🛡️ Table No. 876 • Term Assurance • Online Exclusive
LIC Digi Term Calculator
Online Pure Protection Term Plan with Level & Increasing Sum Assured. Check exact yearly, half-yearly, and monthly premiums with 2026 bonus estimations.
30 Years
₹ 1,00,00,000
LIC Digi Term 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 Digi Term (Table No. 876)
Non-linked, non-participating online pure risk life assurance plan that provides high life protection to the family in the event of unfortunate demise during policy term.
Key Plan Highlights
- Special discounted online rates for non-smokers and women
- Options for Level Sum Assured or Increasing Sum Assured (10% increase every 5 yrs)
- Regular, Limited (PPT = Term - 5 or Term - 10), and Single pay options
- Accident Benefit Rider option to double accidental cover
Eligibility Criteria
- Minimum Entry Age: 18 Years
- Maximum Entry Age: 45 Years
- Minimum Basic Sum Assured: ₹ 50,00,000
- 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 Digi Term
Get quick answers to the most common questions regarding LIC Digi Term (Table 876) premiums, bonus rates, and maturity.
Q1: What is the key benefit of LIC Digi Term (Table 876)?
⌄
LIC Digi Term is an official online-only pure protection term plan offering high life cover at discounted online premium rates with special lower rates for women and non-smokers.
Q2: What is the difference between Level Sum Assured and Increasing Sum Assured?
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Under Level Sum Assured, the death benefit remains constant throughout the policy term. Under Increasing Sum Assured, the life cover increases by 10% of the basic sum assured every year from the 6th to the 15th policy year (reaching up to 200% of basic cover) to automatically beat inflation!
Q3: What is the minimum Sum Assured for LIC Digi Term?
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The minimum Basic Sum Assured is ₹50 Lakhs (₹50,00,000), with typical covers chosen being ₹1 Crore to ₹2 Crores.
Q4: Can death benefits be paid in instalments instead of a lump sum?
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Yes. Policyholders can choose to distribute the death benefit claim to their nominee in monthly, quarterly, half-yearly, or annual instalments over a period of 5 years.