🛡️ Table No. 872 • Pension • New Deferred Annuity
LIC Jeevan Dhara II Calculator
New Individual Deferred Annuity Plan with Guaranteed Life Pension. Check exact yearly, half-yearly, and monthly premiums with 2026 bonus estimations.
30 Years
₹ 10,00,000
LIC Jeevan Dhara II 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 Dhara II (Table No. 872)
Non-linked, non-participating deferred annuity plan offering guaranteed additions during the deferment period and lifelong fixed pension payouts with 100% return of purchase price.
Key Plan Highlights
- Guaranteed Additions accrue monthly during deferment period
- Regular & Single premium payment options with loan facility
- Option to choose lifelong annuity with 100% return of purchase price to nominee
- Additional top-up annuity options and liquidity features
Eligibility Criteria
- Minimum Entry Age: 20 Years
- Maximum Entry Age: 65 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.
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Helpful Policy Tools for this Plan
Estimate cash surrender values, loan eligibility, or compare side-by-side.
Frequently Asked Questions about LIC Jeevan Dhara II
Get quick answers to the most common questions regarding LIC Jeevan Dhara II (Table 872) premiums, bonus rates, and maturity.
Q1: What is LIC Jeevan Dhara II (Table 872)?
⌄
LIC Jeevan Dhara II is LIC's flagship individual, non-linked deferred annuity plan that lets individuals plan their retirement pension with deferment periods from 1 to 15 years.
Q2: How do Guaranteed Additions work during the deferment period in Jeevan Dhara II?
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Guaranteed Additions accrue at the end of each policy month throughout the deferment period and get added to your annuity corpus, guaranteeing higher lifelong pensions.
Q3: Is there a Return of Purchase Price option in Jeevan Dhara II?
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Yes. The nominee receives 100% of the purchase price plus accrued guaranteed additions upon the annuitant's demise.