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Submit premium once and continue taking pension throughout your life, learn about this new scheme starting from April 1

Saral Pension Scheme is a single premium pension plan, which will have to be paid in full at the time of taking the policy. After this, you will continue to get a fixed pension amount throughout your life. There are two options for taking this plan.

BollyDad Desk by BollyDad Desk
March 10, 2021
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Submit premium once and continue taking pension throughout your life, learn about this new scheme starting from April 1
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Government insurance regulatory body IRDAI (IRDAI) has instructed all insurance companies of the country to start the Saral Pension Plan. This pension scheme will become mandatory from 1 April. IRDA has said that those who take this pension scheme will not get the benefit of maturity. However the purchase price will be refunded up to 100%. As is clear from the name, this plan will be for the whole life.

Under this scheme, two types of annuity plans will be given. An attempt has been made to keep this pension plan very easy so that it is easy to understand. IRDA has issued a circular to all life insurance companies on January 25, under which all insurance companies will bring to market a standard policy called Saral Pension Yojana on or before April 1, 2021. The rate of pension of all insurance companies may vary, but the name of this pension will be simple pension. Next, the name of the company whose policy will be taken.

Pension starts as soon as you take a policy

Saral pension plan is an intermediate annuity plan. That is, it is an immediate scheme. As soon as the policyholder takes the policy, his pension will start. You can also call intermediate annuity as intermediate pension. Now it will depend on you whether the pension is required every month or quarterly, half yearly or annually. If you want every month, then the monthly option has to be chosen. Similarly, the option of choosing the option for quarter, half year and year will be given. Pension will be started accordingly according to the mode we choose. If you choose the monthly pension then after a month, after three months in the quarter, six months in the half and a year in the yearly pension will start.

2 options for taking a policy

Saral pension plan is a single premium pension plan which will pay the entire premium in one go while taking the policy. After this, you will continue to get a fixed pension amount throughout your life. There are two options for taking this plan. First, life annuity with 100 percent return of purchase price. This pension is for single life, that is, this pension will be linked to any one person. As long as the pensioners are alive, they will continue to get pension. After that, the base premium he had paid for taking the policy will be returned to his nominee. In this, tax deducted is not given back.

The second option is given for joint life. In this, pension is attached to both the husband and wife. In this, the husband or wife, who remains alive for a long period, gets a pension. The more pension a person gets while alive, the more pension amount will be given to his spouse if he is not there. When both will not live in this world, then the nominee is given the base price which was paid while taking the policy.

Who can take policy

The minimum age for availing this pension scheme is 40 years. That is, a person of 40 years (female or male) can take it. Anyone up to 80 years old can take this plan. People from 40 years to 80 years can avail this scheme. Under this scheme, you can get pension every month, three months, six months or year round. The minimum investment amount will be decided on the basis of minimum pension.

How much investment will have to be made

If you want to take the benefit of monthly pension, then at least one month will have to invest 1 thousand rupees. In the same way, for a quarterly pension, at least one month will have to invest 3 thousand. It gets full life pension. If you have a serious illness and need money for treatment, then you can withdraw the money deposited in the Saral Pension Scheme. Under this, some list of serious diseases has been given, for which you can withdraw money by surrendering the policy. On surrender, 95% of the base price is returned. That is, 95 percent of the amount that was paid while taking the policy is returned.

Under this scheme (saral pension plan), the option of taking a loan is also given. You can apply for a loan 6 months after the scheme starts. It is important to know how much money we will invest and how much money we will get. Its information has not been given yet because this plan is going to come on 1 April. It will be known about this date or later only.

 

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