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September 2023

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LIC Introduces New Plan “LIC’s Dhan Vriddhi” – A Blend of Protection and Savings

LIC’s Dhan VriddhiLIC’s Dhan Vriddhi
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In a strategic move aimed at bolstering its offerings, the Life Insurance Corporation of India (LIC) has unveiled its latest financial product, “LIC’s Dhan Vriddhi (Plan 869)”, effective from June 23, 2023. This unique plan, available for a limited period from June 23 to September 30, 2023, is set to make waves in the insurance sector. The plan’s Unique Identification Number (UIN) is 512N362V01.

A Holistic Approach to Financial Security

LIC’s Dhan Vriddhi, categorized as a Non-Linked, Non-Participating, Individual, Savings, Single Premium Life Insurance plan, offers policyholders a holistic solution combining protection and savings. The plan provides invaluable financial support to the policyholder’s family in the unfortunate event of the life assured’s demise within the policy term. Additionally, it ensures the maturity date brings a guaranteed lump sum payout to the life assured, effectively offering a dual advantage.

Key Features and Flexibility

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This single premium plan is designed to ease the policyholder’s financial commitment, as it eliminates the need for future premium payments and mitigates the risk of policy lapsation. With two distinct options, policyholders can choose a “Sum Assured on Death” equivalent to 1.25 times (Option 1) or 10 times (Option 2) the Tabular Premium for the chosen Basic Sum Assured, subject to eligibility criteria.

Diverse Policy Terms and Entry Age

Tailoring to varying needs, LIC’s Dhan Vriddhi is available for policy terms of 10, 15, or 18 years. The plan accommodates a broad age range, with the minimum entry age ranging from 90 days to 8 years, and the maximum entry age extending from 32 to 60 years, contingent upon the selected term and option.

Guaranteed Additions and Flexibility

The plan features accruing Guaranteed Additions at the end of each policy year throughout the term. Ranging from Rs.60/- to Rs.75/- (Option 1) and Rs.25/- to Rs.40/- (Option 2) per Rs.1000/- of Basic Sum Assured, the Guaranteed Additions are influenced by the chosen option, Basic Sum Assured, and policy term. Opting for a higher Sum Assured enhances the Guaranteed Additions.

Additional Benefits and Accessibility

Policyholders have the option to augment their coverage by availing LIC’s Accidental Death and Disability Benefit Rider and LIC’s New Term Assurance Rider. A Settlement Option provides flexibility by allowing Maturity/Death claims to be availed in monthly, quarterly, half-yearly, or yearly intervals over a span of 5 years. The plan further provides liquidity through a loan facility accessible after 3 months from policy completion.

Ease of Purchase

Prospective policyholders have the convenience of purchasing LIC’s Dhan Vriddhi through offline channels, including agents, intermediaries, and Point of Sales Persons-Life Insurance (POSP-LI), or online via the official website,, subject to specified terms and conditions.

LIC’s Dhan Vriddhi (Plan 869) emerges as a commendable solution for individuals seeking a balanced approach to financial security, presenting a seamless integration of protection and savings within a singular premium policy. With its limited availability, potential policyholders are urged to explore this opportunity within the stipulated timeframe to secure their financial future.

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