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If I surrender LIC's Jeevan Anand policy after paying three years premium, how do I calculate the surrender value? If this is 30% of two years premium (first year premium is not considered), then it will mean a huge loss. Do they add the bonus accrued to the above amount?
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{ 2 Answers… read them below or add one }
Call the agent that sold you the policy. If that is not possible then call the LIC customer service help lines. The customer service contact numbers are listed here:
http://www.licindia.in/phone_helpline.htm
Walk into the branch which issued the policy. You can get the surrender value over the counter.
It is a costly policy. Yes you will have a loss. The loss will be much greater if you continue till maturity.
Insurance is an expense , not an avenue for investment. Go for PURE TERM COVER only.
Visit wwwaegonreligare.com and calculate premium yourself. Their rates are one of the lowest.
Have a look at their online policy , increasing cover policy & critical illness riders.
In case you want to take PURE TERM COVER from LIC , then , first take TERM COVER and surrender your policy after that.
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