People usually opts to take a single policy for a very larger amounts. Because of this they can get the benefits of the policy in a single time or in a short term of period. Instead of making the investments in a single plan for a larger amount if we split the premium amounts in several parts and make the investment in different plans maximum benefit can be enjoyed from LIC. There are various varieties of these combination plans. A simple smart plan is the jeevan chhaya that is explained in the previous post.