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LIC Investment Plans in 2026
LIC Investment Plans are one of the best options if you want to invest your hard-earned money. LIC of India is a government-backed entity that offers various LIC plans to cater to policyholders’ diverse goals and needs. There are many LIC investment plans that offer attractive returns to policyholders. An LIC investment plan is a combination of savings and insurance protection much like a well-structured LIC savings plan.
Benefits of LIC Plans —
Tax saving under Sec 80C & 10(10D)^
High returns market link plans
Sovereign guarantee as per Sec 37 of LIC Act
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With these life insurance plans, LIC gives policyholders a chance to grow their wealth while covering them for the policy term.
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Which are the Best LIC Plans for Investment in 2026
The Life Insurance Corporation of India offers an extensive range of insurance products to cater to the various requirements of insurance buyers, making it easier to choose a suitable LIC investment option. Customers can choose from endowment plans, money-back plans, unit-linked insurance plans and other LIC savings plans as per their requirements. Among the different policies issued by the company, the below-mentioned are some of the options for the best LIC plan for investment right now.
Best LIC Policy For Investment List for 2026
The table below shows some of the LIC best policy along with their LIC policy details.
| LIC Policies | Plan Type | Entry Age | Maximum Maturity Age | Policy Term | Sum Assured |
| LIC Index Plus | Unit-linked insurance plan | 90 days- 70 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 | 90 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 | 90 days -65 years | NA | 100 years minus(-) the age at entry | Min- Rs. 5,00,000 Max- No upper Limit |
| LIC New Jeevan Shanti | Pension Plan | 30 years-79 years | 80 years | NA | NA |
Disclaimer: Policybazaar does not endorse, rate, or recommend any particular insurer or insurance product offered by an insurer. The tax benefit is subject to changes in tax laws. *Standard T&C Apply
LIC Best Plan 2026 by Goal
| Your goal | Plan to consider | Why |
| Fixed, predictable income | LIC Jeevan Utsav | Guaranteed additions plus a regular income of 10% of the basic sum assured, with lifelong cover |
| Whole-life cover with yearly payouts | LIC Jeevan Umang | Pays 8% of the basic sum assured every year after the premium-paying term, plus bonuses (bonuses are not guaranteed) |
| Market-linked growth | LIC Index Plus (regular premium) or LIC Nivesh Plus (single premium) | Unit-linked, so returns depend on the fund you choose and are not guaranteed |
| Retirement income | LIC New Jeevan Shanti | Deferred annuity: you pay a lump sum now and receive a fixed annuity later |
| Child’s future | LIC Jeevan Tarun or the Children’s Money Back Plan | Payouts timed to education and milestone expenses |
| Tax saving | Jeevan Umang, Jeevan Utsav, or a ULIP within the premium limits | Premiums qualify under Section 80C in the old regime only, and maturity is tax-free if the policy meets Section 10(10D) conditions |
The right life insurance plan depends on your age, budget and risk comfort. Only ULIPs carry market risk and traditional plans offer limited and plan-specific guarantees. Check each plan’s details and benefit illustration before buying.
To choose the LIC best policy 2026, compare the plans and thoroughly review the LIC policies. Here, we have elaborated on the top LIC Investment plans in detail.
LIC Index Plus
LIC Index Plus 873 is an LIC Investment plan which is unit-linked life insurance that offers market growth potential with guaranteed death benefits. Policyholders can invest in their choice of funds and receive guaranteed additions. This plan ensures life cover throughout the policy term and enhances their protection through riders. It provides flexibility in premium payment modes and offers coverage up to 85 years of age. It is important for buyers to be aware of LIC Index Plus Plan details before purchasing the plan, especially when choosing the best LIC plans for investments.
Features of LIC Index Plus
This LIC investment plan offers the flexibility to choose from various fund options.
It is one of those LIC savings plans that offers annual guaranteed additions to the unit fund to help boost earnings and enhance savings over time.
Additional coverage options are available through riders for added financial security.
You can make partial withdrawals in this LIC investment plan to address liquidity needs.
