Choosing the right LIC policy for your 25-year-old self depends on your individual needs and goals. There are several factors to consider when making a decision, including:

1. Purpose of the policy:

  • Protection: Are you primarily looking for life insurance to protect your loved ones in case of an unfortunate event?
  • Savings: Do you want to build wealth and generate long-term returns?
  • Retirement planning: Are you starting to think about your retirement needs?

2. Risk appetite:

  • Term Life: Are you comfortable with a pure protection plan that only pays out in case of death?
  • Endowment Plans: Are you interested in a plan that combines protection with a guaranteed maturity benefit?
  • Unit Linked Plans: Are you willing to take on some market risk for the potential of higher returns?

3. Budget:

  • How much can you afford to pay in premiums each month?

Based on these factors, here are some LIC policy options for a 25-year-old:

Protection focused:

  • LIC's Term Plans: They offer affordable life insurance coverage for a specific period. Examples include LIC's New Jeevan Amar and LIC's New Tech Term.
  • LIC's Jeevan Umang: This whole life plan provides lifelong coverage and a maturity benefit.

Savings and protection:

  • LIC's New Money Back Plans: They offer periodic payouts throughout the policy term along with a maturity benefit and death benefit. Examples include LIC's New Money Back Plan - 25 Years and LIC's New Children's Money Back Plan.
  • LIC's Dhan Rekha: This endowment plan offers guaranteed returns and additional bonuses.

Retirement planning:

  • LIC's Jeevan Lakshya: This is a goal-oriented endowment plan that helps you achieve your financial goals like children's education or marriage.
  • LIC's Pension Plans: They provide regular income after retirement. An example is LIC's Jeevan Saral Jeevan Samridhi.


  • This is not an exhaustive list, and there are many other LIC policies available.
  • It's important to compare different plans and consult with a financial advisor before making any decisions.
  • You can find more information about LIC policies on their website:

I hope this information helps you in your search for the right LIC policy!