Insurance · LIC

LIC plans,compared clearly.

All 42 plans LIC sells today, with the details that matter — eligibility, cover, income and maturity — and a checker that shows which plans fit your age. Guided by a relationship with LIC that began in 1998.

Compare all plans Check plans for your age

Money insightfrom Sudhir Shukla

₹5,000 a month · 20 years

₹0

is what a disciplined SIP could grow to at an assumed 10% a year — from ₹12 L invested.

Try the SIP calculator

Illustrative figures. Not a guarantee of returns.

All 42 LIC plans

Every LIC plan,side by side.

Every plan LIC sells today, from endowment and money-back to term, pension, unit-linked and health. Open any plan for its full details, or tick up to three to compare.

PlanAge to joinCover lastsCover amountCompare

18 – 50 years25 yearsFrom ₹2 lakh, no upper limit
30 days – 55 years (by premium term)17 – 40 yearsFrom ₹3 lakh, no upper limit
8 – 59 / 54 / 50 years (by term)16, 21 or 25 yearsFrom ₹2 lakh
18 – 50 years13 – 25 yearsFrom ₹2 lakh
30 days – 60 years (by premium term)10 – 20 yearsFrom ₹5 lakh, no upper limit
30 days – 60 years15 – 20 yearsFrom ₹1.25 lakh
8 – 50 years12 – 35 yearsFrom ₹2 lakh
18 – 50 years15 – 35 yearsFrom ₹2 lakh
18 – 50 years (both lives)10, 15, 20 or 25 yearsFrom ₹3 lakh, no upper limit
18 – 60 years (both lives)10, 15, 20 or 25 yearsFrom ₹3 lakh, no upper limit
30 days – 65 years10 – 25 yearsFrom ₹1 lakh, no upper limit
30 days – 55 years (by premium term)Up to age 100From ₹2 lakh
30 days – 65 years (by premium term)Whole lifeFrom ₹5 lakh
30 days – 65 yearsUp to age 100From ₹5 lakh, no upper limit
8 – 55 years (by term)14, 16, 18, 20, 24 or 28 yearsFrom ₹10 lakh, no upper limit
13 – 50 years20 yearsFrom ₹2 lakh, no upper limit
13 – 45 years25 yearsFrom ₹2 lakh, no upper limit
Child aged 30 days – 13 years10 – 25 years (maturity at child’s age 18–25)From ₹2 lakh
30 days – 12 years25 minus age at entryFrom ₹2 lakh, no upper limit
0 – 12 years25 minus age at entryFrom ₹2 lakh, no upper limit
18 – 65 years10 – 82 years (cover to 100)From ₹2 crore, no upper limit
18 – 45 years5 – 30 years₹50 lakh – ₹5 crore
18 – 45 years15 – 40 years (cover to 75)₹50 lakh – ₹5 crore (higher case by case)
18 – 45 years10 – 42 years (cover to 60)₹5 lakh – ₹24 lakh
18 – 65 years10 – 40 years (cover up to age 80)From ₹50 lakh
18 – 65 years5 – 40 years (cover to 70)₹5 lakh – ₹25 lakh
18 – 45 years5 – 30 years₹50 lakh – ₹5 crore (from ₹20 lakh against a sanctioned loan)
18 – 45 years15 – 40 years (cover to 75)₹50 lakh – ₹5 crore (higher case by case)
25 – 85 years (by option)For lifeFrom ₹1 lakh amount invested (₹10 lakh below age 30)
18 – 70 years minus waiting periodWaiting period 2 – 15 yearsVesting from age 30 to 70
30 – 79 yearsWaiting period 1 – 5 yearsFrom ₹1.5 lakh amount invested
25 – 75 years10 – 42 years (retirement date 35 – 85)From ₹3,000 a month / ₹1 lakh single
40 – 80 yearsFor lifeMinimum pension ₹1,000 a month
18 – 100 years (by option)For lifeFrom ₹1 lakh amount invested
90 days – 60 years10 – 25 years7× or 10× the yearly premium
90 days – 70 years10 – 25 years1.25× or 10× single premium
18 – 65 years (50 for 5-yr premium term)10, 15, 20 or 25 yearsMultiple of annual premium
30 days – 65 years10 – 25 years7× or 10× the yearly premium
18 – 65 years (children 90 days – 20)15 yearsDaily hospital cash; surgical benefit as a multiple
18 – 65 years10 – 15 years₹15 – 35 lakh minimum (by age), up to ₹50 lakh
18 – 55 years12 – 20 years₹1 lakh – ₹2 lakh
18 – 55 years10 – 15 years₹1 lakh – ₹2 lakh

Plan checker

Which plans fityour age?

Set your age and the cover you want, pick up to three popular LIC plans and their terms — see straight away whether you are eligible, and how the plans compare. We’ll send official premium quotes on WhatsApp.

