LIC Aadhaar Stambh (943) and Aadhaar Shila (944) – Affordable Insurance for All
LIC Aadhaar Stambh (for men) and Aadhaar Shila (for women) are micro endowment plans linked with Aadhaar card. They bring affordable life insurance to lower-income groups with minimum documentation.
Key Features
- Max SA: ₹2,00,000 (micro insurance segment)
- Entry Age: 8 to 55 years
- Term: 10 to 20 years
- Aadhaar: Mandatory for enrollment
- Bonus: ₹40/1000 SA/yr + FAB ₹500/1000
Gender Difference
Aadhaar Stambh (943) is for male lives, Aadhaar Shila (944) is for female lives. Women get slightly lower premiums due to higher life expectancy.
Who Benefits Most?
Daily wage workers, agricultural laborers, small business owners, and anyone with annual income below ₹5 Lakhs can benefit from these micro plans. The government's Jan Suraksha initiative makes these accessible even in rural areas.
Premium Example
Aadhaar Shila (944), Age 30, ₹2L SA, 15-year term: Annual Premium ≈ ₹3,612 (₹301/month). Maturity ≈ ₹2L + ₹1.2L bonus + ₹0.1L FAB = ₹3.3L. Simple, affordable, guaranteed.
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