LIC Jeevan Umang Plan 945: Full Review - Is It Worth Buying in 2026?

LIC Jeevan Umang (Plan 945) is one of the most unique plans in LIC's portfolio - it gives you 8% of your sum assured as guaranteed annual income every year after your premium paying term ends, for the rest of your life.

**How Jeevan Umang works:** 1. You pay premiums for your PPT (15, 20, 25, or 30 years) 2. After PPT ends, you receive 8% of SA every year as survival benefit 3. At age 100 (or maturity), you receive the full SA + accumulated bonus + FAB

**Example:** - Age 30, SA ₹10,00,000, PPT 20 years, Term 70 years (to age 100) - Annual premium: approx ₹53,000 - After age 50: ₹80,000 per year for life (8% of ₹10L) - At maturity (age 100): ₹10,00,000 + full bonus

**Why Jeevan Umang is special:** - Guaranteed income - not linked to market - Continues even if SA has already been paid as annual benefit - Death benefit: full SA + bonuses at any point

This is the plan I recommend to clients who want a "salary" after retirement with the safety of an LIC policy backing it.

Call 9415313434 to calculate your Jeevan Umang premium and income projection.