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LIC

LIC's Bima Jyoti

LIC POPULAR PLAN very popular LIC PLAN

Guaranteed Savings with Guaranteed Life Protection

Free consultation Download brochure

The essentials

Your plan at a glance

Min. sum assured
125000
Policy term
20/15 Years
Entry age
30 Days to 55 Years
Premium payment
Yearly, Half-Yearly Quarterly Monthly Salary Deduction

Plan Overview

The plan is suitable for:

Salaried professionals
Self-employed individuals
Business owners
Parents planning for children's future
People saving for retirement
Anyone seeking guaranteed long-term savings with life insurance protection

Guaranteed Life Cover
Guaranteed Maturity Benefit
Annual Guaranteed Additions
Flexible Premium Payment
Policy Loan Facility

Features & Benefits

Guaranteed Financial Protection
The policy provides life insurance cover throughout the policy term. In case of death during the policy term after risk commencement, the nominee receives the applicable death benefit along with accrued Guaranteed Additions.
Guaranteed Wealth Creation
Unlike market-linked products, the maturity amount is guaranteed. On survival till maturity, the policyholder receives the Basic Sum Assured plus all accrued Guaranteed Additions.
Guaranteed Additions
Every completed policy year, LIC adds ₹50 for every ₹1,000 of Basic Sum Assured. These additions accumulate throughout the policy term and are payable along with the maturity or death benefit.
Flexible Policy Terms
Customers can choose a policy term ranging from 15 to 20 years, with the Premium Paying Term always being five years shorter than the selected policy term.
Flexible Premium Payment Modes
Premiums can be paid yearly, half-yearly, quarterly, or monthly (subject to eligibility), allowing policyholders to select a payment frequency that suits their income pattern.
High Sum Assured Rebate
Higher Basic Sum Assured values are eligible for premium rebates, reducing the overall cost of insurance.
Optional Rider Protection
Additional protection is available through riders such as Accidental Death & Disability Benefit Rider, Accident Benefit Rider, New Term Assurance Rider, and Premium Waiver Benefit Rider.
Settlement Option
Instead of receiving the claim amount as a lump sum, policyholders or nominees can opt to receive it in regular installments over 5, 10, or 15 years.
Loan Facility
After acquiring surrender value, policyholders can avail loans against the policy without discontinuing life cover.

Coverage Details

Parameter Details
Minimum Entry Age 30 Days
Maximum Entry Age 55 Years
Minimum Maturity Age 18 Years
Maximum Maturity Age 75 Years
Policy Term 15–20 Years
Premium Paying Term Policy Term minus 5 Years
Minimum Basic Sum Assured ₹1,25,000
Maximum Basic Sum Assured No Limit (Subject to Underwriting)

Required Documents

Identity Proof
Aadhaar Card Voter ID
Address Proof
Voter ID Passport
Financial Documents
Income Proof (if applicable)
Other Documents
Recent Passport-size Photograph, Income Proof (if required), Medical Reports (if applicable), Bank Account Details, Nominee Details

Frequently Asked Questions

Yes. It offers guaranteed maturity benefits along with Guaranteed Additions, subject to policy terms.

No. It is a Non-Participating Plan and does not earn bonuses.

₹1,25,000.

Yes, after the policy acquires surrender value.

Yes, subject to the surrender conditions specified by LIC.

Yes, within 5 years from the first unpaid premium.

Yes, as per the prevailing Income-tax laws.

Accidental Death & Disability Benefit Rider, Accident Benefit Rider, New Term Assurance Rider, and Premium Waiver Benefit Rider.

You receive the Basic Sum Assured along with all accrued Guaranteed Additions.

Individuals looking for guaranteed savings, fixed maturity benefits, and long-term financial security.
Get Free Consultation

Our expert advisors will help you choose the right plan for your needs.

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Download Resources
Proposal Form PDF
Plan Brochure PDF

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Take the first step today. Our IRDAI-certified advisors will guide you through the entire process — from plan selection to policy issuance.

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