Marriage is a lifelong partnership built on love, trust, and shared dreams. Financial planning is an important part of that journey. To help couples secure their future together, LIC New Jeevan Saathi (Single Premium) offers life insurance protection and guaranteed savings benefits under a single policy.

This innovative plan allows couples to enjoy insurance coverage for both husband and wife through a single premium payment, eliminating the need for regular premium commitments while ensuring long-term financial security.

💖 What is LIC New Jeevan Saathi (Single Premium)?

LIC New Jeevan Saathi (Single Premium) is a Non-Par, Non-Linked, Joint Life Endowment Savings Plan designed exclusively for married couples. It combines life insurance protection and guaranteed savings in one policy.

Under this plan, only one premium is paid at the beginning of the policy, and both spouses remain covered throughout the chosen policy term.

✨ Key Features

💰 One-Time Premium Payment

The biggest advantage of this plan is its simplicity.

✅ Pay premium only once

✅ No future premium obligations

✅ Long-term coverage with a single investment

Perfect for individuals who prefer hassle-free financial planning.

👫 Joint Life Coverage

A single policy covers both spouses.

❤️ Financial protection for husband and wife

❤️ One policy document

❤️ Simplified policy management

This helps couples plan their financial future together while reducing administrative complexity.

📈 Guaranteed Additions

The policy offers Guaranteed Additions of ₹70 per ₹1,000 Basic Sum Assured every year throughout the policy term, helping increase the overall benefit payable under the plan.

Benefits include:

✨ Predictable growth

✨ Guaranteed value enhancement

✨ Better long-term financial planning

🛡️ Guaranteed Death Benefits

The plan provides financial support to the surviving spouse and family in case of an unfortunate event.

Two death benefit options are available at policy inception, allowing couples to choose coverage according to their needs.

🎁 Maturity Benefit

If both lives survive until maturity, the policy pays:

💰 Basic Sum Assured

➕ Guaranteed Additions

= Maturity Benefit

This can help achieve important financial goals such as retirement planning, children's education, wealth creation, or future investments.

🏦 Loan Facility

The policy offers a loan facility subject to LIC rules and conditions.

✔️ Financial flexibility

✔️ Emergency liquidity support

✔️ Access to funds without disturbing long-term plans

🎯 Optional Riders

Additional protection can be obtained through optional rider benefits available on payment of extra premium.

These riders can strengthen overall financial security for the family.

🌈 Special Benefits

🎉 High Sum Assured Rebate

Higher coverage amounts may qualify for attractive rebates.

🎁 Loyalty Benefits

Special concessions may be available for eligible existing LIC policyholders and nominees as per plan provisions.

💎 Who Should Buy This Plan?

This plan is ideal for:

👨‍👩‍👧 Newly Married Couples

💼 Working Professionals

🏡 Families Planning Long-Term Security

👴 Individuals with Surplus Funds

📈 Investors Seeking Guaranteed Benefits

💰 Couples Looking for One-Time Investment Solutions

📊 Plan Highlights

❤️ Why Choose LIC New Jeevan Saathi (Single Premium)?

✔️ One Investment, Long-Term Benefits

No recurring premium commitments.

✔️ Joint Financial Protection

Both spouses remain covered under one policy.

✔️ Guaranteed Benefits

Fixed and predictable benefits unaffected by market fluctuations.

✔️ Wealth Creation

Build a financial corpus while enjoying life insurance protection.

✔️ Trusted LIC Assurance

Backed by the strength and trust of India's largest life insurer.

🚀 Conclusion

LIC New Jeevan Saathi (Single Premium) is a unique financial solution for married couples who want insurance protection and guaranteed savings through a single investment. With joint life coverage, guaranteed additions, maturity benefits, and flexible death benefit options, it helps create a strong financial foundation for the future.

Whether you are planning for family security, retirement, or wealth creation, this plan offers a simple and effective way to achieve your goals together.

📞 Need a Personalized Illustration?

Contact us today for premium calculations, benefit illustrations, and expert guidance based on your age and financial objectives.

❤️ One Premium. Two Lives Protected. A Lifetime of Financial Security. ❤️

Disclaimer: Policy benefits, guaranteed additions, eligibility criteria, and terms are subject to LIC's official policy brochure and prevailing regulations. Please read all policy documents carefully before purchasing.