10 LIC Plans to Invest in 2025

LIC Policies are the best option for investing your hard-earned money. As LIC is a government-backed entity, one can be assured that one's money is safe. LIC of India has offered several policies that combine insurance protection with wealth accumulation.

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From traditional endowment plans to innovative ULIPs, LIC provides a diverse range of options. Explore these top-rated plans and choose the best LIC policy to secure your and your loved one’s future while maximizing your investment potential.

List of 10 LIC Plans to Invest in 2025

Life can be unpredictable, and it is essential to protect ourselves and our loved ones financially. LIC helps us bear these circumstances and offset some of the economic risks that come with them. 

The LIC offers an extensive range of insurance products to cater to the various requirements of insurance buyers. Customers can choose from pure protection to endowment plans, money-back plans, and unit-linked insurance plans per their requirements. The best LIC policy that you need must fulfill your desired criteria of security and investment for your loved ones.

The 10 Best LIC Policy 2025 you should consider investing in are detailed below. 

LIC Policies Policy Type  Entry Age Maximum Maturity Age Policy Term Minimum Sum Assured (Rs.)
LIC Index Plus Unit-linked insurance plan 90 days- 60 years 85 years 10-25 years 7 - 10 times the annualized premium
LIC Nivesh Plus Unit-linked insurance plan 90 days- 70 years 85 years 10-25 years 1.25- 10 times the single premium
LIC Jeevan Umang Whole-Life Plan 30 days-55 years 15/20/25/30 years 100 years Min- Rs. 2,00,000
Max- No upper limit
LIC Jeevan Utsav Whole Life Insurance plan 30 days -65 years NA 100 years minus(-) the age at entry Min- Rs. 5,00,000 Max- No upper Limit
LIC New Pension Plus Pension Plan 25 years-75 years 85 years 10-42 years Unit Fund Value or Assured Death Benefit
LIC New Jeevan Shanti Pension Plan 30 years-79 years 80 years NA NA
LIC New Jeevan Anand Endowment 18 years -50 years 75 years 15-35 years 2 Lakh
LIC New Jeevan Amar Term Insurance Plan 18 years - 65 years 80 years 10 - 40 years 25 Lakhs
Max- No upper limit
LIC Amritbaal Endowment Plan 30 days -13 years 20 years 25 years 7-10 times in Limited Premium Payment
1.25-10 times in Single Premium Payment.
LIC Jeevan Labh Endowment Plan 8 years -59 years 75 years 16/21/25 years 2 Lakhs

** The Maximum Entry Age and Maximum Maturity Maturity Age vary per the Policy Term chosen

* Disclaimer: Policybazaar does not endorse, rate, or recommend any particular insurer or insurance product offered by an insurer.

We have described the key features of the above-mentioned LIC Policy details to help you make the most informed decision. 

  1. LIC Index Plus

    LIC Index Plus is a ULIP plan that offers the dual benefits of life insurance coverage and savings. It allows you to secure your financial future, and you can customize your plan according to your needs.

    Key Features:

    • If the insured person outlives the policy's maturity date and has paid all the premiums, they'll receive an additional sum equal to the total amount of charges deducted for life insurance coverage, along with their Maturity Benefit. This benefit is known as Refund of Mortality Charges. 

    • Policyholders will receive Guaranteed Additions as an additional benefit as the policy matures. These additions are a percentage of your annual premium and are added to your fund after specific durations.

    • This plan allows you to choose your investment funds from:

    • Flexi Growth Fund: Benchmarked against the NSE Nifty100 index,

    • Flexi Smart Growth Fund: Benchmarked against the NSE Nifty50 index.

  2. LIC Nivesh Plus

    LIC Nivesh Plus is a single premium ULIP plan that offers the combined benefits of life protection and wealth creation. The plan offers the flexibility to choose the type of Sum Insured and also have a choice of investing the premium in one of the four types of investment funds available as per your risk appetite.

    Key Features:

    • Policyholders will receive the predetermined guaranteed additions as a percentage of Single Premium, which will be added to their unit fund value.

    • The plan offers an Accidental Death Benefit Rider and provides additional protection.

    • After the policy's fifth anniversary, you can withdraw some of your money, either as a fixed amount or a set number of units. This feature allows policyholders to deal with any unforeseen financial crisis.

  3. LIC Jeevan Umang

    LIC Jeevan Umang is a whole life insurance plan that guarantees an income source for your family in case of your unfortunate demise during the policy term. This plan offers several benefits, including the death benefit, maturity benefit, and annual survival benefit.

    Key Features 

    • The policy provides a death benefit if the Life Assured under this plan dies during the policy term.

