For §80C tax saving
Endowment plans whose annual premium fits comfortably inside the ₹1.5 L §80C ceiling, with maturity proceeds tax-free under §10(10D) when the 10× SA rule is met.
Home LIC plans
All LIC plans
Every active Life Insurance Corporation of India policy — 42 plans across 8 categories, with eligibility, surrender rules, premium estimates, and an opinionated take per plan.
Find a plan by what you want from it
Most people search for "LIC plan for <goal>" rather than by category. These editorial buckets group plans by intent so you don't need to know the family taxonomy first.
For a child's future
Plans designed around a future lump sum — typically aligned to higher-education timelines — that pay an annual income to family on early death.
For periodic income (money-back)
Money-back family — survival benefits at fixed intervals during the term, balance + bonuses at maturity. Useful if you'd rather see cash flows than a single lump sum.
For lifelong cover
Whole-life family — sum assured continues past the maturity year. Useful if the goal is leaving an estate rather than meeting a target lump sum.
For retirement income
Pension family — premiums in working years convert to a regular annuity once you retire.
Pure protection (term)
Term plans pay only on death — no maturity, no bonuses. They're 8–12× cheaper than endowment for the same death benefit and are the right answer when the question is genuinely insurance.
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Browse by category
LIC's own taxonomy — useful when you already know the family you're looking at. Each plan links through to its calculator + review.
Endowment (9)
- Jeevan Labh · 736
Limited-pay endowment — pay 10/15/16 yrs, mature in 16/21/25.
- New Jeevan Anand · 715
Endowment + whole-life cover — SA continues after maturity.
- New Endowment · 714
The classic. Regular-premium savings + life cover.
- Jeevan Lakshya · 733
Endowment with annual income to family on early death.
- Single Premium Endowment · 717
Pay once up front, get maturity + bonuses at the end.
- Amritbaal · 774
Child-focused endowment with guaranteed additions.
- Bima Jyoti · 860
Non-par endowment — guaranteed addition of ₹50/₹1,000 SA.
- Nav Jeevan Shree · 912
Newer participating endowment with limited-pay options.
- Bima Lakshmi · 881
Recent participating endowment with money-back-style payouts.
Whole-life (3)
Money-back (5)
- Bima Shree · 848 Live
High-SA money-back with guaranteed additions and survival benefits.
- New Money Back — 20 Years · 720 Live
20-year plan with payouts at year 5/10/15 + maturity.
- New Money Back — 25 Years · 721 Live
25-year plan with payouts at year 5/10/15/20 + maturity.
- New Children's Money Back · 932 Live
Money-back tied to a child's age milestones (18, 20, 22) + maturity at 25.
- Jeevan Tarun · 934 Live
Education-focused money-back for ages 0–12 with 4 payout options.
Term (8)
- Digi Term · 876
Online-only term plan, lower premiums, no agent commission.
- Digi Credit Life · 878
Decreasing term cover for outstanding loans, online-only.
- Yuva Credit Life · 877
Loan-protection term plan for younger borrowers.
- Yuva Term · 875
Pure protection term plan for ages 18–45.
- New Tech-Term · 954
Online term plan with single/regular/limited-pay options.
- New Jeevan Amar · 955
Offline term plan via agents — level or increasing SA.
- Saral Jeevan Bima · 859
IRDAI-mandated standard term plan — same features at every insurer.
- Bima Kavach · 879
Newer term plan with return-of-premium option.
Pension (5)
- New Pension Plus · 867
Unit-linked deferred pension — corpus → annuity at vesting.
- Jeevan Akshay-VII · 857
Immediate annuity — pay lump sum, get pension for life.
- New Jeevan Shanti · 758
Deferred annuity — wait N years, then pension for life.
- Saral Pension · 862
IRDAI-mandated standard immediate annuity plan. Guaranteed income for life from a lump sum.
- Smart Pension
LIC's proprietary immediate annuity with 10+ options, wider age range (30–85), and joint-life for lineal descendants.
ULIP (4)
Micro-insurance (1)
Rider (7)
- Accident Benefit Rider
Doubles SA on accidental death. Add-on, not standalone.
- Premium Waiver Benefit Rider
Future premiums waived on proposer's death. For child plans.
- Accidental Death & Disability Rider
Lump sum on accidental death; instalments on permanent disability.
- New Term Assurance Rider
Adds pure-term cover on top of a base savings plan.
- Linked Accidental Death Benefit Rider
Accidental death benefit add-on for ULIP / unit-linked plans.
- Critical Illness Health Rider
Lump sum on diagnosis of listed critical illnesses.
- Female Critical Illness Benefit Rider
Critical illness rider scoped to female-specific conditions.
Working with an existing LIC policy?
- Surrender value calculator + guide — what you'd get if you exited today.
- Paid-up value calculator + guide — keep the policy without paying further premiums.
- Policy loan calculator + guide — borrow up to 90% of surrender value.
- LIC policy analyzer — multi-policy hold vs surrender vs paid-up comparison at the alt-return rate you choose.
- Cash value, explained — what "surrender value" actually means.
- LIC Bonus Rates 2024-25 — every plan's declared SRB and FAB, with downloadable CSV / JSON and a sourcing disclaimer.
- Glossary — every term used on this site, defined plainly.
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