Jan Suraksha Scheme: These 3 schemes are the 'safety circle' of life, they stand by you in difficult times..

It is said that one cannot tell when difficult times will come in front of someone in life. Usually, people who are financially strong secure their lives by making various investments, but what should those who do not have much income do? For such people, the Jan Suraksha Scheme is run in the post office. Under this scheme, there are 3 such schemes which can become a 'suraksha chakra' for a person in difficult times. Their premium is also not very high. People earning a modest income can also invest in it very easily. Know about these schemes here.

First scheme
The first scheme is Pradhan Mantri Jeevan Jyoti Bima Yojana. This is a term insurance plan that provides financial help to your family in your absence. Under this scheme, in case of death of the policyholder, his family is given financial help up to Rs 2 lakh. This help can fulfill many needs of the family in difficult times. If a person wants to take advantage of this government scheme, then he has to buy this plan by paying only 436 rupees annually. 436/12=36.3, i.e., if a person saves even about 36 rupees every month, then he can easily pay its annual premium. Any person between 18 to 50 years can buy this insurance plan.

Second scheme
The second scheme is Pradhan Mantri Suraksha Bima Yojana. This scheme can especially benefit those people who are financially weak and cannot pay the premium of private insurance companies. Suraksha Bima Yojana, started in the year 2015, provides insurance cover of up to 2 lakhs in case of an accident. The annual premium for this scheme is only 20 rupees. This is an amount that even poor people can easily pay. If the insured person dies during the accident, the insurance amount is given to his nominee. On the other hand, if the policyholder becomes disabled, then he gets help of Rs 1 lakh under the rules. The benefit of this scheme can be availed from the age of 18 years to 70 years. If the age of the beneficiary is 70 years or more, then the Pradhan Mantri Suraksha Bima Yojana will be terminated.

Third Scheme
The third scheme, Atal Pension Yojana, is run under the Jan Suraksha Yojana. If you also want to arrange a regular income for your old age, then you can invest in the government's Atal Pension Yojana (APY). Through this scheme of the Government of India, a monthly pension of up to Rs 5,000 can be obtained. However, how much pension you will get depends on your investment. Any Indian citizen who is not a taxpayer and whose age is between 18 and 40 years can contribute to this government scheme. Investment has to be made till the age of 60. Its premium is according to age. The younger you are, the less the premium will be.

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