🛡️ Table No. 870 • Term Assurance • Return of Premium
LIC Jeevan Kiran Calculator
Pure Life Protection Term Plan with 100% Return of Premium (ROP). Check exact yearly, half-yearly, and monthly premiums with 2026 bonus estimations.
30 Years
₹ 25,00,000
LIC Jeevan Kiran 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 Kiran (Table No. 870)
A non-linked, non-participating life insurance savings plan providing high life cover to the family during the term and returning 100% of all base premiums paid upon surviving the policy term.
Key Plan Highlights
- 100% Return of all base premiums paid on surviving the policy term
- High life cover up to age 80 with Regular and Single pay options
- Lower premium rates for non-smokers and female lives
- Option to receive death benefit claim in 5-year instalments
Eligibility Criteria
- Minimum Entry Age: 18 Years
- Maximum Entry Age: 65 Years
- Minimum Basic Sum Assured: ₹ 15,00,000
- 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 Kiran
Get quick answers to the most common questions regarding LIC Jeevan Kiran (Table 870) premiums, bonus rates, and maturity.
Q1: What makes LIC Jeevan Kiran (870) unique compared to standard term insurance?
⌄
Unlike traditional term plans where premiums are lost if you survive, LIC Jeevan Kiran refunds 100% of all base premiums paid back to you tax-free at maturity!
Q2: What is the minimum Sum Assured and entry age for Jeevan Kiran?
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The minimum Basic Sum Assured is ₹15,00,000 (with no upper limit), and entry age is from 18 to 65 years with maximum coverage up to age 80.
Q3: Are premium rates discounted for non-smokers in Jeevan Kiran?
⌄
Yes. Special discounted tabular premium rates are offered for non-smokers and female policyholders.