Benefits of LIC Index Plus
Death Benefit
The LIC Index Plus plan offers guaranteed death benefits to beneficiaries, ensuring financial security if the policyholder dies, which makes it a reliable LIC investment option. The death benefit payable in this LIC investment plan is the highest amount of:
Unit fund value, or
Basic Sum Assured after deduction of Partial Withdrawals, or
105% of the total premiums received up to the date of death reduced by Partial Withdrawals (if any)
Maturity Benefit
Policyholders receive the Unit Fund Value upon surviving the policy term in the form of a lump-sum payout.
Refund of Mortality Charges
Policyholders who survive past the maturity date and have paid all due premiums receive a refund of mortality charges.
| Pros | Cons | Who Should Buy | Who Shouldn’t Buy |
|
|
Long-term investors (10+ years) who accept market risk and want life cover alongside. | Anyone who needs assured returns, may need the money within 5 years or doesn’t want to track fund performance. |
Sample Benefit Illustration
Given below is a sample illustration of returns for a non-smoker standard life purchasing this policy offline and not opting for the LIC’s Accidental Death Benefit Rider.
| Illustration | |
| Age of Life Assured | 30 years |
| Policy Term | 25 years |
| Premium Paying Mode | Half-yearly |
| Premium | ₹50,000 |
| Basic Sum Assured | ₹10,00,000 |
| Mode of Purchase | Offline |
| Type of Fund | Flexi Growth Fund |
| Maturity Benefit | ||
| Benefits @ 4% p.a. (₹) | Benefits @ 8% p.a. (₹) | |
| Total Maturity Benefit (Fund Value) | 34,14,179 | 59,71,827 |
| Net Yield: 6.30% | ||
| Death Benefit | ||||||
| Benefits @ 4% p.a. (₹) | Benefits @ 8% p.a. (₹) | |||||
| End of Policy Year | Cumulative Premium (₹) | Guaranteed Additions (₹) | Fund Value @ 4% (₹) | Death Benefit @ 4% (₹) | Fund Value @ 8% (₹) | Death Benefit @ 8% (₹) |
| 6 | 6,00,000 | 5,000 | 6,12,928 | 10,00,000 | 6,95,658 | 10,00,000 |
| 10 | 10,00,000 | 10,000 | 10,88,404 | 10,88,404 | 13,42,830 | 13,42,830 |
| 15 | 15,00,000 | 20,000 | 17,62,609 | 17,62,609 | 24,26,583 | 24,26,583 |
| 20 | 20,00,000 | 25,000 | 25,31,514 | 25,31,514 | 39,17,165 | 39,17,165 |
| 25 | 25,00,000 | 30,000 | 34,14,179 | 34,14,179 | 59,71,827 | 59,71,827 |
LIC Nivesh Plus
LIC Nivesh Plus 749 is a Unit-Linked insurance plan by LIC of India, offering insurance coverage and wealth accumulation through a single premium payment This LIC investment plan 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.
Features of LIC Nivesh Plus
This LIC investment plan offers four investment funds to suit varying risk appetites. To know the returns amount in all these 4 plan options, you can use the LIC Nivesh Plus calculator .
You can switch funds and withdraw partially after the fifth policy anniversary.
The plan provides guaranteed additions to the policy unit fund over specific policy durations.
With the LIC Nivesh Plus policy, you can avail of additional protection through rider benefits such as Accidental Death Benefit Rider, enhancing the value of this LIC policy.
Benefits of LIC Nivesh Plus
Death Benefit
The nominee receives a death benefit if the policyholder dies during the term. This benefit is calculated as the amount higher of the following:
Unit fund value, or
Basic Sum Assured after deduction of any Partial Withdrawals.
Maturity Benefit
If the policyholder survives the policy term, they shall receive a sum equal to the Unit Fund Value at maturity.
Guaranteed Additions
The policy offers guaranteed additions to the Policy Unit Fund at specific intervals. These additions are based on a fixed percentage of the Single Premium amount paid and are added to the fund's value once the policy reaches certain milestones.
