Life Insurance Corporation of India (LIC) has been a leader in the life insurance sector in India for a long time. After the GST waiver in 2025, interest in buying LIC policies has increased. According to the new rules from the central government, LIC premiums are now discounted by 18 percent. Because of this change, investors are looking for the best LIC investment plans to get high returns with security.
However, while many people want to buy LIC policies, they are often unsure which ones will be most profitable. This report highlights the top 5 LIC policies based on the needs, preferences, and financial capacity of customers.
Top 5 Life Insurance Policies in India
LIC’s policies help in family financial security, wealth creation, and retirement planning. Here are the best LIC policies in India that offer high returns. This report compares LIC policies to help you choose the right one.
Why LIC Policies Are Popular in 2025
After the GST waiver, investing in LIC policies has become more profitable. High coverage is now available at a lower cost. These policies increase returns through bonuses and guaranteed additions. In 2025, demand for LIC policies has grown as they help in long-term wealth creation. Investors are now looking for LIC’s high-return plans. This list highlights five LIC policies that balance protection and profit.
LIC Jeevan Umang Policy
LIC Jeevan Umang Policy provides life cover up to 100 years. Regular income starts after the premium payment period ends. It offers a survival benefit of 8% of the sum assured per year, which increases returns. Bonuses and guaranteed additions make it a high-return policy. After the GST waiver, its cost has reduced, making it a top choice for retirement planning. This policy is suitable for those who want regular income and life protection.
LIC Jeevan Anand Policy
LIC Jeevan Anand Policy is a hybrid plan combining endowment and whole life insurance. Policyholders get a large sum at the end of the term, and the life cover continues after death. Bonus benefits increase the maturity amount, ensuring high returns. After the GST waiver, its premium has decreased, making it more profitable. It is ideal for long-term savings and family protection. This is one of the most popular LIC policies in India due to its flexibility and security.
LIC Bima Jyoti Policy
LIC Bima Jyoti Policy is a savings plan with a guaranteed addition of Rs. 50 per 1,000 sum assured every year. It offers a lump sum at maturity along with a death benefit. The bonus system helps increase returns. After the GST waiver in 2025, the investment value of this policy has improved. It is ideal for middle-class families because of its simplicity and high returns.
LIC Jeevan Labh Policy
LIC Jeevan Labh Policy is a limited premium endowment plan that offers high maturity benefits. It has a short premium payment period but provides long-term cover and bonuses. The rate of return is usually 6–7%, which is higher than many other policies. After the GST waiver, the reduced premium has made it more attractive. This policy is useful for building wealth for children’s education or marriage. It is considered one of the most profitable LIC policies.
LIC Index Plus Policy
LIC Index Plus Policy is a ULIP linked to the stock market, offering the potential for high returns. It can grow profits by investing in funds like NIFTY 50. With guaranteed additions and market growth, returns can reach 8–10%. After the GST waiver, premiums are lower, making it appealing for investors willing to take some risk. This policy also allows fund switching to optimize returns. Additional protection can be added using LIC policy riders.
Why LIC Policies Are Popular
LIC policies are popular due to their credibility and government backing. They provide a balance of protection and returns. The GST waiver has reduced costs, attracting more people. LIC’s wide network and customer service make it a preferred choice. Investors can select the premium and sum assured according to their needs. This flexibility makes LIC policies one of the most preferred life insurance options in India.