Value Factors ke mutabik, agar aap shuruati saalon (jaise 3-4 saal) mein hi policy surrender karte hain, toh aapko aapke bhare gaye paise ka sirf 30% se 50% tak hi wapas milta hai. Isiliye insurance policy ko kabhi bhi beech mein nahi todna chahiye, isme bahut bada nuksan hota hai.

8. Is Plan Ke Kuch Hidden Benefits (Riders & Loan)

LIC Jeevan Utsav mein aapko kuch extra facilities milti hain jo aapki policy ko aur mazboot banati hain:

1. Loan Facility (Udhari ki suvidha)

Agar aapko achanak koi medical ya family emergency aa jaaye, toh aapko policy surrender karne ki jaroorat nahi hai. Aap apni policy par Loan le sakte hain.

Aap 1 saal ka premium complete hone ke baad loan le sakte hain.
Agar aap income shuru hone se pehle loan lete hain, toh in-force policy par 75% tak ka loan mil sakta hai.
Loan ka jo bhi bayaj (interest) hoga, LIC aapke aane wale saalana ₹1 lakh ke return se khud-ba-khud deduct kar legi, yaani aapko alag se chukane ka tension bhi nahi hai. Brochure ke anusaar, filhal loan par lagbhag 9.5% p.a. compounding half-yearly interest lagta hai.

2. Extra Riders (Extra Suraksha)

Aap thoda sa extra paisa dekar apni policy mein kuch riders jod sakte hain:

LIC's Accidental Death and Disability Benefit Rider: Agar accident se death ya disability hoti hai, toh parivar ko extra bima amount milta hai.
LIC's Premium Waiver Benefit Rider: Yeh sabse best rider hai agar aap policy apne bachhe ke naam par le rahe hain. Agar policy chalane wale parents (Proposer) ke sath koi unhoni ho jaati hai, toh bachhe ke saare future premiums maaf ho jaate hain aur policy bilkul waise hi chalti rehti hai.

9. LIC Jeevan Utsav Ke Pros & Cons (Asli Sach)

Har coin ke do sides hote hain. Chaliye is policy ke nfe-nuksan ka aasan analysis karte hain taaki aap sahi decision le sakein.

PROS (Fayde):

Lifetime Guaranteed Income: Aaj ke zamane mein jab FD aur baaki jagah interest rates lagatar gir rahe hain, LIC aapko zindagi bhar ke liye 10% guaranteed return ka wada de rahi hai.
No Market Risk: Aapka paisa bilkul safe hai. Share market doobe ya mandi aaye, aapka ₹1 lakh ka saalana check safe hai.
Online Purchase Discount: Agar aap bina kisi agent ke, seedhe LIC ki official website (www.licindia.in) Se is policy ko online khareedte hain, toh aapko premium par 10% ka bada discount milta hai!
Tax Benefit: Isme diye jaane wale premium aur milne wale returns par aapko prevailing tax laws ke mutabik Income Tax mein chhoot milti hai.

CONS (Kamiyan):

No Maturity Lumpsum: Bahut se logo ko aadat hoti hai ki 20 saal baad ek sath ₹20-30 lakh mil jaayein. Is plan mein aisa koi ekmuhaat maturity paisa nahi hai. Yeh sirf saalana income aur death benefit ke roop mein hi paisa deta hai.
Inflation (Mahangai) ka chakkar: Jo ₹1 lakh aaj aapko bahut bada lag raha hai, shayad aaj se 30-40 saal baad mahangai ke karan uski power itni na rahe. Is baat ko dhyan mein rakh kar hi bima ka amount decide karein.
Liquidity Lock-in: Shuruati saalon mein paisa nikalna bohot mushkil aur nuksan-dayak hai. Yeh short-term walo ke liye bilkul nahi hai.

