LIC Profit Plus

LIC Profit Plus ULIP Plan Table No-188

  Term Age Sum Assured
Minimum 5 0 50000
Maximum 20 65 No Limits

Premium Ceasing Age : 70 Premium Ceasing Term : 20
Plan Highlights
Profitable occasions come Rare, So, be a part of it!!!
Presenting LIC’s Profit Plus, a Unit Linked Limited Endowment Insurance Plan that provides security and reaps benefits with your investments, thus helping you meet your financial needs. This plan
primarily contributes to giving financial protection to your family and enhances your savings. You can make your choice of funds, depending upon your ability to take risks. With excellent
insurance coverage and versatile investments in one package, Profit Plus, is designed to suit your needs.
To know more about the benefits of Profit Plus, do look into the following features:
Plan that gives the benefits of various market related instruments coupled with insurance cover.
Premium payment term is limited to single, 3,4 or 5 years.
Sum assured depends on your premium or policy term.
No limit for maximum premium
Premium can be paid in yearly, half yearly, quarterly, monthly (ECS) or single installments.
Minimum and Maximum age to purchase policy under this plan is 0 and 65 years respectively.
You can choose policy term between 5 to 20 years.
Plan offers a choice of 4 investment fund options viz. Bond, Secured, Balanced and Growth Fund depending on your risk profile.
Policyholder can switch between any fund types during the policy term. 4 switches will be allowed free.
High liquidity in the form of partial withdrawals.
In case of maturity the policyholder will get an amount equal to the value of the units.
In case of death the policyholder is eligible to get higher of sum assured or the value of the units.
Maturity returns can be amplified by exercising ‘Settlement Option wherein the policyholder can en-cash the units in regular installments. Flexibility to increase/ decrease premium & withdraw money according to your needs. Save Tax upto Rs.33390.
Accident benefit rider and Critical illness rider options can be availed under this plan Enjoy tax benefit under section 8OCCE.
For Getting Today’s Latest Profit Plus LIC NAV Click here.

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80 Comments

  • By Ramesh Kumar Rana, January 3, 2010 @ 5:08 pm

    I have paid four premimum of my policy named profit plus bearing polocy no.175765077 of ten thousand each . please intimate how many ujits i have been allotted and whaat is the present valuation of my policy as on 31 dec 09.

  • By Sameer Trivedi, January 4, 2010 @ 7:10 pm

    U have to make login ID at LIC India .com than enter your policy detail between 9 to 3.30 pm only. u may check live there..

  • By T Varghese, January 13, 2010 @ 4:44 pm

    I am a Policy Holder of Profit Plus Growth Scheme. I have a doubt about the Maturity Benefit. You had written in the Policy Manual that “in case of maturity the Policy Holder will get the amount equal to the value of the Units”. I just want to know whether this is in addition to the Fund Value? Please help me by answering. thanks

  • By Sameer Trivedi, January 13, 2010 @ 6:29 pm

    Question: I am a Policy Holder of Profit Plus Growth Scheme. I have a doubt about the Maturity Benefit. You had written in the Policy Manual that “in case of maturity the Policy Holder will get the amount equal to the value of the Units”. I just want to know whether this is in addition to the Fund Value? Please help me by answering
    Ans: U will Get Maturity Amount is equal to your total number of Units multiply with that days NAV is shows your Maturity Value.

  • By Arjun Singh, January 15, 2010 @ 11:59 pm

    I am a Policy Holder of Profit Plus Growth Scheme. I have a doubt about the accured bonus. what is meant by accured bonus i.e 1.0

  • By Manikandan, January 16, 2010 @ 12:03 am

    I ve Taken 2 Profit plus ULIP’s each for a sum of RS 10K. Unfortunately am not able to pay the premium for next 2 years.. What do i do about it?? Can i continue it or any chance of gettin the amount back? Can someone help me out in dis regard?

  • By Sameer Trivedi, January 16, 2010 @ 11:59 am

    In LIC Profit Plus bonus comes through NAV Value. There are not any kind of special bonus in this kind of ulip policies. ULIP are works on NAV only. So d’t think about bonus.

  • By Sameer Trivedi, January 16, 2010 @ 12:04 pm

    Your policy status may be lapsed. U should continue with policy with health check up & revival forms. It will be more beneficiary for you.

