LIC Aadhaar Stambh Plan

LIC Aadhaar Stambh is a life insurance plan that is designed to provide coverage of protection and savings under a single plan. The plan is exclusively designed to secure male lives between the ages of 8 and 55 years.

Read more
LIC Plans-
Buy LIC policy online hassle free
Tax saving under Sec 80C & 10(10D)^
Guaranteed maturity with life cover for securing family's future
Sovereign guarantee as per Sec 37 of LIC Act
LIC life insurance
We are rated~
rating
58.9 Million
Registered Consumer
51
Insurance Partners
26.4 Million
Policies Sold
Now Available on Policybazaar
Grow wealth through
100% Guaranteed Returns with LIC
+91
Secure
We don’t spam
View Plans
Please wait. We Are Processing..
Your personal information is secure with us
Plans available only for people of Indian origin By clicking on ''View Plans'' you, agreed to our Privacy Policy and Terms of use #For a 55 year on investment of 20Lacs Tax benefit is subject to changes in tax laws
Get Updates on WhatsApp
We are rated~
rating
58.9 Million
Registered Consumer
51
Insurance Partners
26.4 Million
Policies Sold

LIC Aadhaar Stambh- An Overview

LIC Aadhaar Stambh is an endowment policy offered by the LIC of India. This is a participating, non-linked individual life assurance savings plan that is specifically designed to protect the male lives and provide the combined benefit of savings and protection. The plan not only provides financial protection to the family in case of any eventuality but also helps to accumulate wealth for the future as maturity benefit if the life assured survives the entire tenure of the policy. 

Moreover, the liquidity needs are also taken care of by its auto cover and loan facility. Let’s read further to know in detail about various aspects of the policy.

Eligibility Criteria of LIC Aadhaar Stambh Plan

The following are the eligibility criteria of the policy.

Criteria Minimum Maximum
Entry Age 8 years 55 years
Policy Term 10 years 20 years
Maturity Age 18 years 70 years
Premium Paying Term Same as the policy term
Sum Assured Rs 2,00,000 Rs 5,00,000

Benefits offered by LIC Aadhaar Stambh Plan

Let’s take a look at the benefits offered by LIC Aadhaar Stambh Plan

  1. Death Benefit

    In case of the demise of the life assured during the policy tenure, the death benefit paid to the beneficiary of the policy will be:

    • In case of demise of the life assured during the first five years, the sum assured on death shall be payable to the nominee of the policy.

    • In case of demise of the life assured after the completion of five policy years but before the maturity date, the death benefit is payable as a total sum assured amount and loyalty addition, if any. The sum assured on death is defined as:

    7 times of annualized premium, or;

    100% of the basic sum assured amount.

    The death benefit should not be less than 105% of the total premium paid up to the date of death.

  2. Maturity Benefit

    In case the life assured survives the entire tenure of the policy and all the premiums of the policy are dully paid, then the maturity benefit is paid as the sum assured on maturity along with loyalty addition, if any to the policyholder.

  3. Loyalty Additions

    If the policyholder has paid the first five years of premiums on time and depending upon the Corporation’s experience, the policyholder is eligible for Loyalty Additions at the time of maturity. 

  4. Surrender Benefit

    The policyholder can surrender the policy anytime after the completion of two consecutive policy years and provided all the premiums have been paid. The guaranteed surrender value should be equal to the premiums paid (excluding extra premiums, premium for rider and taxes, if any) multiplied by the guaranteed surrender value factor applicable to the total premium paid under the policy.

  5. Policy Loans

     Loans can be availed if the first two years are completed with the timely payment of premiums. With the active LIC Aadhaar Stambh policy status, the policyholder can avail 90% of surrender value as a loan. And for policies with paid-up status entitle the holder to avail 80% of the surrender value. 

  6. Tax Benefits

    The benefits are eligible for tax benefits under prevailing income tax laws.

    * Tax benefit is dependent on changes in tax laws

Optional Benefits Offered by LIC Aadhaar Stambh Plan

  • Additional Riders Benefit

    LIC Accident Benefit Rider allows the beneficiary to receive a lump sum amount in case of accidental demise of the life assured during the policy tenure. The rider can be added to the base policy if the policy has finished 5 successful years. The sum assured benefit offered under the accidental death benefit rider should not exceed the basic sum assured amount of the policy.

  • Settlement Option for Maturity and Death Benefit

    The Death and Maturity Benefit can be taken in instalments over 5, 10 or 15 years as requested by the beneficiary.

Premiums for LIC Aadhaar Stambh Plan

LIC Aadhaar Stambh Plan is activated within 7 working days of the premium payment. The premium can be paid in instalments in half-yearly, yearly, quarterly and monthly modes. 

