LIC Bima Shree (Plan No. 748) is a premium, high-value money back life insurance plan specially designed for individuals who require large life cover, guaranteed benefits, periodic liquidity, and long-term wealth creation. This plan is ideally suited for high net-worth individuals (HNIs), senior professionals, business owners, and individuals with higher income levels who want a robust financial planning solution backed by LIC.
Unlike standard money back plans, Bima Shree offers enhanced life protection, guaranteed additions, loyalty additions, and higher maturity value. It combines protection, savings, and liquidity in a disciplined and predictable manner, making it one of LIC’s most powerful high-value insurance products.
✔ Premium-Level Life Protection: Provides a high death benefit that ensures financial continuity for dependents.
✔ Guaranteed Wealth Creation: Guaranteed additions and loyalty additions build a strong long-term corpus.
✔ Regular Liquidity: Survival benefits help manage high-value expenses without disturbing investments.
✔ Risk-Free Returns: Ideal for conservative HNIs who prefer stability over market-linked uncertainty.
✔ Legacy Planning: Suitable for estate planning and long-term family wealth protection.
To understand how LIC Bima Shree – 748 works in practice, let us consider a realistic high-value example.
Total Premium Paid:
₹3,95,000 × 16 years = ₹63,20,000 (approx)
Survival Benefits:
A percentage of Sum Assured is paid at predefined intervals,
providing regular high-value liquidity during the policy term.
Guaranteed Additions:
Guaranteed additions are added annually and accumulate over time,
significantly increasing the maturity value.
Loyalty Additions:
At maturity, loyalty additions are paid as declared by LIC,
further enhancing the final payout.
Maturity Benefit:
Remaining Sum Assured + Guaranteed Additions + Loyalty Additions
Total Maturity Amount: ₹95,00,000 – ₹1,05,00,000 (approx)
This maturity corpus can be used for retirement planning, business expansion, asset acquisition, or legacy creation.
Death Benefit Scenario:
If death occurs during the policy term,
the nominee receives the enhanced death benefit as per policy rules,
ensuring complete financial security for the family,
irrespective of survival benefits already paid.
Figures are indicative and may vary based on age, Sum Assured, and LIC benefit declarations.
✔ High net-worth individuals seeking large life cover
✔ Business owners planning wealth protection and liquidity
✔ Professionals planning retirement with guaranteed corpus
✔ Individuals looking for premium money back with stability
LIC Bima Shree – 748 is a flagship high-value money back plan that offers enhanced life protection, guaranteed additions, loyalty benefits, periodic liquidity, and a powerful maturity corpus. Designed for individuals with higher financial aspirations, this plan delivers security, stability, and disciplined wealth creation.
If you are looking for a premium LIC plan that combines large life cover, guaranteed returns, and regular income without market risk, Bima Shree stands out as a dependable and future-ready choice for long-term financial success.