Your details

Age of the person insured

yrs

0 yrs65 yrs

Cover amount

₹

₹1.25 L₹5 Cr

Plan 1

Classic savings plus life cover, with bonuses.

Policy term

Premium term

20 years

Plan 2

Limited premium endowment — pay for fewer years.

Policy term

Premium term

15 years

Plan 3

Guaranteed lifelong income of 10% of the cover amount every year.

Policy term

Whole life

Premium term

Feature	New Endowment Plan · 714	Jeevan Labh · 736	Jeevan Utsav · 771
Type	Endowment · Earns bonuses	Endowment · Earns bonuses	Whole Life · Fixed, guaranteed
Age to join	8 – 50 years	8 – 59 / 54 / 50 years (by term)	30 days – 65 years (by premium term)
Cover lasts	12 – 35 years	16, 21 or 25 years	Whole life
You pay for	For the whole policy term	10, 15 or 16 years	5 – 16 years
Minimum cover	₹2,00,000	₹2,00,000	₹5,00,000
If you pass away	Higher of cover amount or 7× the yearly premium, plus bonuses declared by LIC (never less than 105% of the premiums you paid).	Higher of cover amount or 7× the yearly premium, plus bonuses declared by LIC (never less than 105% of the premiums you paid).	Higher of cover amount or 7× the yearly premium, plus guaranteed yearly additions (never less than 105% of the premiums you paid).
Regular income	—	—	10% of cover amount every year for life, starting from the 11th–19th policy year (depends on premium term). Can be deferred at 5.5% p.a. under the Flexi option.
At the end	Cover amount + bonuses declared by LIC.	Cover amount + bonuses declared by LIC.	No maturity — income continues for life.
Highlights	Earns bonuses from LIC’s profits · Loan facility · Maturity in instalments option	Pay premiums for 10–16 years only · Earns bonuses from LIC’s profits · Loan facility	Guaranteed yearly additions ₹40 per ₹1,000 of cover for each premium year · Guaranteed lifelong income · Non-participating: benefits fixed
Official details	LIC brochure · UIN 512N277V03	LIC brochure · UIN 512N304V03	LIC brochure · UIN 512N363V02

Need the exact premium for these plans?

Share your age and the cover you want — we’ll send official LIC premium quotes and help you compare.

Get quotes on WhatsApp

Keep this result

Send to Sudhir

Illustrative only. Plan rules are summarised from LIC’s current sales brochures; benefits assume all premiums are paid and the policy stays in force. Insurance is the subject matter of solicitation — read the sales brochure and policy document before concluding a sale.

Riders

Add-ons thatwiden the cover.

Available with most LIC plans for a small extra premium. Which riders fit depends on the plan.

Accident Benefit Rider
An extra cover amount paid if death is due to an accident. UIN 512B203V03
Accidental Death & Disability Benefit Rider
Extra cover on accidental death, and instalments plus premium waiver on accidental permanent disability. UIN 512B209V02
New Term Assurance Rider
Additional term cover on the base plan. UIN 512B210V02
premium-waiver add-on
Future premiums waived if the proposer (usually a parent) dies. UIN 512B204V04
Critical Illness Health Rider
Lump sum on diagnosis of a listed critical illness. UIN 512B227V01
Female Critical Illness Benefit Rider
Cover for critical illnesses specific to women. UIN 512B226V01
Linked Accidental Death Benefit Rider
Accidental death cover for unit-linked plans. UIN 512A211V02

Frequently asked questions

Which LIC plan is best for me?

It depends on what you need the plan to do — pure protection (term), a lump sum for a goal (endowment), lifelong income (Jeevan Umang / Jeevan Utsav) or a child’s milestones (Amritbaal). Most families are best served by adequate term cover first, with savings plans chosen for specific goals.

What is the difference between bonus plans and guaranteed plans?

Participating (bonus) plans share in LIC’s profits through reversionary and final additional bonuses that are declared each year and are not guaranteed in advance. Non-participating plans add fixed Guaranteed Additions, so the benefit is known on day one.

How do I get the exact premium?

Premiums depend on age, plan, term, sum assured, payment mode and rebates. Share your details with us on WhatsApp or the contact form and we will send official LIC quotes for the plans you are comparing.

Can you help with existing LIC policies?

Yes — revivals, loans against policies, nominations, address changes, maturity and claim support. Our relationship with LIC goes back to 1998.

Insurance is the subject matter of solicitation. For more details on risk factors, terms and conditions, please read the sales brochure and policy wording carefully before concluding a sale. Plan details are summarised from LIC’s sales brochures available on licindia.in and may change; the policy document prevails. The information on this website is for general educational purposes only and does not constitute investment, tax or legal advice. Please consult a qualified professional before making financial decisions.

Let’s Plan Your Next Chapter

Your dreamsdeserve a plan.

Let’s understand where you are today, where you want to go and how we can help you plan the journey ahead.

Book a Personal Consultation Chat on WhatsApp

+91 91525 90155 ssiiserve@gmail.com