LIC Accidental Death and Disability Benefit Rider (Plan No. UIN 512A234): Full Guide, Eligibility & Premium

Accidental Death and Disability Benefit Rider belongs to LIC's riders family. In one line: extra payout and income after an accident

Eligibility at a glance — entry age 18 to 70 years; sum assured Up to the base sum assured; policy term Same as base plan. Anything outside those bands will simply not be issued, so check them before you plan the premium.

What the plan actually gives you: Additional benefit on accidental death Disability benefit paid in instalments over 10 years Future premiums waived after disability Low additional premium Those are the contractual features; bonus or market-linked components, where they apply, are declared by LIC each year and are not guaranteed in advance.

Who it suits: Anyone who commutes daily or works in the field. If that does not describe your situation, there is usually a better-fitting plan in the same family, and it costs nothing to ask.

Before you sign, run Accidental Death and Disability Benefit Rider through the premium calculator on this site with your own age, sum assured and term. Seeing the yearly outgo next to the projected maturity value is the fastest way to know whether the plan fits your cash flow — and the fastest way to spot a mis-sold recommendation.

Buying, servicing and claiming are three different jobs. We help with all three free of charge, including for policies you bought elsewhere, from our office at Fort, Mumbai and online across India.