LIC Jeevan Umang Calculator Plan 745

December 6, 2025 • 3 min read • lic calculator

LIC Jeevan Umang Calculator Plan 745 – Estimate Premium, Survival Benefits & Lifetime Returns

LIC Jeevan Umang Calculator Plan 745: LIC’s Jeevan Umang (Plan 745) is a whole-life, income-based insurance plan that provides annual survival benefits, life cover up to age 100, and a lump-sum maturity benefit. With the LIC Jeevan Umang Calculator Plan 745, you can easily estimate your premium, yearly income payouts, maturity value, and total policy benefits based on your age, sum assured, and policy term.

LIC Jeevan Umang (745)

Whole Life Plan with 8% Annual Survival Benefits + Bonus

Min: 30 days, Max: 40-55 (PPT-based)
Choose: 15, 20, 25, or 30 years
Min: ₹2L (₹25k: 2-4.5L, ₹50k: 4.5-9L, ₹1L: >9L)
Auto: (100 – Age at Entry) years
Whole life coverage till age 100
Choose your payment frequency
Whole Life with Survival Benefits: LIC’s Jeevan Umang 745 offers COMPLETE FINANCIAL SECURITY! Pay premiums for limited years (15/20/25/30) and receive 8% of BSA ANNUALLY after premium paying term till age 100. Death benefit = Higher of BSA or 7x Annual Premium + Bonuses. Participating plan with Simple Reversionary Bonuses (illustrative: ₹50 per ₹1000 + FAB ₹60 per ₹1000 – not guaranteed).

PREMIUM OPTIONS (with GST & Rebates)

Limited premium payment for whole life coverage + survival benefits!

Yearly

₹32,450
Base+Rebate: ₹31,050
GST (4.5%): ₹1,400
Total: ₹32,450

Half Yearly

₹16,580
Base+Rebate: ₹15,865
GST (4.5%): ₹715
Total: ₹16,580

Quarterly

₹8,430
Base+Rebate: ₹8,065
GST (4.5%): ₹365
Total: ₹8,430

Monthly (NACH)

₹2,833
Base+Rebate: ₹2,710
GST (4.5%): ₹123
Total: ₹2,833
Premium includes mode & high SA rebates. First Year GST: 4.5%, Second Year onwards: 2.25%. Surrender value available after 1 year.

PLAN DETAILS

Entry Age:30 Years
Policy Term:70 Years (100-30)
Premium Paying Term:20 Years
Maturity Age:100 Years
Basic Sum Assured:₹5,00,000
Death SA (Higher of BSA or 7x AP):₹5,00,000
Maturity Sum Assured:₹5,00,000
Annual Survival Benefit (8% BSA):₹40,000
Survival Starts From:Age 50 (After PPT)
Annual Premium (Base):₹31,050
Key Benefits: Death Benefit = Higher of (BSA or 7x Annual Premium) + Bonuses (Min 105% of premiums paid). Survival Benefit = 8% of BSA annually from end of PPT till age 99. Maturity = BSA + Bonuses. Participating plan with SRB + FAB. Loan after 1 year. Tax benefits u/s 80C & 10(10)D.

ESTIMATED BENEFITS (Illustrative with Sample Bonus)

🎁 ANNUAL SURVIVAL BENEFIT (8% of BSA)

₹40,000
You receive this amount EVERY YEAR from age 50 till age 99 = Total ₹20,00,000 (50 years × ₹40,000)

Maturity Benefit

₹12,50,000
BSA + Estimated Bonuses (SRB ₹50/₹1000 per year + FAB ₹60/₹1000 – not guaranteed)

Death Benefit

₹12,50,000
Higher of (BSA or 7x AP) + Bonuses (Min 105% of premiums paid)

Total Survival Income

₹20,00,000
Total survival benefits from end of PPT till age 99 (8% BSA annually)
Illustrative Bonus: Bonuses shown are indicative based on historical rates (SRB @ ₹50 per ₹1000 per year during PPT + FAB @ ₹60 per ₹1000 at maturity/death). Actual bonuses declared annually by LIC and not guaranteed. All values subject to policy being in-force.

Year-wise Policy Details (Illustrative)

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

Disclaimer: Bonus rates shown are illustrative (@₹50 per ₹1000 SA per year during PPT + FAB @₹60 per ₹1000 at maturity/death, based on historical data). Actual bonuses declared annually by LIC and not guaranteed. Survival benefits = 8% of BSA payable annually after PPT. Death benefit = Higher of (BSA or 7x Annual Premium) + Bonuses. All values subject to policy being in-force.

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