Check LIC Bonus Rates 2015

About LIC Bonus Rates

Here we have provided the LIC Bonus Rates of Simple Reversionary Bonus, Interim Bonus, Final Additional Bonus and Loyalty Additions. These are the LIC Bonus Rates that have been declared as a result of valuation of the Corporation’s Business as per 2015. These Bonus rates of Lic regarding Interim Bonus, FAB, Loyalty Additions and Simple Reversionary Bonus will apply to participating policies.

Lic Bonus Chart of Simple Reversionary and Interim Bonus

LIC Bonus Rates of Simple Reversionary Bonus and Interim Bonus in respect of participating policies are as given in below table.

Group	Plan	Term	Reversionary Bonus Rate % Sum Assured (**)	Interim Bonus Rate % Sum Assured (**)
		(*)
1	Whole Life type (Plans 2, 5, 6, 8, 10, 28 (Before Conversion), 35, 36, 37, 38, 49,77,78, 85 & 86)		70	70

Group	Plan	Term	Reversionary Bonus Rate % Sum Assured (**)	Interim Bonus Rate % Sum Assured (**)
		(*)
2	Endowment type (Plans  14, 17, 27 (After Conversion), 28 (After  Conversion),  34, 39 40, 41, 42, 50, 54, 79, 80, 81, 84, 87, 90, 91, 92, 95, 101, 102, 103, 109, 110 & 121)	< 11	34	34
		11 to 15	38	38
		16 to 20	42	42
		> 20	48	48
3	New Endowment  (Plan 814)	12 to 15	38	38
		16 to 20	42	42
		> 20	48	48
4	Single Premium     Endowment (Plan 817)	10 to 15	40	40
		16 to 20	45	45
		> 20	50	50
5	Money  Back Assurances (Plans 75 & 93)	20	39	39
		25	44	44
6	New Money Back (Plans  820 & 821)	20	39	39
		25	44	44
7	Jeevan Surabhi (Plans 106, 107 & 108)	15	34	34
		20	41	41
		25	50	50
8	Jeevan Mitra  (Double  Cover plan), Jeevan Saathi, Limited Premium Endowment (Plans 88,  89, 48)	<16	40	40
		16 to 20	44	44
		> 20	48	48
9	Jeevan Mitra (Triple Cover Plan: Plan 133)	<16	40	40
		16 to 20	45	45
		> 20	50	50
10	Jeevan Anand (Plan 149)	<11	37	37
		11 to 15	40	40
		16 to 20	44	44
		>20	48	48

Group	Plan	Term	Reversionary Bonus Rate % Sum Assured (**)	Interim Bonus Rate % Sum Assured (**)
		(*)
11	New Jeevan Anand (Plan 815)	15	40	40
		16 to 20	44	44
		>20	48	48
12	Jeevan Rekha (Plan 152)	<11	49	49
		11 to 15	44	44
		16 to 20	40	40
		>20	34	34
13	Jeevan Anurag (Plan 168)	< 11	38	38
		11 to 15	40	40
		16 to 20	42	42
		> 20	44	44
14	New Jeevan  Suraksha  – I (Plan 147)	< 6	21	21
		6 to 10	27	27
		11 to 15	31	31
		>15	35	35
15	New Jeevan  Dhara – I (Plan 148)	< 6	20	20
		6 to 10	25	25
		11 to 15	28	28
		>15	32	32
16	Jeevan Tarang (Plan 178)	10	47	47
		15	48	48
		20	49	49
17	Jeevan Madhur (Plan 182)	< 11	21	21
		11 – 15	26	26

Group	Plan	Term	Reversionary Bonus Rate % Sum Assured (**)	Interim Bonus Rate % Sum Assured (**)
		(*)
18	Child  Career (Plan 184)	11 to 15	34	34
		16 to 20	38	38
		>20	40	40
19	Child  Future (Plan 185)	11 to 15	38	38
		16 to 20	42	42
		>20	44	44
20	Jeevan Bharti (Plan 160)	15	38	38
		20	40	40
21	Jeevan Shree – I (Plan 162)	10	43	43
		15	44	44
		20	47	47
		25	51	51
22	Jeevan Nidhi  ( Plan 169)	<11	36	36
		11  –  15	38	38
		16  –  20	40	40
		> 20	42	42
23	Jeevan Pramukh (Plan 167)	10	45	45
		15	46	46
		20	49	49
		25	53	53
24	Jeevan Amrit (Plan 186)	10 – 15	30	30
		16 – 20	30	30
		> 20	30	30
25	Jeevan Bharati I (Plan 192)	15	29	29
		20	31	31

