The LIC Dhan Rekha policy is a money-back plan that offers regular sums of money to policyholders. It also comes with guaranteed additions to the death and maturity benefits which increases the final amount that you are entitled to. The LIC Dhan Rekha maturity calculator will help you calculate this amount yourself before actually buying the policy.Read more
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Guaranteed maturity with life
cover for securing family's future
Tax saving under Sec 80C &
Sovereign guarantee as per
Sec 37 of LIC Act
Maturity benefit is the amount you get at the end of the policy term if you survive the whole duration. Knowing this value will help you decide if the LIC Dhan Rekha plan is worth the premiums charged and if you can afford it.
It is a LIC calculator that lets you calculate the maturity benefit amount using a set of factors. It also displays the premium amount against your desired sum assured. Here are the factors that the LIC premium and maturity calculator uses -
Premium paying term
Type of premium payment
Based on the details that you fill in, the calculator arrives at a value. Therefore, every user gets a unique estimation as per their needs.
To fill in the above requirements, you need to be aware of the minimum and maximum eligibility conditions for LIC Dhan Rekha.
|Policy Term||20 years||30 years||40 years|
|Minimum Entry Age||8 years||3 years||90 days|
|Maximum Entry Age (Single Premium)||60 years||50 years||40 years|
|Maximum Entry Age (Limited Premium)||55 years||45 years||35 years|
|Minimum Maturity Age||28 years||33 years||40 years|
|Maximum Maturity Age||Single-Premium - 80 years
Limited Premium - 75 years
|Sum Assured||Minimum - Rs. 2 Lakhs
Maximum - No limit
|Premium Paying Term||10 years||15 years||20 years|
Here’s an example of how the calculator will use your details to give you the maturity benefit amount and the premium quote.
Entry Age - 26 years
Basic sum assured - Rs. 10 Lakhs
Policy Term - 20 years
Type of premium payment - Limited
Premium paying term - 10 years
Guaranteed addition from 6th year - Rs. 50 per Rs. 1000 sum assured
Calculated Benefits -
Monthly premium - Rs. 8,754
Total guaranteed addition after 20 years - ((50 x 10,00,000/1,000) x 15) - Rs. 7,50,000
Survival Benefit -
After 10 years - 10% of 10,00,000 - 1,00,000
After 15 years - 10% of 10,00,000 - 1,00,000
Maturity benefit - Sum assured plus guaranteed additions - 10,00,000 + 7,50,000 = 17,50,000
It helps with future financial planning.
It gives information about the affordability of the plan.
It can be used multiple times at no cost and from the comfort of your home.
It offers personalized results as per the input of each user.
It limits the chances of miscommunication by third parties.
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