Endowment / savings
Bima Jyoti
Non-linked plan with guaranteed additions.
Who it's for
Savers who prefer a non-participating plan with pre-defined guaranteed additions.
Guaranteed addition
₹50 per ₹1,000 sum assured / year
Applies for the full policy term.
A fixed amount set out in the policy terms — not a variable bonus or a projection. Source: LIC plan terms, cross-verified via multiple published sources (2026)
Key features
- Guaranteed additions accrue for the chosen policy term
- Single or limited premium payment options
- Death benefit as a multiple of annualised premium
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