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LIC Jeevan Saral Plan 165 Calculator – Estimate Your Maturity Value & Death Benefit
Are you a policyholder or planning to invest in LIC’s trusted savings-cum-insurance product? Understanding your plan’s potential returns is key. The LIC Jeevan Saral Plan 165 Maturity Calculator helps you estimate your maturity amount, sum assured, loyalty additions, and death benefit using just a few basic inputs.
What is LIC Jeevan Saral Plan 165?
LIC’s Jeevan Saral (Plan No. 165) is a flexible, non-linked endowment plan offering a unique blend of protection and savings. This plan is especially popular among salaried individuals looking for liquidity, risk cover, and tax savings in a single product.
Key Features:
- Entry Age: 12 to 60 years
- Policy Term: 10 to 35 years
- Minimum Monthly Premium: ₹250 (in multiples of ₹50)
- Loyalty Additions: Eligible from the 10th policy year
- Tax Benefits: Section 80C & 10(10D)
Why Use Our LIC Jeevan Saral Maturity Calculator?
Manually calculating LIC maturity values can be tricky due to variable loyalty additions and age-based sum assured. Our online calculator for LIC Jeevan Saral Plan 165 eliminates the guesswork by estimating:
- Total Premium Paid
- Sum Assured
- Loyalty Addition (estimated)
- Maturity Amount
- Death Benefit
This tool is based on official LIC brochures and previous bonus trends. It is not an official LIC tool, but highly accurate for estimation.
How to Use the LIC Jeevan Saral Plan 165 Calculator
Step-by-Step Guide:
- Enter your age at entry (between 12 and 60 years).
- Choose your premium amount (starting from ₹250).
- Select premium frequency: Monthly, Quarterly, Half-Yearly, or Yearly.
- Enter your desired policy term (10 to 35 years).
- Input your expected sum assured (min ₹10,000).
- Click on Calculate to view the results instantly.
What Your Results Include:
- Total Premium Paid: Full investment across the policy term
- Sum Assured: Guaranteed payout on maturity or death
- Loyalty Additions: Non-guaranteed bonuses based on LIC performance
- Maturity Amount: Sum Assured + Loyalty Additions
- Death Benefit: 250 × monthly premium + bonuses (if any)
LIC Jeevan Saral Plan 165 Example Calculation
- Age at Entry: 30 years
- Policy Term: 20 years
- Monthly Premium: ₹500
- Sum Assured: ₹1,25,000 (example)
- Loyalty Additions: ₹20,000 (estimated)
- Maturity Value: ₹1,45,000 (approx)
- Death Benefit: ₹1,45,000 (approx)
Online Calculator vs LIC Jeevan Saral Excel Sheet
Many users look for LIC Jeevan Saral Plan 165 Maturity Calculator Excel, but using spreadsheets can be time-consuming and error-prone. This web-based calculator is faster, more accurate, and optimized for mobile and desktop — no downloads required.
Maximize Returns from Jeevan Saral Policy
To get the most out of your LIC Jeevan Saral policy:
- Choose longer policy terms for higher loyalty additions
- Prefer annual payment to save on premium mode charges
- Avoid lapses to retain bonus eligibility and policy benefits
Final Thoughts
LIC Jeevan Saral (Plan 165) is a solid insurance cum investment product. If you're planning your savings or retirement corpus, using a LIC Jeevan Saral Maturity Calculator gives you clarity on your expected returns.
Start calculating your LIC Jeevan Saral maturity value today with our free online tool.