Complete LIC New Money Back Plan 20 Years plan analysis
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LIC New Money Back Plan 20 Years in Pune
Everything You Need to Know About LIC New Money Back Plan 20 Years – Explained by Pune's LIC Expert
LIC New Money Back Plan 20 Years (Plan 820) is a participating money back policy that provides the dual benefit of life insurance protection and periodic cash returns during the policy term — making it ideal for Pune residents who need regular liquidity at planned intervals while maintaining life cover.
Under this plan, survival benefits of 20% of the basic sum assured are paid at the end of the 5th, 10th, and 15th policy years. At maturity (end of 20th year), the remaining 40% of sum assured plus all accrued simple reversionary bonuses and final additional bonus is paid. In case of death during the policy term, the full basic sum assured plus bonuses is paid to the nominee regardless of survival benefits already paid.
Pune clients use this plan strategically to fund planned expenses — a child's school fees at year 5, a family vehicle at year 10, a home renovation at year 15, and a substantial lump sum at year 20. Our advisors help structure the sum assured to match actual planned expense amounts. Call +91-81089 19187 for a free premium calculation in Pune.
Pune clients who enrolled in LIC New Money Back Plan 20 Years through our advisory share their experience.
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What is LIC New Money Back Plan 20 Years?
LIC New Money Back Plan 20 Years (Plan 820) provides life cover for 20 years with survival benefits of 20% of basic sum assured paid at years 5, 10, and 15. At maturity (year 20), 40% of sum assured plus all accrued bonuses is paid. Death benefit is full sum assured plus bonuses regardless of survival benefits paid.
What are the survival benefits in LIC New Money Back Plan 20 Years?
For a ₹10 lakh sum assured: ₹2 lakh at year 5, ₹2 lakh at year 10, ₹2 lakh at year 15. At maturity (year 20): ₹4 lakh + all accrued bonuses. Total includes ₹6 lakh in periodic payouts plus ₹4 lakh + bonuses at maturity. Our Pune advisor will calculate exact amounts for your chosen sum assured.
Is LIC New Money Back Plan 20 Years good for a 30-year-old in Pune?
Yes. For a 30-year-old in Pune, the 20-year money back plan provides periodic payouts at ages 35, 40, and 45 — aligned with typical major life expenses — plus a maturity benefit at age 50 that can fund retirement planning. Our Pune advisor will calculate the exact premium and benefit schedule for your age.
What is the entry age for LIC New Money Back Plan 20 Years?
