LIC Jeevan Anand Plan: Become a Millionaire by Saving Just ₹45/Day – Full Benefits & Returns Explained

Ganpat Singh Chouhan

New Delhi If your income is limited and you’re struggling to figure out where to invest your savings, Life Insurance Corporation of India (LIC) has a solution that could turn your small daily saving into a massive fund. With LIC’s Jeevan Anand Policy, you can become a millionaire by investing just ₹45 per day. Yes, this low-premium, high-return policy is tailored for long-term savers who want both insurance and maturity benefits.

Let’s break down how this plan works and how it helps you accumulate up to ₹25 lakh with disciplined small investments.

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What is LIC Jeevan Anand Policy?

LIC Jeevan Anand is a participating, non-linked, life assurance plan that offers:

Life cover throughout the policy term
Continued life cover after maturity (whole life cover benefit)
Bonus additions (Revisionary & Final bonus)
Flexible premium payment options (monthly, quarterly, half-yearly, yearly)
Rider benefits (Accident, Disability, Critical Illness)

How ₹45 Per Day Grows into ₹25 Lakh

Daily Savings	₹45/day
Monthly Premium	₹1,358
Annual Investment	₹16,300 approx.
Policy Term	35 Years
Total Investment	₹5.70 lakh

Returns Breakdown:

Revisionary Bonus: ₹8.60 lakh
Final Bonus: ₹11.50 lakh
Total Maturity Amount: ₹25 lakh (approx)

Note: To receive full bonus benefits, the policy should be held for at least 15 years or longer.

Benefits of LIC Jeevan Anand Policy

Guaranteed Maturity Value
Lifetime Risk Coverage even after policy term ends
Death Benefit: 125% of Sum Assured if death is accidental
Optional Riders:
- Accidental Death & Disability
- New Term Insurance Rider
- Critical Illness Benefit
Loan Facility available after policy acquires surrender value
Tax Benefits under sections 80C and 10(10D) of the Income Tax Act

Who Should Choose This Plan?

Individuals aged 18 to 50 years
Salaried professionals looking for long-term wealth creation
Families needing dual benefit of savings + insurance
Low-income earners wanting a safe and guaranteed investment

How to Apply?

You can apply for the Jeevan Anand plan through:

LIC’s official website: www.licindia.in
Nearby LIC office
Authorized LIC agents
Online insurance platforms

Conclusion

By saving just ₹45 per day, you’re not just building wealth — you’re securing your family’s financial future with insurance coverage, bonus benefits, and guaranteed maturity returns. LIC’s Jeevan Anand policy is a perfect mix of safety, savings, and security, especially for first-time investors and low-income households.

Author Profile

Ganpat Singh Chouhan: My name is Ganpat Singh Choughan. I am an experienced content writer with 7 years of expertise in the field. Currently, I contribute to Daily Kiran, creating engaging and informative content across a variety of categories including technology, health, travel, education, and automobiles. My goal is to deliver accurate, insightful, and captivating information through my words to help readers stay informed and empowered.