How we verify information
Insurance decisions run for decades. A confidently wrong number here could cost someone real money twenty years from now, so we would rather show a gap than fill it.
The rule
A product fact appears on this site only if it was read in an official LIC source. Not recalled, not inferred from a similar plan, not copied from another website. Every plan page names its source, links to it, and shows the date it was last checked.
Four things we treat as different
- Unknown is not zero. A blank field means we have not verified it, not that the benefit does not exist.
- Missing is not estimated. We do not fill a gap with a plausible-looking figure.
- Historical is not guaranteed. A bonus rate declared in the past tells you what happened, not what will happen.
- An illustration is not a benefit. Illustrated values in a brochure are worked examples at assumed rates, not promises.
What is verified on this site today
For every current LIC plan listed here, the plan name, plan number and UIN were taken directly from LIC's official plan listing and are shown with a link back to it.
Detailed eligibility, premium structure, benefit terms, riders, tax treatment and surrender or loan conditions live in each plan's official sales brochure. Those are not yet verified plan by plan, so each plan page lists them explicitly as unverified. That is a deliberate choice: publishing an unchecked eligibility age or benefit term would be worse than admitting we have not confirmed it yet.
Calculators
The calculators use standard time-value-of-money mathematics and show the formula, your inputs, and every assumption made. None of them uses an LIC premium rate, bonus rate or surrender value, because those come from LIC's own tables and we will not publish them until they are verified. That is why you will not find a "LIC premium calculator" here yet — only one that is actually correct is worth having.
Plans change
LIC withdraws plans and issues new versions of them. A plan you read about last year may no longer be on sale, and the version number in the UIN may have changed. Where we know a plan has been withdrawn, we keep the page and mark it clearly, because existing policyholders still need to look it up.
Found something wrong?
If a figure here does not match LIC's official document, we want to know. Tell us and it will be corrected, with the source noted.