🏛️ OFFICIAL ACTUARIAL CALCULATORS • ALL PLANS 2026

LIC Calculators Online

Calculate accurate premiums, maturity returns, bonus additions, loan amortizations, and death benefits across all official LIC of India life insurance plans.

Plan 894 • NEW

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LIC Saral Jeevan Raksha (894)

Affordable youth pure term insurance (Ages 18–45). Compare 10/15-Yr limited pay, single pay, and cover up to Age 60.

Pure Term • ₹5L–₹24L Calculate 894 →

Plan 859

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LIC Saral Jeevan Bima (859)

IRDAI standard pure term plan. Compare 5/10-Yr limited pay, single pay, 45-day waiting period rules, and cover to Age 70.

Standard • ₹5L–₹25L Calculate 859 →

Plan 887 • ₹2 Cr+

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LIC Bima Kavach (Plan 887)

High-value pure term insurance for HNIs. Level vs Increasing cover (doubling to 200%), life stage benefits, & cover to Age 100.

HNI • ₹2 Cr to No Limit Calculate 887 →

Plan 875

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LIC Yuva Term (Plan 875)

Digital-exclusive pure term insurance for young adults (18–45). Level vs Increasing Cover (up to 200%) & non-smoker discounts.

Youth Digital • ₹50L+ Calculate 875 →

Plan 955 / 855

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LIC New Jeevan Amar (955)

Flagship agent-assisted pure term plan. Level vs Increasing Sum Assured, non-smoker rebates, and coverage up to Age 80.

Offline Term • ₹25L+ Calculate 955 →

Plan 877 • Loan Guard

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LIC Yuva Credit Life (877)

Decreasing pure term cover for home & business loan protection. Matches loan amortization schedules with single/limited pay.

Loan Cover • ₹50L+ Calculate 877 →

Plan 870 • ROP

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LIC Jeevan Kiran (Plan 870)

Return of Premium (ROP) term plan. Get 100% of all paid premiums back on maturity along with high life risk protection.

ROP Term • ₹15L+ Calculate 870 →

Plan 736 / 936 • POPULAR

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LIC Jeevan Labh (736 / 936)

LIC's highest-bonus limited pay plan (16-10, 21-15, 25-16). Calculate reversionary bonuses, FAB, and tax-free maturity corpus.

Limited Pay • High Bonus Calculate 736 →

Plan 915 • ALL-TIME FAV

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LIC Jeevan Anand (Plan 915)

Double death benefit endowment + lifelong risk cover. Full maturity corpus payout plus lifelong 100% cover up to age 100.

Endowment + Whole Life Calculate 915 →

Plan 714 / 914

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LIC New Endowment (714 / 914)

Standard participating endowment plan. Flexible terms (12 to 35 Yrs), regular bonus additions, and secure tax-free maturity.

Regular Pay • Guaranteed Calculate 714 →

Plan 717 / 917

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Single Premium Endowment (717)

1-Time lump sum investment plan. High bonus allocation, immediate loan facility, and multi-fold maturity growth.

Single Pay • Tax Free Calculate 717 →

Plan 733 / 933

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LIC Jeevan Lakshya (733 / 933)

Family security & Kanyadan plan. Provides 10% annual income benefit + premium waiver + full maturity corpus on demise.

Child Target • 10% Income Calculate 733 →

Plan 890 / 860

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LIC New Bima Jyoti (890)

Guaranteed additions of ₹50 per ₹1,000 SA every single year. Limited pay options (PT - 5) with guaranteed non-market returns.

Guaranteed ₹50/1k • Limited Calculate 890 →

Plan 881 • Women

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LIC New Bima Lakshmi (881)

Women-exclusive savings plan with periodic 15% money-back cash payouts every 5 years and guaranteed additions.

Women Only • Money Back Calculate 881 →

Plan 770

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LIC Bima Platinum (Plan 770)

Premium HNI wealth builder with step-up Guaranteed Additions, short premium paying terms, and high capital security.

