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LIC offers various policies to maximise your returns and secure your family's financial future. By choosing the right LIC policy, you can ensure financial security and peace of mind. With a diverse range of products available, the company ensures that every individual’s insurance needs are met and that they receive maximum returns.
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An LIC policy with maximum return offered by the Life Insurance Corporation of India aims to provide policyholders with higher potential investment gains compared to traditional policies. These policies often include market-linked components s where returns are influenced by market performance, offering a chance for greater growth alongside insurance coverage.
With the wide range of LIC policies, these are the best LIC policies for the highest return and additional benefits, which acts as an advantage in further securing the monetary needs. Below-mentioned are some of the best LIC policies with High Returns. Take a look:
| LIC Policies | Entry Age | Maximum Maturity Age | Policy Term | Sum Assured | |
| LIC Index Plus | 90 days- 60 years | 85 years | 10 - 25 years | 7 - 10 times the annualized premium | |
| LIC Nivesh Plus | 90 days- 70 years | 85 years | 10-25 years | 1.25- 10 times the single premium | |
| LIC Jeevan Umang | 90days - 55years | 15/20/25/30 years | 100 years | Min- Rs. 2,00,000 Max- No upper limit |
|
| LIC Jeevan Utsav | 90 days -65 years | NA | 100 years minus(-) the age at entry | Min- Rs. 5,00,000 Max- No upper Limit |
|
| LIC New Pension Plus | 25 years-75 years | 85 years | 10-42 years | NA | |
| LIC New Jeevan Shanti | 30 years-79 years | 80 years | NA | NA |
Take a look at the section below to learn about the best LIC plans for maximum return and choose the one that suits your budget and requirements.
LIC Index Plus is a unit-linked life insurance plan offering market growth potential with guaranteed death benefits. It allows policyholders to invest in various funds and receive guaranteed additions. The plan ensures life cover throughout the policy term and enhances protection through riders.
Key features of LIC Index Plus:
Flexibility to choose from various funds based on risk appetite and financial goals.
Annual guaranteed additions to the unit fund to enhance savings over time.
If the insured outlives the policy's maturity date and has paid all premiums, they will receive an additional sum equal to the life insurance charges deducted, along with the Maturity Benefit. This is called the Refund of Mortality Charges.
LIC Nivesh Plus is a single-premium ULIP plan offering insurance coverage and wealth accumulation. It provides policyholders with a choice of four investment funds based on risk appetite and options for fund switching and partial withdrawals after the fifth policy anniversary
Key Features of LIC Nivesh Plus.
Partial withdrawal and fund-switching flexibility after the fifth policy anniversary.
Guaranteed additions to the policy unit fund at specific intervals.
Additional protection is available through riders like Accidental Death Benefit Rider.
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 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.
If the policyholder survives the policy term, (s)he can avail of a survival benefit equal to 8% of the basic sum assured.
LIC Jeevan Utsav is a whole life insurance plan offering protection and financial support to the family after the policyholder's demise. It provides two benefit options: Regular Income Benefit or Flexi Income Benefit. The plan offers attractive High Sum Assured Rebate and guaranteed additions throughout the Premium Paying Term.
Key features of LIC Jeevan Utsav:
Flexible premium payments based on individual financial capacity.
Guaranteed additions to enhance the maturity value over time.
Loan facility providing access to liquidity against the policy.
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:
Choose between single or regular premium payments, with monthly, quarterly, half-yearly, and yearly options.
Based on your risk profile, invest in one of four fund options, with the flexibility to switch funds up to four times annually.
Receive guaranteed additions to your fund value at specified intervals, enhancing the corpus for retirement.
LIC New Jeevan Shanti is a single premium deferred annuity pension plan offering a financially stable future post-retirement. It provides a secure source of regular income, making it an attractive choice for retirement planning.
Key Features of LIC New Jeevan Shanti:
The policy provides an annuity payout during the deferment period. The death benefit is defined as the greater of:
The combined amount of the purchase price and accrued benefits minus the total annuity payments made until death.
105% of the purchase price.
Policy loans are available after three months from the date of policy issuance
**LIC offers term insurance plans with comprehensive protection and affordable premiums besides these policies. While term insurance does not offer returns in the form of maturity benefits, it provides financial security for your family in case of an unfortunate event.
Buying an insurance plan can be tricky for the clients with the availability of a wide range of options and additional benefits. The basic features, which are essential to look at, and the clients should take into consideration before purchasing a plan or policy is:
Purpose of Buying: Before buying a policy, the customers need to sort out their motives and check whether their desired plans fulfill the demands and purpose of their purchase.
Additional Benefits: The customers need to wisely choose a plan, which offers additional benefits during hard times.
Maximum Return: To determine a plan with maximum return, one needs to consider the additional benefits and calculate the ROI accordingly.
Duration: The client should select the policy term according to the investment tenure. If one needs financial protection for ten years, one should choose a policy term of ten years.
Types: The types of plans are also a domain to look through before buying a particular plan. One shall choose ULIPs only if they are willing to take a risk, and for others, endowment and money-back plans are some safer options.
The above-mentioned are some of the most lucrative insurance plans for individuals who are looking for high returns.In order to purchase a plan with maximum return, one needs to consider the death benefits, maturity benefits, survival benefits, and other additional benefits that the plan promises to provide. Clients can invest in the plans with maximum return according to their needs and affordability.
Disclaimer: Policybazaar does not endorse, rate, or recommend any insurer or insurance product offered by an insurer.
*The investment risk in the investment portfolio is borne by the policyholder.
**All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C applies.
†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
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