LIC Yuva Term Plan 875 Calculator

LIC Yuva Term Plan 875 | Non-Par, Non-Linked, Pure Risk Plan | BSA ₹50L–₹5Cr | Ages 18–45 | Policy Term 15–40 years | Choose Level Sum Assured (flat cover) or Increasing Sum Assured (cover doubles by Year 15). This plan is available through LIC agents, corporate agents, brokers and insurance marketing firms. Sample premiums are for Non-Smoker, Male, Policy Term 20 years.

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LIC Yuva Term Plan 875 Premium Calculator

Non-Par, Non-Linked Pure Risk Plan • Ages 18–45 • BSA ₹50 Lakh to ₹5 Crore • Offline Purchase

Age at Entry

yrs

Last birthday. Minimum 18, Maximum 45 years.

Basic Sum Assured (₹)

₹

₹50L to ₹5Cr. Steps: ₹1L (50–75L) | ₹25L (75L–1.5Cr) | ₹50L (1.5–4Cr) | ₹1Cr (above 4Cr).

Policy Term

yrs

15–40 years (max maturity age 75). Min 20 yrs for Limited 15 PPT. Increasing SA has lower max PT at higher ages.

Gender Female premium is lower; this calculator uses published Male rates as reference.

Death Benefit Option Option I: Death cover equals Basic Sum Assured and remains constant throughout the policy term.

Premium Payment Term Regular Pay: premium paid every year throughout the policy term. Min Policy Term 15 years.

Premium Mode

Smoker Status Non-Smoker rates confirmed by Urinary Cotinine test. Smoker rates are significantly higher.

Non-Smoker Smoker (indicative)

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Premium Summary

All amounts inclusive of 18% GST • Premiums are indicative based on brochure sample rates (PT 20 yrs)

Yearly — excl. GST: —

Half-Yearly — per instalment (incl. GST)

Single Premium — one-time payment (incl. GST)

📋 — Annual Premium (excl. GST)

🛡 — Year 1 Death Cover

💸 — Total Premium Paid (incl. GST)

📈 — Death Cover at Maturity

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Death Benefit Schedule

Year 1 Absolute Death Cover —

Year 10 Death Cover (1.5× BSA) —

Year 15+ Death Cover (2× BSA) —

Sum Assured on Death (Year 1) —

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Year-wise Death Cover vs Cumulative Premium

Visual comparison of life protection (death cover) against total premium outflow over the policy term

Death Cover (₹) Cumulative Premium (₹)

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Year-wise Premium & Death Cover Schedule

Annual breakdown of premium outflow and death cover with Sum Assured on Death each year

Year	Age	Annual Premium (₹)	Cumul. Premium (₹)	Absolute Cover (₹)	SA on Death (₹)

Disclaimer: This calculator provides indicative premium estimates based on sample rates published in the LIC Yuva Term Plan 875 brochure for Non-Smoker, Male, BSA ₹50 Lakh, Policy Term 20 years. Actual premiums vary by policy term, gender (female rates are lower), smoker status, and medical underwriting. GST at 18% is included. ‘Sum Assured on Death’ reflects the highest of (a) 7× Annualised Premium, (b) 105% of Total Premiums Paid, or (c) Absolute Death Cover, for Regular/Limited pay; or higher of 125% of Single Premium or Absolute Death Cover for Single pay. This tool is for illustrative purposes only — contact your LIC agent or visit licindia.in for an exact quotation.

Mohibul Islam

LIC Agent & Web Developer

Mohibul 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 »

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