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Plan No. 863Money Back
LIC's Dhan Rekha
"A line of wealth for your family."
A non-linked, non-participating, individual, life assurance savings plan with money-back features and guaranteed additions.
Key Features
- ✓Special premium rates for females.
- ✓Guaranteed additions throughout the term.
Eligibility Criteria
Minimum Age90 Days
Maximum Age60 Years
Minimum Term20, 30, 40 Years
Maximum Term20, 30, 40 Years
Min Sum Assured₹ 2,00,000
Max Sum AssuredNo Limit
Plan Benefits
Death Benefit
125% of Basic Sum Assured + Guaranteed Additions.
Survival Benefit
Periodic payments of 10% or 15% of BSA.
Maturity Benefit
Basic Sum Assured + Guaranteed Additions.
Real-World Example
Profile30-Year-Old Female
Sum Assured₹ 10,00,000
Term Details20 Years (Premium Paying Term: 10 Years)
Annual Premium₹ 95,000 / Year
Expected Returns₹ 1L in 10th & 15th year, plus ₹ 15L Maturity
How it Works
She pays premiums for just 10 years. Gets ₹ 1 Lakh at the 10th and 15th year, and a final maturity of ₹ 15 Lakhs at the 20th year. It provides predictable cash flow while still growing the main corpus.