Plan 106/107/108 Engine 2026

LIC Jeevan Surabhi Money-Back & Returns Calculator

Model LIC's accelerated money-back plans. Calculate survival cash benefits paid every 4-5 years, alongside a life cover that increases automatically with every premium year.

Accelerated Money-Back: Early return of sum assured in parts

Increasing Life Cover: Death benefit increases dynamically over time

Participating plan: Accrues reversionary bonuses

Limited premium payment terms (12, 15, or 18 years)

Section 80C and 10(10D) tax compliance

LIC Jeevan Surabhi Inputs

LIC Jeevan Surabhi (Plan 106) specialized calculator. Adjust your sliders to recalculate active returns.

1. Basic Sum Assured (₹)₹2,00,000

2. Age of Proposer/Insured (Years)30 Years Old

3. Policy Coverage Term (Years)20 Years

Premium Payment Frequency

Plan 106

Estimated Maturity Returns

₹3,78,000

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 Premium:₹460

Renewal Premium (Year 2+):₹450

Total Estimated Premiums Paid:₹9,010

Basic Sum Assured:₹2,00,000

Accumulated Endowment Bonuses:₹1,68,000

Estimated Net Maturity Benefit:₹3,78,000

Returns Performance41.95x Return

Guide to LIC Jeevan Surabhi Plan (Plan 106/107/108)

LIC's Jeevan Surabhi is a participating money-back structure with a limited premium payment term. Under this plan, survival benefits are paid at shorter intervals compared to standard money-back plans. Crucially, the life cover (risk cover) increases over the policy term, ensuring that the policyholder's death benefit value grows in later years.

Plan Eligibility & Key Actuarial Limits

Policy parameter	Details and limits
Plan 106 (Term 15)	PPT 12 Years, Entry Age 14-55
Plan 107 (Term 20)	PPT 15 Years, Entry Age 14-50
Plan 108 (Term 25)	PPT 18 Years, Entry Age 14-45
Minimum Sum Assured	₹50,000
Maximum Sum Assured	No Limit
Survival Benefits	Paid in chunks of 20% / 25% of SA every 3 to 4 years

Tax Benefits & Payout Options

Premiums qualify for Section 80C tax benefits. The periodic survival benefits and the final maturity bonus payouts are exempt under Section 10(10D).

Frequently Asked Questions (FAQs)

How are the money-back payouts distributed in Plan 106?

For Plan 106 (15-year term), survival benefits are paid as: 30% of SA at the end of 4 years, 30% at the end of 8 years, and 40% at the end of 12 years.

Does Jeevan Surabhi pay a basic Sum Assured at maturity?

No, since 100% of the basic Sum Assured is returned to the policyholder via periodic survival benefits before maturity, the final maturity payout consists solely of accumulated bonuses and Loyalty Additions.

How does the increasing life cover work?

The life cover increases by 50% of the basic Sum Assured after every 5 years of active policy duration.

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