LIC Yuva Term Plan 875 Calculator Dekho

December 8, 2025 • 4 min read • lic calculator

LIC Yuva Term Plan 875 Calculator Dekho

The LIC Yuva Term Plan 875 Calculator helps you quickly estimate your term insurance premium based on your age, policy term, and sum assured. It gives a clear idea of the cost of protection and the benefits offered under this plan. This calculator is useful for easy comparison and smart financial protection planning.

LIC’s Yuva Term Plan (875)

Plan No. 875 (UIN: 512N355V02) – Pure Protection for Young Individuals

Min: 18, Max: 45 years (last birthday)
Special rates for women (3 years age setback)
Non-smoker rates are significantly lower
Min: ₹50,00,000. Auto-adjusts to multiples
Level remains constant, Increasing grows over time
How long you want to pay premiums
Min: 15, Max: 40 years (maturity age ≤ 75)
Frequency of premium payment
Important Notice: LIC Yuva Term Plan 875 is a pure term insurance plan with no maturity benefit. All premium calculations shown are approximate estimates based on sample premium rates from LIC brochure. Actual premiums depend on complete medical underwriting, your health profile, and LIC’s evaluation. GST rate shown is 18% (subject to change). Smoker premium includes estimated 25% loading over non-smoker rates. This calculator uses interpolation for ages/terms not explicitly listed in brochure. Always consult LIC agent for exact premium quotes.

PREMIUM ESTIMATE (Age: 30, Male, Non-Smoker, BSA: ₹50,00,000, Term: 20 yrs, PPT: Regular, DB: Level)

Choose your preferred payment option below to view complete premium breakdown:

GST Information: All premiums shown include 18% GST (assumed rate for term insurance plans). Base premiums are calculated exclusive of GST. Actual GST rate is as per prevailing government regulations and may change.

DEATH BENEFIT DETAILS

“Sum Assured on Death” Definition:
For Regular/Limited Premium: Highest of (a) 7 times Annualized Premium, (b) 105% of Total Premiums Paid till death, (c) Absolute Amount Assured to be paid on death as per selected option.
For Single Premium: Higher of (a) 125% of Single Premium, (b) Absolute Amount Assured to be paid on death as per selected option.

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Maturity Benefit: This is a pure term insurance plan. On survival to the end of policy term, NO maturity benefit is payable. The policy simply terminates with no returns. This plan provides pure life cover only.

Plan Summary & Features

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Key Features:

  • Non-Participating, Non-Linked, Pure Risk Premium Term Insurance Plan
  • Can be purchased offline through licensed agents, corporate agents, brokers, and IMFs
  • Flexibility to choose Level or Increasing Sum Assured death benefit options
  • Special preferential rates for women (3 years age setback benefit)
  • Choice of Regular, Limited Premium (10/15 years), or Single Premium payment modes
  • Option for death benefit payment in instalments to nominees
  • Attractive High Sum Assured Rebates for larger cover amounts
  • Two premium rate categories: Non-Smoker and Smoker

Eligibility Conditions:

  • Minimum Entry Age: 18 years (last birthday)
  • Maximum Entry Age: 45 years (last birthday)
  • Minimum Maturity Age: 33 years (last birthday)
  • Maximum Maturity Age: 75 years (last birthday)
  • Minimum Basic Sum Assured: ₹50,00,000
  • Maximum Basic Sum Assured: ₹5,00,00,000 (higher amounts on case-to-case basis)
  • Premium Payment Modes: Yearly, Half-Yearly (for Regular/Limited); Only Yearly for Single
  • Minimum Policy Term: 15 years (for Regular/Single/Limited 10 years); 20 years (for Limited 15 years)
  • Maximum Policy Term (Level SA): 40 years (subject to maximum maturity age 75)
  • Maximum Policy Term (Increasing SA): Varies by age & Sum Assured as per LIC guidelines

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LIC Yuva Term Plan 875 Calculator – Estimate Term Insurance Premium Online

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