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Home » Blog » Term plans » Lic e Term Policy 825 Policy – Review, Benefits, Features

Lic e Term Policy 825 Policy – Review, Benefits, Features

April 1, 2016 By vijay kumar

LIC e Term Plan 825

Contents

  • 1 LIC e Term Insurance Plan 825 Review
  • 2 LIC e Term Policy 825 Parameters
  • 3 LIC e Term Insurance Plan Benefits
  • 4 Additional e Term Plan details
    • 4.1 Lic e Term Policy Rebates
  • 5 Lic e Term Premium Calculator
  • 6 LIC e term 825 Plan Purchase Procedure
  • 7 e Term Policy Sample Data Compared with Amulya Jeevan and Anmol Jeevan
  • 8 Related Lic Term Insurance Plans

LIC e Term Insurance Plan 825 Review

LIC e Term Policy recently released for online buyers. It is a pure LIC online e term insurance plan. Customers can buy this LIC e Term Policy plan no 825 through ONLINE Only. Customers do not have a chance to buy through an agent or lic office. It is a pure lic term plan. Lic e Term Plan introduced by Lic’s Premium which is very less compared to Amulya Jeevan and Anmol Jeevan term insurance policies. This Policy is a traditional Pure Protection Plan. Lic e-Term Plan will not participate in profits so no bonus only sum assured is payable.

You can calculate the Lic e term plan Premium that has to be paid to get all the benefits available under this plan and maturity amount you will get after completion of your maturity period using lic e term premium plan calculator. You can also calculate Cash value, Loan value, Bonuses using e term lic premium calculator. You need to give basic information about Your Name & Age, Policy Period and Sum Assured to calculate premium using lic e term calculator.

LIC e Term Policy 825 Parameters

 Age
  • Minimum Age at Entry: 18 years.
  • Maximum Age at Entry: 60 years.
  • Maximum Coverage Age: 75 years.
Policy Term
  • Minimum Policy Term: 10 years.
  • Maximum Policy Term: 35 years.
Sum Assured
  • Minimum Sum Assured: 25,00,000 /- (25 Lakhs) for  Aggregate Category(Non Smoker and Smoker).
  • Minimum Sum Assured: 50,00,000 /- (50 Lakhs) for Non-Smoker Category.
  • Maximum Sum Assured: No Limit.
Premium Payment Mode
  •  Yearly (only paid through online).

LIC e Term Insurance Plan Benefits

Survival Benefits:

On Survival to the end of the policy term, nothing shall be payable.

Death Benefits:

If Death Occurs during the term of the policy Sum Assured is Payable.

No Bonuses in Term Insurance.

Additional e Term Plan details

Lic e Term Policy divided customers into 2 categories

  1. Aggregate Category: Sum Assured below 50 Lakhs all comes under the aggregate category.
  2. Non-smoker category: Sum Assured above 50 Lakhs Customer has a chance to choose either aggregate or Non-smoker category. In Non-smoker Category premium is less than aggregate category. Non-smoke category customer will have to undergo additional medical test named Urinary Cotinine Test.

Lic e Term Policy Rebates

No Rebates are available in this policy.

Lic e Term Premium Calculator

You can calculate the premium that has to be paid to get all the benefits available to this policy and maturity amount you will get after completion of the policy period using Lic e term Premium and Maturity Calculator.

Name
Email ID
Mobile No
Age
Term
Sum Assured
Category

LIC e term 825 Plan Purchase Procedure

LIC e-Term Policy cannot be purchased through Agent or LIC Office or Intermediate services.

No credit to Agents and Development officers also.

Lic e Term Policy Paid Up Value

No Paid up value in this policy.

Lic e Term Policy Surrender Value

As there is no paid up value in this policy, surrender value is zero.

Lic e Term policy Revivals

If the Premium is not paid within a grace period of 1 month then policy lapses.  He can revive the policy within 2 years from the date of first unpaid premium.

Lic e Term Policy Loan value

No Loan will be provided under this policy.

Suicide clause

No amount will be paid if committed suicide before 1 year from date of commencement of policy.

80% of premium what he paid will be returned to the customer.

Tax Related

Service Tax on Premium: 12.36%

Tax Savings: As per 80c and 10 10D premium is tax exempted. For information about Tax Insurance Policies refer www.taxqueries.in

e Term Policy Sample Data Compared with Amulya Jeevan and Anmol Jeevan

Example: If you have taken this policy for Age of 30 years, Policy term of 20 years and  sum assured as 25 lakhs then,

Premium for Anmol Jeevan 2

for 24 lakhs 8,144 Rs./- [7248 +896 tax]

Premium for Amulya Jeevan 2

for 25 lakhs is 4,607 Rs /-  [4100 + 507 tax]

Premium for Lic e Term Policy

for 25 lakhs is  3,905 Rs/- [3475+ 417+13]

For more details about LIC Money back policy 20 years click on below link.

LIC e Term Policy

Related Lic Term Insurance Plans

Lic Amulya Jeevan 2 policy

Lic Anmol Jeevan 2 policy

Filed Under: Term plans Tagged With: e term lic, lic e term plan review, lic online plans, lic online term insurance, LIC Term Plans, www licindia in

Comments

  1. shri says

    February 27, 2017 at 7:00 pm

    Is this plan is available for 30 yrs female dibitic ( suger ) profile ?

    Is there any income proof is required for this plan ?

    Reply
  2. nsn raju says

    June 23, 2016 at 3:02 pm

    If I buy an e term policy through online how will I get my policy bond or will I get a policy bond?

    Medical test submission and all how can be done? and accidental coverage will be there in this policy

    Kindly let me know these details.

    Reply

    Reply
  3. charan singh says

    May 26, 2016 at 6:18 pm

    If I buy an e term policy through online how will I get my policy bond or will I get a policy bond?

    Medical test submission and all how can be done? If i shall take the online policy then in case of any query if policy is

    applicable then where i contact or takes the help. and e term policy claim procedure please contact me.

    Kindly let me know these details.

    Reply
  4. Balkrishna Bangera says

    May 16, 2016 at 10:50 am

    How & where do i make the medical tests & how do i send you the medical reports. Also how will i be receiving my policy booklet once i purchases by online method the e-term plan?

    Reply
  5. amit r says

    March 14, 2016 at 5:26 pm

    I have 50L term policy with LIC Amulya Jeeven for last 3 yeras.As now E term 825 has come which less premium .I want to buy Eterm 825 for 1 cr. & stop Amulya Jeeven . Will it have any effect on buying new policy ..please suggest..

    Reply
  6. SANJEEV KUMAR VERMA says

    November 23, 2015 at 4:51 pm

    If I buy an e term policy through online how will I get my policy bond or will I get a policy bond?

    Medical test submission and all how can be done?

    Kindly let me know these details.

    Reply

    Reply
  7. ramesh says

    October 28, 2015 at 4:45 pm

    How can I purchase e-term policy of lic..

    How can I get the bond if I buy online. .

    Reply
  8. anu says

    May 29, 2015 at 4:26 am

    If I buy an e term policy through online how will I get my policy bond or will I get a policy bond?

    Medical test submission and all how can be done?

    Kindly let me know these details.

    Reply
    • ramesh says

      October 28, 2015 at 4:42 pm

      Which deaths cover the lic term policies

      Reply
  9. Atul Shewalkar says

    April 7, 2015 at 12:17 pm

    If i shall take the online policy then in case of any query if policy is applicable then where i cintact or takes the help.

    Reply
  10. biman ghosh says

    March 1, 2015 at 7:37 am

    Amar age 24.5lakh taka sum assure korte chai.kato premium dite hobe.

    Reply
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