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LIC Term insurance policy is primarily for protection only. In this plan, your nominee will get the entire Sum assured if death occurs within the policy term and nothing is payable on maturity. So if nothing happens to you till the maturity period of the plan, nothing will be returned.

Plan :Amulya Jeevan(823)

Product Summary :
LIC Amulya Jeevan 2 plan number 823 is a regular premium paying conventional without profit pure protection plan.

Premium Payment Mode:
Yearly, Halfly

Term :
5 to 35 Years

Minimum Entry Age :
18 Years (Completed)

Maximum Entry Age :
60 Years (Nearest Birthday)

Minimum Sum Assured :

Maximum Sum Assured :

Policy Benefits :

On Death :
On death of the Life Assured during the policy term Sum Assured shall be payable.

On Survival :
On survival to the end of the policy term,no benefits shall be payable.

Surrendered Value :
No surrender value will be available under this plan.

Loan :
No loan will be granted under this plan.

Income Tax Benefit :
• Premium paid under this plan is eligible for TAX rebate under section 80c.

Basic Features & Benefits of LIC Term Plans
The oldest and the most trustworthy insurer in India in the public sector
Flexible options in insurance pertaining to term, cover amount and premium payment
Customers can buy selected plans online in the comfort of their homes
Customers can avail of certain tax benefits under relevant sections of the IT Act, 1961
Some plans can be converted to other plans offered by LIC

Why choose LIC Term Insurance Plan?
There are many reasons why LIC is a good choice for term insurance policies. These reasons are:

It has the best claims settlement ratio of over 98%. This means that it successfully settle 98% of the claims
It has insurance plans that can be bought online. This means that easier to ensure that you are covered.

Exclusions of LIC Term Plan:
Every insurance policy, including term insurance policies, has certain conditions under which claims will not be entertained. These conditions are known as exclusions. The main exclusion that applies to the policies issued by LIC relates to suicide committed by the policyholder. In such a case, if the policy is less than 12 months old then LIC will not pay anything to the beneficiary. If it is more than 12 months old then they will pay 80% of the premiums paid to the beneficiary and not entertain any claims for the sum assured.

LIC Amulya Jeevan is a pure term insurance policy for high sum assured which is primarily for protection only. In this plan, if the Life Insured dies, the nominee will get the entire Sum assured but nothing is payable on maturity. This product is only for high sum assured requirements.


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Hello everyone
I am Sanket Rastogi, working as an Independent financial advisor. I provide wealth management and financial advisory services​.
I have started to offer Independent Financial Advisory Services which would enable Individuals/Corporate Investors (big or small) in investing their hard earned money in mutual funds and insurance.
Benefits of mutual funds are as follows:
1. Tax benefits (80c)
2. No tax at the time of redemption in equity based Mutual funds.
3. Better return in comparison to other financial products
4. Professionally managed
5. Regulated by SEBI
6. Affordable portfolio diversification
7. Liquidity
8. Convenient investment option through lumpsum and SIP.
9. SIP amount starts from INR 500/month.
10. Power of compounding.

I also help people and my clients in providing the best Life insurance (LIC), General insurance ( National Insurance ) and best/ suitable health insurance (Star Health insurance ). Tax benefits are also available in insurance.

You can also follow me on my Facebook page

Sanket Kumar Rastogi
Independent Financial Advisor
Call/WatsAp: 9971291421

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