Life insurance is something almost everyone needs, but the cost can often prevent people from getting the right coverage. True, buying life insurance generally becomes more expensive as you get older....
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Life insurance is probably the most beautiful thing you’ll ever buy for the ones who truly depend on you. It’s your way of letting them know, that no matter what happens in life they can always count on you.
Before purchasing life insurance, you should learn the various types of policies offered. Choose a plan that comes from only highly credible company of India…
Life Insurance Corporation of India
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BEFORE PURCHASING
LIC POLICY
LIC offer you with a wide range of policies, which will make your life secured. easy and quick. Consider following points before purchasing LIC policy for you.
Different insurance plans address different needs. Depending on your life stage and goals, select the plan which helps you achieve the same you need most.
Your coverage amount should be dependent on your future financial needs as well as account for inflation. What may seem enough now, may not be sufficient.
Age is one of the primary factors for premium calculation. So younger you are, lesser the premium. Start early and secure a low-cost cover for long term.
Most of the insurance plans have certain terms under which the benefits are withheld. Read the product brochure carefully before buying and know the exclusions.
Ensure the details provided by you are true. Providing incomplete or false information can lead to claim rejection and thus beating the core objective of being insured.
Purchasing your policy online is fast and convenient. Since you avoid the intermediaries, this is often a cheaper mode of purchase. You can also track your policy online.
What's In LIC Policy For Me?
Life Protection
Protect your loved ones against uncertinity in life. LIC policy is protection as well as investment.
Retirement Planning
Sustain your lifestyle after retirement. Buy LIC Pension plan today and relax at tomorrow.
Finance Planning
Plan and achieve financial goals, doesn't matter how market going to up and down
Inflation Shield
Inflation is increasing every day passed. Secure your investment from risk of market downfall.
Save Tax
Add LIC premium in your tax return and claime it as deduction upto maximum limit of Rs.1,50,000.
Secure Child Future
Be prepared for the responsibilities of your growing child. Buy LIC policy for child's education & marriage.
LIC's Insurance Plans
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LIC's Jeevan Pragati Plan is a non-linked, with - profits plan which offers a combination of protection and savings. This plan provides for automatic increase in risk cover after every five years during the term of the policy. This plan also takes care of liquidity needs through loan facility. The increasing risk cover is an important feature, provides adequate risk cover against inflation as the years passes.
LIC's Jeevan Labh is a limited premium paying, non-linked, with-profits endowment plan which offers a combination of protection and savings. This plan provides financial support for the family in case of unfortunate death of the policyholder any time before maturity and a lump sum amount at the time of maturity for the surviving policyholder. LIC's Jeevan Labh is plan for all.
LIC's Single Premium Endowment Plan is a participating non-linked savings cum protection plan, where premium is paid in lump sum at the outset of the policy. This provides financial protection against death during the policy term with the provision of payment of lumpsum at the end of the selected policy term in case of his/her survival.
LIC's New Endowment Plan is a participating non-linked plan which offers attractive combination of protection and saving features. LIC's New Endowment Plan's this combination provides financial support for the family of the deceased policyholder any time before maturity and good lump sum amount at the time of maturity for the surviving policyholders.
LIC's New Jeevan Anand Plan is a participating non-linked plan which offers an attractive combination of protection and savings. This combination provides financial protection against death throughout the lifetime of the policyholder with the provision of payment of lumpsum at the end of the selected policy term in case of his/her survival. This plan also takes care of liquidity needs through its loan facility.
LIC's Jeevan Rakshak Plan is a participating non-linked plan which offers a combination of protection and savings. This plan provides financial support for the family in case of unfortunate death of the policyholder any time before maturity and a lump sum amount at the time of maturity for the surviving policyholder. This plan also takes care of liquidity needs through its loan facility.
LIC's Limited Premium Endowment Plan is a participating non-linked plan which offers a combination of protection and savings. This plan provides financial support for the family in case of unfortunate death of the policyholder any time before maturity & a lump sum amount at the time of maturity for the surviving policyholder.
LIC's Jeevan Lakshya is a participating non-linked plan which offers a combination of protection and savings. This plan provides for Annual Income benefit that may help to fulfill the needs of the family, primarily for benefit of children, in case unfortunate death of Policy holder any time before maturity & lump sum amount at the time of maturity irrespective of survival of the Policyholder.
LIC’s Aadhaar Shila Plan offers a combination of protection and savings. This plan is exclusively designed for female lives having Aadhaar Card issued by UIDAI This plan provides financial support for the family in unfortunate death of the policyholder any time before maturity and a lump sum amount at the time of maturity for the surviving policyholder.
LIC’s Aadhaar Stambh Plan offers a combination of protection & savings. This plan is exclusively designed for male lives having Aadhaar Card issued by UIDAI. This plan provides financial support for the family in case of unfortunate death of the policyholder any time before maturity and a lump sum amount at time of maturity for the surviving policyholder.
LIC's Navjeevan plan is a Non-Linked" With Profit " Endowment Assurance plan. Under this plan the premium can be paid either as Lump sum (Single premium) or as Limited Premium with a premium payment term of 5 years. This plan will also be available through online application process. This plan is available for purchase through both online & offline.
LIC’s Jeevan Umang plan offers a combination of income and protection to your family. This plan provides for annual survival benefits from the end of the premium paying term till maturity and a lump sum payment at the time of maturity or on death of the policyholder during the policy term.In addition, this plan also takes care of liquidity needs through loan facility.
