Quantum LIC Premium Calculator

Advanced calculation with interactive visualization and predictive analysis

Sum Assured (₹)

₹

₹10K ₹25L ₹50L

Policy Term (Years)

5 15 30

Bonus Rate

10 50 100

Annual Premium (₹)

₹

Premium cannot exceed sum assured

High premium amount compared to sum assured

Payment Mode

Advanced Options

LIC Bonus Rates

Current LIC bonus rates range from ₹40-₹50 per ₹1000 sum assured for most policies.

Maturity Value

₹0

Total amount you'll receive at policy maturity

TAX FREE

Bonus Earnings

₹0

Total bonus accumulated over policy term

COMPOUNDED

Premium Frequency

₹0

Select payment mode

FLEXIBLE

Yearly Breakdown

Comparison

Features

Year	Premium Paid	Bonus Earned	Total Value
Total	₹0	₹0	₹0

Policy Start

Your policy begins with first premium payment. Coverage starts immediately.

Year 5

After 5 years, your policy acquires a surrender value and becomes eligible for loans.

Maturity

Policy matures and you receive the sum assured plus accumulated bonuses.

Compare your policy with other investment options

Life Coverage

LIC provides life coverage throughout the policy term, unlike other investments.

Tax Benefits

Premiums qualify for tax deductions under Section 80C, maturity benefits under Section 10(10D).

Loan Facility

After 3 years, you can avail loans against your policy at competitive rates.

Instant Calculations

Get immediate projections with our advanced calculation engine.

Visual Analytics

Interactive charts help you understand your policy growth.

Fully Responsive

Works perfectly on all devices from desktop to mobile.

Share Results

Easily share your calculations with family or advisor.

Why Choose Our Calculator?

Advanced Algorithm

Uses LIC's latest bonus rates and calculation methods for accurate projections.

Privacy Focused

All calculations happen in your browser - your data never leaves your device.

Real-time Updates

See results instantly as you adjust parameters with interactive sliders.

Educational

Learn how LIC policies work through detailed breakdowns and explanations.

Disclaimer: This calculator provides estimates based on the information you provide and current LIC bonus rates. Actual policy values may vary based on LIC's declared bonus rates and other factors. This is not an official LIC calculator but an independent tool for estimation purposes.