LIC Anmol Jeevan II (Plan 822, UIN 512N285V01) was a regular-premium pure term plan launched in 2014 and withdrawn on 1 February 2020. It paid ₹6 lakh to ₹24 lakh on death during a 5 to 25-year term, with nothing on survival. A 30-year-old man with ₹10 lakh cover for 25 years pays about ₹1,750 a year in this calculator.
Anmol Jeevan II 822 Premium Calculator
Your estimate
- Premium per instalment
- ₹1,750
- Rate per ₹1,000 sum assured
- ₹1.75
- Total premium paid
- ₹43,750
- Estimated maturity amountpure term plan: nothing is paid on survival
- ₹0
- Cover till age
- 55 years
Individual life insurance premiums are exempt from GST from 22 September 2025. Figures are estimates based on typical rates and may differ from LIC’s official quote.
What is LIC Anmol Jeevan II Plan 822?
LIC Anmol Jeevan II (Plan 822) is a regular premium, non-participating, pure protection term plan. If the life assured dies during the policy term, LIC pays the sum assured to the nominee. If the life assured survives, nothing is paid. There is no bonus, no surrender value and no loan.
LIC launched the plan in 2014 (UIN 512N285V01) as the second version of Anmol Jeevan, after Anmol Jeevan I Plan 164. It was withdrawn on 1 February 2020. For existing policyholders, the calculator above shows the premium and the age until which cover runs. New buyers should look at LIC’s current term plans such as New Tech-Term 954 or Yuva Term 875.
Anmol Jeevan II at a glance
| Feature | Details |
|---|---|
| Plan number / UIN | 822 / 512N285V01 |
| Plan type | Pure term, regular premium, non-participating |
| Sold | 2014 to 1 February 2020 |
| Policy term | 5 to 25 years |
| Sum assured | ₹6,00,000 to ₹24,00,000 |
| Premium modes | Yearly, half-yearly |
| Grace period | 1 month |
| Maturity benefit | Nil |
| Loan / surrender | Not available |
Eligibility
| Condition | Minimum | Maximum |
|---|---|---|
| Age at entry | 18 years (completed) | 55 years (nearest birthday) |
| Policy term | 5 years | 25 years |
| Age when cover ends | — | 65 years |
| Sum assured | ₹6,00,000 | ₹24,00,000 |
How the premium is calculated
The premium is a rate per ₹1,000 of sum assured that depends on gender, age and term. The calculator interpolates between the published age and term points, then:
- multiplies the rate by sum assured ÷ 1,000 to get the yearly premium;
- for half-yearly mode, charges 51% of the yearly premium per instalment;
- adds no GST. Individual life policies are GST-exempt from 22 September 2025. Before that, 18% GST was added to term premiums, so older receipts will show a higher total.
Worked example 1: a 30-year-old man takes ₹10 lakh cover for 25 years. He pays about ₹1,750 a year, ₹43,750 over the full term, and is covered until age 55.
Worked example 2: a 35-year-old woman takes ₹20 lakh cover for 20 years. She pays about ₹3,400 a year, ₹68,000 in total.
Tip: if you hold an 822 policy, keep it in force. Starting a new term plan at an older age will usually cost more, and a fresh medical check may be needed.
Death benefit
On death during the term, with the policy in force, the nominee receives the full sum assured in one lump sum. The claim is settled on submission of the death certificate, claim forms and policy documents.
Tax benefits
- Premiums: deduction under Section 123 of the Income-tax Act, 2025 (earlier Section 80C) (old regime).
- Death claim: tax-free under Section 11 read with Schedule II of the Income-tax Act, 2025 (earlier Section 10(10D)).
Anmol Jeevan II vs Amulya Jeevan II
Both were pure term plans sold in the same years. Anmol Jeevan II covered ₹6 lakh to ₹24 lakh; Amulya Jeevan II (Plan 823) started at ₹25 lakh for people who needed larger cover. Compared with Anmol Jeevan I, Plan 822 raised the minimum cover from ₹5 lakh to ₹6 lakh and kept the same age and term limits.
Who should use this calculator?
It is meant for existing 822 policyholders checking their premium, planning renewals or comparing their cover with a new policy. For fresh cover today, use our term plan calculator.
How to use this calculator
Choose gender, enter age, term and sum assured, and pick the mode. The results show the yearly premium, the instalment, total premiums over the term and the cover end age. The premium chart below shows yearly premiums for ₹10 lakh cover at different ages and terms. All figures are estimates.
Frequently asked questions
When was LIC Anmol Jeevan II 822 launched and withdrawn?
LIC launched Anmol Jeevan II in 2014 as the successor to Anmol Jeevan I (Plan 164). It was withdrawn from sale on 1 February 2020. Existing policies stay in force for their full term as long as premiums are paid.
What is the premium for Anmol Jeevan II 822?
It depends on gender, age, term and cover. In this calculator a 30-year-old man with ₹10 lakh cover for 25 years pays about ₹1,750 a year, and a 35-year-old woman with ₹20 lakh for 20 years pays about ₹3,400 a year.
What is the sum assured range in Plan 822?
The minimum sum assured is ₹6 lakh and the maximum is ₹24 lakh. For covers of ₹25 lakh and above, LIC offered its sister plan Amulya Jeevan II (Plan 823) during the same period.
Is there any maturity benefit in Anmol Jeevan II?
No. Anmol Jeevan II is a pure protection plan. If the life assured survives the policy term, no amount is paid. The low premium reflects the fact that there is no savings element.
What happens if I miss a premium in Plan 822?
There is a grace period of one month for yearly and half-yearly premiums. If the premium is still unpaid after that, the policy lapses and the cover stops. It can be revived within the revival period by paying arrears and meeting LIC's health requirements.
Is the death claim under LIC 822 taxable?
No. The death benefit received by the nominee is tax-free under Schedule II (earlier Section 10(10D)). Premiums paid qualify for deduction under Section 123 (earlier 80C) in the old tax regime.
Disclaimer: LIC Premium Calculators is an independent website. We are not affiliated with, endorsed by or connected to Life Insurance Corporation of India. All figures are estimates for illustration; confirm exact premiums and benefits with LIC or a licensed agent before buying.