LIC SIIP Plan 752 Calculator
Unit Linked · Non-Participating · Regular Premium · Individual Life Insurance Plan
ULIP — Market-Linked Plan: LIC’s SIIP is a Unit Linked Insurance Plan. Returns depend on market performance of the chosen fund. The projected values at 4% and 8% are illustrative only as per IRDAI guidelines — actual fund value may be higher or lower. This calculator is for illustration and comparison only. Past performance is not a guarantee of future results.
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Premium, Mode, Age, Term, Fund Type & Channel
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Min: ₹42,000 (Yearly) | ₹21,000 (Half-Yearly) | ₹10,500 (Quarterly) | ₹3,500 (Monthly NACH)
Enter a valid premium instalment for the selected mode.
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BSA auto-determined: Age 0–54 → 10×AP | Age 55–65 → 7×AP | Max maturity age: 85 yrs
Basic Sum Assured (Auto): —
Age must be 0–65 years (max maturity age 85).
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Min 10 years. Max 25 years (subject to max maturity age of 85).
Policy term must be 10–25 years (maturity age ≤ 85).
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Maturity Projection Summary
Illustrative projections at 4% & 8% assumed gross returns (as per IRDAI guidelines)
Total Premiums to be Paid
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Basic Sum Assured (Auto-determined by Age)
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Total Guaranteed Additions
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Maturity Benefit @4% Gross (incl. Mortality Refund)
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Maturity Benefit @8% Gross (incl. Mortality Refund)
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Net Yield @8% (Customer IRR)
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Key Metrics
At-a-glance snapshot for this policy
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Annualized Premium
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Basic Sum Assured (Auto)
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Total Guaranteed Additions
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Projected Maturity @8%
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Net Yield @8%
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Mortality Charge Refund
Guaranteed Additions & Policy Charges
Milestone additions credited to Unit Fund; charges as per policy terms
Fund Value Growth Projection
Projected Fund Value @4% and @8% vs Cumulative Premium Paid
Year-wise Benefit Illustration
Projected fund value and death benefit at 4% and 8% assumed gross returns
| Year | Age | Cum. Premium (₹) | Guaranteed Addition (₹) | @ 4% Gross Return | @ 8% Gross Return | ||
|---|---|---|---|---|---|---|---|
| Fund Value (₹) | Death Benefit (₹) | Fund Value (₹) | Death Benefit (₹) | ||||
Disclaimer: This calculator is for illustration purposes only. LIC’s SIIP Plan 752 is a Unit Linked Insurance Plan (ULIP) — returns are market-linked and not guaranteed. The projected values at 4% p.a. and 8% p.a. gross returns are illustrative as mandated by IRDAI and do not represent minimum or maximum returns. Charges include: Premium Allocation Charge (with 18% GST), Fund Management Charge of 1.35% p.a. (embedded in NAV), Policy Administration Charge from Year 6 (₹150/month escalating 5% p.a., max ₹500/month, with 18% GST), and Mortality Charge (with 18% GST). Basic Sum Assured is automatically determined by entry age: Age 0–54 years → 10×Annualized Premium; Age 55–65 years → 7×Annualized Premium. Guaranteed Additions are credited only if the policy is in-force and all due premiums have been paid. Refund of Mortality Charges is payable on maturity if policy is in-force with all premiums paid — excludes extra charges and GST. Partial withdrawal allowed after 5-year lock-in. This calculator does not account for partial withdrawals, rider charges, or discontinuance. Consult LIC or visit licindia.in for personalised projections. LIC’s SIIP — Plan No. 752 (UIN: 512L334V02).
Mohibul Islam
LIC Agent & Web DeveloperMohibul Islam is an LIC agent with 7+ years of experience. He also works in web development and blogging. He creates simple tools on LIC Plan Calculator to help people understand LIC plans, calculate benefits, and make better financial decisions easily. Read More About »