LIC's Jeevan Shiromani Policy: Secure Returns and Crores in Benefits with This Exclusive Investment Plan

High Returns, Full Protection: LIC’s Elite Insurance Scheme

MUMBAI Life Insurance Corporation of India (LIC) continues to offer secure and profitable investment options with its premium insurance plan, Jeevan Shiromani Policy. Specially tailored for high-net-worth individuals, this non-linked savings and protection plan offers guaranteed returns and critical illness benefits, making it a top choice for those seeking long-term financial security and high returns.

Unlike market-linked plans, Jeevan Shiromani guarantees a minimum sum assured of ₹1 crore, with no upper limit on investment. Its unique structure makes it both a protection plan and a wealth-building tool, ideal for individuals looking to safeguard their future while maximizing financial returns.

Four-Year Premium, Lifetime Benefits

One of the standout features of the Jeevan Shiromani policy is its limited premium payment term. Policyholders are required to pay premiums for just four years. After that, periodic payouts, bonuses, and maturity benefits start rolling in—making it a true money-back plan.

Money-Back Structure Based on Policy Term:

• 14-Year Policy: 30% of Basic Sum Assured in 10th and 12th years

• 16-Year Policy: 35% in 12th and 14th years

• 18-Year Policy: 40% in 14th and 16th years

• 20-Year Policy: 45% in 16th and 18th years

The remaining amount and accrued bonuses are disbursed at maturity, adding a sizable return to the already impressive payouts.

Eligibility and Age Criteria

To avail this elite plan, the minimum entry age is 18 years. The maximum age for entry varies by policy term:

• 14-Year Term: Max age 55 years

• 16-Year Term: Max age 51 years

• 18-Year Term: Max age 48 years

• 20-Year Term: Max age 45 years

Critical Illness and Bonus Benefits

LIC’s Jeevan Shiromani policy offers critical illness coverage for 15 major ailments, including cancer, heart conditions, and more. In the event of diagnosis, policyholders receive a lump-sum payout for treatment expenses.

Being a participating policy, Jeevan Shiromani also shares LIC’s profits with policyholders in the form of loyalty additions and final bonuses, significantly enhancing maturity benefits.

For high-income investors who seek stability, security, and significant returns, LIC’s Jeevan Shiromani policy stands out as a smart and rewarding choice.