⭐ Bima Jyoti – 760

LIC Bima Jyoti (Plan No. 760) is a modern, non-linked, non-participating endowment plan that focuses on one clear promise — guaranteed returns with life protection. Unlike traditional bonus-based plans, Bima Jyoti offers fixed guaranteed additions every policy year, making it one of the most predictable savings plans from LIC.

This plan is specially designed for individuals who prefer certainty, transparency, and zero market risk. From the first year itself, the policyholder knows exactly how much money will be accumulated at maturity, making financial planning easy and stress-free.

Key Features of LIC Bima Jyoti – 760

• Guaranteed Additions: ₹50 per ₹1,000 Sum Assured added every policy year, ensuring steady growth.
• Guaranteed Maturity Benefit: Sum Assured + total guaranteed additions payable at maturity.
• Life Insurance Protection: Financial security for family throughout the policy term.
• Non-Market Linked: Returns are completely safe from stock market fluctuations.
• Transparent Structure: No bonus dependency, no uncertainty — fixed benefits.
• Flexible Premium Payment: Choose premium terms of 5, 7, or 10 years.
• Loan Facility: Loan available once the policy acquires surrender value.
• Tax Benefits: Premium under Section 80C, maturity under Section 10(10D).
• LIC Trust: Backed by India’s most trusted life insurer.

Benefits of LIC Bima Jyoti

✔ 100% Predictable Returns: From day one, you know exactly how much your policy will pay at maturity.

✔ Guaranteed Wealth Creation: Fixed additions every year ensure steady growth without risk.

✔ Strong Life Cover: Ensures financial protection for your family in case of death.

✔ Ideal for Goal-Based Planning: Perfect for education, retirement, home purchase, or wealth creation.

✔ Zero Market Stress: Suitable for conservative investors who dislike volatility.

Examples & Calculations

Let us understand how Bima Jyoti – 760 works with a clear and realistic example.

• Age at Entry: 35 years
• Policy Term: 20 years
• Premium Paying Term: 10 years
• Sum Assured: ₹10,00,000
• Annual Premium (Approx): ₹95,000 – ₹1,00,000

Guaranteed Additions Calculation:
₹50 per ₹1,000 SA × 1,000 = ₹50,000 per year
₹50,000 × 20 years = ₹10,00,000

Total Premium Paid:
₹98,000 × 10 years = ₹9,80,000 (approx)

Maturity Benefit:
Sum Assured: ₹10,00,000
+ Guaranteed Additions: ₹10,00,000
Total Maturity Amount: ₹20,00,000

This means an investment of around ₹9.8 lakhs results in a guaranteed maturity of ₹20 lakhs, without any market risk.

Death Benefit Scenario:
If the policyholder dies during the policy term, the nominee receives the death benefit as per policy conditions, ensuring full financial protection for the family.

Premium figures are indicative and depend on age, term, and sum assured.

Who Should Buy LIC Bima Jyoti?

✔ Individuals who want guaranteed returns

✔ Investors avoiding market-linked products

✔ Parents planning future financial goals

✔ Professionals seeking disciplined savings

Conclusion

LIC Bima Jyoti – 760 is one of the most transparent and predictable savings-cum-protection plans available today. With fixed guaranteed additions, zero market exposure, strong life cover, and LIC’s unmatched trust, this plan is ideal for individuals who value certainty and long-term financial stability.

If your goal is guaranteed wealth creation with family protection, Bima Jyoti stands out as a safe, reliable, and disciplined choice.