Is this the official LIC Jeevan Anand premium?

No. This calculator is independent and not affiliated with LIC. Actual premiums vary by plan version, rider mix, health profile and the insurer's rate card.

What happens after the maturity benefit is paid?

Under Jeevan Anand the sum assured continues as a whole-life death benefit even after maturity — payable to nominees whenever the life assured passes away.

Are the bonus rates guaranteed?

No. Reversionary and final additional bonuses on participating policies are declared each year at the insurer's discretion; historical averages are not guarantees.

LIC Jeevan Anand Calculator

Independent LIC Jeevan Anand-style premium and maturity estimator with editable bonus assumptions.

Result

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Formula

annualPremium ≈ (SA ÷ 1000) × baseRate × ageFactor × termFactor × jeevanAnandLoading; maturity = SA + (SA × bonus/1000 × term) + FAB

How it works

A free, independent tool that estimates an LIC-Jeevan-Anand-style endowment-plus-whole-life premium, total premium paid, and maturity benefit from your entry age, sum assured and policy term. Bonus and rate assumptions live in editable settings.

Example

Example: A 30-year-old buys ₹10,00,000 sum assured for 25 years. The calculator projects an annual premium near base × age factor × term factor × Anand loading, a maturity that includes 25 years of bonus plus the final additional bonus, and a lifelong death benefit equal to the sum assured.

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Disclaimer: This calculator is an independent estimation tool and is not affiliated with, endorsed by, or operated by the respective company. Actual premiums, returns, bonuses, benefits, and policy features may vary. Results are estimates for informational purposes only and should not be considered financial, medical, legal, or professional advice.