LIC New Policy Details (2025–2026

Here are the latest and most popular new policy options from Life Insurance Corporation of India (LIC) explained in simple terms:

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🆕 LIC New Policy Details (2025–2026)

1. LIC Bima Jyoti

• Type: Savings + Life Insurance

• Premium: Limited period (e.g., 10–15 years)

• Benefits:

  • Guaranteed additions every year

  • Lump sum maturity amount

  • Life cover throughout policy term

• Best for: Safe long-term savings with low risk

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2. LIC Dhan Sanchay

• Type: Non-participating savings plan

• Key Features:

  • Guaranteed income or lump sum

  • Flexible premium payment options

  • Death benefit with guaranteed returns

• Best for: Fixed income planning (like pension-style income)

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3. LIC Jeevan Utsav

• Type: Whole life income plan

• Benefits:

  • Regular yearly income after premium term

  • Lifetime coverage (till age 100)

  • Flexible payout options

• Best for: Lifetime income + protection

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4. LIC Amritbaal

• Type: Child savings plan

• Features:

  • Helps build fund for child education

  • Guaranteed additions

  • Maturity payout at fixed age

• Best for: Children’s future planning

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5. LIC Index Plus

• Type: Market-linked ULIP

• Benefits:

  • Investment linked to stock market index

  • Potential higher returns

  • Life cover included

• Best for: People willing to take moderate risk

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6. LIC Tech Term

• Type: Pure term insurance

• Features:

  • High life cover at low premium

  • Online purchase

  • Optional riders (accident, critical illness)

• Best for: Family financial protection

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💡 Which LIC Policy is Best for You?

• ✔️ Safe savings → Bima Jyoti / Dhan Sanchay

• ✔️ Monthly income → Jeevan Utsav

• ✔️ Child future → Amritbaal

• ✔️ Investment + insurance → Index Plus

• ✔️ Cheap high cover → Tech Term

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📊 Simple Example

If you invest ₹50,000/year:

• Savings plans → Guaranteed return + bonus

• ULIP → Market-based return (can be higher or lower)

• Term plan → No return, only protection

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⚠️ Important Tips

• Always check IRR (return %) before buying

• Don’t mix insurance & investment blindly

• Compare LIC with private insurers too

• Read policy brochure carefully

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If you want, tell me:
👉 your age
👉 budget per year
👉 goal (saving / protection / child / pension)

I can suggest best LIC policy for YOU personally 👍