At the end of 6 years 3%
At the end of 10 years 4%
At the end of 15 years 5%
At the end of 20 years 6%
At the end of 25 years 7%
| Pros | Cons | Who Should Buy | Who Shouldn’t Buy |
|
|
People with a lump sum who want market exposure plus insurance and can stay invested for 15+ years. | Short-term investors or anyone uncomfortable putting a large sum into a unit-linked product. |
Sample Illustration
The following example is of a 30-year-old male who purchased an LIC Nivesh Plus policy for Rs. 1.25 Lakh, payable at one time, for a policy duration of 20 years. He gets two options for the death benefit cover:
-
Option 1 is when the Basic Sum Assured is 1.25 times the single premium.
-
Option 2 is when the Basic Sum Assured is 10 times the single premium.
Option 1: Basic Sum Assured = 1.25*Single Premium
If Mr. Sharma chooses Option 1, then the benefits available as per the assumed investment returns is shown in this table below:
| End of Policy Duration (Years) | Rate of return (p.a.) | Fund Value before Guaranteed Additions ( in Rs) | Guaranteed Additions (in Rs) | Fund Value after Guaranteed Additions (in Rs) | Sum Assured (in Rs) | Death Benefit payable (in Rs) |
| 6 | @ 4 % | 1,40,868 | 3,750 | 1,44,618 | 1,44,618 | 1,56,250 |
| @8 % | 1,76,829 | 3,750 | 1,80,579 | 1,80,579 | 1,80,579 | |
| 15 | @ 4 % | 1,88,059 | 6,250 | 1,94,309 | 1,94,309 | 1,94,309 |
| @8 % | 3,26,766 | 6,250 | 3,33,016 | 3,33,016 | 3,33,016 | |
| 20 | @ 4 % | 2,21,059 | 7,500 | 2,28,559 | 2,28,559 | 2,28,559 |
| @8 % | 4,57,544 | 7,500 | 4,65,044 | 4,65,044 | 4,65,044 |
Option 2: Basic Sum Assured = 10*Single Premium
If Mr. Sharma chooses Option 2, then the benefits available as per the assumed investment returns is shown in this table below:
| End of Policy Duration (Years) | Rate of return (p.a.) | Fund Value before Guaranteed Additions ( in Rs) | Guaranteed Additions (in Rs) | Fund Value after Guaranteed Additions (in Rs) | Sum Assured (in Rs) | Death Benefit payable (in Rs) |
| 6 | @ 4 % | 1,30,528 | 3,750 | 1,34,278 | 1,34,278 | 12,50,000 |
| @8 % | 1,65,255 | 3,750 | 1,69,005 | 1,69,005 | 12,50,000 | |
| 15 | @ 4 % | 1,49,142 | 6,250 | 1,55,392 | 1,55,392 | 12,50,000 |
| @8 % | 2,77,853 | 6,250 | 2,84,103 | 2,84,103 | 12,50,000 | |
| 20 | @ 4 % | 1,51,499 | 7,500 | 1,58,999 | 1,58,999 | 12,50,000 |
| @8 % | 3,66,942 | 7,500 | 3,74,442 | 3,74,442 | 12,50,000 |
LIC Jeevan Umang
LIC Jeeva Umang 745 offers the family whole-life insurance coverage and the combined benefit of income and protection, making it one of the dependable LIC plans. The plan offers annual survival benefits to the insured from the end of the premium-paying term until the policy's maturity.
Features of LIC Jeevan Umang
This LIC investment plan offers the option to receive a death benefit in installments.
Different rider options can be availed to increase policy coverage under this LIC policy.
This LIC savings plan offers the option to pay the policy's premium through regular premium payment or by salary deductions during the policy's PPT.
Tax benefits can be availed U/S 80C and 10(10D) of the Income Tax Act.
Offers the benefit of rebates on premiums for a higher sum assured amount.
Benefits of LIC Jeevan Umang Plan
Death Benefit
If the life insured dies during the policy's tenure, the death benefit is paid to the policy's beneficiary.
On death before the commencement of risk
If the insured dies before the commencement of risk, the return of the premium paid without interest is paid to the policy's beneficiary.
