👋 Hey Gen Z and Millennials! Why You Shouldn’t Ignore Life Insurance Now
Let’s face it — when we’re young, life insurance doesn’t seem exciting. You’re thinking about travel, buying gadgets, investing in mutual funds, or planning a side hustle. But have you ever thought what happens if life throws a curveball?
Enter LIC’s latest launch – Nav Jeevan Shree (Plan 912) and Nav Jeevan Shree Single Premium (Plan 911). These plans, released on July 4, 2025, are designed just for you – the younger generation – to combine guaranteed savings, life cover, and health protection in one simple plan.
✅ What’s New: LIC Nav Jeevan Shree Plans
Two plans, one goal – secure your life and build wealth:
1. Nav Jeevan Shree (Plan 912) – Regular premium plan (monthly, quarterly, half-yearly, yearly).
2. Nav Jeevan Shree Single Premium (Plan 911) – One-time payment and forget!
Bonus Addition: A Critical Illness Health Rider can be added for enhanced health protection.
👶 Why Young Adults Should Care
Here’s why this plan is tailor-made for people in their 20s and 30s:
📈 1. You Get More for Less
The younger you are, the lower the premium. At 25 or 30, you lock in a great deal for decades ahead.
🛡️ 2. Life is Unpredictable – Be Prepared
Accidents or illnesses don’t come with a warning. LIC’s plan offers a life cover plus guaranteed maturity value – so you’re always protected.
💰 3. Guaranteed Additions
No market linkups, no surprises. Your money grows with guaranteed additions every year.
🏥 4. Critical Illness Rider = Health Peace of Mind
A small extra cost gives you a Critical Illness Rider — covering major diseases like cancer, heart attack, etc.
🔄 5. Choose Your Style – SIP or Lumpsum
Whether you prefer small monthly investments or want to invest once and forget, both options are available.
🔍 Let’s Break It Down – Plan Highlights
🧠 Real-Life Example
Meet Ravi, 29 years old, a software developer in Bengaluru. He earns ₹60,000/month and wants to invest smartly for the future.
He chooses Nav Jeevan Shree (912) with a ₹5 lakh sum assured.
He pays around ₹1,500/month.
LIC gives guaranteed additions of ₹60 per ₹1,000 SA, which means ₹30,000 every year.
In 20 years, he gets his ₹5 lakh back + ₹6 lakh in addition.
Plus, life cover and critical illness protection during the entire term.
Result? Ravi is financially secure without sacrificing his lifestyle today.
👨⚕️ About the Critical Illness Rider
Life insurance is good. But with healthcare costs rising, health coverage is even better.
LIC’s Critical Illness Health Rider covers:
- Cancer
- Heart attack
- Stroke
- Major organ failure
- Kidney failure
Why it matters:
Medical bills can wipe out years of savings. With this rider, LIC pays a lump sum if you’re diagnosed with a listed illness. You can use it for treatment, rest, or recovery.
💬 What Makes LIC Trustworthy?
Over 65 years of experience
Government-owned – guaranteed payout
Claim settlement ratio over 98%
Nationwide presence – even in small towns
While other companies push market-linked risky policies, LIC focuses on stable, guaranteed benefits – perfect for first-time earners.
📌 Who Should Buy This?
✔️ Working professionals aged 20–40
✔️ Freelancers or gig workers who need stability
✔️ Young couples planning a family
✔️ Anyone who wants guaranteed returns and protection
🔄 Recap: Why Nav Jeevan Shree is a Great First Step
Start with as low as ₹1,000/month
Build a safe financial cushion
Get covered for life risks
Grow wealth without market risk
Add health protection with Critical Illness Rider
This is not just insurance. This is a lifestyle safety plan for every young Indian.
💬 FAQs
Q1. Can I buy this online?
➡️ Yes. LIC agents can assist you, and online options will be available soon.
Q2. Is this better than ULIPs?
➡️ If you want guaranteed returns and no market risk, then yes.
Q3. Can I exit early?
➡️ Surrender options are available after a minimum premium payment period.
Q4. Can I add my spouse under the same policy?
➡️ No, these are individual plans. But both partners can take separate policies.
🎯 Final Thoughts
Don’t wait till you hit 40 to buy life insurance. Start when premiums are low, and you can afford to invest for the long term. LIC’s Nav Jeevan Shree Plans are perfect for building a secure and stable future without burning your wallet.
🛑 You insure your bike, your phone, and even your laptop. Isn’t your life worth more?
Contact me If you are interested in buying the Policy or any query