LIC’s New Jeevan Dhara II

A deferred annuity you can buy with a single or regular premium, with 9 annuity options.

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Minimum 18 years (last birthday). Maximum (primary annuitant): 70 minus deferment period for Options…Entry age

Deferment period 2 to 15 years (regular premium); 1 to 15 years (single premium)Policy term

Single premium (Options 10, 11) or regular premium (Options 1-9)Premium paying term

Plan highlights

What this plan gives you

The main features in plain words. The official brochure is the final word on every figure.

Single or regular premium
Top-up premiums allowed (minimum Rs 50,000)
Death cover during deferment at 105%
Joint life options
Loan under return-of-premium options
Salary deduction mode available

The benefit formula for this plan is in LIC’s official brochure. Open it with the button above, or ask me and I will explain it in plain words.

Step by step

How the plan runs

Start the planEntry age: Minimum 18 years (last birthday). Maximum (primary annuitant): 70 minus deferment period for Options 2, 5,….

Pay premiumsSingle premium (Options 10, 11) or regular premium (Options 1-9)

Stay coveredPolicy term: Deferment period 2 to 15 years (regular premium); 1 to 15 years (single premium)

At a glance

Eligibility and plan limits

A quick reference before you discuss a proposal. Underwriting and channel conditions apply.

Plan detail	As per summary
Plan number	892
UIN	512N398V01
Category	Pension Plans
Entry age	Minimum 18 years (last birthday). Maximum (primary annuitant): 70 minus deferment period for Options 2, 5, 6, 7, 9, 10, 11; 65 minus deferment period for Options 1, 3, 4, 8
Policy term	Deferment period 2 to 15 years (regular premium); 1 to 15 years (single premium)
Premium paying term	Single premium (Options 10, 11) or regular premium (Options 1-9)

Quick answers

Questions families ask

What is the entry age?

Minimum 18 years (last birthday). Maximum (primary annuitant): 70 minus deferment period for Options 2, 5, 6, 7, 9, 10, 11; 65 minus deferment period for Options 1, 3, 4, 8

What are the policy term and premium paying term?

Policy term: Deferment period 2 to 15 years (regular premium); 1 to 15 years (single premium). Premium paying term: Single premium (Options 10, 11) or regular premium (Options 1-9).

Will the amounts always be paid exactly as shown here?

This page is a summary. Actual benefits depend on the policy terms, premium payment status, the options chosen, underwriting and LIC’s official benefit illustration. The official brochure is the final word.

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Read LIC’s official brochure, compare the options, and I will help you choose what fits your family.

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This page is a summary. Benefits, eligibility and premiums can change: the official LIC brochure for the plan is the final word, and I will confirm current terms for you.