Amritbaal is designed specifically for parents building a corpus for a child's education or early-adult milestone. The GA of ₹80/₹1,000 BSA/yr — 60% higher than Bima Jyoti's ₹50 rate — reflects the longer deferral period typical of a child plan (entry 0–13 years, maturity 18–25). The limited-pay options (5, 6, or 7 years) concentrate the premium outflow into an early window while the corpus grows for a decade or more. The single-premium option allows a one-time deployment of a lump sum for the child. The Premium Waiver Benefit rider (on the proposer's life) is the critical protection add-on here — without it, the child plan is at risk if the parent's income stops.

• GA of ₹80/₹1,000 BSA/yr guarantees 2.6× the sum assured at the end of a 20-year term — the highest guaranteed-addition rate in LIC's current non-par lineup.
• Premium paying terms of 5, 6, or 7 years mean the payment burden ends well before the child needs the corpus, and the guaranteed additions continue accruing through the deferral period.
• The Premium Waiver Benefit rider (on the proposer/parent) ensures premiums are waived if the parent dies before the PPT ends, keeping the policy in force for the child.
• Single-premium option available for those who want to make a one-time deployment (e.g., at a child's birth) with no ongoing commitment.
• Entry from birth (0 years) is allowed — the plan can be taken immediately after a child is born, maximising the compounding period.
• As a non-par plan, there is no participating upside. The ₹80/₹1,000 GA is the ceiling, not the floor — if LIC's surplus grows, Amritbaal holders see none of it.

Asymmetrica isn't an insurance advisor. The opinions above are editorial; the numbers in the calculator are computed from the plan's own brochure. Read both, then decide.