On death after the commencement of risk
In the case of the insured's demise after the commencement of risk, the death benefit is defined as the sum assured on death plus vested reversionary bonus, and a final additional bonus (if any) is paid to the beneficiary of the LIC policy. The sum assured on death is defined as:
Higher of 7 times the annualized premium; or
105% of the total premium paid to date.
Survival Benefit
If the life insured survives the premium-paying tenure of the policy, a survival benefit equal to 8% of the basic sum assured amount is paid annually until the policy maturity date.
Maturity Benefit
If the life insured survives the entire tenure of the LIC policy, the maturity benefit is paid to the insured as the sum assured on maturity plus the vested reversionary bonus and final additional bonus (if any). The sum assured on maturity is equal to the basic sum assured amount. Use LIC Jeevan Umang Calculator to estimate the maturity benefit amount.
| Pros | Cons | Who Should Buy | Who Shouldn’t Buy |
|
|
People who want lifelong cover with a regular payout from mid-life and a disciplined, low-risk approach. | Anyone seeking high growth or flexibility or who may not sustain premiums for the full term. |
Sample Illustration
The sample illustrative annual premiums for Basic Sum Assured of Rs 2 lakh for Standard lives are as under.
| Age | Premium Paying Term | |||
| 15 | 20 | 25 | 30 | |
| 20 | 16,542 | 11,407 | 8,536 | 6,840 |
| 30 | 16,542 | 11,407 | 8,595 | 7,027 |
| 40 | 16,542 | 11,476 | 9,036 | 7,664 |
| 50 | 16,562 | 12,368 | ||
LIC Jeevan Utsav
LIC Jeevan Utsav 771 is a whole life insurance plan by LIC of India. Option I provides Regular Income Benefits, while Option II offers the flexibility of Flexible Income Benefits, allowing you to choose the best LIC plan that aligns with your financial goals. This LIC plan ensures comprehensive financial growth and security protection with flexible premium payments, tax benefits, guaranteed additions, and a loan facility.
Features of LIC Jeevan Utsav
Allows flexible premium payments based on individual financial capacity.
This LIC investment plan provides tax benefits and offers advantages under prevailing tax laws, making it a viable LIC investment option.
This LIC savings plan offers guaranteed additions to enhance the maturity value over time.
Offers a loan facility, providing access to liquidity against the policy.
Benefits of LIC Jeevan Utsav
Guaranteed Additions
LIC Jeevan Utsav provides guaranteed additions at specified rates throughout the policy term, ensuring a predetermined boost to the policy's maturity value, which adds value to this LIC policy.
Death Benefit
If the person insured passes away, the Death Benefit is paid. This benefit includes the "Sum Assured on Death" and accrued Guaranteed Additions, ensuring the policy is active. The Death Benefit is not less than 105% of the total premiums paid until death. "Sum Assured on Death" is the higher value between the 'Basic Sum Assured' and '7 times the Annualised Premium’, making it a reliable best LIC policy for protection. '
If a minor is aged below 8 at entry and passes away before risk coverage starts, the benefit is a refund of premiums paid without interest.
Survival Benefit
For those policyholders who survive the policy term, there are two options:
Option I - Regular Income Benefit:
Receive a Regular Income Benefit equal to 10% of the Basic Sum Assured annually, starting from a specified year, provided all due premiums are paid. Option II - Flexi Income Benefit:
On survival, policyholders can opt for the Flexi Income Benefit, receiving 10% of the Basic Sum Assured annually starting from a specified year as long as all due premiums are paid, making it suitable for the best LIC plan for investment.
