Life Insurance Corporation of India (LIC) has been a trusted name in the insurance sector for decades. Millions of Indians rely on LIC for financial protection, savings, and long-term investment security. In 2025, LIC continues to offer a wide range of plans that combine life cover with benefits like savings, pensions, child education funding, and tax advantages. Choosing the right policy can be challenging, especially with multiple options available. To make it easier, here is a detailed guide on the top 5 best LIC plans in 2025 that are most popular among policyholders and provide maximum benefits.
Why Choose LIC in 2025
LIC is a government-backed insurance company with a long track record of reliability. Unlike many private insurers, LIC has a vast reach across India, including rural areas, ensuring accessibility for everyone. Its policies not only provide life cover but also help in building long-term savings and financial security. With flexible premium payment options, tax benefits under Section 80C, and bonus facilities, LIC plans remain a preferred choice for both individuals and families in 2025.
1. LIC Jeevan Amar Plan
Jeevan Amar is one of LIC’s flagship term insurance policies. It offers high coverage at very affordable premiums. The plan is designed to provide financial protection to the family in case of the policyholder’s untimely death. Policyholders can choose between level sum assured or increasing sum assured options, depending on their needs. The plan also provides flexibility in choosing premium payment modes such as single, regular, or limited payments. Since it is a pure protection plan, it does not have maturity benefits but offers maximum life cover at minimum cost.
2. LIC Jeevan Labh Plan
Jeevan Labh is a limited premium paying, non-linked, endowment plan that combines savings with protection. It is popular among families who want financial security along with wealth creation. The plan provides a lump sum at maturity, making it suitable for long-term goals like children’s education or marriage. In case of the policyholder’s death during the policy term, the nominee receives the sum assured along with bonuses. This dual benefit of protection and savings makes Jeevan Labh one of the best-selling plans of 2025.
3. LIC New Jeevan Anand Plan
New Jeevan Anand is another highly popular plan from LIC that provides lifelong coverage even after maturity. The plan offers a combination of endowment and whole life assurance. At the end of the policy term, the insured receives the maturity amount, and life cover continues for the rest of their life. In case of death after maturity, the nominee still receives the death benefit. This makes it an excellent choice for people who want both maturity benefits and lifelong protection for their families.
4. LIC Jeevan Umang Plan
Jeevan Umang is a unique plan that provides lifelong income along with insurance coverage. The policyholder receives survival benefits every year after the premium-paying term is over, until the age of 100 years. It also provides a lump sum payout at maturity or on death. This plan is particularly beneficial for individuals looking for a pension-like regular income after retirement along with comprehensive life cover. The combination of lifelong protection, regular payouts, and maturity benefit makes it one of the top LIC plans in 2025.
5. LIC Tech Term Plan
As more investors move towards online platforms, LIC introduced the Tech Term Plan, which can be purchased entirely online without the involvement of agents. It is a pure term plan offering high coverage at competitive premiums. The policy provides flexibility in choosing between level and increasing sum assured, along with options for riders such as accidental death benefit. Since it is online, the premium is generally lower compared to offline term plans. Tech Term has become a preferred choice among young professionals and tech-savvy investors in 2025.
Benefits of LIC Plans in 2025
LIC plans continue to provide a wide range of benefits to policyholders. The primary advantage is financial security for the family in case of an unfortunate event. Many plans combine life insurance with savings, ensuring long-term wealth creation. Most policies are eligible for bonuses, which increase the maturity value. Premiums paid qualify for deductions under Section 80C, while maturity and death benefits may be tax-free under Section 10(10D), subject to rules. With flexible premium terms, policyholders can choose plans according to their financial capacity and goals.
How to Choose the Right LIC Plan
When selecting a LIC plan, individuals should first assess their financial needs. For pure protection, term plans like Jeevan Amar and Tech Term are best. For those seeking savings and maturity benefits, Jeevan Labh and New Jeevan Anand are more suitable. Individuals planning for retirement or lifelong income should consider Jeevan Umang. Age, income, family responsibilities, and future goals should guide the decision. Consulting an LIC advisor or using the official LIC calculator can also help in comparing plans and premiums.
Conclusion
LIC continues to dominate the life insurance sector in India with its trusted and diverse range of products. In 2025, the top five plans—Jeevan Amar, Jeevan Labh, New Jeevan Anand, Jeevan Umang, and Tech Term—stand out for their popularity and benefits. Whether one is looking for simple protection, long-term savings, or lifelong income, LIC has a plan to meet every need. For individuals and families seeking maximum benefits along with government-backed security, these LIC plans remain among the best choices available today.
Disclaimer
The information provided in this article is for general awareness only and should not be considered as financial or insurance advice. Features, benefits, and premium rates of LIC plans may change as per updates from the Life Insurance Corporation of India or government regulations. Prospective policyholders are advised to verify the latest details from the official LIC website or consult a licensed insurance advisor before making any investment or purchase decision.
