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LICindia Limited Premium Endowment Plan (T-830) Circular

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It is a non-linked plan which offers a combination of protection and savings. This plan provides financial support for the family in case of unfortunate death of the policyholder any time before maturity and a lump sum amount at the time of maturity for the surviving policyholder. It also takes care of liquidity needs through its loan facility.

While you read out the details of this plan do not forget to check out the special GIFT at the end of this post, reserved only for YOU!

Download the Limited Premium Endowment Plan pdf

Circular T-830 pdf and Ready Reckoner T-830

Underwriting GUIDELINES Plan 830

Rating up factor Plan no. 830

Maturity benefit: Basic SA + Reversionary Bonus + Final Additional Bonus
Death Benefit:

  • 125% of Basic SA OR
  • 10 times of Annualised Premium OR
  • 105% of all premiums paid as in death,


Eligibility conditions:

Min. Basic SA : Rs. 3 Lakh

Max. Basic SA: No limit (In multiples of Rs. 10,000)

Policy term: 12, 16 and 21 years

Premium paying term: 8 to 9 years
Min age at entry: 18 yrs (Completed)
Max age at entry:

Term      PPT = 8 years      PPT = 9 years
12                  57                             62
16                  59                             59
21                  54                             54

Higher SA Rebate:

Basic SA                             Rebate (Rs.)

3,00,000 to 4,90,000             Nil
5,00,000 to 9,90,000           0.50%o B.S.A.
10,00,000 to and above       0.75%o B.S.A.

USP (Unique Selling Point) 
1. Latest plan from LIC of India offering ‘WITH-PROFIT” Regular Premium Endowment
2. Maximum age at entry 62 years for 12 years term and 9 years PPT
3. Another interesting USP of this plan is, its appealing IRR rate i.e. 8.94%. Check the calculation given below.

Actual IRR calculation

Bonus circular of 31.3.2014Check out the Limited Premium Endowment Plan Circular T-830 pdf and Ready Reckoner T-830

Underwriting GUIDELINES Plan 830

Rating up factor Plan no. 830

Other LICindia new plans circular and reckoner

Jeevan Rakshak

Jeevan Shagun

Amulya Jeevan

Anmol Jeevan

New Endowment

New Single Premium Endowment

Jeevan Arogya Modified

NOW! Now! It’s time for something interesting. Here, is the GIFT video I had promised you.

If you are an insurance agent then you MUST WATCH this video. Our IOE’s incomparable leader Mr. Amol Sharma (also called as King of Combination plans) gives insights to some of the plans in the market.


6 comments on “LICindia Limited Premium Endowment Plan (T-830) Circular

  1. Hasmukh Sheth
    December 10, 2014

    Really a Good…..


    • harshadavispute
      December 10, 2014

      Hello Hasmukh, We are happy to know you liked our post. You can receive informative articles as and when they are posted on our blog, if you subscribe to our mails. To subscribe, you have to just follow the blog by providing your email id.


  2. Shivrudra Kore
    December 12, 2014

    Very Useful Information with Analysis..


    • harshadavispute
      December 12, 2014

      Hey Shivrudra, thanks 🙂 It feels pleasure to know that our readers are finding our post, useful and valuable.


  3. sunil
    January 3, 2015

    confirm agent commission with do credit


    • harshadavispute
      January 5, 2015

      Hi Sunil. Kindly download the circular from the link provided for the required information.


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