Jivan Saral Surrender

POSTED BY Ashish Patel ON August 10, 2013 4:32 pm COMMENTS (3)

Dear All,

I have purchased a Jivan Saral in March 2009. My monthly premium is Rs. 10000 and policy term is 35 years. My MSA is around 52 lakhs as given in policy document. Now my qurerries are as below;

1. Should i continue policy for 35 yrs?

2. If i want to surrender policy after 10 yrs. what will be my returns if we calculate based on the declared LA ?

3. Declared LA will be applicable for my case or not?

4. If i want to surrender after 5 yrs. then what will be my return?

Please reply i am searching this answers from long time……………


3 replies on this article “Jivan Saral Surrender”

  1. Dear Ashish, do you love your family or your agent’s family?



  2. Mohit Pandey says:

    Ashish, if you surrender the policy you will get only 30% of total premium paid – 1st yeas premium. I would suggest batter made the policy paid up and purchase a pure tern insurance for life cover…..

    1. Jagdish Gahlot says:

      I also have the same policy but in my bond it is written 80% after 3 years 90% after 4 years and 100% after 5 years. Is that wrong? where 1st year premium will not be counted in premium paid.

Leave a Reply

Your email address will not be published. Required fields are marked *

This site uses Akismet to reduce spam. Learn how your comment data is processed.