LIC Endowment Policy Maturity Calculator

LIC Endowment Maturity Calculator is an online tool that helps policyholders check the maturity value of their LIC Endowment policies. Not only this, but the calculator also helps the policyholder calculate the premiums payable against their LIC Endowment policy.

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What is the LIC Endowment Policy Maturity Calculator?

LIC Endowment Policy Maturity Calculator is an online and user-friendly tool that evaluates an approximate amount of maturity value of the policy. The tool helps the customers get an overview of the maturity value assured by the insurer to get an insight into the product details and reliability of the plan. The LIC Endowment Policy Maturity Calculator uses the below information to evaluate the maturity sum assured of your LIC policy:

  • Sum Assured in the Plan: Minimum Sum assured in the LIC Endowment Policy is Rs. 10 lakhs, and the Maximum Sum has no limits.

  • Premium Payment Term: The minimum premium paying term is 12 years, and the maximum paying term is 35 years.

  • Date of Purchase: This asks for the customers' date of purchasing the plan to evaluate the date of maturity. The maximum maturity age of the plan is when the customers reach 75 or nearer their birthday.

After filling in the above details, the LIC Endowment Policy Maturity Calculator will evaluate the reasonably approximate maturity amount that the customer will receive at the time of maturity.

Benefits of LIC Endowment Policy Maturity Calculator

LIC Maturity Calculator helps policy seekers and policyholders calculate the maturity amount, determining the plan's suitability, affordability, and credibility. This tool is helpful for LIC customers and especially for policyholders of the LIC Endowment Plan. The benefits of the LIC Endowment Policy Maturity Calculator are:

  • Easy and Quick Evaluation: The LIC Endowment Policy Maturity Calculator helps policyholders evaluate maturity without manual labour in a quick way.

  • Efficiency: The calculator provides a fairly approximate maturity amount, which helps the customers with further planning.

  • Easier Analysis: The LIC Endowment Policy Maturity Calculator helps analyse the policy details and benefits.

  • Error-free: The possible mistakes in manual evaluation become negligible by using the LIC Endowment Maturity Policy Calculator.

  • Comparison: With the help of the calculator, policy seekers can easily contrast and compare their desires and benefits of different policies under LIC Life Insurance Plans.

How is the Maturity Calculated in the LIC Endowment Plan?

With the LIC Endowment Plan, the Paid-Up Value is the amount you will get when your policy matures. The sum assured during term maturity is reduced to the Maturity Paid-Up Sum Assured. Basically, this new amount is calculated by taking the original sum you were guaranteed at maturity and multiplying it by the ratio of the total premiums you've already paid to the maximum number of premiums you were supposed to pay initially.

For instance, 

Basic Sum Assured= X

Periods Premiums have been paid= a

Original Tenure of Premium Payments= b

Maturity Paid-Up Sum Assured= X (a: b)

The insurer will pay the Maturity Paid-Up Sum Assured along with simple reversionary bonuses and final additional bonuses (if any) at maturity. That means:

Total Maturity Amount = Maturity Paid-Up Sum Assured + Simple reversionary bonuses + Final Additional Bonuses (if any)

This considerable lump sum of money the insurer assures is lucrative for the customers to invest in this specific plan. This sum of money helps the policyholders in other financial crises and maximizes the money as per their convenience.

How to use the LIC Endowment Policy Maturity Calculator?

The Endowment Policy's premium charges and maturity amount will differ from individual to individual. This change usually depends on the sum assured and the policy tenure. The LIC Endowment Policy Maturity Calculator will evaluate the maturity amount according to the customers' data. The steps that a customer needs to follow to use the calculator:

Step 1: Visit the official LIC portal. (

Step 2: Click on the "Customer Services" section

Step 3: Search for LIC Calculator

Step 4: Fill in the required credentials like plan’s name, sum assured, policy term, and starting date.

Step 5: Click “Submit”.

Step 6: The maturity value and the premium charged will be shown accordingly.

Step 7: The calculator will show the sum assured amount, total bonus amount, and maturity date under the maturity value section.

Wrapping It Up

The LIC Endowment Policy Maturity Calculator will help the customers plan their maturity amount accordingly, and the policyholders will find whether the plan is appropriate to their requirements. This online tool will evaluate the amount customers can easily spend on their financial liquidities. Such a lump sum at maturity is lucrative to an already beneficial plan.


  • Q: How accurate is the maturity amount calculated by the LIC Endowment Policy Maturity Calculator?

    Ans: The LIC Endowment Policy Maturity Calculator provides an accurate maturity amount based on the information provided by the policyholder. However, the final amount received at the end of the term may vary slightly due to factors such as bonuses declared by LIC, investment performance, and other policy-specific variables.
  • Q: What happens if I miss paying premiums for my LIC Endowment Policy?

    Ans: If you miss paying premiums for your LIC Endowment Policy, it may lead to your policy becoming lapsed or inactive. In such cases, the benefits associated with the policy, including the maturity amount, may be affected. Thus, it is important to keep your premiums up to date to ensure the policy remains active and continues to accrue benefits.
  • Q: Can I change the policy details after using the LIC Endowment Policy Maturity Calculator?

    Ans: The LIC Endowment Policy Maturity Calculator provides an estimate based on the information provided at the calculation time. If you wish to change your policy details or explore different options, you can change the details provided and get the customized calculation as per your needs.

*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

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