LIC Aadhaar Stambh plan (Table 843) with profit is a non-linked regular premium paying endowment assurance plan. This Policy will be Loyalty Addition (LA) based plan exclusively designed for Male policy holders having Aadhaar Card (UIDAI). This plan will be available to standard healthy lives without any medical test requirement.

Key Features

• Male Only Plan
• Low Premium Plan
• Auto Cover Facility
• Paid premiums are exempted from income tax under 80C
• Maturity amount is tax free under 10 (10D)

How Premium Calculate

Plan Parameters

Gender	Male Only
Age at Entry	8 Years (Completed)
Maximum Age at Entry	55 (Nearest Birthday) Calculate your Age
Minimum Term	10 Years
Maximum Term	20 Years
Maximum Age at Maturity	70 Years (Nearest Birthday)
Sum Assured	Minimum 75,000 and Maximum 3,00,000
Premium Paying Mode	Yearly, Half Yearly, Quarterly & Monthly (SSS and NACH Only)
Premium Mode Rebate	2% on yearly, 1% on Half Yearly, Nil on Quarterly & Monthly

Benefits

Maturity benefit

• On survival of year term, Maturity will be Basic Sum Assured + Loyalty Addition.

Death benefits

• On death during First Five Years of the policy:
  • Death claim amount will be equal to Basic Sum Assured.

• On death after 5 years of the policy and before maturity:
  • Death claim amount will be equal to Basic Sum Assured + Loyalty Addition(LA).

Please Note: It understandable that Loyalty Addition is applicable after successful completion of 5 Policy years.

Optional Accidental Benefit Rider

Policy holders above 18 years of age have option to opt for Accidental Benefit Rider with this plan, which will provide additional amount equal to basic sum assured in case of death caused due to accident.

Eligibility

LIC Aadhaar Stambh (843) with an Example

Lets take an example of Aadhaar Stambh policy with following details

Sum Assured (Rs.)	3,00,000
Age (Years)	28
Policy Term(Years)	20
Purchase Year	2017
Yearly Premium (Rs.) (Without ST)	10,443

So, as per above example, policy holder needs to pay the premium of Rs.10,443 per year for 20 years and maturity will happen after completion of 20 years. The details of year-wise policy progress and maturity is explained below.

Maturity Details

If Policy holder completes 20 years and pays all premium successfully, then Maturity will be as under.

Maturity Year	Age at Maturity	Total Premium Paid	Maturity Amount (Approx.)
2037	48	2,08,860	3,00,000 + Loyalty Addition

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Death Claim Details

Following table provides policy year-wise and age-wise total premium paid and death claim details. In case of accidental death, additional amount equal to Sum Assured is also included in death claim amount.

How to Understand Following Table

Suppose if, unfortunate death of policy holder happens in year 2023 (at age 34), then by that time total premium paid will be Rs. 73,101 and nominee will get death claim as 3,00,000 + Loyalty Addition in case of normal death or Rs. 6,00,000 + Loyalty Addition as accidental death claim in case of death due to accident and policy will stop.

Year	Age	Total Paid Premium	Normal Life Cover (Approx.)	Accidental Life Cover (Approx.)	Return
2017	28	10443	300000	600000	--
2018	29	20886	300000	600000	--
2019	30	31329	300000	600000	--
2020	31	41772	300000	600000	--
2021	32	52215	300000	600000	--
2022	33	62658	300000 + LA	600000 + LA	--
2023	34	73101	300000 + LA	600000 + LA	--
2024	35	83544	300000 + LA	600000 + LA	--
2025	36	93987	300000 + LA	600000 + LA	--
2026	37	104430	300000 + LA	600000 + LA	--
2027	38	114873	300000 + LA	600000 + LA	--
2028	39	125316	300000 + LA	600000 + LA	--
2029	40	135759	300000 + LA	600000 + LA	--
2030	41	146202	300000 + LA	600000 + LA	-
2031	42	156645	300000 + LA	600000 + LA	--
2032	43	167088	300000 + LA	600000 + LA	--
2033	44	177531	300000 + LA	600000 + LA	--
2034	45	187974	300000 + LA	600000 + LA	--
2035	46	198417	300000 + LA	600000 + LA	--
2036	47	208860	300000 + LA	600000 + LA	--
2037	48	Maturity			300000 + LA