LIC Plans to Invest in 2026

Evaluate these top-rated LIC insurance plans from the LIC policy list and choose the best LIC policy to secure your and your loved one’s future while maximizing your investment potential with some of the best LIC new plans.

List of LIC Plans to Invest in 2026

The plans offered by LIC of India are customized to fit perfectly with your financial goals and risk profiles. From this LIC policy list, customers can choose from pure protection to endowment plans, money-back plans, and unit-linked insurance plans per their requirements. The best LIC policy that you need must fulfill your desired criteria of security and investment for your loved ones.

The Best LIC Policy 2026 you should consider investing in are detailed below.

We have described the key features of various plans in the above-mentioned best LIC policy list. To make an informed decision, you must be aware of the LIC Policy details of the plan you wish to purchase.

LIC Index Plus

LIC Index Plus is a ULIP plan that offers the dual benefits of life insurance coverage and savings. It allows you to secure your financial future, and you can customize your plan according to your needs.

Key Features:

If the insured person outlives the policy's maturity date and has paid all the premiums, they'll receive an additional sum equal to the total amount of charges deducted for life insurance coverage, along with their Maturity Benefit. This benefit is known as Refund of Mortality Charges.

Policyholders will receive Guaranteed Additions as an additional benefit as the policy matures. These additions are a percentage of your annual premium and are added to your fund after specific durations.

This plan allows you to choose your investment funds from:

Flexi Growth Fund: Benchmarked against the NSE Nifty100 index,

Flexi Smart Growth Fund: Benchmarked against the NSE Nifty50 index.

LIC Nivesh Plus

LIC Nivesh Plus is a single premium ULIP plan that offers the combined benefits of life protection and wealth creation. The plan offers the flexibility to choose the type of Sum Insured and also have a choice of investing the premium in one of the four types of investment funds available as per your risk appetite.

Key Features:

Policyholders will receive the predetermined guaranteed additions as a percentage of the Single Premium, which will be added to their unit fund value.

The plan offers an Accidental Death Benefit Rider and provides additional protection.

After the policy's fifth anniversary, you can withdraw some of your money, either as a fixed amount or a set number of units. This feature allows policyholders to deal with any unforeseen financial crisis.

LIC Jeevan Umang

LIC Jeevan Umang is a whole life insurance plan that guarantees an income source for your family in case of your unfortunate demise during the policy term. This plan offers several benefits, including the death benefit, maturity benefit, and annual survival benefit.

Key Features

The policy provides a death benefit if the Life Assured under this plan dies during the policy term.

If the Life Assured survives the maturity period, (s)he is eligible to receive a maturity benefit equal to the basic sum assured. Further, LIC is payable any applicable Final Additional bonus and vested Simple Reversionary Bonus along with the sum assured.

If the policyholder survives the policy term, (s)he can avail of a survival benefit equal to 8% of the basic sum assured.

LIC Jeevan Utsav

LIC Jeevan Utsav is a whole life insurance policy that provides protection and financial support to the family after your death. Under the plan, one can avail of the survival benefits in the form of Regular Income Benefits or Flexi Income Benefits as per the option chosen.

Key Features:

The plan offers two benefit options: Option I, a Regular Income Benefit, or Option II, a flexible income Benefit.

Under the plan, the policyholders will get the Guaranteed Additions throughout their Premium Paying Term.

Under this guaranteed return LIC plan you can avail oneself of the benefit of an attractive High Sum Assured Rebate.

LIC New Pension Plus

LIC New Pension Plus is a unit-linked pension plan that helps policyholders build a retirement corpus through flexible premium payments. It generates a reliable pension with market-linked returns and guaranteed additions and ensures long-term security for post-retirement income.

Key Features:

Flexible Premium Payments: Choose between single or regular premium payments, with monthly, quarterly, half-yearly, and yearly options.

Market-Linked Returns: Based on your risk profile, invest in one of four fund options, with the flexibility to switch funds up to four times annually.

Guaranteed Additions: Receive guaranteed additions to your fund value at specified intervals, enhancing the corpus for retirement.

LIC New Jeevan Shanti

LIC New Jeevan Shanti is a single-premium deferred annuity pension plan offering a financially stable future post-retirement. The plan allows policyholders to choose between a single life and a joint life deferred annuity.

Key Features:

The policy offers an annuity payout during the deferment period.

The death benefit is defined as higher of:

The combined amount of purchase price and accrued benefits minus the total annuity payable till death

105% of the purchase price

Policy loans can be availed after three months of policy issuance.

LIC New Jeevan Anand

LIC New Jeevan Anand is a non, linked life insurance plan with profits, which is provided by the Life Insurance Corporation of India (LIC). It is a blend of an endowment and a whole, life policy, thus, the policyholder gets comprehensive life insurance cover along with the option to share in the insurer's profits through bonuses.

Key Feature:

This LIC savings plan provides lifetime insurance cover for the insured, thus, in case of an unfortunate event, the policyholder's family will be financially secured.

