{"id":315869,"date":"2025-11-24T15:29:55","date_gmt":"2025-11-24T15:29:55","guid":{"rendered":"https:\/\/peraltafinancing.com\/business\/insurance\/lic-bima-lakshmi-plan-881-explained-a-powerful-women-centric-plan-with-guaranteed-returns\/"},"modified":"2025-11-24T15:29:55","modified_gmt":"2025-11-24T15:29:55","slug":"lic-bima-lakshmi-plan-881-explained-a-powerful-women-centric-plan-with-guaranteed-returns","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=315869","title":{"rendered":"LIC Bima Lakshmi (Plan 881) Explained \u2014 A Powerful Women-Centric Plan with Guaranteed Returns"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div id=\"\">\n<tr>\n<td><strong>Plan Type<\/strong><\/td>\n<td>Non-Linked, Non-Participating, Limited Premium, Money-Back Plan (for women only)<\/td>\n<\/tr>\n<tr>\n<td><strong>Minimum Sum Assured<\/strong><\/td>\n<td>\u20b9 2,00,000<\/td>\n<\/tr>\n<tr>\n<td><strong>Maximum Sum Assured<\/strong><\/td>\n<td>No upper limit (subject to underwriting)<\/td>\n<\/tr>\n<tr>\n<td><strong>Policy Term<\/strong><\/td>\n<td>Fixed at 25 years<\/td>\n<\/tr>\n<tr>\n<td><strong>Premium Paying Term (PPT)<\/strong><\/td>\n<td>7 to 15 years \u2014 selectable at inception<\/td>\n<\/tr>\n<tr>\n<td><strong>Entry Age (Life Assured)<\/strong><\/td>\n<td>Minimum \u2013 8 years (completed)<br \/>Maximum \u2013 55 years (depending on PPT)<\/td>\n<\/tr>\n<tr>\n<td><strong>Maximum Maturity Age<\/strong><\/td>\n<td>Up to 80 years (nearest birthday)<\/td>\n<\/tr>\n<tr>\n<td><strong>Mode of Premium Payment<\/strong><\/td>\n<td>Yearly, Half-Yearly, Quarterly, or Monthly (ECS\/NACH)<\/td>\n<\/tr>\n<tr>\n<td><strong>Eligible Lives<\/strong><\/td>\n<td>Female lives only \u2014 including minor girls (policy held by guardian until age 18)<\/td>\n<\/tr>\n<tr>\n<td><strong>Loan Facility<\/strong><\/td>\n<td>Available after payment of one full year\u2019s premium<\/td>\n<\/tr>\n<tr>\n<td><strong>Surrender Value<\/strong><\/td>\n<td>Acquires Surrender Value after two full years\u2019 premiums paid<\/td>\n<\/tr>\n<tr>\n<td><strong>Auto Cover Feature<\/strong><\/td>\n<td>Life cover continues automatically for two years after premium default (if 3 full premiums paid)<\/td>\n<\/tr>\n<tr>\n<td><strong>Deferment of Survival Benefits<\/strong><\/td>\n<td>Survival Benefits can be deferred for later payout with additional guaranteed return<\/td>\n<\/tr>\n<tr>\n<td><strong>Female Critical Illness Rider<\/strong><\/td>\n<td>Optional \u2014 three profiles (P1, P2, P3) with combined maximum benefit up to \u20b9 5 lakh<\/td>\n<\/tr>\n<tr>\n<td><strong>Other Riders<\/strong><\/td>\n<td>Accident Benefit, Accidental Death &amp; Disability Benefit, New Term Assurance Rider<\/td>\n<\/tr>\n<tr>\n<td><strong>Restrictions<\/strong><\/td>\n<td>No participation in bonuses; plan available only for female lives; option selection (A\/B\/C) must be made at inception and cannot be changed later.<\/td>\n<\/tr>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Plan Type Non-Linked, Non-Participating, Limited Premium, Money-Back Plan (for women only) Minimum Sum Assured \u20b9 2,00,000 Maximum Sum Assured No upper limit (subject to underwriting) Policy Term Fixed at 25 years Premium Paying Term (PPT) 7 to 15 years \u2014 selectable at inception Entry Age (Life Assured) Minimum \u2013 8 years (completed)Maximum \u2013 55 years [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":315870,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[94],"tags":[145205,11385,9344,2557,20154,10933,7289,10970,145206],"dealstore":[],"offerexpiration":[],"class_list":["post-315869","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","tag-bima","tag-explained","tag-guaranteed","tag-lakshmi","tag-lic","tag-plan","tag-powerful","tag-returns","tag-womencentric"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - 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