LIC's eTerm (825) Insurance Plan Premium and Maturity Calculator - LIC's E-Term Policy 825 is a regular premium plan policy. It provides a financial protection to insured’s family in case of unfortunate death of policy holder. Status of the policy will be available through online application process only and no mediators are involved in this policy.
LIC's E-Term Policy is a pure term insurance policy with less premium compared to other LIC policies. In this LIC E Term Policy 825 plan, there are two categories of premium rates namely (1) Aggregate lives & (2) Non-smoker lives.
According to LIC E-Term Policy 825 the application of Non-smoker rates shall be based on the findings of the Urinary Cotinine test and in all other cases the Aggregate premium rates shall be applicable.
Maximum Sum assured: No limits for both categories
Maximum Coverage Age: 75 years (Nearest Birthday)
Premium Payment Mode: Yearly (Payment mode is through online only)
Tax Benefits: 12.36% of Service tax is applicable on premium.
Grace Period: If the Premium is not paid within the time then a delay of 30 days is extended to pay the premium amount which is grace period.
Cooling off period: If you are not satisfied with this policy term you may return the policy within 30 days from the date of receipt of the policy.
LIC eTerm (825) Term Insurance Plan Premium Calculator - Eligible Life:
Aggregate lives: In this category you can buy a premium upto sum assured of 49 lakhs whether you are smoker or non smoker.
Non-Smoker lives: In Non-smoker Category the premium is less than aggregate category and if your sum assured is 50 lakhs and above then the policyholder comes under this category. No other Bonus is payable under this LIC E term policy no 825
Paid up value: No paid up value is provided Under this LIC E term plan 825
Surrender benefits: Under this LIC E term policy plan no 825 surrender benefits are zero
Loan Facility: In LIC E term policy plan no 825, Loan Facility is not available
Proposal of policy on your own life will only be considered.
Suicide clause: If the policy holder commits suicide for any of the reasons within 12 months of date of commencement of policy, then 80% of premium for what he had paid will be returned to nominees or assignees.
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