LIC Jeevan Labh 936 vs Jeevan Anand 914 - Which is Better?

If you walk into any LIC office in Gorakhpur or anywhere in eastern UP, the two most recommended plans are Jeevan Anand (914) and Jeevan Labh (936). Both are non-linked endowment plans with strong bonus histories. But they serve different needs.

**Key differences:**

| Feature | Jeevan Anand (914) | Jeevan Labh (936) | |---------|-------------------|-------------------| | PPT | Full term | Term minus 5 years | | Post-maturity cover | Yes (whole life) | No | | Bonus rate FY25 | ₹48/1000 | ₹54/1000 | | Min term | 15 years | 16, 21, or 25 years | | Entry age | 18-50 | 8-59 |

**When to choose Jeevan Anand (914):** - You want lifetime cover even after maturity - You are starting young (20s-30s) - You value whole life protection for your family

**When to choose Jeevan Labh (936):** - You want higher bonus rate - You want to stop paying premiums earlier (limited pay) - You are in your 40s-50s and want short commitment with high return - You want larger SA for the same premium budget

**Real example comparison - Age 35, SA ₹10L, 20 year term:** - Jeevan Anand: Annual premium ~₹52,000, Maturity ~₹21.6L - Jeevan Labh: Annual premium (16yr PPT, 21yr term) ~₹63,000, Maturity ~₹23.8L

In my experience, younger clients (under 35) are better served by Jeevan Anand. Clients in their 40s often prefer Jeevan Labh for the higher return.

Call 9415313434 for a personalised comparison for your age and budget.