Best LIC Plan for Women in 2026

Best LIC Plans for Women (2026)

LIC offers some plans specifically for women with lower premiums due to higher life expectancy. Here are the best options for women in 2026.

1. LIC Aadhaar Shila (Plan 944) – For Low Income Women

Exclusively for females. SA: ₹75K to ₹2L. Age 8-55. Lower premium than Aadhaar Stambh (male counterpart). Simple Aadhaar-based enrollment. Best for rural/low-income women.

2. LIC New Jeevan Anand (Plan 915) – Best All-Round

Available for all, but women get lower premiums due to longer life expectancy. Endowment + whole life cover. SA continues after maturity. Most popular among working women.

3. LIC New Jeevan Labh (Plan 936) – Highest Returns

Limited premium, highest bonus (₹54/1000). Working women with 10-15 year earning horizon benefit most from paying premium for 10 years and getting maximum at 50+.

4. LIC Jeevan Umang (Plan 945) – For Retirement

8% SA income after PPT — ideal for women planning early retirement or supplementing income post-50. Start at 30, PPT 20, income starts at 50 at ₹8% SA/yr forever.

Special Note on Women's Premiums

LIC gives women a 2-year age concession in most plans — a 32-year-old woman pays the same premium as a 30-year-old man. This effectively reduces women's premiums by 3-8% compared to men at the same age.