Policy Explorer
Browse policies by category, read what each is designed for, and follow the official LIC source link for the full brochure. This catalogue shows current, active policies only — figures, eligibility and premium rates come from LIC's official documentation.
Showing 17 of 17 plans.
A savings-and-protection plan combining guaranteed additions with a booster income benefit, launched on LIC's 70th anniversary.
Who may consider it: People who want a combination of guaranteed life cover, structured savings, and a future income-style payout, and are comfortable with a limited premium-paying term.
Source: LIC of India
An immediate annuity plan from LIC of India with multiple annuity options.
Who may consider it: People at or near retirement who want to convert a lump sum into a regular annuity.
Source: LIC of India
A limited premium paying, participating, non-linked savings life insurance plan from LIC of India.
Who may consider it: People who want life cover plus disciplined, guaranteed savings, but would prefer to stop paying premiums well before the policy actually matures.
Source: LIC of India
A pure-risk term protection plan providing a guaranteed, fixed death benefit, launched on LIC's 70th anniversary.
Who may consider it: People who want a straightforward, affordable term protection plan focused purely on financial security for their family, rather than savings or investment returns.
Source: LIC of India
A participating, non-linked money back plan from LIC of India designed around children's needs.
Who may consider it: Parents who prefer a predictable, fixed payout schedule tied to specific milestone ages, rather than choosing between flexible payout options.
Source: LIC of India
A participating, non-linked, individual life assurance savings plan offered by LIC of India.
Who may consider it: People who want a traditional savings-and-protection plan with guaranteed maturity value plus a larger safety net for their family if they die during the policy term.
Source: LIC of India
A joint-life endowment plan for married couples with limited-term premiums and a premium waiver if one spouse dies first.
Who may consider it: Married couples who want joint life cover, guaranteed savings, and built-in protection for the surviving spouse if the other dies during premium payment.
Source: LIC of India
A joint-life endowment plan for married couples, covering both spouses under one policy with a single one-time premium.
Who may consider it: Married couples who want joint life cover and guaranteed savings without ongoing premium payments, and who have a lump sum available upfront.
Source: LIC of India
A non-linked, non-participating pure protection term assurance plan from LIC of India.
Who may consider it: People who want a straightforward, affordable pure-protection term plan focused on a large death benefit for their family, without any savings or maturity payout.
Source: LIC of India
A non-participating, limited premium, individual savings life insurance plan from LIC of India.
Who may consider it: People who want a modest, guaranteed savings amount plus life cover, and would like to stop paying premiums a few years before the policy actually matures.
Source: LIC of India
A participating, non-linked, limited premium child plan from LIC of India.
Who may consider it: Parents or grandparents of a child aged 0–12 who want flexibility in choosing between a lump sum at 25 or a mix of payouts through the child's early adult years.
Source: LIC of India
A whole life, participating, non-linked plan from LIC of India with survival benefits during the policy term.
Who may consider it: People who want lifelong cover plus a regular annual income stream once their premium-paying years are done, rather than a one-time payout.
Source: LIC of India
A deferred annuity plan from LIC of India purchased with a single premium.
Who may consider it: People who have a lump sum now but don't need pension income immediately, and want to lock in guaranteed annuity rates today for a payout starting a few years down the line.
Source: LIC of India
A participating, non-linked money back plan from LIC of India with a 20-year policy term.
Who may consider it: People who want liquidity at intervals rather than a single maturity payout.
Source: LIC of India
A unit linked, non-participating, single premium individual life insurance plan from LIC of India.
Who may consider it: People comfortable with market-linked risk who want life cover bundled with an investment that can grow over time, and who won't need the money in the first 5 years.
Source: LIC of India
A standard individual term life insurance plan with features prescribed by IRDAI.
Who may consider it: People who want the simplest possible pure term life cover, in a standardised format that's identical across every insurer that offers it — useful for straightforward comparison shopping.
Source: LIC of India
A standard immediate annuity plan with features prescribed by IRDAI.
Who may consider it: People at or near retirement who want the simplest possible immediate-pension product, standardised across every insurer, without needing to compare complex annuity option lists.
Source: LIC of India
Plan descriptions summarise the plan type as published by LIC of India. Benefits, eligibility limits, bonus provisions, policy terms and premium rates are defined solely in LIC's official brochure and policy document. Insure Xpert does not publish estimated or indicative figures.
Send the shortlist across and the advisor will explain the practical differences — payout timing, premium commitment and what each plan is really designed for.