HNI Savings • Guaranteed Calculate 770 →

Plan 912 / 162

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LIC Nav Jeevan Shree (912)

High Sum Assured limited pay plan (6, 10, 15, 20 Yrs PPT) with 5-year initial Guaranteed Additions and participating bonuses.

HNI • ₹50/1k GA + Bonus Calculate 912 →

Plan 888 / 889 • Joint

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LIC New Jeevan Sathi (888 / 889)

Joint-life cover for husband and wife. Single Pay (888) and Limited Pay (889) with double life protection on single policy.

Couple Plan • Double Cover Calculate 889 →

Plan 745 / 945 • 8% LIFETIME

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LIC Jeevan Umang (745 / 945)

Guaranteed 8% annual survival income for life after PPT until Age 100, plus massive tax-free maturity and life cover.

8% Income • Till Age 100 Calculate 745 →

Plan 771 / 871 • 10% GUARANTEED

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LIC Jeevan Utsav Limited (771)

Guaranteed 10% annual lifelong income with short 5 to 16 Yrs PPT, Guaranteed Additions of ₹40/1k SA, & Flexi Income option.

10% Lifelong • Limited Pay Calculate 771 →

Plan 883 • Single Pay

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Jeevan Utsav Single Pay (883)

1-Time lump sum whole life income plan. Guaranteed 10% yearly cash flow for life starting after deferment period.

1-Time • 10% Lifelong Calculate 883 →

Plan 858 • Pension

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LIC New Jeevan Shanti (858)

Deferred annuity pension plan. Lock high guaranteed lifelong pension rates today with 1 to 12 years deferment.

Deferred Annuity • Single Calculate 858 →

Plan 862 • Immediate

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LIC Saral Pension (Plan 862)

Standard immediate annuity pension. Start receiving guaranteed lifelong monthly pension from next month with 100% ROP.

Immediate Pension • 100% ROP Calculate 862 →

Plan 774 / 874 • TOP CHILD

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LIC Amritbaal (Plan 774)

Highest guaranteed addition in LIC history (₹80 per ₹1,000 SA/yr). Short 5, 6, 7 yrs PPT for child higher education & marriage.

Child • ₹80/1k Guaranteed Calculate 774 →

Plan 734 / 934

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LIC Jeevan Tarun (734 / 934)

Child flexible education plan. 4 survival benefit options (0%, 5%, 10%, 15% SB from Age 20 to 24) plus big maturity at 25.

Ages 20–25 Payouts Calculate 734 →

Plan 732 / 932

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Children's Money Back (732)

Milestone survival payouts of 20% each at ages 18, 20, and 22, followed by remaining 40% + bonuses at age 25.

Age 18, 20, 22 Milestones Calculate 732 →

Plan 720 / 920

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LIC Money Back 20 Yrs (720)

Pay for 15 years. Receive 20% Sum Assured at 5th, 10th, and 15th policy year, plus remaining 40% + bonus at 20th year.

15 Yrs Pay • 20% SB Payouts Calculate 720 →

Plan 721 / 921

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LIC Money Back 25 Yrs (721)

Pay for 20 years. Receive 15% Sum Assured at 5th, 10th, 15th, and 20th year, plus remaining 40% + bonus at 25th year.

20 Yrs Pay • 15% SB Payouts Calculate 721 →

Plan 863 • Half PPT

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LIC Dhan Rekha (Plan 863)

Pay premium for only half the policy term (e.g., pay 10 yrs for 20 yrs term). Enjoy periodic money-back + Guaranteed Additions.

Pay Half Term • Guaranteed Calculate 863 →

Plan 852 • ULIP

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LIC SIIP (Plan 852)

Systematic investment ULIP with 4 fund options, guaranteed additions, refund of mortality charges, and equity growth.

Equity ULIP • FMC Refund Calculate SIIP →

Plan 849 • Single ULIP

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LIC Nivesh Plus (Plan 849)

1-Time single premium ULIP. High allocation rate, choice of growth/equity funds, and guaranteed additions.

Single Pay ULIP Calculate 849 →

Plan 873 • Index

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LIC Index Plus (Plan 873)

Index-linked ULIP investing directly into Nifty 50 and Nifty Next 50 index funds with life risk protection.