    • If the Life Assured survives the maturity period, (s)he is eligible to receive a maturity benefit equal to the basic sum assured. Further, LIC is payable any applicable Final Additional bonus and vested Simple Reversionary Bonus along with the sum assured. 

    • If the policyholder survives the policy term, (s)he can avail of a survival benefit equal to 8% of the basic sum assured. 

  4. LIC Jeevan Utsav

    LIC Jeevan Utsav is a whole life insurance policy that provides protection and financial support to the family after your death. Under the plan, one can avail of the survival benefits in the form of Regular Income Benefits or Flexi Income Benefits as per the option chosen.

    Key Features:

    • The plan offers two benefit options: Option I, a Regular Income Benefit, or Option II, a flexible income Benefit.

    • One can avail oneself of the benefit of an attractive High Sum Assured Rebate. 

    • Under the plan, the policyholders will get the Guaranteed Additions throughout their Premium Paying Term.

  5. LIC New Pension Plus 

    The LIC New Pension Plus Plan is a unit-linked pension plan that helps policyholders build a retirement corpus through flexible premium payments. It generates a reliable pension with market-linked returns and guaranteed additions and ensures long-term security for post-retirement income.

    Key Features:

    • Flexible Premium Payments: Choose between single or regular premium payments, with monthly, quarterly, half-yearly, and yearly options.

    • Market-Linked Returns: Based on your risk profile, invest in one of four fund options, with the flexibility to switch funds up to four times annually.

    • Guaranteed Additions: Receive guaranteed additions to your fund value at specified intervals, enhancing the corpus for retirement.

  6. LIC New Jeevan Shanti

    LIC New Jeevan Shanti is a single premium deferred annuity pension plan offering a financially stable future post-retirement. The plan allows policyholders to choose between a single life and a joint life deferred annuity.

    Key Features:

    • The policy offers an annuity payout during the deferment period. 

    • The death benefit is defined as higher of:

      • The combined amount of purchase price and accrued benefits minus the total annuity payable till death

      • 105% of the purchase price

    • Policy loans can be availed after three months of policy issuance. 

  7. LIC New Jeevan Anand

    LIC New Jeevan Anand is a participating non-linked life insurance plan offered by the Life Insurance Corporation of India (LIC). It combines the benefits of both endowment and whole-life policies, providing policyholders with comprehensive life coverage and the opportunity to participate in the insurer's profits through bonuses.

    Key Feature:

    • The plan offers coverage for the entire insured's lifetime, ensuring financial protection for the policyholder's family in the event of an unfortunate demise.

    • Maturity Benefit: Upon survival until the end of the policy term, the insured receives the sum assured along with vested reversionary bonuses and a final additional bonus, if any.

    • Death Benefit: If the policyholder dies during the policy term, the nominee receives the death sum assured along with vested reversionary bonuses and a final additional bonus, if any.

  8. LIC New Jeevan Amar

    The LIC New Jeevan Amar plan has reasonable premium rates, making it an economical choice for those on a budget. The death benefit payable under this plan can serve as a strong financial measure for the policyholder’s family in the event of her/his death.

    Key Features:

    • The death benefit can be paid out as

      • Level Sum Assured, wherein the sum assured remains constant throughout the policy term

      • Increasing Sum Assured, wherein the sum assured increases at a fixed percentage of the basic sum assured. 

    • Flexible premium payment terms, including a single lump sum amount or periodic payments under Regular and Limited payment modes. 

    • Offers rebates with a single premium payment. The rebates differ according to the policyholder's age, the sum assured, and the death benefit option. Please note that the minimum sum assured has to be Rs.50 Lakhs to be eligible for this rebate.

  9. LIC Amritbaal

    LIC Amritbaal is a life insurance plan designed to protect your child's future. It ensures that your child has enough financial freedom to pursue his/her future milestones. The plan allows you to customize it according to your needs and provides flexibility.

    Key Features: 

    • Guaranteed Addition: Earn Rs. 80 per thousand of the Basic Sum Assured each policy year.

    • Flexible Options: Choose between single and limited premium payments, maturity ages (18-25), and a premium waiver rider.

    • High Sum Assured Rebate: Benefit from a rebate on a higher sum assured.

  10. LIC Jeevan Labh

    LIC Jeevan Labh is a limited premium endowment plan designed to provide policyholders with life insurance coverage and the benefits of savings and investment, ensuring a secure financial future for them and their loved ones.

    Key Features:

    • Limited Premium Payment: Policyholders can choose from various premium payment terms, making it convenient to pay premiums for a limited period while enjoying long-term coverage.

    • Maturity Benefit: At the end of the policy term, the insured receives the sum assured along with vested simple reversionary bonuses and a final additional bonus, if any.

    • Death Benefit: If the policyholder dies during the policy term, the nominee receives the death sum assured along with vested simple reversionary bonuses and a final additional bonus, if any.

