---
type: "tool"
title: "LIC Calculator"
description: "Estimate LIC policy maturity value from premium, term and expected bonus. See what an endowment policy actually returns."
resource: "https://www.gstcalculators.in/lic-calculator.html"
language: "en"
bundle_generated: "2026-10-12"
---

# LIC Calculator

Estimate LIC policy maturity value from premium, term and expected bonus. See what an endowment policy actually returns.

- Canonical page: [LIC Calculator](https://www.gstcalculators.in/lic-calculator.html)
- Publisher: [Tool Master Hub / GSTCalculators.in](../site.md)
- Category: [Investment and Savings Calculators](../categories/invest.md)

This is a discovery summary of the public page, not an independently reviewed replacement. Use the canonical page for current inputs, assumptions, formulas, source links and results. The bundle generation date does not mean that tax rules were reviewed on that date.

## Topics on the page



## Questions and answers from the visible page

### 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.

## Accuracy and corrections

[Methodology](https://www.gstcalculators.in/methodology.html) · [Editorial policy](https://www.gstcalculators.in/editorial-policy.html) · [Disclaimer](https://www.gstcalculators.in/disclaimer.html) · [Report a problem](https://www.gstcalculators.in/contact.html).