LIC Calculator 2025 Calculate Premium, Maturity and Returns Online

Are you planning your future with LIC insurance plans, but feeling confused and stressed? With so many options of LIC plans available, choosing the right plan can be overwhelming. That’s where our LIC Calculator makes things easier. It helps you quickly estimate your premiums, maturity value, and insurance coverage in just a few clicks.

Whether you’re comparing different LIC policies or simply exploring how much protection you need for your family, this easy-to-use LIC calculator gives you clear insights to make confident financial decisions. No complicated steps, no guesswork—just a simple way to understand your investment and secure your tomorrow.

LIC Premium Calculator

Your Age

Gender Select Gender Male Female

Policy Type Select Policy Type Term Insurance Endowment Policy Whole Life Policy ULIP Money Back Policy

Sum Assured (₹)

Policy Term (Years) Select Term 10 Years 15 Years 20 Years 25 Years 30 Years

Payment Mode Select Mode Yearly Half Yearly Quarterly Monthly

Calculate Premium

₹0

What Is a LIC Calculator?

A LIC Calculator is a smart and digital online tool, which is used to calculate and estimate the important details like Premium amount, maturity amount, etc., about all LIC (Life Insurance Corporation of India) policies on the basis of official LIC plans. This Calculator helps to estimate the

• Premium amount for all lic plans.
• Maturity amount based on the lic policy
• Surrender value, pension amount, and survival, death benefit estimates. ….

After entering a few basic details like your age, policy term, sum assured, and premium payment frequency, these calculators also give you an idea of:

• How much premium will you need to pay
• The maturity amount you can expect
• The insurance coverage your family will get.

It is a quick and simple way to compare many LIC plans and also helps to understand the benefits and choose the plan that fits your financial goals without any manual calculations.

How to Use the LIC Calculator – Step by Step

Using this  LIC Calculator is quick, very easy, and requires only a few details. If someone  is new on this platform, then these simple processes will help to get accurate results:

• Visit the website :- First of all go to the https://liccalc.com/
• Select Your LIC Policy type:- Now choose the type of plan as Pension Plans, insurance
• Select the lic calculator:- Then pick the required Calculator like Jeevan Umag, Jeevan Saral.
• Enter Your Personal Details:- Provide your age, gender, and any other required personal information.
• Enter Policy Details – Input the sum assured, policy term, and premium payment frequency.
• Click Calculate:- It will instantly display your premium, maturity amount, and insurance coverage.
• Download report:-  Here you can download the PDF report for your further use.

Explore the type of  LIC Calculator

Hello dosto, We know that LIC offers a wide range of policies, and each LIC Plan comes with its own benefits. Therefore, to make things easier, an online LIC calculator will help you to understand the Premium value, Maturity values, Surrender amounts, and more without any manual effort. At LICCalc.com, you will find different calculators designed for specific needs:

• LIC Premium Calculator – It works quickly and helps to find out the premium you need to pay for a policy.
• LIC Maturity Calculator – This estimates the maturity value of your plan
• LIC Surrender Value Calculator – here you can check how much you’ll get if you surrender the policy early.
• LIC Loan Calculator – you can calculate the loan amount available against your LIC policy.
• LIC Pension/Annuity Calculator – Plan your retirement by estimating your future pension.
• LIC specific plan Calculator – Get Premium and coverage details for LIC Plan like Jeevan Labh, LIC Jeevan Umang, Jeevan Saral, etc.
• Return Calculator
• LIC SIP Calculator
• Home Loan EMI & Eligibility
• Endowment Plan Calculator

Each calculator is built using official LIC data, ensuring accurate and reliable results every time.

Why Use an LIC Premium Calculator?

As we see, many people are purchasing LIC policies only on someone’s advice, but they do not understand or know how much money they will need to pay as premiums or receive the maturity amount benefits.

To avoid this type of problem, our LIC Premium Calculator makes it easier to plan your insurance and investments. Instead of guessing, you can instantly know how much premium you will need to pay for the policy you choose, based on your age, policy term, and sum assured. Below are the use cases of the LIC Policy Calculator, which help users to solve these problems.

• Accurate Premium Estimation
• Maturity Value Forecasting
• Compare Multiple LIC Plans
• Saves Time & Avoids Common Errors
• Helps in making Goal-Based Planning (like retirement, child education, etc.)

