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LIC New Jeevan Anand

LIC New Jeevan Anand is a popular life insurance plan offered by Life Insurance Corporation of India (LIC). It is a non-linked, participating, endowment plan that combines the benefits of insurance and savings. Here are some key features of LIC New Jeevan Anand:
1. **Dual Benefits:** This plan provides both death benefits and maturity benefits. In case of the policyholder’s demise during the policy term, the sum assured along with bonuses is paid to the nominee. On survival till the end of the policy term, the maturity benefit is paid which includes the sum assured and accrued bonuses.
2. **Flexible Premium Payment:** Policyholders have the option to choose their premium payment mode, which can be monthly, quarterly, half-yearly, or yearly, based on their convenience.
3. **Bonus Accrual:** The plan participates in the profits of LIC, and policyholders are eligible to receive bonuses declared by the corporation during the policy term.
4. **Loan Facility:** After the policy acquires a surrender value, policyholders can avail of a loan against the policy to meet financial needs.
5. **Surrender Value:** The plan offers a surrender value if the policy is surrendered before the maturity date, subject to terms and conditions.
6. **Riders:** Policyholders can enhance their coverage by opting for additional riders such as accidental death benefit, disability benefit, critical illness benefit, etc., by paying an extra premium.
7. **Tax Benefits:** Premiums paid towards LIC New Jeevan Anand are eligible for tax benefits under Section 80C of the Income Tax Act, and the maturity proceeds are tax-free under Section 10(10D), subject to prevailing tax laws.
It’s important to note that the exact features, benefits, and terms of LIC New Jeevan Anand may vary based on the specific policy variant and the prevailing terms and conditions set by LIC. Prospective policyholders are advised to thoroughly understand the policy document and consult with LIC representatives or financial advisors before making a purchase decision.

Policy Name	Minimum Entry Age	Maximum Entry Age	Maximum Maturity Age	Premium Payment Term	Premium Payment Mode	Policy Term	Rider Benefit	Minimum Basic Sum Assured	Maximum Basic Sum Assured	Description & Features	Advisors
LIC New Jeevan Anand	18 years	50 years	75 years	15 to 35 years	Yearly, Half-yearly, Quarterly, Monthly (ECS only)	15 to 35 years	Accidental Death and Disability Benefit Rider available	Rs. 1 lakh	No limit	Provides insurance coverage and savings. Maturity benefit includes the sum assured and bonuses. Option to receive the maturity benefit in installments. Financial protection for the family in case of the insured's demise.

LIC Jeevan Labh

LIC Jeevan Labh is a popular life insurance policy offered by Life Insurance Corporation of India (LIC), which is one of the leading insurance companies in India. Here are some key points about LIC Jeevan Labh:

Policy Type: LIC Jeevan Labh is a non-linked, limited premium paying endowment insurance plan. This means that it provides both insurance coverage and a savings component.
Policy Term: The policy term for LIC Jeevan Labh can range from 16 to 25 years, depending on the choice of the policyholder.
Premium Payment Term: Unlike the policy term, the premium payment term is limited to a shorter duration. Policyholders can choose to pay premiums for 10, 15, or 16 years, depending on their preference.
Death Benefit: In the unfortunate event of the policyholder’s demise during the policy term, the nominee will receive the sum assured along with bonuses, if any, as the death benefit.
Maturity Benefit: If the policyholder survives the policy term, they will receive the maturity benefit, which includes the sum assured on maturity along with bonuses.
Bonuses: LIC Jeevan Labh participates in the profits of the corporation, which means policyholders are eligible for bonuses declared by LIC during the policy term.
Loan Facility: Policyholders can avail of a loan against the surrender value of the policy, provided the policy has acquired a surrender value and all premiums have been paid.
Surrender Value: If the policy is surrendered before maturity, the policyholder can receive a surrender value, which is a percentage of the total premiums paid, depending on the policy’s duration.
Tax Benefits: Premiums paid towards LIC Jeevan Labh are eligible for tax benefits under Section 80C of the Income Tax Act, and the maturity proceeds are also tax-free under Section 10(10D) of the Act, subject to applicable conditions.

It’s important for individuals considering LIC Jeevan Labh or any other insurance policy to thoroughly understand the terms, benefits, and conditions before making a decision. Consulting with a financial advisor can also provide personalized guidance based on individual financial goals and needs.

