LIC Plans to Invest in 2025

List of LIC Plans to Invest in 2025

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 2025 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.

1. 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.

2. 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 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.

3. 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. 

4. 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. 

5. 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.

6. 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. 

7. LIC New Jeevan Anand

   LIC New Jeevan Anand is a participating non-linked life insurance plan offered by the Life Insurance Corporation of India (LIC). It combines the benefits of both endowment and whole-life policies, providing policyholders with comprehensive life coverage and the opportunity to participate in the insurer's profits through bonuses.

   Key Feature:

   • This LIC investment plan offers coverage for the entire insured's lifetime, ensuring financial protection for the policyholder's family in the event of an unfortunate demise.

   • Maturity Benefit: Upon survival until the end of the policy term, the insured receives the sum assured along with vested reversionary bonuses and a final additional bonus, if any.

   • Death Benefit: If the policyholder dies during the policy term, the nominee receives the death sum assured along with vested reversionary bonuses and a final additional bonus, if any.

8. LIC New Jeevan Amar

   From the list of LIC best plan 2025, the LIC New Jeevan Amar plan has reasonable premium rates, making it an economical choice for those on a budget. The death benefit payable under this plan can serve as a strong financial measure for the policyholder’s family in the event of her/his death.

   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.

9. 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 allows you to customize it according to your needs and provides flexibility.

   Key Features: 

   • Guaranteed Addition: Earn Rs. 80 per thousand of the Basic Sum Assured each policy year.

   • Flexible Options: Choose between single and limited premium payments, maturity ages (18-25), and a premium waiver rider.

   • High Sum Assured Rebate: Benefit from a rebate on a higher sum assured.

10. LIC Jeevan Labh

    LIC Jeevan Labh is a limited premium endowment plan designed to provide policyholders with life insurance coverage and the benefits of savings and investment, ensuring a secure financial future for them and their loved ones.

    Key Features:

    • Limited Premium Payment: Policyholders can choose from various premium payment terms, making it convenient to pay premiums for a limited period while enjoying long-term coverage.

    • Maturity Benefit: At the end of the policy term, the insured receives the sum assured along with vested simple reversionary bonuses and a final additional bonus, if any.

    • Death Benefit: If the policyholder dies during the policy term, the nominee receives the death sum assured along with vested simple reversionary bonuses and a final additional bonus, if any.

Which LIC policy is Best for High Returns?

When looking for the best LIC policy for high returns, it’s crucial to choose plans that combine both strong returns and comprehensive coverage. Here are some LIC plans that are designed to maximize returns while providing robust financial security:

1. LIC Unit Linked Investment Plans (ULIPs)

   For individuals interested in market-linked growth, LIC Index Plus is a top is ideal for those seeking a LIC investment plan with high returns, as it offers guaranteed additions and an opportunity to earn through market performance.

2. LIC Jeevan Utsav

   The LIC Jeevan Utsav is a whole life policy considered one of the options of best LIC plan with high returns. It offers guaranteed additions throughout the policy term and provides attractive High Sum Assured Rebate, making it one of the best LIC policies with good returns.

3. 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.

4. 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.

5. LIC New Pension Plus

   For individuals looking to secure a stable post-retirement income, the LIC New Pension Plus plan offers market-linked returns with guaranteed additions. This plan is one of the best LIC plans for high returns for retirement planning, as it builds a corpus through flexible premium payments and offers multiple fund-switching options to optimize returns.

6.  LIC New Jeevan Shanti

   For those focused on securing a guaranteed return plan, the LIC New Jeevan Shanti
   plan offers a single premium option for building a retirement corpus. This LIC high return policy guarantees regular annuity payouts post-retirement and is an ideal choice for those seeking the best LIC policy for maximum return with a focus on stability and 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 2025!

Here is an additional list of LIC new plan 2025 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.

1. LIC’s Bima Shree

   A high-net-worth individual-focused plan offering periodic survival benefits, a lump sum at maturity, and financial security for the family in case of untimely death.

2. LIC's New Money Back Plan- 20 Years

   Provides regular survival benefits, limited premium payments, surrender value, and loan options for financial flexibility.

3. LIC's New Money Back Plan-25 years

   A money-back plan with periodic payouts, bonuses, and life cover, ensuring financial security and liquidity.

4. LIC's Jeevan Tarun

   A child-focused savings and protection plan with limited premium payment terms and risk coverage starting early in life.

5. LIC's Bima Ratna

   A guaranteed returns LIC insurance policy with flexible death/maturity benefit payouts, premium discounts, and loan facilities.

6. LIC's Single Premium Endowment Plan

   A one-time premium plan providing savings, life cover, and bonus participation for long-term benefits.