  • By deendayal, January 20, 2010 @ 12:31 pm

    what is the status of My profit Plan Policy No. 86474799. Please provide me the details and next due date of premium

  • By kamlesh agrawal, January 27, 2010 @ 11:46 pm

    I have Profite plus policy no. 343562983, i just want to switch fund, but how and please tell me procedure

  • By Y S P Reddy, January 28, 2010 @ 2:16 pm

    what is the status of my profit plus policy no.654985150 please provide details and how may quaters due my policy pse send detils my mail

  • By Phalke J.T., January 29, 2010 @ 10:57 am

    I want to invest in profit plus, premium of 50000.00. I want to know what is the amount i will get after 20 years.

  • By Sameer Trivedi, January 29, 2010 @ 6:22 pm

    Contact your local lic agent for this kind of procedger he will manage for you this all things.

  • By Krishna, February 15, 2010 @ 12:55 pm

    I have invested Rs. 80000/-in Profit Plus Scheme. Now the value is zero. Please inform me after ten years the same will repeat or expect some growth and also inform now I will switch the same for any other ulip plan. Please inform me.

  • By Gharge Mahavir, February 22, 2010 @ 12:06 pm

    I want information regarding New LIC plan

    i am specialy interested in Investment plus reskbearing plan that’s more benifited for me

    please give me information

  • By Sameer Trivedi, February 25, 2010 @ 8:03 pm

    Your investment is near about 18000 sensex today its 16000 due to charges on your policy it appears zero growth all tha companies who is launching this kind of ulip products they also already shown negative growth. I suggest u have to wait for 2-3 years more to get handsome return. sensex may touch 50000 during this period.

  • By SANTOSH CHAKKAR, March 4, 2010 @ 11:59 am

    I am a Policy Holder of Profit Plus Growth Scheme. I have a doubt about the Maturity Benefit can i asked if i paid a premium 10000 for 5 years how much amount i got after 20 years

  • By Sameer Trivedi, March 4, 2010 @ 12:29 pm

    u may get 15 to 18% return after complition of 20 years.

  • By Sameer Trivedi, March 4, 2010 @ 12:30 pm

    u may go for lic market plus 1.

  • By VIJAY KUMAR, March 5, 2010 @ 8:11 pm

    vijay mumbai
    my policy no-905875127 i paid 3 premium ie 5000/-each from last 8 months i cld not continue so i got a lapsed letter.so is there any chance to withdraw the money which i deposited suggest a way

  • By amit jain, March 9, 2010 @ 4:59 pm

    I am a Policy Holder of Profit Plus Growth Scheme. I have a doubt about the Maturity Benefit can i asked if i paid a premium 12000 for 5 years how much amount i got after 20 years.
    also want to know, i have paid 5 primium, can we continue the policy till 20 year with out paying 6th-20th premium…and how this policy is?

  • By Yogendra Singh, March 22, 2010 @ 5:44 pm

    I have taken policy under table 188 Profit Plus- Growth fund, the total term of this policy is 20 years & pay term is 5 yrs. I just need to confirm that after paying 3 annual premiums it can be closed or not if yes the what impact to be occurred on maturity value.Please answer me.

    Yogendra Singh
    Kushinagar, UP

  • By Sameer Trivedi, March 22, 2010 @ 6:05 pm

    Yes your policy is lapsed after 3 years 15 days. Your Risk Cover will be Zero. If u r not paying regular premium lic charging every year on policy so unit will deduct every year & your maturity becomes less.

  • By Paramjeet Singh Shaheed, March 22, 2010 @ 9:21 pm

    I registered with the rofit Plus policy on 13 Feb 2008 for a sum of rupees 250000/- with a premium amount of Rs 50000/- pm I also had the same policy on my wife(Rupinder Kaur) daughter(Manhar Kaur)and son (DilawarSingh Shaheed)for an equal amount.Please tell me the latest position in terms of benefits I ve incurred on this policy.I dont believe in your local agents as find them not upfront and straightforwardand even knowledgeable

  • By Somprakash.S, April 4, 2010 @ 11:32 am

    I am a policy holder of profit plus (no 784153479) I want know the present status of my policy.

    thanks.
    somprakash.s
    Thiruvananthapuram,
    Tel.no.00914712402195.

  • By amit jain, April 6, 2010 @ 5:38 pm

    Can i continue the Policy 188 Profit Plus- Growth fund after 5 year payment, till 20 year?

    i had made 5 year payment.. now i want to know can i continue the same with out making payment and if yes what will be the benefit and drawback, Please let me know

  • By katuri rajendra prasad, April 8, 2010 @ 4:55 pm

    i am a profit plus policyholder with number 675568562. how can i know the procedure of alloting the units.