Note: The LIC Jeevan Utsav Calculator helps estimate the survival benefit amounts in both the options.
| Pros | Cons | Who Should Buy | Who Shouldn’t Buy |
|
|
Conservative savers who want a predictable, long-dated income stream and lifelong cover. | People who need liquidity soon or who can take on more risk for higher returns. |
Sample Illustration
The sample illustrative yearly premiums for Standard lives for Sum Assured of Rs 5,00,000 for policies to be sold through Offline are as under.
| Premium Paying Term | Age At Entry | ||
| 10 Years | 30 Years | 50 Years | |
| 5 | Rs 1,09,575 | Rs 1,10,150 | Rs 1,18,625 |
| 8 | Rs 72,600 | Rs 72,600 | Rs 72,600 |
| 12 | Rs 44,250 | Rs 44,275 | Rs 45,225 |
| 16 | Rs 29,900 | Rs 30,025 | Rs 33,475 |
LIC New Jeevan Shanti
LIC New Jeevan Shanti 758 is a single premium deferred annuity plan in which the policyholder pays a lump sum premium to obtain coverage. This LIC one time investment plan also offers the option between Joint life and Single life Deferred annuities.
Features of LIC Jeevan Shanti
The LIC New Jeevan Shanti also offers flexibility in choosing the monthly, quarterly, half-yearly, or annually payout frequency. In a way, this can also be considered as an LIC monthly income plan.
This LIC policy one time investment plan provides Deferred Annuity for Single Life and Deferred Annuity for Joint Life options.
This LIC investment plan has tax benefits under Section 80C and Section 10(10D) of the Income Tax Act
Benefits of LIC Jeevan Shanti Plan
Death Benefit
Purchase Price and Accrued Additional Benefit on Death (as described below) less the total annuity amount paid up to the date of death, if any, equals 105% of the Purchase Price.
Option to cover Dependent with Disability
Suppose the policyholder has a disabled family member who is a dependent. In that case, he or she may acquire a Deferred Annuity for Single Life (Option 1) on their life for the benefit of a disabled nominee, provided the purchase price is at least Rs. 50,000.
Loan Facility
After three months of policy issuance or after the expiration of the free-look period, whichever comes first, the policyholder may apply for policy loans against their LIC New Jeevan Shanti plan.
| Pros | Cons | Who Should Buy | Who Shouldn’t Buy |
|
|
People nearing or in retirement who want a steady, predictable income and have a lump sum to commit. | ounger investors, anyone who may need the lump sum back, or those who want their income to grow with inflation. |
Sample Illustration
Purchase Price : ₹10 lakh (excluding applicable taxes)
Age of Annuitant at entry : 45 years (Last Birthday)
Deferment Period : 5 years
Age of Secondary Annuitant at entry : 35 years (Last Birthday) (applicable for Option 2 only)
| Annuity Option | Annuity amount payable for various annuity payment modes (₹) | |||
| Yearly | Half-Yearly | Quarterly | Monthly | |
| Option 1: Deferred Annuity for Single Life | 86,100 | 42,189 | 20,879 | 6,888 |
| Option 2: Deferred Annuity for Joint Life | 82,800 | 40,572 | 20,079 | 6,624 |
LIC Fixed Deposit Plan
Is there a fixed deposit policy in LIC? Not directly. Life Insurance Corporation of India sells insurance and pension products, not FDs. However, LIC’s subsidiary LIC Housing Finance Ltd (LIC HFL) provides fixed deposit options. This deposit LIC scheme is called Sanchay.
The LIC of India fixed deposit plan by HFL carries no life cover, no bonuses and none of the market-linked returns as other investment plans by LIC. It works like a company fixed deposit.
LIC Fixed Deposit Plan Interest Rates (2026)
LIC HFL’s general-category FD rates have recently been listed at roughly 6.70% to 6.90% p.a., with the higher end applying to longer tenures. Senior citizens may receive a slightly higher rate listed at around 6.95% to 7.15% p.a. Given below are details about the LIC Fixed Deposit Sanchay LIC scheme.
| Detail | LIC Housing Finance FD (Sanchay) |
| Issuer | LIC Housing Finance Ltd |
| Tenure | 1 to 5 years |
| Interest rate (general) | About 6.70% to 6.90% p.a. |
| Interest rate (senior citizens) | About 6.95% to 7.15% p.a. |
| Interest options | Cumulative or non-cumulative (monthly, quarterly, half-yearly, yearly payout) |
| Credit rating | AAA/Stable (CRISIL) |
| Loan against FD | Available, up to 75% of the deposit |
| Premature withdrawal | Allowed with a penalty at the company’s discretion |
| Top-up to an existing FD | Not allowed. You open a new FD instead |
Note: Interest rates change often. Therefore, before investing in this scheme, confirm the latest figures on LIC Housing Finance’s official website.