Rebates Applicable

  1. Mode Rebate

    • Yearly Mode- 2% of Tabular Premium

    • Half-yearly Mode- 1% of Tabular Premium

    • Quarterly, Monthly & Salary Deduction- Nil

  2. Higher Basic Sum Assured Rebate

    • Basic Sum Assured Rebate

    • 75,0000-1,90,000 Nil

    • 2,00,000-2,90,000 1.50% of BSA

    • 3,00,000 2.00% of BSA

Documents Required to Purchase LIC Aadhaar Stambh Policy?

To buy this LIC policy, one has to provide the following:

  • Identity proof - Aadhar card, voter's card, and passport

  • Address proof- Aadhar card, driving license, electricity bill, ration card, voter's card, and/or passport

  • Income proof - such as Income tax returns or salary slips

  • Health record of the life assured

Exclusions of LIC Aadhaar Stambh Plan

LIC Aadhaar Stambh Plan reviews show that it is an ideal investment option for males lives who can secure their future and that of their families even in their absence.

A suicide clause is available as an exclusion in this plan which entitles the beneficiary to receive 80% of the premiums paid till death if the unfortunate event happens within 12 months of risk commencement and in case the suicide happens within 12 months of the revival of the policy, the beneficiary receives the higher of either the 80% of premiums paid or the Surrender Value.

FAQ's

  • Q: Are all death benefits accompanied by Loyalty Additions under LIC Aadhaar Stambh Plan?

    Ans: Loyalty additions are not always a part of death benefits. The Corporation decides eligibility of loyalty additions on the basis of a five-year premium payment record and the Corporation’s experience.
  • Q: Does LIC Aadhaar Stambh Plan allow a rebate in a premium amount?

    Ans: Rebates are available on the premium amount. For the yearly mode, 2% of the tabular premium rebate is available. For the half-yearly mode of payment, 1% of the tabular premium rebate is available.
  • Q: Can LIC Aadhaar Stambh Plan empower a minor?

    Ans: Yes, the policy is applicable for male lives who are minors starting from the completed age of 8 years.
  • Q: Does the plan allow auto cover for policyholders who fail to pay the premium?

    Ans: Ans: If the failure to pay happens within the first five years and three years full premium has been paid, then the auto cover up to six months duration is available. If the failure to pay the premium happens after the first five years full premium has been paid, the auto cover available is for two years.
  • Q: What happens if I miss paying a premium for the LIC Aadhaar Stambh plan?

    Ans: If you miss paying a premium for the LIC Aadhaar Stambh plan, there is a grace period of 30 days, during which you can pay without the policy lapsing.

*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

LIC of India
LIC Plans
LIC Pension Plans
LIC Investment Plans
LIC Varishtha Pension Bima Yojana
LIC New Endowment Plan
LIC New Jeevan Anand (Previously LIC Plan 149)
LIC Jeevan Rakshak Plan
LIC Limited Premium Endowment Plan
LIC Money Back Plan 20 years
LIC’s New Money Back Plan-25 years
LIC Bima Bachat Plan
LIC Jeevan Tarang Plan
LIC Komal Jeevan Plan
LIC Money Plus Plan
LIC Jeevan Labh Policy-936
LIC Online Premium Payment
LIC Jeevan Shanti Plan
LIC Jeevan Umang Plan
LIC SIIP Plan (Plan no. 852) 2024
LIC Jeevan Akshay VII Plan
LIC Annuity Plans
LIC Jeevan Shiromani Plan
LIC Jeevan Saathi Plus
LIC Bima Shree (Plan No. 948)
LIC Anmol Jeevan
LIC Bima Diamond
LIC Bhagya Lakshmi Plan
LIC Endowment Assurance Policy
LIC Endowment Plus Plan
LIC Micro Bachat Policy
LIC Money Plus
LIC Jeevan Dhara
LIC Jeevan Pramukh
LIC Jeevan Rekha
LIC Jeevan Saathi
LIC Jeevan Vriddhi
LIC Jeevan Chhaya
LIC Jeevan Shree
LIC Plans for 15 years
LIC Policy for Women 2024
LIC Nivesh Plus
LIC New Janaraksha Plan
LIC Samriddhi Plus
LIC Policy for Girl Child in India
LIC Bachat Plus Plan 861
LIC’s New Bima Bachat Plan 916
LIC Bima Jyoti (Plan 860)
LIC Yearly Plan
LIC Jeevan Akshay VII
LIC Child Plan Fixed Deposit
LIC Child Plans Single Premium
LIC Jeevan Jyoti Bima Yojana
LIC Jeevan Labh 836
LIC's Dhan Rekha
LIC's Saral Jeevan Bima
LIC New Jeevan Anand Plan 915
LIC’s New Jeevan Anand
LIC Savings Plans
LIC Fixed Deposit Monthly Income Plan
LIC Group Plans
LIC Bima Ratna
LIC New Jeevan Shanti
LIC Pension Plus Plan
LIC Dhan Varsha - Plan No. 866
LIC Crorepati Plan
LIC Jeevan Labh 1 Crore
LIC 1 Crore Endowment Plans
LIC Jeevan Azad
LIC Monthly Investment Plans
LIC Dhan Vriddhi
LIC Jeevan Kiran
LIC Jeevan Utsav
LIC Jeevan Dhara II-872
LIC Index Plus
LIC Amritbaal
Show More Plans
LIC Calculator
  • One time
  • Monthly
/ Year
Sensex has given 10% return from 2010 - 2020
You invest
You get
View plans

