LIC Jeevan Amar Premium Calculator

LIC Jeevan Amar Plan is one of the best policies offered by LIC (Life Insurance Corporation), an Indian government initiative. Death for a person is inevitable, but a need for money always accompanies mental trauma. This is an essential financial aspect that needs to be taken care of.

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Many families become the victim of this situation, but with this Plan, these situations could be eradicated. Although it includes many other provisions, arrangements received after the applicant's death is the most important feature of this Plan until and unless the case fulfils the basic terms and conditions. This Plan also gives security to the applicant depositions as the returns obtained have a very low risk.

LIC Jeevan AmanPlan Overview



Entry Age

Min - 18 years

Max - 65 years 

Maturity Age

80 years (last birthday)

Policy Tenure

Minimum:10 years

Maximum: 40 years

Sum Assured

Rs. 25 Lakh

Premium Payment Term

Limited Premium:

  • Policy Term less than 5 years: 10 years to 40 years 
  • Policy Term less than 10 years: 15 years to 40 years 

Regular Premium: Same as the policy term

Grace Period

30 days; 15 days for monthly

Premium Paying Frequency

Monthly, Quarterly, Semi-Annually, and Annually


No loans are available against the policy.

What is the LIC Jeevan Amar Premium Calculator?

A calculator is a tool that is generally used to make complicated calculations hustle-free. LIC Jeevan Amar Premium Calculator is one such tool that is used for calculating the annual percentage returns, assured sum returns, term plan time period, whole payout tenure, etc., under the Jeevan Amar Plan.

This calculator also provides the advantage of calculating the amount that the investor or the policyholder will have to pay for the entire time period as the premium. LIC Jeevan Amar Premium Calculator calculates the amount to be paid by the investor known as the premium according to the payout capacity and criteria the user wishes for with no hidden charges or terms and conditions, everything that concerns the customer for a particular policy is exhibited right in the calculated form. 

The Jeevan Amar Calculator also calculates the amount of tax that can be saved in different premium options for the different time periods. This calculator comes with easy data collecting and processing in a tabular form, with clear and precise columns for data input and a separate column for output data that provides the benefit to view all the important details in a single place and form.

How to use the LIC Jeevan Amar Calculator Online?

The best way to calculate the assured sum of a policy would be to sit with an agent in an offline mode and finish the calculation or visit the nearest LIC Branch. As the calculators available online are not official calculators and the details can be misused. Most of the websites available online still provide one with a rough estimation of the returns for a given policy. 

Step 1: To use the LIC Jeevan Amar Calculator, the user needs to visit the official website of LIC.

Step 2: Search for the relevant Plan in the plan list.

Step 3: Click on the Jeevan Amar Plan Calculator option. 

Step 4: Enter the details as required by the calculator.

Step 5: Choose from Level Sum Assured (Fixed) or Increasing Sum Assured from the drop-down menu of Risk Cover Type.

Step 6: Now, select your Premium Type from the Regular, Single, or Limited option.

Step 7: Select your Age and Gender

Step 8: Now, select from the menu the number of Policy Terms.

Step 9: Next, enter the amount of Sum Assured.

Step 10: Lastly, select you are either an Accidental Rider or a Smoker.

Step 11: Then, submit the details selected.

Click “Calculate” to get the premium details.

Benefits of using the LIC Jeevan Amar Plan Calculator online

This LIC Plan comes in a lot of variations but with the common feature of giving profit after maturing and varied scope of paying low premiums.

One can use the LIC Jeevan Amar Plan Calculator onlineto calculate the following:

  1. Premiums for LIC Jeevan Amar Plan

    To pay for the LIC Jeevan Amar Plan, the policyholders are given the following options:

    • Through a single premium
    • Regular pay mode
    • Limited pay mode
    • For initiating the Plan, a sum of Rs. 30,000/- would be sufficient that can be paid as a single premium payment.

    Using the calculator, individuals can calculate the premium amounts they have to pay as per the policy conditions.

  2. Death Benefit of the Plan

    One can use the calculator to find the proceeds of the policy. The returns can range from 7 times all the premiums paid in a year at its peak to 105% of the paid premiums before the death or the money assured to be given at the time of death (usually mentioned in the documents).

    The benefit received for a single premium will be different from that in the case of regular or limited premium options. But one can easily use the calculator to find the correct premium amounts.

  3. Surrender Benefit under the Plan

    There comes a time when the policyholder, due to some unavoidable circumstances, has to go through a tough decision to quit the policy before the desired time. In these situations, the Plan provides surrender benefit to the policyholder wherein he can withdraw his money before it is matured. As per the norms, the refunds are initiated if applied after two years and the tenure is completed.

    The calculator will help one to find the Policy Surrender value.

Information required to use this calculator

Every calculator is a tool that needs certain figures in order to process to give the desired results. Sometimes the figures are available in the form of options from which the user just has to choose one, and the rest of the time, the information needs to be entered manually. Hence, the basic information required to use LIC’s Jeevan Amar Calculatorare:

  • Age (of the interested investor)
  • Term (for what time period the investor wants to invest)
  • Gender 
  • Smoking status (smoker/non-smoker)
  • Assured sum 

Over to you

Before buying the policy and its activation, interested applicants must read all the details about the plans as well as their merits and demerits. For the death benefit included in the Plan, there are options for its revival: in the form of absolute sum assured or increased sum assured.



Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C apply.


**Tax benefit is subject to changes in tax laws.Standard T&C apply.

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