LIC Jeevan Lakshya Calculator

December 6, 2025 • 3 min read • lic calculator

LIC Jeevan Lakshya Calculator | LIC’s Jeevan Lakshya (Plan 733) Calculator

LIC’s Jeevan Lakshya (Plan 733) is a unique protection-cum-savings plan designed to provide financial security to your family along with a guaranteed maturity benefit. With the Jeevan Lakshya Calculator, you can quickly estimate your premium, maturity value, bonuses, and death benefit by entering basic details such as age, policy term, and sum assured.

LIC Jeevan Lakshya (733)

Annual Income Benefit for Family Protection

Min: 18 completed, Max: 50 years (nearest birthday)
Choose between 13 to 25 years
Min: ₹2,00,000 (₹10,000 multiples)
Auto: Policy Term – 3 years
Age + Policy Term
Choose your payment frequency
Unique Family Income Plan: LIC’s Jeevan Lakshya provides ANNUAL INCOME to your family if death occurs during premium paying term. Family receives 10% of Sum Assured annually PLUS lump sum at maturity. Perfect for children’s education & family needs. Bonuses shown are illustrative (₹45 per ₹1000 + FAB ₹30 per ₹1000).

PREMIUM OPTIONS (with GST & Rebates)

Choose your preferred payment mode for family income protection.

Yearly

₹24,350
Base+Rebate: ₹23,300
GST (4.5%): ₹1,050
Total: ₹24,350

Half Yearly

₹12,445
Base+Rebate: ₹11,910
GST (4.5%): ₹535
Total: ₹12,445

Quarterly

₹6,335
Base+Rebate: ₹6,060
GST (4.5%): ₹275
Total: ₹6,335

Monthly (NACH)

₹2,129
Base+Rebate: ₹2,037
GST (4.5%): ₹92
Total: ₹2,129
Premium includes mode & high SA rebates. First Year GST: 4.5%, Second Year onwards: 2.25%

PLAN DETAILS

Entry Age:30 Years
Policy Term:20 Years
Premium Paying Term:17 Years
Maturity Age:50 Years
Basic Sum Assured:₹5,00,000
Annual Income Benefit (10% SA):₹50,000
Income Period (if death during PPT):3 Years
Annual Premium (Base):₹23,300
Selected Payment Mode:Yearly
Unique Feature: If death occurs during premium paying term, family receives 10% of SA annually until maturity + Full maturity benefit as lump sum. Limited premium payment. Tax benefits u/s 80C & 10(10)D.

ESTIMATED BENEFITS (Illustrative with Sample Bonus)

🎯 Annual Income to Family (if Death During PPT)

₹50,000
Your family receives this amount EVERY YEAR from death till maturity (10% of Sum Assured) + Full Maturity Benefit as Lump Sum

Maturity Benefit (Survival)

₹9,50,000
BSA + Estimated Bonuses + FAB (Based on ₹45 per ₹1000 per year – not guaranteed)

Death Benefit (During PPT)

₹11,00,000
Annual Income × Remaining Years + Maturity Benefit with Bonuses (Min 105% of premiums paid)
Example: If death occurs in Year 10, family receives ₹50,000 annually for 7 years (till maturity) = ₹3,50,000 + Maturity lump sum ₹9,50,000 = Total ₹13,00,000

Year-wise Policy Details (Illustrative)

▼
Year Age Cumulative Premium (₹) Annual Bonus (₹) Total Bonus (₹) Death Benefit* (₹)

*Death Benefit: If death occurs during Premium Paying Term, Annual Income (10% SA) payable yearly till maturity + Maturity amount as lump sum. Bonus rates are illustrative (@₹45 per ₹1000 SA per year + FAB @₹30 per ₹1000 at maturity). Actual bonuses declared annually by LIC and not guaranteed.

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This tool helps you understand how much you need to invest and what benefits you can expect throughout the policy—making financial planning easier and more transparent.

What the Calculator Helps You With:

  • Premium calculation (monthly, quarterly, yearly)
  • Total premium payable over the policy duration
  • Estimated maturity benefit with bonuses
  • Death benefit as per LIC guidelines
  • Long-term savings and protection projection

Plan confidently with the LIC’s Jeevan Lakshya Plan 733 (UIN: 512N297V03) Calculator and get a clear estimate of your financial benefits.

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