Plan 801 ULIP Engine 2026

LIC Wealth Plus (Plan 801) Fund Value Calculator

Model LIC's vintage Wealth Plus ULIP. Project fund values across multiple asset classes with built-in life cover.

Wealth Builder: Target equity-linked growth with life cover

Flexible Fund Allocation: Debt, balanced, and equity fund choices

Partial Withdrawal facility active after 5 years

Accident Benefit and Critical Illness rider options

Section 80C tax rebates on premiums paid

LIC Wealth Plus Inputs

LIC Wealth Plus (Plan 801) 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 801

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 Wealth Plus Plan (Plan 801)

LIC's Wealth Plus (Plan 801) is a legacy unit-linked insurance plan designed to facilitate long-term wealth creation. It combines life insurance protection with equity-linked investments, enabling policyholders to switch between various risk-profile funds over the policy term. This calculator is provided for existing policyholders to model current fund positions.

Plan Eligibility & Key Actuarial Limits

Policy parameter	Details and limits
Minimum Entry Age	10 Years
Maximum Entry Age	65 Years
Minimum Premium	₹20,000 (Annualized)
Maximum Premium	No Limit
Policy Term Range	10 to 20 Years

Tax Benefits & Payout Options

Premiums qualify for Section 80C tax benefits. Maturity values are tax-free under Section 10(10D), subject to ULIP regulations.

Frequently Asked Questions (FAQs)

What fund options are available in Wealth Plus?

The plan offers Bond Fund, Secured Fund, Balanced Fund, and Growth Fund options, catering to conservative, moderate, and aggressive risk appetites.

Can I switch funds under Plan 801?

Yes, policyholders can switch their units between the available funds up to 4 times in a policy year without any charge.

What is paid on maturity?

Upon surviving the policy term, the policyholder receives a lump-sum payout of the accumulated Fund Value at the current Net Asset Value (NAV).

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