LIC of India articles

Recent Articles
Popular Articles
Partial Withdrawal Feature in ULIPs

19 Sep 2024

3 min read

ULIPs offer a flexible feature known as partial withdrawal. This
Read more
SBI Life Smart Platina Plus

09 Sep 2024

4 min read

SBI Life Smart Platina Plus is a life insurance savings plan
Read more
PNB MetLife Guaranteed Future Plan

04 Sep 2024

3 min read

The PNB MetLife Guaranteed Future Plan is a life insurance
Read more
Tata AIA Fortune Guarantee Plan

02 Sep 2024

3 min read

The Tata AIA Fortune Guarantee Plan is a reliable savings plan
Read more
PNB MetLife Goal Ensuring Multiplier Plan

02 Sep 2024

2 min read

The PNB MetLife Goal Ensuring Multiplier Plan is a market-linked
Read more
ULIP Calculator

2 min read

A ULIP Calculator is a financial tool designed to help you compare ULIP plans and estimate the maturity amount
Read more
SBI Life Smart Privilege Plan: Benefits & Features

4 min read

SBI Life Smart Privilege is a unit-linked, non-participating life insurance plan offered by SBI Life Insurance
Read more
Tata AIA ULIP Plan Calculator

3 min read

A Tata AIA ULIP Plan Calculator is a premium and returns calculation tool that helps easily and quickly compare
Read more
ULIP Returns in 5 Years

4 min read

ULIP means Unit Linked Insurance Plan. It is a unique financial instrument that combines insurance coverage with
Read more
8 Things to Know About the Tax Benefits of ULIPs

4 min read

ULIPs have become a popular choice for tax-saving investments in India. They offer dual benefits: life insurance
Read more

LIC India Insurance Reviews & Ratings
4.6 / 5 (Based on 73 Reviews)
(Showing Newest 10 reviews)
Meer
Chalakudy, January 01, 1970
Easy claim settled
I bought the Lic India term plan from the suggestion of my family friend and he recommended me a lot of plans. He said that the claim settlement ratio is quick and easy. Also, it is protective plan.
Ram
Balasore, January 01, 1970
Child security fulfilled
I have bought a Lic India child plan online and it has been a year now. I like the way the this works. It is a nice plan I got for my child’s security.
Jyotsana
Asifabad, January 01, 1970
Additional riders
Along with my Lic India term insurance plan I have got the additional riders too. It has been an important thing for me and can be useful at any point in time. It can be added with a minimal amount.
Anubha
Mainpuri, January 01, 1970
Low premium
The premium rate of the child insurance plan of LIC India which I bought 3 years ago is best and it was under my budget. I was searching for some good plans related to child insurance. I got the way of buying this plan and loved it.
Nimesh
Lakhimpur Kheri, January 01, 1970
Tax rebate
I bought a Lic India term insurance policy online and it has been into my budget. Also, I like one thing that I would able to get the tax benefits under it. It is a good option and can be beneficial for all tax payers.
Amisha
Babina, January 01, 1970
Maturity benefits to get
It is easy to get the maturity benefits when LIC India child plan gets matured and my child would get a better return. It would be easy for him to get the best education and can go for a higher education abroad.
Jay
Lakhimpur, January 01, 1970
Safety
I feel safe and secured for my family when I will be not around. The Lic India ULIP plan will give the better returns and maturity benefits. And will be quite helpful for my family to sustain their future.
Amit
Raghunathpur, January 01, 1970
Happy customers
I am one of the happiest customer of Lic India term plan and I have found various good deals. It is the plan which has come under my budget. And it has been a protective shield for me and my family.
Ashok
Mota Chiloda, January 01, 1970
Great plan
I am happy with this plan and have recommended many people for the same. I bought the Lic India ulip plan 2 years back and It is a best kind of investment.
Azam
, January 01, 1970
Good Benefits
It is important for everyone to understand that benefit is must when you are buying a child insurance plan. I bought a beneficial child plan of LIC India.
top
Close
Download the Policybazaar app
to manage all your insurance needs.
INSTALL