The LIC Aadhar Shila Plan 2025 is a specially designed life insurance plan exclusively for women. Offered by the Life Insurance Corporation of India, this policy provides financial protection along with guaranteed maturity benefits. With low premiums, flexible terms, and tax-saving advantages, this LIC plan is already proving to be a smart choice for female policyholders across the country.
What sets the LIC Aadhar Shila Plan 2025 apart is its focus on providing both insurance and savings benefits under one comprehensive package. The plan is now actively available for enrollment and offers a sense of security while allowing policyholders to build a financial corpus over time.
Eligibility & Policy Details
This insurance scheme is available for women who meet the following eligibility criteria:
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Age at entry: 8 to 55 years
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Policy term: 10 to 20 years
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Minimum Sum Assured: ₹75,000
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Maximum Sum Assured: ₹3,00,000
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Policyholders must have an Aadhaar card
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No medical examination required for certain age and sum assured slabs
The plan is ideal for housewives, salaried women, and self-employed individuals looking for a low-risk insurance + savings option backed by LIC.
Premium Details & Payment Options
The premium amount for the LIC Aadhar Shila Plan 2025 is affordable and varies depending on the age, policy term, and sum assured. Policyholders can pay premiums in various modes:
| Premium Payment Mode | Frequency |
|---|---|
| Yearly | Once a year |
| Half-Yearly | Twice a year |
| Quarterly | Four times a year |
| Monthly (ECS/NACH) | Every month |
Here’s an example for a 25-year-old woman with ₹2,00,000 sum assured over 15 years:
| Payment Frequency | Approx. Premium (Excl. Taxes) |
|---|---|
| Yearly | ₹7,650 |
| Monthly | ₹650 |
The plan also includes a grace period and revival option if premiums are temporarily discontinued.
Key Benefits of LIC Aadhar Shila Plan 2025
This unique LIC plan combines life cover, savings, and guaranteed returns. Here are the core benefits:
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Death Benefit: In case of unfortunate demise during the policy term, the nominee receives the Sum Assured on Death + Loyalty Additions.
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Maturity Benefit: On surviving the policy term, the Sum Assured on Maturity + Loyalty Additions is paid.
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Loyalty Additions: Applicable after completing five policy years, adding to overall returns.
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Tax Benefits: Premiums qualify for deductions under Section 80C, and maturity benefits under Section 10(10D).
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Loan Facility: Policyholders can avail loans after three years of premium payment.
This insurance scheme gives long-term financial confidence to women, especially homemakers and first-time policy buyers.
Surrender, Loan & Revival Options
The LIC Aadhar Shila Plan 2025 is flexible and offers several customer-friendly features:
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Surrender: Policy can be surrendered after two years of full premium payment.
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Loan: Loan can be availed against policy after 3 years
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Revival: A lapsed policy can be revived within five years from the date of first unpaid premium.
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Free Look Period: 15 days to review the policy after purchase with a full refund option if not satisfied
These features ensure that the policy remains beneficial and adaptable to changing personal or financial conditions.
Conclusion
The LIC Aadhar Shila Plan 2025 is an ideal investment and protection plan tailored exclusively for women. With a reliable insurance scheme, attractive maturity benefits, and affordable premium amount, it ensures both financial safety and long-term growth. As one of LIC’s most trusted offerings, this plan is now widely opted by women seeking a dependable and tax-saving solution for themselves and their families.
Now is the right time to secure your future with the LIC Aadhar Shila Plan 2025 and enjoy the peace of mind that comes with a guaranteed return and life cover in one plan.
FAQs
What is LIC Aadhar Shila Plan 2025?
It is a non-linked, participating endowment life insurance plan by LIC exclusively for female policyholders, offering savings and protection.
Who is eligible to apply for this plan?
Any woman aged 8 to 55 years with a valid Aadhaar card is eligible to buy this plan.
What is the maturity benefit in this LIC plan?
The policyholder receives the Sum Assured on Maturity along with Loyalty Additions at the end of the policy term.
What is the minimum and maximum sum assured?
The minimum sum assured is ₹75,000, and the maximum is ₹3,00,000 under this scheme.
Can I avail tax benefits under this plan?
Yes, the premium paid is eligible for deductions under Section 80C, and maturity proceeds are exempt under Section 10(10D).
Is medical check-up required for this plan?
No, for lower sum assured limits and younger applicants, no medical test is needed.
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