LIC Jeevan Labh Calculator – Plan 736 Premium & Maturity Benefits

LIC Jeevan Labh Calculator Plan 736

LIC’s Jeevan Labh (Plan 736) is a limited premium, high-return savings-cum-protection plan designed to offer strong maturity benefits along with financial security. With the LIC Jeevan Labh Calculator Plan 736, you can easily estimate your premium, maturity amount, bonuses, and death benefit based on your age, policy term, and sum assured.

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LIC Jeevan Labh (736)

Limited Premium Endowment Plan – Pay Less, Get More

Age (Nearest Birthday) Min: 8 completed, Max: 50/54/59 (term-based)

Policy Term (Years) Only 3 options: 16, 21, or 25 years

Basic Sum Assured (₹) Min: ₹2L (₹10k: 2-4.5L, ₹25k: >4.5L)

Premium Paying Term Auto: 10 (T16), 15 (T21), 16 (T25)

Maturity Age Age + Policy Term (Max: 75 Years)

Premium Payment Mode Choose your payment frequency

Limited Premium Plan: LIC’s Jeevan Labh 736 is perfect for disciplined savings! Pay premiums for limited years (10/15/16) but enjoy coverage for full term (16/21/25). Death benefit = Higher of BSA or 7x Annual Premium. Bonuses shown are illustrative (₹47 per ₹1000 + FAB ₹32 per ₹1000) and not guaranteed.

PREMIUM OPTIONS (with GST & Rebates)

Limited premium payment – Pay for fewer years, covered for full term!

Yearly

₹23,650

Base+Rebate: ₹22,630
GST (4.5%): ₹1,020
Total: ₹23,650

Half Yearly

₹12,085

Base+Rebate: ₹11,565
GST (4.5%): ₹520
Total: ₹12,085

Quarterly

₹6,155

Base+Rebate: ₹5,890
GST (4.5%): ₹265
Total: ₹6,155

Monthly (NACH)

₹2,068

Base+Rebate: ₹1,978
GST (4.5%): ₹90
Total: ₹2,068

Premium includes mode & high SA rebates. First Year GST: 4.5%, Second Year onwards: 2.25%. Plan 736 offers better loan facility (after 1 year) vs older plans.

PLAN DETAILS

Entry Age:	30 Years
Policy Term:	21 Years
Premium Paying Term:	15 Years
Maturity Age:	51 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 Premium (Base):	₹22,630
Selected Payment Mode:	Yearly

Limited Payment Advantage: Death Benefit = Higher of (BSA or 7x Annual Premium) + Bonuses. Maturity = BSA + Bonuses. Loan after 2 years (50% after 1 year in Plan 736). Tax benefits u/s 80C & 10(10)D. Riders available.

ESTIMATED BENEFITS (Illustrative with Sample Bonus)

Maturity Benefit

₹10,03,500

BSA + Estimated Bonuses + FAB (Based on ₹47 per ₹1000 per year + FAB ₹32 per ₹1000 – not guaranteed)

Death Benefit

₹15,03,500

Higher of (BSA or 7x Annual Premium) + Estimated Bonuses + FAB (Min 105% of premiums paid)

Plan 736 vs 936/836: Plan 736 has 7x death cover (vs 10x in older plans), but offers BETTER loan facility (after 1 year vs 3 years). Bonus rates are illustrative and declared annually by LIC.

Year-wise Policy Details (Illustrative)

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

Disclaimer: Bonus rates shown are illustrative (@₹47 per ₹1000 SA per year + FAB @₹32 per ₹1000 at maturity, based on historical data). Actual bonuses declared annually by LIC and not guaranteed. Death benefit assumes in-force status. Plan 736 offers improved loan facility compared to older versions.

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This tool helps you understand how much you need to invest and what guaranteed benefits you can expect—making long-term financial planning simple, clear, and reliable.

What the Calculator Provides:

Premium calculation (monthly, quarterly, yearly)
Total premium payable for the limited payment term
Estimated maturity benefit with bonuses
Death benefit as per LIC guidelines
Long-term savings & return projections

Plan smart and secure your future with the LIC Jeevan Labh (Plan 736) Calculator—quick, accurate, and user-friendly.

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LIC’s Jeevan Labh Calculator Plan 736