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LIC's Jeevan Dhara II

Deferred annuity with guaranteed rates

A deferred annuity plan where the annuity rate is locked at purchase and income begins after the deferment period you choose.

Who it suits: People in their 40s and 50s planning a fixed retirement income.

  • Endowment
  • Deferred annuity with guaranteed rates
  • Maturity Benefit

LIC plan reference: 872

LIC LIC's Jeevan Dhara II endowment plans illustration

Eligibility at a glance

Entry age
20 to 80 years
Maturity age
Up to 75 years (plan dependent)
Sum assured
Based on purchase price
Policy term
Deferment of 5 to 15 years
Premium modes
Yearly, half-yearly, quarterly, monthly (NACH) and salary savings scheme

Key benefits

  • Annuity rates guaranteed at inception
  • Eleven annuity options including joint life
  • Liquidity option to withdraw a part of the purchase price
  • Higher annuity rates for large purchase prices

Estimate your LIC's Jeevan Dhara II premium and maturity value

LIC Premium & Maturity Calculator

Estimates from publicly published LIC rate tables. Not a quotation.

Yearly premium
₹1,10,739
First instalment
₹1,10,739
Renewal instalment
₹1,10,739
Total outgo over the term
₹11,07,392
Estimated maturity value
₹15,80,000
Indicative surrender value (mid-term)
₹2,07,636
Get an exact LIC quotation

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 Jeevan Dhara II:

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 Jeevan Dhara II

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 Jeevan Dhara II 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.