Only males are eligible for the LIC Aadhar Stambh Scheme, which is a participating endowment plan. An adhar cardholder can buy this plan, as the name implies… at the time of the unfortunate event of the Insured’s death, the plan would pay a benefit to the candidate.

Table No.843 is the plan information, the policy type is an endowment, and the UIN is 512N310V01.

How does it work?

The customer must decide on the following when purchasing the LIC Aadhar Stambh Plan:

The Basic Sum Assured is the amount of coverage you desire. You can choose between Rs. 75,000 and Rs. 3,00,000 as a minimum volume.

Policy Term – This is the length of time you want to be protected. The term will last anywhere from ten to twenty years.

Payment Term – The same as the regulation term.

Based on your age, the basic sum assured, and the policy term you want. The sum of your annual premium will be determined.

The LIC Aadhar Stambh Plana dvantages.

In the LIC Aadhar Stambh Plan, there is a death benefit.

  • The nominee will earn the highest of the following if the policyholder dies before the end of the policy term:
  • The Basic Sum Assured is equal to ten times the Annualized Premium.
  • The premiums charged up to the date of death are worth 105 per cent
  • Mentioned premium is excluding tax components and does not include any rider
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If declared, Loyalty Additions would be paid as part of the Death Benefit if the policyholder dies after 5 years.

LIC Maturity Benefit Plan Aadhar Stambh: Maturity would be Basic Sum Assured+Loyalty Addition if the f year term is completed.

Rider for Accidental Benefits (Optional)

Policyholders over the age of 18 may purchase the Accidental bound Rider, which provides an extra amount equal to the basic sum guaranteed in the event of death caused by an accident.


  • Plan for Men Only
  • Plan with a Low Premium
  • Facility for Auto Coverage
  • Under Section 80C, paid premiums are tax-free.
  • Under the age of ten, the maturity amount is tax-free (10D)

Example of LIC Aadhar Stambh Plan

Ranjan, a 30-year-old man, is interested in purchasing this plan. He proceeds with the following strategy:

The sum assured is Rs. 1,00,00 The term is 20 years.

Term of Premium Payment = 20 years

His annual premium is Rs. 7,292 + taxes = Rs. 7,620 based on these criteria. We’ve used a 4.5 per cent tax rate as a starting point.

Benefits on Death

 Scenario 1: If Samrat dies after four years of the policy.

 His nominee receives the highest score in each of the following categories:

  • 1,00,000 Basic Sum Assured
  • The Annualised Premium multiplied by ten equals Rs. 36,460.
  • 105 percent of all premiums charged up to and including the date of death = 105 percent x 4 x 3,646 = Rs. 15,313

The largest of the above is Rs. 1,00,000, which will be awarded to the nominee. No Loyalty Additions will be charged because the scheme hasn’t been in force for five years.

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Scenario 2: Samrat dies after 15 years as a policymaker.

 His nominee receives the highest score in each of the following categories:

  • 1,00,000 Basic Sum Assured
  • The Annualised Premium multiplied by ten equals Rs. 36,460.
  • 105 percent of all premiums paid up to and including the date of death = 105 percent x 15 x 3,646 = Rs. 57,425

The most expensive is Rs. 1,000,000. The package is eligible for Loyalty Additions since it has completed 5 program years. As a result, the candidate will be awarded Rs. 1,00,000 plus Loyalty Additions. Only when the worth of Loyalty Additions is declared can it be determined.

The Advantage of Maturity

Scenario 3: If Anurag lives at the end of the 20-year policy term, he will be paid the Basic Sum Assured + Loyalty Addition as stated in the policy.

Total premiums paid = 76,201 rupees (including taxes)

Basic Sum Assured = 1,00,000 rupees

Loyalty Additions = As mentioned.

LIC Aadhar Stambh Policy Premium Illustration Sample

 For various combinations of age, Amount Assured, and policy word, here are the sample tabular premium rates (inclusive of taxes) payable by a safe, non-tobacco consumer male. For such measures, we have chosen the current applicable tax rate of 4.5 per cent.

Parameters to consider when purchasing a LIC Aadhar Stambh policy

Minimum Maximum
Premium Mode Rebate 2% on yearly,1% on half-yearly & Nil on Quarterly & Monthly
Basic Sum Assured* Rs 75,000 Rs 3,00,000
Policy Term 10 years 20 years
Premium Payment Term As Policy term
Entry Age 8 years (completed) 55 years (nearest birthday)
Maximum Maturity Age 70 years (nearest birthday)
Premium Paying Frequency Annual, Half-yearly, Quarterly or Monthly
Gender Only Male
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For multiple Aadhar Stambh policies given to a person, the total Basic Sum Assured cannot exceed Rs. 3,00,000.

The LIC Aadhar Stambh Plan’s Tax Implications

Premium paid in this plan will be tax-free under section 80x.

Maturity in this plan is Exempted in this plan Under Section 10 (10D) of the Income Tax Act.

Section 10 (10D) of the Income Tax Act exempts death claims received under the plan from taxes.

Additional LIC Aadhar Stambh Policy Benefits

 Free-look Period–If the policyholder is unhappy with the plan, he has 15 days from the date of issuance to cancel it. The premium charged, less any applicable expenditures will be returned upon cancellation.

Grace Period –You have a grace period of 30 days from the premium due date whether you pay the premiums annually, half-yearly, or quarterly. The policyholder gets 15 days grace period is the policy is monthly.

Loan – Once you’ve charged three years’ worth of premiums, you’ll be able to use this scheme.

Riders – By paying an additional premium, you can choose the following rider.

Surrender Value – You will not be repaid if you cancel the contract before paying three years’ worth of premiums. The policy would have a Surrender Value if you have charged premiums for at least three years. Check the LIC Aadhar Stambh Plan Surrender Value.

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