LIC International Bonus History - Updated - 1990 till date

A detailed bonus history of different plans of LIC International

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

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.

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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