Wealth Creation - LIC Plans

LIC Investment Plans

Calculate your returns and make informed investment decisions

SIIP (ULIP)

SPGM (Money Back)

LIC's Systematic Investment Plan Plus (SIIP)

"Combine market-linked growth with life insurance protection in this flexible ULIP plan!"

This unit-linked plan is perfect for investors who want:

✓ Market-linked returns through equity/debt fund options

✓ Life cover protection (Higher of 125% premiums or 7x annual premium)

✓ Flexibility to switch between funds based on market conditions

✓ Tax benefits under Section 80C and tax-free maturity under 10(10D)

Calculate your potential returns based on different scenarios:

SIIP (ULIP) Calculator

Annual Premium (₹)

Policy Term (Years)

Policyholder Age

Expected Annual Return (%) Conservative (8%) Moderate (10%) Aggressive (12%)

Projected Investment Growth

Year	Premium Paid	Fund Value
Total Premiums Paid
Estimated Maturity Value
Death Cover
XIRR (Approx.)

Note: Projections account for 4% allocation charge and 1.35% annual fund management charge. Actual returns may vary based on market performance.

LIC Single Premium Group Money Back Plan (SPGM)

"Get guaranteed periodic returns with a single premium payment and life cover protection!"

This money-back plan offers:

✓ Single premium payment - invest once and get multiple returns

✓ Guaranteed payouts at 3, 6, 9 years (15%, 20%, 25% of SA)

✓ Maturity benefit at 12 years (40% of SA + loyalty additions)

✓ Tax-free returns under Section 10(10D)

Calculate your expected returns from this guaranteed plan:

SPGM (Money Back) Calculator

Single Premium (₹)

Sum Assured (₹)

Policyholder Age

Expected Loyalty Addition (₹)

Guaranteed Benefits

Year	Benefit Type	Amount (₹)
Total Returns
Effective Annualized Return (XIRR)

Note: Loyalty additions are declared annually and may vary. Death benefit would be Sum Assured + accrued bonuses.

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