India niche demand
LIC Maturity Calculator
Estimate LIC policy maturity value from sum assured, policy term, premium-paying term, bonus rate, and final additional bonus assumptions.
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India insurance planning demand
Interactive calculator
Estimate LIC policy maturity value
Model sum assured, total premium paid, bonus buildup, and estimated maturity value from your policy assumptions.
Results
Estimated maturity
₹18,65,000
Premium paid
₹9,60,000
Total bonus
₹8,65,000
Maturity multiple
1.94x
How to use it
- 01Enter annual premium, sum assured, policy term, and premium-paying term for the policy you want to estimate.
- 02Add the bonus rate per Rs. 1,000 of sum assured and any expected final additional bonus assumption.
- 03Compare the estimated maturity value against the total premium paid and total bonus credited.
Result guide
- The result depends heavily on the bonus assumptions you enter, so it should be treated as a planning estimate.
- Total premium paid helps compare insurance-heavy policies with pure investment alternatives.
- Net gain is the estimated maturity value minus the premium outflow modeled here.
Why this page matters
LIC buyers often know their annual premium but still struggle to understand what the policy might actually return at maturity. A practical page needs to separate sum assured, bonus buildup, and total premium outflow.
This version is an estimate, not an insurer-issued quote. It is designed for quick policy comparison when you already know the broad bonus assumptions being discussed.
Frequently asked questions
Is this the exact maturity value LIC will pay?
No. Bonus declarations can change over time, so this page gives an estimate based on the assumptions entered rather than an official insurer commitment.
Why does the page ask for both policy term and premium-paying term?
Because many plans stop premiums before maturity, and that changes the relationship between total premium paid and the final estimated payout.
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