Policy Name	Minimum Entry Age	Maximum Entry Age	Maximum Maturity Age	Premium Payment Term	Premium Payment Mode	Policy Term	Rider Benefit	Minimum Basic Sum Assured	Maximum Basic Sum Assured	Description & Features	Advisors
LIC Jeevan Labh	8 years	59 years	75 years	10, 15, or 16 years	Yearly, Half-yearly, Quarterly, Monthly (ECS only)	16, 21, or 25 years	Accidental Death and Disability Benefit Rider available	Rs. 2 lakhs	No limit	Limited premium payment term with long-term coverage. Maturity benefits along with bonuses. Additional death benefit for accidental death. Loan facility available after a certain period.

LIC New Children's Money Back Plan

The LIC New Children’s Money Back Plan is a life insurance policy specifically designed to meet the educational and other financial needs of children. Here are some key features and benefits of this plan:

1. **Survival Benefits**: Under this plan, the child receives survival benefits at specific intervals during the policy term if he/she is alive. These intervals are typically every 5 years starting from the policy anniversary coinciding with or immediately following the child’s 18th birthday.

2. **Maturity Benefit**: If the child survives till the end of the policy term, he/she receives the maturity benefit, which includes the sum assured on maturity along with bonuses declared by LIC.

3. **Death Benefit**: In case of the unfortunate demise of the child during the policy term, the death benefit is paid to the nominee. The death benefit generally includes the sum assured on death along with bonuses, if any.

4. **Premium Waiver Benefit**: This plan may also come with a premium waiver benefit, where in the event of the proposer’s death, the future premiums are waived off, but the policy continues to provide benefits to the child.

5. **Tax Benefits**: Premiums paid towards this plan are eligible for tax benefits under Section 80C of the Income Tax Act, and the maturity/death proceeds are tax-exempt under Section 10(10D) of the Act, subject to conditions.

6. **Flexible Payout Options**: LIC usually offers flexibility in choosing the payout options for survival benefits and maturity benefits, allowing the policyholder to align with their financial goals.

7. **Loan Facility**: Depending on the policy’s terms and conditions, a loan facility may be available against the policy’s surrender value, providing liquidity in times of need.

It’s essential to note that specific details of the LIC New Children’s Money Back Plan may vary based on the policy’s terms, conditions, and options chosen at the time of purchase. Prospective buyers should carefully review the policy brochure and consult with LIC agents or financial advisors to understand the plan comprehensively before making a decision.

Policy Name	Minimum Entry Age	Maximum Entry Age	Maximum Maturity Age	Premium Payment Term	Premium Payment Mode	Policy Term	Rider Benefit	Minimum Basic Sum Assured	Maximum Basic Sum Assured	Description & Features	Advisors
LIC New Children's Money Back Plan	0 years (30 days completed)	12 years	25 years	25 - (Age at entry) years	Yearly, Half-yearly, Quarterly, Monthly (ECS only)	25 years minus the age at entry	Not specified	Rs. 1 lakh	No limit	Designed for children's future financial needs. Periodic payouts during the policy term. Maturity benefit includes the sum assured and bonuses.

LIC Jeevan Umang

LIC Jeevan Umang is a participating non-linked whole life insurance plan offered by Life Insurance Corporation of India (LIC). Here are the key features and benefits of this plan:

Whole Life Coverage: Jeevan Umang provides coverage for the entire lifetime of the policyholder, which means the policy continues until the policyholder’s death or maturity, whichever is earlier.
Death Benefit: In the unfortunate event of the policyholder’s demise during the policy term, the death benefit is paid to the nominee. The death benefit typically includes the sum assured on death, along with bonuses, if any.
Maturity Benefit: If the policyholder survives till the end of the policy term, he/she receives the maturity benefit, which includes the sum assured on maturity along with bonuses declared by LIC.
Survival Benefits: This plan also provides survival benefits in the form of a percentage of the sum assured payable annually after the premium paying term ends and until the maturity date or until the death of the life assured, whichever is earlier.
Guaranteed Additions: Jeevan Umang offers guaranteed additions at the rate of Rs. 50 per thousand rupees of the sum assured for each completed policy year, for the first five policy years.
Bonus: The plan also participates in the profits of LIC and is eligible to receive bonuses declared by the corporation, which are added to the policy and enhance its overall value.
Loan Facility: Policyholders can avail of a loan against the surrender value of the policy, providing liquidity during times of financial need.
Tax Benefits: Premiums paid towards Jeevan Umang are eligible for tax benefits under Section 80C of the Income Tax Act. Additionally, the maturity proceeds or death benefits received are usually tax-exempt under Section 10(10D) of the Act, subject to certain conditions.

