LIC Aadhaar Stambh: A Path to Financial Security and Prosperity for Ordinary Individuals


In today’s fast-paced world, many individuals find it challenging to save and invest due to limited disposable income. However, there are investment opportunities that allow people to start with small monthly amounts and still reap significant rewards. One such opportunity is the LIC Aadhaar Stambh, a non-linked, participating, personal savings, and life insurance plan offered by LIC, India’s largest insurance company. This comprehensive plan not only guarantees insurance coverage but also serves as a means of accumulating savings. This essay explores the features, benefits, and potential for growth through the LIC Aadhaar Stambh, illustrating how even ordinary individuals can accumulate a substantial sum of Rs 3 lakhs by investing just Rs 655 per month over the policy term.

Policy Details and Eligibility:

The LIC Aadhaar Stambh is available exclusively for male policyholders, offering a basic sum assured ranging from Rs 2 lakhs to Rs 5 lakhs. Eligibility for enrollment starts at 8 years of age, with an upper age limit of 55 years. The policy tenure spans from 10 years to 20 years, requiring policyholders to reach at least 18 years of age upon maturity. The maximum age limit for policyholders is 70 years.

Premium Payment and Grace Period:

The premium payment on the LIC Aadhaar Stambh is equal to the policy term. For annual or semi-annual premium payers, a grace period of 30 days is provided, while monthly and quarterly premium payers enjoy a grace period of 15 days. Even if the premium is not paid within these time limits, the policyholder remains covered as per the terms of the policy.

Premium Examples:

To illustrate the affordability and potential returns of the LIC Aadhaar Stambh, let’s consider a few premium examples. A 10-year-old child purchasing a policy with a sum assured of Rs 2 lakhs for 10 years would pay an annual premium of Rs 17,787. Meanwhile, a 20-year-old investing in the same sum assured for either 10 or 20 years would pay Rs 17,865 and Rs 7,673 annually, respectively. A 40-year-old, on the other hand, would pay Rs 18,081 as a premium for 10 years, Rs 11,260 for 15 years, and Rs 8,105 for 20 years.

Benefits and Maturity Value:

Under the LIC Aadhaar Stambh, policyholders are entitled to the maturity value, which comprises the sum assured and loyalty addition. On completion of the policy term, the policyholder receives this maturity value, ensuring a financially secure future. In the unfortunate event of the insured’s death within the policy period, the nominee receives the death benefit, which includes the sum assured and loyalty addition. Additionally, after two years, policyholders have the option to obtain a loan based on the surrender value of the policy.

Case Study:

Let’s consider the case of a 35-year-old individual who purchases a policy with a sum assured of Rs 2 lakhs for a period of 20 years, paying an annual premium of Rs 7,869. By investing just Rs 655 per month, the individual would have paid a total of Rs 1,57,380 over the 20-year term. At the end of the policy term, the policyholder would receive a lump sum of Rs 3 lakhs, including the loyalty addition. This significant growth in investment showcases the potential of the LIC Aadhaar Stambh as a means of accumulating wealth and securing one’s financial future.


The LIC Aadhaar Stambh presents an excellent opportunity for ordinary individuals to accumulate savings and ensure financial security. With affordable monthly premiums starting at just Rs 655, individuals can invest in their future without straining their current financial situation. By diligently maintaining the policy over the chosen term, policyholders can expect substantial returns, including the sum assured and loyalty addition, resulting in a handsome maturity value. The LIC Aadhaar Stambh demonstrates that financial prosperity is within reach for everyone, regardless of income level, and serves as a stepping stone toward a brighter and more secure future.

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