Example: a ₹10 lakh deposit for 1 year at about 6.7% in the cumulative option earns roughly ₹69,000 in interest. Use the LIC HFL FD calculator for an exact figure because compounding frequency changes the result.
LIC Fixed Deposit Plan vs LIC Savings Plans
| LIC Fixed Deposit Plan by LIC Housing Finance | LIC savings / investment plans | |
| Offered by | LIC Housing Finance (subsidiary) | Life Insurance Corporation of India |
| Purpose | Earn fixed interest | Life cover plus savings or income |
| Life cover | No | Yes |
| Returns | Fixed rate agreed at booking | Guaranteed additions, bonuses or market-linked depending on the type of plan |
| Tenure | 1 to 5 years | Typically 10 to 30+ years or whole life |
| Tax on proceeds | Interest taxed at your slab rate | Maturity may be exempt under 10(10D) if conditions are met |
If you want both protection and long-term savings in a single plan, you shall consider LIC investment plans. However, if you only want a safe, fixed-rate place to save money for a few years then an LIC fixed deposit plan may fit better.
LIC vs FD, PPF, NPS, Mutual Funds and Term Plan + SIP
One of the most commonly asked questions in the finance sector is - “Is an FD better than an LIC plan, or the other way around?”.
Both should not be compared because they do different jobs. An FD is a savings product for short and medium goals. It pays a fixed rate and has no insurance cover. An LIC savings plan bundles life cover with a long-term maturity benefit, so it makes sense when protection and discipline matter as much as returns.
If your main goal is the highest return, FDs, PPF, and equity mutual funds are usually compared first. Traditional insurance-plus-investment plans typically deliver lower returns than these and the gap widens the longer you hold them.
| Option | Return type | Typical return (Oct 2026) | Lock-in | Life cover | Tax treatment (summary) |
| LIC traditional plans (Jeevan Umang, Jeevan Utsav) | Guaranteed additions or bonuses, depending on the plan | Varies by plan. | Long premium-paying term | Yes | Premiums under 80C (old regime only). Maturity may be tax-free under 10(10D) if conditions are met |
| LIC ULIPs (Index Plus, Nivesh Plus) | Market-linked | Not guaranteed | 5 years minimum | Yes | 10(10D) exemption applies if annual premium is within ₹2.5 lakh |
| Bank FD | Fixed | Up to about 6.4% at SBI for general customers | Flexible, with penalty on early exit | No | Interest taxed at your slab rate |
| PPF | Government-set | 7.1% p.a. | 15 years, with partial withdrawals after a few years | No | Interest and maturity are tax-free. Deposit deduction under the old regime only |
| NPS | Market-linked | Not guaranteed | Until retirement, with partial withdrawals allowed | No | Extra deduction under 80CCD(1B) in the old regime. Part of the corpus must buy an annuity |
| Equity mutual funds | Market-linked | Not guaranteed | None (ELSS: 3 years) | No | Long-term gains above ₹1.25 lakh are taxed at 12.5% |
| Term plan + SIP | Term Cover is fixed. SIP is market-linked | Term - no maturity returns SIP - not guaranteed | Term plan: none. SIP: none | Yes (pure cover) | Term premium under 80C (old regime). SIP taxed as above |
The Bottom Line: Which is LIC Best Plan for Investment?
These are some of the LIC best return plans that insurance buyers can consider purchasing as per their affordability and financial needs. Although these are the best LIC plans for investment options, make sure that you go through the details of the plan before making a final decision. Don't forget to secure your family's financial future with a life insurance policy. The LIC best plan for investment for you shall be the one that gives you the most returns for the amount you invest. However, the decision may be based on how much risk you are ready to take.
Disclaimer: Policybazaar does not endorse, rate, or recommend any particular insurer or insurance product offered by an insurer.
