LIC’s Jeevan Utsav Calculator

December 6, 2025 • 3 min read • lic calculator

LIC Jeevan Utsav Calculator Plan 771

LIC Jeevan Utsav Calculator: LIC’s Jeevan Utsav (Plan 771) Calculator – Whole life plan with guaranteed lifetime returns and optional riders.

LIC Jeevan Utsav (771)

Whole Life Plan with Guaranteed Lifetime Income

Min: 30 days, Max: 65 years
Choose between 5 to 16 years
Min: ₹5L (₹25k: 5-10L, ₹1L: >10L)
Choose income payout structure
Whole life coverage till age 100
Choose your payment frequency
Whole Life Income Plan: LIC’s Jeevan Utsav 771 offers GUARANTEED LIFETIME INCOME! Pay premiums for limited period (5-16 years) and receive 10% of Sum Assured EVERY YEAR for LIFE (till age 100). Guaranteed Additions @ ₹40 per ₹1000 SA during premium paying term. Death benefit = Higher of BSA or 7x Annual Premium. All benefits are guaranteed – no bonus uncertainty!

PREMIUM OPTIONS (with GST & Rebates)

Limited premium payment for whole life guaranteed income!

Yearly

₹45,890
Base+Rebate: ₹43,900
GST (4.5%): ₹1,990
Total: ₹45,890

Half Yearly

₹23,470
Base+Rebate: ₹22,455
GST (4.5%): ₹1,015
Total: ₹23,470

Quarterly

₹11,950
Base+Rebate: ₹11,435
GST (4.5%): ₹515
Total: ₹11,950

Monthly (NACH)

₹4,018
Base+Rebate: ₹3,845
GST (4.5%): ₹173
Total: ₹4,018
Premium includes mode loading & high SA rebates. First Year GST: 4.5%, Second Year onwards: 2.25%. Max premium ceasing age: 75 years.

PLAN DETAILS

Entry Age:30 Years
Policy Term:Till Age 100 (Whole Life)
Premium Paying Term:12 Years
Premium Ceasing Age:42 Years
Basic Sum Assured:₹5,00,000
Death SA (Higher of BSA or 7x AP):₹5,00,000
Annual Income Benefit (10% SA):₹50,000
Income Starts From:Age 45 (PPT+3)
Guaranteed Addition Rate:₹40 per ₹1000 SA per year
Total Guaranteed Additions:₹2,40,000
Annual Premium (Base):₹43,900
Guaranteed Benefits: Death Benefit = Higher of (BSA or 7x Annual Premium) + Guaranteed Additions. Annual Income = 10% of BSA for life. Guaranteed Additions @ ₹40 per ₹1000 during PPT. Loan after 1 year. Tax benefits u/s 80C & 10(10)D.

ESTIMATED BENEFITS (All Guaranteed)

🎉 GUARANTEED ANNUAL INCOME FOR LIFE

₹50,000
You receive this amount EVERY YEAR starting from age 45 till age 100 = Total ₹27,50,000 (55 years × ₹50,000)

Total Income (Life)

₹27,50,000
Annual Income from start age till 100 (All payments guaranteed)

Death Benefit

₹7,40,000
Higher of (BSA or 7x Annual Premium) + Guaranteed Additions (Min 105% of premiums paid)

Guaranteed Additions

₹2,40,000
@ ₹40 per ₹1000 SA every year during Premium Paying Term
Important: All benefits are GUARANTEED at policy inception. No bonus uncertainty. Regular Income starts from age 18 (or after completion of age 18). Flexi Income starts after PPT+3 years. Choose based on your financial planning needs.

Year-wise Policy Details (Guaranteed)

▼
Year Age Cumulative Premium (₹) Annual GA (₹) Total GA (₹) Annual Income (₹) Death Benefit (₹)

Note: All values are GUARANTEED at policy inception. Guaranteed Additions @ ₹40 per ₹1000 SA during premium paying term only. Death benefit = Higher of (BSA or 7x Annual Premium) + Accrued GA. Annual income = 10% of BSA payable from specified age till age 100. Riders available at extra cost.

Share this Calculation

Powered by test.calculatordekho.com

LIC’s Jeevan Utsav Plan Ditails See PDF

➤ Related

Calculator Dekho:

Leave a Comment