Nifty Index ULIP Calculate 873 →

LICHFL Tool

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LIC Home Loan (LICHFL) Calculator

Calculate monthly EMI, home loan interest rates, prepayment interest savings, and Section 24/80C tax benefits.

EMI & Tax Savings Calculate EMI →

Bonus Tool

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LIC Bonus & FAB Calculator

Check declared simple reversionary bonus rates and Final Additional Bonus (FAB) slabs for all participating policies.

Bonus & FAB Slabs Check Bonus →

Policy Tool

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LIC Surrender Value Calculator

Estimate Guaranteed Surrender Value (GSV) and Special Surrender Value (SSV) before terminating or making policy paid-up.

GSV vs SSV Payout Check Surrender →

Tax Tool

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LIC GST Calculator

Calculate exact GST impact: 4.5% on 1st year premium, 2.25% on renewals for traditional plans, and 18% on term/riders.

1st Yr & Renewal GST Calculate GST →

Loan Tool

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LIC Policy Loan Calculator

Check maximum eligible loan against your LIC policy surrender value and calculate half-yearly interest repayments.

Max 90% SV Loan Check Loan →

How to Choose the Right LIC Insurance Plan for Your Financial Goals

Life Insurance Corporation of India (LIC) is India's largest and most trusted sovereign-backed insurer. With dozens of active insurance plans covering pure protection, child education, wealth creation, lifelong income, and retirement pensions, choosing the right plan requires matching your specific financial milestones with the correct policy structure:

1. Pure Term Insurance (Maximum Life Cover at Lowest Cost)

If your primary goal is replacing your economic value and protecting your dependents against premature demise, opt for pure term insurance:

For First-Time Buyers & Working Class: LIC Saral Jeevan Raksha (Plan 894) or LIC Saral Jeevan Bima (Plan 859) for simple ₹5L to ₹25L coverage without heavy medical checks.
For Young Tech & Salaried Adults: LIC Yuva Term (Plan 875) for digital discounts and increasing cover options up to 200%.
For HNIs & Business Owners: LIC Bima Kavach (Plan 887) for multi-crore risk protection (₹2 Cr+) and coverage extending up to Age 100.
For Home Loan Borrowers: LIC Yuva Credit Life (Plan 877) for decreasing amortized loan safety.

2. Guaranteed Lifelong Income & Retirement Pensions

To generate predictable, tax-free cash flow in retirement without stock market volatility:

LIC Jeevan Utsav (Plan 771 / 883): Offers 10% guaranteed annual income for life after paying premiums for just 5 to 16 years (or 1-time single pay in Plan 883).
LIC Jeevan Umang (Plan 745 / 945): Provides an 8% annual survival benefit for life after PPT, culminating in a massive maturity payout at age 100.
LIC New Jeevan Shanti (Plan 858): Lock in guaranteed lifelong monthly pensions today with 1 to 12 years of deferment.

3. Guaranteed Child Education & Marriage Funds

Ring-fence your children's future education funds against all market uncertainties:

LIC Amritbaal (Plan 774): Unprecedented ₹80 per ₹1,000 SA guaranteed addition every year with short 5, 6, or 7-year premium paying terms.
LIC Jeevan Tarun (Plan 734): Flexible 4-option survival payouts between ages 20 and 24 to cover semester college fees.
LIC Jeevan Lakshya (Plan 733 / 933): Guarantees 10% annual income benefit upon parent's demise plus premium waiver and full maturity corpus at target milestone.

4. High-Yield Limited Pay Endowment Plans

For disciplined wealth accumulation with sovereign safety:

LIC Jeevan Labh (Plan 736 / 936): LIC's most celebrated limited-pay participating policy offering the highest historical bonus rates.
LIC Bima Jyoti (Plan 890): Guaranteed additions of ₹50 per ₹1,000 SA compounded annually.
LIC Single Premium Endowment (Plan 717): 1-Time lump sum investment with high bonus accrual and liquidity.