LIC Bima Jyoti – Plan No. 760

Currently Available Endowment Plan (Guaranteed Additions) UIN: 512N339V03

What Is LIC Bima Jyoti?

LIC's Bima Jyoti is a non-linked, non-participating (guaranteed) endowment plan. Unlike bonus-linked plans, it offers guaranteed additions that accrue to the policy at a fixed rate declared at the start, giving more certainty on the maturity value from day one, subject to the plan's terms and conditions.

Key Features

• Guaranteed additions accrue for each year of premium payment, at a rate fixed in advance
• Non-participating — does not depend on LIC's variable bonus declarations
• Available with single premium or limited/regular premium payment options
• Death benefit paid to nominee if the life assured dies during the term

Who May Consider This Plan

• Customers who prefer more predictability in the maturity value over bonus-linked variability
• Those planning a specific medium-term goal where a guaranteed (non-market-linked) structure is preferred

Important Considerations

Guaranteed-addition plans typically do not offer the potential upside of a strong bonus year that participating plans can, in exchange for more certainty. As with all LIC savings plans, the guaranteed additions rate and full terms should be checked in the current Sales Brochure before buying.

Example Scenario

Illustrative only: A customer choosing a policy term of around 15-20 years with regular premiums would see a fixed rate of guaranteed additions accrue each year they pay the premium, payable along with the sum assured on maturity or on earlier death.