{"id":331289,"date":"2025-12-05T14:10:58","date_gmt":"2025-12-05T14:10:58","guid":{"rendered":"https:\/\/peraltafinancing.com\/business\/insurance\/lic-bonus-rates-2025-a-historic-change-in-valuation-results\/"},"modified":"2025-12-05T14:10:58","modified_gmt":"2025-12-05T14:10:58","slug":"lic-bonus-rates-2025-a-historic-change-in-valuation-results","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=331289","title":{"rendered":"LIC Bonus Rates 2025 \u2013 A Historic Change in Valuation Results"},"content":{"rendered":"


\n<\/p>\n

\n

LIC Bonus 2025<\/span><\/p>\n

Jeevan Umang (Plan 745) \u2014 Whole-Life Bonus Rate Chart<\/h2>\n<\/p>\n

Whole-life participating plan with annual Simple Reversionary Bonus (SRB) and potential FAB at exit. 2025 introduces a Sum Assured slab<\/strong> where SA \u2265 \u20b95,00,000<\/strong> typically earns a higher SRB.<\/p>\n

<\/p>\n

\n

How to read this table<\/p>\n

PPT = Premium Paying Term<\/span> Columns = Policy Term bands (not age)<\/span> Two slabs: SA < \u20b95L<\/strong> and SA \u2265 \u20b95L<\/strong><\/span><\/p>\n

SRB is per \u20b91,000 Sum Assured per policy year. \u201cNA\u201d indicates not applicable for that PPT\/band combo as per LIC table.<\/p>\n<\/div>\n

<\/p>\n

\n

Bonus Rates by PPT & Policy Term Band<\/p>\n

Two-slab Structure (SA < \u20b95L vs SA \u2265 \u20b95L)<\/h3>\n\n\n\n\n\n\n\n\n\n
PPT<\/th>\nSA < \u20b95L<\/th>\nSA \u2265 \u20b95L<\/th>\n<\/tr>\n
Up to 55<\/th>\n56\u201370<\/th>\n71\u201385<\/th>\n86+<\/th>\nUp to 55<\/th>\n56\u201370<\/th>\n71\u201385<\/th>\n86+<\/th>\n<\/tr>\n<\/thead>\n
15 years<\/td>\n\u20b949<\/td>\n\u20b958<\/td>\n\u20b965<\/td>\n\u20b974<\/td>\n\u20b950<\/td>\n\u20b959<\/td>\n\u20b966<\/td>\n\u20b975<\/td>\n<\/tr>\n
20 years<\/td>\n\u20b948<\/td>\n\u20b953<\/td>\n\u20b960<\/td>\n\u20b968<\/td>\n\u20b949<\/td>\n\u20b954<\/td>\n\u20b961<\/td>\n\u20b969<\/td>\n<\/tr>\n
25 years<\/td>\n\u20b947<\/td>\n\u20b948<\/td>\n\u20b954<\/td>\n\u20b963<\/td>\n\u20b948<\/td>\n\u20b949<\/td>\n\u20b955<\/td>\n\u20b964<\/td>\n<\/tr>\n
30 years<\/td>\nNA<\/td>\n\u20b947<\/td>\n\u20b948<\/td>\n\u20b958<\/td>\nNA<\/td>\n\u20b948<\/td>\n\u20b949<\/td>\n\u20b959<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Note: In the 2025 grid, SA \u2265 \u20b95L typically gets +\u20b91<\/strong> vs SA < \u20b95L across most bands. Certain bands effectively show a +\u20b92<\/strong> spread when compared over adjacent ranges, magnifying impact over long durations.<\/p>\n<\/article>\n

<\/p>\n

\n

Quick Math \u2014 What the slab means<\/p>\n

For SA \u20b910,00,000<\/strong>:<\/p>\n

    \n
  • +\u20b91 per \u20b91,000 SA \u21d2 \u20b91,000 extra per year<\/strong> in SRB.<\/li>\n
  • Over 25 years (accumulation), that\u2019s \u20b925,000 more<\/strong> SRB (before FAB).<\/li>\n<\/ul>\n

    Actual maturity depends on total SRB accrued for all eligible years, policy status, and FAB at exit as per LIC\u2019s rules.<\/p>\n<\/div>\n

    Source: LIC Results of Valuation (March 2025). Bonus\/FAB are declared annually and can vary in future valuations.<\/p>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"

    LIC Bonus 2025 Jeevan Umang (Plan 745) \u2014 Whole-Life Bonus Rate Chart Whole-life participating plan with annual Simple Reversionary Bonus (SRB) and potential FAB at exit. 2025 introduces a Sum Assured slab where SA \u2265 \u20b95,00,000 typically earns a higher SRB. How to read this table PPT = Premium Paying Term Columns = Policy Term […]<\/p>\n","protected":false},"author":1,"featured_media":331290,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[94],"tags":[10942,7001,10874,20154,11291,4955,11441],"dealstore":[],"offerexpiration":[],"class_list":["post-331289","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","tag-bonus","tag-change","tag-historic","tag-lic","tag-rates","tag-results","tag-valuation"],"yoast_head":"\nLIC Bonus Rates 2025 \u2013 A Historic Change in Valuation Results - Som2ny Network<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fivemor.com\/?p=331289\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"LIC Bonus Rates 2025 \u2013 A Historic Change in Valuation Results - Som2ny Network\" \/>\n<meta property=\"og:description\" content=\"LIC Bonus 2025 Jeevan Umang (Plan 745) \u2014 Whole-Life Bonus Rate Chart Whole-life participating plan with annual Simple Reversionary Bonus (SRB) and potential FAB at exit. 2025 introduces a Sum Assured slab where SA \u2265 \u20b95,00,000 typically earns a higher SRB. 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