LIC Jeevan Labh continued to be popular among long-term investors, with a promise of having insurance protection and disciplined saving at the same time in 2025. It is specially meant for those who are after steady returns with low risk, and there is an illustration given: that an investment of around ₹2,000 per month will allow the accumulation of maturity value up to about ₹13.12 lakh over the policy term.
Understanding the Investment Structure
LIC Jeevan Labh is originally a limited premium, non-linked endowment plan. Every other thing rightly goes to show that the amount is paid by the policyholder for a fixed period of years to get life cover until a slightly extended duration. Lastly, when investing approximately around ₹2,000 every month, the annual premium comes up to roughly ₹24,000, depending on the age, PG term, and sum assurance chosen during purchase.
How the ₹13.12 Lakh Maturity Is Achieved
Out of the total maturity amount of Rs. 13.12 lakh, the loyalty additions are only payable upon maturity subject to the company’s life fund valuation. These loyalty additions get declared depending on the corporation’s performance and are added to the guaranteed amount when the policy is successfully concluded. Since Jeevan Labh does not invest in the stock market like the ULIPs, returns are quite consistent and not affected by market volatility.
Life Cover Plus Savings
One of the major benefits of Jeevan Labh is the provision of financial security along with savings. In the event of the death of the policyholder during the term of the policy, the nominee would be given the death benefit consisting of the sum assured and relevant bonuses or additions. In this case, the family is further financially secured while the policyholder can continue to build long-term wealth.
For Whom is This Plan Suitable
LIC Jeevan Labh is well-suited for salaried individuals, self-employed professionals, and beginner investors who prefer guaranteed returns over risk-based investments. It is good for individuals who are planning for long-term goals, such as children’s education, marriage planning, or corpus creation for retirement, particularly for those who appreciate the feeling of consistency in safety.
A Long-Term Financial Discipline
Stocking up regular savings through monthly investments of just ₹2,000, a LIC Jeevan Labh policyholder learns the benefits of long-term financial discipline. Over an extended period, this regime can create a fair corpus while providing protection through life insurance.