🛡️ Table No. 936 • Endowment • Most Popular
LIC Jeevan Labh Calculator
High Bonus Limited Premium Paying Endowment Plan. Check exact yearly, half-yearly, and monthly premiums with 2026 bonus estimations.
30 Years
₹ 5,00,000
LIC Jeevan Labh RETURNS
Projected Total Maturity / Payout
₹ 0
Total Premiums Paid (Over PPT)
Net Profit / Bonus Gain
₹ 0
1st Year Premium (+ 4.5% GST)
₹ 0
Renewal Premium (+ 2.25% GST)
₹ 0
Guaranteed Life Cover (Death Benefit)
₹ 0
Daily Savings Required
₹ 0/day
| Basic Sum Assured | ₹ 0 |
| Simple Reversionary Bonus (SRB) | ₹ 0 |
| Final Additional Bonus (FAB) | ₹ 0 |
| Guaranteed Additions (if applicable) | ₹ 0 |
| Periodic Survival Benefits Paid | ₹ 0 |
| Estimated Total Value | ₹ 0 |
RENEWAL PREMIUM IN ALL PAYMENT MODES
Yearly
₹ 0
+2.25% GST
Half-Yr
₹ 0
+2.25% GST
Quarterly
₹ 0
+2.25% GST
Monthly
₹ 0
+2.25% GST
Investment vs Returns Distribution
Life Cover & Surrender Value Accumulation
| Year | Age | Annual Premium | Cumulative Invested | Normal Life Cover | Accidental Cover | Surrender Value | Eligible Loan (90%) |
|---|
About LIC Jeevan Labh (Table No. 936)
A non-linked, with-profits, limited premium paying endowment plan offering high bonus rates and limited financial commitments.
Key Plan Highlights
- Limited Premium Paying Term (10, 15, or 16 years)
- High Bonus & Final Additional Bonus (FAB) eligibility
- Loan facility available after 2 full years
- Tax benefits under Section 80C & 10(10D)
Eligibility Criteria
- Minimum Entry Age: 8 Years
- Maximum Entry Age: 59 Years
- Minimum Basic Sum Assured: ₹ 2,00,000
- Maximum Basic Sum Assured: No Upper Limit (subject to underwriting)
Tax Benefits & Liquidity
- Section 80C: Premiums eligible for tax deduction up to ₹1,50,000/year.
- Section 10(10D): 100% tax-free maturity and death claims.
- Policy Loan: Available after paying 2 full years of premiums.
- Surrender Value: Guaranteed surrender value acquires after 2 years.
Frequently Compared Policies
Policyholders evaluating this plan also calculate premiums for these alternative options.
Table 914
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New Endowment (914)
Classic regular pay alternative
Open New Endowment (914) Calculator →
Table 945
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Jeevan Umang (945)
8% annual income for lifetime
Open Jeevan Umang (945) Calculator →
Table 854
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Tech Term (854)
High ₹1 Cr pure life cover
Open Tech Term (854) Calculator →
Helpful Policy Tools for this Plan
Estimate cash surrender values, loan eligibility, or compare side-by-side.
Frequently Asked Questions about LIC Jeevan Labh
Get quick answers to the most common questions regarding LIC Jeevan Labh (Table 936) premiums, bonus rates, and maturity.
Q1: What are the available Term and PPT combinations for LIC Jeevan Labh (936)?
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LIC Jeevan Labh offers 3 fixed combinations: (1) 16 Years Term with 10 Years PPT; (2) 21 Years Term with 15 Years PPT; and (3) 25 Years Term with 16 Years PPT. Shorter premium payment duration is the main attraction of this plan.
Q2: What is the death benefit payout under Jeevan Labh?
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In the unfortunate event of the policyholder's demise during the policy term, the nominee receives the Sum Assured on Death (defined as the higher of 7 times annualised premium or basic Sum Assured) plus vested Simple Reversionary Bonuses and Final Additional Bonus (if any).
Q3: How does Jeevan Labh compare with LIC New Endowment Plan (914)?
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Jeevan Labh offers a limited premium paying term (e.g. pay 16 yrs for 25 yr cover) and historically higher bonus rates (₹44 - ₹48/1000 SA). In contrast, New Endowment Plan requires premiums to be paid for the entire policy term (PPT = Term).
Q4: Can I take a loan on my Jeevan Labh policy?
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Yes. Policy loans can be availed after at least 2 full consecutive years of premiums have been paid. You can borrow up to 90% of the surrender value for active in-force policies at approximately 9.5% p.a. interest.
Q5: Are the maturity proceeds of Jeevan Labh tax-free?
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Yes. All maturity amounts and death claims under Jeevan Labh are 100% tax-free under Section 10(10D) of the Income Tax Act, provided annual premiums do not exceed 10% of the Sum Assured.