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~
6.7 Crore
Registered Consumers
Insurance Partners
3.4 Crore
Policies Sold
Now Available on Policybazaar
Grow wealth through
100% Guaranteed Returns with LIC
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~
6.7 Crore
Registered Consumers
Insurance Partners
3.4 Crore
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.


  • 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:-
++Returns are 10 years returns of Nifty 100 Index benchmark

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