When it comes to long-term financial security and guaranteed savings, LIC Jeevan Labh Plan 936 Latest 2025 stands as one of the most trusted life insurance-cum-investment plans in India.
Launched by the Life Insurance Corporation of India (LIC) — the nation’s largest and most reliable insurer — this plan offers a perfect combination of life protection, savings, and tax benefits. It’s designed to help you meet your financial goals while safeguarding your loved ones’ future.
In 2025, as families look for safe, tax-free, and reliable investment options, the LIC Jeevan Labh Plan 936 Latest 2025 continues to top the list of the most recommended endowment policies in India.
What Is LIC Jeevan Labh Plan 936 Latest 2025?
The LIC Jeevan Labh Plan 936 Latest 2025 is a non-linked, with-profits, limited premium paying endowment plan. It means you pay premiums for a few years, but your coverage continues till maturity — giving you both savings growth and life insurance protection.
The plan is best suited for individuals who want to build long-term wealth while ensuring financial stability for their families. Whether it’s for children’s education, marriage, or retirement, this policy helps you achieve your goals with guaranteed maturity and bonus additions.
Key Features of LIC Jeevan Labh Plan 936 Latest 2025
- Limited Premium Payment: Pay premiums for only a few years and enjoy full-term coverage.
- Life Cover + Savings: Offers both insurance protection and guaranteed maturity benefit.
- Reversionary Bonuses: LIC declares annual bonuses, boosting your total returns.
- Final Additional Bonus: Added at the end of the policy for long-term investors.
- Loan Facility: Get loans against the policy after 3 years.
- Tax Benefits: Eligible for tax deductions under Section 80C and tax-free maturity under Section 10(10D).
- Flexible Policy Terms: Available in 16, 21, and 25-year options.
- Trusted by Millions: Backed by LIC’s consistent performance and reliability.
Also Read: LIC Nav Jeevan Shree Plan 911 Latest 2025 – Full Breakdown of Features, Maturity & Tax Details
Eligibility & Plan Details
| Parameter | Details |
|---|---|
| Plan Type | Endowment (with-profit), Limited Premium |
| Minimum Entry Age | 8 years |
| Maximum Entry Age | 59 years |
| Policy Term | 16, 21, or 25 years |
| Premium Paying Term | Policy Term – 8, 10, or 16 years |
| Minimum Basic Sum Assured | ₹2,00,000 |
| Maximum Sum Assured | No Limit (depends on income) |
| Loan Availability | Yes (after 3 years) |
| Mode of Premium | Yearly, Half-Yearly, Quarterly, Monthly |
This flexibility ensures that the LIC Jeevan Labh Plan 936 Latest 2025 fits different income groups and long-term goals.
How LIC Jeevan Labh Plan 936 Latest 2025 Works
- Premium Payment Phase: You pay regular premiums for a limited number of years (e.g., 10 or 15 years).
- Growth Phase: LIC adds annual reversionary bonuses to your policy value.
- Maturity Phase: At the end of the policy term, you receive the Sum Assured + Bonuses + Final Additional Bonus.
- Life Protection: If you pass away during the policy term, your nominee receives the Death Sum Assured + Bonuses, ensuring financial safety.
So the LIC Jeevan Labh Plan 936 Latest 2025 guarantees both peace of mind and strong financial growth.
Benefits of LIC Jeevan Labh Plan 936 Latest 2025
1. Maturity Benefit
On survival till the policy term, you receive:
Sum Assured + Reversionary Bonuses + Final Additional Bonus.
2. Death Benefit
In case of demise during the policy term, the nominee receives:
Sum Assured on Death + Accrued Bonuses + Final Additional Bonus.
3. Loan Facility
After paying premiums for at least 3 years, you can avail a loan against the policy — up to 90% of its surrender value.
4. Tax Savings
- Premiums qualify for deduction under Section 80C (up to ₹1.5 lakh).
- Maturity value is tax-free under Section 10(10D).
5. Bonus Additions
LIC declares yearly bonuses that compound your total return, ensuring long-term wealth accumulation.
Example: LIC Jeevan Labh Plan 936 Latest 2025
Let’s consider Ravi, a 35-year-old investor who buys LIC Jeevan Labh Plan 936 Latest 2025 for a sum assured of ₹10 lakh.
| Parameter | Details |
|---|---|
| Policy Term | 21 years |
| Premium Paying Term | 15 years |
| Annual Premium (Approx) | ₹48,000 |
| Bonus Rate | ₹45–₹50 per ₹1,000 sum assured |
| Expected Maturity Value | ₹17–₹18 lakh (Tax-Free) |
So, Ravi invests ₹48,000 annually and receives around ₹18 lakh at maturity — along with full life insurance cover for the entire term.
