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 Whole Life Plans
Lifelong cover with survival income, designed to pass wealth on to the next generation.
Explore all 3 LIC whole life plans with premium estimates, benefits, eligibility, policy terms and side-by-side comparisons — explained by a licensed advisor serving Mumbai, Navi Mumbai and Thane.
All LIC whole life plans
Plan 945Plan 871LIC's Jeevan Utsav
Whole life cover with guaranteed additions
- Guaranteed additions of ₹40 per ₹1,000 sum assured per year
- Regular income or flexi income option
- Whole life protection
- Loan facility after the first policy year
Plan 947LIC's Jeevan Shiromani
High sum assured plan for HNI buyers
- 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
Compare whole life plans at a glance
| Plan | Entry age | Policy term | Key benefit | Ideal for | Tools |
|---|---|---|---|---|---|
| LIC's Jeevan Umang | 90 days to 55 years | Cover to age 100 | 8% of basic sum assured paid every year for life | Buyers who want a pension-like income without giving up life cover. | Calculate · Compare |
| LIC's Jeevan Utsav | 90 days to 65 years | Whole life | Guaranteed additions of ₹40 per ₹1,000 sum assured per year | Long-horizon buyers who want lifelong cover and lifelong income. | Calculate · Compare |
| LIC's Jeevan Shiromani | 18 to 55 years | 14, 16, 18 or 20 years | Minimum sum assured of ₹1 crore | High net worth individuals and business owners insuring large liabilities. | Calculate · Compare |
Not sure which whole life plan fits?
Send your age, budget and goal. You will get an honest recommendation — including when the answer is that none of these suit you.
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