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💰 LIC Money Back Plans

LIC Money Back Plans combine the benefits of life insurance protection with regular survival payouts. These plans provide periodic returns during the policy term, a full death benefit to nominees, and a maturity benefit with bonuses. With flexible premium options, loan facilities, tax benefits, and optional riders, Money Back Plans are ideal for individuals seeking liquidity along with long-term financial security. Example: Table 720 – New Money Back (20 Years).

Key Features of LIC Money Back Plans:

  • 1. Periodic Survival Benefits:
    Policyholders receive a fixed percentage of the sum assured at regular intervals during the policy term, ensuring liquidity.
  • 2. Death Benefit for Nominees:
    In case of the policyholder’s death, the nominee receives the full sum assured irrespective of previously paid survival benefits.
  • 3. Maturity Benefit with Bonuses:
    At maturity, the remaining sum assured plus accumulated bonuses are paid, ensuring strong financial returns.
  • 4. Flexible Premium Payment Options:
    Choose premium modes such as yearly, half-yearly, quarterly, or monthly to match your financial convenience.
  • 5. Loan Facility:
    After a certain policy period, policyholders can avail loans against the policy to meet urgent financial needs.
  • 6. Optional Riders for Enhanced Protection:
    Riders like Accidental Death Benefit, Critical Illness Benefit, and Disability Protection can be added for wider coverage.
  • 7. Tax Benefits:
    Premiums qualify for tax deductions under Section 80C, and policy proceeds may be tax-free under Section 10(10D) subject to conditions.
  • 8. Suitable for Medium to Long-Term Savings:
    Helps policyholders achieve goals like children’s education, marriage savings, or planned financial milestones.

Why LIC Money Back Plans Are Important:

Money Back Plans provide both protection and liquidity, making them suitable for individuals who want guaranteed financial returns during the policy term. They offer flexibility, security, and reliable savings—ensuring support for both planned and unplanned family needs.

Need Assistance?

Our LIC advisors can help you choose the best Money Back Plan based on your income, financial goals, and required payout intervals. Contact us today for expert support on LIC’s Money Back Plans including Table 720 – New Money Back (20 Years).

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