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LIC's Jeevan Shiromani is a non-linked, money back life insurance plan. It has specifically been designed for High Net-worth Individuals (HNIs), NRIs, Businessmen, Merchant Navy Officers, Pilots and other High Salaried Individuals. The minimum Sum Assured under Jeevan Shiromani is Rs. 1 Crore. This plan provides a financial cushion to the family in case of the death of the policy holder. Typically, periodic payments are made to the policy holder during the policy term in addition to the lump sum payment at the end of the policy term. Moreover, policy holder is entitled to payment equivalent to 10% of Basic Sum Assured (BSA) in case any of the 15 specified Critical Illnesses is diagnosed. LIC Jeevan Shiromani is the only plan which comes with Critical Illness Rider inbuilt and policy holder does not need to buy it separately.
The pay back period for the policy is as under
After the payment of 5 full year premiums, the policy holder is eligible to receive loyalty additions at such rate that is announced by LIC. Such loyalty additions will also be considered while calculating Special Surrender Value.
The following riders are available with the plan
In case of any clarification, information or buy LIC Jeevan Shiromani Plan, please contact us at +91-9230091000.
| Jeevan Shiromani Premium Chart Sum Assured – Rs. 1 Crore |
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| PPT | 14/10 | 16/12 | 18/14 | 20/16 |
| Monthly | 91,458.00 | 76,875.00 | 66,250.00 | 58,958.00 |
| Quarterly | 2,74,375.00 | 2,30,625.00 | 1,98,750.00 | 1,76,875.00 |
| Half Yearly | 5,43,263.00 | 4,56,638.00 | 3,93,525.00 | 3,50,213.00 |
| Yearly | 10,75,550.00 | 9,04,050.00 | 7,79,100.00 | 6,93,350.00 |
| Jeevan Shiromani Benefit Illustration Sum Assured – Rs. 1 Crore |
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| PPT | 14/10 | 16/12 | 18/14 | 20/16 |
| Total Amount Paid | 1,07,55,500.00 | 1,08,48,600.00 | 1,09,07,400.00 | 1,10,93,600.00 |
| 1st Money Back | 30,00,000.00 | 35,00,000.00 | 40,00,000.00 | 45,00,000.00 |
| 2nd Money Back | 30,00,000.00 | 35,00,000.00 | 40,00,000.00 | 45,00,000.00 |
| Maturity | 1,14,00,000.00 | 1,20,50,000.00 | 1,27,50,000.00 | 1,34,50,000.00 |
| Total Returns | 1,74,00,000.00 | 1,90,50,000.00 | 2,07,50,000.00 | 2,24,50,000.00 |
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* This is just for illustration purpose for the person aged 30 years. Premiums may differ depending upon the age. GST, if applicable and riders, if chosen, will cost extra. |
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To check the list of critical illness covered, please visit https://rb.gy/nlyqsg
Watch the video for detailed explanation of LIC Jeevan Shiromani
