Plan Features
- Regular Premium ULIP Plan
- 4 Fund Options Available
- Guaranteed Additions at 6th, 10th, 15th, 20th & 25th year
- Life Insurance + Market Linked Growth
- Partial Withdrawal after 5 years
- Online Purchase Lower Charges
- Refund of Mortality Charges on Maturity
Important Notes
• This calculator is based on LIC SIIP official brochure assumptions.• Actual ULIP returns depend on market performance and NAV movement.
• Premium Allocation Charges, FMC, Mortality Charges & GST are adjusted approximately.
• Guaranteed Additions are added at 6th, 10th, 15th, 20th & 25th year.
• ULIPs are market linked products and returns are not guaranteed.
• Lock-in period is 5 years as per IRDAI ULIP guidelines.
LIC Single Invest Insurance Plan, The Life Insurance Corporation of India offers several insurance plans that combine financial protection with investment opportunities. One such plan is the LIC Single Invest Insurance Plan, a Unit Linked Insurance Plan (ULIP) created to provide both systematic investment growth and life insurance coverage under a single policy.
What is LIC SIIP Plan 852?
LIC Single Invest Insurance Plan, also known as the Systematic Investment Insurance Plan, is a non-participating, unit-linked individual life insurance policy that combines insurance protection with market-linked investment benefits.
Under this plan, policyholders can invest their premiums in different market-linked funds according to their financial goals and risk appetite while also enjoying life insurance coverage throughout the policy term. The plan is designed to help individuals build long-term wealth along with financial security for their family.
ne of the main attractions of LIC SIIP Plan 852 is its combination of life insurance protection with flexible investment opportunities suited for different risk profiles. Policyholders can choose from four different investment fund options including Bond Fund, Secured Fund, Balanced Fund, and Growth Fund. Each fund carries a different level of risk and return potential, allowing investors to select an option according to their financial goals and market risk tolerance.
Launch and Current Status of LIC SIIP Plan 852
When Was LIC SIIP Plan 852 Launched?
LIC SIIP Plan 852 was officially launched on March 2, 2020, as a structured ULIP solution for individuals looking to combine insurance coverage with market-linked investment growth through LIC.
Has LIC SIIP Plan 852 Been Withdrawn?
According to the latest available information, LIC has not officially discontinued Plan 852. However, in 2025, the plan was repackaged and introduced as Plan 752 with similar features and benefits. Customers interested in LIC SIIP Plan 852 may explore Plan 752 as its updated equivalent version.
Eligibility Criteria of LIC SIIP Plan 852
What Are the Eligibility Conditions for LIC SIIP Plan 852?
| Criteria | Minimum | Maximum |
|---|---|---|
| Entry Age | 30 days completed / 90 days completed | 65 years nearer birthday |
| Policy Term | 10 years | 25 years |
| Premium Paying Term | Same as policy term | Same as policy term |
| Maturity Age | 18 years completed | 85 years nearer birthday |
| Minimum Premium | ₹42,000 yearly | No limit subject to underwriting |
| ₹21,000 half-yearly | ||
| ₹10,500 quarterly | ||
| ₹3,500 monthly through NACH | ||
| Basic Sum Assured | 10 times annualized premium for age up to 54 years | 7 times annualized premium for age 55 to 65 years |
How Does LIC SIIP Plan 852 Work?
LIC SIIP Plan 852 is a long-term investment-oriented life insurance policy where the premiums paid by the policyholder are invested in market-linked funds. The overall policy value depends on the performance of the selected investment funds over time.
What Fund Options Are Available in LIC SIIP Plan 852?
