LIC · Term Assurance Plans · Plan
LIC's Bima Kavach
एलआईसी बीमा कवच
A term assurance plan focused on life protection for a defined term (exact cover options in official LIC documents).
Verified against official LIC information by Sharda
Sharda IT Services is not LIC, does not issue LIC policies, and is not the insurer. Information is for educational and comparison purposes. Official LIC documents, prospectus, terms and quotations prevail.
Source
LIC India — Official Website
Data version
licindia-insurance-plan-2026-09-02 / sharda-lic-hub-1
Status
CURRENT
What is this plan?
LIC's Bima Kavach (Plan 887, UIN 512N360V01) is listed under Term Assurance Plans on LIC India’s official Insurance Plans page. Term plans are generally structured around paying a death benefit if the life assured dies during the policy term; survival/maturity benefits may be limited or absent depending on the specific product — always confirm on the official product page.
Why someone may consider it
Could be considered by someone primarily seeking life protection for a fixed period, subject to official eligibility and underwriting.
This plan may not suit everyone
May not suit someone seeking endowment-style maturity savings or guaranteed investment-like returns.
Key points (educational)
- Officially categorized as Term Assurance on LIC’s directory.
- Death benefit structure — refer to official documents (do not assume return of premium).
- Premium depends on age, cover, term and underwriting — use official LIC quote.
Benefit flow (structure only)
- 1Policy start
- 2Premium payments
- 3Term cover period
- 4Death benefit if applicable
Timeline is educational — do not assume benefits absent from official documents.
Guaranteed vs non-guaranteed
Guaranteed
Treat amounts as guaranteed only when LIC’s official document expressly states they are guaranteed.
Non-guaranteed
Do not treat bonuses or illustrative figures as guaranteed returns.
Premium / payment
Premium depends on applicable official terms/underwriting. Check the official LIC quote. Sharda does not publish invented premiums.
Not an exact LIC premium — official LIC quote required
Refer to official documents for
- Sum assured optionsOfficial
- Premium tablesOfficial
- Exclusion clausesOfficial
- Claim conditionsOfficial
- Online purchase eligibilityOfficial
Official documents / sources
Copyrighted LIC PDFs are not republished here — official links are preferred.
Why trust this information?
- Official LIC source used
- Plan number and UIN shown
- Last verification: 2026-09-02
- Official documents linked
- Current/withdrawn status clear
- Sharda is not LIC
FAQ
Is this the best term plan?
Sharda does not rank LIC plans as “best”. Compare official features and take advice from authorised channels.
Plan number / UIN?
Plan 887, UIN 512N360V01 (directory verified 2026-09-02).
Explore related plans
Documentation assistance enquiry
Sharda can help with information and paperwork — we are not the insurer.
Source directory: https://licindia.in/insurance-plan · Verified against official LIC information by Sharda