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LIC's Plans

A plan for every stage of life.

From protecting your family to building savings, funding your child's education, or planning a comfortable retirement — here's an overview of LIC's plans I can help you with.

Protection Plans

Term & Whole Life Insurance

Pure protection plans that give your family a financial safety net at an affordable premium — ideal if your main goal is maximum cover at low cost.

Plan names, sum assured ranges & terms below are placeholders — replace with current LIC plan details.
🛡️
Term Plan

[Placeholder: LIC Term Plan Name]

[Placeholder: 1–2 line description — e.g. "A pure protection plan offering high life cover at affordable premiums for a fixed term."]

  • Entry Age[18–65 yrs]
  • Policy Term[10–40 yrs]
  • Sum Assured[₹ X Lakh+]
🏠
Whole Life

[Placeholder: LIC Whole Life Plan Name]

[Placeholder: e.g. "Provides life cover for the whole of life, with the sum assured payable to your family whenever the unfortunate happens."]

  • Entry Age[18–60 yrs]
  • Coverage[Whole Life]
  • Premium Mode[Limited / Regular]
👨‍👩‍👧
Family Income

[Placeholder: LIC Income Benefit Plan Name]

[Placeholder: e.g. "Pays out a regular income to your family in addition to the lump sum, in case of an unfortunate event."]

  • Entry Age[18–55 yrs]
  • Payout[Lump Sum + Income]
  • Policy Term[10–35 yrs]
Savings & Endowment

Save & Stay Protected

Endowment and money-back plans combine life cover with disciplined savings — you get a payout on maturity, plus protection along the way.

💰
Endowment

[Placeholder: LIC Endowment Plan Name]

[Placeholder: e.g. "A with-profits plan that builds a lump sum for the future while covering your life throughout the term."]

  • Entry Age[8–55 yrs]
  • Policy Term[12–35 yrs]
  • Bonus[Simple Reversionary]
🔁
Money Back

[Placeholder: LIC Money Back Plan Name]

[Placeholder: e.g. "Pays a percentage of the sum assured at regular intervals during the term, with the balance plus bonus at maturity."]

  • Entry Age[13–50 yrs]
  • Survival Benefit[Periodic Payouts]
  • Policy Term[20 / 25 yrs]
📈
Guaranteed Savings

[Placeholder: LIC Guaranteed Savings Plan Name]

[Placeholder: e.g. "A non-linked plan offering guaranteed additions year-on-year along with life cover."]

  • Entry Age[90 days–65 yrs]
  • Returns[Guaranteed Additions]
  • Policy Term[12–20 yrs]
Child Plans

Plan Ahead for Your Child's Future

These plans help you build a fund for school, college, or marriage expenses — paying out at key milestones, regardless of what happens to the parent.

🎓
Education

[Placeholder: LIC Child Education Plan Name]

[Placeholder: e.g. "Designed to fund your child's higher education with payouts timed around college years."]

  • Child's Age[0–17 yrs]
  • Payout Stage[18 / 20 / 22 yrs]
  • Premium Waiver[On Parent's Demise]
💍
Marriage Fund

[Placeholder: LIC Marriage / Future Plan Name]

[Placeholder: e.g. "Helps build a fund for your child's marriage expenses, with flexible payout options."]

  • Child's Age[0–17 yrs]
  • Maturity Age[20–25 yrs]
  • Cover Type[With Profits]
🧒
Young Achiever

[Placeholder: LIC Jeevan/Child Plan Name]

[Placeholder: e.g. "Combines savings with built-in protection so your child's plans stay on track no matter what."]

  • Child's Age[0–12 yrs]
  • Policy Term[Up to 25 yrs]
  • Bonus[Reversionary + FAB]
Pension & Retirement

A Steady Income After Retirement

Pension plans help you build a corpus during your working years and convert it into a regular income once you retire — so your lifestyle doesn't have to change.

🧓
Immediate Annuity

[Placeholder: LIC Immediate Annuity Plan Name]

[Placeholder: e.g. "Pay a lump sum once and start receiving a guaranteed pension immediately, for life."]

  • Entry Age[30–85 yrs]
  • Annuity Options[Multiple]
  • Payout Frequency[Monthly/Yearly]
📊
Deferred Pension

[Placeholder: LIC Deferred Pension Plan Name]

[Placeholder: e.g. "Build a retirement corpus over the years, then convert it into a regular pension at vesting age."]

  • Entry Age[25–65 yrs]
  • Vesting Age[55–80 yrs]
  • Premium Mode[Regular/Single]
🏖️
Senior Citizen

[Placeholder: LIC Senior Citizen Plan Name]

[Placeholder: e.g. "A simple, guaranteed-return savings option designed for senior citizens looking for safety and steady payouts."]

  • Entry Age[60 yrs+]
  • Returns[Guaranteed]
  • Tenure[As per plan]
ULIP Plans

Insurance with Market-Linked Growth

Unit Linked Insurance Plans combine life cover with investment in market-linked funds — suited if you're comfortable with some risk for potentially higher returns.

📉📈
ULIP

[Placeholder: LIC ULIP Plan Name]

[Placeholder: e.g. "Offers life cover along with the choice to invest across equity, debt, or balanced funds based on your risk appetite."]

  • Entry Age[90 days–65 yrs]
  • Fund Options[Equity / Debt / Balanced]
  • Lock-in[5 Years]
🩺
Health Rider

[Placeholder: LIC Health/Critical Illness Rider]

[Placeholder: e.g. "Add this rider to an existing policy for extra payout in case of critical illness diagnosis or hospitalisation."]

  • Attach To[Eligible Base Plans]
  • Coverage[Critical Illness]
  • Extra Premium[Nominal]
📄
Term Rider

[Placeholder: LIC Accidental/Term Rider]

[Placeholder: e.g. "Boost your base policy's cover with extra protection against accidental death or disability, at low added cost."]

  • Attach To[Eligible Base Plans]
  • Benefit[Accidental Death/Disability]
  • Extra Premium[Low]
Not Sure Which One?

How I Help You Decide

No need to figure this out alone — here's how we'll find the right plan together.

1

Understand Your Needs

We talk about your goals — protection, savings, child's future, or retirement.

2

Compare Suitable Plans

I shortlist 2–3 plans that genuinely fit your budget and goals — no upselling.

3

Explain in Plain Terms

I walk you through premiums, benefits, and terms in simple language.

4

Ongoing Support

From application to claims, I stay involved for the life of your policy.

Common Questions

Frequently Asked Questions

Which LIC plan is best for me?+
[Placeholder: Short answer — e.g. "It depends on your goal: pure protection, savings, child's education, or retirement. Call or WhatsApp me and I'll suggest 2–3 suitable options based on your age, budget, and goals."]
How much premium will I need to pay?+
[Placeholder: Short answer — e.g. "Premiums depend on your age, sum assured, and policy term. Share these details and I'll share an exact premium quote."]
Can I get a plan reviewed if I already have one?+
[Placeholder: Short answer — e.g. "Yes, I'm happy to review your existing LIC policy and tell you honestly whether it still fits your needs."]
How do I file a claim?+
[Placeholder: Short answer — e.g. "Reach out to me directly — I'll guide you through the documents needed and follow up with LIC on your behalf."]

Ready to find the right plan?

Tell me your goal — protection, savings, or retirement — and I'll suggest the best fit.

Contact Me WhatsApp Me
[Placeholder: Add standard LIC disclaimer text here — e.g. "Insurance is the subject matter of solicitation. Plan names, benefits, and terms mentioned above are for general understanding only. Please refer to the official LIC policy document / brochure for exact terms, conditions, exclusions, and benefits before purchase."]