More LIC Plans to Invest In 2025!

Here is a list of LIC new plan 2025 that you can go through to choose the best LIC plan for yourself. 

  • LIC’s Bima Shree

    A high-net-worth individual-focused plan offering periodic survival benefits, a lump sum at maturity, and financial security for the family in case of untimely death.

  • LIC's New Money Back Plan- 20 Years

    Provides regular survival benefits, limited premium payments, surrender value, and loan options for financial flexibility.

  • LIC's New Money Back Plan-25 years

    A money-back plan with periodic payouts, bonuses, and life cover, ensuring financial security and liquidity.

  • LIC's Jeevan Tarun

    A child-focused savings and protection plan with limited premium payment terms and risk coverage starting early in life.

  • LIC's Bima Ratna

    A guaranteed returns LIC insurance policy with flexible death/maturity benefit payouts, premium discounts, and loan facilities.

  • LIC's Single Premium Endowment Plan

    A one-time premium plan providing savings, life cover, and bonus participation for long-term benefits.

  • LIC's New Endowment Plan

    A traditional savings and protection plan offering maturity benefits, death cover, loan facilities, and optional riders.

  • LIC's Jeevan Lakshya

    A goal-based endowment plan with flexible premium payment options and bonus participation for enhanced returns.

  • LIC's Bima Jyoti

    A guaranteed returns LIC insurance policy with fixed annual additions and loan availability for liquidity.

  • LIC's Jeevan Azad

    A dual-benefit plan providing savings and protection with lump sum maturity and death benefits.

  • LIC’s Digi Term

    A flexible term insurance plan with different sum assured options, special rates for women, and smoker/non-smoker premium distinctions.

  • LIC’s Digi Credit Life

    A credit protection plan with premium flexibility, special rates for women, and non-smoker benefits.

  • LIC’s Yuva Credit Life

    A life cover plan with flexible terms, premium discounts, and differential rates for smokers and non-smokers.

  • LIC’s Yuva Term

    LIC Yuva Term Plan – A youth-centric term plan with sum assured flexibility, premium discounts, and installment-based death benefit options.

  • LIC's New Tech-Term

    A pure-risk term insurance plan ensuring financial security for the nominee in case of the policyholder’s demise.

  • LIC's Saral Jeevan Bima

    A straightforward term plan providing financial security with tax benefits and simple terms.

LIC Riders to Add to Your Policies

Here are some riders that will make your LIC best plan even more comprehensive and useful in certain situations: 

Note: In addition to LIC plans available, if you're looking for a systematic way to invest in your future, considering a Systematic Investment Plan (SIP) can be a great step. You can also use an SIP calculator to estimate your returns and plan your investments efficiently.

Summing It Up

While the options discussed above are vast in terms of their scope and features, each plan serves to fulfill the inherent need for financial security. Whether you're looking to secure your child's education, your family's life, post-retirement planning, or maximizing savings, the list of best LIC policy is are designed to be comprehensive and rewarding in the Life Insurance space today. So go ahead and pick your best LIC plan and make way for a secure and stable future.

FAQs

  • Q1. Is it advisable to Invest in a LIC Plan?

    Ans: LIC offers life insurance policies catering to customers' unique needs. If you are searching for a life cover + investment component in one plan, you can consider a ULIP or Endowment option according to your risk appetite and financial goals. One of the key reasons for purchasing LIC plans is that the company is backed by the government of India, making it a reliable insurer.
  • Q2. Can I Take the LIC Jeevan Labh Policy?

    Ans: Yes. The LIC Jeevan Labh policy gives maturity and death benefits with an extra profit participation bonus. This policy has been rated among LIC’s best-selling endowment policies. It is meant for people in the age group of 8-59 years. This policy provides a plethora of benefits to the insured along with flexible features.
  • Q3. Is FD better than LIC, or is it the opposite?

    Ans: FDs are typically suitable for medium and short-term investments, offering guaranteed returns over a specified tenure. They provide flexibility and can be opened for as little as 7 days. On the other hand, life insurance plans, such as those offered by LIC, are generally long-term investments, often of at least 10 years. While LIC plans provide life coverage with investments FDs do not offer life insurance benefits. Both have distinct features and benefits, so individuals need to evaluate their financial goals and risk tolerance before choosing the best investment option for their needs.
  • Q4. How to calculate the LIC maturity amount?

    Ans: The simple way to calculate the maturity amount of any LIC insurance policy is Basic Sum Assured + Bonuses + Final Additional Bonus (if applicable).
  • Q5. What are the tax benefits associated with LIC policies?

