Jeevan Lakshya Calculator

Plan 733UIN: 512N297V03

Protect your family's income even if you're not around

Calculate Your Premium

Your Age (years)

Eligibility: 18 to 50 years

Sum Assured (Rs.)

Minimum: ₹2,00,000

Premium Paying Term (years)

Payment Mode

View full plan details for Jeevan Lakshya→

Estimated Premium

Annual Premium

₹19,880

GST-exempt (individual life cover)

Annual Premium

₹20,286

Sum Assured

₹2,00,000

Term

13 years

Total Premium

₹2,58,444

Projected Maturity

~3.33% p.a. (XIRR)

₹3,27,400

Sum assured ₹2,00,000 + projected bonus ₹1,27,400. Bonus held flat at latest declared (2025-26) (49/1,000/yr). Indicative, not guaranteed.

Add riders

Accidental Death and Disability Benefit Rider1/1,000/yrAccident Benefit Rider0.5/1,000/yr

Benefits at a Glance

Death Benefit

Sum Assured on Death (higher of 7x annualized premium or 110% BSA) + Annual Income Benefit of 10% BSA from death to maturity + vested bonuses + FAB

Maturity Benefit

Sum Assured on Maturity (= BSA) + vested Simple Reversionary Bonuses + Final Additional Bonus

Tax Benefits

Section 80C deduction on premiums
Maturity tax-free under 10(10D)

Official Premium Table(from LIC Sales Brochure)

Age	13 yr	15 yr	20 yr	25 yr
20 yrs	₹20,217	₹16,670	₹11,711	₹9,006
30 yrs	₹20,286	₹16,758	₹11,858	₹9,222
40 yrs	₹20,678	₹17,209	₹12,495	₹10,074
50 yrs	₹22,030	₹18,698	-	-

Annual premiums in Rs. for BSA of ₹2,00,000. Standard lives. Exclusive of taxes.

Mode Rebates: Yearly: -2% of Tabular Premium | Half-Yearly: -1% of Tabular Premium | Qtr/Monthly: NIL

High Sum Assured Rebate

Sum Assured Range	Rebate
₹2,00,000 to less than ₹5,00,000	Nil
₹5,00,000 to less than ₹10,00,000	4.00‰ BSA
₹10,00,000 and above	5.00‰ BSA

Important Disclaimer

These premium rates are indicative, sourced from official LIC Sales Brochures. Actual premiums may differ based on underwriting, medical examination, and other factors. Individual life insurance is GST-exempt since Sep 2025. Please consult your insurance advisor or nearest LIC branch for exact premium quotes before making any purchase decisions.

Last verified: 2026-03-21

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