Available Investment Funds Under LIC SIIP Plan 852
| Fund Type | Investment Composition | Objective | Risk Level |
|---|---|---|---|
| Bond Fund | Minimum 60% debt and maximum 40% money market instruments | Stable and less volatile returns | Low |
| Secured Fund | 45% to 85% debt and 15% to 55% equity | Regular and steady growth | Low to Medium |
| Balanced Fund | 30% to 70% debt and 30% to 70% equity | Balanced capital growth | Medium |
| Growth Fund | 20% to 60% debt and 40% to 80% equity | Long-term wealth creation | High |
Benefits of LIC SIIP Plan 852
What Are the Main Benefits of LIC SIIP Plan 852?
- Provides life insurance protection to the nominee in case of the policyholder’s death
- Offers market-linked investment growth through equity and debt investments
- Partial withdrawals allowed after completion of 5 years
- Flexibility to switch funds up to 4 times every year without additional charges
- Policy surrender option available depending on fund performance and surrender timing
- Settlement option available where death benefits can be received in installments over 5 years
LIC SIIP Plan 852 Calculator
What Does LIC SIIP Plan 852 Calculator Do?
The LIC SIIP Plan 852 Calculator helps policyholders estimate future returns based on premium amount, selected fund, policy term, and investment performance assumptions.
The calculator helps users estimate:
- Expected maturity value
- Projected fund accumulation
- Estimated surrender value
- Death benefit projections
- Impact of premium payment frequency
- Estimated deductions and charges over time
How to Use LIC SIIP Plan 852 Calculator?
Steps to Use LIC SIIP Calculator
- Enter age and policy term details
- Select premium amount and payment frequency
- Choose preferred fund allocation according to risk appetite
- View estimated returns and policy benefits
- Modify inputs to compare different investment scenarios
Charges Applicable in LIC SIIP Plan 852
What Charges Are Deducted Under LIC SIIP Plan 852?
- Premium allocation charges
- Fund management charges
- Policy administration charges
- Fund switching charges after free switches are exhausted
- ₹100 charge applicable for additional fund switches beyond the free limit
Tax Benefits of LIC SIIP Plan 852
What Tax Advantages Are Available Under LIC SIIP Plan 852?
Premiums paid under LIC SIIP Plan 852 may qualify for tax deductions under Section 80C of the Income Tax Act. Additionally, maturity proceeds may remain tax-free under Section 10(10D), subject to prevailing tax rules and conditions.
Example Illustration
Suppose a 35-year-old individual selects a policy term of 21 years with an annual premium of ₹1,00,000 under LIC SIIP Plan 852 and chooses the Balanced Fund option for investment. Using the LIC SIIP Calculator, the estimated maturity value can be projected based on assumed market growth rates and applicable policy charges.
Frequently Asked Questions
What is LIC SIIP Plan 852?
LIC SIIP Plan 852 is a Unit Linked Insurance Plan (ULIP) offered by the Life Insurance Corporation of India that combines life insurance protection with market-linked investment opportunities, helping policyholders achieve both financial security and long-term capital growth.
When Was LIC SIIP Plan 852 Introduced?
LIC SIIP Plan 852 was officially launched on March 2, 2020.
Is LIC SIIP Plan 852 Still Available?
In 2025, LIC repackaged LIC SIIP Plan 852 under Plan 752 while retaining similar features and benefits. Interested customers may contact LIC representatives for details regarding the updated equivalent plan.
Which Fund Options Are Available Under LIC SIIP Plan 852?
The plan provides four different investment fund choices:
- Bond Fund
- Secured Fund
- Balanced Fund
- Growth Fund
Each fund option offers a different balance between risk and return, allowing policyholders to select investments according to their financial goals and risk appetite.
What Is the Minimum Entry Age for LIC SIIP Plan 852?
The minimum entry age for LIC SIIP Plan 852 is 90 days, while the maximum entry age allowed is 65 years.
Conclusion
LIC SIIP Plan 852 offers a balanced combination of life insurance protection and market-linked investment growth through flexible unit fund options. With features such as fund switching, partial withdrawal facility, and multiple investment choices suited for different risk preferences, the plan serves as a useful long-term financial planning solution for investors seeking both protection and wealth creation.
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