Last updated: 30 September 2026
No affiliation with LIC
LIC Premium Calculators (“the website”, “we”, “us”) is an independent information website. We are not Life Insurance Corporation of India (LIC), and we are not owned by, sponsored by, endorsed by or connected with LIC, any other insurer or the Insurance Regulatory and Development Authority of India (IRDAI).
We are not an insurance company, agent, broker, corporate agent, web aggregator or any other intermediary registered with IRDAI. We do not sell, solicit or distribute insurance, and we do not collect premiums.
“LIC”, plan names and plan numbers are used only to identify the products we describe. All such names and marks belong to their respective owners.
Estimates only
Every premium, GST, maturity value, bonus, surrender value, pension, loan or other figure shown by our calculators is an estimate based on:
- publicly available plan features, brochures and policy documents;
- premium rates and rules compiled by our team, which may be incomplete or out of date;
- assumptions you choose, such as the bonus rate or fund growth rate;
- tax rates that may not reflect the latest law.
Your actual premium and benefits are decided by LIC under the terms of your policy and may differ because of underwriting, medical results, occupation, riders, rounding, changes to plan terms or changes in tax law. Bonuses on with-profit plans and returns on unit-linked plans are not guaranteed. Past bonus rates do not indicate future bonus rates.
Always obtain a formal premium quotation and read the sales brochure and policy document carefully before concluding a sale. In case of any difference between our content and LIC’s official documents, LIC’s documents prevail.
Not financial, tax or legal advice
The content on this website is for general information and education only. It is not financial, investment, insurance, tax or legal advice, and it does not take into account your personal circumstances. Before making a decision, consider speaking to a qualified, licensed adviser. Any decision you make based on this website is your own responsibility.
Accuracy and updates
We work hard to keep our calculators and articles accurate and current, and we correct confirmed errors promptly. However, LIC may launch, revise or withdraw plans, and tax rules may change, without notice to us. We make no warranty, express or implied, that the content is complete, accurate, current or fit for any particular purpose.
External links
Our pages may link to other websites, including LIC’s website and government portals. We do not control those websites and are not responsible for their content, availability or privacy practices. A link does not imply endorsement.
Limitation of liability
To the fullest extent permitted by Indian law, we will not be liable for any loss or damage, direct or indirect, arising from your use of, or reliance on, this website or any calculator result. Please read our Terms of Use for full details.
Questions
If you have a question about this disclaimer, email hello@licpremiumcalculator.net or visit our contact page.