  • By Sunil, April 9, 2010 @ 6:18 pm

    Hi my Profit plus (Growth) policy number : 688109980, how and where can I check my account statement, else can you send the status to my mail.id….Thanks in advance

  • By MIR WASIF ALI IRFAN, April 10, 2010 @ 5:25 pm

    I am a Policy Holder of Profit Plus Growth Scheme. Can i asked if i paid a premium 200000 for 5 years how much amount i got after 20 years

  • By MIR WASIF ALI IRFAN, April 10, 2010 @ 5:26 pm

    I am a Policy Holder of Profit Plus Growth Scheme. I have a doubt about the Maturity Benefit can i asked if i paid a premium 200000for 5 years how much amount i got after 20 years

  • By NARSINGH THAKUR, April 22, 2010 @ 3:23 pm

    please furnish the current nav of my policy No. 442866010 my address is O/O Legislative Assembly
    P.O Naharlagun
    Arunachal Pradesh,

  • By akshay jirwankar, April 27, 2010 @ 5:54 pm

    Akshay from Mumbai. I have LIc profit plus 188 policy with growth option. I pay 25K per yer and Payment term is 4yrs.
    Can I switch the plan? what is your suggestion?
    Can I surrender after 4 yeras even if the policy term is 10 yeras?

  • By Sameer Trivedi, April 28, 2010 @ 6:43 pm

    Yes u can surrender your policy. But wait upto june-july 2010 for getting more returns sensex may touch new high on that period.

  • By Sameer Trivedi, April 28, 2010 @ 6:46 pm

    011.2992 is your todays NAV

  • By Sandeep, May 1, 2010 @ 4:00 pm

    I have ULIP plan. No of unit allocated to me is 3815.003 Money plus. How can i know the 1 unit prices.

  • By Nitin, May 21, 2010 @ 9:28 pm

    I am planning to take profit plus for my daughter who is 3 yrs old. I am investing 25k for 5 years term. Is this a right choice for child education?

  • By Nitin Tank, August 31, 2010 @ 2:05 pm

    if i invested Rs.50000/- in lic unit link(profit plus) for 5 years how much i will get after 20 years my amount

  • By Alagesan Chinnasamy, September 4, 2010 @ 5:17 am

    Hello Sameer, my wife had taken an LIC profit plus 188 policy, we been paying INR 25,000 quarterly since January 2008. We have to pay premium for another 2 years and our maturity date is 2018. We havnt seen any impressive NAV or returns till date. What would you suggest we do now?

  • By admin, September 4, 2010 @ 6:44 pm

    So simple logic. Your entry was at 20000 sensex today it’s 18000. Wait for 1-2 years & make top up primium to your existing policies. D’t worry about return. U will get handsome returns within 2 years. All the companies whom launced new schemes at that time every scheme showning -5 to -10% returns from Principle Amount.. U will get atleast 100% Principle Amount in LIC.

  • By Uttam Sarkar, September 13, 2010 @ 4:34 pm

    Hi,
    I have profit Plus 188 (Policy Term 5)policy.I have paid 3 terms.Now If I don’t pay the rest premiums will my policy be lapsed.I got to know that after 3 term I can stop the premium payment.

  • By Mr. Jogen Kalita, September 17, 2010 @ 1:09 pm

    I have 2 policies of Profit plus(188-10). one is of annual premium of Rs. 10000, policy no. of which is 484727072, second one is of Rs. 15000, policy no. is 484727073 and third one is of Rs. 10000(181-25), third one is single payment mode. Can I know what is the current value of my investment. Secondly how can I see the status, I have not got any option in my account in licindia.com. Please suggest.

  • By Mr. Jogen Kalita, September 17, 2010 @ 1:15 pm

    I have 2 policies of Profit plus(188-10). one is of annual premium of Rs. 10000, policy no. of which is 484727072, second one is of Rs. 15000, policy no. is 484727073 and also have another policy is of Rs. 10000(181-25), this one is single payment mode. Can I know what is the current value of my investment. Secondly how can I see the status, I have not got any option in my account in licindia.com. Please suggest.

  • By valluri jagannath, September 28, 2010 @ 5:18 pm

    Hi,

    I had invested Rs 10000 each year from jan 2008 to Jan 2010 in plan (188 profit plus. i want to know how many units i will get till now and what is the price of the unit.
    Ploicy number is 614116420 at bangalore

    Thanks & regards
    V.Jagannath

  • By Meenakshi sood, September 29, 2010 @ 5:57 pm

    I want to know my current balance status of my market plus -1 policy bearing no. is 153412265

  • By gurulingappa layadagundi, October 4, 2010 @ 5:29 pm

    I have paid 3 years quaterly premimum of my policy named profit plus bearing polocy no.615390902 of yearly ten thousand each . please intimate how many ujits i have been allotted and whaat is the present valuation of my policy as on 04 oct 2010.

