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Updated LIC calculators and plan research

India’s complete LIC planning and calculator portal

Calculate premium and maturity, explore plans, compare benefits, understand policy servicing and find clear guides—all in one place.

✓ Free calculators✓ Plan-wise guides✓ Clear estimates
Live illustrative result₹19.40 lakh
ILLUSTRATIVE CALCULATOR

Quick Maturity Estimate

Enter values to view a simple educational estimate.

Enter your details and click Calculate to view an illustrative estimate.

Illustrative estimate only. Actual premium, bonus, tax and benefits depend on official rates, underwriting and policy conditions.

₹Premium CalculatorsPlan and cover estimates↗Maturity & BonusProjected benefit view⇄Plan ComparisonCompare key conditions✓Reviewed GuidesSources and update dates
CALCULATOR HUB

Choose the calculator you need

Separate tools for premium, maturity, bonus, surrender value and return estimation.

View all calculators →
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Premium Calculator

Estimate the premium based on age, cover, term and payment mode.

Calculate now →◎

Maturity Calculator

View an illustrative maturity value with estimated bonus components.

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Bonus Calculator

Estimate simple reversionary and final additional bonus values.

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Surrender Value

Understand an approximate surrender value based on assumptions.

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Return Calculator

Review total premium outgo, projected benefits and effective return.

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Term Insurance

Get an annual and monthly premium illustration for protection plans.

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GOAL-BASED DISCOVERY

Find plans by financial goal

Start from your financial goal and explore matching LIC plan guides.

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Child Education

Future education and milestone planning

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Retirement Income

Pension and annuity-oriented plans

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Life Protection

High cover and term insurance plans

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Long-term Savings

Protection with disciplined savings

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Regular Income

Periodic payout and income options

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Money Back

Survival benefits during policy term

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Tax Planning

Understand eligible policy tax treatment

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Single Premium

One-time premium insurance options
PLAN DIRECTORY

Explore popular LIC plans

Compare plan status, type, eligibility, policy term and payment details.

Browse all plans →
COMPARE BEFORE YOU DECIDE

See plan differences in one clear table

Compare eligibility, policy term, benefits, bonus, loan and surrender conditions.

Start Plan Comparison →
FeatureTerm PlanEndowment Plan
Primary objectiveProtectionProtection + savings
Maturity benefitUsually noAs per policy
Bonus eligibilityNoPlan dependent
Loan facilityUsually noAs per conditions
SIMPLE PROCESS

How the calculator works

STEP 01

Select the calculator

Choose premium, maturity, bonus, surrender value or return estimation.

STEP 02

Enter policy details

Add age, sum assured, policy term, payment mode and other required inputs.

STEP 03

Review the estimate

See a clean result summary, assumptions, components and related plans.

TRUST AND TRANSPARENCY

Clear sources, assumptions and update history

Every plan page can show status, UIN, official source, reviewed date and calculation assumptions.

  • Active or withdrawn status clearly visible
  • Official brochure or source links
  • Last reviewed and updated dates
  • Calculation assumptions explained
  • Independent website disclaimer
  • Correction and fact-check policy
LATEST FROM THE BLOG

Latest LIC guides and updates

Six recently updated LIC guides with clear summaries, reading time and useful plan context.

View all guides →
EXPLORE THE PORTAL

Everything a policy researcher may need

Explore calculators, plan research, claims help, policy servicing and insurance explainers.

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Calculator Directory

Premium, maturity, bonus, surrender and return tools.

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LIC Plan Directory

Browse active, withdrawn and category-wise guides.

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Compare Plans

Compare eligibility, benefits, terms, loan and surrender rules.

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Goal-Based Finder

Explore plans for protection, child, retirement and income.

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Policyholder Help

Premium payment, nomination, revival, loan and servicing guidance.

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Claims Centre

Maturity, death claim and document checklists.

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Bonus & Updates

Reference pages for bonus rates and plan changes.

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Insurance Glossary

Simple explanations of policy terms and benefits.

POLICYHOLDER SERVICE HUB

Help users after they buy a policy too

Useful guidance for premium payment, revival, nomination, policy loans and claims.

Popular policy services

₹Pay LIC PremiumModes, due date and receipt guidance↻Revive a Lapsed PolicySteps, timelines and documents✎Change NomineeNomination and assignment help▣Policy Loan GuideEligibility and repayment overview📄Download FormsOrganised forms and document list✓Claim ChecklistMaturity and death claim preparation
KNOWLEDGE CENTRE

Learn insurance in simple language

Understand policy terms, benefits and servicing processes in simple language.

Policy Number FinderPremium Due GuideTax Benefit GuideClaim DocumentsInsurance Glossary
FREQUENTLY ASKED QUESTIONS

Common calculator questions

Are these calculator results official LIC quotations?

No. Results are illustrative estimates. Actual premium and benefits depend on current policy terms, underwriting and official documents.

Can active and withdrawn plans be searched separately?

Yes. The plan directory can use post-level status and plan type fields.

Can calculators appear inside posts and pages?

Yes. Use the calculator shortcode manually or enable automatic calculator insertion.

Will existing posts and URLs remain unchanged?

Yes. The theme reuses existing WordPress content and saved content IDs.