Death & Maturity Benefits (Explained)
| Benefit Type | Description |
|---|---|
| Death Benefit | Sum Assured on Death + Bonuses + Final Additional Bonus |
| Maturity Benefit | Basic Sum Assured + Bonuses + Final Additional Bonus |
| Bonus Type | Simple Reversionary Bonus + Final Additional Bonus |
The LIC Jeevan Labh Plan 936 Latest 2025 offers both predictable maturity and comprehensive protection.
Tax Benefits of LIC Jeevan Labh Plan 936 Latest 2025
- Section 80C:
Premiums paid qualify for tax deduction up to ₹1.5 lakh. - Section 10(10D):
Maturity or death benefits are fully tax-free, provided the premium does not exceed 10% of the sum assured. - No TDS:
LIC does not deduct TDS on eligible maturity payouts.
Thus, LIC Jeevan Labh Plan 936 Latest 2025 gives you tax-free returns + tax-saving investments, ensuring full value of your money.
Surrender & Loan Options
- Surrender: You can surrender the policy after paying at least 3 years of premiums.
- Loan: Loans up to 90% of the surrender value are available.
- Revival: Lapsed policies can be revived within 5 years.
The LIC Jeevan Labh Plan 936 Latest 2025 ensures liquidity and flexibility — even for long-term investors.
Also Read: LIC Nav Jeevan Shree Plan 912 Latest 2025 – Complete Breakdown of Features & Tax Benefits
Comparison with Other LIC Plans
| Plan | Type | Premium Type | Loan | Bonus | Tax-Free Returns |
|---|---|---|---|---|---|
| Jeevan Labh Plan 936 | Endowment | Limited Premium | ✅ Yes | ✅ Yes | ✅ Yes |
| New Endowment Plan 914 | Endowment | Regular Premium | ✅ Yes | ✅ Yes | ✅ Yes |
| Jeevan Anand 915 | Endowment + Whole Life | Regular Premium | ✅ Yes | ✅ Yes | ✅ Yes |
Among these, the LIC Jeevan Labh Plan 936 Latest 2025 is the most balanced plan — combining limited premiums, high maturity value, and life-long security.
Who Should Invest in LIC Jeevan Labh Plan 936 Latest 2025?
- Salaried professionals seeking tax-saving + guaranteed income.
- Parents saving for child’s education or marriage.
- Retirees looking for safe, fixed, long-term growth.
- First-time investors wanting a low-risk savings plan.
- Anyone preferring LIC-backed trust and bonus benefits.
How to Buy LIC Jeevan Labh Plan 936 Latest 2025
You can easily buy this plan:
- Online through LIC’s official website – www.licindia.in
- Through authorized LIC agents or advisors
- At your nearest LIC branch office
- Via the LIC mobile app
Before purchasing, compare terms using LIC’s official premium calculator to estimate your investment and maturity returns.
FAQs on LIC Jeevan Labh Plan 936 Latest 2025
1. Is LIC Jeevan Labh Plan 936 Latest 2025 a limited premium plan?
Yes, you pay premiums for a few years, but enjoy full-term coverage and maturity benefits.
2. Can I take a loan under this plan?
Yes, after 3 years of premium payment, you can take a loan against the policy.
3. Is the maturity value guaranteed?
Yes, the sum assured plus declared bonuses are guaranteed upon maturity.
4. What are the tax benefits?
Premiums are eligible under Section 80C, and maturity/death benefits are tax-free under Section 10(10D).
5. Is this plan available online?
Yes, the LIC Jeevan Labh Plan 936 Latest 2025 can be purchased and managed online via LIC’s website or app.
Conclusion
The LIC Jeevan Labh Plan 936 Latest 2025 is more than an insurance policy — it’s a complete financial strategy. With guaranteed maturity, life cover, and tax-free bonuses, it ensures both peace of mind and profitable returns.
In an era of market volatility, this plan provides the stability and trust every Indian investor desires. Whether you’re planning for your child’s education, retirement, or wealth creation, the LIC Jeevan Labh Plan 936 Latest 2025 remains a smart and reliable choice for 2025 and beyond.
Disclaimer
This article is for educational and informational purposes only. The details of the LIC Jeevan Labh Plan 936 Latest 2025 may vary based on official LIC updates. Please verify with an authorized LIC advisor or visit licindia.in before investing.
