Plan UIN 512B203Accident Benefit Rider
Doubles the payout on accidental death
- Accidental death benefit equal to the rider sum assured
- Available with most savings plans
- Nominal premium
- Can be added at inception or on a policy anniversary
Accidental Death and Disability Benefit Rider
Extra payout and income after an accident
Pays an additional sum equal to the rider sum assured on accidental death, and provides instalment relief plus premium waiver on permanent disability.
Who it suits: Anyone who commutes daily or works in the field.
- Riders
- Extra payout and income after an accident
- Pure Protection
LIC plan reference: UIN 512A234
Eligibility at a glance
- Entry age
- 18 to 70 years
- Maturity age
- Up to 75 years (plan dependent)
- Sum assured
- Up to the base sum assured
- Policy term
- Same as base plan
- Premium modes
- Yearly, half-yearly, quarterly, monthly (NACH) and salary savings scheme
Key benefits
- Additional benefit on accidental death
- Disability benefit paid in instalments over 10 years
- Future premiums waived after disability
- Low additional premium
Estimate your Accidental Death and Disability Benefit Rider premium and maturity value
LIC Premium & Maturity Calculator
Estimates from publicly published LIC rate tables. Not a quotation.
- Yearly premium
- ₹1,200
- First instalment
- ₹1,200
- Renewal instalment
- ₹1,200
- Total outgo over the term
- ₹24,000
This is a pure risk plan — there is no maturity or surrender value.
Figures exclude underwriting loading and high sum assured rebates. Bonus-linked maturity values are projections, not guarantees.
Want an exact LIC illustration?
Your estimate is ready. For an official quotation and a suitability discussion on Accidental Death and Disability Benefit Rider:
This plan may not be ideal if…
- You need the maximum possible life cover for the lowest premium — a term assurance plan does that better.
- You may need the money back within the first few years; early surrender values are low.
- You want a maturity payout — this plan pays only on death during the term.
- Your income is irregular and you cannot commit to the full premium paying term.
Frequently asked questions
Get advice on Accidental Death and Disability Benefit Rider
Send your age and budget and you will get an official LIC quotation plus an honest view on whether this plan is the right fit.
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Top up the death benefit cheaply
- Increases the total death benefit at term rates
- No maturity value for the rider portion
- Single documentation with the base policy
- Cost-effective way to raise cover
Plan UIN 512B210New Term Assurance Rider
Updated top-up cover
- Revised, competitive rider rates
- Attachable to most regular premium plans
- Death benefit only, no survival value
- Simple underwriting alongside the base plan
Plan UIN 512B204Premium Waiver Benefit Rider
Keeps a child's policy alive
- Future premiums waived on the proposer's death
- Optional cover for permanent disability
- Policy benefits continue unchanged
- Essential on every child plan
This page describes Accidental Death and Disability Benefit Rider in our own words, based on LIC's published product literature. For the binding terms, always refer to the official policy document issued by Life Insurance Corporation of India.