LIC Jeevan Kiran Premium and Maturity Calculator

LIC Jeevan Kiran premium and maturity calculator is an online calculator that helps you estimate premium amounts, maturity benefits, and other policy-related details based on the details you enter and the features of your LIC Jeevan Kiran Policy.

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Understanding LIC Jeevan Kiran Calculator

The LIC Jeevan Kiran Calculator is a helpful tool provided by the Life Insurance Corporation of India to help individuals calculate various aspects of the LIC Jeevan Kiran insurance policy. This LIC Plan 870 premium calculator is an online tool on the official LIC website. It is a valuable resource for policyholders and potential buyers to estimate premium payments, maturity benefits, and other policy-related details.

Benefits of Using LIC Jeevan Kiran Maturity & Premium Calculator

  • Accurate Premium Calculation: The primary function of the LIC Jeevan Kiran premium calculator is to help you determine the exact premium amount you need to pay for your desired LIC Jeevan Kiran policy. It considers age, sum assured, policy term, and riders to calculate an accurate premium amount.

  • Customization: The LIC Plan 870 premium calculator allows you to customize your policy by adjusting parameters like the sum assured and policy term. This helps you tailor the policy to your specific financial needs and goals.

  • Financial Planning: A maturity calculator helps you set realistic financial goals by providing insights into the maturity benefits. You can align your policy with your long-term financial objectives.

  • Transparency: Using a premium and maturity calculator ensures transparency in the insurance buying process. You can see exactly how various factors affect your premium, making it easier to make informed decisions about your insurance coverage.

  • Time-Saving: Calculating insurance premiums manually can be time-consuming and prone to errors. The premium calculator automates the process, saving you time and effort.

  • Risk Assessment: Understanding the potential returns on your investment allows you to assess the risk-reward ratio of the policy and make adjustments as needed.

  • Future Preparedness: By knowing the maturity benefits in advance, you can better plan for significant life events, such as education, marriage, or retirement.

How to Use LIC Jeevan Kiran Premium & Maturity Calculator:

Step 1: Visit the LIC official website and locate the Jeevan Kiran maturity calculator tool.

Step 2: Input relevant information, including your age, premium payment term, sum assured, and any accrued bonuses.

Step 3: Click the "Calculate" button to generate a projection of your premium payable and maturity benefits. The LIC Plan 870 premium calculator will provide a detailed breakdown of the expected sum assured and bonus amounts.

Step 4: Review the calculated results to understand the potential maturity benefits you can expect at the end of your policy term.

Step 5: Use the insights gained from the maturity calculator to align your financial goals and make informed decisions about your investment in LIC Jeevan Kiran.

Factors Affecting LIC Jeevan Kiran Premium Calculation:

  • Age: The policyholder's age when purchasing the policy plays a significant role in determining the premium. Generally, younger policyholders pay lower premiums.

  • Sum Assured: The sum assured is the amount payable to the nominee in case of the policyholder's demise. A higher sum assured usually results in a higher premium.

  • Premium Payment Term: LIC Jeevan Kiran offers different premium payment term options, such as 5, 7, or 10 years. The chosen term influences the premium amount.

  • Rider Options: Policyholders can enhance their coverage by adding riders like accidental death or disability riders. Adding riders increases the premium.

  • Gender: In some cases, the policyholder's gender may affect the premium amount, as specific policies have different premium rates for males and females.

  • Smoker/Non-Smoker: Smoking habits may also impact the premium, as tobacco users typically pay higher premiums due to higher health risks.

Wrapping It Up:

LIC Jeevan Kiran is a versatile insurance policy that offers both financial protection and a savings component. Understanding the premium calculation process and utilizing the LIC Jeevan Kiran Premium Calculator is crucial when considering this policy. Furthermore, this Calculator lets you plan your financial future effectively, ensuring you make informed decisions to meet your long-term financial objectives. 


  • Q: How can I check the maturity amount of my LIC Jeevan Kiran 870 using the calculator?

    Ans: Once you have entered your details and generated a premium estimate, the LIC Jeevan Kiran calculator also provide an estimate of the maturity benefit. This will give you an idea of the amount you can expect to receive at the end of the policy term.
  • Q: Is the premium amount calculated by the calculator final?

    Ans: The premium amount calculated by the calculator is an estimate. The final premium amount may vary depending on factors like underwriting, medical examinations, and other specific conditions.
  • Q: Can I change the policy details while using the calculator?

    Ans: Yes, you can adjust the policy details within the calculator to see how different variables may impact the premium and maturity benefits. This allows you to customize the policy to meet your needs and budget.
  • Q: What information do I need to use the LIC Jeevan Kiran 870 premium calculator?

    Ans: You will need to provide details such as your age, sum assured (coverage amount), policy term, and other relevant information. The calculator may also ask for your gender and smoking habits, as these factors can affect the premium
  • Q: Is using LIC Jeevan Kiran premium and maturity calculator secure?

    Ans: Yes, using LIC's official Jeevan Kiran premium and maturity calculator on their secure website or app is generally safe. Ensure encryption, avoid third-party sites, protect personal data, and log out on shared devices.

*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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