Editorial Policy

At LICCalculator.info, we are committed to delivering high-quality, accurate, and trustworthy content that empowers users to make better LIC-related financial decisions. Our editorial process is guided by strong principles of accuracy, transparency, independence, and integrity.​

This policy outlines how we create, review, and maintain the content and tools available on our website.

Our Content Purpose

Our mission is to simplify LIC-related calculations and policy information for the general public. Whether you are a new policy buyer or a long-time policyholder, our goal is to offer you easy-to-use calculators and clear explanations of complex LIC concepts.​

We strive to help users understand premium calculations, maturity values, surrender values, and policy benefits through interactive tools and comprehensive guides.​

Content Creation Process

All content on LICCalculator.info, including calculators, blogs, and guides, is:

  • Independently created by our in-house editorial team
  • Based on publicly available LIC documentation, official policy brochures, and bonus rate declarations
  • Written in simple, jargon-free language to help all users understand complex insurance concepts
  • Designed to be informational and educational only, not as financial advice or policy selling

We take inspiration from official LIC resources, policy brochures, and other verified insurance material, but we present the content in a user-friendly and non-official way for better accessibility. Our articles typically range from 2,500-3,000 words to provide comprehensive coverage of each LIC policy and calculator tool.​

Editorial Standards

We follow a strict editorial framework to ensure quality:

Accuracy

Every tool or article is tested for correctness and reviewed multiple times before publication. Calculators are cross-verified with official LIC documentation and tested with multiple scenarios to ensure 90%+ accuracy in estimates.​

Neutrality

We do not promote any specific LIC plan or act as an agent with commercial bias. Our goal is to provide unbiased information that helps users compare policies and make informed decisions based on their individual needs.​

Transparency

If a calculator is based on assumptions or approximations (such as projected bonus rates), it is clearly mentioned on the tool or article page. All limitations and disclaimers are prominently displayed to set proper user expectations.​

Timeliness

Content is periodically reviewed and updated to reflect any changes in LIC policies, bonus rates, GST regulations, or tax benefits. Major policy updates are incorporated within 30 days of official LIC announcements.​

Calculator Development

Our calculators are built using logical formulas derived from general LIC policy structures, official calculation methods, and industry knowledge. They are intended for educational and estimation purposes only.​

While we aim to be as accurate as possible, the values shown by our calculators may not match official LIC figures exactly due to variations in bonus declarations, individual policy terms, and future performance. We always recommend users cross-verify final figures with an LIC representative or branch office before making policy decisions.​

Calculator Features

  • Year-wise maturity projections with bonus breakdowns
  • Premium calculation based on age, term, and sum assured
  • Surrender value estimation with year-by-year breakdown
  • Interactive graphs and downloadable reports
  • Mobile-responsive design for on-the-go calculations

Content Structure and Quality

Every article and calculator page includes:

  • Meta titles optimized to 60 characters for search visibility
  • Meta descriptions between 150-160 characters with clear value propositions
  • FAQ sections with 5-8 commonly asked questions
  • Eligibility tables showing age limits, policy terms, and sum assured ranges
  • Sample illustrations demonstrating policy benefits with realistic scenarios

Content Review Process

  • Every piece of content goes through manual review for clarity, grammatical accuracy, and factual correctness​.
  • Calculators are user-tested and debugged across multiple devices and browsers before going live​.
  • SEO optimization checks ensure content follows white-hat practices and Core Web Vitals standards.
  • We welcome user feedback to continuously improve the accuracy and usability of our tools and content​.

No Sponsored Content or Paid Promotion

We do not accept paid promotions, sponsored posts, or affiliate deals from any insurance company or third-party agents. This ensures our content remains completely independent and impartial.​

If in the future we ever partner with an advertiser or affiliate, such content will be clearly marked and disclosed to the user. Our priority is maintaining user trust through honest, unbiased information.​

Data Privacy and Security

  • No personal information including email addresses or phone numbers is required to use our calculators
  • User inputs remain on their devices and are not stored on our servers
  • We comply with data protection regulations and maintain complete user anonymity
  • Website security is maintained through SSL encryption and regular security audits

Prohibited Practices

LICCalculator.info explicitly prohibits:

  • Misleading claims or guaranteed return promises
  • False urgency tactics or manipulative marketing
  • Misrepresentation of official LIC policies or terms
  • Copyright infringement of LIC’s proprietary materials
  • Unauthorized use of LIC branding or trademarks

Feedback and Corrections

We believe in continuous improvement. If you notice an error or outdated information, please contact us through our website contact form.​

📧 Email : contact@liccalculator.info

We take user feedback seriously and investigate correction requests within 72 hours. Significant corrections are implemented immediately and noted with update timestamps on the respective pages.​

Accessibility and Performance

  • Content is optimized for fast loading times across all devices
  • Calculators function properly with JavaScript and are mobile-responsive
  • Color contrast and typography meet accessibility standards
  • Clear navigation and user-friendly interface design

Attribution and Disclaimers

All content clearly states that:

  • LICCalculator.info is an independent website not affiliated with or endorsed by Life Insurance Corporation of India
  • Calculations are estimates based on historical data and current bonus rates
  • Actual policy benefits may vary based on LIC’s future performance
  • Users should verify all information with official LIC sources before making decisions

Last Updated: January 5, 2026