10. Important Rules: Free Look Period and Suicide Clause

Blog readers ke liye yeh do baatein jaan na bahut jaroori hai jo aksar log ignore kar dete hain:

Free Look Period (30 Days): Agar aapne yeh policy le li, aur uske baad aapko iske terms and conditions pasand nahi aaye, toh aap policy milne ke 30 din ke andar ise LIC ko wapas kar sakte hain. LIC aapke medical test aur stamp duty ka thoda sa paisa kaat kar aapka pura premium wapas kar degi.
Suicide Exclusion: Agar koi policyholder policy lene ke 12 mahine ke andar suicide kar leta hai, toh parivar ko koi insurance claim nahi milta. In-force policy ke case mein LIC sirf bhare gaye premium ka 80% hissa hi nominee ko wapas karti hai. (Yeh rule 8 saal se kam umar ke bachhon par laagu nahi hota).

11. Conclusion: Kise Khareedna Chahiye Aur Kise Nahi?

LIC Jeevan Utsav (Plan 771) kise lena chahiye?

Agar aap apne bujurgi (Old age) ke liye ek safe, secure aur guaranteed pension chahte hain.
Agar aap apne bachhe ke naam par ek aisi scheme dalna chahte hain, jisse jab woh 18 ya 20 saal ka ho, toh use har saal apni padhai ya kharche ke liye ek fix pocket money milti rahe.
Agar aap ek bilkul Zero-risk investment plan dhoondh rahe hain jahan company ka stemp ho.

Kise nahi lena chahiye?

Agar aap aggressive investor hain jo Mutual Funds, Equity ya Crypto mein invest karke 12% se 15% ka high return chahte hain aur risk lene ko tayar hain.
Agar aapko 5-6 saal ke andar hi bada ekmuhaat paisa wapas chahiye.

Asha hai ki is full detail article se aapko LIC Jeevan Utsav ke saare nfa-nuksan, rules aur premium terms bilkul aasan bhasha mein samajh aa gaye honge. Agar aapka koi bhi sawal hai, toh niche comment box mein jaroor poochein. Happy Investing!

🙋‍♂️ LIC Jeevan Utsav (Plan 771) - Buyer-Centric FAQs

Q1. Agar mere saath koi unhoni ho jaati hai, toh mere nominee ko kya-kya milega?

Ans. Bhagwan na kare aisa ho, lekin agar policy term ke dauran policyholder ki death ho jaati hai, toh nominee ko 'Sum Assured on Death' aur uske saath jitna bhi Guaranteed Addition (bonus) jama hua tha, woh sab jodkar ekmuasht (lumpsum) de diya jaayega. Yeh total amount aapke dwara bhare gaye kul premium ka kam se kam 105% zaroor hoga.

Q2. Kya mera nominee is death benefit ke paise ko pension ki tarah kishton (instalments) mein le sakta hai?

Ans. Haan, bilkul! Ek buyer ke roop mein aap policy lete waqt ya apni zindagi ke dauran kabhi bhi yeh option set kar sakte hain. Aap chun sakte hain ki aapke baad aapke parivar ko pura paisa ek saath mile ya phir 5, 10, ya 15 saal ki kishton (monthly, quarterly, half-yearly ya yearly) mein mile, taaki unka kharch chalta rahe.

Q3. Agar mein apne chhote bachhe ke naam par policy loon aur premium bharne ke dauran meri (proposer) death ho jaaye, toh bachhe ka kya hoga?

Ans. Is situation ke liye aapko policy lete samay LIC’s Premium Waiver Benefit Rider zaroor chunna chahiye. Is rider ka fayda yeh hai ki agar proposer (paise bharne waale mata-pita) ki death ho jaati hai, toh aage ke saare premiums maaf ho jaate hain. LIC khud bachhe ki policy chalayegi aur tay samay par bachhe ko milne waale saare benefits waise hi milenge jaise tay hue the.

Q4. Situation: Agar 3-4 saal baad meri naukri chhoot jaaye ya business mein loss ho jaaye aur mein premium na bhar paoon, toh kya mere paise doob jaayenge?

Ans. Nahi, aapke paise poori tarah nahi doobenge, basharte aapne kam se kam 1 pure saal ka premium bhara ho. 1 saal ka premium bharne ke baad policy poori tarah cancel nahi hoti, balki 'Paid-Up Policy' ban jaati hai. Aapka insurance cover kam amount ke saath chalta rahega.

