LIC Bima Jyoti plan


LIC Bima Jyoti Plan not only guarantees financial security but also offers peace of mind. With the assurance of a substantial life cover, you can embrace each day with confidence, knowing that your family’s dreams and aspirations are safeguarded. This plan empowers you to live life to the fullest, secure in the knowledge that your loved ones’ future is in reliable hands.

Also read LIC ઓનલાઇન પ્રીમિયમ ચુકવણી

Benefits of LIC Bima Jyoti plan

The following benefits are available with LIC Bima Jyoti plan 860:

  1. Death Benefit:
    In case the insured individual dies during the tenure of an active policy, the sum assured amount is received by the appointed nominee. This amount is referred to as the death benefit.

    1. If death takes place during the term of the policy, before the date of commencement of risk, the death benefit would comprise of – Return of premiums that have been paid (excluding the taxes), extra premium, and the rider premium, if opted for
    2. However, if death takes place during the term of the policy, but after the date of commencement of risk, the death benefit would be: Sum Assured on death, which is either 125% of the Basic Sum Assured or 7 times the annualized premium.
      Along with the sum assured, the Accrued Guaranteed Returns would also be paid out
  2. Maturity Benefit:
    In case the insured individual outlives the tenure of an active policy, and survives the stipulated maturity date, he/ she would receive the Sum Assured on maturity which includes the guaranteed additions.
  3. Guaranteed Additions:
    Guaranteed additions at the rate of INR 50 per thousand Basic Sum Assured would be added to the policy at the end of every policy year.

Also read LIC 5 વર્ષ માટે યોજનાઓ

Eligibility Criteria of LIC Bima Jyoti

Parameters Minimum Maximum
Sum Assured Rs.1 lakh No limit
Entry Age Completion of 90 days 60 years
Maturity Age Completion of 18 years 75 years
Policy Term (PT) 15 – 20 years
Premium Paying Term (PPT) PT minus 5 years


Installment Payment Mode Minimum Amount of Instalment (in Rs.)
Yearly 50,000
Half-yearly 25,000
Quarterly 15,000
Monthly 5,000


Also read ટ્રેન અત્યારે કેટલે છે અને આગળના સ્ટેશન પર કેટલા ટાઈમમાં પહોંચશે તે લાઈવ જાણો 

Key Features and Benefits

1. Enhanced Protection

The LIC Bima Jyoti Plan takes protection to the next level. It provides a comprehensive life cover that ensures your family’s financial stability, even in the most challenging times. With this plan, you can rest assured that your loved ones will be able to maintain their standard of living, no matter what the future holds.

2. Guaranteed Returns

One of the standout features of the LIC Bima Jyoti Plan is its guaranteed returns. As a policyholder, you are entitled to receive a lump sum amount at the end of the policy term. This not only serves as a financial cushion but also allows you to fulfill your long-term goals and aspirations.

3. Flexibility and Freedom

Life is dynamic, and your insurance plan should be no different. The LIC Bima Jyoti Plan offers flexibility in terms of premium payment and policy tenure. This adaptability ensures that the plan aligns with your changing needs and circumstances, providing you with a sense of financial freedom.

4. Tax Benefits

Beyond its core offerings, the LIC Bima Jyoti Plan provides attractive tax benefits, making it a wise financial choice. The premiums you pay towards the plan are eligible for tax deductions under Section 80C of the Income Tax Act, 1961. This feature adds an extra layer of financial advantage, enhancing the overall value of the plan.


Mode Rebate
Mode Rebate
Yearly 2%
Half-yearly 1%
Quarterly and Monthly NA


Also read ભારત સરકારના વાહન વ્યવહાર વિભાગ દ્વારા લોન્ચ કરવામાં આવી નવી સુવિધા 🚘 બાઇક અથવા કારનો નંબર નાખો અને જાણો માલિકની સંપૂર્ણ વિગત



How To Buy LIC Plans from Policybazaar?

Step 1: To buy LIC Bima Jyoti, visit LIC of India

Step 2: Fill in the form with your name and contact number

Step 3: Next, fill in your age and current city

Step 4: Once done, on the next page you can check the plans available and customize the amount and period for your investments

Step 5: Choose the plan, and pay your premiums online.

Note: Policybazaar also provides door-to-door advisors to resolve your queries.



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