It’s important to note that specific details of the LIC Jeevan Umang plan may vary based on the policy’s terms and conditions at the time of purchase. Prospective buyers should carefully review the policy brochure and consult with LIC agents or financial advisors to understand the plan comprehensively before making a decision.

Policy Name	Minimum Entry Age	Maximum Entry Age	Maximum Maturity Age	Premium Payment Term	Premium Payment Mode	Policy Term	Rider Benefit	Minimum Basic Sum Assured	Maximum Basic Sum Assured	Description & Features	Advisors
LIC Jeevan Umang	90 days	55 years	100 years	15, 20, 25, or 30 years	Yearly, Half-yearly, Quarterly, Monthly (ECS only)	Whole life (up to age 100)	Accidental Death and Disability Benefit Rider available	Rs. 2 lakh	No limit	Provides regular income post-retirement till death. Guaranteed survival benefits. Additional annual survival benefits and death benefits.

LIC Tech Term

LIC Tech Term is a term insurance plan offered by the Life Insurance Corporation of India (LIC). Here are the key features and benefits of this plan:

Term Insurance Coverage: LIC Tech Term provides pure term insurance coverage, meaning it offers financial protection to the policyholder’s family in case of the policyholder’s untimely demise during the policy term.
Flexible Sum Assured: Policyholders can choose a sum assured amount based on their financial needs and requirements. The sum assured is the amount paid to the nominee in case of the policyholder’s death during the policy term.
Affordable Premiums: Term insurance plans like LIC Tech Term typically come with affordable premium rates, making it accessible for individuals looking for high coverage at a lower cost.
Death Benefit: In the event of the policyholder’s demise during the policy term, the death benefit is paid to the nominee. The death benefit is usually the sum assured chosen by the policyholder at the time of policy purchase.
Optional Riders: LIC Tech Term may offer optional riders or add-on benefits that can be attached to the base policy for enhanced coverage. Common riders may include accidental death benefit, critical illness rider, waiver of premium rider, etc.
Tax Benefits: Premiums paid towards LIC Tech Term are eligible for tax benefits under Section 80C of the Income Tax Act, subject to prevailing tax laws. Additionally, the death benefit received by the nominee is usually tax-free under Section 10(10D) of the Act.
Online Application and Management: LIC Tech Term can be conveniently applied for and managed online through LIC’s digital platforms, making the process efficient and hassle-free.

It’s important to note that specific details of LIC Tech Term, such as premium rates, coverage options, riders available, and terms and conditions, may vary based on the policy variant chosen and LIC’s prevailing guidelines at the time of purchase. Prospective buyers should carefully review the policy brochure, terms, and conditions, and consult with LIC agents or financial advisors to understand the plan comprehensively before making a decision.

Policy Name	Minimum Entry Age	Maximum Entry Age	Maximum Maturity Age	Premium Payment Term	Premium Payment Mode	Policy Term	Rider Benefit	Minimum Basic Sum Assured	Maximum Basic Sum Assured	Description & Features	Advisors
LIC Tech Term	18 years	65 years	80 years	5 to 40 years	Yearly, Half-yearly, Quarterly, Monthly (ECS only)	10 to 40 years	Accidental Death and Disability Benefit Rider available	Rs. 50 lakhs	No limit	Pure risk cover with no maturity benefit. High coverage amounts. Flexible policy terms and payment options.