  • By Ashish, October 11, 2010 @ 1:13 pm

    Sir,
    I have LIc profit plus 188 policy with growth option.current Nav fund value is:-

    BOND FUND:013.1035
    SECURED FUND:013.7371
    BALANCED FUND:014.4354
    GROWTH FUND:012.8368

    it shows growth fund value is low then others so should i switch to balanced fund to get more returns???

  • By guru, October 17, 2010 @ 12:45 pm

    Hi Sameer, I have been paying 30000 yearly in LIC profit plus 188 policy,from feb 2008. can i with draw the amount,if so what would be the total amount , in my policy it say’s the total amount assured is 1,50,000 (is this what the amount i get?) please give me your suggestion

  • By SAURAV JYOTI DAS, November 15, 2010 @ 10:55 am

    IN ULIP HOW THE NAV RATE IS CALCULATED FOR THE MATURITY PERIOD, PLS GIVE ME AN EXAMPLE

  • By Ragupathi, November 17, 2010 @ 6:36 pm

    I had taken lic profit plus 188 for Rs 50,000 as single premium on Jan 2008. During enrollment my agent asked me to quit after 3 years without further premium to get back my money as per ULIP. My question here is should I pay premium till 3 years or not? What is the implications after surrending my policy by having only entry permium which is single term worth Rs 50,000. Is there any risk to loss entire amount if I missed anything in this procedure.

  • By Ram Kumar Ganesh, November 18, 2010 @ 12:44 pm

    Dear Sir,
    I have deposited 50,000 in LIC Profit Plus Growth Plan After 5Yrs how much it will be & After 20Yrs how Much how much it will be.I am expecting your reply

  • By Vijay, November 24, 2010 @ 11:26 am

    Where can i found today NAV of LIC profit Plus Growth plan.

  • By sivaer, November 29, 2010 @ 10:16 pm

    Dear sir
    iam paying for profit plus 188, each year 1.5 lack for 5 years, already paid for 2 years(3 lacks). what will the income after 20 years. and iam palnning to invest 5 lacks per year. please give me advice

  • By madhu, December 6, 2010 @ 3:02 pm

    I paid 25000 for lic profit plan on 26-12-09, i want to know whether it is single premium plan or what. I dont’t have idea about this.

  • By aditya kashyap, January 15, 2011 @ 8:37 am

    dear sir,
    i have profit plus (plan-188)and policy no.524795204lic policy and i have already submitted two premium of this policy.

    so, i want to know the current value of my policy.

    regrades
    aditya kashyap

  • By bhawna mishra, January 22, 2011 @ 1:29 pm

    36000/10/20 years patna.ph -9162126400 Dob -3-10-2006

  • By Dixon, June 21, 2011 @ 1:44 pm

    How i can see the current status of my Profitplus policy, pls. help me to go which link on lic.net.

    regards

  • By Dixon, June 22, 2011 @ 12:14 pm

    Hi,
    I have a profit plus(Plan118/Growth # 783921485 on 28/05/2008), Single premium of Rs-400000/- At the joining time the agent told me, i will get atleast 10% interest, Now i contact the agent for withdraw this policy he is saying i’ll get only 5%, and i have to wait for some time for the increase of the value. How long I should wait, and how i know the status of my policy. Plesee help me.
    thanking you.
    Dixon

  • By admin, June 22, 2011 @ 7:38 pm

    due to uncertanity in stock market u should wait for 6 to 12 months more.

  • By admin, June 22, 2011 @ 7:39 pm

    you may create your login id at http://www.licindia.in website, than enter your policy details etc. than you can view your policy status online on LIC’s website.

  • By VIKAS RATHOD, July 23, 2011 @ 11:48 am

    I have taken policy NO.864370882.( GUJARAT – NAVSARI BRANCH ) DATE;19/11/2007 under table 188 Profit Plus- Growth fund, the total term of this policy is 20 years & pay term is 5 yrs. I just need to confirm that after paying 3 annual premiums it can be closed or not if yes the what impact to be occurred on maturity value.Please answer me.

