Plan 849LIC's Nivesh Plus
Single premium unit linked investment
- Single premium, four fund choices
- Guaranteed additions on the single premium
- Switching between funds allowed
- Partial withdrawal after five years
LIC's Index Plus
Index-linked funds with guaranteed additions
A unit linked plan investing in index-tracking funds, with guaranteed additions credited as a percentage of annualised premium from year six.
Who it suits: Investors who want equity index exposure inside a life policy.
- Unit Linked (ULIP)
- Index-linked funds with guaranteed additions
- Maturity Benefit
LIC plan reference: 873
Eligibility at a glance
- Entry age
- 90 days to 60 years
- Maturity age
- Up to 75 years (plan dependent)
- Sum assured
- 7 to 10x annualised premium
- Policy term
- 10 to 25 years
- Premium modes
- Yearly, half-yearly, quarterly, monthly (NACH) and salary savings scheme
Key benefits
- Index-linked fund options
- Guaranteed additions from the sixth policy year
- Four free switches each year
- Partial withdrawals after the five-year lock-in
Estimate your LIC's Index Plus 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
- ₹18,000
- Estimated maturity value
- ₹11,20,000
- Indicative surrender value (mid-term)
- ₹3,840
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 LIC's Index Plus:
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 expect market-linked returns; participating LIC returns are steadier but more modest.
- Your income is irregular and you cannot commit to the full premium paying term.
Frequently asked questions
Get advice on LIC's Index Plus
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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This page describes LIC's Index Plus 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.