LIC Jeevan Anand Returns Calculator

LIC Jeevan Anand's maturity calculator is an online tool that assists policyholders in understanding if their desired coverage meets their budget. The calculator estimates the premium for a chosen sum assured and policy tenure. However, LIC Jeevan Anand is no longer available for sale; however, the existing policyholders can still use the calculator.

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What is the LIC Jeevan Anand Returns Calculator?

LIC Jeevan Anand Returns Calculator is an online tool that allows users to calculate the final benefit amount that the beneficiary will receive on the death of the policyholder or at the time of maturity. Estimating the returns before buying the policy gives you more clarity on whether it fits you.

However, the LIC of India has withdrawn the LIC Jeevan Anand plan and re-launched its new version as LIC New Jeevan Anand. Thus, if you want to calculate the premiums of your LIC New Jeevan Anand plan, you can use its calculator.

Returns from LIC Jeevan Anand Policy

  • Death Benefit - The amount payable to your family if you die within the policy tenure. In this case, the returns will equal 125% of the Basic SA (Sum Assured) or 10 times the annual premium. Your family will be given whichever is higher.
    Your family receives the assured basic sum if you die anytime after the policy term.

  • Maturity Benefit - If you survive the policy term, you will receive a lump sum amount at the end of it. The amount will be equal to the Basic Sum Assured along with bonuses.

  • Bonus Amount - The final death and maturity benefits are payable along with a bonus amount. It comprises Simple Reversionary Bonuses and a Final (Additional) Bonus. These amounts depend on the company’s profits in a year and are, therefore, not fixed.

Using the LIC Jeevan Anand(149) Maturity Calculator, you will be able to calculate the benefits mentioned above yourself and from the comfort of your home. Because the bonus amount is not fixed, the final results are an approximation and may vary across individuals.

How to Use the LIC Jeevan Anand Returns Calculator?

The tool is available on the official channels of LIC with its LIC premium and maturity calculators. It requires you to fill in certain factors related to yourself and the policy based on which the returns are calculated.

Factors Considered By the LIC Jeevan Anand Returns Calculator

    • Age at the time of entry

    • Gender

    • Smoking habits

    • Basic sum assured

    • Policy term

    • Frequency of premium payment

    • Annual premium amount

Let us look at the below steps to understand the working of LIC Jeevan Anand Returns Calculator:

Step 1: Access the Calculator: Visit the official website of the Life Insurance Corporation of India (LIC). Navigate to the section that provides information about the LIC Jeevan Anand policy. Click on the link to open the calculator.

Step 2: Enter Policy Details: Once you're on the Returns Calculator page, you'll be prompted to enter various policy details. These details may include:

  • Policy term: The duration for which you plan to hold the policy.

  • Sum assured: The amount of insurance coverage you will receive.

  • Premium payment term: The period during which you will pay premiums.

  • Premium amount: The regular premium you will pay for the policy.

Step 3: Submit Information: Enter the accurate policy details into the respective fields in the calculator. Ensure that the information you provide is correct to get accurate results.

Step 4: Calculate Returns: After entering the necessary policy details, click on the "Calculate" or "Get Returns" button. The calculator will process the information and provide you with an estimate of the potential returns and benefits you can expect from the LIC Jeevan Anand policy. These estimates typically include the maturity amount, death benefit, and additional benefits provided by the policy.

Step 5: Analyze the Results: Review the results displayed by the calculator. You'll likely see the projected maturity amount, which includes the sum assured, bonuses, and other benefits. Additionally, you may see the approximate death benefit payable in case of the policyholder's demise.

Here’s a sample illustration for your understanding.

Sample LIC Jeevan Anand Return Calculation

The following is an example of how this LIC Jeevan Anand returns calculator uses different factors to display results.

Entry Age - 26 years

Policy Term - 20 years

Premium payment term - 20 years

Basic Sum Assured - Rs. 10 Lakhs

  • Annual Premium - Using the LIC New Jeevan Anand premium calculator, the annual premium comes out to be Rs.57,031 payable for 20 years.

  • Simple Reversionary Bonus - Assuming the Simple Reversionary Bonus to be Rs.45 per 1000 Sum Assured every year, the total bonus amount in a year will be equal to 45 x (10,00,000/1,000) = Rs.45,000. In 20 years, it will be equal to Rs.9,00,000.

  • Final Addition Bonus - Assuming the Final Addition Bonus to be Rs.20 per 1000 Sum Assured, the total bonus amount will be equal to 20 x (10,00,000/1,000) = Rs.20,000.

Summing It Up

The LIC Jeevan Anand returns calculator helps the policyholder estimate the premium amount payable by the policyholder for their LIC Jeevan Anand Policy. Moreover, you can switch between different fields multiple times to get to your best coverage options.

*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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