Maturity Benefit: After surviving the term of the policy, the policyholder is entitled to receive the sum assured along with the reversionary bonuses declared during the policy period and the final additional bonus, if any.

Death Benefit: In case the policyholder dies during the policy term, the nominee will be paid the sum assured under death cover with reversionary bonuses declared so far and a final additional bonus, if any.

LIC New Jeevan Amar

Of the various LIC plans that are good for saving in 2026, the New Jeevan Amar plan by LIC offers cheap premium rates, thus, it is an economical option for budget, conscious people. The death benefit payable to the beneficiary under this plan can be a good financial support for the policyholders family in case of his/her demise.

Key Features:

The death benefit can be paid out as:

• Level Sum Assured, wherein the sum assured remains constant throughout the policy term

• Increasing Sum Assured, wherein the sum assured increases at a fixed percentage of the basic sum assured.

Flexible premium payment terms, including a single lump sum amount or periodic payments under Regular and Limited payment modes.

Offers rebates with a single premium payment. The rebates differ according to the policyholder's age, the sum assured, and the death benefit option. Please note that the minimum sum assured has to be Rs.50 Lakhs to be eligible for this rebate.

LIC Amritbaal

LIC Amritbaal is a life insurance plan designed to protect your child's future. It ensures that your child has enough financial freedom to pursue his/her future milestones. This LIC new plan gives you the liberty to make it as per your desires and also offers flexibility.

Key Features:

Guaranteed Addition: You will get Rs. 80 for each thousand of the Basic Sum Assured yearly along the policy term.

Flexible Options: Decide on payment of a single or limited premiums, maturity ages (18, 25), and a premium waiver rider.

High Sum Assured Rebate: Get an allowance on the higher sum assured amount.

LIC Jeevan Labh

LIC Jeevan Labh is a limited premium endowment plan that aims to offer policyholders life insurance protection along with the advantages of saving and investing, thus providing them and their families a financially safe future.

Key Features:

Limited Premium Payment: The policyholders can choose a premium payment term from the options available and thus, be facilitated to pay premiums only for a limited period while at the same time being covered for a longer term.

Maturity Benefit: Upon maturity of the policy term, the policyholder will be entitled to the sum assured plus the simple reversionary bonuses that have vested and the final additional bonus, if any.

Death Benefit:

If the policyholder dies during the term of the policy, the nominee will receive the death sum assured plus the simple reversionary bonuses that have vested and the final additional bonus, if any.

Which LIC policy is Best for High Returns?

If you want to get the most out of your money with an LIC policy, first, it would be best to select the plans which give you both good returns and sufficient coverage. Here are a few LIC plans which are not only aimed at giving you high returns but, at the same time, also provide you with sound financial security:

LIC Unit Linked Investment Plans (ULIPs)

Those who want market-linked growth should go for the LIC Index Plus plan ,which is considered one of the best plans by LIC in terms of high returns. This policy comes with guaranteed additions and also, gives you the potential to earn through the performance of the market.

LIC Jeevan Utsav
LIC Jeevan Utsav is a whole life plan that is recognized as one of the best options among high-return LIC plans. The plan cannot only give you guaranteed additions every year but it also offers a very attractive High Sum Assured Rebate, which makes it one of the best LIC policies with good returns.

LIC Jeevan Umang
The LIC Jeevan Umang plan provides guaranteed annual survival benefits and a lump sum maturity benefit, making it an LIC policy with good returns for investment with consistent high returns over the long term.

LIC Nivesh Plus
If you’re looking for an LIC high return policy with flexible options, LIC Nivesh Plus, a single-premium ULIP plan, provides multiple investment funds, allowing you to tailor your investments based on your risk profile as it offers guaranteed additions to your unit fund at regular intervals.

LIC New Pension Plus
As far as retirement planning is concerned, if one wants to have a yearly pension with a stable and predictable income, then the market-linked returns with guaranteed additions offered by the LIC New Pension Plus plan are most suitable. Being one of the best LIC plans for high returns, this plan helps in creating the corpus by allowing flexible premium payment and also offers multiple fund, switching options to maximize the returns.

LIC New Jeevan Shanti
To those looking for a guaranteed return plan, a single premium option for building a retirement corpus has been offered by the LIC New Jeevan Shanti plan. This LIC high return policy guarantees regular pension payments after retirement and it is the best policy for those who look for the maximum return at the same time want to focus on stability and having a guaranteed income.

**LIC also offers term insurance plans with comprehensive protection and affordable premiums besides these policies. While term insurance does not offer returns in the form of maturity benefits, it provides financial security for your family in case of an unfortunate event.

More LIC Plans to Invest In 2026!

Here is an additional list of LIC new plan 2026 that you can go through to choose the best LIC plan for yourself. Explore the list to understand the LIC policy details for each plan.

LIC’s Bima Shree

It is a plan mainly for high net worth individuals which gives periodic survival benefits, a lump sum at the end of the term, and the family is financially secured if death occurs prematurely.

