LIC New Money Back Plan (25 Years) – 721 is a traditional participating life insurance plan that offers a powerful combination of life insurance protection, periodic cash payouts, and long-term savings. This plan is specially designed for individuals who want regular liquidity during the policy term while also building a strong financial corpus for the future.
In today’s financial environment, many people require money at different stages of life — for children’s education, marriage expenses, business needs, home improvements, or personal goals. New Money Back (25 Years) – 721 addresses this requirement by providing scheduled survival benefits at regular intervals, without compromising long-term financial security or life insurance protection.
✔ Regular Cash Flow: Survival benefits provide liquidity at predefined intervals, helping you meet planned and unplanned expenses comfortably.
✔ Strong Family Protection: Life cover continues for the entire 25-year policy term, ensuring financial security for your loved ones.
✔ Disciplined Savings: Encourages systematic long-term savings with guaranteed structure.
✔ Bonus Advantage: Accrued bonuses significantly enhance maturity and death benefits.
✔ Risk-Free Planning: Not linked to the stock market; benefits are stable and predictable.
To understand how LIC New Money Back (25 Years) – 721 works in practice, let us look at a clear and realistic example.
Total Premium Paid:
₹42,000 × 25 years = ₹10,50,000 (approx)
Survival Benefits:
End of 5th Year: ₹1,50,000
End of 10th Year: ₹1,50,000
End of 15th Year: ₹1,50,000
End of 20th Year: ₹1,50,000
Total Survival Benefits Received: ₹6,00,000
Maturity Benefit (End of 25th Year):
Remaining Sum Assured: ₹4,00,000
+ Accrued Bonuses: ₹7,00,000 – ₹9,00,000 (approx)
Total Maturity Amount: ₹11,00,000 – ₹13,00,000
Total Benefits Over 25 Years:
Survival Benefits: ₹6,00,000
Maturity Benefit: ₹11,00,000 – ₹13,00,000
Total Value: ₹17,00,000 – ₹19,00,000
Death Benefit Scenario:
If death occurs at any time during the policy term,
the nominee receives the full ₹10,00,000 Sum Assured + accrued bonuses,
irrespective of survival benefits already paid.
Premium and bonus figures are indicative and may vary based on age, sum assured, and LIC bonus declarations.
✔ Individuals requiring periodic liquidity
✔ Parents planning long-term education and marriage expenses
✔ Salaried professionals with stable income
✔ Conservative investors preferring guaranteed benefits
LIC New Money Back Plan (25 Years) – 721 is a well-balanced life insurance solution that offers periodic income, long-term savings, and full family protection. With scheduled money-back payouts, attractive bonus potential, and guaranteed maturity benefits, this plan supports financial stability at every stage of life.
For individuals who want regular cash flow without compromising on life cover, and who prefer a safe, disciplined, and time-tested LIC product, New Money Back (25 Years) – 721 stands out as a reliable and future-ready choice.