LIC Policy List 2026 – All Current LIC Plans
Every major LIC plan in one place, grouped by goal. Click any plan for full details.
Term Insurance Plans
Pure protection plans: a large life cover for a small premium. If something happens to the life assured during the term, the family receives the sum assured. Best for every earning member and anyone with a home loan or dependants.
| Plan | Plan No. | Best for |
|---|---|---|
| LIC Jeevan Raksha | 894 | New 2026 pure term plan – fixed, guaranteed death benefit of ₹5 lakh to ₹24 lakh with single, regular or limited premium. |
| LIC New Tech-Term | 954 | LIC’s online term insurance – big cover at low premium, special rates for women and non-smokers. |
| LIC Yuva Term & Digi Term | 875 / 876 | LIC’s newer term plans aimed at young earners – offline (Yuva Term) and online (Digi Term). |
| LIC Saral Jeevan Bima | 859 | IRDAI standard term plan – simple features, easy for first-time buyers. |
| LIC Bima Kavach | 887 | Ask us for details |
| LIC Digi Credit Life | 878 | Ask us for details |
| LIC Yuva Credit Life | 877 | Ask us for details |
Endowment & Savings Plans
Savings plus protection. You pay premiums for a fixed period, the family is covered throughout, and on maturity you receive a lump sum (with bonuses or guaranteed additions, depending on the plan).
| Plan | Plan No. | Best for |
|---|---|---|
| LIC New Jeevan Anand | 715 | Endowment plan with bonuses – and your life cover continues for whole life even after maturity. |
| LIC Jeevan Labh | 736 | Limited premium endowment – pay for fewer years, stay covered and get maturity with bonuses. |
| LIC Jeevan Lakshya | 733 | Goal protection plan – if the parent is not there, the family gets yearly income and the goal amount still comes on maturity. |
| LIC New Endowment Plan | 714 | Classic LIC savings plan – life cover plus maturity amount with bonuses. |
| LIC Single Premium Endowment Plan | 717 | Pay once, stay covered for the full term and get maturity with bonuses. |
| LIC Bima Platinum | 770 | New 2026 savings plan – guaranteed additions, a 70% booster payout and 10% yearly income, with life cover. |
| LIC New Bima Jyoti (launched Aug 2026) | 890 | Ask us for details |
| LIC Nav Jeevan Shree | 912 | Ask us for details |
| LIC Bima Lakshmi | 881 | Ask us for details |
| LIC New Jeevan Sathi – Single Premium | 888 | Ask us for details |
| LIC New Jeevan Sathi – Limited Premium | 889 | Ask us for details |
Child Plans
Plans built around your child’s milestones – higher studies, professional courses and marriage – with money paid out at the right ages.
| Plan | Plan No. | Best for |
|---|---|---|
| LIC Amritbaal | 774 | Child plan with guaranteed additions – build a fund for your child’s higher education. |
| LIC New Children’s Money Back Plan | 732 | Money for your child at ages 18, 20, 22 and 25 – for college and career. |
| LIC Jeevan Tarun | 734 | Flexible child plan – choose how much money you want each year from age 20 to 24. |
Money Back Plans
A part of the sum assured comes back to you at regular intervals during the policy, while the full life cover continues. Good for planned expenses every few years.
| Plan | Plan No. | Best for |
|---|---|---|
| LIC New Money Back Plan (20 & 25 Years) | 720 / 721 | Get a part of your sum assured back every 5 years with full life cover. |
| LIC Bima Shree | 748 | High value money back plan for high net worth individuals. |
Whole Life & Income Plans
Life cover that lasts up to age 100 along with yearly income after the premium paying term – a guaranteed or bonus-linked “pension-like” income plus a legacy for the family.
| Plan | Plan No. | Best for |
|---|---|---|
| LIC Jeevan Umang | 745 | Whole life plan – yearly income of 8% of sum assured after premiums end, cover till age 100. |
| LIC Jeevan Utsav | 771 | Guaranteed whole life plan – lifelong income of 10% of sum assured every year. |
| LIC Jeevan Utsav Single Premium | 883 | Ask us for details |
Pension & Annuity Plans
Retirement plans that convert your savings into a regular pension – immediately or after a deferment period – for your lifetime (and optionally your spouse’s).
| Plan | Plan No. | Best for |
|---|---|---|
| LIC New Jeevan Shanti | 758 | Single premium deferred pension – invest once now, get guaranteed pension for life later. |
| LIC Jeevan Akshay VII | 857 | Immediate pension plan – pay a lump sum and pension starts right away. |
| LIC Saral Pension | 862 | IRDAI standard immediate pension plan with return of purchase price. |
| LIC Smart Pension | 879 | LIC’s newer immediate annuity plan with multiple pension options. |
| LIC New Pension Plus | 867 | Unit linked pension plan – build a retirement fund, then convert it into pension. |
| LIC New Jeevan Dhara-II (launched Oct 2026) | 892 | Ask us for details |
ULIP (Unit Linked) Plans
Market linked plans where your premium is invested in funds of your choice along with life cover. Returns depend on fund performance; a 5-year lock-in applies.
| Plan | Plan No. | Best for |
|---|---|---|
| LIC Index Plus | 873 | ULIP with index-based funds (Nifty 100 / Nifty 50) and life cover. |
| LIC Nivesh Plus | – | Single premium ULIP – invest a lump sum in market funds with life cover. |
Recently withdrawn plans
No longer available for new buyers (existing policies continue):
- LIC Bima Jyoti (Plan 760) – withdrawn in the financial year 2026-27
- LIC New Jeevan Amar (Plan 955) – withdrawn in the financial year 2026-27
Riders (add-on covers)
Riders can be added to many LIC plans for extra protection at a small cost:
- LIC’s Accident Benefit Rider
- LIC’s Premium Waiver Benefit Rider
- LIC’s Accidental Death & Disability Benefit Rider
- LIC’s New Term Assurance Rider
- LIC’s Linked Accidental Death Benefit Rider
- LIC’s Critical Illness Health Rider
- LIC’s Female Critical Illness Benefit Rider
Micro insurance & health plans
Not sure which plan to choose? Read Best LIC Policy 2026. New this year: see LIC new plans 2026 – Bima Platinum, Jeevan Raksha, New Bima Jyoti and New Cancer Cover.
LIC also offers micro insurance plans for low-income families. In October 2026 LIC launched two new health plans – Health Shield (Plan 907) and New Cancer Cover (Plan 908) – which give fixed benefits on hospitalisation and on diagnosis of cancer. Call us to know which of these suit you.
FAQs
Plan numbers as per LIC’s official plan lists on licindia.in. Plans can be modified or withdrawn by LIC; the latest brochure prevails.
Not sure which plan?
Apni details bhejiye – Vedpal Singh aapko call karke sahi plan batayenge.