Plan 945LIC's Jeevan Umang
Annual survival income up to age 100
- 8% of basic sum assured paid every year for life
- Cover continues to age 100
- Maturity payout with bonuses at age 100
- Premium paying terms of 15, 20, 25 or 30 years
LIC's Jeevan Shiromani
High sum assured plan for HNI buyers
A money-back plan for high value cover with guaranteed additions, an inbuilt critical illness benefit and premium waiver features.
Who it suits: High net worth individuals and business owners insuring large liabilities.
- Whole Life
- High sum assured plan for HNI buyers
- Maturity Benefit
LIC plan reference: 947
Eligibility at a glance
- Entry age
- 18 to 55 years
- Maturity age
- Up to 75 years (plan dependent)
- Sum assured
- ₹1,00,00,000 and above
- Policy term
- 14, 16, 18 or 20 years
- Premium modes
- Yearly, half-yearly, quarterly, monthly (NACH) and salary savings scheme
Key benefits
- Minimum sum assured of ₹1 crore
- Inbuilt critical illness benefit
- Guaranteed additions during the premium paying term
- Survival benefits in the last four policy years
Estimate your LIC's Jeevan Shiromani premium and maturity value
LIC Premium & Maturity Calculator
Estimates from publicly published LIC rate tables. Not a quotation.
- Yearly premium
- ₹9,96,086
- First instalment
- ₹9,96,086
- Renewal instalment
- ₹9,96,086
- Total outgo over the term
- ₹1,59,37,382
- Estimated maturity value
- ₹1,92,00,000
- Indicative surrender value (mid-term)
- ₹29,88,259
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 Shiromani:
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 Shiromani
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.
5th Floor, Jeevan Prakash Building, Sir P.M. Road, Fort, Mumbai - 400001, Maharashtra · Mon–Fri, 10:00 AM – 6:00 PM · IRDAI Agent Licence No. LIC03699923
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- Loan facility after the first policy year
This page describes LIC's Jeevan Shiromani 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.