LIC of India

LIC e-Term Plan

Name: LIC e-Term Plan
Brand: LIC of India

Sum insured

₹25L – ₹5Cr

97.6%Claim ratio · FY2024-25

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Key features

LIC’s flagship pure-term plan
CSR 98.35% — highest among public-sector life insurers
Online buying, no agent commission
Cover up to 70 years of age
Tax benefits under Section 80C and 10(10D)

What’s included

Death benefit (lump sum to nominee)
Tax savings on premiums (80C)
Tax-free maturity (10(10D))

What’s excluded

Suicide within first policy year
Death due to participation in criminal activity
Pre-existing terminal illness not disclosed
War or nuclear contamination

Eligibility

Min age: 18 years
Max age: 65 years
Max entry age: 65 years
Covers: Self
Policy term: 10 / 20 / 30 years
Life cover: ₹25 Lakh – ₹5 Crore

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