Life Insurance Corporation of India, or LIC, offers many plans to help people secure their family’s future. The LIC All in One Premium Calculator is a handy online tool that lets you figure out premiums and benefits for almost all LIC policies in one place.

It saves time for anyone planning insurance, whether you’re buying a new policy or checking an old one.

What is LIC All in One Premium Calculator?

This calculator is like a one-stop shop for LIC policy numbers. You pick a plan and enter your age, sum assured, and term, and it shows the premium you need to pay each year, month, or even as a single lump sum.

Sites like liccalculator.info and insurance21.in have versions of it, launched around 2020-2021, to help users with quick estimates. No need to visit a branch or call an agent every time; just use your phone or computer.

It’s free, easy, and shows extras like GST on premiums and rider costs too.

Why Use This Calculator?

Planning insurance can feel overwhelming with so many options. This tool makes it simple by giving instant results, so you compare plans without hassle.

For example, if you’re a 30-year-old looking at an endowment plan for 20 years with a 5 lakh sum assured, it spits out the yearly premium right away. You see the total paid over time and what you might get back at maturity.​

Agents and customers love it because it includes maturity estimates with bonuses, helping you decide if the plan fits your budget.

Launch and Withdrawal Details

The all-in-one premium calculator concept started gaining popularity around 2020 with apps and websites for LIC agents. One popular app version launched in late 2020 or early 2021, as seen in YouTube tutorials from that time.

Websites like liccalculator.info added their version by October 2025. No official withdrawal date exists since it’s not an LIC product; these are third-party tools that keep updating with new plans. LIC’s own calculators on licindia.in stay current, but all-in-one third-party ones have no set end date.

Key Features of the Calculator

You get options for all major LIC categories: endowment, money-back, term, pension, and ULIPs.

It handles riders like accidental death benefit or premium waiver, adding their cost separately. Premium modes include yearly, half-yearly, quarterly, monthly, or single pay, with GST included.

Bonus estimates and maturity projections make it complete, not just a premium, but a full picture.

How Does It Work?

The calculator uses LIC’s tabular premium rates based on your age, policy term, and sum assured. For instance, it multiplies the rate per thousand sum assured by your coverage amount.

Enter details like date of birth (it picks the nearest or last birthday method), gender, and smoker status if needed. Hit calculate, and you see a breakdown table instantly.

It’s approximate since actual premiums depend on underwriting but very close for planning.

Step-by-Step Guide to Use It

First, go to a site like liccalculator.info or insurance21.in.

Step 1: Choose your plan category, say endowment, then pick like the New Jeevan Anand Plan 915.

Step 2: Enter age, sum assured (say 10 lakhs), and policy term (15-25 years).

Step 3: Select a premium-paying term if limited, and a payment mode.

Step 4: Add riders if wanted, like accidental death for extra cover.

Step 5: Click ‘calculate’. Review the table for premiums, total outlay, and maturity estimate.

Download or share the result as an image for your records.

Sample Premium Table

Here’s an example table for a 30-year-old male, non-smoker, with a 10 lakh sum assured and a 20-year term on Jeevan Anand Plan 915 (tabular rates approximate).

Payment Mode	Base Premium	GST (18%)	Total Premium
Yearly	₹60,050	₹10,809	₹70,859
Half-Yearly	₹30,785	₹5,541	₹36,326
Quarterly	₹15,502	₹2,790	₹18,292
Monthly	₹5,097	₹917	₹6,014
Single	N/A	N/A	N/A

Add ₹5,000-10,000 yearly for riders. Maturity could be 18-20 lakhs with bonuses.

Benefits for Different Users

For young buyers in their 20s, it shows low premiums for high cover, great for starting savings.

Parents use it for child plans like Jeevan Tarun, seeing money-back benefits clearly. Retirees check pension plans like Jeevan Akshay for steady income.

Agents send quotes via WhatsApp straight from the app version. Everyone saves time and avoids mistakes.

Popular LIC Plans in the Calculator

Endowments like New Endowment 714, Jeevan Anand 715 for savings plus life cover.

Money-back: New Money Back 720 gives survival benefits every few years. Term plans: New Jeevan Amar 955 for pure protection at low cost.

Pension: Jeevan Utsav 771 for post-retirement payouts. ULIPs like Nivesh Plus for market-linked growth.

Adding Riders Explained

Riders boost protection. Accidental Death Benefit doubles the payout if death by accident adds little to the premium.

A premium waiver pays future premiums if you die or get disabled. A term rider gives extra term cover cheaply.​

The calculator shows the exact add-on cost, so you pick what fits.

Understanding Maturity and Bonuses

Maturity is sum assured plus vested bonuses minus nothing if full premiums are paid. Bonuses are declared yearly by LIC, around 40-50 per thousand recently.

For a 10-lakh policy over 20 years, bonuses could add 8-12 lakhs. Use the calculator’s estimate, but check the policy bond for the exact amount.

Tax Benefits with the Tool

Premiums up to 1.5 lakh qualify under 80C. Maturity is tax-free under 10 (10D) if conditions are met.

Calculators often show tax saved yearly, helping plan better.

Common Mistakes to Avoid

Don’t forget GST – it’s 4.7% in the first year and 2.25% later for life insurance. Use the correct age method per plan.

Overlook rebates for high sum assured (2-5% off). Always verify with the LIC agent for medical tests or extras.

Mobile Apps for All in One Calculator

Apps like “All in One Calculator” on the Play Store, launched around 2018, updated to 2025 with new plans. Features: plan comparison, PDF quotes.

Great for agents on the go, but check for the latest bonus rates.

Comparing with Other Calculators

An LIC official on licindia.in is basic per plan. Policybazaar has good ones but pushes sales. An all-in-one third party is best for quick multi-plan checks.

Real-Life Examples

Raj, 35, used it for 15 lakh Jeevan Lakshya, seeing a monthly premium of ₹8,500 and a maturity of ~25 lakh. Priya, 28, compared term vs endowment and picked term for lower cost.

Saves regrets by showing the long-term picture.

Tips for Accurate Results

Update with the latest bonus rates from the LIC site. Enter the exact DOB for age. Try different sums/terms to find the best fit.

Consult the agent for health declarations.

Future Updates Expected

With new plans like Amritbaal 774, calculators add them fast. IRDAI changes on GST or bonuses are reflected quickly.

FAQs

Conclusion

The LIC All in One Premium Calculator makes insurance planning straightforward and fun. Use it to pick the right plan, understand costs, and secure your future without confusion. Start calculating today for peace of mind tomorrow.