🛡️ Table No. 854 • Term Assurance • Pure Protection
LIC Tech Term Calculator
Pure Life Protection With High Sum Assured at Affordable Rates. Check exact yearly, half-yearly, and monthly premiums with 2026 bonus estimations.
30 Years
₹ 1,00,00,000
LIC Tech 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 Tech Term (Table No. 854)
Pure protection term insurance plan offering huge financial security to family members at very low online premium rates with level or increasing sum assured.
Key Plan Highlights
- Huge life cover at minimal premiums
- Discounted rates for non-smokers and high sum assured
- Level Sum Assured or Increasing Sum Assured option
- Rider benefits: Accidental Benefit Rider
Eligibility Criteria
- Minimum Entry Age: 18 Years
- Maximum Entry Age: 65 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 Tech Term
Get quick answers to the most common questions regarding LIC Tech Term (Table 854) premiums, bonus rates, and maturity.
Q1: What is LIC Tech Term (854)?
⌄
LIC Tech Term is a pure protection online term insurance plan providing high financial security to your family at very low premium rates.
Q2: What is the difference between Level Sum Assured and Increasing Sum Assured?
⌄
Level SA remains constant throughout the term. Increasing SA increases by 10% each year from the 6th to 15th policy year until it doubles.
Q3: Are there discounted rates for healthy non-smokers and women?
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Yes. Tech Term features preferential discounted premium rates for verified non-smokers and female policyholders.
Q4: Is there any maturity payout if I survive the term?
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No. Tech Term is a pure risk cover plan with ₹0 maturity value, designed for maximum financial protection at minimal cost.