LIC offers a structured range of insurance plans designed to match different life stages, risk profiles and financial goals, from simple savings‑cum‑protection to pure term and riders. The portfolio is organised into four broad groups: Endowment/Savings Plans, Whole Life & Lifetime Income Plans, Money‑back & Guaranteed Returns Plans, Term Insurance Plans, and Riders.​

1. Endowment & Savings Plans

These plans combine life cover with long‑term savings, paying a lump sum on maturity or on death during the term.

• LIC’s Single Premium Endowment Plan (Plan 717, UIN 512N283V03): One‑time premium payment with endowment benefits and life cover for the chosen term, suitable for lump‑sum investors.​
• LIC’s New Endowment Plan (Plan 714, UIN 512N277V03): Traditional regular‑premium endowment plan for goal‑based savings plus protection.​
• LIC’s New Jeevan Anand (Plan 715, UIN 512N279V03): Endowment plan where cover continues even after maturity, combining corpus creation with whole‑life protection.​
• LIC’s Jeevan Lakshya (Plan 733, UIN 512N297V03): Family‑oriented savings plan designed to protect future goals (especially for children) with income‑plus‑lump‑sum structure on death.​
• LIC’s Jeevan Labh Plan (Plan 736, UIN 512N304V03): Limited‑premium endowment (shorter premium paying term, longer policy term) for those who want to finish paying earlier.​
• LIC’s Amritbaal (Plan 774, UIN 512N365V02): Child‑focused savings and protection plan aimed at education and future milestones.​
• LIC’s Bima Jyoti (Plan 760, UIN 512N339V03): Non‑linked, savings plan with guaranteed additions, for investors preferring high certainty of maturity value.​
• LIC’s Jeevan Azad (Plan 768, UIN 512N348V02): Savings plan offering limited premium term and guaranteed benefits, positioned for medium‑term goal planning.​
• LIC’s Nav Jeevan Shree (Plan 912, UIN 512N387V01): Regular‑premium endowment plan with current design features aligned to new product norms.​
• LIC’s Nav Jeevan Shree – Single Premium (Plan 911, UIN 512N390V01): Single‑premium version for one‑time investors seeking endowment‑style benefits.​

2. Whole Life & Lifetime Income Plans

These plans focus on long‑term or whole‑life protection, often with income features.

• LIC’s Jeevan Umang (Plan 745, UIN 512N312V03): Whole‑life income plan offering regular survival benefits after a deferment period, plus lifetime cover, suitable as a long‑term income‑plus‑legacy tool.​
• LIC’s Jeevan Utsav (Plan 771, UIN 512N363V02): Non‑linked, non‑participating plan that provides guaranteed lifetime income options with coverage up to high ages, useful for retirement‑style income and legacy planning.​

3. Money‑Back & Guaranteed Benefit Plans

These provide periodic payouts during the term along with protection.

• LIC’s Bima Shree (Plan 748, UIN 512N316V03): High‑value, money‑back‑cum‑savings plan designed for HNI customers, with guaranteed additions and periodic survival benefits.​
• LIC’s New Money Back Plan – 20 Years (Plan 720, UIN 512N280V03): Traditional 20‑year money‑back plan with regular survival payouts and maturity benefit, suitable for medium‑term goals.​
• LIC’s New Money Back Plan – 25 Years (Plan 721, UIN 512N278V03): Longer‑term money‑back variant with periodic payouts and life cover.​
• LIC’s New Children’s Money Back Plan (Plan 732, UIN 512N296V03): Child‑oriented money‑back plan that pays benefits at key milestone ages, plus protection.​
• LIC’s Bima Ratna (Plan 764, UIN 512N345V02): Non‑linked, savings, money‑back‑type plan with guaranteed additions and survival benefits, suited for families wanting periodic liquidity plus maturity corpus.​

4. Term Insurance & Credit Life Plans

These are pure risk or largely protection‑focused products with no or minimal savings.

• LIC’s Digi Term (Plan 876, UIN 512N356V02): Online term insurance plan offering large life cover at relatively low premium for individuals.​
• LIC’s Digi Credit Life (Plan 878, UIN 512N358V01): Term cover linked to loans/credit, protecting lenders and borrowers by clearing outstanding debt on death.​
• LIC’s Yuva Credit Life (Plan 877, UIN 512N357V01): Credit life cover targeted at younger borrowers.​
• LIC’s Yuva Term (Plan 875, UIN 512N355V02): Term insurance plan focused on younger lives, usually with competitive rates for early‑age entry.​
• LIC’s New Tech‑Term (Plan 954, UIN 512N351V02): Online, non‑linked, non‑participating pure term cover for tech‑savvy buyers wanting high protection at low cost.​
• LIC’s New Jeevan Amar (Plan 955, UIN 512N350V02): Offline term insurance plan with options like level/increasing sum assured and different premium payment choices.​
• LIC’s Saral Jeevan Bima (Plan 859, UIN 512N341V01): Standardised term insurance product as per IRDAI guidelines, designed to be simple and easy to compare across insurers.​

5. Riders (Add‑on Covers)

Riders enhance base policies by adding specific risk benefits for a small extra premium.

• LIC’s Accident Benefit Rider (UIN 512B203V03): Provides additional benefit on death due to an accident, when attached to eligible base plans.​
• LIC’s Premium Waiver Benefit Rider (UIN 512B204V04): Waives future premiums on specified events (e.g., death or disability of proposer) while keeping the policy in force, especially useful in child plans.​
• LIC’s Accidental Death & Disability Benefit Rider (UIN 512B209V02): Offers extra amount on accidental death and specified disability events, helping with income replacement and medical costs.​
• LIC’s New Term Assurance Rider (UIN 512B210V02): Adds extra term cover on top of base sum assured for enhanced protection.​
• LIC’s Linked Accidental Death Benefit Rider (UIN 512A211V02): Accidental death rider attachable to eligible linked products, offering additional amount on accidental death.​

How to Use This Line‑up in Planning

• For protection‑only needs, prioritize term plans like New Tech‑Term, New Jeevan Amar, Digi Term, or Saral Jeevan Bima based on buying preference (online/offline, standard vs customizable).​
• For combined savings and protection, choose from Endowment/Savings or Money‑back plans based on whether you want lump sum at maturity (e.g., New Endowment, Jeevan Labh, Bima Jyoti) or periodic payouts (Bima Ratna, Money Back Plans).​
• For long‑term income and legacy, consider Jeevan Umang or Jeevan Utsav as lifetime income solutions alongside a pure term plan.
• Use riders strategically to fill specific risk gaps (accident, disability, premium waiver) rather than buying multiple overlapping policies.​

The product list and UINs on LIC’s “Insurance Plans” page were last updated on 10 July 2025, so always cross‑check current availability, features and eligibility through the latest brochures or our LIC advisor before finalizing recommendations.