When it comes to financial planning, most people look for two things:
Safety of money (capital protection)
Strong returns (wealth creation for the future)
The Life Insurance Corporation of india (LIC), trusted by millions of indians for decades, offers a variety of plans that combine both these benefits. Whether you want lifetime protection, retirement income, children’s education fund, or long-term savings, lic has something for everyone.
Here are the 10 best lic plans in 2025 that guarantee money safety along with attractive returns.
1. lic Index Plus
- Type: Unit-linked insurance + investment
- Highlights: Invest in Flexi Growth Fund (Nifty100) or Flexi Smart Growth Fund (Nifty50) based on your risk appetite.
- Extra Benefit: Guaranteed additions at intervals boost your returns.
- Eligibility: Age 90 days to 60 years
- Term: 10–25 years
👉 Ideal for those who want market-linked growth with protection.
2. lic Nivesh Plus
- Type: Single-premium unit-linked plan
- Highlights: One-time premium payment with guaranteed additions.
- Flexibility: Partial withdrawals allowed after 5 years.
- Riders: Accidental death benefit option available.
- Eligibility: 90 days to 70 years
- Term: 10–25 years
👉 Suitable for investors who want a one-time investment with growth + insurance.
- Type: Savings + life protection
- Highlights: Lifetime protection with annual Survival Benefits (after premium payment term).
- Benefit: On death or maturity, a lump sum benefit is paid.
- Eligibility: 30 days to 55 years
👉 A great option for those who want regular income + family security.
- Type: Lifetime income plan
- Highlights: Choice of regular income or flexi income after premium term.
- Extra Benefit: Guaranteed annual additions that grow your wealth.
👉 Perfect for those who want financial flexibility with guaranteed returns.
5. lic New Pension Plus
- Type: Unit-linked pension plan
- Highlights: Build a retirement fund with single or regular premiums.
- Investment Choice: Four fund options with switching flexibility.
- Eligibility: 25–75 years
👉 Best for those planning stable income after retirement.
- Type: Deferred annuity plan
- Highlights: Make a single payment today, get fixed income in the future.
- Options: Choose single life or joint life coverage.
- Eligibility: 30–79 years
👉 A reliable choice for retirees or near-retirement individuals.
- Type: Savings + insurance combo
- Highlights: Lump sum on maturity if you survive, but life cover continues even after policy term.
- Extra Benefits: Loan facility + annual bonuses.
- Eligibility: 18–50 years
👉 Known as a “plan that never ends”, ensuring lifelong security.
- Type: Pure term insurance
- Highlights: High coverage at low premiums.
- Flexibility: Single, regular, or limited premium options.
- Add-ons: Riders like accidental death and disability cover.
👉 Perfect for families seeking maximum protection at minimum cost.
9. lic Amritbaal
- Type: Child savings + protection plan
- Highlights: Helps build a secure financial future for children.
- Benefit: 7–10 times sum assured in limited premium or 1.25–10 times in single premium.
👉 Best suited for parents who want to secure their child’s education and future needs.
- Type: Traditional savings plan
- Highlights: Offers benefits in both death and survival cases.
- Bonuses: Regular bonuses increase maturity value.
- Eligibility: 8–59 years
👉 A classic plan for risk-free savings with tax benefits under 80C and 10(10D).
Conclusion
LIC plans are designed for different needs—protection, savings, retirement, or children’s future. The best part? All these plans come with the guarantee of safety, trust of lic, and strong returns over time.
Disclaimer:
The views and opinions expressed in this article are those of the author and do not necessarily reflect the official policy or position of any agency, organization, employer, or company. All information provided is for general informational purposes only. While every effort has been made to ensure accuracy, we make no representations or warranties of any kind, express or implied, about the completeness, reliability, or suitability of the information contained herein. Readers are advised to verify facts and seek professional advice where necessary. Any reliance placed on such information is strictly at the reader’s own risk.
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