Estimate how much your LIC policy will actually pay at maturity — sum assured, bonuses, final additional bonus, and your real rate of return.
Used to show total outflow and your effective return.
Most LIC endowment plans have declared ₹40–₹50 in recent years.
FAB applies mostly to terms of 15+ years.
Estimated maturity amount
₹19.20 L
Sum assured
₹10.00 L
Bonuses (20 yrs)
₹9.00 L
Final addl. bonus
₹20,000
You will pay in total
₹10.00 L
Gain over premiums
₹9.20 L
Effective annual return
≈ 5.9%
Endowment plans combine life cover with savings, which is why the return is lower than pure investments — the life cover of ₹10.00 L was active every single year. Compare against a term plan + investment strategy with our term insurance calculator.
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Try InGrowIQ freeDisclaimer: Indicative estimates for traditional participating (with-profits) LIC plans using simple reversionary bonus assumptions. Actual maturity value depends on bonuses LIC declares each year, your specific plan, and any riders or loans. Money-back plans pay survival benefits earlier, which reduces the final maturity amount. Confirm exact figures with LIC or your agent.