LIC Jeevan Rekha (Table 152) – Review, Features and Benefits

LIC Jeevan Rekha is a Money-Back Whole Life plan. It provides financial protection against death throughout the lifetime with regular flow of survival benefits at five-yearly intervals.

LIC Jeevan Rekha policy detailed review, features, benefits and many more

Features of this policy –

  1. One can pay the premium in one lump sum (single premium) and may choose premium paying terms such as 5, 10, 15, 20, 25 years or for life.
  2. The premium can be paid monthly, quarterly, half-yearly or yearly.
  3. Minimum and Maximum sum assured on this policy is Rs 2 lacs and No limit.

Benefits of the policy –

  • Survival Benefits – This policy offers a survival benefit of 10% of the Basic Sum Assured throughout your lifetime after every 5 years. First such payment will be made after five years from the date of commencement.
  • Death Benefit – If the policyholder dies then the Sum Assured + all vested bonuses is payable in a lump sum, whenever it occurs.
  • Rider Benefit – It is an optional benefit that can be added to one’s policy for extra protection by paying an additional premium.

Eligibility –

Indian Residents falling in the age group 13 to 65 yrs can avail of this policy.

When can I get the surrender value of my policy?

One can get the surrender value of the policy only if the policy is active and 3 years premium have been paid. The guaranteed surrender value is 30% of the basic premiums paid excluding the first year’s premium. In the case of a single premium policy, the guaranteed surrender value is 90% of the single premium paid.

Conclusion –

So, by now every one of you has come to know each and every detail of this policy. Now it’s up to you all to decide if this policy is what you need or something else. If you have any doubt regarding this policy, they please let us know in the comment section.






34 replies on this article “LIC Jeevan Rekha (Table 152) – Review, Features and Benefits”

  1. रूपेंद्र प्रताप सिंह says:

    मैने जीवन रेखा प्लान 152 मे 15साल के लिए जो कि 2018को पूरा हो गया रुपया 200000/= सम एश्योर्ड हे अब हमे क्या बेनिफिट मिलेगा

    1. Jagoinvestor says:

      Policy agar mature ho chuki to aap maturity ka amount le sakte hain.. policy me likha hoga

  2. Sanjay shantaram birmole says:

    I have a jeevan rekha policy of rs 200000 for 20 year. I have paid only 10 years premium. It is not fully paid. After 20 years how many amount will get me.

    1. Jagoinvestor says:

      Hi Sanjay

      You need to find this from LIC office as they will only be able to tell you about the accmulated bonus and end value!

  3. जयराम सैनी says:

    टेबल 152 में 12/2002 को 200000 की पाॅलिसी 20 वर्ष के लिए ली थी ! 12/2022 को पुरी हो रही है आगे के लाभ बताओ

    1. Jagoinvestor says:

      Sir, Normal FD kariye … Ya fir PPF karo

  4. Manish Khemka says:

    October 7, 2020 at 11:15 am
    I HAVE POLICY NO.436903890. TAKEN ON 2006 UPTO 2020. WHAT BENEFITS AVAILABLE TO ME & what will be my surrener Value Now

    1. Nikhil dwivedi says:

      What is the fab ( final additional bonous ) rate of lic jeevan rekha -152
      From 15 years to 40 years ?



    1. Jagoinvestor says:

      Do read the policy document.. its already mentioned there!

    2. Mohammed Irfan M Hakimji says:

      I want to convert time frame for money back policy from 5 years to one year i.e. rs.40000 to 8000 every year…

  6. Santosh Kumar says:

    What will get after full premium paid. If total premium paid SA or not

    1. Jagoinvestor says:

      You will get your SA + bonus amount !

    2. महेंद्र बंडोपंत भाडाईत says:

      पॉलिसी चे हप्ते संपले आहेत बोनस म्हणून काही रक्कम मिळेल का

  7. NIRAJ JAIN says:


  8. Rajagopalan says:

    Even after the premium payment is fully completed,will the bonus keep on accruing every year?Till the death of the policy holder?

  9. Shiv Kumar Chauhan says:

    The answer of the queries furnished by Ms Anuradha Singh is similar in all the queries raised by the customer that ‘ we would not be able to help you, kindly contact LIC, which is unsatisfactory. Some fruit full answer should be given.

  10. Sourav GHOSH says:

    Loan facial available in this lic jeevan rekha policy??

  11. Hemant Kumar NARAYANBHAI patel says:

    My name is hemant patel my jeevan Rekha policy term 15 yrs and I wias paid 15 yrs premium. Su insured amount of rs. 2, 00, 000/- for 15 years. And i paid fully, now if i surrender so how much amount receive.

    1. Anuradha Singh says:

      Hello Mr. Patel, We won’t be able to solve this query. Kindly contact LIC for this.

      Thank You

    2. THIRUSELVAM says:

      Did you get reply for your querry? Same case is mine.

      1. Smriti Gupta says:

        I also have the same query

  12. Amresh Pandey says:

    My policy No – 535373297
    Please tell me maturity date

    1. Anuradha Singh says:

      Hello Mr. Pandey, We won’t be able to answer this query. Kindly ask the company about this. Thank you


  13. Ashok vijaynath yadav says:

    Jeevan rekha policy commenced date 9/9/2002
    Last premium date 9/9/2021.if I want to surrender the policy in 2021,how much benefit will I get.

    1. Anuradha Singh says:

      Hello Mr. Yadav
      Kindly ask your agent about this query. We won’t be able to help you with this.

      Thank You

  14. Baskar says:

    Doc 22.01.2004 (21 age),
    Ppt – 20 yes,
    Maturity – 02.02.2024 (age at 41)
    Maturity amount – ?
    Survival benitfit – is it up to life time ?

    1. Anuradha Singh says:

      Hello Mr Baskar, We won’t be able to help you with this query. Kindly contact LIC. Thank You


  15. Nagaraj k c says:

    Hi im nagaraj, my email address, i have taken this policy for sum assured amount of rs. 2, 00, 000/- for 15 years. And i paid fully, now if i surrender how much amount i vl get, because i am getting 5years once 10% of sum assured, which is no use of, please kindly help in this regard lump sum how much i vl get, thanks awaiting for your reply

    1. Anuradha Singh says:

      Hello Mr. Nagaraj
      We won’t be able to help you with this query. Kindly ask the company about this.

      Thank You

  16. UDAY CHOKSI says:

    i have Jeevan Rekha Policy . My last premium date is Feb / 2020.
    shall i get my full amount after fully paid premium . That is after Feb/2020. I don’t want to continue with this policy and my policy amount is Rs 5,00,000/=
    So my question is if i need my paid amount for Rs 5,00,000/- back , is it possible?

    1. Anuradha Singh says:

      Hello Mr. Choksi, We won’t be able to help you with this query. Kindly Contact LIC. Thank You


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