LIC's New Money Back Plan-20 years is a participating non-linked plan which offers an attractive combination of protection against death throughout the term of the plan along with the periodic payment on survival at specified durations during the term. This unique combination provides financial support for the family.
LIC's New Money Back Plan-25 years is a participating non-linked plan which offers an attractive combination of protection against death throughout the term of the plan along with the periodic payment on survival at specified durations during the term. This unique combination provides financial support for the family.
LIC's New Bima Bachat is a participating non-linked savings cum protection plan, where premium is paid in lump sum at the outset of the policy. It is a money-back plan which provides financial protection against death during the policy term with the provision of payment of survival benefits at specified durations during the policy term.
LIC's New Children’s Money Back Plan is a participating non-linked money back plan. This plan is specially designed to meet the educational, marriage and other needs of growing children through Survival Benefits. In addition, it provides for the risk cover on the life of child during the policy term and for number of survival benefits on surviving.
LIC's JEEVAN TARUN is a participating non-linked limited premium payment plan which offers attractive combination of protection and saving features for children. This plan is specially designed to meet the educational and other needs of growing children through annual Survival Benefit payments from ages 20 to 24 years and Maturity Benefit at the age of 25 years.
Anmol Jeevan II from LIC is a protection plan designed to offer financial protection to the family of an insured individual in the event of his/her unfortunate demise. While life in itself is invaluable, not securing it could have harmful repercussions, which is where this plan comes into play, ensuring that the lives of our loved ones are not impacted in the event of an unfortunate circumstance.
New Amulya Jeevan II is a great protection plan that monetarily secures family members in case of an untimely death of the policy holder. As the name suggests this is a high-value plan where the minimum benefit value is 25 lakh INR. The uniqueness of the LIC Term Plan is that a policy member could obtain high-value fiscal support for the family member against very low premium payments.
LIC's New Jeevan Nidhi Plan is a traditional with-profits pension plan which encompasses savings and protection features. LIC's New Jeevan Nidhi Plan is a conventional with profits pension plan, a combination of protection and saving features. LIC's New Jeevan Nidhi Plan provides for death cover during the deferment period and offers annuity on survival to the date of vesting.
LIC's Jeevan Akshay VI Pension Plan is an Immediate Annuity Plan best for people who are retired and are looking for stable options of income. LIC's Jeevan Akshay VI is an Immediate Annuity plan, which can be purchased by paying lump sum amount. The plan provides for annuity payments of a stated amount throughout the life time of the annuitant. Various option are available for payment.
Pradhan Mantri Vaya Vandana Yojana (PMVVY) is a flagship pension scheme for senior citizens, Government of India in the Budget Speech of 2018-19 has announced the enhancement of maximum limit under PradhanMantri Vaya Vandana Yojana to Rs. 15 lakhs per senior citizen. The period of sale for this scheme has also been extended upto 31st March, 2020.
This is a single premium plan wherein the Policyholder has an option to choose an Immediate or Deferred annuity. The annuity rates are guaranteed at the inception of the policy, both Immediate and Deferred Annuity and annuities are payable throughout the life time of Annuitant(s). This plan can be purchased offline as well as online. Please log on to our website www.licindia.in
LIC’s Bima Shree plan offers a combination of protection and savings. LIC’s Bima Shree is specially designed for
High Net-worth Individuals. This plan provides financial support for the family in case of unfortunate death of the policyholders during the policy term. Periodic payments shall also be made on survival of the policyholder at specified durations during the policy term and lump sum payment.
LIC’s Jeevan Shiromani plan offers a combination of protection and savings. This plan is specially designed for High Net-worth Individuals. This plan provides financial support for the family in case of unfortunate death of the policyholders during a policy term. Periodic payment shall also be made on survival of policyholder at specified durations.
LIC's New endowment plus policy, the investment risk in investment portfolio is borne by the policyholder. The linked insurance products do not offer any liquidity during the first five years of the contract. The policyholders will not be able to surrender/ withdraw the monies invested in linked insurance products completely or partially till the end of fifth year.
The Corporation reserves the right to accept at original terms, accept at revised terms or decline the revival of a discontinued policy. The revival of discontinued policy shall take effect only after the same is approved by the Corporation and is specifically communicated in writing to the Policyholder. Revival of rider, if opted for, will be considered along with revival.
LIC’s New Jeevan Mangal is a protection plan with return of premiums on maturity, where you may pay the premiums either in lump sum or regularly over the term of the policy. This plan has an in-built Accident Benefit which provides for double risk cover in case of accidental death. Policyholders can also pay their premiums in the form of one-time lump sum amount.
The LIC's Bhagya Lakshmi Plan Plan is a limited payment plan that offers excellent protection. LIC’s Bhagya Lakshmi is a non-par limited payment protection oriented plan with return of 110% of total amount of premiums payable on maturity where the premium paying term is 2 years lesser than the policy term. Get policy eligibility below.
LIC's Jeevan Arogya is a unique non-participating non-linked plan which provides health insurance cover against certain specified health risks and provides you with timely support in case of medical emergencies and helps you and your family remain financially independent in difficult times. So as caring person, why let any medical emergencies shatter your peace of mind.
LIC’s Cancer Cover is a regular premium payment health insurance plan which provides financial protection in case the Life Assured is diagnosed with any of the specified Early and/or Major Stage Cancer during the policy term. The policy can be purchased offline as well as online. The plan offers two benefit options of Sum Insured. To purchase the policy online please log on www.licindia.com.
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