LIC's Bima Jyoti (Plan 760) Calculator
Estimate Guaranteed Returns & Benefits for LIC's Bima Jyoti Plan.
Note: Premium calculations are estimates based on sample data & rebates. Actual premiums vary based on age, health, underwriting. GST rates (4.5% 1st Yr, 2.25% thereafter) are indicative.
CHOOSE A PLAN (Premiums Estimated, incl. GST)
Bima Jyoti plan presentation prepared for you.
Yearly
₹ 0
Base+Rebate: ₹ 0
GST (4.5%): ₹ 0
Total: ₹ 0
GST (4.5%): ₹ 0
Total: ₹ 0
Half Yearly
₹ 0
Base+Rebate: ₹ 0
GST (4.5%): ₹ 0
Total: ₹ 0
GST (4.5%): ₹ 0
Total: ₹ 0
Quarterly
₹ 0
Base+Rebate: ₹ 0
GST (4.5%): ₹ 0
Total: ₹ 0
GST (4.5%): ₹ 0
Total: ₹ 0
Monthly (NACH)
₹ 0
Base+Rebate: ₹ 0
GST (4.5%): ₹ 0
Total: ₹ 0
GST (4.5%): ₹ 0
Total: ₹ 0
Premium includes estimated rebates & GST. First Year GST Rate: 4.5%, Second Year onwards: 2.25%.
CALCULATION DETAILS
| Basic Sum Assured (BSA): | |
| Age at Entry: | |
| Policy Term (PT): | |
| Premium Paying Term (PPT): | |
| Guaranteed Additions Rate: | |
| Sum Assured on Death (SAD): | |
| Selected Premium Mode: | |
| Estimated Annual Premium (Base): |
Optional Riders Available (Not Calculated): Accidental Death & Disability Benefit, Accident Benefit, New Term Assurance, Premium Waiver Benefit. T&C Apply.
MATURITY BENEFIT (ON SURVIVAL) Guaranteed
| Basic Sum Assured | Total Guaranteed Additions | Total Maturity Benefit |
|---|---|---|
Maturity value on Survival = Basic SA + Total Accrued Guaranteed Additions. Benefits are guaranteed by LIC for inforce policies.
DEATH BENEFIT FOR NOMINEE Guaranteed
| Sum Assured on Death (SAD): | |
| + Guaranteed Additions (Accrued): | Depends on Year of Death |
| Total Payable (Natural Death): |
Death Benefit = SAD + Accrued GAs. Minimum Death Benefit is 105% of total premiums paid. Risk commencement rules & tax conditions apply (Sec 10(10D)).
Year-wise Guaranteed Benefits
▼| End of Year | Age | Cumulative Premium (Approx. ₹) | Guaranteed Addition (₹) | Total Guaranteed Additions (₹) | Guaranteed Death Benefit (Approx. ₹) | Guaranteed Maturity Benefit (₹) |
|---|
Premiums are estimates incl. rebates & GST. Death Benefit shown = SAD + Total Guaranteed Additions till that year. Surrender/Loan values are not shown but calculated based on policy T&C.
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