Jeevan Saral Bonus Rate 2025: Latest Updates and What Policyholders Need to Know
One of the most talked-about life insurance plans among current subscribers is LIC’s Jeevan Saral Plan No. 165. It was taken off the market years ago after being introduced as a flexible endowment plan with appealing risk coverage and savings advantages. Millions of people still have current policies, though, and they are anxiously awaiting information on incentives and payouts at maturity. Here is a concise, up-to-date summary of the Jeevan Saral bonus rate 2025 based on the most recent data.
Understanding Bonuses in LIC Jeevan Saral Plan
Jeevan Saral functions differently from conventional endowment plans, which announce yearly straightforward reversionary bonuses. There are no annual reversionary bonuses for this plan. Rather, it providesLoyalty Additions (LA) – a one-time bonus declared by LIC at the time of maturity or death claim.
- Maturity Benefit: Maturity Sum Assured (MSA) + Loyalty Additions (if any).
- Death Benefit: 250 times the monthly basic premium + Return of all premiums paid (excluding first-year premium and riders) + Loyalty Additions.
Loyalty Additions depend on:
- Policy duration (premium-paying term).
- LIC’s overall performance in the participating fund.
- The Death Benefit Sum Assured or monthly premium band.
LIC declares these rates periodically after actuarial valuations, typically aligned with their annual bonus announcements.
Jeevan Saral Bonus Rate 2025: Current Status
As of late 2025, LIC has announced bonus rates for many participating plans following the March 2025 valuation. These include higher slabs for policies with larger sum assured (e.g., extra ₹1-2 per ₹1,000 for sums above ₹5 lakh or ₹10 lakh in select plans).
However, Jeevan Saral (Plan 165) follows a special structure. No annual reversionary bonus is declared for this plan. Loyalty Additions are only payable on exit (maturity or claim) and are based on the corporation’s experience for such plans specifically.
The regular 2025 bonus declarations do not include particular Loyalty Addition rates for Jeevan Saral, according to recent sources, such as LIC bonus calculators and insurance portals updated for 2025. This is due to the fact that LA rates can change according on the policy’s exit year and are set at the time of claim or maturity.
For policies maturing in 2025 or later:
- Loyalty Additions are non-guaranteed and depend on LIC’s surplus allocation.
- Historical trends show LA rates in the range of ₹800-₹1,200+ per ₹1,000 of Maturity Sum Assured for longer terms (15+ years), but exact figures for 2025 maturities are confirmed only upon claim processing.
- Policyholders should contact their servicing LIC branch for personalized projections, as rates can be influenced by the latest valuation.
How to Estimate Your Jeevan Saral Maturity in 2025
Many online LIC maturity calculators support Jeevan Saral estimates:
- Enter your age at policy start, term, and monthly/annual premium.
- The tool calculates MSA and applies assumed or historical LA rates.
- For accurate 2025 figures, refer to your policy bond or visit an LIC branch – they can provide bonus illustrations based on current trends.
Tip: If your policy is nearing maturity, consider factors like extended risk cover and tax-free proceeds under Section 10(10D).
Why Jeevan Saral Remains Popular Among Holders
Despite being withdrawn, Jeevan Saral offered unique features:
- High death cover (250x monthly premium from early years).
- Flexible premium and term options (10-35 years).
- Smooth liquidity with partial surrender options after a few years.
For existing holders, continuing premiums till maturity often maximizes Loyalty Additions.
Final Thoughts on Jeevan Saral Bonus Rate 2025
Policyholders can anticipate additions based on LIC’s impressive performance, even though the precise Loyalty Addition rates for Jeevan Saral in 2025 aren’t disclosed in the general bonus statement (unlike reversionary bonuses for other plans). For your particular insurance, always confirm with official LIC sources.
For the exact payout, including any relevant Jeevan Saral bonus rate 2025 loyalty enhancements, visit a branch or log into the LIC portal if your Jeevan Saral policy is about to mature.
Keep yourself educated and make sensible financial plans! Contact LIC customer service with any questions.
see also , LIC Maturity calculator