LIC New Endowment Plan

The LIC New Endowment Plan is a non-linked, with-profits, endowment life insurance plan offered by the Life Insurance Corporation of India (LIC). Here are the key features and benefits of this plan:

Endowment Plan: It is a traditional endowment plan that combines insurance coverage with savings and investment benefits.
Death Benefit: In case of the unfortunate demise of the policyholder during the policy term, the death benefit is paid to the nominee. The death benefit typically includes the sum assured on death along with bonuses, if any.
Maturity Benefit: If the policyholder survives till the end of the policy term, he/she receives the maturity benefit, which includes the sum assured on maturity along with bonuses declared by LIC.
Bonus: The plan participates in the profits of LIC and is eligible to receive bonuses declared by the corporation. These bonuses are added to the policy and enhance its overall value, providing additional returns.
Loan Facility: Policyholders can avail of a loan against the surrender value of the policy, providing liquidity during times of financial need.
Flexible Premium Payment Options: The LIC New Endowment Plan offers flexibility in choosing premium payment terms, such as regular premium payment throughout the policy term or limited premium payment for a shorter duration.
Tax Benefits: Premiums paid towards the LIC New Endowment Plan are eligible for tax benefits under Section 80C of the Income Tax Act. Additionally, the maturity proceeds or death benefits received are usually tax-exempt under Section 10(10D) of the Act, subject to certain conditions.
Optional Riders: Depending on the policy variant chosen, policyholders may have the option to attach additional riders for enhanced coverage, such as accidental death benefit rider, critical illness rider, etc.

It’s important to note that specific details of the LIC New Endowment Plan, such as premium rates, bonus rates, policy terms, and conditions, may vary based on the policy variant chosen and LIC’s prevailing guidelines at the time of purchase. Prospective buyers should carefully review the policy brochure, terms, and conditions, and consult with LIC agents or financial advisors to understand the plan comprehensively before making a decision.

Policy Name	Minimum Entry Age	Maximum Entry Age	Maximum Maturity Age	Premium Payment Term	Premium Payment Mode	Policy Term	Rider Benefit	Minimum Basic Sum Assured	Maximum Basic Sum Assured	Description & Features	Advisors
LIC New Endowment Plan	8 years	55 years	75 years	12 to 35 years	Yearly, Half-yearly, Quarterly, Monthly (ECS only)	12 to 35 years	Accidental Death and Disability Benefit Rider available	Rs. 1 lakhs	No limit	Provides insurance coverage and savings. Maturity benefit includes the sum assured and bonuses. Option to take the maturity benefit in installments.

LIC Single Premium Endowment Plan

The LIC Single Premium Endowment Plan is a type of endowment life insurance policy offered by the Life Insurance Corporation of India (LIC). As the name suggests, this plan requires the policyholder to pay the premium in a single lump sum at the beginning of the policy term. Here are the key features and benefits of the LIC Single Premium Endowment Plan:

Single Premium Payment: This plan requires a one-time lump sum premium payment at the inception of the policy. It is suitable for individuals who prefer to make a single payment rather than regular premium payments throughout the policy term.
Endowment Plan: It is a traditional endowment plan that provides both insurance coverage and savings/investment benefits.
Death Benefit: In the unfortunate event of the policyholder’s demise during the policy term, the death benefit is paid to the nominee. The death benefit typically includes the sum assured on death along with bonuses, if any.
Maturity Benefit: If the policyholder survives till the end of the policy term, he/she receives the maturity benefit, which includes the sum assured on maturity along with bonuses declared by LIC.
Bonus: The plan participates in the profits of LIC and is eligible to receive bonuses declared by the corporation. These bonuses are added to the policy and enhance its overall value, providing additional returns.
Loan Facility: Policyholders can avail of a loan against the surrender value of the policy, providing liquidity during times of financial need.
Tax Benefits: Premiums paid towards the LIC Single Premium Endowment Plan are eligible for tax benefits under Section 80C of the Income Tax Act. Additionally, the maturity proceeds or death benefits received are usually tax-exempt under Section 10(10D) of the Act, subject to certain conditions.
Flexibility in Policy Term: The policyholder can choose the policy term based on their financial goals and requirements, which can vary from a minimum of 10 years to a maximum of 25 years, depending on the age of the insured.

It’s important to note that specific details of the LIC Single Premium Endowment Plan, such as premium rates, bonus rates, policy terms, and conditions, may vary based on LIC’s prevailing guidelines at the time of purchase. Prospective buyers should carefully review the policy brochure, terms, and conditions, and consult with LIC agents or financial advisors to understand the plan comprehensively before making a decision.

