LIC's Jeevan Lakshya plan one of the best-selling policy of LIC which helps secure present and future needs of the dependents. LIC's Jeevan Lakshya is a participating non-linked market plan which offers dual benefit of protection and savings. This plan provides for Annual Income benefit that may help to fulfill the needs of the family, mainly for the benefit of children, in case of unfortunate death of insured any time before maturity of the policy and a lump sum amount at the time of maturity irrespective of survival of the insured person. This policy also provides loan facility and also can be surrender after the completion of 3 years subject to full 3 years premium paid.

Main features of LIC Jeevan Lakshya Plan

• The scheme guarantees risk coverage for full Sum assured from day one of policy
• This is a fixed term policy
• The premium paying term is three years less than the policy term selected
• Very good plan to make provision for immediate and future income provision
• Guaranteed 10% of Sum assured as income to the nominee in case of death of insured till policy term along with full Sum assured and bonus on completion of policy term
• The minimum sum assured is Rs 1,00,000 with no upper limit
• This policy can be taken between 18 to 50 years of age
• The policy offers all premium paying mode i.e. monthly, ecs, quarterly, half yearly and yearly
• The maximum maturity age under this plan is 65 years
• On completion of policy term, full Sum assured along with bonus and FAB if any paid to policyholder
• This plan offers 2 additional riders (benefits) with additional premium namely Accidental Death and Disability Benefit Rider and New Term Assurance Rider that are optional
• There is a Loan and Surrender facility available under this plan
• Premium paid under this policy gets tax benefits under IT act


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