LIC’s Aadhaar Stambh is an individual savings life insurance plan exclusively designed for male policyholders. It combines protection and savings, offering financial support to the family in the event of the policyholder’s untimely death before maturity. Additionally, it provides a lump sum payout to the surviving policyholder at maturity, along with features like Auto Cover and a loan facility to address liquidity needs.


Death Benefit

Death Benefit: If the policy is in force, the payout on the Life Assured’s death during the policy term is as follows:

  1. In the first five years: ‘Sum Assured on Death’ is payable.

  2. After five policy years but before maturity: ‘Sum Assured on Death’ and any Loyalty Addition, if applicable, are payable.

‘Sum Assured on Death’ is defined as the higher of 7 times the annualized premium or 100% of the Basic Sum Assured. The death benefit will not be less than 105% of the total premiums paid. Premiums mentioned do not include taxes, extra premiums, or rider premiums.

Maturity Benefit

If the Life Assured survives to the end of the policy term, with all due premiums paid (i.e., the policy is in force), they will receive the ‘Sum Assured on Maturity’ along with any Loyalty Addition, if applicable. The ‘Sum Assured on Maturity’ is equal to the Basic Sum Assured.

Loyalty Addition

If the policy has been in force for at least five years and five full premiums have been paid, it may be eligible for Loyalty Addition at exit, either through death during the policy term or at maturity. The rate and terms will be determined by the Corporation. In paid-up policies, Loyalty Addition is applicable for completed policy years in force.

Loyalty Addition, if applicable, is also considered in the Special Surrender Value calculation if the policy is surrendered during the policy term, provided it has been in force for a minimum of five years and has had five full premiums paid.

Eligibility Conditions

a) Minimum Basic Sum Assured per life* Rs 2,00,000
b) Maximum Basic Sum Assured per life* Rs 5,00,000
The Basic Sum Assured shall be in multiples of Rs 5,000/- from Basic Sum Assured Rs 2,00,000 to Rs 3,00,000/- and Rs 25,000/- for Basic Sum Assured above Rs 3,00,000/-
c) Minimum Age at entry 8 years (completed)
d) Maximum Age at entry 55 years (nearest birthday)
e) Policy Term 10 to 20 years
f) Premium Paying Term Same as Policy Term
g) Minimum Age at Maturity 18 years (completed)
h) Maximum Age at Maturity h) Maximum Age at Maturity

Payment Options Available

Mode of Instalment payment Minimum instalment amount
Monthly Rs 5,000/-
Quarterly Rs 15,000/-
Half-Yearly Rs 25,000/-
Yearly Rs 50,000/-


Suicide: If the Life Assured, whether sane or insane, commits suicide within 12 months from the date of risk commencement, the nominee or beneficiary is entitled to 80% of the total premiums paid, provided the policy is in force.

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