How Does the LIC Calculator Work?

Using the LIC calculator is a very easy process, and you can do it in just a few minutes. The calculator uses very simple and specific LIC policy formulas. Here are the simple steps to follow :

Step 1- Visit the website.

First of all, click on the specific LIC plan calculator (e.g., endowment, money-back, term) that you want to use.

Step 2- Enter details

Now enter the required details like your age, policy term, sum assured (coverage amount), and premium payment frequency.

Step -3 Calculator Processes Data

The calculator will instantly show the detailed information and also provide the breakdown like maturity benefits, death coverage, bonus projections, and premium into monthly, quarterly, half-yearly, and yearly, including taxes if applicable.

Step 4: download, print, or share

After reviewing the result of the calculator you can download, print, or share this report for your further use.

Popular LIC Calculators Available at Liccalc.com

We provide a wide range of calculators to simplify your insurance planning, categorized according to different LIC plans.

Explore LIC Insurance Plans

• Endowment Plans (10 tools)

• Term Assurance (7 tools)

• Whole Life Insurance(2 tools)

• Riders & Add-Ons(5 tools)

• Money Back Policies (5 tools)

Pension Plans

Pension plans help you to secure your income during old age. These policies are ideal for senior citizens and anyone planning a safe and comfortable future, so you can continue enjoying the best things in life.

• LIC’s New Jeevan Shanti
• LIC’s New Pension Plus
• LIC’s Jeevan Akshay-VII
• LIC’s Smart Pension
• LIC’s Saral Pension

Unit Linked Insurance Plans (ULIPs)

Linked Insurance Plans (ULIPs) are a type of LIC policy that combines investment and insurance. These plans are suitable for those people who are looking for long-term wealth growth along with financial protection.

• LIC’s Index Plus
• LIC’s Nivesh Plus
• LIC’s SIIP
• LIC’s New Endowment Plus

Withdrawn Plans

Withdrawn Plans refer to LIC policies that are no longer available for purchase on the official LIC website. While new customers cannot buy these plans, existing policyholders can continue their policies and enjoy the benefits as per the original terms and conditions of the LIC plan.

Who Can Benefit from the LIC Calculator?

The LIC Calculator is designed for anyone who is looking to plan their financial future with ease and accuracy. Calculators are  especially helpful for:

• New Policy Buyers: These LIC calculators help to understand premiums and coverage before purchasing any LIC policy.
• Existing Policyholders: Through this,  you can check maturity values, surrender amounts, or loan eligibility on current policies.
• Families Planning for the Future: Here you can compare different plans to ensure your loved ones are financially secure.
• Retirement Planners: Use pension and annuity calculators to estimate your post-retirement income.
• Students or Young Professionals: anybody can get a clear idea of affordable life cover and investment options.

With the help of the LIC Calculator, everyone—from first-time buyers to experienced investors—can make informed decisions quickly and confidently.

Features and Benefits of the LIC Calculator

Hello friends, choosing the right LIC policy for you and your family may become very simple when you have the right tools. At LICCalc.com, we bring you easy-to-use calculators that make your financial planning smarter and faster. Here we see why thousands of users trust us:

• Free and Easy to Use – Here, no charges, no sign-up required. Just enter your details and get instant results.
• Accurate & Reliable – Calculations are based on LIC’s official policy rules and formulas, so you get trustworthy estimates.
• All-in-One Platform –Here Premium, Maturity, Surrender, loan, Pension, or term plan—we have got every LIC calculator you need at LICCalc.com.
• Time-Saving –Skip lengthy manual calculations or branch visits and get accurate answers in seconds.
• Mobile-Friendly – all calculators are reliable on all devices. where you can access our calculators anytime, anywhere on your phone, tablet, or computer.
• Smart Decision Making – You can compare policies, check affordability, and choose the plan that best fits your goals.

Popular LIC Plans You Can Calculate

Here are some popular LIC plans, which we can calculate with the LIC Policy Premium Calculator.

• LIC Jeevan Labh
• LIC New Endowment Plan
• LIC Jeevan Anand
• LIC Tech Term Plan
• LIC Jeevan Umang
• LIC Child Future Plan
• LIC Jeevan Ankur Plan

Frequently Asked Questions (FAQs)