Plan 825 Online Engine 2026

LIC e-Term (Plan 825) Premium Calculator

Model LIC's first-generation online pure term assurance plan. Compare smoker and non-smoker premium quotes instantly.

Online Pure Term Plan: Direct online purchase with lower rates

No maturity or survival benefits: Pure risk protection shield

Separate premium slabs for Smokers and Non-Smokers

High Sum Assured rebate discounts

Tax benefits under Section 80C and Section 10(10D)

LIC e-Term Inputs

LIC e-Term (Plan 825) specialized calculator. Adjust your sliders to recalculate active returns.

1. Age at Entry (Years)30 Years Old

2. Basic Sum Assured (₹)₹50,00,000

3. Policy Coverage Term (Years)20 Years

4. Smoking Habit

5. Gender

6. Payment Frequency

Plan 825

Estimated Maturity Returns

₹0

Estimated returns payout at policy maturity

Actuarial Projections

Sovereign-backed security of sum assured and returns u/s 10(10D).
Eligible for annual premium tax exemptions under Section 80C.
Loan and policy surrender values accumulate continuously.

First Year Installment (with GST):₹27,170

Renewal Installment (with GST):₹26,585

Total Estimated Premiums Paid:₹5,32,285

Basic Life Cover (Death Benefit):₹50,00,000

Maturity Returns (Survival Benefit):No maturity returns (Pure Term Cover)

Returns Performance0.00x Return

Guide to LIC e-Term Plan (Plan 825)

LIC's e-Term (Plan 825) is a non-participating, non-linked online term assurance plan. It was LIC's initial online term insurance offering. It provides financial security to the policyholder's family in the event of death, with no maturity or survival value. It categorizes applicants into aggregate and non-smoker categories, with non-smokers receiving discounted rates.

Plan Eligibility & Key Actuarial Limits

Policy parameter	Details and limits
Minimum Entry Age	18 Years (Completed)
Maximum Entry Age	60 Years
Maximum Maturity Age	75 Years
Minimum Sum Assured	₹25,00,000 (Non-Smoker) / ₹50,00,000 (Aggregate)
Maximum Sum Assured	No Limit (subject to underwriting)
Policy Term Range	10 to 35 Years

Tax Benefits & Payout Options

Premiums qualify for Section 80C deductions. The death benefit received by the nominee is tax-free under Section 10(10D).

Frequently Asked Questions (FAQs)

Is LIC e-Term still open for new purchases?

No, Plan 825 has been replaced by the newer Tech Term (Plan 854). Existing policyholders use this calculator to review their active premium schedules.

What happens if the policyholder survives the term of e-Term?

Since this is a pure term plan, no maturity or survival benefit is payable if the policyholder survives the policy term.

What premium modes are allowed in e-Term?

Premiums are paid annually under this online plan.

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Mumbai, Maharashtra

Term Insurance

2 weeks ago

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Delhi, NCR

Endowment Plan

1 month ago

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Ahmedabad, Gujarat

Whole Life Plan

3 weeks ago

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Bangalore, Karnataka

Endowment Plan

1 week ago

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Term Insurance

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Chennai, Tamil Nadu

ULIP

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Kolkata, West Bengal

Endowment Plan

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Hyderabad, Telangana

Whole Life Plan

2 weeks ago

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