Income Rule: Agar aapki Paid-Up Sum Assured ₹2,00,000 ya usse zyada baithti hai, toh aapko premium khatam hone ke baad har saal 10% ke bajaye thoda kam (jaise 5%, 6% ya 7% of Paid-up Sum Assured) return milta rahega. Lekin agar value 2 lakh se kam ho gayi, toh saalana return band ho jaayega, sirf death par kam kiya hua death benefit milega.

Q5. Situation: Mujhe beti ki shadi ya medical emergency ke liye achanak ₹5 lakh ki zaroorat hai. Kya mein policy band kiye bina paise nikal sakta hoon?

Ans. Iske liye aapke paas do behtareen raaste hain:

Policy Loan: Aap policy shuru hone ke 1 saal baad kabhi bhi is par loan le sakte hain (in-force policy par surrender value ka 75% tak). Loan ka interest aapke saalana aane waale 10% return se apne aap katata rahega, aapko alag se chukane ki tension nahi hogi.
Flexi Income Option: Agar aapne option II (Flexi) chuna hai, toh jo ₹1-1 lakh aapka LIC ke paas jama ho raha tha, aap saal mein ek baar us jama rashi ka 75% tak hissa kabhi bhi cash nikal sakte hain.

Q6. Situation: Agar policyholder ka accident ho jaaye aur woh kaam karne ke layak na rahe (Disability), toh kya LIC koi madad karegi?

Ans. Haan, basharte aapne policy lete samay LIC's Accidental Death and Disability Benefit Rider liya ho. Is rider mein agar accident ke karan koi permanent disability hoti hai, toh LIC accidental sum assured ke barabar ki rakam ko agle 10 saalon tak barabar monthly kishton mein aapko degi. Saath hi, aapki policy ke aage ke saare premiums bhi maaf kar diye jaayenge.

Q7. Brochure par jo premium likha hai, kya mujhe bas utna hi dena hai ya koi extra charge bhi hai?

Ans. Brochure mein diye gaye premium samples exclusive of taxes hain, yaani unmein GST shamil nahi hai. Jab aap policy khareedenge, toh pehle saal 4.5% aur doosre saal se 2.25% ka GST alag se joda jaayega. Iske alawa, agar aap premium saalana (Yearly) ke bajaye monthly ya quarterly mode mein bharte hain, toh LIC thoda sa extra modal loading charge (1.75% se 3.25% tak) leti hai.

Q8. Kya har saal milne waale ₹1 lakh ke return par mujhe Income Tax dena hoga?

Ans. Is plan mein premium bharne par aur milne waale benefits par aapko prevailing tax laws ke mutabik income tax mein chhoot milti hai. Lekin tax ke naye aur sateek niyamon ke liye policy lene se pehle apne tax advisor se zaroor consult kar lein.

Q9. Situation: Maine agent ke kehne par policy le li, par ghar aakar brochure padha toh mujhe pasand nahi aayi. Kya mein ise cancel karwa sakta hoon?

Ans. Haan, bilkul! LIC aapko 30 dhino ka 'Free Look Period' de rahi hai. Policy document milne ke 30 days ke andar aap written mein objection dekar policy cancel karwa sakte hain. LIC sirf aapke medical test, stamp duty aur jitne din cover chala tha utne din ka risk premium kaat kar aapka baaki pura paisa wapas kar degi.

Q10. Agar mein 5 saal tak premium bharne ke baad policy ko poori tarah band (Surrender) kar doon, toh kya mujhe fayda hoga?

Ans. Bilkul nahi, bhaari nuksan hoga! Brochure ke page 15-16 ke surrender factors ke mutabik, agar aap shuruati saalon mein surrender karte hain, toh aapko aapke kul bhare gaye basic premium ka sirf 50% ke aas-paas hi paisa wapas milega. Isiliye ek smart buyer ke taur par salah yahi hai ki is plan mein tabhi paise lagayein jab aap ise poore premium paying term (PPT) tak chalane ka dumm rakhte hon.