*All savings are provided by the insurer as per the IRDAI-approved insurance plan. Standard T&C Apply
“Tax benefit is subject to changes in tax laws. Standard T&C apply.”
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FAQs
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Is it advisable to Invest in a LIC Plan?
Ans: LIC plans are a good option for low-risk investors seeking safety and tax benefits as they are backed by the Government of India. However, traditional LIC policies may offer lower returns compared to market-linked options so they are best suited for financial security rather than wealth maximisation. -
Can I Take the LIC Jeevan Labh Policy? Is it any good?
Ans: Yes. The LIC Jeevan Labh policy gives maturity and death benefits with an extra profit participation bonus. This LIC policy has been rated among best-selling endowment policies. It is meant for people in the age group of 8-59 years. -
Is FD better than LIC or is it the opposite?
Ans: Fixed deposits (FDs) are ideal for medium and short-term investments. Contrary to this, a life insurance plan is designed to be a long-term investment. You can put money into an FD plan for a duration of as little as 7 days, unlike life insurance plans where you have to put in your money for a longer period. However, you do not get a risk cover for your untimely death with an FD. -
How to calculate the LIC maturity amount?
Ans: The simple way is Basic Sum Assured + Bonuses + Final Additional Bonus (if applicable). -
What is the best LIC policy for 5 years?
Ans: LIC 5-years policies are short-term life covers. The best LIC policies for 5 years for you to explore are –- LIC Saral Jeevan Bima
- LICs Dhan Sanchay
- LICs New Jeevan Shanti
- LIC Bhagya Lakshmi Plan
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What is the new plan of LIC 2026?
Ans: LIC launched various new investment and insurance options in 2026. The new plans are LIC Jan Suraksha (Plan 880), LIC Bima Lakshmi (Plan 881), LIC Nav Jeevan Shree (Plan 912), LIC Nav Jeevan Shree Single Premium Plan (Plan 911), LIC Protection Plus (Plan 886), and LIC Bima Kavach (Plan 887). -
Which is the LIC best plan 2026 for investment?
Ans: Top LIC investment plans include LIC Index Plus, LIC Nivesh Plus, Jeevan Umang, Jeevan Utsav and New Jeevan Shanti. -
Which LIC plan gives monthly income?
Ans: LIC pension plans like Jeevan Akshay-VII and New Jeevan Shanti and whole life policies like Jeevan Utsav give regular monthly income to the policyholder. -
Which LIC plan is best for long term?
Ans: For long-term goals, LIC Jeevan Umang, SIIP, New Jeevan Anand and New Pension Plus are considered some of the best LIC plans. -
Which is the best LIC policy for girl child in 2026?
Ans: LIC Jeevan Tarun is ideal for flexible payouts while Children’s Money Back Plan suits earlier needs at 18, 20 and 22. -
What is the best plan in LIC for investment?
Ans: For long-term wealth creation and life cover, Life Insurance Corporation of India LIC New Endowment Plan is often considered the best LIC plan for investment. It combines savings, bonuses and insurance. Therefore, it is one of the most popular LIC investment plans for conservative investors. -
Which LIC policy is best for double money?
Ans: LIC Jeevan Labh is widely regarded as the best LIC policy for potentially doubling your money over the long term through guaranteed benefits, bonuses and disciplined investing. Jeevan Labh is a reliable LIC savings plan but it does not guarantee to double the money. -
What is the LIC single premium plan 2026?
Ans: In 2026, Life Insurance Corporation of India offers Single Premium Endowment Plan where you pay once and stay covered throughout the policy term. This LIC investment option is worth considering for those seeking a one-time investment with insurance benefits.
Different types of Plans
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
^Tax benefit are for Investments made up to Rs.2.5 L/ yr and are subject to change as per tax laws.
+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
˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar Insurance Brokers Private Limited does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in
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LIC Health Shield is a new health insurance plan from the Life
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LIC New Jeevan Dhara II is a newly launched deferred annuity
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The LIC Jeevan Raksha Premium calculator is a tool that computes
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