Best LIC Monthly Investment Plans for Smart Investors in 2025-26

Did you know that several LIC investment plans allow you to start investing with monthly premiums as low as ₹5,000? LIC continues to be one of the most trusted financial institutions in India, with a 5% growth in net profit reaching ₹10,986 crore in Q1 of 2025. Its consistent performance and low-risk profile make it a preferred choice among conservative investors.

In this blog, we list down the top 7 LIC monthly investment plans in detail, covering plan USP, tenure, eligibility, age criteria, and more.

Quick Overview

• 7+ LIC monthly investment plans with minimum sum assured starting ₹1,00,000 and tenure options from 10 to 35 years.
• Monthly instalments begin at just ₹5,000, offering flexibility to pay in quarterly, half-yearly, and yearly modes.
• Avail tax deductions, loan facility, and attractive rider benefits.

List of Best LIC Monthly Investment Plans in 2025-26 

LIC, being, government-backed entity, offers monthly investment plans that have garnered the confidence of thousands of Indian citizens. Here are details of these investment plans:

LIC’s Nav Jeevan Shree

It is a non-par, non-linked, individual savings plan that comes with attractive premium payment terms.

• Plan USP: Guaranteed additions paid as a percentage of the tabular annual premium, and 2 flexible policy term options
• Minimum Sum Assured: ₹5,00,000
• Policy Tenure: 10 to 20 years
• Minimum Entry Age: 30 days (completed)
• Maximum Entry Age: 60 years (nearer birthday) 

LIC's Single Premium Endowment Plan 

Looking for an LIC monthly investment plan​ that requires a single premium? Well, LIC's Single Premium Endowment Plan can be your ideal choice, and it offers the chance to increase protection through rider benefits.

• Plan USP: Single premium plan, high sum assured rebate benefits and death benefit.
• Minimum Sum Assured: ₹1,00,000
• Policy Tenure: 10 to 25 years
• Minimum Entry Age: 30 days (completed)
• Maximum Entry Age: 65 years (last birthday)

LIC's Jeevan Lakshya

LIC’s Jeevan Lakshya Assurance plan is designed to offer an annual Income benefit to the policyholder’s family. It is especially helpful at the time of the policyholder’s unfortunate demise before maturity.

• Plan USP: Death benefit, maturity benefit, along with simple reversionary bonuses and additional bonuses.
• Minimum Sum Assured: ₹1,00,000
• Minimum Entry Age: 18 years
• Maximum Entry Age: 50 years (nearer birthday)
• Policy Tenure: 13 to 25 years

Is keeping money with a 13-year lock-in period difficult for you? Are you looking for a short- or mid-term investment plan? Well, book an FD on the Stable Money and invest your money for as little as 6 months.

LIC's Bima Jyoti 

With LIC’s Bima Jyoti plan, the policyholder not only receives a maturity benefit with a guaranteed addition of ₹50,000 but also avails insurance coverage during any unfortunate event.

• Plan USP: Rider benefits including accidental death, disability benefit, premium waiver benefit rider, etc. and a 30-day grace period to pay premiums.
• Minimum Sum Assured: ₹1,00,000
• Policy Tenure: 15 to 20 years 
• Minimum Entry Age: 90 days completed
• Maximum Entry Age: 60 Years (nearest birthday)

LIC's Jeevan Azad 

When looking for an LIC monthly investment plan that offers income tax benefits, a guaranteed lump sum amount on the maturity date and offline purchasing flexibility, Jeevan Azad can be the best choice. 

• Plan USP: Limited premium payment, loan facility, high sum assured rebate benefit, etc.
• Minimum Sum Assured: ₹2,00,000
• Policy Tenure: 15 to 20 years
• Minimum Entry Age: 30 days (completed)
• Maximum Entry Age: 50 years (considering nearer birthday)

LIC's New Jeevan Anand 

This LIC monthly investment plan offers dual benefits by combining life protection with savings in a single investment policy.

• Plan USP: Death benefit, benefits payable on maturity and rider benefits
• Minimum Sum Assured: ₹1,00,000
• Policy Tenure: 15 to 35 years
• Minimum Entry Age: 18 years
• Maximum Entry Age: 50 years (nearer birthday)

LIC's Jeevan Labh Plan 

LIC's Jeevan Labh is a non-linked endowment plan designed for individuals, offering 3 Premium paying terms: 10 years, 15 years and 16 years.

• Plan USP: Policy term flexibility, LIC’s new critical illness benefit rider, premium waiver benefit rider, loan availability and more.
• Minimum Sum Assured: ₹2,00,000. 
• Minimum Entry Age: 8 years (completed) 
• Maximum Entry Age: 59 years (nearer birthday) for the 16-year policy tenure. 
• Policy Tenure: 16 years, 21 years, 25 years

Note: Every life insurance policy mentioned here offers flexible instalment payment options, not just monthly, but also quarterly, half-yearly, and yearly. The minimum instalment amounts are ₹5,000 per month, ₹15,000 quarterly, ₹25,000 half-yearly, and ₹50,000 yearly.

Benefits of LIC Monthly Investment Plans 

• Most plans offer exciting bonuses to policyholders, including reversionary, interim, and terminal, which are all added to the final payment.
• Investors seeking guaranteed returns can also gain financial security with these plans.
• Individuals can enjoy income tax benefits while earning lucrative returns as per Section 80C of the Income Tax Act.
• These plans offer liquidity, permitting investors to withdraw money in case of emergencies.

Process to Purchase LIC Monthly Investment Plans 

• Step 1: Visit the official website of<a href="https://licindia.in/" target="_blank" rel="nofollow noopener noreferrer">LIC of India</a>
• Step 2: Click on 'Products' from the menu bar. Choose 'Insurance Plans' from the drop-down list.
• Step 3: Select any of the products listed there according to your requirements.
• Step 4: Then, hit the ‘Buy online’ button and make the payment to get coverage. 

Purchasing an LIC monthly investment plan in 2025 ensures guaranteed returns, financial security for your family and the flexibility to invest in a financial instrument with ease. However, many investors consider fixed deposits (FDs) to enhance their savings with the option to withdraw their money when needed.

If you are one of them, book an FD via the Stable Money app. Trusted by 30 lakh+ Indians, this platform offers up to 8.40% annual interest with instant withdrawal facilities.