Policy Name	Minimum Entry Age	Maximum Entry Age	Maximum Maturity Age	Premium Payment Term	Premium Payment Mode	Policy Term	Rider Benefit	Minimum Basic Sum Assured	Maximum Basic Sum Assured	Description & Features	Advisors
LIC Single Premium Endowment Plan	90 days	65 years	75 years	Single premium	Lump sum	10 to 25 years	Accidental Death and Disability Benefit Rider available	Rs. 50,000 for age below 55 years, Rs. 1 lakh for age 55 years and above	No limit	Single premium payment with long-term coverage. Maturity benefits along with bonuses. Loan facility available after completion of one policy year.

LIC Aadhaar Stambh

LIC Aadhaar Stambh is a non-linked, non-participating endowment assurance plan offered by the Life Insurance Corporation of India (LIC). It is specifically designed for male lives who hold Aadhaar Card issued by UIDAI (Unique Identification Authority of India). Here are the key features and benefits of LIC Aadhaar Stambh:

Endowment Plan: Aadhaar Stambh is an endowment plan that provides both insurance coverage and savings/investment benefits.
Coverage for Male Lives: This plan is exclusively available for male individuals who hold an Aadhaar Card issued by UIDAI. Female lives can opt for a similar plan called LIC Aadhaar Shila.
Death Benefit: In the event of the policyholder’s demise during the policy term, the death benefit is paid to the nominee. The death benefit typically includes the sum assured on death along with bonuses, if any.
Maturity Benefit: If the policyholder survives till the end of the policy term, he receives the maturity benefit, which includes the sum assured on maturity along with bonuses declared by LIC.
Sum Assured: The sum assured under LIC Aadhaar Stambh is based on the age of the policyholder at the time of policy commencement.
Loan Facility: Policyholders can avail of a loan against the surrender value of the policy, providing liquidity during times of financial need.
Tax Benefits: Premiums paid towards LIC Aadhaar Stambh are eligible for tax benefits under Section 80C of the Income Tax Act. Additionally, the maturity proceeds or death benefits received are usually tax-exempt under Section 10(10D) of the Act, subject to certain conditions.
Bonus: While LIC Aadhaar Stambh is a non-participating plan, meaning it does not participate in the profits of LIC, it may still provide terminal bonuses if applicable.

It’s important to note that specific details of LIC Aadhaar Stambh, such as premium rates, bonus rates, policy terms, and conditions, may vary based on LIC’s prevailing guidelines at the time of purchase. Prospective buyers should carefully review the policy brochure, terms, and conditions, and consult with LIC agents or financial advisors to understand the plan comprehensively before making a decision.

Policy Name	Minimum Entry Age	Maximum Entry Age	Maximum Maturity Age	Premium Payment Term	Premium Payment Mode	Policy Term	Rider Benefit	Minimum Basic Sum Assured	Maximum Basic Sum Assured	Description & Features	Advisors
LIC Aadhaar Stambh	8 years	55 years	75 years	10 to 20 years	Yearly, Half-yearly, Quarterly, Monthly (ECS only)	10 to 20 years	Accidental Death and Disability Benefit Rider available	Rs. 75,000	No limit	Designed for male lives having Aadhaar Card. Provides insurance coverage and savings. Maturity benefit includes the sum assured and bonuses.

LIC Aadhaar Shila

LIC Aadhaar Shila is a non-linked, non-participating endowment assurance plan offered by the Life Insurance Corporation of India (LIC). This plan is specifically designed for female lives who hold an Aadhaar Card issued by UIDAI (Unique Identification Authority of India). Here are the key features and benefits of LIC Aadhaar Shila:

Endowment Plan: Aadhaar Shila is an endowment plan that provides both insurance coverage and savings/investment benefits.
Coverage for Female Lives: This plan is exclusively available for female individuals who hold an Aadhaar Card issued by UIDAI. Male lives can opt for a similar plan called LIC Aadhaar Stambh.
Death Benefit: In the event of the policyholder’s demise during the policy term, the death benefit is paid to the nominee. The death benefit typically includes the sum assured on death along with bonuses, if any.
Maturity Benefit: If the policyholder survives till the end of the policy term, she receives the maturity benefit, which includes the sum assured on maturity along with bonuses declared by LIC.
Sum Assured: The sum assured under LIC Aadhaar Shila is based on the age of the policyholder at the time of policy commencement.
Loan Facility: Policyholders can avail of a loan against the surrender value of the policy, providing liquidity during times of financial need.
Tax Benefits: Premiums paid towards LIC Aadhaar Shila are eligible for tax benefits under Section 80C of the Income Tax Act. Additionally, the maturity proceeds or death benefits received are usually tax-exempt under Section 10(10D) of the Act, subject to certain conditions.
Bonus: While LIC Aadhaar Shila is a non-participating plan, meaning it does not participate in the profits of LIC, it may still provide terminal bonuses if applicable.

