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Use the calculator on the left to get a personalized illustration for LIC's Nav Jeevan Shree Plan 911. See your estimated premium, guaranteed maturity amount, and year-by-year life cover.
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Last Updated: April 22, 2026
Understanding LIC's Nav Jeevan Shree (Plan 911)
LIC's Nav Jeevan Shree (Plan No. 911, UIN: 512N390V01) is a non-participating, single premium endowment plan. In simple terms, you pay a premium only once, and in return, you get a combination of guaranteed savings for the future and life insurance protection for your family during the policy term. The key feature of this plan is its guaranteed additions, which means you know the exact maturity amount on the day you buy the policy, making it a very safe and predictable investment.
This plan is perfectly suited for individuals looking for a secure, one-time investment. It's an excellent choice for those who have received a lump sum and want to protect it from market volatility while ensuring it grows steadily. It serves long-term goals like planning for retirement, funding a child's education, or creating a financial legacy.
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Step-by-Step Calculation Explained
Key Features & Benefits of Plan 911
- Single Premium Payment: Invest once and enjoy benefits for the entire policy term without the hassle of yearly payments.
- Guaranteed Returns: The plan offers a fixed 'Guaranteed Addition' of ₹85 per ₹1,000 of the Basic Sum Assured for each year of the policy. Your returns are not affected by market performance.
- Dual Benefit: It uniquely combines guaranteed wealth creation for maturity with robust life insurance coverage in case of an unfortunate event.
- Tax-Free Maturity: The amount you receive on maturity is completely tax-free under Section 10(10D) of the Income Tax Act, making the effective return very attractive.
- Flexible Options: You can choose your policy term (from 5 to 20 years) and the level of life cover (Option 1 or Option 2) to match your specific financial goals.
Plan 911 vs. Plan 912
LIC's Nav Jeevan Shree has two versions. Plan 911 is a single premium plan, while Plan 912 is a limited premium payment plan. Here’s a comparison to help you choose the right one:
| Feature | Nav Jeevan Shree (Plan 911) | Nav Jeevan Shree (Plan 912) |
|---|---|---|
| Premium Payment | One-time, single premium | Limited premium payment (6, 8, 10, or 12 years) |
| Best For | Lump-sum investments (e.g., bonus, inheritance) | Salaried individuals who prefer regular payments |
| Returns | Guaranteed Additions on Basic Sum Assured | Guaranteed Additions on cumulative premiums paid |
| Flexibility | Less flexible (one-time investment) | More flexible (spread out payments) |
Frequently Asked Questions
What makes Plan 911 a secure investment?
It combines the safety of a guaranteed return (like a Fixed Deposit) with the protection of life insurance, all through a single, one-time premium. The guaranteed addition of 8.5% on the Sum Assured is fixed and not linked to market performance, providing complete predictability.
What is the difference between the two risk cover options?
Option 1 (1.25x cover) offers lower life cover and is ideal for those focused on savings with a lower premium. Option 2 (10x cover) provides a substantial life cover (10 times the premium), making it suitable for those who need higher financial protection for their family. The premium for Option 2 is higher.
Are the maturity returns tax-free?
Yes, under current tax laws, the maturity amount is tax-free under Section 10(10D) of the Income Tax Act, provided the premium does not exceed certain limits. This is a significant advantage over FDs, where interest income is taxable.
Can I get a loan on this policy?
Yes, a loan facility is available anytime after 3 months from the date of policy issuance, giving you liquidity in case of emergencies without having to surrender the policy.
What happens if I surrender the policy early?
The policy can be surrendered at any time. You will receive a Surrender Value which will be the higher of the Guaranteed Surrender Value (GSV) or Special Surrender Value (SSV). However, surrendering early may result in a lower return than holding till maturity.
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