Plan 854 Online Engine 2026

LIC Tech Term (Plan 854) Online Premium Calculator

Model LIC's high-value online pure protection plan. Get instant premium estimates with special lower rates for non-smokers and female lives.

Pure Online Plan: Purchase directly online with lower premium rates

No Intermediary Costs: Savings passed directly to policyholders

Special Rates for Non-Smokers and Female Lives

Choose Level Sum Assured or Increasing Sum Assured

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

LIC Tech Term Inputs

LIC Tech Term (Plan 854) specialized calculator. Adjust your sliders to recalculate active returns.

1. Age at Entry (Years)30 Years Old

2. Basic Sum Assured (₹)₹1,00,00,000

3. Policy Coverage Term (Years)20 Years

4. Smoking Habit

5. Gender

6. Payment Frequency

Plan 854

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):₹52,250

Renewal Installment (with GST):₹51,125

Total Estimated Premiums Paid:₹10,23,625

Basic Life Cover (Death Benefit):₹1,00,00,000

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

Returns Performance0.00x Return

Guide to LIC Tech Term Online Plan (Plan 854)

LIC's Tech Term (Plan 854) is a non-linked, non-participating, online pure risk premium term assurance plan. It is designed to provide financial protection to the policyholder's family in case of an untimely demise. Because it is sold exclusively online without agents, it features substantially lower premium rates compared to offline plans like Jeevan Amar.

Plan Eligibility & Key Actuarial Limits

Policy parameter	Details and limits
Minimum Entry Age	18 Years (Completed)
Maximum Entry Age	65 Years
Maximum Maturity Age	80 Years
Minimum Sum Assured	₹50,000 (standard), ₹25,000 (non-smoker)
Maximum Sum Assured	No Limit (subject to underwriting)
Policy Term Range	10 to 40 Years

Tax Benefits & Payout Options

Premiums qualify for Section 80C deductions. The death benefit payout received by the nominee is 100% tax-free under Section 10(10D).

Frequently Asked Questions (FAQs)

Is LIC Tech Term cheaper than Jeevan Amar?

Yes, Tech Term is generally 15-20% cheaper than Jeevan Amar because it is an online-only plan, eliminating intermediary commissions.

What is the difference between Level and Increasing Sum Assured in Tech Term?

Level Sum Assured keeps the cover constant throughout. Increasing Sum Assured increases the cover by 10% of basic SA annually from the 6th to 15th year, capping at 200% of the initial cover.

Can I add riders to LIC Tech Term?

Yes, you can opt for the LIC Accident Benefit Rider by paying an additional premium.

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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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Pune, Maharashtra

Term Insurance

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Chennai, Tamil Nadu

ULIP

3 weeks ago

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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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