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LIC Jeevan Anand Plan 915 Calculator 2026

Calculate your premium schedules, estimated maturity amount, death benefits, and lifetime risk cover under the New Jeevan Anand Plan 915. Updated for 2026.

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Calculate Jeevan Anand Plan 915
30 Years
18 Years50 Years
20 Years
15 Years35 Years
₹5,00,000
₹1,00,000₹50,00,000
ℹ️ Note on Plan 915 Bonus: This plan uses a fixed typical reversionary bonus rate of ₹44 per ₹1,000 Sum Assured. Terminal bonus rates depend on the final policy term.
Benefit & Returns Illustration
Annual Premium (Yr 1)
₹26,439
Total Premiums Paid
₹5,06,000
Maturity Benefit (At End of Term)
₹10.40 Lakh
XIRR (Yield)
6.45%
Lifetime Free Risk Cover:₹5,00,000 (Free)
Death Benefit during Term:₹11,65,000

*Nominee receives 125% of Sum Assured (₹6,25,000) + Accrued Bonuses in case of policyholder's death during policy term.

🤝 Why Jeevan Anand is Unique: Double Benefit

Jeevan Anand Plan 915 stands out because it offers a Maturity payout at the end of the term, AND the **basic life cover (Sum Assured)** continues for free until death, even after the term ends.

1. Pay Premium

Pay annual premiums for the chosen term (e.g. 20 Years).

2. Maturity payout

Get Sum Assured + all accrued bonuses at end of term.

3. Free Life Cover

Basic Sum Assured continues for life. Nominee gets this on death.

Want a better life cover than traditional LIC policies?

Traditional plans offer 5-6% returns with low life cover. Compare pure Term Insurance plans starting from just ₹440/month for a ₹1 Crore cover.

Compare Term Plans
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What is the maturity amount for LIC Jeevan Anand of 5 Lakhs?

For a ₹5 Lakh Sum Assured under Jeevan Anand Plan 915 with a 20-year term, the annual premium is ₹26,500. On maturity, the policyholder receives ₹13,00,000. In addition, the life cover of ₹5 Lakh continues for free throughout their lifetime.

LIC New Jeevan Anand (Plan 915) — Historical Bonus Rates

Official LIC bonus rates declared per ₹1,000 Sum Assured.

LIC New Jeevan Anand Plan 915 historical bonus rates table
YearReversionary Bonus Rate (per ₹1,000 SA)Terminal Bonus Rate (per ₹1,000 SA)
2026₹44 per ₹1,000₹720 per ₹1,000
2025₹44 per ₹1,000₹720 per ₹1,000
2024₹44 per ₹1,000₹680 per ₹1,000
2023₹42 per ₹1,000₹650 per ₹1,000
2022₹42 per ₹1,000₹600 per ₹1,000

How Does LIC Jeevan Anand Plan 915 Work?

LIC New Jeevan Anand is an endowment assurance plan with a whole life cover. This means the policy acts as a savings tool during the term, paying a bulk maturity amount at the end. After maturity, the life cover doesn't end — the basic Sum Assured is maintained free of charge. If the policyholder dies at any age afterwards, the nominee receives the basic Sum Assured.

Due to this double benefit, Jeevan Anand remains LIC's highest-selling plan in India. It is ideal for individuals who want to receive a lump sum for retirement while keeping a permanent inheritance cover for their families.

एलआईसी न्यू जीवन आनंद प्लान 915 कैलकुलेटर — LIC Jeevan Anand in Hindi

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एलआईसी न्यू जीवन आनंद प्लान 915 कैलकुलेटर — LIC Jeevan Anand in Hindi

एलआईसी न्यू जीवन आनंद प्लान 915 (LIC New Jeevan Anand Plan 915) सबसे लोकप्रिय योजना है। यह एक डबल बेनिफिट प्लान है जिसमें मैच्युरिटी पर सम एश्योर्ड + संचित बोनस + टर्मिनल बोनस का भुगतान किया जाता है, और इसके बाद भी पॉलिसीधारक का लाइफ कवर (बीमा राशि) जीवनभर के लिए फ्री चलता रहता है।\n\nउदाहरण के लिए, ₹5 लाख की बीमा राशि के लिए 20 साल के टर्म पर मैच्युरिटी वैल्यू लगभग ₹13 लाख होगी। मैच्युरिटी के बाद यदि पॉलिसीधारक की मृत्यु 85 या 90 साल की उम्र में भी होती है, तो उसके परिवार (नॉमिनी) को ₹5 लाख का अतिरिक्त भुगतान मिलता है।

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Frequently Asked Questions

Jeevan Anand offers a unique double benefit. First, it pays a maturity value (Sum Assured + reversionary bonuses + terminal bonus) at the end of the policy term. Second, the basic life cover (Sum Assured) continues for the lifetime of the policyholder without any further premium payments. If the policyholder passes away at age 80 or 90, the basic Sum Assured is paid to the nominee.
If death occurs during the policy term, the death benefit is: 125% of the Basic Sum Assured + Accrued Reversionary Bonuses + Final Additional (Terminal) Bonus. If death occurs after the maturity term ends, the basic Sum Assured is paid to the nominee as a whole life insurance cover.
The minimum entry age for LIC New Jeevan Anand Plan 915 is 18 completed years. The maximum entry age is 50 years. The maximum maturity age is 75 years.
Policy terms for Plan 915 range from a minimum of 15 years to a maximum of 35 years. Proposers can choose any term within this range to align with their retirement goals.
Yes, a loan against the policy is available after completing 2 full years of premium payments. You can borrow up to 90% of the policy's surrender value for active plans and up to 80% for paid-up policies. LIC charges interest of around 9.5% p.a. compounded half-yearly on these loans.
LIC has declared a typical reversionary bonus rate of ₹44 per ₹1,000 Sum Assured for Plan 915 for terms between 16 to 20 years. For terms above 20 years, the bonus rate can be around ₹48 per ₹1,000 Sum Assured, depending on the annual declarations.
You can surrender your policy after paying 2 full years of premiums. However, surrendering early will result in significant loss. The Guaranteed Surrender Value (GSV) factor is typically only 30% to 50% of the total premiums paid, depending on the year of surrender.
Yes, you can add riders like Accidental Death & Disability Benefit (ADB) rider, Accident Benefit rider, New Term Assurance rider, and Critical Illness Benefit rider by paying a nominal extra premium.
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