    THANKS

    VIKAS RATHOD
    09022031995

  • By sanjay kumar rai, July 25, 2011 @ 1:21 pm

    i took a profit plus plan its no is 332255157. i want to know its fund value

  • By mariyadoss f, July 30, 2011 @ 10:52 am

    my police no 472933864.so I want my account money

  • By admin, August 11, 2011 @ 6:12 pm

    Kindly dial 1251 toll free number of LIC they give you detail we are not authorised other agents policies.

  • By admin, August 11, 2011 @ 6:17 pm

    You have to contact your nearest LIC branch or ask on toll free no 1251.

  • By admin, August 11, 2011 @ 6:19 pm

    No it was not closed automatically. Your policy is lapsed. You may withdraw full amount after 3 years it means after 19/11/2010.

  • By MUKESH PARIMAL, September 9, 2011 @ 11:34 am

    I have taken policy NO.544816252 DATE;03/09/2008 under table 188 Profit Plus- Growth fund, the total term of this policy is 10 years & pay term is 5 yrs. I just need to confirm that after paying 3 annual premiums it can be closed or not if yes the what impact to be occurred on maturity value.Please answer me.

  • By admin, September 11, 2011 @ 4:55 pm

    Yes you may close it.

  • By g.shanmugam, October 10, 2011 @ 3:32 pm

    hello sir/madam, now iam in kuwait, letme know about the LIC MUTUAL FUND NAV scheme, what is the use of my families in future suppose to be i join this mutual fund scheme.

  • By g.shanmugam, October 10, 2011 @ 3:38 pm

    Rs100000/- (ONE TIME INVESTMENT)
    10 years
    Chennai
    96567768839-(Kuwait.)
    06-07-1965

  • By admin, November 5, 2011 @ 11:49 am

    Go for LIC Endowment Plus, Pension Plus or Bima Gold Policy.

  • By Remesh, November 6, 2011 @ 2:17 pm

    Hi Sir,

    I started the LIC profit plus plan (udupi) for 50000/- on nov 10, 2009. This nov i paid my 3rd premium. I have one more premium left(4 yrs). When i checked my no. of units, its around 7600. Present NAV is 10.9 and therefore i believe my fund value is just 82840/-, when i have already put in 1.5 lakhs.
    Please let me know if my calculations are correct, and also please suggest what i have to do to get alleast the sum i have put in. When do you think i should withdraw?

  • By RADHAKRISHNA KURUP, November 12, 2011 @ 6:50 pm

    Sir I have started a policy in LIC PROFIT PLUS on 18-07-2008.Policy Number is: 393960218. May I know what will be the approximate maturity value of the above deposit on its due date i.e;18-07-2013.

  • By RADHAKRISHNA KURUP, November 13, 2011 @ 4:11 pm

    Sir I have started a policy in LIC PROFIT PLUS on 18-07-2008.Policy Number is: 393960218. May I know what will be the approximate maturity value of the above deposit on its due date i.e;18-07-2013. Amount:100000,period:5 years,Contact Number:00971506645502(UAE)Email:rkurup88@yahoo.com,28-07-1961

  • By admin, November 19, 2011 @ 5:56 pm

    You have to check on http://www.licindia.in First register there & u will get all detail.

  • By admin, November 19, 2011 @ 5:59 pm

    Wait until budget 2012-13. You also have option to paritial withdrwal of Rs. 50000/- & make your fourth payment. D’t put more money in this scheme.

  • By Shyam Tatkari, November 29, 2011 @ 11:35 am

    Dear sir,
    My mother policy no is 947634341 & 947267497.I wont to know what is today NAV & If i wont to withdrowal today so how many money give me credit. Please send reply.

    Thanking You

  • By hemant nimbhorkar, March 21, 2012 @ 8:02 pm

    my policy is profit plus plan 188 and premium is yearly 25000. can send how i will get the money after completion of period 5 years. open dt is 2007 and 5 years complete is 2012 so please tell me how much profit will get me.

  • By admin, April 23, 2012 @ 6:18 pm

    This plan is working on daily NAV basis. You may contact your local branch & gets how much units are balanced in your account. Thereafter you will check your NAV & multiply your units by todays nav. You will get your matuirty amount this way only.

  • By Hari, May 31, 2013 @ 6:37 pm

    Hi, I have paid in profit plus scheme for 4 years. I need to pay for one more year. The policy term is 20 years. My maturity amount is less than what I actually paid for. Please advice if I have to withdraw or wait.

  • By admin, January 7, 2014 @ 7:07 pm

    Withdrwal

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