Disclaimer: This calculator provides simplified estimations for maturity & annualized return (IRR). Maturity assumes consistent bonus rates. IRR is calculated based on the estimated maturity value and assumes premiums are paid for the full policy term. It doesn't account for Guaranteed Additions, Loyalty Additions, or specific plan features. Actual benefits & returns depend on LIC's performance, declared rates, and exact policy terms. **Consult LIC or your agent for accurate illustrations.**