LIC’s New 5-Year Scheme 2025: Invest ₹12,000 and Get ₹75,000 Return
India’s Life Insurance Corporation (LIC) has been dedicated to providing its customers with financial protection and future-oriented solutions. Now, the LIC has launched a new scheme, in which you can invest ₹12,000 and get your ₹75,000 back. This plan is especially for a person who wants high returns in a short span of time.
The central aim of this latest plan is to provide investors with a large guarantee at a small premium. It is best suited for those looking to reach smaller goals, like paying for their kids’ education, selling their home, or meeting other imminent financial needs. Let’s get into the details of this scheme.
Key Features of LIC’s New Plan
This scheme promises investors guaranteed returns in a short period. Here’s a table outlining the specifics of the plan:
| Feature | Details |
| Investment Amount | ₹12,000 |
| Return Amount | ₹75,000 |
| Policy Term | 5 Years |
| Entry Age | 18-60 Years |
| Insurance Coverage | Available |
| Premium Payment Options | Monthly/Annually |
| Maturity Benefit | Guaranteed |
| Loan Facility | Available |
What is LIC’s New 5-Year Scheme 2025?
It is a short-term investment plan which requires customers to pay premiums only for five years. At policy maturity, the investor gets a guaranteed return of ₹75,000. This plan not only gives you great returns but also provides a life insurance cover for the policy term.
This plan offers very low-cost premium payments that can be made on a monthly or annual basis. Basically, if the policyholder passes away before the term of the policy expires, the insurance company pays the beneficiary named in the policy.
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Benefits of the LIC 5-Year Scheme
There are many benefits to this plan that make it unique from the rest of the investment options:
- Less Investment: You invest only ₹12,000.
- This programme offers high returns: ₹75,000 assured after five years.
- Life Insurance: Covers life insurance for the duration of the policy.
- Flexibility: Premiums are payable on a monthly/annual basis.
- Loans: Available three months after the policy issue.
Eligibility Criteria for LIC’s New 5-Year Scheme 2025
The eligibility conditions to invest in LIC’s 5-year scheme are as follows:
- Minimum Age: 18 years.
- Maximum Age: 60 years.
- Must be an Indian citizen.
- Stable source of income– To make timely premium payments, the investor should have a regular source of income.
Premium Payment Options
This type offers flexibility in premium payments. There are two options that investors can choose from:
- Monthly Premium: Make smaller, more manageable payments.
- Annual Premium: Pay once a year as a lump sum payment.
Risks Associated with the Scheme
Although LIC’s plans are generally safe, there are some risks associated with them that you should be aware of:
- Missed Premium Payments: If you are unable to pay premiums, then it will cause the policy to lapse.
- Market Conditions: Economic modifications and market fluctuations have the potential to impact returns; however, this scheme ensures a guaranteed return.
Investors can avail an adequate guaranteed return with a very small amount of investment via LIC’s new 5-year scheme. This flexible and beneficial plan meets a variety of needs, from smaller personal goals to future financial planning.