It’s important to note that specific details of LIC Aadhaar Shila, such as premium rates, bonus rates, policy terms, and conditions, may vary based on LIC’s prevailing guidelines at the time of purchase. Prospective buyers should carefully review the policy brochure, terms, and conditions, and consult with LIC agents or financial advisors to understand the plan comprehensively before making a decision.

Policy Name	Minimum Entry Age	Maximum Entry Age	Maximum Maturity Age	Premium Payment Term	Premium Payment Mode	Policy Term	Rider Benefit	Minimum Basic Sum Assured	Maximum Basic Sum Assured	Description & Features	Advisors
LIC Aadhaar Shila	8 years	55 years	75 years	10 to 20 years	Yearly, Half-yearly, Quarterly, Monthly (ECS only)	10 to 20 years	Accidental Death and Disability Benefit Rider available	Rs. 75,000	No limit	Designed for female lives having Aadhaar Card. Provides insurance coverage and savings. Maturity benefit includes the sum assured and bonuses.

LIC Bima Jyoti

LIC Bima Jyoti is a non-linked, non-participating, individual, limited premium payment life insurance plan offered by the Life Insurance Corporation of India (LIC). Here are the key features and benefits of LIC Bima Jyoti:

Limited Premium Payment: Policyholders have the option to choose a limited premium payment term, after which they are covered for the entire policy term. This can help individuals plan their premiums more effectively.
Life Insurance Coverage: Bima Jyoti provides life insurance coverage throughout the policy term, offering financial protection to the policyholder’s family in case of the policyholder’s untimely demise.
Maturity Benefit: If the policyholder survives till the end of the policy term, he/she receives the maturity benefit, which includes the sum assured on maturity along with guaranteed additions, if any.
Death Benefit: In the event of the policyholder’s demise during the policy term, the death benefit is paid to the nominee. The death benefit typically includes the sum assured on death along with guaranteed additions, if any.
Guaranteed Additions: Bima Jyoti offers guaranteed additions at the rate of Rs. 50 per thousand rupees of the sum assured for each completed policy year, for the first five policy years.
Loan Facility: Policyholders can avail of a loan against the surrender value of the policy, providing liquidity during times of financial need.
Tax Benefits: Premiums paid towards LIC Bima Jyoti are eligible for tax benefits under Section 80C of the Income Tax Act. Additionally, the maturity proceeds or death benefits received are usually tax-exempt under Section 10(10D) of the Act, subject to certain conditions.
Flexibility in Sum Assured: Policyholders can choose the sum assured amount based on their financial needs and requirements, subject to the minimum and maximum limits specified by LIC.

It’s important to note that specific details of LIC Bima Jyoti, such as premium rates, bonus rates, policy terms, and conditions, may vary based on LIC’s prevailing guidelines at the time of purchase. Prospective buyers should carefully review the policy brochure, terms, and conditions, and consult with LIC agents or financial advisors to understand the plan comprehensively before making a decision.

Policy Name	Minimum Entry Age	Maximum Entry Age	Maximum Maturity Age	Premium Payment Term	Premium Payment Mode	Policy Term	Rider Benefit	Minimum Basic Sum Assured	Maximum Basic Sum Assured	Description & Features	Advisors
LIC Bima Jyoti	90 days	60 years	75 years	10 to 20 years	Yearly, Half-yearly, Quarterly, Monthly (ECS only)	10 to 20 years	Accidental Death and Disability Benefit Rider available	Rs. 1 lakh	No limit	Non-linked, non-participating, individual savings plan. Provides insurance coverage and savings. Maturity benefit includes the sum assured and guaranteed additions.

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