Best LIC Policy for High-Return in India 2025

Here is a list of LIC plans known for offering high returns: 

What Is an LIC High Return Policy?

An LIC (Life Insurance Corporation of India) "high-return policy" is a life insurance plan that combines financial protection with investment growth opportunities. Often structured as ULIPs or guaranteed return plans, an LIC best return policy offers life cover and the potential to build wealth over time, ensuring security for the policyholder's family and long-term financial benefits.

Which LIC policy is best for High Returns?

With the wide range of LIC policies, these are the best LIC high return policy options that provide an advantage in further securing the monetary needs. Following are some of the best options of LIC policy with high returns. Take a look:

Take a look at the section below to learn about the best LIC plans for maximum return and choose the one that suits your budget and requirements.

1. LIC Unit Linked Investment Plans

   LIC Index Plus

   LIC Index Plus plan is a unit-linked life insurance plan offering market growth potential with guaranteed death benefits. It allows policyholders to invest in various funds and receive guaranteed additions. The LIC high return policy ensures life cover throughout the policy term and enhances protection through riders.
   Key features of LIC Index Plus:

   • Flexibility to choose from various funds based on risk appetite and financial goals.

   • Annual guaranteed additions to the unit fund to enhance savings over time.

   • If the insured outlives the policy's maturity date and has paid all premiums, they will receive an additional sum equal to the life insurance charges deducted, along with the Maturity Benefit. This is called the Refund of Mortality Charges.

   LIC Nivesh Plus

   LIC Nivesh Plus is a single-premium ULIP plan offering insurance coverage and wealth accumulation. It provides policyholders with a choice of four investment funds based on risk appetite and options for fund switching and partial withdrawals after the fifth policy anniversary.
   Key Features of LIC Nivesh Plus.

   • Partial withdrawal and fund-switching flexibility after the fifth policy anniversary.

   • Guaranteed additions to the policy unit fund at specific intervals.

   • Additional protection is available through riders like Accidental Death Benefit Rider.

2. LIC Whole Life Plans

   LIC Jeevan Umang

   LIC Jeevan Umang is a whole life insurance plan that guarantees an income source for your family in case of your unfortunate demise during the policy term. This plan offers several benefits, including the death benefit, maturity benefit, and annual survival benefit.
   Key Features of LIC Jeevan Umang

   • The policy provides a death benefit if the Life Assured dies during the policy term.

   • If the Life Assured survives the maturity period, (s)he is eligible to receive a maturity benefit equal to the basic sum assured.

   • If the policyholder survives the policy term, (s)he can avail of a survival benefit equal to 8% of the basic sum assured.

   LIC Jeevan Utsav

   LIC Jeevan Utsav is a whole life insurance plan offering protection and financial support to the family after the policyholder's demise. It provides two benefit options: Regular Income Benefit or Flexi Income Benefit. The plan offers attractive High Sum Assured Rebate and guaranteed additions throughout the Premium Paying Term.
   Key features of LIC Jeevan Utsav:

   • Flexible premium payments based on individual financial capacity.

   • Guaranteed additions to enhance the maturity value over time.

   • Loan facility providing access to liquidity against the policy.

3. LIC Pension Plans

   LIC New Pension Plus

   The LIC New Pension Plus Plan is a unit-linked pension plan that helps policyholders build a retirement corpus through flexible premium payments. It generates a reliable pension with market-linked returns and guaranteed additions and ensures long-term security for post-retirement income.
   Key Features of LIC New Pension Plus:

   • Choose between single or regular premium payments, with monthly, quarterly, half-yearly, and yearly options.

   • Based on your risk profile, invest in one of four fund options, with the flexibility to switch funds up to four times annually.

   • Receive guaranteed additions to your fund value at specified intervals, enhancing the corpus for retirement.

   LIC New Jeevan Shanti

   LIC New Jeevan Shanti is a single premium deferred annuity pension plan offering a financially stable future post-retirement. It provides a secure source of regular income, making it an attractive choice for retirement planning.
   Key Features of LIC New Jeevan Shanti:

   • The policy provides an annuity payout during the deferment period. The death benefit is defined as the greater of:

   • The combined amount of the purchase price and accrued benefits minus the total annuity payments made until death.

   • 105% of the purchase price.

   • Policy loans are available after three months from the date of policy issuance.

   **LIC offers term insurance plans with comprehensive protection and affordable premiums besides these policies. While term insurance does not offer returns in the form of maturity benefits, it provides financial security for your family in case of an unfortunate event.

LIC Resources

What are the Key Features of High-Return LIC Policies 

• ULIPs (Unit-Linked Insurance Plans):
  These plans let policyholders invest in different market-linked funds, providing the opportunity for higher returns along with life cover.

• Guaranteed Returns:
  Certain LIC plans promise a fixed return, offering financial security regardless of market performance.

• Flexibility:
  High-return policies often come with flexible premium payment options and policy durations, enabling customization based on individual needs.

• Tax Benefits:
  LIC plans typically qualify for tax deductions under Section 80C of the Income Tax Act, making them a wise choice for tax-saving investments.

Tips to Maximize Returns from Your LIC Policy

When selecting an LIC high return policy, it's important to focus on strategies that can help you unlock the maximum value. Whether you're looking for the best LIC policy with high returns or a low premium high return LIC policy, these tips can guide you.

By following these tips, it will be easy for you to choose the best LIC policy for maximum return in 2025:

1.  Choose Long-Term, High-Bonus Plans

   Plans like LIC Jeevan Labh and LIC Jeevan Utsav are structured to offer higher reversionary and final bonuses. If you're choosing the best LIC policy for 10 years with high returns, note that returns generally improve with longer terms.

2. Opt for Participating Policies

   Participating plans such as the LIC of India Jeevan Labh accumulate annual bonuses and loyalty additions, making it a strong option in the LIC policy with maximum returns policy list.

3. Pay Annually and Start Early

   Annual premium payments reduce cost and boost effective returns. Starting early, especially with plans like Jeevan Utsav LIC, one of the LIC best plan 2025, ensures long-term compounding.

4. Avoid Early Exit

   Surrendering early can reduce or eliminate bonuses. Policies like LIC Money Back Policy should be held till maturity for optimal benefit.

5. Match Plans to Your Goals

   Still wondering, “Which LIC policy is best for high return?” or “Which LIC policy is best for a child?” Choose plans in line with your financial goals. For example, if you want long-term growth, Jeevan Labh Policy policy could be the best LIC policy with high returns.

The Bottom Line

The above-mentioned are some of the most lucrative insurance plans for individuals who are looking for high returns. In order to purchase a plan with maximum return, one needs to consider the death benefits, maturity benefits, survival benefits, and other additional benefits that the plan promises to provide. You can invest in the best LIC policy for maximum return as per your needs and stability.

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

*The investment risk in the investment portfolio is borne by the policyholder.

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

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