LIC's New Money Back Plan- 20 Years

It is a plan that offers survival benefits at regular intervals, limited premium payments, surrender value, and loan options for the convenience of the customers.

LIC's New Money Back Plan-25 years

Periodic payouts, bonuses, and life cover are the hallmark features of a money, back plan that also provides the guarantee of financial security and liquidity.

LIC's Jeevan Tarun

It is a savings and protection plan designed for children, with limited premium payment terms, and the risk coverage is starting from the early age of the customer.

LIC's Bima Ratna

It is a guaranteed returns insurance plan from LIC that offers flexible death/maturity benefit payment options, premium incentives, and loan facilities.

LIC's Single Premium Endowment Plan

This is a long-term benefit plan that requires a single payment of premium and provides savings, life cover, and bonus participation.

LIC's New Endowment Plan

A classical savings and protection plan with the advantages of maturity benefits, death cover, loan facilities, and optional riders.

LIC's Jeevan Lakshya

It is a goal-based endowment plan with flexible premium payment choices and bonus participation for obtaining higher returns.

LIC's Bima Jyoti

It is an insurance plan of guaranteed return put up by LIC with fixed annual additions and the possibility of taking a loan to ease liquidity.

LIC's Jeevan Azad

Offers a dual, benefit scheme through which one can save and get insured at the same time. Besides the regular benefits of death and maturity amount, the plan also offers a lump sum benefit on death and maturity.

LIC’s Digi Term

A term insurance plan with high flexibility. It comes with several sum assured options. The company also offers special rates for women and smoker/non, smoker premium distinctions.

LIC’s Digi Credit Life

This is a credit protection plan with the feature of premium flexibility. Ladies are offered special rates here and non-smokers also receive benefits.

LIC’s Yuva Credit Life

Life cover plans offer flexible terms with the added benefit of getting discounts on the premium and allowance of differential rates to smokers and non-smokers.

LIC’s Yuva Term

It has been specially designed for the youth. This is a term plan which offers plenty of flexibility in terms of the sum assured, discounts on the premiums, death benefits that can be availed in installments.

LIC's New Tech-Term

A pure term insurance plan of the risk kind that guarantees the financial security of the nominee in the event the policyholder passes away.

LIC's Saral Jeevan Bima

A simple term plan providing financial security with tax benefits and simple terms.

How To Choose the Best LIC Plan to Invest in 2026?

There are a lot of new plans from LIC and several trustworthy options, out of which wise picking can result in financial growth and protection.

• Set your objectives: Consider if you want to create wealth, have a life cover, get retirement income, or have guaranteed returns to guide you in selecting the right LIC plans.

• Compare the plans: Besides the Aged LIC plan Jeevan Anand, which you may still use, you may also check the new LIC plans for the updated features and greater flexibility.

• Check affordability: Be sure that premiums are within your budget whether you choose the low-premium high-return or medium-term high-return plans.

• Features Review: Examine advantages, bonuses, surrender rules, and maturity payouts. You might want to choose plans that have guaranteed additions or loyalty bonuses.

• Duration should Align with your goals: Choose your policies based on your investment horizon: short-term growth or long-term structured benefits.

Once you have decided, you can buy the policy online through the LIC website, Policybazaar, or an LIC agent.

Tips to Maximise Returns from Your LIC Policy

In order to fully benefit from a high-return policy of LIC, you should devise ways that your money would grow quickly. Alternatively, look for ways to pick a low, premium, high-return LIC policy.

You can decide on the best return LIC policy in 2026 without any hassle if you just follow the guide below:

• Longer, High Bonus Plans: Plans such as LIC Jeevan Labh or LIC Jeevan Utsav give higher reversionary bonuses and final bonuses. A 10-year high-return policy generally provides better yields in the case of longer terms.

• Participating Policies: Participating policies like LIC Jeevan Labh offer an annual bonus and a loyalty bonus, which is the value among high-return policies.

• Pay Annually and Start Early: Annual payments help to reduce the cost and, at the same time, increase the return. Starting early, especially with the Jeevan Utsav plan, guarantees the benefit of compounding in the long term.

• Avoid Policy Surrender or Early Exit: Exiting the policy prematurely not only forfeits but also reduces the bonuses that have accumulated. Policies like LIC Money Back are most effective when the policyholder stays till the last day.

How To Buy LIC Plans From Policybazaar?

If you want to purchase LIC plans through Policybazaar, here are some simple steps you can take:

Step 1: Head over to Policybazaar and select LIC.

Step 2: Enter your name and contact number. Next, click 'View Plans'.

Step 3: Pick up an LIC policy from the list displayed in the next window and click on 'View Details'.

Step 4: You can check the benefits of the plan and also reconfirm the plan details, such as premium amounts, maturity amount, age, etc and click on 'Proceed'.

Step 5: The plan will be purchased after you make the payment for the first premium.

When purchasing LIC plans via Policybazaar, you get to enjoy numerous benefits such as plan comparison, detailed information on a specific plan, and an easy payment gateway to finish the process.

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