LIC International Bonus History

Bonus History

Bonus Calculation – How it works?

The returns provided LIC International on most of its plans are based on the Bonus declared each year.

In layman terms, the Bonus paid can be defined as the extra payment added to the policy each year; over and above the Sum Assured of the policy.

Like how companies pay a dividend to its shareholders when they make a profit, Life Insurance companies declare a bonus each year based on the profit or surplus generated during that year.

This surplus is the excess of revenue over the expenses and claims of the insurance company during the year.

This surplus is distributed amongst the policy owners each year as Bonus.

The following tables provide a the annual bonus for each year from 1990 till 2018 on different plans. Click the title of each plan to open the tab and view the bonus history.

Years	Plan terms
	Up to 10 yrs	11 - 15 years	16 -20 years	Above 20 years
2018	31	32.5	32.5	33.5
2017	31	32.5	32.5	33.5
2016	31	32.5	32.5	33.5
	Up to 10 yrs	11 - 20 Years		Above 20 years
2015	30.5	32		33
2014	30.5	32		33
2013	29.5	31		32
2012	30.5	32		33
2011	30	31		32
2010	29	30		31
2009	29	29		29
2008	28	28		28
2007	26	26		26
2006	25	25		25
2005	24	24		24
2004	23	23		23
2003	22	22		22
2002	21	21		21
2001	20	20		20
2000	20	20		20
1999	20	20		20
1998	17	17		17
1997	17	17		17
1996	17	17		17
1995	17	17		17
1994	17	17		17
1993	17	17		17
1992	17	17		17
1991	17	17		17
1990	17	17		17

Year	Plan Term	Year	Plan Term
2019	TBA	2004	23
2018	32.5	2003	22
2017	32.5	2002	21
2016	32.5	2001	20
2015	32	2000	20
2014	32	1999	20
2013	31	1998	17
2012	32	1997	17
2011	31	1996	17
2010	30	1995	17
2009	29	1994	17
2008	28	1993	17
2007	26	1992	17
2006	25	1991	17
2005	24	1990	17

Years	Plan terms
	Up to 5 yrs	6-10 yrs	11-15 yrs	above 15 yrs
2018	28	29	29.5	30.5
2017	28	29	29.5	30.5
2016	28	29	29.5	30.5
2015	27.5	28.5	29	30
2014	27.5	28.5	29	30
2013	26.5	27.5	28	29
2012	27.5	28.5	29	30
2011	27	28	28	29
2010	26	27	27	28
2009	26	26	26	26
2008	25	25	25	25
2007	23	23	23	23
2006	22	22	22	22

Years	Plan terms
	Up to 10 yrs	11 - 15 years	16 -20 years	Above 20 years
2018	28	29.5	29.5	30.5
2017	28	29.5	29.5	30.5
2016	28	29.5	29.5	30.5
	Up to 10 yrs	11 - 20 Years		Above 20 years
2015	27.5	29		30
2014	27.5	29		30
2013	27.5	27.5		27.5
2012	30.5	32		33
2011	30	31		32
2010	29	30		31
2009	29	29		29
2008	28	28		28
2007	26	26		26
2006	25	25		25
2005	24	24		24
2004	23	23		23
2003	22	22		22
2002	21	21		21
2001	20	20		20
2000	20	20		20
1999	20	20		20
1998	17	17		17
1997	17	17		17
1996	17	17		17
1995	17	17		17
1994	17	17		17
1993	17	17		17
1992	17	17		17
1991	17	17		17
1990	17	17		17

Years	Plan terms
	Less than 15 years	16 - 20 years		Term 25
2018	31.5	32.5		33.5
2017	31.5	32.5		33.5
2016	31.5	32.5		33.5
	Up to 10 yrs	11 - 20 Years		Above 20 years
2015	31	32		33
2014	31	32		33
2013	30	31		32
2012	31	32		33
2011	30	31		32
	Term Less than 15 years		Term More than 15 years
2010	29		30
	Term 12	Term 15	Term 18	Above 20 years
2009	28	29	29	29
2008	27	28	28	28
2007	25	26	26	26
2006	24	25	25	25
2005	22	24	24	24
2004	22	22	22	22
2003	21	21	21	21
2002	20	20	20	20
2001	19	19	19	19
2000	19	19	19	19
1999	19	19	19	19
1998	17	17	17	17
1997	17	17	17	17
1996	17	17	17	17
1995	17	17	17	17
1994	17	17	17	17
1993	17	17	17	17
1992	17	17	17	17
1991	17	17	17	17
1990	17	17	17	17

Summary

It is evident from the above tables that LIC International has been very consistent with Bonus declaration every year since inception.

Also, the bonus has been consistently growing each year. Given the capital protection and consistent Bonus History, LIC international plans are an attractive investment option. The following is a sample list of LIC International Plans to address different financial goals;

Regular Cash flow Plan - A plain aiming to provide a series of cash withdrawals, ideal for goals like Education Savings, Pre Retirement Cash flow needs and Retirement Planning.
Participating Endowment Plan - Ideal for expats looking to accumulate and growing wealth, while protecting loss of income due to death. Sum assured is paid along with bonus on death or Maturity
Jeevan Anand - The only plan in UAE which pays-out on Maturity and continues to provide a Whole of life cover.
Deferred Annuity Plan - A pension plan which helps expats accumulate a corpus and convert it into a pension at desired age.
Participating Marriage and Education plan - Provides a dual benefit of life cover and payout on Maturity.

LIC International Bonus History - Updated - 1990 till date

Bonus History

Bonus Calculation – How it works?

The returns provided LIC International on most of its plans are based on the Bonus declared each year.

In layman terms, the Bonus paid can be defined as the extra payment added to the policy each year; over and above the Sum Assured of the policy.

Like how companies pay a dividend to its shareholders when they make a profit, Life Insurance companies declare a bonus each year based on the profit or surplus generated during that year.

This surplus is the excess of revenue over the expenses and claims of the insurance company during the year.

This surplus is distributed amongst the policy owners each year as Bonus.

LIC International Bonus History

Summary

It is evident from the above tables that LIC International has been very consistent with Bonus declaration every year since inception.

Also, the bonus has been consistently growing each year. Given the capital protection and consistent Bonus History, LIC international plans are an attractive investment option. The following is a sample list of LIC International Plans to address different financial goals;

To know more about LIC International plans, feel free to arrange a free initial meeting with me or call me on 050-2285405.

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