7. LIC's New Endowment Plan

   A traditional savings and protection plan offering maturity benefits, death cover, loan facilities, and optional riders.

8. LIC's Jeevan Lakshya

   A goal-based endowment plan with flexible premium payment options and bonus participation for enhanced returns.

9. LIC's Bima Jyoti

   A guaranteed returns LIC insurance policy with fixed annual additions and loan availability for liquidity.

10. LIC's Jeevan Azad

    A dual-benefit plan providing savings and protection with lump sum maturity and death benefits.

11. LIC’s Digi Term

    A flexible term insurance plan with different sum assured options, special rates for women, and smoker/non-smoker premium distinctions.

12. LIC’s Digi Credit Life

    A credit protection plan with premium flexibility, special rates for women, and non-smoker benefits.

13. LIC’s Yuva Credit Life

    A life cover plan with flexible terms, premium discounts, and differential rates for smokers and non-smokers.

14. LIC’s Yuva Term

    LIC Yuva Term Plan – A youth-centric term plan with sum assured flexibility, premium discounts, and installment-based death benefit options.

15. LIC's New Tech-Term

    A pure-risk term insurance plan ensuring financial security for the nominee in case of the policyholder’s demise.

16. LIC's Saral Jeevan Bima

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

How To Choose the Best LIC Plan to Invest in 2025?

With many LIC new plans, LIC latest policies, and long-trusted options, choosing wisely can help you secure strong financial growth and protection. The steps below will guide you in picking the best LIC policy for investment:

Step 1: Identify Your Financial Goals

Decide whether you want long-term wealth creation, life cover, retirement income, or guaranteed returns. This helps you shortlist the LIC investment plan that suits your needs.

Step 2: Compare LIC Plans 

Many prefer LIC plans like Jeevan Anand Policy, while others choose a LIC new plan for updated features and better flexibility. Explore both to find the best LIC policy for investment based on your needs.

Step 3: Check Premium Affordability

Ensure premiums fit your budget. Some customers prefer a low premium high return LIC policy, while others choose the best LIC policy for 10 years with high returns for medium-term goals.

Step 4: Review the Policy Features Carefully

Go through the benefits, bonus rates, surrender rules, and maturity payout. If you want reliable income, explore LIC new plans and LIC latest policy options that provide guaranteed additions or loyalty bonuses.

Step 5: Match the Plan Duration with Your Goal Timeline

Shortlist policies based on the period you want to invest. If you're seeking quick growth, look for the best LIC policy for maximum return or ask which LIC policy gives maximum returns. For structured long-term benefits, check the full LIC policy list for traditional and newly launched plans.

After you have decided which policy you want to take, you can go online to LIC official website or platforms like Policybazaar to purchase or contact an LIC agent. 

Tips to Maximize Returns from Your LIC Policy

When selecting an LIC high return policy, it's important to focus on strategies that can help you unlock the maximum value. Whether you're looking for the best LIC policy with high returns or a low premium high return LIC policy, these tips can guide you.

By following these tips, it will be easy for you to choose the best LIC policy for maximum return in 2025:

• Choose Long-Term, High-Bonus Plans
  Plans like LIC Jeevan Labh and LIC Jeevan Utsav are structured to offer higher reversionary and final bonuses. If you're choosing the best LIC policy for 10 years with high returns, note that returns generally improve with longer terms.

• Opt for Participating Policies
  Participating plans such as the LIC of India Jeevan Labh accumulate annual bonuses and loyalty additions, making it a strong option in the LIC policy with maximum returns policy list.

• Pay Annually and Start Early
  Annual premium payments reduce cost and boost effective returns. Starting early, especially with plans like Jeevan Utsav LIC, one of the LIC best plan 2025, ensures long-term compounding.

• Avoid Early Exit
  Surrendering early can reduce or eliminate bonuses. Policies like LIC Money Back Policy should be held till maturity for optimal benefit.

How To Buy LIC Plans From Policybazaar?

If you wish to buy LIC plans from Policybazaar, here are some easy steps to follow:

Step 1: Go To LIC on Policybazaar.

Step 2: Fill in your name and contact number. Then click on ‘View Plans’.

Step 3: Choose from the LIC policy list given in the next window and click on ‘View Details’.

Step 4: Check the plan benefits and verify the plan details such as premium amounts, maturity amount, age, etc and click on ‘Proceed’

Step 5: Pay the first premium to purchase the plan.

By purchasing LIC plans from Policybazaar, you can get various benefits such as plan comparison, a detailed description of specific plans, and an easy payment gateway to complete the process.

Summing Up

In 2025, a careful evaluation of LIC plans allows investors to select the best LIC plan that effectively combines financial security, wealth accumulation, and long-term growth. Choosing the best LIC policy ensures your investments are safeguarded while providing reliable protection for your family’s future.

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