LIC Calculator
Updated July 2026
Estimate what an endowment-style policy returns. Worth doing honestly: traditional insurance-cum-investment plans typically deliver low single-digit returns, which is why term insurance plus a separate investment is often the better structure.
LIC Calculator
Frequently Asked Questions
What return do LIC endowment policies give?
Typically in the low single digits annually — well below equity or even PPF. They bundle modest insurance with modest investment, and do neither optimally.
Is LIC maturity tax-free?
Maturity proceeds are generally exempt where the premium stays within the prescribed proportion of sum assured. High-premium policies may not qualify — check the current threshold.
Term plan or endowment?
For most people, term insurance plus a separate investment gives far more cover and better returns for the same outlay. Endowment suits those who want forced savings and guarantees.