LIC Accidental Death and Disability Benefit Rider Calculator: Get Premium Estimates Now

1. Introduction

You want stronger protection for your LIC policy. The LIC accidental death and disability benefit rider calculator makes that easy. You enter details and see extra premiums plus benefits right away. This rider adds a lump sum if an accident causes death or permanent disability.

It fits your base plan without extra work. No need to estimate costs yourself. The tool uses LIC rates for exact figures. For example, a 30-year-old picks ₹5 lakh coverage. Annual premium runs ₹500 to ₹1,000. That unlocks ₹5 lakh more if death occurs from an accident. People in travel or manual jobs need this because risks stay high.

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2. About the Plan - Key Details

Plan Overview: You attach the LIC accidental death and disability benefit rider to most base policies. Its UIN is 512B209V02. It targets accidents that happen suddenly.

Eligibility Criteria: Entry age starts at 18 and ends at 65. You use nearest birthday for that. Coverage stops at 70. Term runs 5 to 35 years so it matches your policy.

Sum Assured: Sum assured begins at ₹1 lakh. It goes up to ₹1 crore or ₹2 crore with Jeevan Shiromani.

Premiums: Premiums match your base mode. Yearly works as default. Nearest birthday keeps age accurate. The LIC accidental death and disability benefit rider calculator checks ages 18 to 65 and terms 5 to 35. It stresses death benefits from accidents. Disability comes as an option. You buy it for one person. Benefits start 180 days after the accident. That gives security for jobs with more dangers.

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3. Key Features & Benefits

You get the full sum assured if death from accident happens within 180 days. It adds to your base payout. Your family receives double support because of that.

Permanent disability pays monthly amounts. Each equals 1/120th of the sum. Payments last to age 70 or 10 years. Whichever ends first.

Premiums cost little so you afford it. No medical tests for many cases. You deduct premiums under 80C. Benefits come tax-free.

It works with endowment or term plans. External accidents count only. Commuters or adventurers benefit most. The LIC accidental death and disability benefit rider calculator shows affordable layers. You build full protection without raising base costs much.

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4. How to Use the Calculator

You check add-on premiums next to your base plan. The LIC accidental death and disability benefit rider calculator focuses on that. Use these steps for results.

Step 1: Enter Date of Birth

You pick your date in the Date of Birth field. Use the calendar icon. It requires this step. Nearest birthday sets age. That must stay 18 to 65. Note says Age Range: 18-65 years. Error shows if outside: Age must be between 18 and 65 years.

Step 2: Enter Sum Assured

You type the amount in Sum Assured (₹) field. Minimum is ₹1,00,000. Placeholder reads Minimum: 1,00,000. Small text repeats it. Steps go in ₹1,000.

Step 3: Enter Policy Term and Mode

You add years in Policy Term (Years) field. Range is 5 to 35. Placeholder says 5 to 35 Years. Fine print adds Range: 5 to 35 Years (should match Base Plan). Pick mode from dropdown in Premium Payment Mode. Yearly defaults. Others work too.

Step 4: Calculate and View Outputs

You press the Calculate button. Results show annual premium and mode premium. You see accidental death benefit too. Monthly disability installment appears. For ₹5 lakh, expect ₹750 yearly premium. Disability pays ₹4,167 per month. Empty form says Fill in the form and click Calculate to see your results. Red error reads Rider rates not available. Reset clears inputs.