(*) PPT (Premium Paying Term) in case of Jeevan Anand (Plan no. 149) and Jeevan Rekha (Plan no. 152); Accumulation period in case of Jeevan Tarang (Plan no. 178); Deferment Period in case of New Jeevan Suraksha – I (Plan no. 147), New Jeevan Dhara – I (Plan no. 148) and Jeevan Nidhi (Plan no. 169).

(**) In the case of New Jeevan Suraksha – I (Plan no. 147) and New Jeevan Dhara – I (Plan no. 148), bonus rates are per thousand Cash Option. In the case of Jeevan Madhur (Plan no. 182), bonus rates are per thousand death benefits SA (sum assured). In the case of Jeevan Amrit Plan, bonus rates are per thousand premium(s) paid.

LIC Bonus Rates of FAB (Final Additional Bonus)

Here we have provided the Lic Bonus Rates of Final Additional Bonus. Along with Simple Reversionary Bonus and Interim Bonus, LIC Bonus chart or LIC Bonus rates of FAB are also declared in respect of participating policies. Final Additional Bonus rates as per 2015 are as given in below table.

Terms in respect  of maturities, discounted maturity claims / Number of years’ premiums paid  in  respect of  claims  by death (#)	Amount    of   Final   (Additional)    Bonus   per Rs 1000/-   Sum  Assured   for  policies  with  sum assured
	Up to 25,000	25,001 to 50,000	50,001 to 1,99,999	2,00,000 and above
15	0	0	10	20
16	0	0	15	25
17	0	10	20	30
18	10	15	25	35
19	15	20	30	50
20	20	25	40	70
21	25	30	50	100
22	30	50	80	150
23	35	100	150	250
24	70	150	230	350
25	170	250	330	450
26	270	350	430	550
27	370	450	540	670
28	470	550	650	790
29	570	650	760	910
30	670	750	900	1100

Terms in respect  of maturities, discounted maturity claims / Number of years’ premiums paid  in  respect   of  claims  by death (#)	Amount of Final (Additional) Bonus per Rs 1000/- Sum  Assured   for  policies  with  sum assured
	Up to25,000	25,001 to50,000	50,001 to1,99,999	2,00,000 and above
31	800	900	1100	1300
32	950	1050	1300	1550
33	1100	1200	1550	1800
34	1250	1350	1700	2050
35	1400	1500	1850	2300
36	1550	1650	2050	2550
37	1700	1800	2250	2800
38	1850	1950	2500	3050
39	2000	2100	2750	3300
40 & above	2150	2500	3000	3550

(#) In the case of death claims under Single  Premium  / Fully   Paid-up  Limited  Premium Payment policies the no.  of years in the 1st  column indicates  the no. of policy years elapsed inclusive of the policy year in which the death takes  place.

Terms in respect of maturities, discounted maturity claims / Number of years’ premiums paid in case of premium paying policies, Duration** elapsed in the case of fully paid up policies in respect of claims by death	Amount of Final (Additional) Bonus Per Rs. 1000/- Sum Assured for policies with Sum Assured
	Up to25,000	25,001 to50,000	50,001 to1,99,999	2,00,000& above
Below 15	0	0	0	0
15 – 19	0	0	15	20
20	0	10	30	40
21 – 24	10	20	30	40
25	40	150	175	225

** Duration = Policy  anniversary following date of claim minus Date of commencement

Policy Term   in respect  of Maturities  / Duration** elapsed in respect of claims by death	Amount of Final (Additional) Bonus Per Rs. 1000/- sum assured for policies with sum assured
	Up to 25,000/-	25,001 to 50,000	50,001 to 1,99,999	2,00,000 and above
Below 15	0	0	0	0
15 – 19	0	0	20	30
20	40	50	75	100
21 – 24	40	80	100	125

** Duration = Policy  anniversary following date of claim minus Date of commencement

We have provided the accurate information about Lic Bonus Rates.