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The LIC Policy For Girl Children In India Is Something You Should Be Aware Of

Updated On Oct 03, 2023

The year 2021 has ended and most people know how the pandemic affected their lives in various ways. Entering the year 2022, everyone is hoping that the new year will bring joy and create the best memories. Not only that, they want to focus more on their objectives including financial planning. Parents or those who are going to become parents in 2022 should ensure high protection for their children by choosing the right type of insurance plan.

This is because choosing the right insurance plan provides methods to protect a child from unwanted problems. At the same time, it is wise to choose the right insurance company while choosing a plan for a girl child. LIC is one of the topmost insurance companies in India that offers a wide range of child plans for parents. However, it is important to evaluate them with more attention that will help make the right decision.

What Are Some Top LIC Insurance Plans Meant For A Girl Child in 2022?

Here is a list of the best LIC term insurance plan for girl child:

1. LIC Jeevan Tarun

LIC Jeevan Tarun is one of the best LIC schemes for girl children. It is a non-linked insurance policy that comes with both insurance advantages and a savings account. This LIC child plan is suitable for parents who want to invest their money for a girl’s education and other purposes. They should pay the premium rates regularly until she attains 20 years and the plan remains active when she turns 25.

A child is eligible to receive the risk cover after two years from the date of commencement of the plan or she turns 8. When a parent dies before the risk develops, then the beneficiary will get the death benefit without any additional premiums or incentives. If a policyholder survives before the policy expiry, then he/she will get a maturity benefit along with other advantages.

The policy will pay the amount based on the proposal stage chosen by a policyholder. Not only that, one can get additional bonuses and simple reversionary bonuses that will help generate more. A girl can get 105% of all the premiums paid or 125% of the sum assured during the demise of a parent. The minimum sum assured amount offered by the policy is Rs. 75,000 and there is no maximum amount limit.

2. LIC Jeevan Labh

LIC Jeevan Labh is another LIC policy for a baby girl because it provides several benefits to her. It is the best LIC policy for girls that will help get coverage when they turn 8 years old. The minimum sum assured amount by the plan is Rs. 2 lakhs and there is no maximum amount limit.

A policyholder can even avail of loans under this plan during emergencies. The plan provides the option to get the maturity benefit or maturity benefit in equal installments. It is available for 16 years, 21 years, and 25 years allowing a person to gain more benefits. Apart from that, a policyholder can also choose five rider benefits based on his/her choices.

Under this plan, a beneficiary is eligible to get the basic sum assured amount or 7 times the accumulated premiums when a policyholder passes away. Parents who are looking for the best LIC policy for a baby girl can pick this plan to cater to their needs. The minimum paying premium term is 10 years and the maximum paying premium term is 16 years.

3. LIC New Children’s Money Back Plan

It is a standard non-linked money-back plan that exactly suits the needs of a girl child. This plan provides both saving and investment facilities for a child which gives ways to get peace of mind from financial constraints. At the same time, this LIC policy for children comes with risk coverage and policyholders should ensure that they make a worry-free journey.

The plan allows a girl child to get a basic money assured amount of 20% when she reaches 18, 20, and 22 years of age. It is also the best LIC plan for a girl child enabling parents to ensure a bright future for her with various features. If the customers are not satisfied with this LIC policy for children, then they can return the plan within 15 days. The minimum sum assured amount offered by the plan is Rs. 1 lakh and there is no maximum sum assured amount.

4. LIC’s Aadhar Stambh

LIC’s Aadhar Stambh is one of the best plans designed for a father and he can appoint his daughter as a nominee in the policy. It is a combination of insurance coverage and savings thereby showing ways to lead a trouble-free life. The minimum sum assured amount offered by the plan is Rs. 75,000 and the maximum sum assured amount is Rs. 3 lakhs. This makes it a perfect LIC policy for girls.

Moreover, the plan offers the basic sum assured or 10 times the accumulated premium or 105% of all premiums paid whichever is higher when a policyholder passes away. It is the best LIC scheme for the girl child that gives ways to gain more advantages. The minimum age entry is 8 years and the maximum age entry is 55 years.


LIC is a trusted brand in India that provides a wide range of insurance policies for a girl child at affordable rates. Those who want to buy the best LIC plans for kids should compare the features and other things which give ways to invest money accordingly. They even show ways to get maximum coverage for the death that help to manage financial problems to a large extent.

Also read- Importance And Benefits Of Life Insurance

Can I Buy Multiple Term Insurance Policy?


This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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