Plan 798 ULIP Engine 2026

LIC Money Plus (Plan 798) Fund Value Calculator

Model LIC's unit-linked money-back plan. Combine market returns with periodic survival money-back withdrawals.

Unit Linked Money-Back: Regular survival payouts from fund value

Flexible PPT: regular premium or limited premium paying options

Partial Withdrawal allowed after 5 lock-in years

Accident Benefit Rider option to protect cover

Tax deductions u/s 80C and tax-free payouts u/s 10(10D)

LIC Money Plus Inputs

LIC Money Plus (Plan 798) specialized calculator. Adjust your sliders to recalculate active returns.

1. Annualized Premium (₹)₹1,00,000

2. Age of Investor (Years)30 Years Old

3. Policy Coverage Term (Years)15 Years

4. Fund Option

5. Assumed Returns rate

Plan 798

Estimated Maturity Returns

₹28,55,859

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.

Annual Premium:₹1,00,000

Total Invested (over 15 years):₹15,00,000

Active Life Cover Sum Assured:₹10,00,000

Estimated Maturity Fund Value:₹28,55,859

Assumed Compounding IRR:8% p.a.

Returns Performance1.90x Return

Guide to LIC Money Plus Plan (Plan 798)

LIC's Money Plus (Plan 798) is a unit-linked money-back plan. It allows policyholders to invest in market funds and receive periodic cash payouts by redeeming units at specified intervals. It offers a combination of market-linked growth, liquidity, and life cover. This calculator helps existing policyholders estimate current fund values.

Plan Eligibility & Key Actuarial Limits

Policy parameter	Details and limits
Minimum Entry Age	8 Years
Maximum Entry Age	65 Years
Minimum Premium	₹10,000 (Annualized) / ₹20,000 (Single Pay)
Policy Term Range	10 to 20 Years
Survival Benefits	Periodic withdrawal of units at specific intervals

Tax Benefits & Payout Options

Premiums qualify for Section 80C tax deductions. Maturity proceeds and survival payouts are tax-exempt under Section 10(10D), subject to ULIP guidelines.

Frequently Asked Questions (FAQs)

How do the money-back payouts work in Money Plus?

During the term, a specified percentage of units is automatically redeemed and paid to the policyholder at regular intervals (e.g. end of 3rd, 6th, and 9th policy years depending on the term).

Is LIC Money Plus active for new enrollments?

No, Plan 798 has been withdrawn. Existing policyholders can use this tool to calculate their active values.

What is paid at maturity?

At maturity, the remaining fund value at the current Net Asset Value (NAV) is paid to the policyholder.

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Term Insurance

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Endowment Plan

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Ahmedabad, Gujarat

Whole Life Plan

3 weeks ago

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Bangalore, Karnataka

Endowment Plan

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