This document summarizes the key details of LIC's Dhan Rekha savings plan, including eligibility, benefits, premiums, and riders. Some highlights include: - It is a non-linked, non-participating individual life insurance savings plan. - The insured can pay premiums either as a single payment or for half the policy term. - Maturity benefits include the basic sum assured plus accrued guaranteed additions. Death benefits provide higher of 125% of the basic sum assured or 7 times annualized premium. - The plan provides survival benefits as a percentage of the basic sum assured starting from the 10th year. - Riders for accidental death, critical illness, and other benefits are

1. LIC’s Dhan Rekha
(UIN: 512N343V01)
Plan No. 863
A Non-Linked, Non-par, Individual, Life Assurance Savings Plan

2. Benefits At A Glance
Buy Bigger policy at cheaper premium
cheaper
Pay only once! Or pay for half of total policy Term!
All Benefits under the policy fully Guaranteed
Get Money-Back at regular intervals
Full Sum Assured Payout on Maturity
Lower premium for Female lives

3. Age at Entry*
From 90 Days to 60 years depending upon
the term of policy
Who can buy it?
Cover Ceasing Age
Enjoy the benefits of life insurance up to
maximum age of 80 years in Single Pay and
75 years in Limited Pay policies

4. :
Who can buy it?
Age
at
Entry
Minimum Maximum
Single
Premium
Limited
Premium
Term Age
20 8 yrs (lbd) 60 yrs (nbd) 55 yrs (nbd)
30 3 yrs (lbd) 50 yrs (nbd) 45 yrs (nbd)
40 90 days (lbd) 40 yrs (nbd) 35 yrs (nbd)
Age at
Maturity
Minimum Maximum
Single
Premium
Limited
Premium
Term Age
20 28 yrs (nbd)
80 yrs (nbd) 75 yrs (nbd)
30 33 yrs (nbd)
40 40 yrs (nbd)

5. Cover Duration
Policy Term 20 Years 30 Years 40 Years
Limited Premium Paying Term 10 Years 15 Years 20 Years
Single Premium Pay only Once
Choose to Pay
Only Once
OR
Half of the Policy Term

6. Basic Sum Assured (Rs.)
Rebate (Rs.) Per Thousand Sum Assured
Single Premium Limited Premium
5,00,000 to 7,25,000 5 1
7,50,000 to 9,75,000 10 2
10,00,000 & above 15 3
Buy BIG, Get Cheaper!
Premium Rebate for
BIG Sum Assured Policies
Basic Sum Assured (Rs.)
Single
Premium (Rs)
Yearly Mode 2%
Half-Yearly Mode 1%
Quarterly, Monthly (through NACH
only) & salary deduction (SSS) NIL
Rebate in Premium for
Mode of Payment

7. GUARANTEED BENEFITS
END OF
10th Year
END OF
15th Year
END OF
20th Year
END OF
25th Year
END OF
30th Year
END OF
35th Year
Survival
Benefits
TERM
% of Basic
Sum
Assured
20 10% 10%
30 15% 15% 15%
40 20% 20% 20% 20%
Maturity
Benefit
Basic Sum Assured + Accrued Guaranteed Additions
Death Benefit
Single
Premium
125% of the Basic Sum Assured (BSA)
+ Accrued Guaranteed Additions
Limited
Premium
Higher of 125% of Basic Sum Assured or 7 times of the Annualized Premium.
In no case the death benefit shall be less than 105% of the total premium paid
under Limited Premium.

8. Guaranteed Additions
Your Guaranteed Additions
Keeps Increasing
Year
Guaranteed Additions
(Per 1000 Sum Assured)
From year 6 to 20 Rs 50
From year 21 to 30 Rs 55
From year 31 to 40 Rs 60

9. LIC’s
Accidental
Death &
Disability Rider
LIC’s
New Term
Assurance Rider
LIC’s
New Critical
Illness Benefit
Rider
LIC’s
Accident Benefit
Rider
LIC’s
Premium Waiver
Benefit Rider
Add- On Riders Available

10. Unique Selling Points
All Benefits 100% Guaranteed at the outset
Increasing Guaranteed Benefits from 6th Year onwards
Money-Back every 5 Years, after half term is over
Long Term Cover & Half-Term Premium Pay
Single Pay option available
Loan Available under the Policy
Lower Premium rates for Female Lives
Settlement Option available on Maturity & Death

11. For further details:
Refer to Dhan Raksha Sales Brochure
Meet your LIC Agent or visit www.licindia.in