International Women’s Day celebrates achievements while highlighting that true independence rests on financial empowerment. Life insurance provides the security foundation women need while managing family responsibilities, career aspirations, and retirement planning.
Important context: With 6 LIC plans withdrawn in FY 2025-26 (including Jeevan Akshay-VII 857, New Jeevan Shanti 758, Nav Jeevan Shree 912), here are verified active LIC plans suitable for women in 2026.
Top Active LIC Plans for Women (Confirmed Available March 2026)
Balanced Protection + Savings (Endowment Plans)
| Plan Name | Plan No. | Best For |
|---|---|---|
| New Endowment Plan | 714 | Classic savings + bonuses + death cover |
| New Jeevan Anand | 715 | Whole-life protection post-maturity |
| Jeevan Lakshya | 733 | Goal-based (child education/marriage) |
| Jeevan Labh | 736 | Limited premium efficiency |
| Single Premium Endowment | 717 | One-time payment simplicity |
Lifelong Income + Security
| Plan Name | Plan No. | Key Women-Focused Feature |
|---|---|---|
| Jeevan Umang | 745 | Whole-life to age 100 + 8% guaranteed survival benefits post-premium |
| Bima Lakshmi | 881 | Women-only: Limited premium (7-15 years), guaranteed additions, auto-cover, survival benefits |
Pure Protection (High Cover, Low Cost)
- New Tech-Term (954): Online term insurance with flexible cover options
- New Jeevan Amar (955): Pure term protection variants
- Saral Jeevan Bima (859): Simple ₹50 lakh+ cover at minimal premium
- Yuva Term (875): Youth-focused affordability
Growth-Oriented (ULIPs)
- Index Plus (873): Nifty-linked with guaranteed additions
- Nivesh Plus (749): Single premium ULIP flexibility
Retirement Security
- Saral Pension (862): Simple immediate annuity (replaces withdrawn variants)
Bima Lakshmi (881) – Special Mention for Women
Why perfect for Women’s Day:
✅ Limited premium: Pay for only 7-15 years
✅ Guaranteed additions during premium-paying term
✅ Survival benefit options for regular payouts
✅ Auto-cover facility – continues even if premiums lapse
✅ Women-specific design – addresses financial independence needs
UIN: 512N389V01 | Status: Active as of March 2026
Why LIC Remains Women’s Top Choice (2026)
✅ Government-backed – unmatched claim settlement security
✅ Tax benefits: Section 80C (premiums up to ₹1.5 lakh, Old Regime) + Section 10(10D) tax-free maturity/death benefits (conditions apply)
✅ Monthly premiums available in most plans
✅ Riders available: Critical illness (women-specific), accidental death coverage
✅ Flexible maturity options aligned with life goals
Women’s Day Action Steps (Before March 31)
☐ Calculate family protection need (10-15x income + outstanding loans)
☐ Choose plan type: Term (protection) vs Endowment (savings) vs Bima Lakshmi (women-specific)
☐ Use licindia.in premium calculator for your age/health profile
☐ Complete purchase by March 31 (Old Regime 80C eligibility for FY 2025-26)
☐ Add critical illness rider for women-specific health risks
☐ Review existing policies (check withdrawn-plans list for updates)
Common Questions from Women Policyholders
“Which plan for my child’s education?”
Jeevan Lakshya (733) – goal-based with increasing cover designed for milestone events.
“I’m the single income earner. What protection do I need?”
Saral Jeevan Bima (859) – ₹50 lakh cover for approximately ₹10,000/year.
“I want guaranteed income post-retirement?”
Saral Pension (862) – simple annuity structure for predictable retirement income.
“I’m a working woman with limited budget?”
Bima Lakshmi (881) – women-specific design with auto-cover protection.
Free Women’s Day Consultation (India)
Shagun Verma – LIC Insurance Advisor
Special Women’s Day Offer: Free 15-minute consultation covering:
- Coverage gap analysis tailored to your situation
- Personalized plan recommendations
- Premium quotes based on your age/health
- Old vs New Tax Regime comparison
WhatsApp “WOMENSDAY” to 7651032666
Website: lifeinsuranceadvisor.in
No obligation – empowering women with informed financial choices.
Important Compliance Disclaimer
Educational content only (March 8, 2026).
✅ Tax rules: Consult CA (Section 80C/10(10D) conditions apply)
✅ Premiums: Vary by age, health, smoking status (+18% GST applicable)
✅ IRDAI: Insurance involves risks. Read sales brochure + policy document before purchase.
Celebrate women by securing their future! 💪🌸
Share this with every woman who deserves financial security!
