LIC New Money-Back Plan 25 Years (721) — Premium & Calculator
LIC New Money-Back Plan-25 (721) spreads guaranteed payouts across a longer 25-year term while keeping full life cover — ideal for staggered future needs. See your premium below.
Calculate my premium →About LIC New Money-Back Plan 25 Years (721)
LIC New Money-Back Plan-25 is a participating, non-linked money-back plan with a 25-year term. Survival benefits are paid at the end of the 5th, 10th, 15th and 20th years, and the remaining sum assured with bonuses is paid at maturity, giving regular liquidity across a long horizon.
As with all LIC money-back plans, the full Sum Assured is payable on death irrespective of any survival benefits already received, so protection stays intact.
Key details at a glance
| Plan type | Participating Money-Back |
| Entry age | 13 to 45 years |
| Policy term | 25 years (premiums for 20 years) |
| Minimum sum assured | ₹ 1,00,000 |
| GST on premium | Nil (exempt from 22 Sep 2025) |
Benefits
- Four money-back payouts: survival benefits at the end of years 5, 10, 15 and 20.
- Maturity benefit: remaining sum assured proportion + vested bonuses + Final Additional Bonus.
- Undiminished death cover: full Sum Assured on Death plus bonuses, not reduced by earlier payouts.
- Limited premium: premiums payable for 20 years for the 25-year term.
How much is the premium?
The premium depends on your age, the term or paying period you choose, and the sum assured. The figures here come from LIC’s own official rate tables, so they match LIC’s quotation to the rupee.
Frequently asked questions
What is the payout schedule?
Money-back at the end of years 5, 10, 15 and 20, with the balance and bonuses at maturity (year 25).
How long do I pay premiums?
For 20 years, while the policy runs for 25 years.
What is the entry age range?
13 to 45 years at entry.
Is GST added?
No — GST on individual life insurance was removed from 22 September 2025.
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Disclaimer: BimaJaano is an independent tool and is not affiliated with the Life Insurance Corporation of India. Premium figures are based on LIC’s published tabular rates and are for guidance; benefit descriptions are summaries of the plan’s official terms. Confirm exact figures and features with LIC before buying.