term insuranceOnline
LIC's Digi Term
Plan 876UIN 512N356V02
An online term assurance plan currently listed on LIC's official product index.
- Plan type: Term Assurance
- Purchase mode: Online
- Plan number: 876
term insurance
LIC's Saral Jeevan Bima
Plan 859UIN 512N341V01Available online
LIC's Saral Jeevan Bima is a current term insurance product listed on the official LIC India product index.
At a glance
Key highlights
Plan type
term insurance
Plan number
859
Who should consider this plan?
family protection, income replacement
Eligibility and policy information
| minimum Entry Age | 18 years (Last Birthday) |
|---|---|
| maximum Entry Age | 65 years (Last Birthday) |
| maximum Maturity Age | 70 years (Last Birthday) |
| policy Term | Single/Regular/Limited Premium : [5 to 40] years |
| premium Paying Term | of 5 years or 10 years |
| minimum Sum Assured | Rs. 5,00,000 |
| maximum Sum Assured | Rs. 25,00,000 per life basis |
| Premium modes | Yearly, Half-Yearly, Monthly, Single Premium |
| Loan available | No |
| Surrender available | Yes |
Benefits and riders
Death benefit
i) During the Waiting Period of 45 days from the date of commencement of Risk: This Policy will cover death due to accident only during the waiting period of 45 days from the date of commencement of risk. In case of death of the Life Assured other than due to accident during the waiting period, an amount equal to 100% of all premiums received excluding taxes, if any, shall be paid and the Basic Sum Assured shall not be paid. In case of death of the Life Assured due to accident 3 during the Waiting Period and provided the Policy is in force, the Death Benefit amount payable as a lump sum is: (1) For regular premium or limited premium payment policy, equal to Sum Assured on Death which is the highest of: (a) 10 times the Annualized Premium, or (b) 105% of all premiums paid as on the date of death, or (c) Absolute amount assured to be paid o
Maturity benefit
No Maturity Benefit shall be payable on the Life Assured surviving the stipulated Date of Maturity.
Official documents
Product source on the Official LIC Website (opens in a new tab)
Important disclaimer
Please refer to the official LIC brochure and policy document for complete terms, conditions, exclusions and current availability.
Last verified: 2026-08-01
Personal assistance
Plan with clarity and confidence
Every LIC plan should be considered in the context of your family, financial goals, time horizon, and affordable budget. Atul Rana provides one-to-one guidance using current official plan information.
One-to-one policy consultation
A focused discussion to understand protection needs, budget, and suitable LIC plan options.
Planning for family protection
Helping families consider financial security for the people who depend on them.
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