The Life Insurance Corporation of India (LIC) has unveiled its new policies for 2025, offering customers a range of options tailored to their financial goals and life stages. From long-term savings to comprehensive life coverage, LIC new policies 2025 are designed to provide flexibility, security, and attractive returns.
Whether you are planning for your child’s education, your retirement, or looking for a robust life cover, LIC has something for everyone. Here’s a detailed guide on the latest LIC plans, premiums, returns, and coverage.
Key Features of LIC New Policies 2025
- Flexible Premiums: Customers can choose yearly, half-yearly, quarterly, or monthly payment options.
- Attractive Returns: Policies are structured to provide consistent returns, keeping inflation and market trends in mind.
- Comprehensive Coverage: Life cover ranges from basic protection to additional riders for accidents, critical illnesses, and disability.
- Tax Benefits: Premiums paid under LIC plans are eligible for tax deductions under Section 80C.
Popular LIC Plans Launched in 2025
| Plan Name | Type of Plan | Premium Range | Maturity Benefits | Key Features |
|---|---|---|---|---|
| LIC Jeevan Anand 2025 | Endowment + Whole Life | ₹10,000 – ₹5,00,000 | Life cover + maturity sum | Accidental death rider, flexible premium payment |
| LIC New Money Back 2025 | Money Back | ₹20,000 – ₹3,00,000 | Periodic payouts + maturity | Regular payouts during policy term, bonus addition |
| LIC Smart Wealth Builder | Unit Linked | ₹15,000 – ₹2,50,000 | Market-linked returns | Investment flexibility, partial withdrawals allowed |
| LIC Jeevan Umang 2025 | Whole Life | ₹25,000 – ₹10,00,000 | Life cover till 100 years | Guaranteed loyalty additions, death and maturity benefits |
Understanding Premiums and Returns
Premiums:
- LIC plans allow flexibility in premium amounts and payment frequency.
- Premiums depend on factors like age, sum assured, and policy tenure.
Returns:
- Guaranteed returns are included in endowment and money-back plans.
- Unit-linked plans offer market-linked returns with potential for higher growth.
- Bonuses are credited based on the company’s performance and declared periodically.
Coverage and Additional Benefits
- Life Cover: Ensures financial security for your family in case of unforeseen events.
- Riders: Accidental death, critical illness, and disability riders can be added for extra protection.
- Maturity Benefits: Full payout at the end of the policy term ensures planned financial goals are met.
- Loan Facility: Policyholders can avail of loans against their LIC policies for emergencies.
Why Choose LIC New Policies 2025?
- Backed by India’s most trusted life insurance provider.
- Diverse range of plans for different life goals.
- Tax-efficient investment options.
- Strong track record of timely claim settlements.
FAQs About LIC New Policies 2025
Q1. Who can purchase LIC new policies 2025?
A1. Any Indian citizen between 18–65 years of age, subject to specific plan conditions, can purchase LIC policies.
Q2. Are premiums under LIC plans tax-deductible?
A2. Yes, premiums paid for LIC plans are eligible for tax deductions under Section 80C of the Income Tax Act.
Q3. Can I add riders to my LIC policy?
A3. Yes, you can add riders like accidental death benefit, critical illness, and disability cover to enhance your protection.
Q4. How can I check the returns on my LIC plan?
A4. Returns depend on the type of plan. Endowment and money-back plans offer guaranteed bonuses, while unit-linked plans have market-linked returns. LIC provides an annual statement detailing policy performance.
With LIC new policies 2025, individuals can plan for life’s uncertainties while securing attractive returns. By choosing the right plan based on your goals and financial capacity, you can ensure long-term financial stability for yourself and your loved ones.
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