micro insurance
LIC's Micro Bachat
Plan 751UIN 512N329V03
A micro-insurance product currently listed on LIC's official index.
- Plan type: Micro Insurance
- Plan number: 751
micro insurance
LIC's Jan Suraksha
Plan 880UIN 512N388V01
LIC's Jan Suraksha is a current micro insurance product listed on the official LIC India product index.
At a glance
Key highlights
Plan type
micro insurance
Plan number
880
Who should consider this plan?
affordable life protection
Eligibility and policy information
| minimum Entry Age | 18 years (completed) |
|---|---|
| maximum Entry Age | 55 years (nearer birthday) |
| maximum Maturity Age | 70 years (nearer birthday) |
| policy Term | 2. Eligibility Conditions and Other Restrictions |
| premium Paying Term | (PPT) Policy Term minus 5 years |
| minimum Sum Assured | ` 1,00,000 |
| Premium modes | Yearly, Half-Yearly, Quarterly, Monthly |
| Loan available | Yes |
| Surrender available | No |
Benefits and riders
Death benefit
On death of the Life Assured during the policy term provided all due premiums have been paid “Sum “Assured on Death” along with accured Guaran- teed Additions, shall be payable. Where, “Sum Assured on Death” is defined as the higher of: • 7 times of Annualised Premium; or • Basic Sum Assured. The death benefit shall not be less than 105% of total premiums paid as on date of death. Annualized Premium” shall be the premium pay - able in a year chosen by the policyholder, excluding the taxes, rider premiums, underwriting extra pre - miums and loading for modal premiums, if any. “Total Premiums paid” means the total of all premiums paid under the base product, excluding any extra premium and taxes, if collected explicitly. B.
Maturity benefit
On the life assured surviving to the end of the policy term, provided all due premiums have been paid, “Sum Assured on Maturity” along with accrued Guaranteed Additions shall be payable. Where “Sum Assured on Maturity” is equal to Basic Sum Assured. 3 4 Guaranteed Additions under an in-force policy: Under an in-force policy (in which all the due premiums have been paid), the Guaranteed Additions shall accrue at the end of each policy year throughout the policy term. The rate of Guaranteed Additions shall be 4.00% of Total Annualized Premiums in respect of premiums paid. In case any policy is eligible for incentive(s) in terms of increase in Rate of Guaranteed Additions, as specified in Para 7 (viz Incentive for High Basic Sum Assured, Incen- tive for Online), the above mentioned Rate of Guaranteed Additions shall be enhanced by the respec
Official documents
Product source on the Official LIC Website (opens in a new tab)
Important disclaimer
Please refer to the official LIC brochure and policy document for complete terms, conditions, exclusions and current availability.
Last verified: 2026-08-01
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