LIC Insurance Plans: Long-term Protection & Amazing Returns 2025
Life Insurance Corporation of India (LIC) is the most trusted insurance company in India. The company offers a variety of insurance plans that provide financial protection as well as high returns. Offering long-term coverage of up to 100 years, these plans are designed for financial security, savings, regular income, and retirement planning. In this article, let us learn in detail about four of the best plans offered by LIC and understand their benefits.
LIC Jeevan Shiromani: Ideal for high-income earners
Features of the scheme
LIC Jeevan Shiromani is a non-linked, individual life insurance savings plan designed for high-income earners. The plan offers financial protection and investment security. The monthly premium starts from Rs. 94,000 for a sum assured of Rs. 1 crore .
Premium payment options
Policyholders can choose monthly, quarterly, half-yearly or annual premium payment options. Long-term benefits can be achieved with just 4 years of premium payment.
Tax benefits
This scheme offers attractive tax benefits under the Income Tax Act, making it a crucial part of financial planning, ensuring financial stability for the family in case of unforeseen circumstances.
LIC Jeevan Anand: High returns with low premium
Benefits of the scheme
This term plan offers substantial returns at a low premium, making it ideal for middle-class and low-income earners. By investing Rs. 45 per day, you can create a fund of up to Rs. 25 lakh. The monthly premium starts from Rs. 1,358.
Bonus and coverage
This scheme offers bonus benefits, but the policy must be maintained for at least 15 years. Premium payment can be monthly, quarterly, half-yearly or annually. This scheme provides coverage for the life of the policyholder.
Family financial security
This scheme ensures financial stability by providing financial assistance to the family in case of emergencies. It helps in meeting the financial needs of the family .
LIC Jeevan Azad: Ideal for children’s education & financial goals
Features of the scheme
This non-linked, non-participating scheme is one of the most popular LIC schemes. The scheme has a tenure of 15 to 20 years, with a minimum sum assured of Rs. 2 lakh and a maximum of Rs. 5 lakh.
Maturity Benefits
A lump sum amount is paid at the time of maturity, which helps in achieving financial goals. People aged 90 days to 50 years can opt for this scheme, which is also suitable for purchasing in the name of children.
Creation of a financial fund
This scheme helps in creating a fund for children’s education, marriage, or other financial goals. It is ideal for achieving stable income goals and offers tax benefits.
LIC Jeevan Umang: Regular Income & Retirement Plan
Regular income
This non-linked, participating, whole life insurance plan offers protection as well as regular income. After the completion of the premium payment period (15, 20, 25 or 30 years), the policyholder will receive 8% of the sum assured every year.
Loan facility
A lump sum is paid at the time of maturity or at the time of death of the policyholder. This scheme provides loan facility and helps in times of financial need. People aged 3 to 55 years can opt for this scheme.
Long-term coverage
Offering coverage up to 100 years, this scheme is ideal for retirement plans and long-term financial goals. It provides flexibility through a loan facility in case of financial emergencies.
Why choose LIC insurance plans?
Reliability & Financial Security
LIC plans are known for their reliability and financial security. They are designed to suit the financial needs of people of different ages. The premium amount varies based on the age, the plan chosen, and the sum assured.
Tax incentives
Offering tax benefits under the Income Tax Act, these schemes make financial planning easier. LIC’s strong financial ethics and customer-centric approach make these schemes a reliable option.
Special features of LIC schemes
Financial protection shield
Provides strong protection to meet unexpected financial needs.
Tax benefits
Tax concessions that reduce the financial burden under the Income Tax Act.
Payment convenience
Monthly, quarterly, semi-annual, or annual premium payment options.
Long-term benefits
Regular income, bonus, and maturity benefits.
Wide coverage
Schemes suitable for all ages, from children to the elderly.
Who are LIC plans suitable for?
These schemes are ideal for those who want to secure the family’s financial future, whether it’s for children’s education, marriage, retirement, or other long-term financial goals. They provide financial stability and peace of mind.
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