    Ans: An LIC insurance policy provides tax benefits under Section 80C and Section 10(10D) of the Income Tax Act, 1961. Premiums paid for life insurance policies qualify for tax deductions up to ₹1.5 lakh per annum under Section 80C. Additionally, the maturity proceeds received are tax-free under Section 10(10D), provided the policy meets certain conditions. Always consult a tax advisor for personalized advice.
  • Q6. Can I take a loan against my LIC policy?

    Ans: Yes, you can avail a loan against your LIC policy, provided it has acquired a surrender value. Loans are typically available for policies like endowment and whole-life plans after a specified period. The loan amount is usually a percentage of the surrender value. However, it’s essential to ensure that you repay the loan with interest to avoid policy lapse.
  • Q7. Which LIC scheme gives an 8% return?

    Ans: LIC Jeevan Umang (Plan No. 845) provides an 8% guaranteed benefit. It is a non-linked, with-profit, whole-life assurance plan. If you are looking for the best LIC policy with guaranteed returns, Jeevan Umang is a strong option.
  • Q8. Which LIC policy has a 10% return?

    Ans: LIC Jeevan Utsav policy offers two income benefit options. Under the Regular Income Benefit option, policyholders receive a fixed 10% of the sum assured annually for life. This plan is considered one of LIC best plans for those looking for steady returns.
  • Q9. Why is LIC better than PPF?

    Ans: PPF is suitable for long-term, tax-efficient savings, whereas LIC policies provide both life insurance and investment benefits. If you want the LIC best policy 2025 that combines security and returns, LIC plans might be a better choice.
  • Q10. What is the LIC Crorepati Plan?

    Ans: LIC Crorepati plans provide a sum assured of Rs. 1 Crore or more at affordable premiums. These plans offer extensive benefits to policyholders and their beneficiaries, making them one of the best LIC policies for high-value coverage.

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
^Trad plans with a premium above 5 lakhs would be taxed as per applicable tax slabs post 31st march 2023
+Returns Since Inception of LIC Growth Fund
~Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
++Returns are 10 years returns of Nifty 100 Index benchmark
˜Top 5 plans based on annualized premium, for bookings made in the first 6 months of FY 24-25. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in

LIC of India
LIC Plans
LIC Amritbaal
LIC Index Plus
LIC Jeevan Dhara II-872
LIC Jeevan Utsav
LIC Jeevan Kiran
LIC Dhan Vriddhi
LIC Monthly Investment Plans
LIC Jeevan Azad
LIC 1 Crore Endowment Plans
LIC Jeevan Labh 1 Crore
LIC Crorepati Plan
LIC Dhan Varsha - Plan No. 866
LIC Pension Plus Plan
LIC New Jeevan Shanti
LIC Bima Ratna
LIC Group Plans
LIC Fixed Deposit Monthly Income Plan
LIC Savings Plans
LIC’s New Jeevan Anand
LIC New Jeevan Anand Plan 915
LIC's Saral Jeevan Bima
LIC's Dhan Rekha
LIC Jeevan Labh 836
LIC Jeevan Jyoti Bima Yojana
LIC Child Plans Single Premium
LIC Child Plan Fixed Deposit
LIC Jeevan Akshay VII
LIC Yearly Plan
LIC Bima Jyoti (Plan 860)
LIC’s New Bima Bachat Plan 916
LIC Bachat Plus Plan 861
LIC Policy for Girl Child in India
LIC Samriddhi Plus
LIC New Janaraksha Plan
LIC Nivesh Plus
LIC Policy for Women 2025
LIC Plans for 15 years
LIC Jeevan Shree
LIC Jeevan Chhaya
LIC Jeevan Vriddhi
LIC Jeevan Saathi
LIC Jeevan Rekha
LIC Jeevan Pramukh
LIC Jeevan Dhara
LIC Money Plus
LIC Micro Bachat Policy
LIC Endowment Plus Plan
LIC Endowment Assurance Policy
LIC Bhagya Lakshmi Plan
LIC Bima Diamond
LIC Anmol Jeevan
LIC Bima Shree (Plan No. 948)
LIC Jeevan Saathi Plus
LIC Jeevan Shiromani Plan
LIC Annuity Plans
LIC Jeevan Akshay VII Plan
LIC SIIP Plan (Plan no. 852) 2025
LIC Jeevan Umang Plan
LIC Jeevan Shanti Plan
LIC Online Premium Payment
LIC Jeevan Labh Policy-936
LIC Money Plus Plan
LIC Komal Jeevan Plan
LIC Jeevan Tarang Plan
LIC Bima Bachat Plan
LIC’s New Money Back Plan-25 years
LIC Money Back Plan 20 years
LIC Limited Premium Endowment Plan
LIC Jeevan Rakshak Plan
LIC New Jeevan Anand-715
LIC New Endowment Plan
LIC Varishtha Pension Bima Yojana
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