← Back to all LIC Plans
Plan No. 865Endowment / Income
LIC's Dhan Sanchay
"Accumulate wealth with guaranteed income."
A non-linked, non-participating, individual, life insurance savings plan providing guaranteed income benefit and terminal benefit.
Key Features
- ✓Guaranteed Income Benefit.
- ✓Multiple options for premium payment and payout.
Eligibility Criteria
Minimum Age3 Years
Maximum Age65 Years
Minimum Term5 to 15 Years
Maximum Term5 to 15 Years
Min Sum Assured₹ 2,50,000
Max Sum AssuredNo Limit
Plan Benefits
Death Benefit
Sum Assured on Death.
Survival Benefit
Guaranteed Income during payout period.
Maturity Benefit
Guaranteed Terminal Benefit.
Real-World Example
Profile40-Year-Old Male
Sum Assured₹ 10,00,000
Term Details10 Years (Premium Paying Term: 10 Years)
Annual Premium₹ 1,00,000 / Year
Expected ReturnsGuaranteed Income of ₹ 1,20,000/yr for 10 years after term
How it Works
He invests ₹ 1 Lakh a year for 10 years. From year 11 to 20, LIC pays him a guaranteed ₹ 1,20,000 every year as income, plus a terminal lump sum at the end. Predictable cash flow for post-retirement.